even if you have a financial adviser then doesn't mean you cannot you don't need to do your homework, uh you still need to do your due diligence from the financial adviser and , uh nobody has your interest at, hard as much as you do you know so


uh that's what I feel lah, oh ya that I must press okay


, what do you think,


yeah


yeah for me, ya, so in in uh in my company ah there's this something call zero based budgeting lah so basically you know companies always


uh, use their, spending on the previous year in order to determine what their budget should be for this year, so actually err similar thing can be applied right so like for example


err if somebody trying to get out of there and then you go and analyse their expenses and all that right but then they always say oh ya ya my this level expenses , oh it's at this level and I cannot cut, so one thing that they can do also have something similar is called zero base budgeting, uh they should


start from zero ah, start from zero so for example if let's say your handphone bill is fifty dollars a month , you don't say or last month or the previous month or last year I was spending fifty dollars also and I really need this handphone plan


they should reassess whether the fifty dollar plan is really required, and start from ground zero to see whether, on or not they really need a plan as though they didn't have a plan and they're choosing a new, a mobile plan


that's what what err, uh zero based budgeting is about, okay


actually I think I think we spend quite little ah, , I would say okay it it depends on what you said ya, so I would say we save probably eighty percent of our income


but the remaining eighty percent not necessarily goes to investment, or or or insurance it goes towards paying down our house right, ya paying down the mortgage, and


the thing is like many people will say that it is an investment but, you know I don't believe that the house that we stay is an investment right it's a liability, ya so so, ya it's not exactly


control my life spending, uh


ya, ya and then there's a tracker with the, know the OCBC the OCBC thing that automatically, no it automatically does it for you


you use it yeah I I help you do it


very good, especially got tax, tax deduction, ya I contribute for you seven thousand, then uh it's deducted off my chargeable income right


ya, I always do it every year I ask you to do it for your parents also but you tell me no need, ya so of course


ya ya ya same lah so that's part of CPF contribution right this is assembly's part is the voluntary part that also tax deductible so by the fact that we we we we contribute voluntarily err it shows that we are pro CPF lah


what's the beeping sound, oh, no the fridge was open, I was like wondering what's that beeping sound


ya okay, okay, ya


Gerber Gerber, group buy


I'm not really agree with that I mean it's not there is limit the thing is that actually for him it is very easy to increase the income level because it's starting from zero, ya from zero so if you are starting from zero it's very easy if you are really working a full time job mah then is quite limited to what you can do because you don't have the time right


yeah, but


ya, ya there is a, that is very very good, ya so upscaling that is one that is for future income, err and then of course for immediate immediate one then is of course your own jobs lah right


we drive Grab at night I go and do Grab pitch right uh we do group buy we sell Gerber stuff, err that kind of thing lah or we participate in in in this kind of survey


discussion ya, ya I think it's a double edged sword so actually you know many financial uh books actually they do not advocate uh owning a credit card


they don't advocate they always say oh don't use a credit card and all that but the thing is that, the credit card is so ingrained into our society ah that there's actually a lot of benefits that you can get that by not using it you are actually advertised advantage


but but also depends on the person, ya, ya a lot of books are over there lah


ya ya, ya


ya ya ya, marry rich,


marry rich and stay married, no lah I, I think , no lah I'm just kidding it's not about marry rich it's about proper financial planning right


ya the thing is that you you marry rich ah after that you squander all your money and all that then it's gone also, ya so , ya


SRS, uh ya ya ya that's the one the what, no no it's the one that you don't have is the I think now the limit is fifteen thousand


is the ya is the one with OCBC DBS and uh p UOB, ya isn't not like fifteen thousand


ya needs basis so it depends on for your family of our children is different right so for children is more for education that will be the priority for the rest of the family is probably about


okay family is different right so if let's say it is it is it is us let say is us then it's about health, then when you are older like when you are in your seventies or eighties then it's probably about legacy planning ah they call this legacy planning at the at the age where they want to leave a a a certain amount for their family


ya ya, yes okay, do you have a habit of saving


ya, syphon okay ya I've syphoned


actually if you ask me if you ask me honestly do I have a habit of saving no because my tactic is always is always to spend as little as possible ya me you know me lah spend as little as possible so that I can save as much but whether it's a


okay, what, no it's okay, oh no I just say that uh ya it's not really about conscious savings you spend as little as possible and always has a quite a lot of surplus lah so ya in a way


part three negative experience, I know this one you got the most to talk about one


, ya, ya


!huh! you mean you they took the milk and they didn't return you


oh ya ya correct, where so you must you must you must provide context context you must provide contacts you can't just talk in the middle like that


forget it, ya, ya their follow up is very bad lah


ya ya, yeah I mean they should know ah


how about the story of the Satay, why no, it's a negative product the Satay came half half bit only


no no no you know why, because there's a five percent chance that the Satay were have on the


okay, how about the story about the durian crap


yeah and err FBI over there that role


correct


this is so unfair, how how about the story about the #ngoh hiang#


, ya I know it's about all the negative experience but you notice all that negative experience is it come up from you one, the #ngoh hiang# the durian crap the Satay what else


it is very right very right


, no I very happy ah, ya super happy, I think I


okay there's a specific online platform starting with l that always makes me unhappy because the stuff they give is either low quality, not working or fake


out of ten products I buy maybe half of them fulfils this criteria so the service is always I think quite mad lah you know like I no doubt they give a very like ninety percent off and the price is too good to be true but it's a singaporean


uh it's a singapore based company so, to me there needs to be certain standard lah you know so you cannot go and sell like like fake stuff, that's one thing second thing is a particular seller's shop that I like to visit that every time at lunchtime ah they run out of pearl when I want to top up bubble tea so to me that's a negative experience because according to them


is that if I buy the bubble tea I don't need to top up money for the pearls the pearls are free but half the time they run out, (mmhmm) oh ya so that's one thing and then the second thing also is that


uh they are reducing their streamlining their menu to save cost lah you know so they do that by reducing the variety of items that they put on the salad which I mean it doesn't work lah to me is to reduce the portion size is better than reducing the number of items


that, ya so that is negative lah, but in spite of this kind of negative experience I'm quite appreciative of the fact that my better heart contemplate


, no lah but err


what mooncake experience what mooncake experience where what mooncake experience oh ya mooncake experience yeah


but actually honestly I wasn't so bothered by that you know but it really depends ah I mean think about it ya it really depends on the environment for me ah like this kind of thing ah the mooncake thing right, I'll be bothered by it if I'm in that group of people


then you know you complain at each other then you side yourself up and then becomes a bad experience but if it's like individual then I'm like ah okay lah never mind lah forget it you know, so it kind of life shows that if


you're having a depending on your target audience lah if you're targeting families or selling to groups or as gifts to people then , I mean you better do it right lah you know, if it's just ya


ya some people expect the #ngoh hiang# to be fresh


but other people are fine with a factory made #ngoh hiang#


it's a problem lah


what cake, ya ya


I was unhappy with with my agent lah, because he's my friend what, and I don't like the fact that he capitalised on my friendship to sell me something


so it's like every time we meet up last time we used to meet up before he was a agent, and hang on lah then after that he became agent ah !wah! every time he meet up he just to try with some something so I find that the friendship is lost lah


ya so, ya not not genuine


yeah so, you know about the travel and tourism ah the place I went to to climb the mountain and then my sister always say it's very bad that was hotel she stay in


to me it wasn't bad you know because of the price that we pay, covers full covers travel covers everything, but, I don't know lah I mean it also depends on the


what's the expectation I guess yeah you could say it's bad the room was very bad


yeah, yeah


five star, yeah, I think that one is like one star


we never do staycation one, I don't think I've ever, no lah hotel holidays are always good


ya even when flight delay was very good, yeah


ya, but hotel


you got you call them, do you call them, ya oh ya I tell you I got another platform that I start with ya then I damn angry I keep calling them many many many many many many many many many times


no it's a another E, ya, no no no no no I know what e you talking about I'm talking about our our tickets, ya ya


ya and how quick also, ya and it's just a just a a simple thing you know it's not like travel tickets ah but


part two positive experience, okay, so we got the different uh categories right


so let's uh just go category by category and then we talk about something for each one okay, okay lah food and beverage


what do you think, why I always eat, #mee pok#, okay no no no I know I know I know we're trying to talk about already that one that we went yesterday


, yeah so where did we go to


yeah yeah and the best part best part is can use fave, ya, actually the thing about fave ah is that it's very very good lah I feel it's like a good business model because it encourages consumer loyalty


ya so, I mean you are getting a discount lah, like really uh giving a discount mah


I think is both lah is both right so you can use fave over there, not only that no actually it's about the F&B right because if the restaurant is like, terrible ah you won't even we won't even be talking about fave


we won't even go there right so


okay ya but but, actually it's not really the ambiance it's not really the ambiance it's not really the service


ya that guy was good lah but it's a different kind of service you see so I mean service levels there are different kinds ah so some is oh the the service staff is very good and all that but I think the really the good thing about this in terms of service was that the the guy the chef was accommodating to us


yeah, ya ya, and then the good thing ah I feel ah is that you know some restaurants ah when they say set ah means set by this one you can change the oyster to prawn


yeah, ya they are flexible they are, ya and then I feel is good because also


we got a good seat lah, no but but but that one I really like ah I really like ah because I like the sauce to be a bit #chao tah# lah so the sauce were became a bit #chao tah#


so it was a, yeah it was good lah it was good for me, oh, yeah, ya it's comfort food lah actually honestly if like you get a japanese guy to come and eat it he probably think it's terrible


yeah, yeah, I we stay terrible hotels ah I can tell you


ah ya ya I know I know I know I know I know already which hotel, that's one super good one no no, there's only one other lah I mean not one not only one other lah there are many others but that's only one other that I can think of lah that was like really !wow! no


in thailand the novotel novotel, ya that one is very nice because they were also very accommodating they're very flexible


yeah , so I called the hotel to give err my wife a surprise and I told the hotel to prepare something special for her, because it's her birthday so our birthdays are very close together and little that I know my wife also did the same thing so when I when we checked into the hotel


uh my birthday is first lah then a few days later is my wife's so we walk through walk into the hotel room after we check in and I had saw everything set up so, I don't know do you know that I was did you were you wondering why I wasn't surprised why wasn't I surprised about the setup and all that


okay but anyway when I saw it then I was I was like I was like pissed off lah because I was like eh my wife's birthday only a few days later how come they set up so early , then I look at the card then I realised that actually it's for me and that you have done the same thing so in a


oh that one very good lah ya that one of course lah that one paid them eh


ya of course lah you use singapore prices


yeah and also also I I find ah I I find it's like if you do not have a high expectation when you go there, you know you are not, expecting the moon so I mean you know when we go to another specific five or six star hotel and then we always have that kind of high level of expectation and after you come and you get disappointed and then


some more is super expensive, then you are like ha <mandarin>这样:zhe yang</mandarin> only ah I got that oh and like hundred dollars a night in another place


I think price especially for especially for us err not for everyone yeah because we are price sensitive ah we are #kiam ku# lah so, uh no we are we are thrifty, ya we are thrifty ya so


ya we are price sensitive, okay okay


I know, returning your shoes, eh it's very good oh you bought the shoe from US two lefts left side can come singapore change for voucher


why, you change for voucher remember, no they didn't give you cash, no they didn't give you cash


for sure they didn't give you cash, you know why you know why they didn't give you cash, because I ask I ask the china man to to to to to use our voucher and he gave me cash


, so they didn't give you cash, they didn't give you cash yeah


not really ah because we don't really shop for them, oh yes yes we got got, ya dennis ho oh sorry !hey! I'm not supposed to have names, ah but it's very good


yeah


he's on a fixed pay they give you back the commission and he comes all the way to meet you, yeah, so it's a it's really good lah


consumer electronics and gadgets this something, that , no lah not my iphone ah talk about your phone lah Samsung phone, like a iphone ah I think it's horrible one


ya you know how how much problems I have with, no that's ipad are you talking about iphone, my problem the iphone is that it's very the photo management is very bad lah


and then I have a lot of problems with the photos and you know your phone nowadays ah is primarily photos and messaging right so if the photo management is not good ah then I have a big problem with it and actually, ya it's difficult lah and the ecosystem ah because you are trapped in the ecosystem then you download the photos are also it's like in a different format than normal computer cannot go and read and all that


it is very nice the photos is very clear, what if, no iphone you say I must talk positive mah


no but the device itself is feels very premium lah and, it's very reliable and the apps are very good, and


and you know it's my go to device to play games, not my android, actually it's more for the it's more for the I pad


actually I had a very good experience with the android tablet, yeah because can make money, because err can put a SIM card and call and have a separate whatsapp account and all that it's uh it's very good lah


yeah, can make money ah I miss out I mean you know lah I when I buy


yeah yeah, so you know I will buy something right I'll find my a good deal online then after I buy and then once I get it I will start playing with with it and then I will post up on Carousell and if somebody sells offers me a good price ah I will just let go ah, then very often I don't I don't buy back the same thing very rare


it holds its value, actually that is very important you know but despite this ah many singaporeans are still spend a lot of money on cars


yeah yeah, but ya I mean holds its value is very true so that's the the the beauty of Apple products ah I feel it's like it holds its value longer than, other consumer devices


yeah, Apple lor, Apple Apple


I would say maybe it's like the useful life ya useful life of the product


don't buy inspire lah, yeah tap


yeah, it makes you want want to to go back to them again right, ya with ease and confidence


yeah especially if you buy it for someone else then whether if they give you thirty percent or not how are you gonna give it to the other person you have to go and buy it again what


yeah yeah, ya I heard it's the best


yeah, actually considering their you know this kind of FMCG normally the margins are quite thin


they really spend a lot on the packaging on the, and they willing to to ya customer returns and all that, ya so it's very good lah


ya, they will lah they all E commerce ya, yeah


err they I don't know eh I guess they're private lah I don't know, yeah


ya ya okay, okay, uh, skincare ah, no lah


but share entertainment, leisure and entertain leisure and entertainment, indoor playground very good


hope hope they survive, yeah, no but they but but the but the but the the they must improve on the safety


oh okay then we should ah, no the the the the the the whole you know the drop the the when you're on the second level


ya just for a red line or just put a small little barrier or something, ya, yeah


part one finance, ya, uh <P2>evelyn</P2> do you have a saving account, can you share with me your experience


ya okay uh what is the name of your saving account, [orh] okay


do you know what's the feature of the account, ya oh okay


ya I also have a saving account uh I have uh DBS and also OCBC, when I started off uh I only had uh DBS as a child like you but once I started working I opened up a OCBC bank because I found that OCBC bank has higher interest rates


uh than uh DBS, then uh there's, ya there's more benefit for you if you were to uh put in your salary inside, ya


ya so the OCBC three sixty account last time was quite good uh you can earn interest rate up to one point two to one point eight depending on your spending and the salary that you get


ya for for credit card I think you have to spend minimum three hundred or five hundred monthly then you'll get additional zero point three percent, ya


uh ya because at that point of time when you don't have so much cash uh I think it's still okay if you just put your money in the bank and then it's more conservative, uh approach ah ya ya ya


so I think uh, with some money that you have uh you can consider to invest uh outside, uh rather than putting it in the bank even though bank is safe, and can access the money, anytime


ya can put under fixed deposit also yes, ya ah should consider ah


ya so do you have a credit card, okay (mmhmm)


so only one bank, okay ya


for for me is different I have, uh stan chart citibank UOB OCBC, uh credit cards, , ya uh because partly I use , uh different cards for different benefit lah


so like like, citibank there is this the SMRT card right I use that for travelling purpose only, and then like if you use uh OCBC card uh mainly for cashback purpose


like if you go out for dining, then uh you should use OCBC I feel because it's more more beneficial lah


uh ya so like for example my citibank is just for transport right I won't use it for anything else so uh I make sure that each card is for a specific purpose lah so end up I don't even uh overspend on each different credit card


ya, ya if I go out on a date I will use OCBC yes, ya


ya I think couple should uh do a joint account should open up a uh joint account uh, it is easier for them to manage their expenses, or if you are buying something big in future then you can just look into the joint account


ya , ya I agree the guy can pay but uh that's for like small items lah like for big items


usually if like you are looking to invest in something like renovation or something then, uh to prevent uh financial liability on just only one partner right, uh you can consider the to use the joint account instead


ya then in a way you don't overstretch both either partners lah, ya but, ya the joint account can always be the wife in the wife's uh hand lah


ya, ya so maybe joint account the the wife can can hold it lah then like for


uh travelling or any uh leisure activity the wife can use according to how she want to use ah, ya ya what about you


okay , , okay


kay can,


no lah then then ya joint account maybe only when after both have like married like move in, to your houses then you can consider


uh ya, that's right, ya so even the renovation loan I don't know depends who going to bear the loan right but typically is both couple they have uh uh


a pool of amount or lump amount then they will just, combine the amount then just see how much they have money for renovation on the house


I think should only start only after you get married ah to be safe lah ah when you are sure of everything, ya ya


ya but but when you you're planning for the renovation already it's more or less confirmed that you buying the house to get married right I mean like after you get married then you apply for the house, and then your renovation start


ya so you BTO then you married and after your BTO you get the unit you guys have already married right so that's the right time to open up the bank account ah the joint account


eh not possible right, okay I thought I thought you will need to have you need to get married to own a house in singapore mah, okay lah okay ya then that's not very long lah, six months only six months only the joint account wouldn't be so much difference right in six months


, ya the, don't know depends on how the couple uh manage their money lah


ya ya also also can but then only thing about fixed deposit is


after or you can only wait right until uh like one year two year then, can remove the amount, like there is no, liquidity eh, ya ya ya ya ya


ya I think got pros and cons lah but I know joint account uh the interest rate is quite low also, ya ya ya okay so (mmhmm) ya


(mmhmm) I think there are some people who are still very conservative or have the very old old mind concept of putting the safest money to put is actually in the bank or just below your pillow, they don't want to


they really don't want to invest so much, cause or they don't want to leverage so much because like now with the current condition, like, uh a lot of people are worried right don't know what will happen, ya so I think a lot of people are very conservative ah


ya ya ya


ya so that's why I think education is important ah to let people know if the product is good and is not very risky depending on where you are like your age your your demographic right then if it's okay for you then you are willing to take that


minimal risk but your returns is high then is okay lah, ya definitely ya


but also you will have you have to be careful that you shouldn't use all your amount uh money in the bank to do investment you should have, uh money aside for rainy days, uh to make sure that if anything happen to you or your family or anyone yous you have some


backup money in the bank and not uh, uh start searching for money from investments that you have already uh pledged


ya but but ya I I know some investment product you you can do it immediately then but some, they require you to have a fixed fixed period where you you can't really remove right,


depending how how severe the situation is and how urgently I need the money, if I need to pay some penalty I would just consider, rather than like uh taking a loan right, uh that would maybe incur you more more interest rate from the bank


then uh I'm okay to accept the penalty lah, ya


no honestly honestly I I have not uh have any loan like home car or student loan from a bank, I've always tried to be liquid in terms of cash, so uh if you ask me investment whether should take loan or not I think should by right shouldn't lah but unless you are really dead sure that that investment


uh is very good for you, to take so you just take up the loan and then if you are able to pay up the loan, uh and get returns from the investment then okay lor, ya


[orh] ah uh maximum like ten percent lah, , ten twenty percent ya, ya, ya or I don't know maybe like, nothing more than your annual income divided by two


or three ya ya, ya ya correct because in the event you go jobless or like something happens to you, at least you know you don't have so many debts to pay lah


especially if when you are starting a new family or, uh getting married where housing and renovation is quite high you wouldn't want to invest so much, using loan ya ya ya


I think home loan is common in singapore if you are using HDB loan or bank loan to finance your housing right that's common for almost all the singaporeans ah, ya ya ya


ya for with the current micro economies I think more makes more sense to to take bank loan bank loan is cheaper than the HDB loan but some people from what I understand because bank loan requires you to


put up a higher down payment right for your house so they first take a HDB loan, after that you don't have to pay so much down payment for the property and then you do refinancing of the loan uh using bank loan


ya ya yes I agree (mmhmm)


ya, really depends on how how well you, you think you can save, uh in the long run if you think you are paying by cash, ya but if you if you have investment if you are using cash to do the investment and then the return is more than two point five percent then uh I I would rather forgo the amount of money in the OA account


because OA account only two point five right but if I use the cash money to do investment I could be earning three six percent, ya ya ya


by the way what do you think is the age where you should be giving ATM cards to your child (hmm)


negative experiences, , ,


ya so recently my mobile contract ended right , so uh I called starhub and then I ask them uh since my mobile uh ending two years contract so I, I usually get a voucher from them every year I've been starhub uh customer for like the last ten years since I turned eighteen right or twenty or so it's more than ten years uh then every two years they will give me hundred dollar voucher or hundred fifty dollar voucher


but this year they only say that I'm liable to receive fifty dollars voucher, so I call them and I ask them like why why is it so that I'm receiving a fifty dollar voucher like if I go to another telco and sign up as a new customer I will automatically receive one hundred dollars


so I I should ought to receive like hundred dollars from you not fifty dollars so then they say there are two requirements for you to hit a higher voucher or maintain the same voucher from last year which is firstly you need to ensure you, pay your mobile


uh bills uh promptly every month, then secondly you have to ensure that your usage has uh increased so I've been so far as you know right when we turned adult our monthly subscription usually like from last time


to now it will always be increasing lah like your monthly data increase your outgoing call increase your message increase right so I was paying fifty dollars like two years, ago but now like seventy eighty dollars, so I meet I and I pay my bills immediately every time eh


ya so I I definitely meet these two criterias which the customer service guy was saying lah, so I I said okay so I meet both these two uh criteria can you increase the voucher for like from fifty dollars to at least one hundred dollars


so then uh he say no, then I say no okay then can you refer me to your someone else who can who I can you talk to so then he pass me to another guy who I talk to also same thing, that say the same thing that cannot cannot cannot because I apparently uh this is the current promotion that starhub have


so I was very angry that uh that they couldn't uh give me the voucher lah so at the end of the day after I put it uh put the phone down, they sent me a message ask me to rate their, customer service like from zero to five, so I put zero , because they didn't didn't they didn't promise me what I was supposed to uh receive lah and I mean why why would you always say the campaign now is fifty dollar like


uh we are we are not sure about your campaign eh you never even tell us your campaign so how you expect us to know whether fifty dollar hundred dollar or hundred fifty, ya lor so I put uh zero and then the next few days later the customer service there call me and ask me why what happened why I put zero then I said because such and such ah


and then he also couldn't he couldn't uh settle the issue for me he just say sorry uh this is just the way it is lah, ya so I'm very disappointed in starhub ah


from starhub you want to switch to some other telco is it, ya I think starhub they are not very , uh their customer service in terms of promotion wise and then like to retain customer they don't really go all out lah that's what I feel


ya oh !wow!


ya I just feel sometime the the data thing is quite difficult lah like they when you ask them to look into why your your , consumption is very high they suddenly cannot let tell you why why is it so high this month


ya there were times that I I had I exceeded like only by hundred MB and I have to pay like ten dollars just for that additional hundred eh which is like uh okay


ya I just ya sometime I think their their customer service, they are not very flexible lah even like when during the CB I was there was this one time when singapore had this uh outage right starhub uh home


broadband right across the island like a lot of houses didn't have uh internet you remember, ya so uh I was in a meeting ah halfway zoom meeting and then the thing got got ended ah my zoom call ended then I I was trying figure out how come I cannot


ya so when we were I call in I didn't know like the there's whole singapore expecting uh experiencing this , so then when I call I couldn't even get through any of the , any of the customer service ah, like the queue the waiting time was super long ah


then only when I received a text message because you still can receive text message right, I received a text message from my colleague they say starhub having outage lah so, after that I I just put down my phone like they should let us know, that something happened to the house internet lah if not we don't know right what what what's the issue ah could be your house something wrong the hardware or like the switch not working or something but


ya they could just send you a text message saying that the service is disrupted lah then let us know, uh by when they can, they can uh resume the service, ya so I think starhub


ya I think


they are not very flexible lah,


ya lah I mean I I mean it you can a few days is okay can accept lah anything like in a week or two week three week didn't get back to you then it's too much already so until now you got no idea how to, how how how long has it been, oh !wow!


ya I think with them is like they take take the money very easy but when they want return back they will think, they will think about it lah, but it's three hundred dollars just like that gone ah, okay ya


ya ya think ya circle life ah ya, ya, ya then you have to buy the phone separately lah, ya


eh anyway you know you know end of this year you're we can go for one month, uh staycation right I mean one day staycation ah with the hundred dollars we are receiving, ya do you have any worst staycation, uh or hotel or holiday in a hotel that you experienced before


I remember you saying that, I remember you, I remember you saying about the toilet where it didn't have a door or something


ya can you let me know I forgot the story eh, oh !wow! ya [orh] oh !wow!


ya so the facility is not very good lah ah, then did you did you let the the guest the customer service know, oh !wow!


no you should leave a negative, uh, a what a negative comment to on their website ah, ya you should review negative ah


ya but but sometimes you will really see right people on the facebook or like uh people on facebook uh commenting on all the, the services line or even like F&B that uh about their negative experiences, ya


but then is is do you think is fair if you don't share any negative experiences, , ya like even like you see a lot of people on facebook going to starhub website uh starhub facebook or even like banking like if you go to some


bank facebook page right you see them complaining about some uh service disruption they are facing ah


ya but but sometimes I so I I happened to have a negative experience in POSB bank that I took the queue number and then they told me that uh so I opted did for this service that uh tell me that uh they will message me


when uh is going to be my time lah so I I remember putting my number submit, then I took out the the paper right with my number on it so I went out for lunch, then uh they told me that expected uh waiting hour is half an hour lah


so I know that I can get a quick bite then wait for while while waiting ah then I come back again lah, so I I took my lunch and then even after forty five minutes then I waited for one hour


and then after one and one hour fifteen minutes then only they call my number, then I was very very unhappy like I went to the the bank teller and say like, if you all know it it will take longer and the crowd or what then you should put one and a half one hour fifteen minutes ah not half an hour ah so I waited


forty five minutes for you guys, then it it means to tell me that your bank the system never give allowance or never really calculate fairly on the waiting time eh, ya so ya (mmhmm) ya ya ya


oh they didn't tell you that it can be done, by that method ah


maybe is it maybe a a new staff,


ya I think customer don't like to wait lah that's the we we don't like to wait but then if you can let us know, ideally what time or what then we as long as you stick to what is promised then okay lah, ya ya ya


eh by the way what's your least favourite bubble tea drink ah, ya ya


oh !wow! okay why ah, ya ya


I think when they first started it was very bad lah the queue management not very good right, , ya but I think they go by just number right, ya running number lah but you don't know how long will it take for your turn to come lah


, actually I I I don't I don't like uh liho ah, or gong cha, liho liho liho cause they have a lot of those cheesy cheese topping drinks right, I mean I mean I see the menu sometimes I feel like it's so complicated


like uh, they sometime have too many drinks and then too too many promotion you also don't know which one, which one is ya which one is nice eh very confusing


like then you you see other brands like they are much more organised ah, ya, I think I ever tried uh, think liho, I feel like their topping is so much


so if the eh you know right if the topping is too much then the amount of, water the main content which is the water is very little, so I feel like, uh they're, they're just quite smart to put in so many toppings lah I mean toppings very cheap right


they just put so much topping then the amount of uh drink is just very little then you find like eh how come how come you get tired drinking but not drink because drinking but just eating the topping ah, ya like not much drinks eh so uh like if you are thirsty right you wouldn't go for liho ah


ya ya, I mean like so many extra layer right but then they take away the main thing which is the, the tea lah sometime you buy tea or or the fruit right you want it to be thirst quenching mah when end up uh you find like eh how come so fast finish


ya lor I mean the topping like uh too many pearls also I think it's not very healthy ah ya okay


positive experiences, okay uh can you let me know what's a do you uh what's your recent positive experiences uh with a services or a product


ya ya ya


oh !wah! that's good eh, ya ya ya ya ya ya ya ya ya understandable


I'm I'm also using apple uh apple phone but my laptop is not an apple laptop, so uh but then recently my phone uh I went to upgrade uh from, iphone seven to uh iphone, eleven


and then uh, because my contract was up so what starhub has is like a app for you, they will remind you that your contract is up so you just click on the on the app and then you just have to, let them know what


plan you want to sign up and then uh where you want to go and collect and what time, so this is my first time using that app so I try using that app and then within five minutes I received a message email from the outlet saying that the phone is ready and I could go and collect from this time to this time lah on on that day that I choose


then uh the moment I went to the outlet I just have to show them the email that I received and then uh so then they expedited the, the queue lah so I don't I didn't even have to press the queue number


since I already made the appointment right so, at and then I just have to go to the customer service and then the phone was all ready, then the paperwork also done so I just go to the counter signed the contract and then they issued me the phone showed me uh they on the phone


and they showed me all the things that are all ready lah, so from the moment the from the moment I enter the shop to the moment I left the shop you know it took less than ten minutes, ya I think it's very important ah right now because uh regarding COVID right there are a lot of


uh restriction that we are facing so the customer service thing should, be tip-top lah, ya so then uh in terms of queue and crowd you'll get to manage things better, ya


uh ya I think starhub is a good brand, but uh there are more and more competitors right now lah who are trying to find ways to be different ah, from the rest ya, which which which telco you are using


[orh] okay , oh (mmhmm)


ya, ya so maybe you can consider buying your phone directly from apple ah if you find their services very good, instead of going to your telco, , ya good job


, oh by the way did you have any do you have any uh dates recently, ya, , uh maybe maybe but also because I want to ask you whether you have any nice dining experience recently or not


and you got any place to intro me uh good food or good service, kay oh okay okay (mmhmm) ya


ya ya you have to go down for your breakfast, (mmhmm) oh !wow!, [orh] that's good convenient eh don't have to go down


ya I find it very common that people rush down for breakfast even though they are going for holiday ah, ya


ya so how the the food was it nice, ya local food ah


uh but it's nice to have uh food delivered to your room and then you're facing the villa to eat lah quite nice ya,


ya I think every every customer expects that lah when you are paying for services or uh receiving products, ya uh, ya so last year I actually went to taiwan with my friends so I I think like people in taiwan uh in terms of the hotel staff


they are very friendly and like when we came when we went to the hotel at the lobby even uh when they saw us carrying the luggage they actually carried the luggage to, uh to the to the hotel room lah


even uh, ya and then they they are not the kind that will expect people to pay them uh tip ah, so I uh, people in taiwan and also when I went to thailand I feel like they are very well mannered the service that they do there are like quite good


for the like hotel stayer lah, ya and in terms of like food wise uh usually when you go overseas you will find like the food there are well decorated ah, the presentation of the food


then uh and you find that those food if you get it in singapore they are much more expensive, like those kind of decoration and the hard work that they put in the food, ya ya


ya I mean singapore also we have nowadays we have a lot of cafe right a lot of, people go cafe hopping, ya so I think uh, good places where you can find cafe uh like uh Bugis


there are a lot of good uh cafe down there so it really depends on the, ambience and also like decoration of the place ah, ya


so uh one of the restaurant that I I went uh quite recently was at uh #botanic garden#, it's called the halia, so this this place uh is like, just beside the is towards the end of the #botanic garden#


area so uh you get to see uh a good scenery lah trees flower plants and then the restaurant , also is quite well decorated, then uh the choice of food that we see down there is like really very good


like very different from what we see outside, uh you should try the, the, tea over there the tea is very nice, ya then uh, ya even like in the staff right you'll see them uh


wearing uh quite formal clothes to serve the, the customers lah, no uh not date lah just to meet a friend ah, ya, ya ya


really, ya, ya just go casual there and then is is quite a nice place to go lah,


uh actually I'm I my favourite bubble tea is koi, then recently also the shop, that is uh is call, ya, ya I I I like bubble tea but not too much of it so uh the the common brand that usually you drink is koi right


ya so I I have tried like uh other new brands that are available in the market like uh tiger sugar, uh that one is a bit more costly but uh is I find is nicer than the the koi bubble tea ah


ya, I think innovation very important ah like you see some bubble tea brand right they only have the same, uh product that they offer every time ah like like no changes ah no festive drink like quite boring ah but some brands you see them have a change in their menu every two three months ah so then you get excited to try lah


ya I think good idea ah ya ya, ya, ya the the most recent one that I I I saw but I didn't try I don't know whether you tried or not is the


tiger sugar milo dinosaur milk tea so it's a milk tea then they just put uh milo dinosaur on top of the milk tea and then the bubble tea below ah, ya ya


ya I think that's quite common ah ya, ya ya ya ya ya ya,


ya one twenty one fifty right, ya but ya ya ya ya ya, ya but now now is so much different ah, ya now you for a bubble tea you can be paying up to like four five dollars


ya, ya I think not not that difficult lah I think during the CB they have right the, the make your own milk tea and then bubble tea they sell you the powder and also it comes together with the bubble right then you can just do it at home mah


, ya I agree ah but ya the time CB almost all the bubble tea shop close ah, (hmm) ya ya ya


oh !wah! , , ah that's very far okay, [orh] okay okay,


ya ya ya I I think I have tried alley alley before also ya it's quite nice, ya they had uh alley at , Orchard cineleisure but is think is closed down already


ya I think due to COVID, , ya so you have to go you have to go Changi airport again ah, but you can't fly lah sadly, okay ya can see oh okay what they sell [orh] okay okay okay


, [orh] ya ya ya that's what I what I experienced in thailand, also ya ya ya oh !wow! ya ya


ya,


ya agree agree, ya I've heard that also from quite a few friends


agree ya, ya ya ya


but good lah you get to save money the next time you go okay too much ya okay


part one finance , okay <P2>amus</P2> you ask the question , yup I have a savings account


so cause like okay most singaporean will have the savings account with POSB, uh, I think is I think is savings account I think the name is I think it's just savings


account yup , the feature I know that uh I know their interest is quite low zero point zero five, ya just for savings yup, then I have a bank book, I mean you can choose to choose a bank book or a statement I prefer a bank book instead lah


like the olds old school style, yup


okay so actually , so for the yup, so actually you completed the three, like, salary crediting uh bills and credit card


so you have to pay as in you have to uh use a credit card


zero point okay zero point three percent, so do you think is high I mean, do you think like uh putting in the like using this OCBC is good enough for you, okay


but is conservative that means low means you won't have high returns right, ya, so what will you think that you should do, yup


but you also can put in a fixed deposit right, ya like one year like two years actually it's like one point something it's still better than putting in the savings account when you only earn zero point zero five


yup so what's your think about your as in what what's your thought like do you think that it, oh my god , but uh I have a credit card, okay that's OCBC


yup I mean the, I mean the bad I mean it's good to have credit card lah but if you don't know how to uh like manage your finance actually you will overspend, overspend your credit card lah


yup only one bank I mean less to be safe right I mean if you have a lot of credit card you will been you you will use all the credit cards uh to spend like, you know where you have like a credit limit of like uh this amount then you will spend all then after that when you need uh extra money uh to spend then you will use another credit card so I feel that having one credit card will be good enough


ya so , so which one do you think is best, ya


yup but then how do you, but then, it in in this way then how do you manage your like money like you manage means like you allocate like this amount to this bank or what


okay


so if you go out for a date so you will what as in like, you will use uh OCBC ah, , so you say oh because I got a rebate , okay so


so do you think that a couple like should do a combined uh of uh their finances and open a joint account, okay


but do you think but not like uh shouldn't the guy should be paying for the meal instead of using the joint account, okay


so so is just, okay so like so you you mean big items lah so the joint account will not be for meal like going out for a date


like holiday so you'll be using your money,


so you will pay for most of the item lah, okay, so like so you think that uh is good actually to open a joint account ah, okay so like !huh! uh no lah


I will I will still prefer not to do a joint account lah, ya so , I already say that I I I mean I prefer the guy to pay for it right , ya so is I mean for a girl's point of view lah I mean like if you go out for a date is better for a guy to pay for uh meal and everything lah


ya, ya I mean sometimes like joint account is being sensitive I mean if you , I mean he had like, if you are like still together I mean is still okay but then what if you all like break up so how do you like separate like eh fifty fifty


then you say that, but ah if you say you are married that means is like you you were saying that, renovation loan is have to be started way before what


ya so so ya actually ,


yup so you saying that you have to be what way as in, that, like when you propose then you started a joint account or when you, uh dated for like few years then you then you joint, open after married


then you open a joint account, then the renovation how I still think their renovation how, your renovation loan you were saying that you have to actually have to start from, beginning what


ya but normally people will do the BTO first before marriage what, ya it


but maybe is like way as in sometimes they have like uh you get the house first before you married, possible why not possible it's ya


no it have can have six months delay, then how then how , maybe you ask the person to like pay more like like half a salary goes to this joint account


ya so what as in like what , half of the salary or what, manage, but if you uh but if you right but if you do it way before do you think that is like you do it way before right then you can actually put in the fixed deposit right


ya ya but it because if you like


ya but if you have like if you started early right cause you the reno all these is definitely is planned what so right ya you know it's planned so like you started early means, when you all know that you all are the one so you all start the savings, right, ya like example you put like one K one K each


so when you have like, bigger amount maybe one year one year eh, one one year later you have like a a big a better amount, then you actually can put the fixed deposit then where you can earn a better interest rate


is the same as a single account right zero point zero five, ya so right, so like you were saying that kay you said you were saying that the interest rate is very low even like it's single or joint right, so like oh so if since like you say that uh interest rates is high


not attractive like why would people still put it in the, bank


pillow , but then it but


ya but the thing is like yes you say about the money but if you do a investment it also has its it has a will also have a flexibility, since is now is the like best time to actually, do investment, why not you just like instead of you earning the poor little interest rate


like zero point zero five then why not just do investment


ya because let's say investment is actually a time horizon I mean since we are like, quite young we still have the time horizon to do investment so will you think that doing investment would be better than you putting in the savings, yup yup


but it's flexible mah uh cause if you put in the investment right actually you can do a withdrawal if you need it


yup it just that maybe will have some penalty will you like rather okay so would you rather just like , take out I mean there's lock in period right you were saying that that some like investment have the lock in period so if it's has a lock in period right but then it has it just that there's some penalty will you because of like you really need the money like during this period of time


will you do a partial withdrawal from there or you try to find moneys elsewhere, debt (mmhmm)


okay so will you like uh will you like okay so you were saying that investment actually very good right like, you have a choice lah so will you like take loan right to do investment I mean like for for personal loan like I mean uh, cause investment you saying can earns a higher than a personal right


yup so will you do will you take loan, to like do a investment (uh huh) (mmhmm)


okay so uh so you are okay so you are saying you you don't mind paying I mean take the loan lah so uh what's the amount of range like you will you take like, uh example you invest a hundred K how much loan like how many percentage like will you want to like


take up, maximum ten percent so is like ten K which you are you feel that like ten with ten to twenty percent means ten K or twenty percent


okay so is based on like amount that, you can earn lah likes okay


okay so you only work like just take ten or twenty percent ah so it's a safe net so is based on your income lah, yup so uh what other loans will you want, like will you, think that is possible to take, okay but


okay but because now right because of the low interest rate the bank loans actually is uh lower than compared to a HDB loan lah SIBOR loan is risk about two point six so will you prefer to actually take a take a a bank loan instead of a HDB loan


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


ya because even like because even like you, refinance even you pay the legal fee is, hundred plus and the validation you actually can be paid by CPFs so there's only uh so like a long term run actually, uh is actuallys cheaper to take


a home loan lah, yup, so okay but then the thing is like you know like uh though our home loan can be paid by CPF lah but do you think that because CPF like the OA accounts earns about two point five so like savings is zero point zero five will you rather right


uh earns the interest like you means your cash your CPF money right earns the two point five then you use your, park your bank account right uh money, to pay for your loan


ya because you say that,


okay but then as in okay so is is if is from the bank savings account you don't mind paying using that amount to pay for your loan lah, ya so, so like I mean you also can use the joint account right since you


already started a joint account with your wife, right kay, so so


I think is when you're probably eighteen years old yup


negative experiences , ya , , okay so okay so <P2>amus</P2> what's like, bad experience like in customer service


yup I thought is [orh] [orh] (mmhmm) okay yup yup yup yup


so actually like cause you port over actually it not just hundred dollars it's two hundred dollars so I was also thinking to port over, to starhub because my contract just, going to end soon ah because like , yup correct because like ya


ya because like uh because recently I was , uh my is cause my my my my plan was I think forty gig lah so forty gig is very hard to hit lah cause most of our time kay we are in the office or at home right so we are using wi five


so you cannot be hitting the forty forty gig lah so that day I was in baking class so uh then suddenly my gig right goes up like I think within like , ten minutes is like, one gig one gig like ten to ten gig lah so


like, I had to pay they say I exceed so they have to charge me for the maximum I think I paid two out of three hundred dollars for the bill lah so like after that right ya so, , so I ask I call in you know I call in and ask them to investigate my case so it take very long for it to to investigate the case so to whether to refund cause I seriously like is there's a proof that I in in baking class I was in baking class how do I like


I was baking so how do I use the internet, you know they can't ya so, is not is not because like [orh] because there's this circuit breaker they are like lack of money then then they have to charge us at a higher rate what


ya so they are still investigating like I call them I think few days ago they are still I don't think is they just don't want to, pay back my pay me the money lor and then they is like uh uh for is like, ya ya because


because I do control as in I I manage my uh data, like I will so every every month I will do a restart of my data so it will not exceed what I mean I'll I can I know like when when is uh is going to overuse and all these what


yup yup yup yup I mean the


ya starhub very very bad customer service I've been with the, I've been with them for also like many years I think, ya I think I was I think same as in like poly days I think, or what then then then I never received any vouchers eh


like I always like hoping they will give me voucher so that I will renew with them, , like even give two hundred dollars uh voucher is not much what actually, like for the iphone like how much it does it cost cause I was thinking whether to renew with starhub or like go to singtel since they are not going to like


uh, do going to investigate the case, like, it takes a while for them ya I don't think it takes a while for them to investigate the case [orh] I mean they should know you know, ya


ya, ya correct I think one month ah, I've been calling starhub say eh so how so how they like they don't even want to give me the answer it's obviously they don't want to pay me back the


money , ya so I I, ya lor hard earned money eh


ya so I right really like , quite disappointed with starhub lah I mean I've been a , best supporter you know I mean like telling people to choose starhub I think starhub is the best, ya but now this thing I'll I'll I'll I think I don't think I will like


recommend starhub to my friends if they want to change to like cause uh, any service provider because nowadays there's a lot of uh service provider know uh other than singtel M one they have like TPG or what or circle all these public myrepublic all these actually their contract is actually is much more cheaper


just that just that you cannot buy a phone ah, yup correct but it's after all is stills cost savings if you do that lah instead of you uh sign up with the starhub, ya, so other than ah


ah (uh huh) worst holiday I don't think so leh I can't think of it now do you want to do you want to


do you want to share first , [orh] ya ya ya eh I was at like, , ya so I was where did I go ah [orh] taiwan so I went I went taiwan


so it's a very small hotel I mean taiwan hotel is a quite small, I mean as to compared to singapore, then, then they don't have like uh, they don't have a proper, proper toilet door


like you know like if you know like if you are doing a big business ah the if the if don't have the toilet door ah then is like, !wah! that means your whole roommates like can like your roommates can smell it , ya then never mind you know then, the door is a curtain and is is their curtain right is those like


detachable one eh not those, stick on the wall one eh so during that midnight right I was like watching a movie with my friends so after that right I was I want to go toilet right, then I is undetachable everything drop you know the the the curtain everything


ya, ya then, , ya I told them but then they cannot change the room cause is full, ya then is like oh my god I I don't think I will recommend is a new hotel know some more is a new cause normally I go


normally I go uh overseas right I will choose the newest hotel lah because like the the hotel is more cleaner, then I, it's quite disappointed lah so and, feedback ya got


ya so I will like uh no lah uh I mean, after all I mean though is my, experience but it’s I feel that is, still , not uh very nice to like post like tell people this is not a a very bad hotel lah, service line ya for me I


I I prefer to share positive lah than the negative lah, but if you , fair or not but if my friend ask me ah then I will not recommend that hotel, ya


ya but then the thing is like though you complain but still people still go there, you know it doesn't affect , it doesn't affects people's thought like you know even like even is like a long queue in POSB people still queue for it right


like it won't like ya !wah! yup


I also had very bad experience like with POSB I think like cause, I was like want to bank in cheque cause I close my we were one of the accounts in other bank, because of the low interest rate lah, then yup, so of course I didn't use the facility I want to consolidate into one bank will be better lah


since all the interest rate is about the same, so then after that uh so I closed the account then like is uh, then I wanted to like bank in into , to the POSB so, I mean the staff should have like tell me that uh actually


you can just bank it into your I mean the, uh quick deposit right, ya then you they let me wait you know is like three or four people just is like three or four people in front but I need to wait about one hour for the queue I mean if you had to if I have deposit into the bank account right


isn't it faster like you know they have the chequebook, ya they correct they they they ask me to wait for it know, queue for it I'm like !huh! okay, cause I wasn't aware of like we can like deposit the cheque mah so like !huh! we have to and then I then I've to wait for


I'm not sure eh I don't remember, I I remember I only remember that I this this branch is at Jurong Jurong point, !wah! I think it's like very very bad experience


like yup correct


so I still I mean though like POSB that's why that's why I say even if you have very bad experience with POSB people still goes to POSB cause of, their uh this , most people put their banks their money in the POSB ah it like the safest bank


in the in singapore ah ya , least favourite ah means I don't like, I


I think tiger sugar [bah], , I think like the is, because you know tiger sugar right is , is a famous uh famous at one period of time lah , so


then the queue is super long, then like you , you know they I think they never put their names or their number, or what is and need to have write is , very bad experience lah it means have to queue for very long, ya


they should have something like uh how long you need to wait all these at least you can come, I think is by should be by number, ya, that's why I don't really go why suits your uh ya


like the limit there's like limited drinks lah so you already know like what you want, yup so you're just eating the toppings instead of yup alright cause of the cheesy


thing I don't really like it, the milk the tea lah the


ya because for like bubble tea actually their specialised in their tea so we have to buy a good tea lah it's not the topping you're not eat you're not buying because of the topping yup


positive experience , , okay you start lah ,


positive experience uh, , okay so my positive experience will be recently I just, bought a macbook I was like thinking to, choose a macbook or , uh surface pro I mean I in the end I choose macbook is because of all my products are are from apple


then uh I went to Orchard to get my macbook, so when you go like apple store right because a lot of peoples like apple so the queue is super long, so then I ask the customer service I ask them so , since I already know what I want like what type of macbook like


the the like, the the sizes the, uh what colours or or what I want lah so, so I don't have really to have to queue so I just have to queue the shortcut lah it means within five minute they serve me so then I I get my products then I just do a payment there lah so I feel that is very good experience it because you don't have to queue for a long


, to get your products ah because like, since I already know what I want myself you, give me a shorter queue right , ya, so and they they and they will actually like tell me like oh so what is that so because this macbook have two I think the RAM cause I'm not very good at IT so ya


I ask them oh so what's the difference between having a one two five RAM and two five six RAM ah, then they told me that because I don't really use it as in like uh photoshop uh like video uh editing lah so they say eh actually like for one two five actually is good enough


then I'm still a okay yup so I'm still studying so I'm still studying so they actually give me a discount for it and I also have a choice to choose like whether to get uh free like airpod airpod lah, so I mean like ya


ya so they at least they will tell you there's a choice I mean like you knows in I feel that in customer service you have to prompt your customers lah because, they will not know like uh not, uh everything like know they know all the like promotions are what's the


what's the like latest promotion I feel that is very good that they the customer service actually update you the latest promotion and give you whatever it is lah you know sometimes like , I mean if you are too tired at the customer because customer service ah you have to deal with a lot of people lah so when you're


maybe like maybe first ten customer you will treat it like very good !wah! you will tell everything then you'll like Kena rejected then after that they will feel !aiya! like you know like you you don't feel like talking much at the end of the day ah then you just like !aiya! then just sell lah since the person already wants to get then just


sell the person what the person want lah but not, didn't like upsell it lah, ya so I feel that , I feel that they are very good at likes, serving ah I mean that's why I still choose apple as my favourite brand lah


for technology ya, correct ya okay yup yup


oh okay that's good that's good, yup correct yup


so you like uh so you recommend people starhub, okay so like uh same starhub


ya so I'm actually waiting for the iphone iphone twelve lah but the thing is out of stock I mean the gold colour because you can pre-order now but is out of stock now, so I'm waiting for it to, , to launch the next batch so that I can bought my iphone twelve


but after all I feel that, iphone is still, a very good experience lah, or when, it comes to customer service lah ya I mean, ah


yup so , , so are you going are you going to sponsor me for that , , ya , okay ah


date recently why , so you want me to ask the guy to buy me a phone, like eh where me


no eh normally my ex, normally I will prefer to go overseas lah, ya, so uh the reason I went is I mean the before COVID lah so I went uh Bali with, my ex-boyfriend


yup so ya , ya ex-boyfriend ya so then uh so actually uh booked uh Bali uh Bali I have booked a, villa, so like cause villa right is so normally you go hotel is like


their breakfast is , you have to means you have to go down to get your breakfast lah, normally lah you know right normally you go normal those hotel is like you have to go down and ya, so for for this right uh so this villa so we just have to like book the day before


like uh what breakfast we want so they will serve at a ya so that that's in time, uh, ya so you don't have to rush down like you know like , because for breakfast right, yup


so it's very good experience as in like really like really go down then you get to eat so you, is like you can try all sort of food lor like okay you just tell them eh what you want what you want, then they will just serve, ya then you don't have to like in a rush maybe you just eh cause in a in a in a villa right maybe


you don't even need to like you just wear a robe over, you know you don't have to like bathe everything then to go down cause I still feel that like image very, important , like what yup, it's very nice it's uh Bali food lah I mean you have the choice of choosing uh uh english food or


english english food, or like a Bali style food lah so I feel that, yas, ya correct so I quite like it lah


so when come to I mean I'm a very I I I'm a very service person lah I I've been the prefer to being served well lah , yup correct


so do you have any experience like overseas or what like a meal , so when yup yup


so you are the person who likes to like the the expect your that means uh , presentation of the uh the dish is very important to you lah, yup so that it's cause sometimes


like uh presentation of the like the food right it will bring up the ambience lah like you feel that eh like not bad ah the food I mean before you start eating you feel that is good, so like uh so you saying singapore as in which part ah like which like


cafe will you recommend, okay okay okay


so you go there for a date lah , , eh don't bluff lah , , you real or not so as in so as in so you go there it's so is just casual wear lah you don't you we don't have to really wear like formal wear lah


so then after that, where do you go as in like after the #botanic garden# do you like bring your date to a bubble tea


eh you still like bubble tea ah, yup (uh huh) okay


eh what what you like about the tiger sugar,


so eh what uh so what as in like you every month, you get a, go go go out for a date then you go bubble tea , , ya because, (mmhmm) from where


so as in from what type from tiger sugar, okay I should try one day, I mean I do like uh drink bubble tea lah normally I will go is like, koi liho, gong cha the, ya the common brand lah I mean I still actually I still miss like those old school days like the sweettalk


yas, so when I was in like primary school eh no secondary school I think is started bubble tea I think is when I was in secondary school so like the bubble tea I always order every day ah without fail, going buy bubble tea , so my pocket money actually goes to the bubble tea ya eh it's quite cheap you know it's like you know last time the sweettalk is only


ya one fifty the most like you know you drink the oreo ice blended uh the most is two dollars only, ya so actually


yup correct I think I can make a I also can learn how to make the bubble tea, , !aiya!


but it's quite difficult lah you know not like as it is it not as easy as we think I think is better for the professional to do it, ya , ya most of it closed unless they like they open with the food shop then they will have it


lah, ya I even go until like Changi airport just to get bubble tea, ya it is open so I, [orh] ya you see the love for bubble tea the the bubble tea is the the, alley


that one I actually have it in uh malaysia it started off with malaysia how I know this brand actually is from malaysia, so whenever I travel overseas right I will , go to like malaysia to have the bubble tea lah the the alley so when is like singapore uh open uh I quite happy ah


it's actually taste about the same as the tiger sugar eh tiger sugar ya ya tiger sugar, ya, it's only open in uh Tampines and Changi airport, ya in singapore


[orh] okay okay ya, okay okay so I think I'm, , buy uh from malaysia !aiya! (uh huh), , ya recently I went to try their food lah uh so


to , to headline my uh to get apple stuff again , , I think I always I think I I I'm I'm a super fan of uh apple lah ya so , so after like so after like after I purchased my apple's product so I went to have beauty in the pot


ya so actually beauty in the pot is uh they are actually famous for their service lah, ya I mean is is a steamboat but they are famous for their ya ya ya you are actually paying for the service ya, so you whatever you order then they will serve you then they will you know


after they serve the food right they will bow, ya they , ya a bit too uh , not like singapore like you know they are quite too manners like ya so they have


so there are food and they serve well you know then example you don't really know how to cook like a dish lah, then they will tell you tell you that [orh] okay this fish you have to cook for five minutes then they will, they will remember know like like actually you put the fish, like in the in the in the


in the pot right then they will really come back like five minutes later eh and then say your food is ready, you know is like quite nice lah I feel like, like you know not because they have to serve a lot of table who what would they like remember you so they actually the thing is I think maybe because of the management they manage it well like they allocate like maybe this staff like [orh] take care of this like five table then another staff will look for another five table


so ya so they manage their like customer well then is a very good experience even you want to like even it's like you you need to pay for the service charge and GST you are more happy more than happy to actually pay them


ya so I mean like eating steamboat have like in singapore I think like for beauty other than beauty in the pot actually haidilao also serve very good services lah, ya so ya so their service is like


I mean you really don't mind paying extra you can even ya because even have member then , and they always give discount like example for beauty in the pot right they will give you the they don't have member but they have the, like after you, uh had a a meal with them they will give you a voucher like thirty dollars off


it's but then is have to eat it uh during, uh the the non peak period lah, ya, so it it gives a way that uh to increase their customer lah so it's like, they give you the voucher you no choice you have to go back again right


ya so for haidilao is, ya so for haidilao I always I think after because I didn't get to eat haidilao during the circuit breaker lah so once it's opened I think I had one week


went three times of haidilao because I'm the member of the haidilao lah , it ya so we have, ya because they have discount and everything, so you just order then you can get what free meat free then they have their what soup all this is like free everything is free then might as well just go there for a meal ya !aiya!


finance related topics, okay so , or <P2>mei hui</P2> you can start first, okay okay


okay for me myself right maybe uh takeaway is that, for the last five years it has been rather consistent it's, those years before the five years as in just came out to work if I have the financial knowledge earlier I would have start my investment and saving


earlier than before and also decide wisely on the, purchase decision on what I want to do with my spending because some uh I feel that it's a waste away of money doing things that is not fruitful and, it doesn't count to anything it's not building friendship it's just only spending money unnecessarily which can actually be part of the investment in my portfolio and that


but that happens more than five years ago however to the newbies to the those fresh graduates the earlier you learn about how to handle your own, incomes and also how to, apportion your money the better it is


okay ya pass back to you


for me it's a mixture because I believe that we still need both as in for the financial advisor portion right we have got, someone it it'll be nice to have someone to actually craft out the goals for you to work together to sit together to see what is the long term goal that you are looking forward and also to actually build a very healthy retirement pictures and also on the apportioning of the emergency funds for different purposes


ya and, for the DIY right uh there are downsides to it because if you're looking at term insurance the age limit it only stops at about sixty five years old compare to, getting it from the health advisor than it would last to eighty years old and


for but but then again for personal I think it's good to have liquidities on the savings , because you wouldn't want someone to actually force you on those term insurance even though how much they persuade you so uh the the the bulk and the liquidity the flexibility that you have for personal planning and and you can


spend it at your own discretion you would determine at which point of time it's suitable for whichever purposes that we are looking at and , at the another portion that I think we can do it on our own is being a retail investor because we could save the agent fees quite a lot as in going through an agent probably they will they will also deduct a certain amount from you like those


trading ETF they will actually deduct a portion and if you could do things on your own you can determine the the the best moment for you to do the investment I think that portion could be saved, , you don't need to pay for the advisor fees on that


ya that's, that's my take on it


investment linked plan, ya


ya I I would totally agree because that time we have a make believe that by putting aside a part of our money especially in the emerging markets we'll definitely be getting more returns than what we put in but didn't we uh we didn't know that uh certain charges to it


and and the and it's totally not worth the amount


okay


oh okay for me right uh of course everybody is talking about looking into, six months of incomes just in case, ya uh, there are some impacts on the job security but for me because I do save however when


there's a moment or there's a chance where I need to use money I will use it and then uh rebuilt my savings again, uh so I I wouldn't say it's fixed but then certainly you save it for certain purpose right so ya uh it'll comes when we need it so what however I I do have a separate bank account for me to put aside a certain amount of money for spending the rest will be for savings


so that amount it will automatically be deducted from my bank to another account at the beginning of the month so I use that to, pay for the credit card bills and also all the minor expenses and the utilities and for sure we each will need a small amount of insurance


as in a backup saving for future be it the term and or the life insurance which I have both, and putting a very nominal amount in each and also for the investment portion I will set aside, an amount of money which is a fixed amount for me to actually


middle with shares ya


uh


but I'm curious uh how do you spend your money which expenditure is justified or or or what are the things that you feel spending too much on


for me I I always try to justify my spending by telling myself it's totally necessary like for the children enrichment I would say that oh okay it it it will be easier for me in future because maybe I will save the time and the trouble of


and the pain of trying to guide them so it'll be good to have a better head start and that's how I I agree to myself in spending the the amount of money and, another is on the professional skill development all these courses I actually ya it's not cheap those courses are not cheap but then I tell myself I if I could bring some improvement in my life


probably it's worth the amount so ya these are the things but I try to justified for it which I know I might be spending a bit more than, what I should be ya


but , what are your thoughts on post COVID world on your spending or on the finances on the expenditures , ya agree


ya and I I believe a lot of it is beyond our control like the rise in prices because of the limitation on, because of the capacity like for now right even for enrichment classes if they reduce the intake surely the


course fee will go up if they reduce the amount of the visitors numbers to zoo to those theme parks surely the ticket price will go up and and then we also see another problem which is the the lack of contract workers


the the, insufficient amount and also the space that we have to accommodate, we have to , give them as in the individual room space and the working area so all these comes with a cost and someone will have to pay for it which is the consumer, and and I will expect an increase ya I will expect an increase in all these prices and I believe that it's not about the saving but then maybe to reprioritise the spending decision


ya and and, but in the meantime we learn something because like we can leverage on technology to to actually save money we can we can communicate online so we don't have to waste on the transportation and also uh


actually there's a lot of help like with the technology right it's really time saver so we can do without a lot of things we can do without maids we can , we can do without a lot of additional help because , from the internet right if I were to fix my tap I can actually find information online so I don't have to pay sixty dollar to get someone to my house to actually help me with my tap ya these are the benefits that I can see ya because especially during circuit breaker you couldn't get help and and this push you to actually find out more information on how to do things on your


own ya which also in a way it's savings like penny saved is a penny earned ya, so to wrap things up what would you, say about your financial personal financials


okay


okay I guess the more we learn, the more we'll be able to actually use our money wisely this is my personal take on the managing personal finances


so , oh I want to share uh, maybe let me share one one thing that most recent that disgust me it's someone in the supermarket which I met she's being very inconsiderate I think you have


seen, the video circulating online on someone opening up the, egg trays and then changing eggs so what I witness was someone opening up the box of grapes and then switching around I'm not sure what she's choosing but definitely in each pack there will be certain defects


I mean can't be hundred percent good but then she's actually picking and choosing and no one is stopping her, for me maybe I don't want to run the risk because if I'm tell her off what if she turn aggressive and you know in COVID situation you never know who is the asymptomatic carrier but still it disgusts me because at this point all the more we are into


the hygiene of each individual and also each of us will play a part and, for her right I think she'll compromise because what if, the other person who purchase the grape did not wash and start to eat right away from the box I mean it's still edible and we'll never know it's just that


I feel very disgusted by it ya, how about yourself is there anything that, displease you


I think it's part of a tactic to to to use it as a cover up for herself


maybe she just finding excuses to redeem herself but at least you could exercise the option as in you have a choice on whether or not to stay on to a job because for me I think what's the worst thing I came across in in my


in my workplace right on previous workplace is the sudden retrenchment, during the last economic downturn because uh I I I'm I'm being asked to be the one to announce the name and to get the person to pack and leave so the the kind of resentment that they have right throwing away their name cards just give me up everything they had on their desk I mean


really slamming it to the, the to the rubbish bin and and the hatred that they hold within them even though they didn't scream they try their best to remain calm but, but, definitely I can feel the unhappiness within them because it's very sudden and at the point of time where the market is not good


getting out of job is actually a very serious problem to a family especially those who need to who are the sole breadwinner of the family then it will be very terrible for them and with that actually I lost sleep for more than a week


keep thinking running through the whole thing over and over and over again people misunderstand me they thought that I would have prior information on who are the name on the list but I do not and I don't find a need for me to actually explain because I'm equally hurt by the incident


just by being the one who witness all this happening , the whole emotion is is very terrible it's actually weighing a lot on me in my mind and everyday even until now, so now looking at another COVID crisis it actually worries me even though I'm not in the same firm but


we know what companies can do, and now especially a lot of companies they're they're cutting cost, so they are actually, some if they're not doing well with their business is not good they might micromanage the staff


under the name of contact tracing safe distancing they can issue employees with wrist band or lanyard to trace their location to know who they're mixing with where they're they are in, in different point of time and the software company they are selling applications to the company's


with the promise that they can actually monitor the efficiency of staff but actually, in a way I think it's an invasion of privacy because they would take screenshot occasionally on what the employee's doing which are the application that there are on how much time do they spend on email itself how much time on browsing what if you are you're


entering your bank account then all the information will get leak out I mean, for that I'll feel that it's a compromising of privacy and they are actually monitoring it, or I would say micromanaging it because they will monitor even to the extent of the key stroke that you make in a computer itself and this is what a lot of companies are selling and moving into so that they can monitor the cost


closely and also monitor the employees on what they're doing and for me it just worries me because the anxiety of getting someone looking into what you're doing taking screenshot watching your every move


the thought itself is not comforting it's not I I won't feel comfortable but then again I I can understand because companies are moving toward working from home definitely, they want to know, uh what their employees are doing and to be accounted for each position in the company to a certain extent I can understand but then again I will not be happy to have this software installed in my computer


this is this is, part of the part of the technology issues that we will have to face in future, ya


what are your thoughts on on that are you will you be willingly accepting the software, or you'll be like me standing in, another line where I'm rather against it


then again because now I think the a lot of focus is on the healthcare worker on how hard they work but at the same time I do have a negative experience with the healthcare services but at the same time I feel very helpless because I will relate it to my grandfather


that time he was very weak and he need help, assistant to go to, the washroom and so each time we will have to trouble the nurses or someone to bring him to the toilet and to save their trouble right they just sedate him so that it's easier just putting a catheter so he don't need to walk and over time he get weaker and weaker and he eventually he could not stand up anymore they're fighting war I


understand but then, at the same time , uh they do have their limits and we all also have our the limits because for myself right I can point it out but then what can I do I did nothing I I couldn't I couldn't be there for him at every point of time helping him and we all have to agree to the decision that they made


and, I feel that it's very unfortunate


but I defer to think that sending them to private hospital would make a difference in the care, given because I don't think they will assign someone to actually fully pay attention on every needs of the patient


I guess it's the capacity that we have in singapore


so even, regardless of which hospital right I think there's a certain limitations to it to what they can do for us


positive experience okay , so uh maybe let me share about my positive experience I feel very lucky to be born in this current era and especially like right now uh


having a baby in this era as well because uh , I find that everything is actually so convenient for me throughout the pregnancy process I got all the information I need then I get invites to the seminar to listen to learn about how to take care of our children what to go about with the confinement the whole process has been actually


map out for me so I know what to expect if I were to think back my mother's time she wouldn't have all these information ready and anything that I need I can search from the internet we have internet, so ya I found myself very lucky and also, on the


confinement process right right now it's so convenient I keep telling people that I feel very lucky to be in this current time where uh we have think up delivery so you don't have to, cook you don't have to engage anyone to prepare anything they will just deliver and hang it at your doorstep and also ya I love confinement herbs so ya it taste very well and


for me right uh because they also do have this uh TCM we believe in TCM but in the past it's horrible you have to bring the herbs home and then have to keep it boiling for hours , and now it's so convenient pack that you know they came in sachet powder form you just add in hot drinks and then you can drink and another is the pill so


the TCM physician right will actually come into your ward to take pulses for you it's it's really ya all in one one stop service for you so they send the drinks to you send the herbs, herbal pack for you and another another pain is the confinement shower you know you have to boil the herbs as well


for the shower but right now ah they have this, convenient pack where you just need to you need to put it in the pot for three minutes and that's it, another is on the facility, ya oh I I'll feel myself being very lucky and and for now right even the infrastructure is there with all the equipments the medical equipments where


they can monitor your health to make sure that, you're in the right status so uh the death rate is definitely much lower than before and on the, on the country itself the infrastructure is there so it's everywhere is stroller friendly you will see lift you see slope instead of in the past you have to carry the pram and walk up the steps now


you don't need to worry about all these anymore we have also got the internet of information where you can find a lot of things and you can join the whatsapp group the mummy groups on facebook group to find out information to do discussion , and


also another is the support group from the hospital itself they actually monitor every milestone of the children unlike in the past and, another thing another secret is that that I find that we are very lucky is because of the carousell apps where you don't have to as in you don't have to worry about buying equipment for the kids because you can actually


sell it resell it or you can pick up bargains from the apps itself this is what I feel that ya I'm in a time where, everything is so convenient for me, and how about yourself


ya essentially the building blocks of happiness that that uh comes up to be the whole , experience ya and uh I'll totally agree that ya we got all the technology and we didn't know that we have been building ourselves for it like we got all the PCR QPCR machine that can detect the DNA of the virus and singapore actually has a lot of such equipments and


current at current time it's really, every every equipment has been use up and has been put into good use and we are still making for the world to save for these purposes I I am I'm very grateful that for us to be in singapore where , a lot of thing has been planned for and provided for and also the vision of our leaders they actually see very far beyond myself beyond what I can comprehend like


people were talking about the mask then uh I I wouldn't, I wouldn't have thought of the mask the surge in prices or why not implementing everyone wearing and then they they they actually bring through the whole process thought on on the prices and everything before they come to decision on when and where they should start implementing the mask wearing


and another is touching on the technology development , contacts, what amazes me is actually, uh I mean I'm I'm coming out of this topic but then it's still a very positive experience for me uh what amazes me is the home automation


the current technology enabled us like uh alexa's and also google they actually can connect all the system in your house wirelessly so through the voice recognition right you can build a smart home, uh getting your ceiling fan on


closing the door turning on the aircon then even to vacuum the floor with the I robot, or play music getting information ya, yes


I think it will scare them if they suddenly just the the equipment just move on it's own just on and, ya (uh huh)


so never need to remember password, , yes


but


I think the whole experience oh you can you can slowly bring in all the all the devices because, all the devices has to be technological ready for this change and it brings me to the second point why it amazes me because I think


china is really amazing they make is so convenient that you don't need to be an IT expert you don't need an electrician to actually help you build this in you can you can do everything on your own and I managed to set up the whole CCTV system and also my door lock


using xiaomi application and it can also connect to the water boiler then it connect connect to all the equipment even though I haven't have the whole set of it but I'm amazed and, and talking about the door the, the door viewer it can double up as a karaoke system because the screen itself right not only can show the face of who's coming it send alert to my phone if someone is near the door and ya it can double up as a karaoke singer so


uh


it it works totally just like what you see in the KTV, so so you have all the lyrics then you have very good sound system to accompany just that maybe the screen is much smaller ya but still the overall experience is very good as in the technology that that it brings us is


amazing and, I'm looking forward towards five G where everything will go even faster than before , ya and another, another will be the google assistant google assistant you know , now right you need someone to schedule appointment for you for an haircut appointment anything you just shout to the google assistant and it can actually find the slot for you do the calling for you


and also the speaking for you and, the other party wouldn't even know who's the other is it a real person over the other line, ya this, is all the development that really amazes me and we wouldn't have all these


if we're talking about ten twenty years ago, ya


and and for someone who love music as in my favorite activity is actually listening to music ya this will actually be my, the source of happiness as in it can really raise my frequency and also regulate my emotion throughout the day


uh I can can you hear me I can hear you , will sync but but I couldn't hear <P2>ming hui</P2> so I may need her to ya, on her mic


okay


yes okay so sorry, I I I I couldn't hear you after the part on google assistant finding information, uh I


after that I I I didn't quite catch what you're saying,


uh so what are the dishes that you you think you're proud of showing


yes I can hear you, her mic is off is it, oh, oh ya ya the web cam but the the other computer could it be


screen, hi <P2>ming hui</P2> sorry ya I can hear you now, okay yes


no , ya ya ya, agree, yes it is


twenty minutes, alright, okay, okay


ya sure, okay so uh just now we're, we're talking about we're talking about cooking and also uh your the the dish that you you feel proud of


the dishes


okay, okay ya


okay eh I I'm still uh I'll be still be working from home this month but next month I'm not sure just that uh actually, for the food itself right, uh I I think for me the proudest moment would would have


been that because all along I thought that my weekend is more busy than weekdays uh with my kids uh, they they are calling for my attention as in I couldn't even sit properly for my coffee or anything so I thought my weekend is worse than weekdays until the whole situation arise where my


it seems like my weekend and weekdays on both mixed together combined into a single day I'm running everything at the time and I didn't know the , the the efficiency and the time saving that I could actually bring in incorporate into my daily life which is totally amazing for me right uh I I'm making use of my air fryer and steamer mainly so that I can watch the time


of my cooking I I think so long as it's edible it should be fine then ya taking into account the nutrition maybe to have a variety of food but then at, at a controlled timing and that would be great ya so this is what I feel proud of for myself because people would have think that ya for three kids you definitely need a maid need someone but for me I think I still managing or I'm still on top of it ya and


so, uh you mean you mean I'm the only one , oh okay


for me I think the whole block of, the experience especially the positive one will be the skills that I built


over time, because each time when there's something learn to new each day where something fresh something different happening then it just marks the day and it's, very rewarding uh and fulfilling to overcome all the challenges then you you feel that you're on top of things but


at the moment when you thought that you are on top of it another new challenges arise and and it's like playing a RPG game where each day you know you do not know what to expect but then equally it's very fulfilling


and how about yourself


using using using youtube videos or or how how do how do you how do you manage, self mastery


yes it's really the learning experience


finance related topic okay you so uh do I start first or you want to start first I start first ah so we just


probably we just uh go through the questions like after I finished my first question then I pass it back to you to continue then we just go with the flow lah okay, so the number one question will be uh what's the one financial advice that, you will give to you five years ago so personally for me right I think my one financial advice that has been very consistent throughout the years and even till now which I'm try very hard to keep up with will be trying to splurge less and save more


so for me I have these addiction to uh I would say games so I tend to top up quite a fair bit for my online games so I, really hope that I can splurge less on that and try to save more on my income so because I'm thinking if I can sort of like don't splurge so much on topping up for games I can probably save a few hundreds more per month that's for me so over to you please


, okay


okay so the second thing will be should I DIY or get a financial advisor to plan my finances , okay personally for me I as you know right I'm I'm not a very DIY person in terms of you know planting plants or you know drawing things really I hate to do DIY so for finances I will for myself I will actually get the financial advisor


to plan my finances so if but the thing is I know we have one common friend who actually believe very much in handling her finances by herself what I know was she actually went, to you know google all those things that she needs to to know and end up I know she purchased different insurance uh and financial products


from different financial institutions so I think that's very good if you are a very hands on person and you you really, you know you you can invest your time in searching for all those information but for me uh I'm a I'm quite hands off so other than having just one savings account for myself


the the rest of my financial products I just actually go to one agent in uh for in one financial institution and , she she's quite trusted lah because she's my friend's insurance agent for the past like thirty thirty years plus from her parents' era until our era so she will help me to take care of my


financial finances so seventy five percent is on her and twenty five percent is on myself, in terms of planning my finances but then if you are a very hands on person so ya I will say that please go ahead and do a DIY ya so that's all I have to say back to you thank you


agree, ya yes yes yes yes totally agree


, , that's true


I, I agree ya I would like to add on ah before we actually just go out to look for a financial advisor which which is what I I did I would like to say that uh please at least I mean even for such a lazy person like me I will still do some research on