I don't know but somehow like when it comes to clothes right I still prefer going in to stores to buy sometimes sometimes like clothes not not like things like scarves or or like you know or like baby clothes baby clothes


are easier to buy online but things like the like pants for example like you want to try out the fit I I love Uniqlo ya Uniqlo Marks & Spencer wait for the sale ya, Marks & Spencer is great because I remember there was once when I was working as a production production manager right for a TV shoot


like we had to get clothes because it didn't fit like my talent so I'll send someone to specifically get clothes from Marks & Spencer, like make sure ya they have they have a huge range of sizes and also they open very early in the morning so I think at that time they open by nine AM if I'm not wrong


and then the best part is their return and exchange policy so once we use it because we only use it for like what one hour what so you have to keep to production budget right so like once the shoot is done we returned it lah and get the cashback


ya, of course it is because those clothes are not are not okay I mean I mean it's a grey area I guess but but in terms ya, I don't know how good it is for the company but you know the the the the idea behind


like again it boils down to flexibility ya once you change your mind and they have a thirty day return policy, ya just like Zalora as well right, oh my god yes how can we forget about Zalora


ya you can like try ya like our #baju kurungs# last minute #baju kurung# for #hari raya# ya and then you can try like buy a few of different sizes and then you keep the size you need right ya and then they will


ya exactly


ya I know but but I'm sure it works you know you know why because people will confirm keep something from the from from like you can add to your cart like up to what four hundred five hundred you however much you want to spend right and then after that whatever you don't like you just return you will for sure keep some products what to yourself


but you know what's even better like last time Zalora you have to go down to Pop Station right to actually recently I tried out their new service which actually allows us to book a time slot for them to come to your house and pick up your returns to get returned to the warehouse


how incredible no additional cost to us, ya, ya so you know the dress that I I bought like I bought three dresses couldn't fit into two of them, so I return those ya so I I all I had to do was to book a time slot for them to pick it up since now with the baby it's harder for me to go out ya so they are trying out this new service and !wow! I love it but just make sure you book it early lah because


you know you have to do the returns within thirty days ya there's a lot of people as well who use it, ya so we love those if, ya go


(mmhmm)


, okay


nice, so who's your favourite therapist


like what like what what makes you very comfortable with her


so you got a friendship


later later save it for later so so the good thing is they do live up to uh you know the experience and everything lah


how much are you paying


thousand four for just twelve sessions


okay lah still cheaper than insurance , but ya I mean I I I personally don't spend on facial because I think my skin is okay, ya I just put on sunblock and then I don't even wash my face with facial products lah cause


I don't know I I feel like it does more harm than good but I do like this this is the only thing that I've been using the Innisfree wrinkles spot treatment essence ya it keeps your face like you can see right that I don't really have a lot of wrinkles I'm over thirty eh I mean I'm thirty


it's called Innisfree eco science wrinkle spot essence we got it at our trip from from our trip to korea, ya but now they they have a new packaging ya I know right I don't I don't even use it all the time so I'm not sure if it's effective but I remember there was once like I had like a lot of wrinkles under my eyes I use this to spot treat and it really makes your face like super supple


you should try ya, ya with you guys that was like what four years ago , perhaps perhaps but I'm gonna get on YouTube on Shopee I just saw it before we started this conversation ya it was twenty four it I think it's twenty four dollars ya on no not bad but it's really good


I had a few bottles I bought a few bottles so ya that's why it's not, ya correct my face can take it it's the ya ya so that is


what we love when it comes to uh good examples okay you you know you know like how, you know when it comes to customer service right I prefer it when we chat online rather like do you prefer like chatting chatting with them like either via messages or or like talk on the phone like when you call in and then you know you ask them for help on the phone


ya, like I feel like Amazon and Shopee chats are pretty decent but then when it comes to banking related matters then you need somebody to talk on the phone with right ya


OCBC the worst , ya OCBC and then after that okay but Citibank is pretty, good like because there were a few times where I needed to get my get my rebates but I couldn't apply for them because for them I I okay the only thing I don't like is their how how to redeem their rebates


ya so but then I called in to customer service and they helped me out really quickly so that was good although like we still have to wait for quite some time lah, you know before we actually get to talk to a person you have to go through the long list of options so ya


Google Pay Google Pay I like the promotional structure but that one is not really customer service lor it's not really a product what it's a payment platform that one would probably save it we'll probably save it for later


ya, negative lah the setting always so Mafan, ya okay I mean but ya I love Google, I'll work for Google


ya so we have that one is later this one oh, I I can we talk about bubble tea now I thought bubble tea is later, oh


oh ya bubble tea !wow! I'm not picky at all now I'm into Mr Coconut oh ya Liho, I just go for the shortest queue one because I feel like it generally tastes the same don't you think so


(hmm), ya I like chop chop just give it to me ya the queue number thing right but


part one finance


okay so I just found out that I have four different kinds of insurance, so there's one critical illness, second hospitalization third, critical care advantage plan and fourth is a family tree


so, that is by you actually you yes okay yes so it it's that one started in twenty fifteen so it's the same at the same time as family tree but the thing is right for the critical


care advantage plan it's supposed to last for twenty five years or until the death of life assured, or first claim of the critical illness, but I don't remember paying annually for that but anyway, ya so I don't know if the the you just, did I just pay once and then stop but anyway continue


it's it's four nine nine four nine nine


so basically I didn't get lah, okay okay oh is it, hundred K basic sum matured basic hundred K but anyway


good thing mama, , did the critical illness planning way earlier so I started mine at seventeen years old as in I think she bought for everybody so that one cost, hundred dollars monthly so that's the one that we are continuing lah


up to now, I'm not too sure but it's by Great Eastern, no it's eighty K eighty K death benefit ya


but critical illness is hundred K so but if you die then you get eighty K lah, because ya so ya, so far I I do like my hospitalisation plan


and I, that one is Prudential, so ya that one is, I think you bumped it up to, ya not private it's not private it's just it's still government based but


class A that's the things that I'm not very sure about


what okay I don't know, so what's the normal rate


ya that's my whole life plan lah, in the in case I think it's a good plan because okay so this plan I bought it from you as well so it's a ten year plan I I think it's okay


ah I pay for ten years and then you I can keep it for my whole life or give it to my family when I die or something like that right so I think this plan is good because it helps you keep and invest uh I'm investing in my future so


my future by my future I mean my future family if I ever get married I think that will be very useful so for yourself Kak what did you have since you have a


wait so you got the payout already, oh you have to get the illness first


younger


you can withdraw anytime for the investment linked one, that one is under what, [orh] I've never heard of that, it's from Great Eastern


any policy any Great Eastern policies, oh, when did you buy this, from mama !huh!


how is that critical illness I didn't know, is it the same for mine, oh ya it's Smart Protect oh ya !wow! they don't have it anymore ah


okay


I also I guess I don't have unless the family tree is considered an endowment plan it's not ah


oh they use, they had that okay, I didn't know that, how did you know all this


ah okay, I save on my own cause


I don't know I I'm good at saving I don't spend too much and okay actually I have been reading a lot on what's that Instagram page ah uh it's called the woke salary man I think something like that I love that because


I mean you get snippets of, good financial advice or maybe it's just his advice, the the author's advice so so basically they have that, twenty fifty eighty ratio thing


so they say minimum you have you should be saving at least twenty percent of your savings right, how okay wait this question ask what percentage of your income do you spend on insurance I actually don't count it that way I actually save I try to save thirty to forty percent of my


take home pay, and then I store it and then because since uh most of my insurance plans require me to pay annually so so I just save one shot and then that year when I have to pay then I'll you know I'll pay off using the


amount that I have saved ah so I I don't exactly count the percentage I haven't gone into detail in that


ya, (mmhmm)


five , five thousand on insurance, any of them you can get back as in like any of, the the investment link


[orh] that's quite a lot lah, (ppc)


, oh this


yes


ya I don't know


ya no I because I think, okay I'm quite a, I'm I'm, privileged privileged that my parents have started the whole insurance thing for me so I just have to continue it ever since I started working but other than that I'm not to sure because they talk a lot they speak a lot


about you know your your female diseases plans they are selling a lot on that so I have spoken to a few insurance agents regarding that and then I'm thinking


like is that actually important for us or because okay they are not paying for your medical fees right but they will give you one lump sum like you if you just have like example a lump in your, you know breast that kind of thing so what do you think like is is it necessary to get


do they cover you for that like if you get breast cancer then, oh so it's included


ya, , ya that's what I was thinking but ya


part three negative experience, good I need to read for awhile oh you wanna go first ya


ya I think I know it's hard, , go ahead


ya all so expensive


ya (uh huh)


ya, how is that ya it doesn't


oh my god that's that's bad


, and why didn't you reply


ya then I saw that what


but will they send you the missings the missing wheel they, they they won't then what kind of


that's terrible Pupsik but does Pupsik exist in singapore like as a shop, like not online


so they sent it to you from the #bukit batok# warehouse or what, ya I think that's so bad


ya exactly, it's not exactly horrible but it, it's horrible to okay you know magic mop uh ma oh it's called marvel mop sorry it's a marvel mop okay I I was trying to look up magic mop just now then I couldn't find their website anymore so actually it's marvel mop lah so I should check it again if it exists


but then okay marvel mop has this so I guess uh mama has been, you know she was on Instagram so she gets a lot of ads , on this marvel mop I also got it lah because I guess the ya same house that's why I also get that marvel mop so she said she she told me that she wanted a marvel mop me being the cheapo wanted to like find the post and then find it on Shopee then I did find I did see this uh this


like marvel mop lookalike lah because on the real marvel mop website they had this, it's a US US based website and then they showed the mop is like a very sturdy good mop okay so it cost like about fifty USD


it cost ya but I I don't know whether technology or something like you can you can squeeze out the water from the mop and the mop is like her usual you know uh magic cleaner mop, that time but it's for wet


it's for wetting the floor and all that like a real mop lah so I guess it's like very convenient for her she doesn't have to keep going to the toilet right to, to squeeze the water out so anyway, she wanted she wanted it from that website


so I so specifically that website because that website looks legit and then there were product reviews like everybody was happy with it so we were like okay lah then just buy, so when we bought it it came like three weeks later but it look exactly like the one the mop that I saw on Shopee so it's not


the same product so we were unhappy with it we, uh told customer service but they were very nice because they refunded us the full price actually okay slightly less lah like okay we


I don't know no no like okay it was fifty odd USD right so it was deducted from credit card like about seventy eight, sing dollars so seventy eight sing dollars for a mop that is like something you can get from Shopee for twelve dollars you feel like what is this ya it's not


and then the packaging was not a real packaging also it was like with bubble wrap and then like they just put that uh the normal your clothes, so that was actually quite bad this marvel mop so but the good thing is that they refunded us the full price and they didn't even ask back for the item we could keep the item so


ya that I don't know, false ya false advertising, ya, yup so that was one


one of my not so good experience, another not so good experience , I guess OCBC customer service, they make you talk to the robot, and I cannot get across my message because I am not someone who's very good at credit card


I don't know like with finance stuff right so I need a person to speak to and then when they give the options I'm not even, sure exactly like what, what what what the options are about like it's very vague what you only have like about


five options maybe then when you click one they bring you to another set of questions so it's actually quite, it was on the phone, no it was on the phone but you speak to a robot so it's


something like that lah so that that was actually quite hard so in the end because I'm trying to cancel the whole, EasiCredit the EasiCredit you can't cancel


no because I I'm also afraid of the yearly, fee or whatever that I have to pay, I don't know I know, but what is that EasiCredit like I don't want the check I don't want easy I don't okay I don't understand


you just ya


I I don't know it's a checkbook or some things for you to borrow money from the bank lah what else EasiCredit do you need more credit I don't know, but ya, but they called me up to ask me if I wanted to buy one of their insurance plans ah that one a person came to call me up oh that one can that one for for a real human being can be there but when I want to call for assistance then


they give me a robot but anyway besides that ya lah


!huh!, oh that happens ah


oh ya ya, and they can't, oh so you're reviewing your own


!oi!, okay so


how about how about your slimming pills, any one worked at all


what and try, so that was not included


oh ya ya ya maybe, oh man


eh that's ya that's not bad, that's ya uh perhaps


oh okay


that's true


describe your worst staycation or holiday in a hotel, I mean my mine was, mine was not that, bad lah


ah ya where was that that one was in which country


oh ya okay, ya , but ya


, oh Melia okay


last minute ah I,


, do I have no mine was it's it's not okay mine was probably okay I don't know if I should be saying this it's it's the it's the one uh I can't remember the


the company itself but okay I shouldn't okay no, no it was I'm not, too sure of this I probably have to do my own research first because I'm not too sure the market price of


all packages going to nepal you know nepal okay but the thing is uh we went there with a family like , like connections lah like we were connected to this uh guy who's a who's a


a tour guide in nepal so so when we went with them so it's a a little bit hard to gauge like is are the prices like too steep like did they charge us more than the normal normal rate


I don't know I I don't know about that because because I think we will, it was quite an expensive package to me because I just graduated that time it was two point two K okay two point ya is that is that is that normal


wait did it include my flight, ya I think it didn't it didn't include my flight, , ya okay it's two point two K and then you have to pay tips or so on top of that and then


in japan and japan is so clean right okay and then ya so I


part two positive experience, okay


, no that one is quite positive also there's positive and negative okay so okay so


my favourite restaurant , okay my favourite comfort food restaurant lah would have to be McDonald's because it is so I don't know it's so easy right it's fuss-free and then the queues are always very productive as in like the there's always a


~tematic process to everything in McDonald's at McDonald's and you always get a very uh positive experience whenever you visit McDonald's I also like the branding I like the marketing and they always come up with you know new things to get us coming back to McDonald's which


is a love, and hate thing because he, you just keeps, eating not eating unhealthily but it's, it's very nice lah I don't know what it's not


ya but also I think because in school we didn't have much time right to, to, uh as in we have time but school was very big and classes were spread out between


different, areas of the school campus so where most of my classes are we are mostly at at like north spine so at north spine they actually, uh put all the, fast food restaurants there


so we and McDonald's just happened to be one of them so I consume a lot of it during my, uni days so


I think french fries is nice and I don't know okay not only convenience I also enjoy the taste, my favourite, at the product itself, I love the fries I'm addicted to fries


I just wish that they will actually come up with something minty also because then I would also get the mint drink like a mint frappe frappe frappe or something what about you


you buy things on Amazon


oh that your stroller that stroller how much was it again, oh, really ah so expensive


!huh! okay ya


!wow! so Amazon, what bezos #apa nama# eh what's the name what's the name of the guy jeff bezos


ya okay later ah, [orh] Amazon, oh really


I enjoy Shopee, yes it's so easy, and ya price point is also very nice I like the nine nine


the, oh ya I like that , that work Hanan cannot pair it, okay most of our products right now that we have child is all mostly online, online products I guess


yes ya, you check it, especially clothes, yes ah so that really helps ya I do agree, I like SHEIN SHEIN SHEIN


ya I bought from SHEIN one, one I, like it but then the thing is I saw the product reviews okay no I think they said they SHEIN uses a lot of influencers, to market their products and they find that it could be unethical because


, what SHEIN products are very low, price, but I think I'm I don't know I'm not too sure, they they are fine to me, the products are fine, it's okay and they actually go up to


fit larger sizes as well so I think actually you you can try eh I thought I thought you might like it also, but they are not as nice lah


they are not as nice


Uniqlo is good


oh okay then, because they have the size


!hey! , is that legal


worn once worn once only


oh yeah I love Zalora oh how can we forget, we buy a lot of things from Zalora, ya ya


and keep the site and return and then they will, return the money back, but that's the thing I don't know how how they managed to do that because, how many people will be returning items and they have to redo everything right how how is that beneficial for for a company I don't know


it's just funny but it's great lah it's great for


uh do you have to oh oh that's good, and then


oh !wow! ah ya ya, a lot of people, (ppc) doing that okay


okay I'll I'll talk about my facial, so it's all thanks to Najiha that we started this facial she had she bought this a trial, facial for like thirty dollars okay there's a lot of you know a lot of a lot of these packages come


like they distribute the package like the trial packages outside, this was before COVID period like like two years ago and right now we are continuing the package so it must mean something is so it's skin lab, I think it's it's available island-wide right I don't know but ya it's Skin Lab I think Skin Lab is really it's it's a good experience but of course


uh like okay it's a medical spa is a skin lab medical spa so it is like a clinic a little bit more like clinic and then they do a wide range of services but I think they gave us the basic ones uh as in the not so expensive one so they include


acid pill lah uh and a lot of those kind and I love the acid pill because once you , they they applied on you, uh you, it just clears your whole skin because I got a lot of the dots


on my face, I think so no milia seeds and I do have acne also on my cheeks so it clears that those areas so I do love their acid peel treatment that uh medical peel I think they call it medical peel ya and then their


therapists are actually very nice also and when you become a like a regular customer they service you like, they they service you like a friend and it's I don't know ya so so I do like


weenie because she helps me out a lot so ya so anyway, uh very uh , I didn't know we they speak to you they share with you about their own lives and everything


so so it's quite ya small friendship ah but ya that was it's nice it's a very personal experience also when you when you stay on on these packages but ya at a a negative point about it is obviously the price point lah it can be pricey


okay okay , ya I think the experience is nice and the uh the result is also nice I think my skin condition did get better, but ya I


that one is about, how much ah no previously because I'm sharing the package is twelve sessions for, for two people so we split the so we were paying about


seven hundred, each so it's thousand, four ya, ya is that very expensive actually I'm not to sure I think it's market price I don't know


, ya you I have more wrinkles than you wait what is it called, what is that


!huh! that's how old already


wait you bought this on the korea trip with us, so is it expired or not, what's wrong with you


!wah! I why didn't you tell me, [orh], then you just use it on your face you don't even care if it's expired


if I need help I prefer calling in but if I need to check on something I prefer typing it out because I have a lot of questions that may come as and when so I prefer the chat function, I never try


oh I hate that ya OCBC what's wrong with okay nevermind I don't like nevermind later


ya that's true, you want to talk about Google Pay how have you been loving


oh, alright, why got negative reviews okay, [orh] ya okay okay okay let's


I want to okay what else your favourite bubble tea, your favourite bubble tea also you want to talk about later


we like Liho though oh, no it doesn't I think Each A Cup's earl grey we we said that the taste was better


customer service wise I mean all of them provide the same kind of customer service also that's not ya, ya so it's


investment strategies


hi my name is <P2>navel</P2> and I'm also happy, to be talking about what we know about investment strategies I'm happy to share it as well


I think I'll start first, I'll pick on what are your thoughts on dollar cost averaging DCA I've, ya what do you think is what do you think about it


say uh no no worries it's okay how dollar cost averaging works is like


you have a fixed amount of money that you wish to invest, instead of putting it all on one particular stock or one particular bond et cetera you split it over the variance of stocks and bonds it's like you split it over something here something another part of the world they are so variant in such a way that if


something goes up one of the, stocks show good profit ah the other one uh may maybe lesser so it balances and it reduces the effect of volatility because stocks obviously unpredictable


correct ya a fixed amount of money uh set aside fixed amount of money so I feel it's a good scheme, for those who are new to investment those who are not sure how to start investing or don't know


how to focus on a particular track, they spread out how they how things are and then maybe when they realised one of them is doing exceptionally well and if they know that this will also do well in the future they will invest in that too


I I think I agree with you as well if if someone were to study the company properly and, and realise its potential, maybe really study the company that's that's how it is uh I I think it's a it's a good thing because I feel this can point out to another what


ah topic number five buy low and sell high is this a good investment strategies I would like to defy what's your saying to this ya I disagree though you and I don't think so because I feel, the whole point of the what investment means it's not just a a a blip or you putting in a bit of money it's you ah it's you showing your interest in the company it's you having a owning a portion of their company wanting the company to grow


not just buy and then sell it later that's not investment that's just, trading I I I feel it's different personally, ah that that is what I agree


ya I've heard of him, ,


no I actually haven't, oh really I haven't heard of it


[orh],


!wah!


what I feel is stock split is I pretty sure stock split always means the company is performing well right and a company perform well it split stocks and they just a bit of knowledge,


, next how about we talk about this topic now time the market or time in the market, do you know what's the difference between those two


if I'm not wrong time the market means, you buy similar buy low sell high, time, in the market means you purchase something but you don't know if you purchased it at the right time or not it could be uh right time or it could be a wrong time you could have maybe purchase it a little bit what


the price what ya you could have purchased it earlier but you could have also purchased it late but you know that it would perform well in the future you know that you'll get back some return so you just leave it for some time in the market I guess that's the thing time the market is you see about the market timing I guess


you just see when it's low you you purchase ah when when its price increases you sell, so what do you prefer time in the market or time the market, long term one is the time in the market, okay I I agree with you in that


okay


okay pretty sure at twenty years if you pick the right company it would definitely have grown well, okay


oh , oh


I agree I agree, tell me if you how about topic number two if you have a sudden windfall of one million dollars will you invest your money and how would you allocate your assets for investment how would you do it


okay okay


personally out of the one million dollars, first thing is, I would maybe spend uh, half the money in a savings account for usage half the money the other half


I would invest a portion of it into ETFs or unit trust, uh a portion or another portion is you know precious metals right gold silver, that's the reason why for years mean for centuries people would love to keep some gold at home


because the value never goes down, gold is always respected so that's why people, like to hold a portion of it I would spend a portion on gold or another thing which is a bit more of a, new idea ah especially for the current generation which I think is the strategy somewhere


instead of just investing in maybe gold how about you invest in those a pool of companies that uh gold mine that ah that work in gold mines you understand, those companies that manage this the the precious metal companies you invest in a pool of companies like that that is also another strategy and uh because of maybe you can set the physical factor of


hiding gold at home is always can be risky but I say in a place like singapore where, where things are extremely safe, holding on to a bit of gold is obviously it's no problem so I will do that and obviously maybe buy a car


invest in a car that's this is what I would do, okay


they keep referring to it like I'll be using the gold now next when you get married your wife can use this they keep saying that you can argue half of it saying that they're just saying there to make themselves feel better the other half is maybe they really are true maybe


you could you know use this for generations altogether I think my dad's still has his gold watch from his dad


, ya if you spend five hundred thousand on gold obviously it's not a good idea


spend a spend a good amount but not too much I guess just a just a err my idea, uh, ah yes


I, got uh I I agree with that because you see the value of paintings I'm pretty sure it takes hundreds of years so if you are willing to make an investment and expected it turn to two hundred years I'm I'm confident that doesn't count as a investment is more of


ya it just happens investing in ya obviously , , next uh speaking of somebody you were talking about your experience, in in what


, investing in tesla right, so how how about this where is that this one question I saw


do would you would you mind sharing it are you familiar with investing correct if yes how did you start


okay, uh, oh


berkshire hathaway right ya it's the most expensive,


okay, so tell me what is one financial advice that you would give to yourself ten years ago


really, I would invest in bitcoin, I would invest in bitcoin as much as possible all my life savings so it would if if I did that I won't uh


, uh multi million , okay,


so you confidently say you can invest in tesla anytime anywhere, okay, okay you know one day maybe I'd actually, what do I know to be honest, only uh


ya that time only when that time it was booming my father told me how bitcoin value just skyrocketed only it's that that time then I got to know about how bitcoin was so useful what was the value again it increase to some some small number to


it was very expensive yes that is that's how I that's that's the only when I remembered and I'll obviously all the meme saying I wish, yes so


you this is another example saying that you can never tell you can never predict the market you should it would take lifetimes and lifetimes to understand how market works but you can always cushion your blow if you made a bad bad choice stuff like what we discussed dollar cost averaging where


you don't you if you let's just say your profit also skyrockets for one other stock the other side drops down your profit also won't be high but uh vice versa if it goes low for something the loss also won't be so high, so I feel it's a good discussion


negative product review okay, you you start you go ahead describe, when was the last time you had a negative experience anywhere


, okay, okay


okay, oh !wow! !wah!


okay okay I don't know how the lazada relate to netflix but if I get six months free I'll be happy, okay


hey that's smart oh okay, so you so overall it's a it was a minus but a double plus so overall plus, okay


okay that's what you wanted in the first place you just wanted a good keyboard, , in in the end you got netflix subscription plus your money back, I feel that's a good that's a good deal, I had a similar one minus and a double plus so I don't like to call it a bad experience I just call it a call it a patient experience do you remember uh FIFA fifteen


so remember trading uh trading players in the game, we we we became millionaires just by trading players or what we started with what thousand coins we ended up with fifteen million


so one of the time was I after you get to a point at one million or two million trading with gold characters won't work silver and found, god knows why they are so overpriced but the profit you make from them was really good okay so you know hurricane right this this happened in what two thousand sixteen was it or fifteen sixteen end


okay this started when we were we were in what uh grade okay that time, so so


I purchased a hurricane silver in front for two million okay, two million and I could have I could have what sold it for five, so three million profit but the thing is


I didn't receive the card it said my money went but it said the bidding expired so I didn't receive the card, you can argue it's just a video game you just leave it but I didn't take it like that this was my heart and soul so, I went to EA I said see I just spent two million gold coins and I didn't receive what I wanted EA said okay I know I know it's it's funny and stupid but it's it's all like that


so then EA said, okay we'll have a look at it so I waited okay I didn't receive the money back for one month no reply also then just one month later they gave the money back and they give the card back so it's like I got I got a two million what player for free


and I sold it for seven million, so nine million that's that that's the highest I've got uh nine million back, ya see this is you you just mentioned that's why I just remember this


on on point though , uh, yes because I didn't quit , ya


a negative product review on which I had or honest negative one was my phone screen protector I've been using it for like for what one year


and then it obviously after one year it it was damaged I need to replace it there was a shop down our house, and it was they it it what came on recently we thought okay let's try it I went there I ask them to change the protector okay it cost us thirty dollars


so I said okay it better be worth it, I I spent thirty, next thing you know what ah, yes, it broke within one week


and I said look I spent thirty dollars I didn't even it's like not like I dropped it I just kept in the pocket it was so fragile it just broke, I went to this person I said look I spent thirty dollars it broke within a week so can you change it


you could argue yes I spend money and I got the protector if it broke the fault is on my side but this was very very fragile this was like using loopholes okay so I ask him can you replace it then they said no, then I said look I got a protector for ten dollars at vivocity a year before and that was that lasted for a year and you know what he what the person said he said why don't you go to vivocity and get it done


ya ya you see, you see you see, so at that moment I said you know what I'm done with this this guy that was the last time I visited that shop for ya it's been around uh around a year or so since I visited


there with good reason, okay


okay it doesn't work, so


or you can maybe try servicing it either servicing is not so expensive but how much was the servicing then, uh okay it's not done, okay you feel okay


okay


I've always been a fan of google chrome always ever since for years onto ya to be honest what do you think, is so special about google chrome that uh drives a lot of people to chrome what do you think


yes yes I agree I I think I have to agree with you this one whenever


ya, correct ya


ah okay, so tell me how would you, handle


at at that point if you are facing someone and they're having a negative experience at that point like suppose you didn't you don't get what you want how will you speak it out what would you do, on point right


okay that's how you'll approach it okay, okay okay


you didn't read the terms and conditions okay


which membership is that, !huh! anytime fitness I'm pretty sure it has a policy where you pay hundred hundred or hundred and something to cancel right, oh but


but why do you want to cancel the membership, you didn't know about active SG, it's the cheapest in singapore it's two fifty I think per entry


but the problem is, active SG, you see active SG is I feel is the cheapest but the problem which I signed on to, to a different gym membership is because active SG is always crowded always always crowded and uh by the time you take it takes like two hours to complete and also


exactly, ya that think cut down by half the slots for gym cut down by half


it's problematic yes it's the most expensive in singapore I think so


they when you have anytime fitness key card right you can access any gym or any of the anytime outlets, but I think you need to spend a minimum or maximum minimum of one month on your base while you purchase the membership to be able to access all the other outlet store


ya, I'm going for the one at west coast, ya


and is lazada the only, customer service that that like what has a problem have you had a problem before any other online online uh, okay I feel


most of the online online uh delivery items recently I haven't had a problem though though because they're that efficient, or at least that's what I feel ya they're quite quite efficient and they deliver what they need and haven't had a negative experience though I believe my


father could have I think one other time when he ordered a a a kindle amazon kindle it was broken, it was actually broken yes


so tell me, I don't know if this count as a negative experience it just a experience but have you ever cried in a movie if you can't call it negative right but


you cried at what, oh okay okay so mine was mufasa, when mufasa my lion king was my childhood my interest


when I was, young my mother would play lion king and we'd, watch it over and over again things like lion king snow white, then movies like that we'd repeatedly watch it over and over again and that's why it's always been a part of even now I listen to the soundtrack here and there


it's by hans zimmer you know it's by hans zimmer right the original soundtrack, so, that's when I uh uh it was always emotion the the dialogues if you notice, (ppc)


okay okay


okay you want fiction to become non-fiction, okay , , okay that really interested you


true true for me, I always felt bad man it's like how do you say about things lion king right I really felt bad because


the dialogues were quite nice man it's like ya it's simba says I just wanted to be big and brave like you and then mufasa says I'm brave only when I need to be and he asked what how are you never scared and then, mufasa says I was scared only today when you are in danger things like that really touching man really you know


they just also because I've ever since young now I another thing is constantly I've always looked up to my father and I really wish I can become half the man he is cause he he went through a lot of difficulties he went from


from what, sticking posters on walls and selling newspapers to becoming a, project uh uh one temporary director in a software uh company he went from this to that and I really wish I could go through that and maybe become tough like him but


similarly he also started what, having that person he is usually much more aggressive when he was younger but now even he tells me here and there I wish I could have taught you more I guess if, tactics but ever since I had a family I also felt more passive and more scared I guess more paranoid it's something I could relate to


ya, man it's it's it's just quite nice , so tell me ya forrest gump was awesome


it's it's really good


ya tall humor, it was really good, tom hanks yes


what do you dislike about the the is there anything you like or dislike about the younger generation, okay


unfortunately yes we have obligations


I think that could be a personal thing too I repeat I'm not saying what you're doing is wrong but I personally feel that that could be a what, personal thing true the whole point you post is to get likes so obviously you look at things that please others but I can understand


you know that I think what you just said could be a really strong and debatable thing can if the like button be removed from social media would people post anything at all then really it's a it's a it's a good thing


!wow!, it's


true understandable


positive product review, uh did you okay


okay, okay


oh is it bluestacks, okay, [orh] okay okay


okay so you're saying that you switched recently from windows to mac and you're enjoying the experience


okay okay


okay okay okay, so, positive okay uh me, I was always a windows person since, since I was what primary one primary two because back then uh the laptop they only had my father's laptop so unfortunately I couldn't play too much and that so whenever I went to india my grandfather used to have a desktop and used to have a


windows XP installed so real, yes do you remember the pinball game the space pinball I used to play that over and over again, a lot and uh slowly I started learning how to download


other video games, and how to play online games and that mini clip, it's a free on online uh video game website, it's quite nice, and


I agree, true mac is more for professional right with professional purpose, okay


so you also half here half that but recently you just like the mac feeling is it, okay, okay nice


for me I've I I , I've used a macbook too we have a macbook but the thing is there were a lot of things that I have difficulty with it especially because the macbook was what my father use it a lot so


I only got to use it here and there so only when I'm doing things like using safari or searching online I I stick to using the mac experience but, things like working on word document or powerpoint, conversion between the windows version to a mac version somewhat things like that can be really frustrating especially when you work in mac I I'm I'm not sure how it's so challenging but when you change it to windows things just get jumbled here and there you need to rework it again


and uh, ya, it's been like that for me


, okay okay


ah, okay


, do you feel that uh I I personally think them in the thing that separates macbook from other laptops it's its durability and probably it's classy design


you see how mac is because we purchase them macbook when how many years ago it's been maybe five years or more than that also and it's still functioning well and good, so it functions for a really long time I agree ya I I heard apple device an ipod which I purchased twenty seventeen you you remember right twenty seventeen and it's still really good it's still


working no problem, that's what that's what it is I guess good good, true


ah okay ya


okay, !wow!


oh okay


oh so you're saying that group uh what do you say customers co-create more customers is that what you're saying, okay okay


I can't seem to recall by though, !wow! and yet it's, ya


that's good that's good, okay, (hmm)


electric cars I think it's, part of the future, the future we imagined flying cars the supersonic buildings, I think is part of that that future electric cars can work there but


since it's currently, people don't don't look look look to it that much maybe it's attracting the young generation maybe the next generation will be more interested or the generation after that but it eventually I think it could work out


eventually it could but we also have to I guess it if it purely runs on electricity we need to find a new sustainable electric source too , we stick to petroleum and call those uh resources are going to dry up real soon, so


[orh] you like it nice true true


okay


!wow!, oh !wow! you I think you told me ya, that's nice, I wish to share about another positive experience I had ya see it was in Bali indonesia


what happen was, we had a a plan of, four days three nights I believe four days three nights in twenty eighteen we went went to Bali, so that, the problem was


it was all impromptu once we landed there we didn't know what to do, I guess you can say it's worth planning of all lah first but can't blame also father's busy with his thing so, and my younger how you say younger brother is also too young to understand so


I guess the thing fell onto me to, how to what, find a suitable solution how how things can work so what I did was, I spent hours altogether in the hotel room planning a journey tomorrow morning we leave


using google maps how long would it take by car it'll take one and half hours by car to reach this place from that we'll finish an activity for two hours and then for lunch time another one and half hour so I plan there, you know in army the routine all those right I plan the routines all this for the entire vocation vacation sorry so


what happened was when I went there, one of the one of the places we went for was for dinner it's a place called Walang, Titi it's a family owned restaurant


that is uh balinese cuisine, and, the experience we have really there that we can still remember for two years it's not just the food that was really good it's


the people it's like a father and a mother were the ones that were uh busy cooking and there's children that helps serving so I think it was just four people that run the entire restaurant but it got such high reviews we decided okay we must go there and have a look we went there we were having a look and it was


I tell you it was really good it was we we were two families my family and my uncle's family so that was a total of how many people I think it was eight ya it was eight people total and you know how much it costs for that eight people together the food there


in singapore dollars it costed around, less than hundred for eight people, ya, it's really good and, that's why because we also look for you know you know when you search for restaurants on trip advisor it shows you the dollar signs right a single dollar sign for cheapest four dollar signs for the most expensive we've I or I pick first single dollar signs with uh very high ratings


so I worked on that found this place and, I work on that found this place and really parents really enjoyed it the straws right they don't use plastic straws it's a not it's a completely plastic free zone over there they use


they make it out of coconut, they actually no no they sorry they made it out of bamboo I think the straws are made out of bamboo, and the drinking pots are made out of coconut, so that was no plastic no whatsoever only the plated were reused


that's it it was quite nice, sorry, correct it's in Bali uh it just can't seem to remember which part of Bali it is but it was really


I know I know I know, ya it was really good they deserve it they if you ask me they it's worth a second look as well, and especially you know they start a small joints where owned by family or something these places are really good underrated but actually you can't say it's underrated also now a lot of it cheap and good ya those places are easier to find the places


it's all it uh it was very healthy none of us had any stomach issues or any what poisoning whatsoever it was really good, think it was a


I believed was the famous dish that was coconut chicken curry, it's balinese that and pineapple rice I think was it pineapple rice I think that as well and then we ordered some sides as sides too it was really good man that's what that's


ha, yes they do they're famous for that, I actually miss that place when I actually miss Bali so


do you have any overseas places that you feel is memorable where you enjoyed the big thing there, okay okay okay okay


okay, okay !wah!


I, that's not bad that's actually not bad okay okay


that's good that's good, I been to a can't say it's a mountain region but, it's a hilly site is called a roof of indochina, okay it's called the Fansipan peak, uh unfortunately I'm not able to remember the elevation count but it's located in vietnam


uh we went from was it Napa valley ya it was Napa valley, we go by cable cars to the to the base then we go and climb up we can either go by another cable car but we prefer the manual method we prefer walking up the stairs


and it was so cold at freezing that we we we initially went without gloves without any what hat without is also easy no problem with the hands are freezing so much luckily they had a tourist shop there


ya ya


ha no choice,


how did you climb up did you have you did you did you climb somewhere up or did you just visit the top and come, so you near it was uh was it the end of the village and the mountain is it


oh okay okay okay that's quite nice, okay I went by what


climbing upstairs and, we we had a climb was we had gloves we had to walk on the stairs like this like our legs were down our hands have to touch the bottom first will be, thrown back because of the wind, but man it was really good


the cold and nice , okay


okay


okay, okay


okay okay


but the mistake they are making I feel is they're appealing to the wrong side they're appealing to a class of people that just want a table fan they were just they just want they don't want, high high engineering or high quality all that they appeal to the wrong side if they appeal to the right class of people that are that uh people that are interested by something like this and like to study something like this too then I feel they would be really more successful at least that's what I feel it is it is okay


investment strategies, hi my name is <P2>sabri</P2> uh, today I'll be talking about uh I'll be talking to my friend about investment strategies about our opinions on the investment strategies and our ya our opinions


ya, dollar cost averaging uh from


from what I know about dollar cost averaging I think it is I am not really sure I think dollar cost averaging is like buying the lows and selling high it's that's what I think it is I'm not very sure it's probably that or the exact opposite I'm not exactly sure


(mmhmm) (mmhmm) (mmhmm)


(mmhmm), you can balance ya


so it's basically basically spending your money on different uh stocks or different bonds to balance out your profit or loss, okay


ya actually for me I think is worth the risk of putting your money on a specific company if you actually know how the company is doing, for example for me I feel like tesla is a good company to invest on right now like just a personal opinion, because uh they're very they are still they're still very new compared to all the other companies they are still a very small when it comes to the number of countries they are in but there are already selling a lot of cars they are the most valuable car company in the world right now but they're still small in uh in the size and when it comes to scale


so when they actually have to when they've been to start branching out to singapore or different asian countries I think it start growing even more bigger so I think, tesla become more profitable in the future so like I mean like what I'm trying to say is like if uh if you actually know how a company a single company is doing by itself like you it's it's worth the risk ya


how do you think (mmhmm) (mmhmm) (mmhmm)


(mmhmm) for me I don't think so, I don't think so I don't think so ya ya


yes short term ya, yes yes yes, ya actually ya that is that is no different from gambling actually yup


ya true true true actually, uh from what you said about dollar cost averaging I think it's almost the same as uh ETF have you heard about ETF, the exchange change fund what they actually do is uh they split your money into different stocks and then they put your money in different stocks so it's like a bond by itself but I think dollar cost averaging is putting your money in different bonds exploring even more bigger


so ya, actually have you heard about the stocks split stuff recently like you know say uh recently apple split their stocks and all stuff, ya, it's like basically is like stock split means like a person who previously owns one stock will now own five stocks is like depends on the ratio sometime they can split two is to one or five is to one


so actually if you see nvidia you know the graphic card company nvidia right ya if you see nvidia right they actually split a number of times so they split around four times I guess, ya they split four times and first time was two is to one second time was two is to one and third time was two is to one so a guy who own a single stock in two thousand now owns two times two is four four times two is eight so he eight


times one point five is around err, it's almost more than ten a guy who own one stock in two thousand now owns ten stock without even paying extra money it is the stock err you know multiplies by itself, also the cost of stock also improves it's like in two thousand it was like around fifty dollars and now is like five hundred and fifty dollars so that's like a hundred and ten percent profit per stock


so ya so that's a lot of money without even doing anything it just like ya, yes yes yes yes and also more new investors ya ya


so whenever they split the stock the price goes down so that more people who are willing to invest can invest more easily, ya no I have no idea no


(mmhmm) okay, okay


earlier later ya okay, okay ya ya okay okay ya okay


wait which one is the long term one ya I I prefer that ya, actually ya we we can't predict we can't predict when a product will be selling more or when it be selling less you know I think I prefer more of like a long term investment actually when it comes to stock if we are thinking for a short term return I don't think is possible I don't think a person should even invest if he's looking for a short term return


he should only invest if he's looking for a long term return you know and I mean like what what usually I and my dad tell ourselves is that we put our money in a particular stock we just forget the fact that we have money in the stock and then like twenty years later we open and see it just multiplied it sounds good but it doesn't work all the time but hopefully it works


you know ya, ya ya ya, ya yes yes yes ya, I actually we know have you heard about this penny stocks and all stuff it's like peoples buy all stocks for like ten cents and twenty cents and then but then like they okay for example they spend hundred dollars in buying a stock which costs ten cents so so they basically buy a thousand stocks


so uh if a ten cent become twenty cents uh, over over they over like over the night so they earn twice as the money twice the money so this is called penny stocks so so if they invest thousand dollars they get two thousand dollars the very next day so


I am not I I don't really I don't really like think about it much like you know uh it's it's sort of gambling I feel it's sort of gambling, ya, ya (mmhmm) of course


oh err, okay how will I do it is since I only know about stocks I only invest in stocks uh I put half the money on apple and half the money on tesla, ya


how about you how about you (mmhmm), (mmhmm) (mmhmm) (mmhmm) (mmhmm)


ya ya ya ya ya ya, (mmhmm)


(mmhmm) (mmhmm) (mmhmm), (mmhmm)


manage gold ya, (mmhmm) (mmhmm) (mmhmm) (mmhmm) (mmhmm) (mmhmm) (mmhmm)


hiding hiding gold at home okay okay, okay, okay okay okay


investing on precious metals or rare stuff I'm not very sure about that actually honestly, uh you know okay for honestly coming from a asian, background you know uh my mom wants to buy a lot of jewelry golda lot of gold stuff but, I don't I it she thinks she tells me she's investing but I don't really know how much we're investing it is


uh I'm not sure about that, ya, okay okay, (uh huh)


(mmhmm), (mmhmm) actually ya actually actually gold has a lot of, applications apart from just jewelries you know they're being used in uh mobile phones for semiconductors know all this kind of different stuff so precious metals is actually sort of a good investment when it comes to like in the future for making certain products I guess I guess but it's not a


it's not a lot from what I know not sure about that, ya she doesn't definitely not a good idea ya ya ya ya, ya ya true ya


you know people also invest on paintings uh antique cars all kind of stuff ya because you know there's something called bidding right you know when it comes to bidding people are willing to pay more money than the other person just to get a specific product so bidding actually is more than the


value over time is the bidding by itself the want or like you know rare you know how rare a specific product is and, how people are willing to give more money than the other to get the product adds value to the product so ya so like people will like you know who uh


invest on paintings or antique cars for antique watches even sometimes, those those type is also sort of a good investment but those we leave it to the rich those are only for the rich ultra rich ya, for now we can start you know ya it's just like normal twenty year olds we can start with like normal small stocks or something like that ya


(mmhmm), (mmhmm) (mmhmm), (mmhmm) ya ya ya


you won't you won't you won't be able to see the profit within your lifetime so this is like, ya


experience in yes oh ya


tesla was a very bumpy ride, okay okay fine I I start off buying one stock one stock in tesla just to explore you know just to start off I bought one stock but when I bought it was around hundred and eighty dollars


okay and now now the values too high now is very high now it almost went it went to two thousand and then they split the stocks and then now it is too now it is four hundred dollars per stock, so actually when I bought I only bought a single stock at that time in two thousand and seventeen but when I when I started buying more when I my father together started buying more it was towards the end of last year so it got more even more expensive than when we should have actually bought in two thousand and seventeen


so at that time we didn't really know much about investing or in the stocks we have more we most scared because like we didn't it's like it's not like you're earning millions of dollars to just put on stocks you know it's like, you know we'll earn monthly pay so you know it's it's pretty scary to put in this kind of stuff what if the value just


goes down and although in two thousand and seventeen not not not much people know about tesla or what it wasn't like a successful as it is now so it was a bit scary to, to invest just to invest itself, so but now that we know more now that we are more a little more experienced than before now we can like you know


uh, do stuff with more confidence ya so do investing with no confidence so ya, ya, I would say tesla is a good buy any day even if it is ya ya I it just my personal opinion ya but ya


bit but there are there are there are uh there I I read articles in yahoo finance that it might go all the way up to forteen thousand dollars per stock and stuff I know I know uh warren buffett's company right I don't really know how to pronounce it we're berkin way or something ya ya that ya that company


one stock is around three hundred K dollars three hundred or two hundred K is like very very very expensive but think why this why is it so expensive because they have never done their split before, were they have never done their split before so but then because they don't really need people to invest in their company because the company by itself is an investing company but when it comes to apple or tesla or micro


soft or nvidia or AMD or this kind of like you know companies they need people to invest because they need to make products from the money which they owned by investing but from people investing in the company, since they're making consumer products they need they need money to make this products so in people investing in the company is important for them


ya ya, , ten years ago , I don't know, uh I don't think I'm still old enough to give financial advice to myself I don't know uh I think I think I would have just said buy the tesla stocks with more confidence how about you


[orh] okay okay okay, okay, <P2>navel</P2> would have been uh you would have been a millionaire by now


ya ya, but like ya even there are saying it's a bubble you know bitcoin bubble ya and even now when I talk about tesla to my friend they are like dude tesla is a bubble you know don't don't be so you know confident with it and stuff


but ya I believe it I hopefully hopefully it helps those who are investing on tesla so see how it goes, ya, yes anytime yes ya ya


when did you get to know about uh bitcoins <P2>navel</P2> ya when did you get to know about bitcoin first of all like which year like was it during the time when bitcoins were booming or still just a, [orh] okay ya


(mmhmm), ya twenty three thousand dollar thousand dollars per coins or something like that, ya ya


ya, a lot of people made a lot of fortune just by investing in bitcoins like a lot of money ya ya


yes yes yes yes ya, ya, (mmhmm), (mmhmm) (mmhmm)


yes true, (mmhmm) yes yes totally agree ya, ya


negative product review, ya okay


okay I had a lot of negative experience but one I would say I remember very very well it's the lazada one okay so okay so I brought I bought a bluetooth keyboard a portable bluetooth keyboard for my tablet from lazada okay so it got delivered two months later


got delivered two months later and I open the packaging the thing is broke the keyboard is broke, oh it's like oh my god this is such a waste of money it wasn't it wasn't really that expensive so I couldn't expect a lot it was just like around ten bucks or something but then like


what I did is I took a photo of it immediately I send it to the uh I immediately contacted the lazada customer service but the customer service was actually good what they did what they did was like they transfer me the money back, also they gave me a six month free subscription to netflix


, ya no they okay I know okay I know see they have this they have this thing okay they have they had, several vouchers they ask me to choose one K one with a ten dollar voucher for bookshops for popular or something there were there are several vouchers so I I obviously choose the netflix one for six months I got a free netflix for ya free for six months


ya ya, yes ya the negative review is because the laptop could have been I mean the keyboard could've been way better ya, yes ya I just wanted a keyboard ya I at the end of the day I didn't get it ya netflix for free for six months ya ya ya that's a good deal yes


ya (mmhmm) okay yes yes yes, ya absolutely yes ya ya ya


ya ya ya ya ya, (mmhmm)


ya ya fifteen sixteen sixteen eh no FIFA fifteen releases on, two thousand fourteen, two thousand fourteen ya


eighth grade ya ya two thousand fourteen ya, (mmhmm) human trafficking okay okay


okay okay, okay okay


okay okay , okay okay


okay okay okay, !wow! okay !wow!


!wow!, damn damn that's nice that's nice okay, ya


actually the thing is that I think you got the nine million because of your perseverance I think it's because you reached all the way deep all the way to EA if you have let just left the that know you just left the case you'll never get the eight million nine million dollars nine million coins dollars ya


ya ya, (mmhmm) (mmhmm),


okay okay okay, okay okay okay okay


wait you spend thirty dollars on you spend thirty dollars on the protector then the protector broke, okay and then you went back to the same same store, okay okay okay okay


(mmhmm) (mmhmm) (mmhmm) (mmhmm), (mmhmm) (mmhmm) (mmhmm) (mmhmm) (mmhmm) (mmhmm)


, okay (mmhmm) (mmhmm) (mmhmm) oh


he is right he is right , okay okay okay, (mmhmm) (mmhmm)


ya you know you know I you know I got this mac right I got this mac in student offer so it was like three hundred dollars or four hundred dollars subsidised because it's a student offer and then also they gave a beats headphone solo eh studio three for free, okay dude don't be surprised the thing is it doesn't work okay it works with my phone but not with my macbook


I think there's probably something wrong with my my my macbook's bluetooth uh module that's why I'm wearing a wired headphones right now I can't use my wireless because my uh my mac's uh, bluetooth module isn't really working properly it was working then it stop working then I reset the bluetooth module then it started working again and now it stop working again I think I have to reset the bluetooth module again


like, I I didn't even bother checking it ya ya ya actually mac actually I feel the only bad thing about mac is that it gets heated up every now and then ya


you know in the normal safari okay see the normal safari the highest resolution resolution I can see is uh, you know the safari for mac right their own uh internet browser ya the highest resolution video I can see is hundred and eighty P, but when I but but when but in google chrome or in opera browser I can watch four K videos


ya it the safari just doesn't allow me to see a hundred and eight uh four K videos it just doesn't allow me to see I have to switch to opera or uh google chrome to see


ya ya google chrome is pretty good ya even my phone I use google chrome ya ya, same, because I think okay I think is because whenever you open google chrome google appears the google search engine is right there yes


but when but then whenever you open internet safari in windows the MSN browser comes uh the the search engine comes off or in macbook you have to search for google because the macbook the main uh page is different ya so I think in, google chrome everybody use because when you open google chrome it's google by itself so you know what whatever whichever search you make is made in google and and obviously people use google to search you know uh whatever they want to search you know there was even a meme is like what is the which is the best uh search engine okay let me google it


ya ya ya, (mmhmm)


contact the customer service whichever is directly contact the customer service and then tell them the problem and then listen to what they have to say first ya, ya, ya actually actually actually recently okay I sign up for a gym I uh sign up for the gym membership uh on this year february okay so uh it was a one year contract okay


so when when they were when when they were telling me about the contract details and I was like okay okay okay okay and I just and I just and I just sign I didn't read the whole thing okay okay so now ya terms and conditions I didn't read it properly okay I just sign and everything okay then now when I want now I want to cancel my


uh uh membership I can't do it they saying that uh this membership is for one year and I have to finish my whole one year to uh cancel my membership, it's anytime fitness anytime fitness


no no no they say I can only cancel my one year subscription if I'm leaving out of the country or uh if I have a medical reason, ya these are the only two ways I can cancel my membership if not I cannot just I can't just cancel my membership anyhow they saying that you


I I thought it was too expensive honestly I didn't know about the active SG uh gym before I sign up for anytime fitness how uh active SG gym is actually very good it's very cheap, compared to any private gym out there but ya ya the cheapest in singapore ya they they have this uh hundred and twenty dollars for six months you have to pay hundred and twenty dollars for six months and you can go every single day


ya, (mmhmm), uh yes yes yes yes yes yes


ya, also now also now because of the COVID right you can only uh book specific slots you can't just go whenever you want ya and then they only let and then they only let you inside for one hour thirty minutes


ya ya, ya why not you can stay in for one hour thirty minutes and then sometimes if the slot gets booked out then you can't go also, ya, ya, but their problem for anytime fitness you can go is twenty four hours open you can go anytime you want it's there but then it's just way more expensive


ya but they actually I think that they have a lot of branches, ya ya ya ya


, ya, oh you're going for anytime fitness also, oh okay okay okay


okay okay okay, alright


actually actually actually no actually all the products I've ordered online most of them, uh you know delivered on time properly so I don't really have much of a problem when it comes to, uh online shopping


(mmhmm), (mmhmm)


(mmhmm) (mmhmm) (mmhmm) (mmhmm)


oh what happen oh it got delivered broken I mean it was was broken when it was delivered oh


ya, cried in a movie ya I cried when ironman died


I cried when ironman died in end game, ya I'm a huge ironman fan boy ya how about you, mufasa lion king ya


(mmhmm) (mmhmm), (mmhmm)


ya ya ya ya ya ya ya ya ya, ya hans zimmer is awesome ya, ya, ya ya, I cried for ironman because ironman the character ironman actually I had a made a lot of influence in my life I took mechanical engineering because I was inspired by ironman


ya ya like I got into I got into cars I got into uh all this mechanical stuff I got into electrical stuff because of ironman it was very nice you know even though even though in the movie it's just CGI or just graphics you know it looks really really good you know when it can make it in real life


no ya yes ya ya even you know you know the jarvis AI part, ya it's also really cool ya, so you know a character which has a lot of influences in your life when you see him die even if even though it's in the screen you feel a lot of sadness right because you sort of can relate to him you know ya so I was very sad


ya, (mmhmm) (mmhmm), (mmhmm), ya (mmhmm) (mmhmm)


(mmhmm) (mmhmm) understand ya


(mmhmm)


(mmhmm) (mmhmm) (mmhmm) (mmhmm), (mmhmm) that's a big right okay,


(mmhmm), (mmhmm) (mmhmm), (mmhmm) (mmhmm) ya


I think you can relate to the simba character because the lion king is a father and son character, yes yes, , that's nice


actually have you seen the movie forrest gump, you've seen the movie forrest gump right it's very good movie actually, ya it's ya it's it's actually about how this man who can't who was who was born without you know with the disability of not being able to walk he became a runner


he became an athlete he was in the army he was a national table tennis champion you know he did a lot of things ya and at the end he also became a successful entrepreneur, so it' a big grew up it's a big journey you know it's the movie is very nice uh tom hanks right ya the movie was uh tom hanks ya it's a very good movie ya


the younger generation, uh, I think they are I think okay I think, social media plays a vital role in all in all our lives not just younger generation but even our generation I I I'm starting to feel like social media is becoming more toxic day by day it just becoming really really uh toxic environment that's like I'm I'm trying to quit social media but I can't you know because you know ya


yes ya because you know all our friends are there you know it's very easy to contact but then at the same time certain stuff is a bit uh how do I say you know you know when you you don't post a photos which you like you post the photos which you think other people will like


you get me ya, (mmhmm), (mmhmm) (mmhmm) (mmhmm)


ya exactly ya exactly ya actually if, okay actually if you are if you are just meant for sharing photos if there was no like but I think it it wouldn't be as toxic as it is right now you know


ya, yes, okay ya that's also true that's also true ya,


ya actually social media is making people no unsocial than social bringing people being not not social than social is like, you know when you walk on you know when you go in trains or when you go in public areas people are just you know stuck in your phone you know social is basically being able to communicate with the person beside you or connect with the person beside you when you can't even do that how is it even being social


ya, ya ya ya


positive product review <P2>navel</P2> recently I told you I bought a mac right, ya I did I did I did I did ya it's good actually I actually I wanted a different experience from windows so I just wanted to buy I wanted to see how it is I've never used a mac in my life before so I just wanted to see how it is


and it's pretty good it's actually pretty good the good thing is I can run both windows and mac OS in this, no no no no bluestacks is for running android and windows actually ya ya ya is ya this is called boot camp the boot camp is actually inbuilt in the mac


I just have to go to windows uh websites just download the windows it's free you can download windows for free it's a five GB file can just download windows directly from the windows website for free and then just run boot camp it's completely free, ya


to mac ya and it's a good experience yes yes and it's a good experience ya ya when it comes to productivity I think mac OS is better even the software I mean the mac OS is more appealing it's more nicer to use it's more nicer to look


it's more gentle to the eyes, ya ya ya, how about you windows using the windows, ya (mmhmm) (mmhmm) (mmhmm)


(mmhmm) (mmhmm), (mmhmm) yes I still remember one of those yes I don't remember one of those yes yes yes yes yes yes yes


ya ya, (mmhmm) (mmhmm) (mmhmm)


ya actually windows actually windows is a better gaming experience than mac windows when it ya so like for gaming we know is very good, ya because yes for more for coding and stuff you know for video editing is good ya ya uh windows has better I think capability uh no compatibility of like uh different software because like you see I'm a engineering student so if you want to run like


uh softwares like uh solidworks which is by microsoft solidworks is uh uh solidworks is a software which is used for drafting all the designs and all stuff which which is by microsoft I can only use it in uh uh windows, you can't use it in mac so when it comes to compatibility I think windows is better


ya, have that ya, yes yes true true yes yes ya but but then like I can run windows in mac so it's, still you know still still fine ya


ya, (mmhmm)


(mmhmm), (mmhmm) (mmhmm) (mmhmm)


yes yes, (mmhmm)


ya actually actually for that that's I think that's because apple is more confined to its uh ecosystem you know, the apple ecosystem they is like is like the apple ecosystem is like a rabbit hole it's a hole which keeps going once you're inside you just keep going all the way inside like like now I have a mac now I have now that I have a mac is like it's forcing myself to get a new iphone


and when I get my iphone like if I want to buy a watch watch or like apple watch is the best watch you can buy you know so and then and then you you I will just like you're just so pull into the ecosystem that it's really hard to grow out of it if you buy a single product and then it was just so pulling into the eco


system it's very hard to get very hard to get outside, so ya even even recently apple came up with this uh apple card for banking so it's another it's another trap for you to you know get inside the apple ecosystem it's very hard because like even uh all your all your calendar


all your email everything is just very is like very organised very set up in the icloud and the macbook you know so when when when when I'm moving from this then this ecosystem to uh to another one is very hard to you have to take all the data out and then put inside the new one it is very hectic


so once you get inside here you will stay here you won't go outside I'm that's for sure ya I told it's it's actually pretty good enough, I would say it's uh the hardware is good sixteen GB RAM is is is is as good as any windows laptop all the uh outside when it comes to


hardware so around fine , (mmhmm) yes (mmhmm)


(mmhmm) yes yes yes, (mmhmm), yes I remember too ya ya ya ya ya ya ya ya I remember ya


(mmhmm) (mmhmm) ya, they last apple devices last for a long time actually, ya, have you seen have you seen those have you seen those image I saw this image recently like uh there's this college uh lecture going on and then uh it's uh


it's a photo of all the students like more than ninety percent of the students are using a macbook you know the old macbook with the glowing apple symbol outside, ya ya ya it's like a it's like ninety percent of the people students over there are using a macbook is like even a survey was even even if there was a survey okay so it's like out of the hundreds uh there were around two thousand people surveyed two thousand students university students who were survey


and then out of its thirty percent were using windows and prefer windows, but the remaining seventy percent uh prefer mac OS, but out of the seventy percent only fifty cent own mac the remaining twenty percent own windows and they prefer mac


ya cause I mean like ya ya it's like it's just marketing man apple is just very good at marketing you know the the the did the product by itself is an advertisement, because it looks so good it's like, you know it'd be you know you know I saw this is uh recently I saw a few uh secondary school students going okay we're walking pass they are wearing the same shoe they're wearing the same clothes they are wearing exactly the same thing they were eating the same thing it's like


people it's more secure to do when a secure to do what other people are doing so it's like when when uh mac is already available for everyone everybody you know it's more easy to just get the mac and go, right you know you get what I'm trying to say


yes ya ya somewhat like that ya ya ya ya, ya ya, I actually you know you know tesla don't have any advertisement have you seen have you seen a single advertisement for tesla


if there is no advertisement for tesla tesla had tesla spend zero dollars for their advertising, ya the product by itself is an advertisement the CEO elon musk he himself is an advertisement for the, company you know ya it's very famous and all stuff the things he's doing so ya


when the product becomes really good the product by itself becomes an advertisement for the company, ya that's what I think, ya, what do you think about electric cars talking about tesla what do you think about electric cars


(mmhmm), (mmhmm) (mmhmm)


yes yes yes yes yes, yes, yes ya, (mmhmm) yes yes correct


yes yes agreed, actually actually I'm also uh I'm also a huge fan of cars okay so it's like you know know the know the know the sound of the engine revving it's like you know the exhaust sound


you know it's all very nice it's all very nice, but electric cars is basically more better for the environment you know ya, you know you know you can hear a lamborghini walk you know like going pass like with all the exhaust and then like you know you should choose but then a electric car at the end of the day is more better for the environment actually even electric car is very fast now the acceleration for all these teslas and all is zero to hundred in less than


two seconds it's very very very impressive even their range is very impressive ya, ya, I have actually made a blog a whole blog about tesla cars I think I send the link, to you also ya ya ya ya teslas are very impressive ya ya


ya (mmhmm), (mmhmm), (mmhmm)


(mmhmm) (mmhmm) (mmhmm) okay okay okay (mmhmm) (mmhmm) (mmhmm)


(mmhmm) (mmhmm), okay okay, okay


ya ya ya ya okay okay ya okay


okay, okay


okay, (mmhmm), (mmhmm)


(mmhmm) (mmhmm), (mmhmm) (mmhmm) (mmhmm) (mmhmm)


(mmhmm) (mmhmm), eight eight people (mmhmm), nope nope


ya, oh okay okay that's okay that's actually very cheap okay, ya ya ya


(mmhmm) (mmhmm) (mmhmm) (mmhmm), (mmhmm) (mmhmm), typical hour okay, , okay okay


okay okay okay okay


okay ya, nice okay where is this where is this place in Bali is this place in Bali oh nice


you know you're actually I you know you like you know you're advertising for the place know you yourself advertising those see I told you right a good product will you know a good the product by itself is an advertisement, ya


(mmhmm), (mmhmm) yes, they are actually cheap and good at the same time ya, ya since they're actually is the actually since the family is joining it it's uh it it was also more like a homemade stuff so it can also be healthier


(mmhmm) (mmhmm) (mmhmm) (mmhmm), (mmhmm) what did you have that day do you remember what you had the day or was it very long ago to remember, ya okay okay okay oh okay okay (mmhmm)


ya south east asian pineapple fried rice is always very nice and it comes to thai thai or indonesian this you know their curry is also a lot usually a lot of they add a lot of coconut, there the root they add a lot of coconut ya it's actually a good flavour, ya


ya, ya I ya uh, okay recently I went to hit the himalayas, like I told you right the himalayan regions ya himalayan regions I do last year december so


okay it was actually it was very actually very refreshing it was a very refreshing experience is very nice so uh we went we went okay fine not exactly the himalaya it's not like mount everest or anything it just like a the hilly regions of india the uh himalayas okay it's called #himachal pradesh# the whole state is called #himachal pradesh#


so basically we spent five days there uh, so there's a the lower part of the mountain is called the higher part of the mountain is called Manali okay so the low uh in the lower part the temperature was around was around uh, five to ten degrees and then the upper part all the way went to minor sixty it was straight out cold you cannot go out you cannot even in your house even in the even in the uh hotel which I was staying you have to wear socks and go around


the heater stop working the central heater stop working so the owner had to give us this, uh transportable uh, heaters portable ones but the place was amazing it looks really really really beautiful it's really really nice so you know it was really refreshing experience


you know when we see all this kind of like I see uh you know all these mountains in the movies you know if it feels very nice but then when you go there is even more better, experience is definitely the better experience you know very refreshing and all it's very nice I should definitely go there once, ya it is also pretty cheap ya the whole the whole the whole trip everything together costs around two thousand singapore dollars


the whole trip, the whole trip together ya I'm not including the the flight tag the flight prices anyway so it's just like the whole trip the hotels over there the driver was with us the whole time the food the, everything everything together all the tickets everything together was around two thousand dollars singapore so which is actually pretty cheap on the sign same time was very nice it was worth it


ya ya ya ya (mmhmm), (mmhmm) (mmhmm) (mmhmm), okay okay okay


(mmhmm), okay okay okay okay (mmhmm)


(mmhmm) (mmhmm) (mmhmm) (mmhmm) (mmhmm), (mmhmm) (mmhmm) (mmhmm), (mmhmm) ya ya ya, ya I had to say I I actually had the same experience my mum was really really shivering so we had to buy the gloves when we get there so the uh we went to a it's a small shop it's a small shop you know the roads uh you know the roadside shops in india the small ones so they the we went inside all the four of us were really shivering was really cold


the person the person knew that we're definitely going to buy the gloves no matter what, so he increased the price of the gloves by ten times, but we still have to buy it, so it's like you know this kind of stuff happens and you know all kind of places you know because it's like you know when the place is not really established all this kind of stuff happens but


ya ya, it's very nice it's a very nice experience, it's not it's not it's not that's why it's not really in some uh it's the mountain, region but it's not really the mountain we didn't go trekking or anything


ya, yes ya it's in the village area ya ya they have a they have a uh not a city but a town you can say it's a town a town area in the mountain, ya, since you know there's a lot of tourists so all the roads that are already being built so it's not like a trekking experience we went by car from one place to another


ya ya, understood ya ya ya, (mmhmm) (mmhmm) ya


eh recently I saw this youtube advertisement of dyson, you know I've always thought why is the dyson so expensive there's no point of buying all this uh home appliances with so much of a high price but then I actually saw this youtube video they actually show how their engineering part of the home appliances work it's very very impressive is very very uh uh impressive


so actually they that okay so there's this effect okay so it's like uh when air travels on a curved surface it tends to bend around the curve surface so they use this so they use this in the at uh


uh you know the near the her curl you know the you know girls like to curl their hair right so they have this stuff to curl their hair okay so it's you just have to you have to pull the thing on your hair and then starts curling by itself, so if they they use the effect to uh to let the air move on the sides so it can start bending it so it's a it's a lot of scientific and all physics stuff going inside there but then like the amount of quality and the time and the precision they put inside the appliances is worth the money


ya ya, it it cost several of hundreds of dollars is like uh the why the air purifier costs thousands of dollars that hair dryers cost hundreds of dollars, you know you know when we see the when we see the price tag and then we see the appliances is like always like is not even related but then ya the engineering part of the product is actually a lot they are they are actually spent a lot of money and a lot of innovation a lot of time a lot of manpower also you know into all kind of products so it's very impressive ya


(mmhmm) (mmhmm) (mmhmm) , okay


(mmhmm), okay actually dyson is is actually a bit successful because they only reaching out to the


ya ya ya they are they the products are basically for the rich ya, the the ones who can afford the products, ya


part one finance okay


(mmhmm)


retiring women reminds me of old age , having fun and just retiring with lots of savings and no debts but since, so I'm nineteen I don't really think about retirement ya cause


what I, have in mind is to have a stable job, uh stable savings and also to start building a family, ya, so for retirement


uh I don't really think about it so what I planned for finance is to actually to start having a savings insurance, so as to secure or to have a safety net just like in case anything happens to me


you know like for example I have accident, or I have uh , unfortunate thing happens to me lah, so I would want to start, to have a insurance savings plans in order to secure my future


ya I think it's a great it's a great plan you know so it actually forces me to save money for the future, so that I don't spend like uh I don't spend too much, you know, so okay, moving on uh I want to ask you one question


so since you are really experienced in this insurance uh topic, (uh huh) (mmhmm) ya


okay and you're already twenty-nine you have a lot of experience in life okay not really a lot but, uh what is one financial advice that you would tell yourself five, years ago or when you were at my age like what would you do differently, in fact to ensure that you have a stable saving


so do you recommend, sorry okay continue first, okay so do you recommend like for me to have a savings plan first or to have a health insurance plan


your turn to ask me a question, okay


how good you mean how much I spend like


I would say six point five to seven, ya cause cause, ya cause, generally because since I'm having my internship, now right so I kind of have like a monthly income source of income ya


so from, what I know I generally follow a rule of thumb of the fifty twenty and thirty the elizabeth's rule of thumb of saving so fifty percent is where I pay my bills like


my phone bills like groceries my expenses ah uh and then for, twenty percent is for my savings, every month whereas the other thirty percent is for my expenses like what I want to buy


ya, ya shopping basically


cause I don't really have much self, ya ya but sometimes I, I don't really have much self-control and I tend to spend a bit more


ya okay actually when I already planned to have a credit card, ya, when ya no , no cause, not once I have a stable job I have a steady source of income I actually plan to have a credit card so because from what I know is firstly is to increase my credit score


so in the future uh where I have to like purchase a house or I want to buy a car it will be easier for me to get a loan because they will know that I have access in borrowing money, ya so but the thing is I have to be I know I have to be disciplined in paying the full amount every month so meaning every month I cannot just pay the bare minimum or would if not incurred incur interest will incur


okay so for you right since I am still young so I want to travel so I would want your advice ya so what would you advise like someone, like how do you , how to strategize in planning money for a big vacation coming up


you know ya, how do I save for vacation basically


actually, ya, actually I don't really know I'm not sure about income tax, I know but I know every month I mean every, year at the end of each year adults have to uh working adults have to pay


uh certain amount of percentage of their salary to the government right, ya or IRAS


charity don't need but so, so whenever you donate you have to submit a form to the government or


okay now is my turn so uh what advice would you give someone uh to get him or her out of a debt


uh it kind of makes sense but also if you were to pay the first debt only then what about the, second debt second and third debt that are being left hanging you know wouldn't they


the interest and not paying the principal, so basically you have to pay the interest in order to get the bad debt moving lah


they're paying the interests and the principal


singaporeans a secured future, I would say so, ya, in terms of housing, so that we are, being forced to actually set aside money


in order to buy a house, in singapore because we know housing in singapore the houses in singapore are actually very expensive


okay moving on , so how do you since you are married, right so how do you manage your financial your finance uh after marriage is there like any difference before and after marriage


okay I see


okay (mm) what the


negative part three negative experience


ya then it was so sad ah


everything was already planned out


and we couldn't even get a refund


ya and we already packed our luggage everything was ready everyone's getting ready and then a few minutes later we got the advisory ya, we've got the advisory that what uh, we singaporeans are not allowed to travel or


something like that ya


actually, ya actually I recently experienced a negative uh negative experience uh regards to, food and beverage ya ya so


cause my friend and I we wanted to eat spaghetti you know, so we were searching out for like nice Halal spaghetti in singapore so there was this one popular blog spot and and this was number one in their list, I'm not I'm not I'm not sure if I can say what restaurant it is but I I'll just say it


uh it's called Cucina , it's called Cucina ya, have you heard of Cucina ya, exactly oh my gosh don't ever eat there , Halal Halal ah ya Halal food travel Halal food travel ya ya it's that ya


is that I searched it up online ya and then I was like oh okay because I saw like a lot of popular malay celebrities were like promoting it like even like #nurul aini# then then I went to their food reviews there were like a lot of good reviews sound like oh okay then we need to try this


so we went there and then it was actually relatively quiet, ya, so there wasn't really a lot of people, then we made a reservation and, uh it's at kinex, kinex is at Geylang there it used to be one KM mall


ya used to be one KM mall, ya used to be one KM mall lah, but they changed to kinex ya, ya and then so we, we ordered , food that is like chef recommended or like people said that you should you guys should order this so we ordered this


ya ya ya, ya so I ordered, the aglio olio and then I ordered , which is chef recommended by the way then I ordered this pizza it's not really a pizza lah is called la barca


so la barca consists of like like truffle cheesy filling you know it's like pizza like very cheesy like when you pull it is like that, turkish what I'm not sure what is that it's like


it's not really pizza it's like bread you know is bread then like inside got cheese filling got truffle ya, then like I was like we were so excited to eat it because like okay the la barca looks not bad like the food looks not bad there uh, uh the presentation of the food then once we ate it like oh my god it was horrible like the spaghetti was super cold which I don't think spaghetti's supposed be cold anyways


, and then like my friend ya and my friend ordered, uh pesto pesto uh ya, and then the green coloured spaghetti so then uh, when we first took our first bite both of us looked at each other we were like what are we


eating seriously then we ya then, we ordered soup of the day then soup of the day it costs like thirty bucks, so the aglio olio for me I felt like eating at pastamania is so much better so much more worth it and it's like


thrice is the price of a pastamania aglio olio, it tastes like, it's literally it's literally tasteless, and then ya ya then I could what I think they put peanuts or something then I only tasted peanut and I didn't even taste cause aglio olio is usually


ya usually I'm not sure if it's, peanut lah but it tasted like peanut to me because usually aglio olio is more to like what garlic and oil right, you know ah olive oil ya, like that is like those main ingredients starred ingredients but I didn't even taste any of that in the aglio olio and the aglio olio I think


cost about like thirty bucks for one plate, and then it was like the portion was, also like quite small ya, then that my friend's pesto was horrible it tasted it was cold also and it tasted like


some medicine shop, it was like oh my god what are we eating are we eating medicine or what ya and then we ordered the soup of the day it was like seafood soup, then consists of like mussels clams, fish and is also I think cost thirty dollar also ya then we


when we were so hungry what so it was our appetizer the soup of the day then once we took our first sip we were like my god it, it's like we were like this is the first time tasting something like this like what is this like , maybe cause I have never tried it before and it supposed to taste like that


the the customer, service it was okay I wouldn't say great, it's just like it's like ya, ya it was still like it's like a normal customer service you know there's nothing much to say, was the food


and the high expectations, ya, no didn't like we just couldn't be bothered so we went off , ya , ya and the soup was really horrible it was like super tasteless and we only could taste like herbs


like , and I wouldn't say the herbs is strong it's just like one kind of herbs I would say like rosemary ya then the it was super flat lah the taste and then we ordered the la barca the la barca is like the one of the most popular items , and it was okay lah it's not bad I think that's the only thing that is like acceptable there then for like for four simple dish four like


dishes that are like small portion all and then it cost us like hundred and thirty dollars, so and the food was just unsatisfying lah I don't think I don't think the price makes up for the food like it's not worth it, so I was super disappointed lah


might live without bubble tea ah, I think skincare cause I don't really drink bubble tea , how I'll ask you I'll ask you so like what is, what is one skincare brand, or what's one skincare item that you would personally avoid and why


I've tried the moisturiser before, only the moisturizer


(mmhmm)


since you had a negative experience right so how would you like advise other people not to use the product like how will you caution them


maybe it's not suitable for your skin lah your skin sensitive, okay moving on


you want do you want to ask me any questions, or uh, the same question like what skincare I would personally avoid, for me for skin for my face skin the one I would personally avoid is the St. Ives scrub


, the St. Ives scrub you know the apricots scrub that is it yes that is literally the worst thing that you can put on your face because that is like rubbing sandpaper on your face because


uh, uh according to like skin specialist right because I follow a lot of like their social media accounts and then sometimes they would like post uh why what why is it bad what's wrong with this product what is wrong with this ingredient what it does the benefits


so a lot a lot of skin specialist has actually said that St. Ives, uh, scrub is actually not good for your skin because it, is very harsh you know it you can use you can feel it what it's really very harsh on your skin and then it actually can cause microtears in your skin


ya because and when you when it causes microtears in your skin right and then bacteria can be easily absorbed into your skin and it'll cause like more pimples more breakouts ya and then it and then you can get hyperpigmentation from it which is actually quite difficult so that's why for your face


is uh, preferably to use chemical exfoliation instead of uh physical exfoliation ya, so I actually told my friends and a lot of my family members not to use this product because it uh if I'm not, wrong they actually had a lawsuit


uh lawsuit ya lawsuit used against them ya because uh this I think this few, women they complained that this actually caused microtears in their skin, ya, so I would personally recommend


uh my friends and my close, close friends and family members to uh use chemical exfoliation instead of this St. Ives scrub so St. Ives scrub think you can use on other parts of your body lah instead of your face


up to individual's preference lah, like how you like organic or how, ya,


how about bubble tea since you like bubble tea right what's your least favourite bubble tea brand, , you don't have the least favourite , what's one bubble tea you will never buy


my least favourite I cannot think of anything right now but ya same as you I don't like bitter things I don't like when I drink bubble tea I want it to be sweet ya so


, ya so like what


ya same actually actually when you are buying bubble tea right does the design of the cup influence you, it does ah, ya it's very ugly