identification or something on on the app itself so I didn't have to actually, I didn't even have to actually scan anything or whatever I can just take a picture and then they just approved me for for the thing so it's actually really convenient for me and it was really easy to switch over from one telco to another


so I mean ya I mean I'm not I'm not trying to you know trying to promote Giga or whatever but I think Giga is pretty pretty ya is pretty good


ah yes yes I, ya ya I I was like for the first time in my life I can see uh there's seventy gigabytes left, I'm like !whoa! I'm like oh that's ya exactly


ya it's really really good and uh, ya and considering that uh now there's a lot of no contract uh plans right so not just Giga circles life there's still a lot more other things like I think gomo and then there was a new one called TPG right the ya all these there's so many options where you don't have


to uh lock your uh like have to pay maybe two two years of your for for your phone, you know ya because my my sister actually wanted to have these no contract plan but unfortunately she still has her line is still under my father which is I think has another one not one year but about there of a contract left and


it would be so expensive to just switch over so it's I I would say that I think no contract is more beneficial if you are more of a you know more month to month person you know what what what do you think like do you have uh any any thoughts on this


okay


yes from mine is twenty one something ya


part one finance, okay err, okay uh, my name is so I do have a savings account and uh I have a savings account with uh DBS and OCBC


uh do you have savings account


oh uh when the uh tech uh did you have uh I mean when did you create your uh standard chartered account


uh okay, ah understandable uh well I created mine when back when uh I I I had to get uh I I have to get a job it's uh I mean when I was moving onto the the corporate world I have to


move on from the children's account which didn't provide any benefits so when I apply for the DBS one it gave me uh more flexibility and uh I was able to use the account to pay like for overseas uh stuff from overseas and stuff like that, okay uh do you have a credit card


uh oh I do not have a credit card cause of personal


experiences in the past with my families andwith credit cards and then we decided that we no one should get the credit card so we just never got a credit card, ya uh but, uh but I want to get credit card sooner or later lah so because I uh sooner or later because I have to


uh use a credit card, for purchasing of like computers and like uh for phones because I think that's uh installment payment is really good for those uh, those expensive expensive uh objects that need uh for your daily life ya


and uh, I mean, but the thing as uh what I want to talk about is that uh another thing which I want to ask is that uh do you think couples should have uh shared uh shared accounts in a sense so that you know if one person can use the other person's account and stuff like that


I think is I think at the end of the day that is I think it's fair but uh also when there is a lot of like when someone spends on something unnecessary in the joint savings account or something I think it'll cause a lot of problems in the , in the relationship so I think there should be a level of trust between each other before they can have uh uh combined finances and have a joint joint joint account


and then ya that's that's I mean the joint account it's a very big step in uh I mean last time it has to be like oh buying a house or something I think joint account now is the biggest step to in a relationship nowadays ya


agree , I think there should also be like uh like there's a level of commitment that comes with a joint checking account is that they have to uh they have to by eh they they have to be able to like oh they have to be able to not be tempted to take out the money when


see it rise so they they stay on for their future for like in the future stuff in case of emergencies and stuff like that so probably it's to can save up for a new car a new house or, err ya and then they'll make it better to for them to work towards a singular goal instead of uh having to uh split split either way


I think there's uh I mean in a way that's it's technically diversifying your diversifying your uh is technically investment because diversified the diversification of investment lah, ya uh


, ah yes it's it's uh of course definitely it's another way to hold their money but like the one thing there's uh that I want to talk about is do you know about err do you know about like in do you do any like I said I


if you if you have a high yield bank account right how would you go about uh thinking doing it because I've uh recently was at DBS and then they said that uh they have this particular bank account where you can use it to invest


and then you can use it and then you can have bankers in in DBS investing it as well so that's what I was I was thinking about getting one but then I realised that there's a minimum monthly and then the minimum monthly expenditure and then all those is it seems like very


big hurdles that big unnecessary hurdles that needed that needs to be cross for no reason at all, right do you feel that way


I mean I see it keeps I mean is like a high yield it's basically like uh it's like a long term investment right is like there's a there are stuff like there are stuff like fixed deposit accounts which give you a lot of a lot of a lot of return and then there're stuff like uh


theres stuff like investment uh investment uh funds where you put in the money and then they will give you some they will you put you pay them every year and then at the end of few more years they will give back a return, as basically bonds but uh ya they're sort there's things like that so that's uh I find that a high yield bank account is really good for uh people who are young cause they can they're able to save up and then they are able to develop uh


a valve over over time and they can get more uh uh they can they're able to, ya definitely for,


working adults it's very important definitely and uh ya I I mean I don't do a high yield banking account in singapore cause the yield it's quite like two percent uh three percent-ish, the maximum you can get is two point four uh but in india you can get like uh eleven twelve percent for your uh high bank or bank the amount of money you put in so is is much the it's much better to invest in india but then again that there's a lot of uh issues that come with investing in india cause there's a lot of uh


there's a lot of like diplomatic and uh, dipolomatic and financial hurdles that you have to pass over and then there's also the rule of the immigration and stuff like that, ya and then but


if you have kids right would you what what age would you give them an ATM card


I think there's a I I'll say to a certain age that you will actually give kids a like a ATM card will be around sixteen maybe after they finish their O levels or N levels or something like that because at the end of the day up until that point the kids should be


should not be like really be working and then they should be focusing more on their studies and trying to improve to where they go in uh, maybe to JC or poly and after that maybe like when the kids start working that's when you give them your that's that's when you give them uh like uh uh a ATM card so that they can track their own


own savings and stuff but there's another uh there's another thing that it's when a child is born as singapore in singapore we have a baby bonus accounts, uh which you have to meet which you put in money the government pays uh the exact amount back to put inside so you put in two thousand dollars the government gives back two thousand dollars and then that saves up for their child's future into like it it can be used for post secondary education and stuff and things like that


and I feel that that what that especially, will be is really good for kid uh children so they can parents can better manage when the kids goes goes into like uh a polytechnic or a JC uh so it's definitely more helpful for the parents when they are when the kids are younger


I mean uh but the actual ATM card and uh bank account can should should only be given around sixteen so the kids can like the kids will be more mature to manage to manage their finances and stuff uh stuff like that


but uh definitely speaking the like but even then right I feel like getting the child uh, a full bank account instead of a child's bank account would be slightly better for their for their in the in the long run given child's bank accounts uh usually have no uh


no no added bonuses they only have like they they have no rebates they don't have any uh, they don't have any fiscal means they are only there to oh save up for the child so the child can put in like two dollars three dollars to increase their uh so called savings uh so it's better for their child to have like a like a more permanent long term account ya


what what's your thoughts on miles like uh flyer miles and stuff like that, ya ya


okay


, I think cash cashback uh it's I think it's cashback it's pretty good given that like there's an app called cashback so then maybe should do online shopping and uh and uh, and the the app gives you a percentage of the money back like a very small percentage so if you spend like two uh like ten dollars it can give me like twenty thirty cents back I think that kind of like


small a small uh return gives you a sense of uh sense of I mean I don't know I've ya, it's sense of like oh I saved money instead of actually spending so much so the consumer actually spend more, in the future and so and so forth it's like uh ya but the cash the points I mean like okay ah okay ah the thing is uh for like let's say if you go to NTUC and then use to have a NTUC card and then you have a and then they use NTUC points right


ya passion no it's not passion card is NTUC some thing uh member NTUC member card, uh NTUC plus there you go, uh when you do that when you have and then so it's better for them because they get they can earn hundred and fifty points and they can get like two dollars off or one dollar off something like that and they also get like different bonuses over the on the app on the phone app so I think is pretty uh pretty good for the


for points miles wise I think is that too many uh I mean it's like a it's only it's really only useful for people who fly a lot, like people who only take vacations maybe like once every year or twice every uh don't really get to use the full extent


I mean I think uh they said that I mean SIA said that you can use your flyer's miles for your inflight food lah food uh but at the end of the day, but why would he do that that's the point in spending eight hundred and eighty four thousand flyer miles just to eat food in a airplane that's landed on the ground


I think


what other like I mean it's like there's another thing that I was looking at the other day I was look as I said earlier I was looking into getting a credit card sooner or later and then since you own a credit card could you tell me what kind of credit cards do people actually be getting so that it will be helpful for me


oh ya that's said I I want to get a credit I want to get a credit card to buy to my uh I want to uh get a new phone later uh later in the year I also would like to get a computer a new computer which also later in the year so which both I need to get a credit card because I think credit card in the long term will be


you know not even in the long term even in the short term as all a credit card would be so much better, okay so short term as in uh because at the end okay there's this uh particular video that I saw is that uh you don't really use a credit card to like max out immediately but then


get suffer from the longer uh first of suffer I think is more towards uh you spend it for the time being because you can't really afford that particular product or service and then, and then on the shorter term is better because you get the product immediately on the long term is also better because you can pay it back month by month instead of trying instead of like uh paying it all at once and then being uh short on cash or sold on short on uh your finance


ya is is I mean I I find that I was doing research on credit cards and then realised that uh even there's a there's a specific income threshold right it's like uh you have to like have thirty thousand dollars a year to get a credit card


and then most most banks do that and then I think that's a lot of like different trash uh different companies different banks that offer different credit cards like AMEX is is the most like priced like people with if you have an AMEX card people will be like oh my god you have an AMEX card uh and then if you have and then if you have like


if you have like DBS standard chartered UOB uh POSB all those uh people will be like oh there's nothing because there's there's a I find it like even for your credit card there's also a stigma surrounding it eh I don't think it's necessary, I think AMEX AMEX to be honest to be honest to get a AMEX card is the same thing as to get a DBS card there's not much difference to that because the AMEX card is only it has like uh what AMEX card is


uh it's it's the same things thirty thousand dollars a month it's not it's not anything more than that is around that same thing, ya I think I think that's about it ya I mean the the like I mean if there was anything else I'm not sure


negative experience, alright


uh one negative okay talking about negative positive experiences sorry uh but let's talk about negative experience one of the most negative experience I've ever had right was once when I was uh in india me me and my family we went on this uh


sort of a sort of a, like a tour like a short tour so what they will do is because my family is very religious so my parents they signed up for this uh like a like a tour they they go to different like temples


uh as we're going to like some uh as we're returning from the temples right one of the temples was that , what happened was that the they stopped at this uh like a like a small restaurant on the side of the road right so me and my family was like okay because it was quite late at night it was like eleven PM so we were all very very hungry


so we decided to eat at a I mean everybody had to eat at the restaurants so when we were eating the food tasted horrible, and uh it was it was beyond like beyond anything like it was just it was so bad that uh I couldn't I couldn't stomach eating more than like three bites and and the price was very exorbitant like very exorbitant as well


like there was it was very high price and then there was this it was just a huge waste of uh, money and everything and I find that to be pretty scammy in a sense like did you have any bad experiences like that


cause it I mean it's not, I mean it wasn't your mistake right, it wasn't your mistake right but you just paid extra for it, which I find that is, ya I find that's not fair on you definitely not fair on you cause I think the person should have heard like listen properly when the person when the customer is giving the order and when the customer when


they don't listen properly I think the its goes to say that you know is, is very is not


I've experienced bad service in a sense that uh once I mean I told you I told you before the the story from india, uh another place I experience really bad service was in in singapore there's generally good service that you don't really see bad uh bad services in singapore but uh the place that we receive services in


ah sorry so ya it didn't really experience bad service in singapore and then, the only really bad service that I experience in singapore was not from not from like any other I mean not from like phone uh not from like food places is actually from uh HP what what happen in the HP was that uh they had I had a went in there with a laptop problem


and I said to them that I have this problem with my laptop and I needed to fix it and they said that oh it's just a normal uh it's just a normal issue with the keyboard, and then they took in the laptop it took them four days and then they came back to me and they said that oh it's not a problem with the keyboard it's actually a problem with the motherboard and then I was pretty surprised because at that at that time I did not really I didn't really know how to fix laptop


computer by myself and then uh when so I just I went in there I ask her how much would it be to repair uh the motherboard they said that it was like half of the laptop's price so it's like the laptop is like what it's like a thousand three thousand five hundred and they said that the to repair the motherboard would be


it'll be seven hundred dollars I was I I was not gonna pay seven hundred dollars so what I did was I got the laptop I took the laptop back, I mean I told them to uh I told them to see if there's anything else they can do and then they said that oh uh we have to see and this was at the peak of my uh it is uh is during my finals on my first day of poly


uh I had no laptop with me so I told them eh uh can you guys try and fix it so I don't have to suffer so much so, they they they again like a few days later they came back they even greeted reply me immediately they take like one day to reply emails, and after all that they will like oh here's here's your laptop uh we couldn't fix it so I went back home I open that laptop up uh I realised that the the screen connector


was uh was was not disconnected so I connected it back properly I check the keyboard connector one of the pins was bent, so I just uh I just, fixed the pin and plugged it back in the laptop's working normally


and it it shows to the extent that they they are not they are just being uh I wouldn't say it's not being easy I think they're being they're being very uh, fastidious it is just jumping into conclusions it is like oh oh uh this if this is not working this must be the issue


instead of trying to actually see what's the issue and trying to fix the problem instead of trying to charge the customer for like hundreds and hundreds of dollars to get the laptop fixed to which is very which is necessity in their lives and I find that pretty it's it's scummy in a sense ya


so that's the that's the one of the biggest negative experiences I've had with HP that's why I'll never buy a HP laptop again ya, what about


ya definitely, uh I mean ya one of the there was this once that I bought uh was a brand new phone from starhub like years ago, uh I can't even remember what model the phone was but the moment we brought back brought it back home uh we check the phone and uh because it was a slide phone right


uh when we slept slide slid it open for the first time, the the whole thing just came off, and that was not supposed to happen like it was just a very brand new phone like it was brand like it we have just brought it home we slid it open and the whole thing just came in two pieces


and we were like how can how can this be how can this be like there's no there's so quality testing for, this kind this brand of phone and then we brought it back to the we brought it back to nokia eh not nokia sorry we brought it back to starhub uh what starhub did was oh ah we couldn't ah oh no what happened was that uh we told them what happened the phone just slid off and is the first time sliding


and they said that [orh] they couldn't replace it because its user caused and then I find that to be pretty that's not really good because they are like uh, they were saying oh you can't uh you can't be you can't do this you can't do that I mean at the end of the day I paid for I mean it was just


brand new it was we bought it on that day we went back home problem came up we brought it back and they couldn't replace it because it's a user caused user cause issue but, I don't think it's user cause it was like factory factory problem so what we should have done is we should tested the phone at the at starhub itself so that we didn't have to pay extra for the phone later on


and then they will just honestly be like oh okay uh your phone has a problem so we just fix it for you and they would have fixed it right then and there instead of trying to like instead of making the travel and then making us uh wait, a lot ya uh how about you do you know like do you use do you have anything like uh


do you have any negative experiences about regarding stuff I mean your items that get damaged before almost immediately after buying them


ya, that would be that's pretty heartbreaking that's actually very heartbreaking ya


ya ya, you look for customer reviews and stuff right, ya ya ya understand


I mean, ya one of the things that I had a bad experience was that there was this very expensive hair shampoo that I bought right so this was not those like a five like a couple of years ago uh it was quite expensive it was like uh it was like sixty dollars a bottle


alright so I I began using it but, uh it was supposed to be very because it was it came with the not only a doctor's recommendation a lot of other people recommended this as well so I read a lot of reviews online I was reading a lot of uh I did a lot of research that time


because you know I had I wanted to keep my hair so when, the I went to the doctors I got the recommendation on whether I should use that particular shampoo the doctor was telling yes it's a really good shampoo brand you really you should use it if you can so I got the shampoo, I tried it on it actually accelerated my hair fall


and I'm not sure as to which ingredient in it made it accelerate my hair fall because I got a doctor's confirmation and stuff I don't think it's a shitty product in my sense but in a sense that it didn't really work for me and I find that if I paid that much for


if I paid that much for shampoo right I I think that you should really really uh make sure that you get a tester kit or something like that before you actually uh purchase we spend a lot of money on the shampoo I had to give the shampoo to my sister or my mum uh my sister and my mum because they they are they are they would rather use it and it was better on their hair


and ya there was another thing that oh there's this particular uh skin cream called uh, dermazone which is for uh that was no not dermazone uh I forgot the name for it it's for burns that they put you on


uh on the on the on the box itself it said that it's not it doesn't trigger any allergies, but it's medicine so I mean I should have known so I put it on the burn and then immediately after putting it on the burn my entire arm had turned uh red and it started swelling


uh when that happened right and I was I was pretty uh was pretty shocked as to why that happened and I was very uh, I was very like oh I was I was like damn I was very like oh no how can this be helped how can this happen and I was in pain worse pain than I was before ya uh that's about it


how about you do you have any bad experience


ya I understand uh because it


ya ya ya definitely but the, I think it's not marketing I think you should generally do a lot of research the product that get marketed a lot right are not the ones that you should be really going for you should be going for uh products that are recommended by different uh


different uh like different like like they should do like blog, search and then look up like different healthcare products and stuff like that to actually uh see which one you want and then you can actually go for that particular product that's actually very effective for you instead of trying to buy products that are made that are just like highly advertised because those are are the usually the ones that are very


uh cheaply uh almost cheaply made because most of their product most of their money the the cost of the product goes towards advertisements, you should really look into ones that that are not as advertised and but more towards that are very , that are very like recommended by different posts and stuff like that and see which one let's say the most recommended by a lot of people and see you should go for that one


yes that's usually the best method to do it, uh another would be uh ya this really really benefit if you go for the ones that are really recommended to you like by other people, then like I mean I mean recommendations that go lah but go but at the end of the day is that uh some things that you can't change some things so like you know


they like big like you know like things that you can't change is that you know like singaporeans now really like bubble teas and then that happens right and then people usually go for the ones that are really uh like the ones that really advertise like uh


the ones that are really advertise the ones that are super popular are like Gong Cha uh LiHo and uh I uh, ya Gong Cha and LiHo and uh what's the other one, I mean those two are the super popular ones uh I mean also yes there's still there's Koi and others uh I think so that are really popular ones I find that


uh, all this leads to, I mean there's a lot of advertising that goes on behind the scenes where which leads to the leads to like leads to the increase in market share of these companies uh, because I if I'm not wrong uh like Koi has the largest market share over bubble tea uh in singapore at least


uh followed by LiHo followed by Gong Cha uh, I find that this market share thing is like is very beneficial for, even if they don't provide that good of a service people would still go to these places because at the end of the day they find that comforting and they find it easy and they find the familiarity to be the what is what actually brings them there instead of the instead of whether the customer service is good or not whether the whether the company whether the the thing whether the


it taste good or not is more towards a familiarity of the place that brings people to this to these ya, alright what what about you


ya with regards to like market ya, ya (hmm)


(uh)


positive experience, okay , uh wanna know about okay so did you okay did you have any positive experience with a consumer product I mean any anything that you bought recently


okay so I'm thinking more like okay uh cause I bought I bought like I bought a I mean what I okay what I buy okay I bought a computer I bought a monitor recently


cause I needed a monitor for my family's uh other computer so when the when they were running I mean I had to buy the monitor because it was like it was it was an offer so I went to #sim lim# square and bought it it was like, hundred and fifty dollars and then the monitor once I mean they said that


I mean the person promised quite a lot of stuff and then and then uh quite a lot of things about the computer and then when we went back when we got back home we realised that the the monitor was just you know a standard monitor we could have just gotten a cheaper one but even then right the


my family found the monitor to be pretty good because they can it was more relaxing on the eyes and then it was so much better on their, on that because of the ambience settings they can lower it down to like something like, in a warmer or cooler setting so that it was much easier on my family's eyes and they they complain about less stress on the eyes


uh ya and then, ya and then yesterday I went to uh I went to buy some, I went to buy some food for my family at uh mcdonald's and then when I was at mcdonald's I asked I tried to talk to them about I mean I tried to like order my stuff at the


at the counter right instead of going to the counter I order my stuff at the the kiosk and then when I was ordering my my all my food at the kiosk, the I mean, due to COVID because of the because of COVID there's a spacing in between uh separate kiosk once so is there was three kiosks the


middle one will be uh middle one will be closed uh when in when that happened right uh I was like basically there was a crowd building up definitely I mean definitely there has to be a crowd building up uh


uh then when when the crowd is start building up and then they'll it caused a lot of uh issues I mean with issues as in it was a very problematic for, uh I mean I had to wait a longer time in line like a longer time in line a much longer time in line uh but I mean at the end of the day


is I mean I got the food I was happy so it's okay I guess


I think do you mean I mean talking about like good product and good services I think the best product that I have on me on with me right now would be my laptop I mean it has lasted me for more than, it has lasted me for more than five years is from is it's from lenovo but so I mean as long as I've used the laptop it has not failed me once and even if it failed it was so easily fixable that I could do it myself and I find that to be pretty


pretty good like it's because it's a five in in laptops aren't like known for lasting more than three four years but mine has lasted me five and then I find that to be really uh impressive on my side because a previous laptop that I had lasted me for two years and just broke down and just crashed


and uh when when something like that like uh when it's like five years is like a long time so I've been using it for all that while and then I'll be I'm not like I'm not a light user user per say I'm a very , I'm a very, uh very persistent and very high high end like a very


high key user because I continuously uh use my laptop my laptop was like mostly on and even then it hasn't failed me a a lot it has actually been really really useful for me uh and my studies and stuff


I mean speaking of Apple is that Apple I think their customer service is uh exceptional because uh, when my phone when my phone was dropped in the water like couple years back, I brought it to Apple and then they within moments they had fixed it they were like oh your phone is uh okay so you know what we have water damage uh what we can do is eh you can you pay this much amount and then you can come back after like three hours and then you just you just have a new phone


and then I did that I just paid the amount and then I came back after a few hours and they had my they had they have new phone with all my settings imported over cause the only thing that have failed on my phone was my screen, and so they just imported over all my settings all my data over to the new phone and I've I find that pretty impressive cause nothing was lost nothing really significant was lost and the only thing that was lost was uh


a lot of money on my wallet but other than that there was nothing uh that was lost, ya essentially ya the more and that like nothing was lost amount of money I'm like I didn't even drop my phone in singapore if I were to drop my phone in singapore I would have I mean


I would have repaired it almost immediately but I dropped my phone at overseas and overseas it was ya I dropped my phone on like overseas in uh actually was, it was, uh I think it was


it was Batam that I drop my phone in the water and then I couldn't my sis my it was just it was just a horrible experience cause I couldn't use my phone for three days, ya, I mean three days is a long time uh


in especially overseas is it's horrible ya, I mean there's like I think okay speaking of customer service I mean I can't go without saying uh my I mean my friends my friends one of my friends uh compute laptops is actually from aftershock and uh aftershock is just known for their customer service in singapore


like because aftershocks uh because my friend has like a hard disk problem where he will put the phone on his uh phone on his laptop and then it will cost some hard disk problem it was very uh uh very confusing


but what happened was that the moment he brought it to aftershock they'll fix it every single time for free they just replace the hard disk and then he did it for years he did it for like, he did for five years I mean three years three four years he did it and then they will just do it every single time and then I find that to be pretty impressive because the phone the laptop was like I think there was this


more that was like a three two to three year old like a three year warranty but even after four years of using the laptop he still got good service for it and I find that to be ya I find that very uh impressive in for, for a for a laptop company also like uh companies like HP don't do that because HP is very HP personal experience is that they are quite uh they're not they're very good in customer service they are more focused on the I mean not only for I won't say focus they are more


it's way more expensive to repair a laptop with HP than it is with lenovo or with uh, dell or any other company, ya I mean even then it's like uh, like in


like it's it's just a I find that Apple and the aftershock one of their best in singapore for like at least for customer service because Apple trains the people for customer service especially you need to be you need to be a particular type of person to work at Apple


what , ya uh once I went to


I went to the gordon ramsay restaurant, at uh marina bay sands, marina bay sands alright , it was actually really good like a really really interesting cause I I mean it was not like my first time in a high end restaurant but it's my first time being at gordon ramsay's restaurant and then when they when they the staff was so nice and they were like I mean I was half expecting them to be like gordon ramsey uh but you know


uh ya but anyway uh they were the staff was really nice and uh they were very they're very respectful and they, they were really they were really kind and they kept asking whether the food was okay whether everything was uh perfect for the for the night so on and so forth and I find that to be very uh


interesting and very like very helpful for like it's it's like a positive it makes you like it makes you feel like you're you're you're paying you're paying enough to be wanted like it's like uh not wanted lah I would say you're paying you're you're getting your money's worth


I would say , what about you


I mean we can we can talk about times that you know like I remember that time we went to eat at uh, uh we we ate you guys ate that you and uh dan ate at , uh, fat papas is it or fat boys


at ya it was, the card right, the I mean there was this one time I mean was like years ago right I ate at fat papas which was at bugis uh when I was eating there uh they we ordered the secret menu burger


I think uh, uh our uh something shake burger I can't remember the name actually but when we order that and then I was eating it and then the person was like uh with me and my friend we both order the same burger we both finished it and then the the server came up to us and we were like oh okay this is the first time someone actually finished the burger and then uh me and my friend were just look


at each other like this is the first time ya first time , I'm not sure I think there were two that two that there's a lot of like because the shake the secret item burger is like is chicken and then beef on the both at the same uh burger


and then I find that like oh it's not that hard for me to finish it but my friends are I mean my the to the others the people who work there actually found it very surprising, I mean was like five years ago so was like I don't even know how people find find it hard to finish the burger it's just it's a small burger


and also is very filling right yes


yes I mean


ya I think it's like it is the simplest things that are the best right, I mean, I mean I, I mean there's different like uh service everywhere like like bars have good service and then there's also like I mean I remember before COVID or the the lockdown had started uh there was this uh from there was this bar we went to last year


is at #telok ayer# there was uh that was a new that was a really good experience cause the ambience was just was really perfect cause, ya it's beer factory ya beer factory, the ambience was really nice cause there was like fairy lights everywhere and is very it was like dark and there was a lot of people surround there was a lot of people around and the everybody's laughing everybody's having a good time I find that to be very uh is like a very chill environment to be in


it's not very uh it's not very it's you can just laugh with your friends crack some jokes and then you can even talk loud it's it's a find I find it that very uh it brings it a sense of camaraderie and I think a sense of uh belonging together with your friends and then even speaking out and talking with your friends is very very uh


it's very very fun and interesting I would say


uh I remember tall people at the, ya ya ya the bar did actually they they give us free drinks ya


I think they gave me , well they gave me a free drink not you yes , uh it's it's okay I mean there's still this year, uh I mean


there was like a lot of like it's very interesting you know do you uh what phone service provider do you use by the way, right is is really good it's really really really good right because it's very fast to set it up and they will just send you the card to your home you don't have to like go to a store


ya it's , I agree with you in a sense that it's so convenient and you can just do it so quickly right on the phone itself


and there's also like a factor of like you know the roll overs are every month those are like those are really really those are really useful for me, ya I can see numbers that I never seen before ya it's like oh uh suddenly out of the blue like you don't use data for one month and next month you have like eighty gigabytes I was like okay uh that's really good and it's quite cheap as well ya


it's really uh


contract it has a contract


uh actually to be honest I think uh contract no contract is much better lah I mean much better in a sense that I've used for because it's more is much better to buy a phone directly from the person ya I think that's about it


yes twenty minutes fifty three


so daniel (oo) (oo) what do you think about you know currently investing your money into you know different areas


uh I think that's a really good point, since currently we are still students and stuff I think investment maybe not really it's not a uh a big topic for us to actually be able to you know, too much about but however I think one good thing about finance that we can actually you know uh do as a students is actually probably savings


cause I think it helps us plan for like the future and also you know for current, so recently I actually read up about this you know budget rule called the fifty thirty twenty, you know to actually help save our money in you and you know uh spend them in the correct way so basically to explain that a bit is basically you spend fifty percent of your uh you know how much you are earning on essential stuff so stuff that you definitely need like food


uh transportation or like, anything that you need uh hundred percent ah, and thirty percent of your money for stuff that you don't really need but you want to you know enjoy you're using it and then stuff for entertainment, and you know leisure activities and twenty first twenty percent for saving uh this twenty percent can actually


help us a lot I think you know, as young students to actually save up a at least some amount of money I think


think to add on a bit to your CPF thing you know I feel like CPF is also kind of a if you look at it this way a kind of a low risk investment, like you're investing in your own future cause in the end when you retire at one point you know you uh you you're not you not you don't have a stable source of income after your retirement


so that twenty percent of your salary that is allocated to the special uh to the CPF you know some of it you cans uh move it to your special account and save it up for your retirement, you know it's a very good way of actually look uh planning ahead for the future you know cause you never know what the circumstances might be uh and you know like currently if you look at it uh the COVID situation you know


because of that a lot of people have lost their jobs and stuff and those people who are actually you knows uh uh decided to stop working already especially older people who are above fifty five they can actually take out the CPF money to actually uh spend it now you know you know help others out uh help their uh family members out if they need to with the money


so it's kind of a a good investment I would say uh, compared to actually uh if you look at other countries which I did some research on, uh if you look at it it's , currently the singapore if you, who, it's a thirty three percent of singaporeans actually don't invest in anything so if you have a CPF plan


it's actually a safe investment for you cause other countries have to pay a very high tax amount compared to singapore who where we only pay uh two percent plus your, CPF which is the twenty percent of your salary like other countries like the US and UK have to pay roughly twenty seven percent of tax which is a lot so instead of you you know paying the government tax you actually saving this money for yourself


you know for your own benefit which you can you know uh eventually use it in the future cause I think some of us don't really have the self control you know once we have a lot of the amount a lot of money we end up uh spending it all on stuff that we you know might not really need


and you know don't really think about the future so I feel that, you know this CPF can like uh actually helps us, you know to uh you know have self control and you know , uh have a habit of saving as well, uh speaking ofs uh saving uh


how do you think you can uh meet your saving goals and stuff, ya yeah like how can you meet uh the goals you set to have a savings


or like how do you restrain yourself from you know spending


I think for me personally uh I'm not really one of those kind of person who can you know save money as you know willingly and like you know uh willing to you know set aside small amount cause I usually you know if I see something I like I will end up buying it so you know uh I found out this app


you know called mint on the app uh store so what it allows me to is actually restrict my spending amount which I think is really helpful, for people who actually you know uh don't have that uh had that sudden impulse uh to actually buy stuff that they want so you know for certain month if I have uh if I you know allocate this amount of money to for like my you know uh activities that I don't really uh need uh but you know I just want to have some fun or stuff like that


then you know I can only have a certain amount of money to spend on that, so after that amount for that month I think it will just uh stop it so you can't actually buy anymore things online or even if you want to withdraw money they won't allow you because you are if you want to spend it on stuff that are not non essential


so I think it actually helps to you know control and help you actually uh end up saving more money that's one way to actually, uh slowly grow your savings it's a slow process but you know it actually, uh helps you to, make sure that your savings you know uh starts increasing slowly


but other than that you know savings I think is also related a bit if you want to have you know actually a stable source of, your sort of small income to actually grow your savings it is also to you know invest in small black uh small properties or small stocks you know to actually uh help to slowly uh build up your savings for the long run so some of the investment plans it locally I've read up about is actually the


which a in local banks that offer some is is the POSB invest saver, and the OCBC blue chip investment plan you know these small plans actually help uh will will be uh the bank actually uh provides people will help you guide and you know, show you uh what a proper investment routes you can take


uh so cause some not all of us as singaporeans are actually familiar about investments and you know we are not really keen or like not even not might see it important to actually you know invest and stuff but I think slowly investing it actually helps us cause the market currently is inflating and people are not really aware about this kind of stuff so


you know I think that investing ons uh small stuff will actually help your savings you know go up like significantly if you know the right way and have the right help, uh speaking of investing uh do you have any plans of you know investing or


personally for me I think right that credit cards are actually, a very, uh a very good thing in some aspects but also has its cons cause you know credit cards actually help to make you know a lot of stuff easier, you know especially when you know your handle in your you know buying stuff uh which are of you know huge amounts of money not all the time will you be carrying you know the large cash around so it actually helps you uh to uh (hmm)


but uh have transactions with a much easier process and you know try to, buy stuff which are, yup which you need but you don't have the ability to since you don't have the money uh for uh currently but you can actually you know uh use the credit card to buy stuff


however I think you know it also poses a con for credit card that, you know you might uh end up spending too much and end up having a debt, you know cause that's what some people are currently facing that you know you have a credit card and you will just you know keep spending cause you don't actually physically see the money you know moving around of how much you are actually spending it and it's going on


so and you end up having a huge debt and you can't pay off and it it just becomes a whole mess in the end, so you know if you I feel you should have a credit card if you are you think you're responsible enough and you know you can manage your money wisely you know you can set aside savings you know when to buy you know when not to buy then you know credit cards of a must to have cause in this world nowadays


you know uh stuff of prices are just increasing and it's just not safe to carry huge cash a huge amounts of cash around you know for your daily needs and stuff so I feel credit card is is a a need however if you don't think you can control yourself then there is no point of taking a risk in you know having a credit card just to make your life easier


I think currently because singaporeans already have the CPF so automatically twenty percent is going to your CPF and you know I would like you know set up at least thirty percent, for you know my family and you know stuff that are, we can't for the future that you might not might need later on


and the rest maybe can be spent or currently for you know other activities or essentials that we might need, so I think honestly if you you know plan this kind of stuff out from uh from uh earlier then you know you don't have to face these difficulties in the long run and actually can


uh use your money wisely and of of course it's better to play safe than sorry, so that you don't you know end up in troubles you know financial debts or any kinds of, problems if if you just responsibly try to save up money for you know future any problems that you may encounter


so in overall I think you know you should always have a saving plan uh regardless of you know outcomes


negative experience


ya similarly I had you know bad experiences with of course electronic devices cause I bought it online and I think that's one of the bad things as well cause you can't really test out the product you know before buying so for me personally I bought a keyboard and mouse online, uh since my keyboard stopped working uh and my and also I needed a new mouse so at first when I uh when I got the keyboard and mouse physically they were in very good condition it's uh it was uh it looked alright however when I when I started using them it


it turns out that the, keyboard when you plug it in it's the wire is actually really faulty so it keeps unplugging by automatically and so when I'm writing halfway through it automatically just unplug, it was really irritating and you know uh at one point I just have to give up on it and also a big problem was it was a keyboard with lights and the there was a problem where there is no button or there's no function


for the lights to be turned off, so it had to be on all the time unless I unplug it which was really you know big hassle for me as well and it was not mentioned anywhere you know in the product description or anything so you know I felt it was a big problem and also it's a bit of my fault as well cause I didn't really ask about it


but you know , it was a I felt that it was a very bad you know way of describing the product from their point of view, and the problem with the mouse was just after one month the mouse scroll stopped working, and, you know I couldn't really use it already and since I spent about roughly sixty seventy dollars on both items I felt like I got a bit scammed cause


I couldn't really had the the products didn't really have the longevity, and you know I couldn't really use it after a while cause, and especially since I'm starting in computer engineering you know I need you know this kind of stuff necessities to actually for my studies ands and you know, to do my work and this kind of products you know reallys had a major setback for me since I couldn't really use any of them and had to go out and search for another product so after this experience I actually went to


you know write a feedback at under the company's you know uh, feedback options and for one whole month you know they didn't you know respond to my feedback and they didn't even give any uh, any reassurance of what what uh what they're going to do with the products


so in the end I almost gave up however like a few a few months ago they actually uh came back with a response saying that [orh] you uh uh we are sorry about the product but uh we can't do anything about it and that's all and they didn't even you know


try to make any amends or you know have nothing and you know I can't really blame them as well but, I think you know to uh as a customer you would want to expect a better treatment from the company to actually you know try to make you know at least small amends you know or like a small uh uh you know gift to actuallys uh said to show their you know apology for their poor quality products which actually uh priced at a very high price and


I feel that you know this kind of stuff can be avoided for me personally since you know electronic devices are the thing you know uh you can't just, spend a lot of money on it and expect you know to have good quality you know it can where it can malfunction anytime, at so it's a it's very crucial thing to look out for I feel lah


however , ya I have also other bad experiences you know, for uh when I'm encountering you know uh people from services, like uh once uh uh my house wifi router actually broke down, and I didn't have any connection for about two three hours so we were forced to call one of the employees from you know


singtel company when actually they came down to help us fix the router, and I've and that was one a a very bad experience for me in the end cause, the employee was really , I would say hostile towards and they were in a rush for some reason


so the moment he came in he just came to our house and didn't say anythings went straight to the router ands tried to fix it and at one point he couldn't fix it for about twenty minutes so he ended up, uh you know just you know giving huge sighs like you can see that he was really agitated and he was you know very irritated to be here and you know uh had you know he was you can see he was angry also for some reason


and we we try to you know ask him is there any problem or like uh if we could help he just didn't say anything and instead started you know uh sayings other stuff under his breath which we couldn't really understand and after a while he just gave up and then he said that someone else will come and you know fix it


so I think it's it's a really bad way of you know showing and you know uh portraying the company like since we have been using singtel line for the past you know since we were here since when we were in singapore for the past ten years uh we have been using this reliable company however since after that getting that customer service from them it was a very bad experience for us


uh not because uh firstly they could have solved the issue but also secondly the way they handled the problem where they were you know not really they're very reluctant to help us you know and uh uh they don't try to just you know did not try to solve the problem properly but just try to


move it uh move away from it and in the end of course the problem was solved and uh we couldn't really do much about it and we obviously you know try to uh uh help him out or whatever way we could, but they didn't really you know care about this kind of small inconveniences in their eyes


do you have any similar experiences with customer services


yeah like I mentioned for the good experiences I also have my fair share of bad experiences when ordering food online so it was was uh you know sometimes you you would think the restaurant is a very respectable and you know very uh well known restaurant so and then you occasionally order from there so that's what happened when I ordered from pizza hut


quite recently and when the firstly the delivery estimated time was roughly thirty to forty minutes, however the delivery came at almost two hours later so it's a very big delayed ya firstly, you know and I didn't try to you know think too much about it and also kay I was like okay lah I mean at least uh you know I can get the food as fast uh I I mean at at at least I got the food lah so but once the food came uh I didn't really check first and the moment I checked the food I saw that I had at least two items missing


and luckily the delivery driver haven't uh didn't leave yet so I immediately told him and he actually acknowledged and wrote it down and then however like one hour passed he said he will come back but there was no response from him nothing so I decided to call the hotline and ask them again


uh you know I about this they took my information and everything and they said they will uh pass me the food as soon as possible, and then another hour passed nothing happened no response so I think it was I I you could argue that you know maybe it was a busy period they could have forgotten about it but you know as a very famous you know uh restaurant chain I think it's actually a poor customer service cause it reflected very badly on them and I I paid money for that food


and I end up didn't receive it there was no compensation I didn't get a refund on any of those items so it was actually a overall a bad experience but however I'll still order from there cause you know overall I had other better experiences in terms of dining because, you know uh hardly any restaurants will try to you know uh purposely or you know intentionally give any bad


uh experiences to you ah so uh however decisions to small occasions where they cannot control it and you know you have late deliveries you have items missing and sometimes it also can be the driver's fault the delivery driver where they are they just actually they're not really careful with the food and then you know just recklessly uh toss it in their


car or bike and you know uh when they are driving not really driving carefully so end up the food is not in a good shape or like you know sometimes they they just don't really they can't be bothered about it so as a customer you don't really want to see this kind of uh stuff uh when you are handling food


so I think sometimes actually better to actually go down to the restaurant itself to the place to eat cause you don't have to experience this kind of uh uh small problems or anything that will actually cause you any inconvenience, but overall you know if you want to have a a if overall uh products you know have their both good and bad sides I feel if you want to really you know good quality product the best thing to do is actually uh have some first hand experience on it and make sure that whatever you are buying you know you know what you know about it you know uh do some research about the company you know uh do more research on whether this product is legitimate whether this product has you know credibility


so that you have uh you can actually use it for the long run, and also make sure the cost that you're spending on it is not actually going to affect you later on in there if there's any case like especially having a warranty for products I think it's a very good thing to have so in case you have this kind of bad experiences you know you can have a cashback and get a refund on this


uh bad quality products so uh overall my bad experiences uh I'll try to actually you know have a positive mindset towards them but overall make sure that you know this uh negative experiences don't affect it completely ah


part two positive experience, so uh my positive uh experience of uh, for me it's actually a service that I received it's actually from the uh uh tourism board so basically it happened roughly two years ago when me and my family we decided to actually go to saudi arabia


(hmm) however you know middle east countries are actually not that very accessible from singapore especially so you know it was a a little bit hassle to actually find a good travel agency cause, uh sometime it is uh it's actually really hard, uh for you know travel agencies to actually set up tour groups uh for a lot of people to actually travel to such uh countries


in the end we went to uh arab street there and we actually found a few a travel agency groups where we can where who are actually willing to actually set up a small group and in the end we actually uh found this travel agency group called azza travels where we found a good package uh


which uh the, staff there were actually really nice and very kind enough to share out every single detail they went through you know uh our how the hotel will be how the uh who are where are the places we are going to visit all the itinerary and explain everything uh to the point didn't leave any details out which I felt was you know very


good and it was very crucial to actually and have a good experience, so I I feel the price is actually it was actually very reasonable compared to other agencies that we actually visited, uh it was to say roughly three three K, per person since it was a fourteen days tour with actually almost everything covered uh we had three meals a day and since we are visiting three cities in saudi we went to jeddah uh medina and mecca uh


uh , all of them we are staying in roughly four star or five star hotels so it was a very comfortable experience also so they did take note of everything that uh they had they could covers is including transportation, you know the ease of you know uh travelling from one of thes one city to another so we didn't really have to wait for any uh news or any uh traffic nothing much cause you know they actually planned out the whole journey a fourteen day journey to say a very well and actually well thought out


uh the, one of the things actually that surprised me during the trip was actually, their ability to adapt to the different situations that was presented so although everything was well thought out uh there was a problem where one of the days we were visiting a museum and the museum ended up being closed for the day for some reason


and you know ah what I've seen from other travel agencies were actually they would just you know cancel everything and tell you you can just go back to your hotel and spend the day off however this travel agency was actually you know what took a step further and instead they took us uh to another destination which was not part of the package and you know helped us you know


uh show us around a bit more uh stuff that were not included just because they couldn't just to compensate you know the small failure where you know the the uh the museum wasn't opened which wasn't their fault but you know they took that, initiative to actually uh show us stuff uh that that's not included and you know that made us have a very good feedback and also you know we were actually shocked and also surprised about it


however everything was a very good one of the small small misproblem was actually the tour guide you know uh he one of the tour guides was a local, and the local wasn't really uh didn't have most of the most fluent in uh english uh however we could understand him and all that just that you know the smalls miss communications with him


but you know he uh the thing was he was actually willing to actually you know learn a bit more and you know he was very interactive with us you know, uh make make sure that we had all our needs you know taken care of uh make sure everything that we needed uh was actually provided for


so it actually made us feel much more safer and you know the made the experience to an overall a very a a very good one ah so I feel that, you know this travel agency did a very good job in, uh trying to you know show a very good front cause I realised that this travel agency was a very new one it was established about around like eight years five years ago eight years ago


so you know they actually did a good job you know to hire more people and slowly it's growing so I've you noticed you know a positive feedback is actually a very good thing for them as well, and I feel that the trip overall was a very good exprience, for me for since it was our first time going to saudi arabia and you know we didn't really have uh much knowledge of you know where to go where to eat and they took care of everything and make sure that if we needed anything else they will always you know come forward with you know any help they can give


so overall I think it was worth all my money you know to spend it's a have a very good vacation there and also , I would definitely go there again ah, thanks yes yes for me uh uh <B>


personally I had uh a lot of positive uh experience with food cause you know usually when you go to a restaurant or you order any food even online uh they actually they try to make sure that you know whatever you order is actually uh accurate to and also to the point


as but uh like recently when, as uh I ordered a food actually through the app foodpanda uh from a restaurant and, there was a small problem where they actually forgot to give me one of the dish I ordered and I I you know gave a feedback to them about it and they immediately responded you know and try to recompensate and actually sent a a driver from the restaurant itself to actually deliver the food


so I think you know it showed that you know they had they will actually will so cause I have you know uh had experiences that other restaurants where they didn't even acknowledge the feedback you know and then they just you know uh the delivery was very sloppy and messy however they you know uh this restaurant actually took the effort to


you know uh try to deliver the food on time and you know with good, uh packaging everything they made sure that uh the food uh arrived and when it arrived it was warm you know it was a very good experience overall uh from for me ah


uh however I think uh I had better experiences with whenever I went to buy you know any electrical products uh one of my recent ones I went to uh buy this, headset recently and, that headset was actually a


uh wasn't really functioning well uh however they uh they had a warranty so when I went back to them they actually gave me a new headset and also plus they apologised and they gave me a gift card you know to actually show that you know their so this kind of customer service I think it's actually it really work uh really good and you know


it shows a positive review and you know reflects very well on the company and you know uh how they're trying to establish themselves so, you know this kind of uh uh companies I think are actually really good, in selling their products cause you know customers when they are happy and they feel satisfied using them they will actually recommend it to others or they would even go back twice to those same places uh


uh if you are and they'll be more comfortable using the products as well lah cause you will become a more reliable thing, so uh I think those experiences I had uh with the food company and the, electrical company that I went to were actually very positive and of course I would recommend them to others if they are looking for the same kind of things


in terms of quality uh I would say that, they were uh for the price uh of the headset and the food you know saying uh they were actually of very decent quality cause it's nowadays it's very hard to find stuff that you know from the which is real which is fake cause there's a lot of you know cons in the market nowadays especially for online shopping


you know sometimes when you're shopping online you don't know exact uh whatever the picture looks like it's not really realistic, it might not be how it seems so you know you can get easily tricked for stuff like this so if you are buying something you know you want to have trust in the company and this is what both companies showed since I was buying both items online you know uh they actually had a good sense of


uh truthfulness to show and honesty to show that real product and how to use it and also, I feel that you know this transparency with the customers allowed us allowed us to have a very good feedback on them and you know of course will buy from them again


uh what what about you do you think uh uh uh any products that you have uh, you know have a very good feedback because of the company's transparency or like, how the company portrayed them


uh for me I think iphone has iphone has gained the reputation to be actually one of the best phone brands in the world currently so despite it being one of the best uh phone brands uh one of the big factors uh that you know makes people not buy an iphone is actually the money


cause I feel it's also one of the most expensive phone brands where you know every time a latest phone comes out you know it can go up to two k to three k you know and in other countries especially it's you know and people go crazy about it you know sometimes I think these products uh don't really have


you know a lot of new features to it or like very small adjustments to it however the pricing of the money uh however the pricing of the phones are actually ridiculously high so one of the things I think is uh you have to make sure when you buy these phones is actually that the quality is worth the money cause uh if I'm using an you know one of the


earlier parents of iphone eight and it suffices me I think it's ten years uh amount almost the same quality at but it's way cheaper than you know the latest iphone that is coming out so if I'm you know sticking to that then I think uh of course iphone is a very good phone to actually buy since it's it has a very good reputation and


very good quality as and as you mentioned it has a very good battery life as well compared to some other uh phone brands, but you know if you want to go for cheaper options there's also lots of phone brands but you know for me personally ah since I've been using iphone uh very recently I think I've gained a more positive feedback towards it


cause since like you mentioned as well I have been using samsung for me is for the past four years, since secondary one to secondary five I've been using samsung however, uh battery life is one issue and another issue is also you know I feel that samsung camera is not as you know good as the iphone camera as well and you know there's also other parts of it where you know sometimes my samsung phone will actually heat up


and it will suddenly become quite hot for apparently no reason so I I wouldn't say it's a very good feedback from my end lah so because of that uh I decided to buy iphone like which two years ago roughly, and as ever since then I think the the iphone has actually helped me out in a lot of ways cause you know it has a lot of features as well that you know other phones might not offer or even have


so I feel that you know this actually, uh puts the phone at a higher advantage, uh compared to other brands of phone


for myself I feel that as a young starter like only we are only eighteen definitely we need to grow our money first save up first before we can start investing onto like stocks or anything that we plan to do in the future lah , cause I feel like right now uh we are still students still not a lot in our bank so


I think the only thing that we can invest our money on is to just save it in a bank and then uh just pass up as investment like the interest rate but I think in the near future we should actually uh like do it like give it probably to our trusted stockbroker as to actually help with investing in stocks and stuff like that


ya I think it's a actually good point fifty thirty twenty I think quite a number of people actually actually use that for their preference lah, for especially for their income fifty for their what they actually need thirty for their wants and twenty for savings and probably for the things expenses such as debts ya actually for myself


I don't really follow the fifty thirty twenty cause as of now I'm not really earning an income on my own so what I do is when my parents gave me like pocket money and when I work part time during the holidays I actually rather follow like what I just want to buy and what I need to buy and


I would say I would say probably around half of it because I think as a student we don't really have much like necessities or things that we, actually need to we have a lot of wants lah definitely but the needs we don't really actually require so I think savings is really important at a young age it's a habit that we must cultivate uh during our early years


uh and also, slowly when we have a good income and a steady income that's when it really plays a part lah, and, for example CPF contributions as well CPF contribution I feel that it's actually already like in like a necessity for most singaporeans and


in a way you're actually saving your own money, without you even like having to like do it but it's it's already compulsory so it's actually there's pros and cons to that CPF contributions that you make every every time every every month lah, for like self


self employed people I don't think is CPF is actually valid for them because they don't need to do CPF uh but for those who work for a an an employer or company CPF is definitely like uh compulsory for them, and in the long run I feel that they do actually see the benefits of it there's cons to it is that when you need when you need uh money immediately definitely you can't actually take it out from your CPF account cause CPF account has like certain criterias which you have to fulfil and even the needs to there's like three different areas like ordinary accounts special account


and also your medisave account so ya I think the CPF is actually a good thing that the singapore government actually brought up like after , like up like after few decades already, and, I think that it's actually a realisation for us to actually save up lah even for those like people who don't have CPF it's actually a realisation that they should save it up uh not based on CPF right to


I think that's actually a good point you mentioned about the CPF and compared to other countries you actually asked me how I can make my savings goal is it


so uh I think the fifty thirty twenty that you mentioned earlier on it's actually a one of the ways that you can do it but for me uh the S M R uh SMART planning I, like the goals that you the S A M A R T the way you plan out it's actually quite good as well I think it it cut it voices down again what lifestyle you want and also what lifestyle is catered to you based on your income


so if your income is uh like a high one then definitely your lifestyle can cater to that like if your income is like a low one then definitely you have to cater to something else but for in long run I think, how I control my savings will definitely be what I really I will really cater fifty percent of what I'm


currently earning during my school holidays all this to my savings and even my pocket money as well so most of my expenses that I use is actually for food and also for entertainment like sports and, entertainment maybe some cinemas that's about it but because of COVID I would say that definitely there there were there was significantly more savings throughout the months cause I'm we are just practically stuck at home


and now I think uh once uh life starts after post COVID the uh what's it the the money game will start rolling back and definitely I think I will like spend more outside lah, so , you have to really like uh I I for personally for me I think that uh as students we kind of like have to put uh self control a bit because this is the like the years where we are easily more influenced by our friends and


sometimes even a new tech comes out or like the trendy hype things comes out we tend to uh buy it because of our wants rather than our needs and that's not really a good practice in the long run , cause habits eventually will start to grow at a young age and once it starts to grow and you you cultivate the bad habit I don't think you can actually just like quit it overnight so that's how I really spend mostly like save up my savings lah


and I think not to mention if uh to grow your savings is also another topic on uh uh on uh for another day I think , it right now as youngsters I think we we actually need to learn finance and banking as well and how to grow our savings not just putting our money in the banks and let it grow but I think there's also many other ways that we can actually grow our savings for you do you think there's any other strategies that as students we can actually grow our savings


with just a small budget with our small uh amount of money in our banks


for me uh I actually do have a friend that is a stockbroker so I was actually talking to him about investing too as well so he works at the company that actually does deals with stockbroker all these , what he does is that he puts a lump sum of his uh money into this fund which and then as it grows as it like uh over the years it's actually very long process but he he did mention to me that


one should start it start young lah , because the money will actually eventually grow there will be ups and downs definitely but it's a trusted program because uh all the big companies uh will actually , invest their money into these


projects and funds all these so in a way if let's say for example the one of the company fails to invest as much the percentage of you losing the , uh was that losing out on the funds will actually be quite lower uh will be significantly lower lah so uh in a way it's actually quite a


consistent and persistent uh percentage that you will get back every month it , is uh depending on the project that you actually invest in so uh I did mention to him I did talk to him about this and I'm still , intending to learn more from him lah but the only time I which I managed to talk to him is when I was working so really didn't have the much time to uh talk about investment and all that but he seems to be a knowledgeable one on that on that side of the industry and field


, I think uh when you mentioned about savings , I think maybe when we grow older and, we have start to have a steady income uh I think uh what do you think you should own a credit card when you start like earning big income I heard that after you earn thirty if you earn like thirty two k thirty k per month then only can you own a credit card so do you think you should like one should own a credit card or are you against it


yeah actually I think uh my views are quite uh similar to yours but I do have a something a point to add on , I feel that credit card is actually a a need for those people who uh are actually capable of owning one I think when you are capable of owning one


you should probably own like one or two credit cards and not, more because some credit cards there there is different criterias to it lah and different uh pros and cons to it but I think most credit cards most of them the attractive thing about it is that like what you said it actually covers instalment planning and some of them actually cause is that has a zero interest per zero percent interest rate


for probably a couple of one or two years depending on the price that you purchase and also the banks that you uh get the credit card from, and apart from that uh credit cards also has uh if you use credit cards for instalments you also do get uh discounts and cashback on the items that, you get so uh what I know for example my dad he uses credit card because he will get petrol discounts for uh petrol discounts for his own motorbike so I thought that is actually a quite a good way to save up you actually in a way save up your money on petrol


and I'm I'm sure there's also other uh areas and means that uh credit cards actually is a use for and good for lah but from what I know and from what I heard from most of my friends actually helps a lot on petrol to uh credit card also helps out a lot with , big amount of hefty prices hefty amounts of price that you have to pay for a big ticket items so I think uh in that way it also helps you to uh have a peace of mind when you


uh invest and you buy these items cause in a way you don't get a massive reduction in your bank account but you slowly paid it off , and there's also credit to it if you do pay out uh the credit card uh amount at the end of the month


uh as and uh responsibly and on time you do get a good amount of credits and that also actually helps you in the long run because with this credits you can actually also are capable to attain better offers and, better discounts too so I think it's really for the responsible and accountable ones for those who are uh like what you said very irresponsible and


keep on , doing buying stuff that are not really what they need and what's necessary I think it can be a burden in long run even in the short run too because at the end they have to terminate their credit card too and they have to pay a huge hefty uh debt what


so I think that's the not so good part about having credit card especially for those who can't control their expenses well enough, yup , maybe you want to touch on a a bit on, the , habit of saving maybe we could like uh can cover up uh like uh have a summary so


in the long like when you start like when you when you become older do you think uh you should set amount uh set a percentage of your money for perhaps your parents or your family if it's once you start a family have a have like old age parents retired parents how much percentage will you


part three negative experience, okay I think just now were when we were when I was sharing my positive experience I did kind of like hinted my negative experience as well uh one of them is the samsung


and also one of them is a ear pieces so for the samsung one actually uh like what I've mentioned earlier on it's actually really the life the battery lifespan and also it keeps on hanging on me like I think over the course of years I've been uh I used it the samsung, uh what's it uh the samsung capacity the storage actually builds up so that kinds of affect the uh


processing and how fast it loads videos how fast it loads games all these so in uh in the long run I felt that uh the samsung uh ability to actually process all these items actually deteriorate uh much faster as compared to the iphone which I was using


later on in my in my in my life in my uh uh youth days so, that was one of my not so , good products which I use and samsung was actually also my first phone that I uh managed to own uh for my own so ya for first phone it wasn't really the best experience for me


and for my earpiece uh for the earpieces which I purchased online it was not through this sweatcoin app it was through instagram and it it was because my friend recommended me to it but I think due to some unforeseen circumstances the,


earpieces that the earpiece that was uh delivered to me was not in a good shape and was in a faulty , , working condition so when I first started using it it was actually quite alright for the first few weeks or so but once it touched the first month I noticed that


the charging ability starts to deteriorate really really fast in fact immediately and it couldn't charge one of the earpiece on the the left side earpiece it was a bluetooth earpiece so it wasn't really a a good experience because I remember uh paying up to fifteen bucks for it and only one month I was able to use like


experience both side of the both side of the earpiece uh and then what I did to the other earpiece was that I actually uh send out a feedback to the company but the company actually uh said that [orh] when you started uh using it, for the first few weeks and there was no issue to it that means uh they mentioned that the uh the


uh faulty working condition was due to my lack of my lack of responsibility so I thought that that was not a it was quite a selfish comment that they made and I where I actually uh give them quite a bad rating too lah and I actually told my friend that uh the


uh product that you recommended to me wasn't really a good product uh in the end , so what I did was [orh] well in the end I got over it, uh over the experience and I managed to get the uh I managed to just stick with my tranya earpiece which I had because back then I I keep on sharing earpieces with my of uh siblings so sometimes I use this earpiece sometimes I use their JBL earpiece and sometimes I use the earpiece which I bought so the earpiece which I bought over there it was a what it was a replica of the


uh what's that the ipod pro so I thought that it wasn't really a good, investment too lah I was just wanted to do it just for the hype and not really for the quality so in the end the quality was really really bad and I had to , uh pay the uh price for uh paid pay the price which I actually uh went for ya


uh for your side do you have any , bad experiences with products or services that you have ever countered


I actually had a similar experience which you would kind of encountered for the online one but for the one that you mentioned the customer one uh personally I have not encountered such a incident before but for the one that you mentioned earlier on the online actually I uh ya it was actually quite similar to mine but I didn't did uh you


it didn't deal with technology it dealt , it dealt with accessories shoe accessories so actually uh I bought this floorball shoe cause I last year actually where participated in floorball for my school and I actually had to buy a pair of floorball shoes and


I actually uh bought the item through a local set up uh strava floorball SG and, I thought that the delivery will be much faster because I was thinking that [orh] I bought it through , a local set up so I thought that maybe that the delivery should be much faster but I think maybe the manufacturer was from another country so in the end it actually took uh the delivery the the the estimated delivery time that they mentioned was about a month


so I waited for a month and then it didn't really , uh did uh it wasn't delivered to me, so after a month and a two one month two weeks I actually uh gave them a , email and like what you mentioned uh for your side he actually they they actually uh responded to you like one month plus right for me it was close to one month but it was probably around three weeks after after I send out the email that they actually uh talk uh what's that uh uh get back to me


and I felt that for their part customer service is actually really quite bad but then slowly the person managed to get back to me and then they uh he mentioned that he will look at the uh look into the issue lah ands try to solve problem, so after the email I said thank you and uh we I hope that I can get my uh delivery item back or else I hope I can get a refund uh the refund didn't came through because in the end after


two one month later, the item I managed to receive so all in all after waiting after purchasing the item on october I managed to get it like december around there so it was like close to three months three three to two months of uh waiting uh period and it was really really quite uh frustrating because I joined floorball at uh later last year like


nearing the ends of the years for last year, and the item that I got was much much later so (oo) during my floorball practice I had to use a different set of shoes which was not really court shoes and it was really really quite frustrating cause


I had to I it was actually really really slippery and the traction for my previous shoe wasn't really that good so it uh there was no feedback uh there was no rating that I could give them but that was one of my not so good experience I had with uh online shopping


uh apart from that there was also this online shopping which I actually made uh it was this charger which I bought at only the cost of fourteen dollars, it was a iphone cable uh iphone cable with the headset but it was secondhand lah so uh they actually uh sold it at a much


uh what's that like a decent price much cheaper price at only fifteen bucks, and the person told me that he actually has already , posted the, the thing out and but he didn't take a picture when he sent the, mail out to me to deliver the item it wasn't face to face but it was through mail and I didn't receive the item so then I told him that uh I expect a refund lah because you first of all you didn't show me the proof to show that you actually put it in the SG post and secondly uh you took a really really long time


to answer my message when I uh left the text that you have not sent out to me for like past to uh one month, and he, he gave me his work address and he told me that he is not willing to give, the cash on hand face to face because he said that he was really really busy with work and I felt that that was really nonsensical because you can put your money uh like the cash on your office table for me to go all the way there it's like for me I feel that was really like


nonsensical and ridiculous because why can't you just meet me and if you want to apologise all these it will be much better as compared to you want to show like give me attitude and you expect me to, go over to your work area and, like collect your money but in the end I just like ah get it over and done with I didn't even come down to his work office to get the uh money the check that he like the a slip of money that he put inside this


envelope I just left it there I I just didn't bother cause I thought that, uh it was really really bad on his part and on my part I couldn't give him a rating because the deal was not uh made uh you know carousell has this function where you, uh offer the deal then they uh accept the deal we didn't make that deal we only uh I think it's a practice that most of the people do is that once they had once the transaction is done then they do it


so that they can like prevent these kind of things to happen so ya for his side it was really really bad for my side I was like really really frustrated with him and I couldn't do anything because I couldn't give him a bad a comment all these and, in all the transactions he made in all the deals he had with his customers he had like over thirty ratings like thirty different ratings and only one of them was bad so I thought that it was okay lah this guy seems a bit trustworthy and all these but so to speak uh so uh so to say that one one of the uh out of the thirty


one of them give him a bad review and, I felt that I could give him a second bad review too lah so it was quite sad that I didn't heed the advice of that one person who said that he was not really a trustworthy person cause it actually happened to me and I really quite felt quite sad and frustrated lah but thankfully it was just fifteen dollars I didn't really find it like a scam but I find it that is like


not so responsible for the local this that singaporean local lah , ya that was my experience with online shopping for real life so far I think the only sad thing there's the only bad experience is especially when, your parents starts to bargain with a uh with the shop uh shop shop customers all these when they start to bargain and all these and they try to use uh rather the logical thinking but more of emotional thinking try to like


like persuade each other and convince each other that's uh it's a good experience and a bad experience but one of the bad experience I faced was when uh this customer uh uh this shop owner was actually willing to give my mum a low price and my mum starts to lowball even more


she starts to lowball even more that even when she give a when she , what's it like , starts to suggest the price which was mentioned earlier on the shop holder actually didn't want to sell the product to the to to her so because the shop holder was so frustrated with her they in the end he didn't felt that uh my mum was a sincere buyer so then my uh my mum couldn't purchase the item so that was one of the


bad incidents I faced actually for my mum side and also for his side too uh for the shop holder side ya but apart from that personally I've never felt and I've never uh what's that encountered an incident where the, shop holder or the person that the selling the item was uh very hostile or very condescending or uh bad towards me so far all my experience were quite uh good and average ya


apart from apart from this do you have any items which you bought like food or beverages were that were not so good


positive experience


[orh] that's interesting I actually uh when I go out and travel I don't actually uh uh my families don't uh go for travel agencies we will actually do it uh freely and easily I think because my family is the more like a family oriented kind and doesn't like to go out in big groups ah but I'm I'm glad to hear that you actually had a good experience with the travel agency


for my case the product a good product review actually was my uh my cousin she actually bought this uh wellness device that actually help her with her blood circulation and personally for me I I cause I I'm quite close to my cousin, so she actually recommends this product to me too because uh the product that she purchased was this slip tack actually helps with her uh blood circulation so it's an external usage wellness device not like those supplements or


things that you eat or consume to help your health but rather an external usage and the the the the thing that uh I actually kind of like like the most from her sharing was that uh she actually , thought that she actually told me that it was twenty years warranty so I thought that !wah! she actually had to uh pay a hefty amount of price for it for a a few thousand dollars but


the fact that the uh thing that she bought actually helps her with her blood circulation and her lifestyle actually showed a shows me that the product is actually really good and she also mentioned that the uh customer service is actually also quite good too because the person that uh she bought it from also actually uh tells her and like gives her idea uh


gets her feedback gather her feedback and also make sure that she has an overall good experience throughout the years so I feel that uh when she actually shared to me that the thing that she bought I actually also uh bought it for my parents too and my parents also felt the


need to uh actually felt the benefits of it , so I feel the product that they uh purchased the slip tech was actually good in long run because it really helps with health benefits and, it's not only for like those unhealthy people I feel like if I were to use it I will also feel the good benefits to it although I'm at a young age but I feel that it also will help with blood circulation


and not to mention that also aside from , the health benefits that they actually cater to the long warranty also helps to cover it because the fact that it's a long warranty shows that the customee actually the the company actually trusts in their product so much that they are willing to give a twenty year warranty onto the product itself so that's like one of my


good uh experience with a company and like a product the other one is a earpiece which I actually uh bought it a few years back, the only the thing that I don't like about earpieces is that most of the earpieces I purchased especially uh bluetooth earpieces is that it actually fails to function after a few months or so but this uh earpiece which I bought over online


I actually use this app called sweatcoin which helps to track my , walking walk or walking steps and actually gives me discount to purchase this earpiece at at a half price and it's called tranya the product itself and I've been using it for a couple of years already and the service is is also quite good too they actually ask for your feedback once you purchase it how how the


delivery is on and how effective it is because it's actually still in their pioneering stage and I thought that the earpiece was actually quite good too because uh it can actually last for more than three days of usage although it says there eight hours of usage but I think because I use it like at a lower


frequency of time and also amount of time so actually helps me to last for three days and the charge is only like one to two hours so the earpiece is also one of the my good experience I can use it when I want to go to school during my commuting stages when I want commute from one place to another and also when I am going to for a run


because the earpiece is actually a sports earpiece so it actually helps a lot with uh my day to day life and also my it helps with my uh what's that uh ability to listen to music and also watch my shows at ease, ya, do you actually use netflix do you think netflix is actually a good product cause personally for me I feel that it's actually a good investment to watch netflix because uh if you can you can share the price at four ninety eight with four of your friends and you can watch the shows


like on endless accounts and , uh like amount of time so I thought netflix is actually a it's a good investment too lah because it actually helps especially for youngsters to watch korean dramas whatever anime shows or even english shows and international shows and I know most people actually own netflix because of


the benefits that they actually attain and also it's like it's actually a overall happy , service that they actually , use to invest yeah , how about for food and drink do you have any other things that do you like


uh transparency part I, can't actually uh recall any uh uh products that I purchased that has good transparency, , at at least on my account it's not a personal thing that I I it's not personally I bought the item but I know my brother who actually purchased this uh laptop the


person that actually told him about it was actually very transparent and it was a new laptop that he bought at at a very it was one of the newer motherboard that a motherboard disk runs at a better processing uh time, and even the display at which he displayed was the was not the real one because he wanted to


reserve the authentic , uh uh laptop the real one it's still inside the casing cause it was the last set so he actually was really transparent when he actually showed us that [orh] actually the one that I was explaining to you about that's not the real set


and when he showed us the real set it was totally a different new set so we didn't even know that it was a new set and he was quite transparent to it ah that was one of my better account and my one of my memorable ones ah actually uh at least for my brother too and then because I was also there when he purchased the item so I saw how transparent the person that actually sold


the item to one of the part timers over there , I think when you mentioned about technology I think the reason, I I I'm using iphone is because I think iphone most of the , phone models over the years one good thing about them is that their phone battery life actually last for a very long time


and the quality for it is actually last uh uh for a very long time too because, when I was in secondary school I use uh I bought this , (oo) iphone six at the age of twelve years old thirteen years old when I was uh in p six and all the way until secondary four even in year one poly I was still using it and my phone uh battery lifespan


uh lasted until died until sixty percent so over the course of four to five years it only minus up to deducted ands uh reduce up to forty, uh percent of its total capacity and I thought that it was actually quite a good thing because honestly I I I really abused my phone usage I charged overnight all this and is where uh when I did research it's actually not so good


and, I feel that uh when before that I was using samsung samsung actually was not really the best of the products I've used uh I'm not too sure , I used samsung s four back then when I was uh quite young and it was not really a good product at least for me lah cause I feel that the uh battery lifespan was not so good for now I'm not too sure whether samsung has been better or not because I've not been using samsung products and I don't dare to say on my own accord but for iphone I am daring to say that


the phone model apple model is actually really really good and the phone models for the battery lifespan is something enticing to me and definitely I will wish to own one later in the future like newer models ya, for apple and for your case uh do you feel iphone is actually a good product too


I feel that quality definitely uh beats money the that, with quality you definitely have to , expect that you have to pay a hefty price sum uh for it because quality is something that is very valuable and only for people who are very open minded will definitely spend a


uh what's that uh hefty price for the uh quality, and for, low quality items I think if you are intending to use it in a short run it is alright to actually spend on it because kay let's say for example for someone who doesn't have the keep uh financial capabilities then you can go for uh low end items if that's not really the the item that you are intending to use in the long run