so it was at that point of time then I, I also decided that you know like maybe I should upgrade so, it was then I, where decided to actually request for another uh, debit card lah which the one with the chip and all that, but what I realise is that after I have that card because it's very easy and now uh you know there's no one actually restricting me like


I do not need to ask my parents for money because is my card whenever I want I can swipe I can just put it in the chip in, so then what happen is that I realise that uh I will not control my spending then lah, so because it's very it's very convenient mah like you want you just tap or you want you ya so, that was a struggle and then uh


it's been a struggle for quite some time lah especially uh, I think you know back then when we are not earning that much also, so, but after that I think, uh, a few years back I was thinking of how to spend better like instead of just spending everything


and then I was looking at some of the different banks so I think like OCBC got uh this uh three six five account, which my mother said was good lah because uh I think there's like the interest is quite high for that, then I was also looking at DBS multiplier account, so I was


I think like for a few weeks I was just debating between these two seeing which one to go for, and then finally I chose DBS multiplier account, so for my personal finances how it work is that, uh because I've been using my POSB everyday saving since young lah


so that is still my spendings account uh because I think DBS multiplier the interest is better also, and it's also it depends on how much of those options you're using for example I think , if let's say, your I mean as long as your pay is credited in right so it doesn't matter how much is your pay


uh as long as your pay is credited in uh, then afterwards, that is one of the criteria you meet already another criteria is that uh you have to I think you have to spend lah, so like , I think the purchase doesn't matter but you must use their credit card


so these were some of the things that I saw and the thing is that it doesn't matter how much you do in each so it doesn't matter how much is your pay doesn't matter how much is your uh credit card spending as long as I think your maximum is as long as it's two thousand I think, ya so as long as two thousand you have you uh start getting a certain number of interest lah so I think it's like it starts off at zero point zero five for meeting down the criteria


and then it slowly increase to maybe like zero point seven for one criteria two criteria is zero point nine, so actually it's uh it's really quite good uh, so what I did back then was that, I also got a, a debit card no I got a uh credit card sorry, from uh for my DBS multiplier and I got the SAFRA one lah because from NS we have the SAFRA membership right so


so that means that I don't have to actually pay for my uh membership, for the card itself, so there's no like annual membership what I do is, uh it's just given to me until my SAFRA uh membership ends itself, and I think it's quite useful lah I mean because I live so close to SAFRA and so so what happens is that I got those benefits I can still use the points a lot


and also uh if you go to mcdonald's there's also the free apple pie or sundae lah, which is good so so actually for my DBS multiplier why I choose it is because I also like to do investments so what I did was that, I would actually so I I'll meet three category last time lah


whereby my salary will be debited in, I would spend, I would make I would make a purchase on anything lah using the card and it could be anything like uh you know I can just go seven eleven buy water or go cheers buy a sweet, so it's counted also, and then uh because as uh


ya because my my pay is over the two thousand limit already lah so it would definitely hit the criteria either way so I don't need to top up for my other things and then the last one was investments, so for investment wise , what I do is that, I think I have a few options lah so one thing I looked at was the singapore savings bond


it was so the good thing about that was that , it's very low risk lah, just that I've to wait for probably about I think ten years or so in order to get back the full investment, but then if I'm going to like take I mean I can take out halfway but, is is designed in such such a way that it's better if you keep it there longer lah like the longer it is there the better it is


and then uh another investment that I do using my uh savings account, would be this thing uh called the think it's the nico fund ah, it's like the straits times index ya, so what I do is that uh, it's like every month I will put like about hundred dollars inside


so it's it's like a giro kind of thing lah so every month just hundred dollars just goes and then, so that that is be counted as my investment so that was how I met the third criteria for that account itself, uh but what I realise recently is that for that particular investment strategy that I was using uh


it's only for one year period lah, so after that one year period right now I'm back to only uh meeting two of the criteria basically my pay and my uh credit card spending, so ya so I called up because I was not really sure about it and then they mention uh because it's been more than a year


so if you want to hit the criteria again you have to invest in some other account lah, so ya, so that that is about it lah for my credit card spending ya so now I mean if you ask about my cards I have, I have, one for my POSB


and so my POSB is right now my spending one, my DBS multiplier is my savings account, so basically what I do is that every month my pay all gets credited into the DBS multiplier so that's how I get the the the interest back you see, and then what I do is that every month I will transfer like a certain amount out from my DBS multiplier into my POSB everyday savings


, correct ya so basically what I do is that I mean uh I think for me for myself lah the POSB everyday savings I think there is a daily balance limit of about, five hundred dollars, means if ya so if you below that five hundred dollars means everyday must pay two or something along those lines lah if I'm not wrong so so what I do is that that five hundred dollars is my balance uh I make sure they like I make sure it doesn't go below the five hundred dollars


so I just top up whatever for that month is my budget so I just top up that amount for that month lah, so at the end of the month I mean if I mean towards the end of the month if I see whether I, if I exit the budget then afterwards uh


I will have to top up as myself lah but it means as a reminder to me that eh I'm topping up again like you know maybe the twentieth of the month or maybe twenty first, so but the thing is that I mean the good thing is then I am more aware of how much I'm spending lah, ya so , ya that's about it lah I think


for my card choice (mmhmm) I know right (ugh) (uh huh) nice oh okay ya correct ya oh shit (mmhmm) (mmhmm) ya !wah! nice


that's damn understanding of them lah, (mmhmm) okay ya ya kay okay ya correct (mmhmm) okay !wah! okay [orh] about a year lah ya kay cool that's why (mmhmm) (mmhmm) okay ya okay I see I see so


I think in terms of like investment wise uh I mean to share, I think for investments I I have explored a few of it lah, so in terms so, I think like I mentioned just now the most safest one that I have, invested in is uh singapore savings bond


I but there is like I think like a minimum uh it's it's quite low I think it, if I'm not wrong about hundred dollars or so but you got to wait for ten years, but the thing is that it's low low risk lah I think, bank ones are fine, but the think about banks is that, uh you I mean you


so there are some there're some people who think that for investment you got to you know time when the market is like, just right, then you just put lump sum sometimes people will think to go about it like for, you know like over a period of months where every month you just put in a bit, so the thing is that because uh I don't think I I mean I don't have that much time to also study the market and all that lah so so what I do is that


I do this uh like aggregate kind of thing whereby I just put uh, like a certain amount into the as I invest certain amount every every month, so there's a good and bad lah I mean the the bad thing is that end of the day I'm still not learning about investment uh the good thing is that I mean because it's bank I feel it's more safe lah


that that's one ya because I also got uh I mean I also have invested in like robo advisors so, it's basically like this there are you know apps like as in like stashaway some other apps also whereby, you put in the money and then they would help you create this like risk appetite or like uh risk uh portfolio


so how much of risk I'm willing to take and then based on it they will determine like, you know how much of let's say uh amount maybe let's say for example we give uh two thousand dollars lah, so then they will say all these two thousand dollars how much should we invest in like you know like maybe like bonds or how much should should we invest in probably like you know gold or some other like commodity and the thing about that is that


uh how to say ah so like for my bank one it actually, it depends on singapore's economy itself but for my robo advisor's one it depends on , the whole global economy because they also invest in like for example uh in like singapore in US


so sometimes uh the things whereby like if let's say now US not doing well right, then my money also go down lah, so I think like for uh in terms of COVID uh what happened was, I think there was this point where I mean right now the market is is fluctuating quite a bit lah so there was this point whereby that it actually went quite low


so I mean it was a big moment of panic lah and the thing is that because for my uh, for this stashaway uh app right it it actually, shows you the market I mean it doesn't show you the market but shows you how how well your investment is doing, but for banks I don't see that all I see is every month my money goes


and then like I'm not sure how is the market doing or what lah so, ya correct so but there is good and bad to it whereby that, when I can see the how my my current investment is doing on the app right, there's this panic also lah you know when you see uh your investment dropping


so there're there's this points whereby that, I I am making a loss already lah I let's say if I invest two K and then my my now my current uh investment is one point eight right, means technically I lost two hundred bucks then I'm like, eh like you know like is this the time for me to actually like you know like just withdraw everything while I still can because I don't want to lose any further what


but then I think then uh, so one thing good that banks don't do that this app does is that I think the CEO or what will actually like send you emails lah like, kay look I understand that right now your uh your money is going down, but then on the long run actually it could be increasing then he'll show you some stats of how uh previously like you know previous crises


how actually the markets have changed and how will , I mean the end of the story is that actually we actually come out of crises stronger stronger lah, so ya so I think he was more of like trying to uh encourage you to just leave the money inside, and think of it as a long term strategy lah because if you make decisions based on your emotion or on this like short term strategies then


ya [lah] basically we will just be losing money here and there [lah] I mean it's just short term gains, ya so that's be my experience from investment [ah]


part three negative experience, okay ah ya (mmhmm) ya (uh huh) (uh huh) !wah! (mmhmm) !wah! ya correct that's why (mmhmm) ya ah !wah!


sounds I think I think for me also the struggle is when people are very pushy or what right or like you know they just very focus about the selling aspect of it they don't really care about your customer service or what, I think uh I think that really annoys me lah, I think for myself one of my worst experience in terms of


like a holiday right, would be I think uh, a recent trip I took to india lah uh with my family I think, it was, worst experience because there was problems along the way lah I mean the whole trip was problematic ah, so starting from singapore itself uh


not sure that I got tell you this before or not so like uh my whole family we're going to go take the flight right so we we're checking in and then what happens is that uh, so I think we were so we were going to india and what happened is, they I think india has this new rule whereby that if you're above a certain age and if you have this like


visa like I think it like dual citizenship visa like a overseas uh citizenship of india visa, what happens is that you need to bring all your previous passports your indian passports as well, which I mean it, it does not make sense because you only need your latest passport


but at the same time this information was not given was not uh like broadcasted to everyone lah, so, my father has the this overseas citizenship, of india uh thing lah and then the thing is that, he only knew about it at the airport itself and the thing was because


I mean my family got five of us and you know like with our luggage and all we can't just take one one taxi or what right we can't grab so we took two grabs and, we actually we arrived okay will not say quite late lah like we had spare time but when we arrived then my father know about this you know like this hiccup


and they were quite strict about it lah saying that you have to go back and take, and then what happens is that like, then there's no choice lah I mean my father has to do it right then it's like like is now wasted trip we come here now must go back then come back again and that's three trips eh and we don't live close to the airport lah so so what happens is that


uh so okay so my father went back to go grab all his stuff, and then okay ah so never mind because we had time so we went to get coffee nearby, and then uh so but meanwhile the woman said she'll be holding uh on to she said my father can still board, but she will just uh hold on to his ticket first lah


then after that when my father came back uh what happen was, so I think by the time my father came back then he rushed then he try to give and everything, and then the woman said that she actually removed my father off the flight, then, then my father was a bit pissed off lah like you know like, you what do you mean you remove from the flight you like you told me it's possible


and my father actually went went back home and came back that's three times the distance, only to hear that he's been removed from the flight, and I think uh, okay lah so I think it's air india lah and then they were quite rude about it lah like you know like okay no lah I remove you means remove already uh there's nothing can do about it


and the thing was that, there were we were not only ones lah there were people behind us who also like face problems from that that same stuff also, so that was how it began and I think when my father tried to like negotiate you know like like, can you like still do something about it because


based on your instruction I went back what, and then afterwards uh, she I think her I mean the way she replied was quite rude lah it was like you know like, you are already off the flight, uh do you want your family to proceed with the flight or do you want me to remove them also, which was quite rude and I never expect lah I mean the thing is that


it's like we we already have our ticket eh what do you mean you going to remove us like is that a threat or what then, okay so never mind in the end uh, we we realise time was running lah so we admitted ya because we were being delayed also so my father ended up uh, having to take another flight to india while we went first


so we had to run and catch the flight and everything and then once we go to india so actually this india trip was for my sister's wedding preparation lah, and then what happen is that, when we go to india uh so because they actually so they actually had a previous trip my sister and uh her fiance


where they actually wanted to go print wedding invitations, and because I think in india it's cheaper lah and, and the design is better also but, I'm not sure so I'm not sure why they exactly went to this particular shop, maybe they do well lah uh but what happened is that so they went about six months ago you know be uh like their pre ROM wedding photoshoot and all that and then they also went to do the uh choose the design and everything


and so since then for the next, six months until this india trip they've been uh going back and forth with the you know the english to tamil translation and everything because like they would say this is the uh correct way then they will make uh some mistake and then they will send back then it it it's this whole thing about correcting the mistakes lah


so what happen is that uh and we had no time because we had a very fixed schedule for the shopping and all in india, so what happen is that, when we landed the first thing we do is we went to go and see uh, this wedding invitation people lah, and tried to get because uh I mean that's the most important thing what I mean for the wedding itself if you can't invite people how to go to the wedding


so what happened was that when we went down so it was uh, my father me uh, my technically my brother-in-law lah, and his father so the four of us we went down, and I mean you'll be amazed because, technically when we went there we realise they haven't even started on anything


and we were there to collect, so so I mean it was frustrating lah I think I think my father was annoyed and uh, then he was saying that oh no because you know like some uh political figure or someone passed away recently and so


we like we can't really get the product you know like I think because I don't know ah their so apparently their invitation they wanted some textile, material some kind of fabric and they say that this fabric will come from another state it will take a few days and and we don't have the time lah, so in the end, so after what happened was that uh my father and I


we went around to like those uh you know those textile uh textile shops selling those sarees and all that and then we had to figure out which are the colour and I tell you my I don't know why my sister wants this particular colour of she wants blue and silver and I I have never realised how


difficult it is to this get this colour combination because , so we went to a few shops lah, so like you know those shops that sell sarees they sell the textile material right and what happen is that , I think, ya they have like blue and gold but no my sister wants blue and silver or you know like they have like blue and silver but its look like polka dot but my sister doesn't want polka dots so it was as in she wants this like feather feather material kind of type like those peacock feather kind of thing


which I mean it looks nice but the thing is that if they don't have they don't have lah what you want me to do, ya and then so in the end I think we finally went uh so we went up and down a few shops lah basically and then we found one, which so it's a bit strange because we are paying for the wedding card


and because of their inefficiency then now we have to also pay for the material, so so basically we're paying for the material so that you can do your job, and then afterwards then we still need to it's like, a lot of micro-managing lah basically, ya and then after that


it was the whole shopping thing lah and I think it was a negative experience for me because, shopping is not really my thing lah, like I'm I'm I mean I'm the kind of very basic person lah you know like, if you want, look at my clothes you know it's just a very like oh you go uniqlo those, uh basic shirts you know the same it's either black white grey


these colours it's very easy one then, !wah! I tell you when you follow people to go shopping in india it's the number of shops they go up and come down and then, they will ask you is this nice, you know and then like you, I mean for me personally I don't know how to see whether it's nice or not lah but


so sometimes you know when I say it's nice, then he say okay never mind don't want then I'll be like then you ask me for what, so, so it's really kind of a as in how to say ah it's a, it's annoying lah like, and the thing is that I'm not even there for myself eh, like


I mean yes I I do need to get my my my one attire, but my own attire is very fast lah because, I think, mean I'm not really interested or not say I'm not interested but, I'm not really too concerned about my attire, because whatever I mean you ask me to wear I will wear


if you approve it then settled already lah then we just move on with what what what's next, but for them it's like you know you have to go like so many stores and then you go to store A B and C then you want to go back to store A to compare, and it's really a lot of walking lah, ya and I think for me personally uh


ya I think, I I am really a person who you know like don't be wishy washy lah if, you either make up your mind we go for it, or you don't uh like or like you know you don't want this we move on, so I I really couldn't stand this whole thing of you know like, let's go see this shop oh how about this and then you ask me for my opinion I give it to you and then you you do not want


ya and I think in terms of food wise also I mean, I won't say struggle like I mean I I do eat indian food lah you know it's just that it's, like you know for one whole week and because my mother's also vegetarian lah so then I'm also so because I think uh


we were finding for vegetarian food also, so I mean it can be vegetables and non vege but the same time, it's better if it's fully vegetarian lah and then I mean, so it's limited to those kind of you know like those Thosai or just rice with vegetables, ya so those were the times that I really miss meat lah


like like you know the whole idea of eating chicken right, oh I come back really whack only, ya, so that was one of my I I would say , negative experience on a vacation lah another I think


uh uh the next negative one would be korea lah that one that I think we met in korea remember, but I think uh the negative experience there it's not totally negative, one negative thing is that uh, so I was travelling with, the whole trip about <P2>chloe</P2> lah I have to travel with <P2>chloe</P2> lah and it was damn weird and then I wanted to


to you know just get out of it and then along the trip I managed to get out of it uh, but then what happened then was I also lost so I we went from korea so from Seoul we travelled to, Busan ya, and in Busan I'm not sure that you remember or not but I lost my wallet so


ya so what happened was that, I was sleeping on the bus and the worst part is that it wasn't stolen, what happened was that it fell out of my pocket, and ya and I didn't realise it until you know and because uh I think in korea there is this T pass kind of thing like our EZ link card


which I didn't put in my wallet so I so the thing is when I tap out of the bus I didn't realise my wallet was missing, until, uh I think I get down was walking around and then I realise eh where's my wallet, I was like !wah! shit because inside my wallet got my so inside my wallet got my korean ID the korean university I ID


there was also my uh my singapore IC my singapore debit card, and then like, thankfully I never put all of my korea cash inside there lah, so like I mean I because the thing is that I know if I put all my cash there I'm gonna spend it all within that that few days so I I ration lah


the but it was still still quite quite a sum lah food how much already but ya food but the thing was like it was missing, that's when I panic lah, and then I had to call singapore uh like DBS cancel my credit card then my debit card lah


cancel everything and then afterwards uh, so ya and the thing was that I think, in that trip also I I think I was, I was traveling alone lah as in I was so technically we stayed together so like <P2>chloe</P2> <P2>triny</P2> and I


but the thing was I was tired of them already lah so basically what I did was I did some solo traveling like there's this uh mountain not really a mountain some fire station mountain something along those lines, ya so I went trekking and all and, I think, I think my main negative experience there was the losing of wallet itself


and also the the lack of I mean I think one mistake I did was not learning korean before I go lah very basic korean lah so ya so I only know very limited and then, ya and so that was a struggle for me uh, but okay lah I think the wallet wise it wasn't I mean it was negative experience then and there


but eventually uh when I came back singapore uh I, I got back my wallet because so Busan police called, uh, Busan police sent me an email, asking me to go down to collect my wallet, and the thing was I was already in singapore


so I cannot collect lah then I was like how am I going to collect so I was actually this close to uh leaving leaving my money lah like you know like never mind lah what like I'm already here what can I do right uh I already cancelled my credit card debit card everything, so I do have to make something new only the IC will be a problem lah because I have to pay for new IC and all that


then I realise <P2>keith</P2> and <P2>cole</P2> were in Busan at that time, ya, so then what happened was that uh I contacted <P2>shems</P2> lah, you know <P2>shems</P2> was there right ya then afterwards I, okay I went to so she actually helped me to go down and collect and I had to had a conversation with uh Busan police uh it was a struggle because


the policeman doesn't know english, and I don't know korean, so so I had to I had to try to explain to him with my limited, I mean uh him with his limited english that uh you know I'm in singapore right now I can't come over, I have a I I have uh friends who can come over help me collect


ya and then what happened was uh so ya that was I mean it was not negative it was more of a struggle ah I would say, ya but okay lah then ya so but then I got my wallet lah so that was fine, ya correct (uh huh) ya okay !wah! (mmhmm) oh my god (uh huh) ya correct there's no maid right (uh huh) ya not defensive lah that's nice I think is that risk ah ya (uh huh) oh okay okay but I think sorry as in ya close one eye lah okay okay


but I'm surprised London there is no the the hotel got no lift or what eh like, because [orh] ya ya


like korea lah korea I had to, korea was the worst because korea was everywhere mostly was staircases lah where where we stayed, and then, oh except for the uh dorm that we stayed lah the rest were all staircases ya


part two positive experience, okay so I think I, ya I can start first lah so I think uh, in terms of positive experience or positive review


I think one thing that I've I really enjoy right now is my android phone lah my uh samsung note ten so I think I don't know if you remember last time I'll be using iphone lah uh ya but my iphone is actually quite outdated uh if I'm if I'm not wrong it's a iphone six S plus


ya and I've been using it for quite some time lah so like uh, I think since, since the start of uni lah so it's close to about maybe, five years now I think, ya I mean right now got even like uh even later version of iphone out already lah and I think


one thing that I had to struggle with was, I mean when I wanted to get a new phone, because okay so the background to this is that my iphone six S plus right uh the, the vibration function wasn't working, so if you call me I if I look at my phone I can see that you are calling but there's no vibration to it


and I'm not the kind of person to leave my phone on like general mode lah whereby the song is playing or what, the ringtone is playing so, I think it was a struggle because you know when people call me I, it's not that I don't want to pick up your call but actually I cannot see that you're calling I mean I cannot feel that you're calling unless I see it


so then I was thinking uh like, you know like should I actually get a iphone or you know like should I try a android because for iphone, one of the struggles I'm facing is also that uh the storage space lah, basically so they keep asking me to you know like oh uh clear or buy more storage space which is a struggle for me uh and the battery depletes very fast so like you know like if I go out with you ah I tell you within one day my battery will be flat already


and so then I have to carry around like extra portable charger lah, ya so I think uh I bought this note ten , around national day there that week lah, ya but then this was not on promotion I think it was about


five hundred dollars I think, ya but but I use my uh, my work corporate plan lah so ya so it wasn't that bad but I think one because, people are telling me you know like you sure you want to go for android or not because uh, there's I mean it's a very different it's a different OS itself lah operating system and are you are you able to cope cause my sister couldn't cope with it


but my father switch over successfully and, I think I've been enjoying it so far uh, so like I I think I told you some of the concerns already I had lah so in terms of like battery life itself is very good , there are days that, I mean so compared to iphone right for iphone uh I have to charge maybe like every day a few times even


I mean for my phone lah because my phone's quite old for this uh for this note ten itself there are there are days that I go by without even charging my phone and it can last me maybe like two three days, ya so actually it's it's quite good lah and then also , I think some of the things I like about it is that my phone is I mean because it's note ten


so it comes with a stylus and, ya I've I've never actually thought how useful a stylus can be, but okay lah it's it's quite fun so like I think , even while studying documents because, you know when you sign documents you need to sometimes if they want like uh if they do not accept a E-signature


then you have to like print out you must sign and then you must scan and send back again but with a note ten what I can do is that I can actually use a stylus to sign it on my phone itself, ya that saves for me a lot of trouble, and also they also have got a few features lah so


with my stylus now uh so you know last time how when we take photos we need to have like that selfie stick that uh and then you must have that bluetooth clicker and then you after you put in must click right so one good thing about the note ten uh that I feel is that the stylus is actually uh


there is this function whereby that you can control your screen by moving your stylus, so ya there's a button on my stylus and if you actually click on the if you I think is so there are a few functions to it lah, whereby that if I, if I double tap on the stylus, it opens the camera no matter which app is it in


and then if let's say if I swipe up or down, what happens is it changes from the the uh rear camera to the front camera, and then if I swipe I think to the left or right there are different functions that I could change to lah for example from a photo to a video or to a like a focus mode photo


or a focus mode video and I think there's this cool function they have whereby , sorry I forgot the name to it but what it does is that, you take a photo of like one thing, like maybe I just take a photo of this corridor right, and what it does is that it takes a few seconds maybe like like two or three seconds but what happens is that it gives you the best possible shots there are for that one photo


so for example there is a photo in that normal uh rectangle shot right then they give you a instagram, version of it like a square one and then they also give you like a black and white version a boomerang version, so that is quite cool ah and especially you know like nowadays when you go out then you want to take photos ah especially with <P2>nirwan</P2> and all that like you know you have to take a few photos


so what this helps then is that you take one photo, then I let her choose which one does she want, ya and so she has a few options to choose, so it's better than me taking ten photos this one gives you like about five or six photos lah and from there you choose, ya correct and so it releases my effort then lah


ya myself go don't go tell her lah then after that uh so I think something cool that it has it also has got this app called pen up, and what it does is uh, it allows you to do colouring or drawing and also uh


there's this thing where you can do live drawing, so for example let's say, uh how do how do I explain this oh so let's say in front I have a picture right, so let's say uh I have a picture of maybe you lah, and then it's it's a normal picture that you have I've taken using my phone but what I can do is that using this pen up app and my stylus


I can then uh I can use your picture as a background, and I can actually colour over it so basically I can make a portrait of you, using the phone app itself lah which I think is really quite cool, ya and also like you know uh


like for apple we have the, health app right, there's this health app thing so for samsung they have this samsung health, and the good thing is that because <P2>nirwan</P2> and I we both use uh samsung lah, so then what happens is that, they have this monthly challenges


where you know like when you walk it takes your step count and all that, ya and then you can also add your friends to it so technically what we'll do is that we are doing this challenge together, and it's a bit like a competition or a challenge lah because you actually I can see her progress, so so you can can you imagine like uh september just started right and then like


I can see okay it's not in a stalker kind of way but you can see like you know how many steps she has taken in a day how close am I and you know do I want to take the final steps to beat her, and then if when I tried to overtake her with more steps then she has to take more steps and what happens then is ya lah basically there's a competition lah


but then they also have got like uh, time limit you know so like maybe for example uh they want you to hit ten K steps in the next forty eight hours, so it's not like in one month is just OT OT lah like you have like I mean it is OT OT but you have small term goals also to meet along the way


and then ya so then you will aim to get this small little stars kind of thing which I think is quite cool and in a broader level I mean, ya so what happens is that


this then helps you to you know like at least get a few steps in and move about a bit lah if not I think really during COVID time you stay at home ah really no need to move already, ya, you want to share anything about, any other any other products, (mmhmm) (uh huh) iphone (uh huh) the camera thing is it ah okay okay (mmhmm) ya ah (mmhmm) okay ya ya okay (mmhmm) ya correct ya (mmhmm) (uh huh) ya (mmhmm) (mmhmm) okay (mmhmm) ya (mmhmm) oh the quality ah (mmhmm) ya ya ya ya same ya correct okay eh ya correct ya oh okay okay


so that's why you can't go jog with it lah because it will fall out, okay correct correct !wow! (mmhmm) (mmhmm) (mmhmm) !wah! okay ya correct ya


, ya so uncomfortable, (ppc) that's why okay (uh huh) ya correct (mmhmm) !whoa! correct ya (uh huh) oh


so it's selective lah like that, cool ya kay (uh huh) port right ya (mmhmm) !wow! correct that's why ya correct (mmhmm) okay ya (mmhmm) kay oh


so it remembers the connection itself lah, okay (uh huh) okay but sorry (uh huh) ah


I'm trying to convert my mum to samsung, ya so my my father converted from iphone to samsung I think for samsung phones, something I find really cool is they have this thing called bixby I mean like you know we got siri for apple right, so for samsung they have this thing called bixby


but so it works the same way like you know you !hey! bixby and then it will it can talk back to you but, one thing I find really cool about it is that they have this thing called routines, and what it does is that you can set certain routines so for example for myself ah I, uh, it's like so I mean there's two ways about it one is by time one is by place


so one thing for me is that I keep I mean my data will every time blow lah because I will you know like see the stories lah go facebook lah, and then uh so the struggle is that, I mean right now because so right now I'm on a starhub contract until end of this year but I'm switching to M one after that and


because my starhub contract was, decided by my father lah and I got got no idea what it's about like forty plus GB which I don't use everything, but, I think the the smaller one I have burst the data before lah, so for routines what it does is that when I leave house it senses the location right


that I've left this uh like hundred fifty metre radius from my house, so what it does is that, it switches off my wifi it turns on my mobile data, and then when I'm coming back to my house let's say one hundred fifty metre radius where it realises it's within the location, it will off my mobile data on my wifi


so in that sense what happens that when I'm at home right I don't need to worry about accidentally using my mobile data, because I'm either using my wifi, or I have no connection on my phone lah but the only trouble to it is that means that hundred fifty metres when I'm when my mobile data is off right on my way home


until I reach my house wifi I uncontactable lah that small time because my wifi is not connected yet, ya but hundred and fifty metres I mean there's a limitation to it lah hundred and fifty metres is the smallest that they set, but something very cool is that so now in my morning right like uh my good morning routine, will be things like my phone will auto unlock


and then it will tell me what is the time what is the date and it will read my calendar, so like you know like what time what meeting I have today what's my program for the day, ya so it really helps me to like uh, you know like because I sleepy sleepy ah then when I hear oh you have a meeting at ten ah then I will wake up already you know like !wah! time to go shower already lah cannot sleep already


so that's something really good then uh they also have this uh wind down, thing lah means I think, towards so you can set a timing so I set like at eleven PM what happens is that my phone right the colour will change to into grayscale, so what happens it helps you to sleep better also and like you know like all this uh light that's glaring at your face right


so what happens that once the light is gone then you can just uh I mean it it won't make me tired but easier to fall asleep later lor, yup, fun things


part one finance


I’m here, ya , have you heard about this rule uh the fifty thirty twenty rule


ya do you (mmhmm), (mmhmm) (mmhmm)


correct, okay so, actually right now I I'm still a student right so I don't really have much uh income yet last time when I was a part timer when I was getting my part time income I didn't really follow this strictly this rule lah I


use more of my , income for savings because actually like my essential needs right like uh the house that I'm currently staying in is actually , paid by still paid by my parents lah ya so I uh put more of my percentage of my income into my savings ya


how how about you ya, (mmhmm), oh


ya, I don't I I'm not as advanced as you lah I don't really have a spreadsheet lah so ya I just uh calculate it based on the amount that I


uh earn lah that time ya, ya maybe I can ya maybe I can consider using excel though because I feel that uh you'll be getting like because right right now I don't really have an exact


like framework as of how I ya uh manage my cash flow lah maybe ya maybe I should start using excel to be more precise on what I how much I save every month and how much I spend every month ya


(mmhmm), yup ya


ya I feel that to be more prepared uh in the future because in the future , when you are of older age right you won't be able to work ya so in order to be more prepared financially and do not uh burden your


children in the future like you must we must be self sufficient also in the future so I think CPF is a good scheme for us to ensure that we are better I mean we are we we are financially stable in the future ya


(mmhmm), correct yup ya spend


it better to be prepared ya, , ya retirement


ya you can use your CPF funds to , uh pay your children's education also which is a good thing lah ya because education can be expensive in ya


ya another thing ya and I it's okay another thing about CPF right because CPF is actually a save, kind of investment lah so even though the returns are quite low right the returns are absolute lah ya because (mmhmm) because the CPF moneys are invested in the


SSGS which is the special singapore government securities which is guaranteed by the government lah so no matter, what uh no matter the conditions of the financial market currently our CPF savings are guaranteed to be safe ya


(mmhmm) correct


ya, ya !wow!, a huge amount ya, and it's good that we know that our funds are in good hands lah ya so we feel safe ya


(mmhmm)


ya that's one of the issues about CPF ah you need to reach a certain age before you can withdraw right , ya , (mmhmm) uh no no no it's okay you can continue


right, ya


ya it help ya that's a good thing it help us control our , urge to spend ya to make sure that we are securely are are financially secure in the future ya


(mmhmm) , okay you know other than having a nine to five jobs right you can actually do other things to gain extra income ya


ya actually ya as students also you've already like been working part time as a tuition teacher lah which is a good thing ah, so , do you have any other uh


like can you think of any other ways that we can earn extra income on ya, (mmhmm)


ya (mmhmm), yup work ya


(mmhmm) , ya, correct


correct usually the people who are able to do this are those who are upper income right the middle to upper income ya class ya for those people who are more fortunate they also can actually rent uh buy a property and rent it out


also as a passive income, ya (mmhmm) then from this uh from renting out right they can also actually earn like if they're if they're working and they're already earning income they can use this as income relief ya (mmhmm) so to reduce their income (mmhmm)


ya correct, , it's the


ya is the deductions on rental eh ya ya yes


ya and also when you have expenses on the rental right for example you're you're maintaining like for example the air condition there is like faulty then you can uh maintain like uh


pay these uh maintenance fee and this maintenance fee can actually be deductible for taxes also under the deductions on rental expenses ya, (mmhmm), ya yes that


correct, (mmhmm), ya correct ya that's great


ya I've heard about it is, okay is actually actually is like uh CPF is similar to CPF but is more of a voluntary basis so because CPF is


a mandatory kind of scheme right the SRS the supplementary retirement scheme is like a voluntary scheme where you can add uh, some amount of money that you can use for future uh retirement ya when you retire


it's a good thing right, ya (mmhmm)


ya is similar


ya it can ya that's a good thing also if you if you add more funds to your SRS you'll be eligible for a higher amount of tax relief so you can pay less tax, ya and ya actually supplementary retirement scheme is good because it adds an extra layer of support


for our uh retirement expenses because sometimes just CPF right is sometimes is not really enough eh like ya in the future we don't know what like we don't know okay when in the future right we tend to have like those touch wood lah like maybe like


age related illnesses we are more prone to that so we it's better to be prepared for that lah ya, (mmhmm), oh ya it's also has a what sorry


ya right


correct that's why before you put uh some money into the supplementary retirement scheme you need to think whether like in the near future you will need that amount or not ya like you need to really use the excel table and like plan it out really whether you are


you are are it's better to, , add some funds into your supplementary retirement scheme or ya put it in your bank ya,


okay so when it comes to income tax right ya I mean income tax is something that is unavoidable for uh people who are working lah so uh some of the advice that I can give them to reduce their income tax are like


ah ya having opening an SRS account and to uh maintain a fund, there and ya


ya ya uh if you if you have donations, if you made some uh amount of donations it can be used as a tax uh relief also to reduce your taxes ya singapore government is very good ah like ah they they know how to make people do good stuff


ya right ya, ya


I'm thankful to my parents who move here ya from ya,


ya actually uh my father have these health insurance plan but , to be honest when he's at okay he he doesn't really explain it and I I only ask him like once but not often because sometimes I can a bit confused so uh how about you do ya do you have any opinions about health insurance


(mmhmm)


(hmm) (hmm) (mmhmm), ya


okay


ah their services is also good, (mmhmm)


the importance


okay maybe I should ask more about that with my dad or I can research more about health insurance and maybe I should start early, ya great


I stop now, [orh] twenty twenty eight


part three negative experience okay hi <P2>daria</P2> okay


let's let's talk about our negative experience ya so ya in products, okay so ya I I can go first, so these days right when I'm wearing uh mask more often right I tend to break out more so I was uh looking for a product that can help my skin lah in hopes of helping my skin


but ya but this product really didn't, uh didn't make my my break out, ya it aggravates it eh like, okay so the product right okay it might get very controversial because uh


this product is actually some peoples' holy grail uh skincare product but unfortunately it doesn't work for me so it's called the one step original clear toner pad is by the brand, Cosrx ya oh


ya ah ha is uh is a korean brand, uh, uh brand based in korea so actually what this product is like it's uh it's like it comes in pads and you can use it after you wash your face, to scrubs kind of lightly scrub and exfoliate yes cleanse cleanse your uh skin lah ah ya so based on reviews and based on what the product promise right they say ya it will help to reduce


your breakouts like it will help calm your skin down and reduce your breakouts and is also claims to, reduce the oiliness of your skin you know because my skin type is like oily and prone to blend mah prone to pin balls right so I thought this product can help me out and based on online reviews also the reviews that I read online is like


most of it are positive reviews lah and like it's quite cheap also compared to other treatments, ya like (mmhmm), , so, ya so


what I learned from these right actually you can't really trust like other people's reviews lah because your skin condition and your uh and other people's skin ya is different different people is very have very unique skin lah so


can't just can't just ya can't just (mmhmm), (mmhmm)


, correct


(mmhmm) (mmhmm) (mmhmm)


correct, (mmhmm)


know yourself ya right, ya so ya actually ya you can't this kind of things you need to listen from you need opinions from like a trusted dermatologist ah but


the issue is that sometimes you don't have the money ya to go to a dermatologist because, if you go there uh you will get products that ensure it will treat your skin so ya what I've been doing what I did ya what happened to me was like I'm experimenting


uh products without like a dermatologist opinion I just it buy it based on reviews ya then it doesn't really turn out good lah so I now I understand I appreciate dermatologists uh more right now ya so


(mmhmm), oh (mmhmm)


, drugstore ones lah


ya, , ,


ya will address your, (hmm),


!wow! ya


ya sometimes we need their expertise ah to ya that's why is being business ya , ya


tea tree oil, , I've never tried I've never tried tea tree before okay because the thing about this uh Cosrx right


is like more of a chemical like they say is like salicylic the main ingredient is salicyclic acid maybe I'm not suitable like that maybe my my skin is not suitable for that lah so maybe I should try the more natural


uh options lah like maybe using tea tree tea tree oil ya ya, maybe ya maybe it's just not suitable for me so ya


oh I got the product from uh the website itself so like uh they they they have this website so ya the Cosrx website so I got it online lah basically ya


they don't have a physical store in singapore I think, , no maybe no I didn't maybe I should ah to warn like other people who are


possibly in the same uh situation as me ya ya maybe I should do that lah ya any ya or maybe they can add ya maybe they can add another range which is for the sensitive one ya


gentle on the skin (mmhmm) ya okay


okay,


, oh my !wow!


oh do you get it during the COVID uh period oh no ah oh my okay okay ya means is their service (mmhmm), uh


ya right, (mmhmm)


ya (mmhmm) !wow!, ya I understand you when they like when you already like give money to a certain company right in hopes that they will deliver you a certain item and if it's taking too long you will feel very insecure ya I understand


I understand ya


(mmhmm), my (mmhmm)


after three month ya it's a wait long waiting time, (mmhmm) , right, imagine imagine ya imagine if like someone is ordering that dress for their graduation which coming in one month ya an occasion then they need it by then then the item is not available !wah! stress


ya gone, , ya, ah


ah


ya at faster ya half the price then you can get it on that time also like is a physical store yes ya,


!wah! really ah, ya it's good that you experience it so like next time you can be more careful also ya


ya, ya, usually usually is like just the marketing their marketing tactic ah like in their descriptions they will like


make it very hello, oh ya sorry they'll they they will make it very like like their product is amazing and whatnot so that, ya (mmhmm)


ya so that we will tend to want to buy and like but actually their product is not that good ya so it's like ya,


right, itself


ya like we just we shouldn't like focus just on the good reviews also we should find like a bad review see whether how worse it can get so that we can gauge ya ya ya, (mmhmm) , ya talking about this uh actually I also bought something online that I wasn't satisfied about lah okay so the problem with this product right I bought a shoe online uh


ya so the they actually have a physical store also but then I was at that time I was busy and I was stress because I think it was during exam period and I want to I want something to look forward to after my exam so


uh what I did was I was scrolling through charles and keith's uh, shoes uh section which are on sale then okay I saw like one of that I saw one of them is like !wah! the design is like suits me so much like its like embroidery is like pumps


and their it's uh their is like embroidered lah the the pattern is like flowers and is very nice so like, ya then when I look at the model pictures right it fits it looks like it fits so nicely


ya and it can ya it fits so nicely on her it makes her look very pretty so I I also want , I wanted to wear that shoe lah and also it it was on discount also so ya so I think like it's time it's time to get those so ya but when I look ya when I look at the reviews


okay the thing is that that time right uh there was no review for that particular shoes so I'm thinking like maybe is a bit fishy ah but I was so uh, impulsely like how to say like


I was already ya I, yes right


uh (mmhmm) like is known right like uh some people like like a lot of people also buy from them they also have a few stores in singapore lah ya , uh the thing is ya that particular shoe right is not available in stores so it's like only available online ya there's some type of shoes that are like that lah and ya maybe its source from overseas from their overseas branches maybe to clear the stock or something ya


so I thought that I would like it so I decided to get it then when I, got it okay the services right all no issue like they delivered it on time but then the product itself ah really makes me very sad eh like okay when I wear it right okay I like it uh the design is okay on my shoes but


after wearing it for a period of time right okay no actually actually not a period of time you know like after like ten minutes of walking right my back like the back of my ah legs right like my heels there starts to blister eh like when I look ya it's it's very painful like


I ya and, and it's so sad you know because like I I really like the design and stuff and everything is good but the it it really I can't I think it's okay eh like twenty five twenty five ya for a shoe for that kind of shoe for me it's okay lah like from charles and keith but


because of the because of the blister right it makes me blister right I don't really use it often so , ya it's sad and the thing is like the size it's just nice for me is just the blistering oart the way is design ya


right ya okay, twenty thirty


part two positive experience


ya let's get into it okay, oh


no I haven't heard of true fitness but sometimes I go to the gym uh ya under my under my house ya, okay


, !wow! is ya actually is quite good ninety dollars per month


oh, !wow!


trampoline , are there yoga classes also


ya !wow! !wow!,


!wah! then ya actually uh what I've been doing these days are like going to the gym like maybe by myself or with one or two of my friends then I'm like thinking , !wah! should I like because I don't really get a lot of motivation lah maybe like with had with uh going for classes with a larger group and with a instructor maybe like with that I can become more motivated to uh ya go down and exercise ya


ya right ya yes, same


, !wah!


!wow! usually ya sometimes when I go to the gym right sometimes I just , forget my towel and is like very frustrating because like sometimes some gym they require you to enter with a towel like the ya the security will like spot you and uh when I didn't ya so it's a good thing that is provided lah


are you able to ya that time you went to uh register through a consultant is it like they come to you and they promote you this product or


!wow! that's great


okay okay so currently usually when I okay now it's during COVID right so usually when we go out we wear masks, so uh what uh we can okay


I'm a big fan of makeup usually I will use lipstick and blush all those, but because of COVID right my interest has uh change to contact lenses because when you're wearing mask you can only really see your eye makeup right ya so I realised that actually contact lenses can enhance your look considerably


with a mask ya , so ya okay so actually initially I was a bit reluctant and a bit scared lah because you know the idea of putting putting something into your eye like sometimes when I take out


ya sometimes when I want to take out an eyelash from my eye it's get painful and scary but I realise that, , it's just a small thing that you can uh go ya overcome lah ya so during this period I have uh tried uh a few different contact lenses from a few different


uh sellers so if you are interested in wearing contact lens I recommend the ones uh that Olens provide so the brand is Olens, is based from korea okay the ya the thing about contact lens right some people are scared whether they're safe or not but I can assure you that these contact lenses are safe to use because


uh from the website itself they show you like that they are strictly KDFA approved KDFA is a certification which uh ensures that, uh it ensures the safety and the authenticity of the contact lens so you won't have to worry whether you'll get uh eye irritation lah all these whatnot ya


so, ah ya


ya, oh okay so actually when I went to the optometrician to get my eyes check for suitability whether I can wear contact lens right they don't recommend to wear uh night lenses but there are actually such lenses available but


ya currently ya I'm, still a bit scared to wear night lenses so I'll stick to those where I need to remove yes like when I want to sleep I will remove them so like Olens is actually good you know because you know why because they offer a wide variety of designs and colours so usually


asian eyes are like very boring like just black or dark brown right so I want to try to experiment how I look like when I wear coloured lenses so, ya actually Olens are suitable for us because ,


because you know some lenses right they are too natural that you can't really see the, difference ya but maybe that's like depends on preference also lah but for me I prefer those that you can see it ya so


ya, ya yup, ya sometimes ya when I am running also uh when doing sports sometimes my


because when I run I just ya move a lot right then my spectacles will drop also ya that's one of the things that I ya that's why I move to contact lens also ya then oh ya something's about Olens right they are very comfortable like


okay once you wear it right like you can't feel them in your eye is and it stays that way for very long periods like when you're working or when you are going to school right all those aircon , uh ya it's still it's still comfortable in your eyes which is amazing for its price is quite affordable


compared to other brands okay, so usually uh for the daily right, is around like uh forty dollars, per uh if you convert it to singapore dollars ya for


and the daily's one is like you have a supply for like one month supply so is quite good lah ya, (mmhmm)


oh, oh, ya for the astigmatism one too bad lah Olens doesn't really have it oh actually maybe they have it but is the clear ones the basic ones ya (uh huh)


(mmhmm) the one with the more designs is only for the normal uh myopia ya it doesn't cater to ya , ya (mmhmm) ya


ya okay


oh ya , I also use shopee ya yes oh my gosh it's save is a very convenient yes I agree, ya


ya uh even though like some of them are like from china like very far from singapore uh their uh their shipping fee is also quite low and good like if you hit a certain amount right sometimes they won't even charge you shipping fee that's why I like ya


(mmhmm), yup


item


oh (mmhmm) , oh, ya it's so convenient right ya


ya correct, (mmhmm)


ya because uh shopee they okay the thing about shopee is it's easier to write reviews I think that's why ya that's that's, that is the thing that we decide upon when we want to choose like whether to buy from this shop or that shop it depends on the reviews right ya then in order to for us customers to write reviews you know what shopee do shopee did shopee just uh award us with


coins so it's like ya is an incentive to make us write feedback, for the benefit of the other shoppers so they can decide whether like uh which is the best uh product they should consider buying ya shopee coins is amazing man ya you can also earn ya you can play games


ya you can ya they got games ya they allow us to play uh there's this uh games uh that allow us to gain coins ya that's amazing


ya ya me too just need to water the plants every ya every, thirty minutes or something ya, yes (mmhmm)


surveys ya, Taobao (mmhmm)


ah ya ya


ya sometimes when (mmhmm) easier


ya because sometimes when you want to buy something right you want to look at the product description also like not based only from the reviews and based on the pictures only ya so you need to exactly know like some of the features like for example you are looking for a certain feature like ya that specific feature


right ya, (mmhmm) (mmhmm)


ya then shopee also one other thing about shopee that I like is they have vouchers also like ya, and deals ya deals is ten ten ten ten is coming ya flash deals also there are there's so many features that really attracts us to be like looking at the product ya loyal customers ya it's actually one of the most used ads


for me these days you also right ya right, , right right right, (mmhmm)


partnership , correct correct ya (mmhmm)


correct ya (mmhmm) I feel so too (mmhmm)


okay wait shopee, ya


okay so ya usually it actually okay beauty product as in makeup right it gives me a sense of, relaxation ya confidence also uh okay so usually the process of putting on make up and putting on eye uh contact lens it gives me like sort of like uh short therapy me time something like that


ya ya so, like before I go out I spend some time uh on my uh eye make up these days ya to make me relax also lah ya and ya uh beauty products also sometimes I use uh body lotion at home


especially ya because currently uh okay the thing about body lotions right I don't really like them because sometimes they can be sticky but, currently I'm really really into this body lotion right is from Lush the name is sleepy is called sleepy so do you ya from the name itself like sleepy you should ya do you know that is


uh it helps you to sleep lah so sometimes when I have too much thoughts in my head like some some days I will toss and turn in bed at night I can't really fall asleep lah so instead of uh taking taking medicine all those right I just use this lotion it smells like lavender


and uh vanilla so is very calming yes you should try yes ya, okay so actually right now Lush has Lush which is the seller of this sleepy lotion is


they actually recently open a shop in shopee so you can shop through there also ya because Lush in singapore there's only a store in like like which is far away from my house you know like in Orchard ya so it's good that is in shopee also so can just click and


get it delivered to your house (ppo) ya, ya, twenty twenty thirty one


okay so would you like to like start with how we manage our cash flow, and how much, how much of our income is allocated to savings expenses or other things like insurance


ya ya I actually tried to use it, ya so like I I know that it's I know that it's fifty fifty percent of your income on essential things and then thirty percent is on your savings and twenty percent is your oh sorry twenty percent thirty percent is your expenses and twenty percent is your savings


do you use that too, (mmhmm)


ah, okay, I okay so what I essentially do to manage my cash flow is that okay similar to you I'm a student but I do quite a bit of part time work so on my part time work is basically like teaching tuitions


and so in order to manage my cash flow I have uh have an excel spreadsheet and , I try to keep my you know income and expenses recorded in that I can't afford a financial advisor at this point so I don't have that I do try to stick to the rule but sometimes I think I I don't really hang out much as in I don't


spend so much on things outside I try to save more than I actually spend so maybe the thirty twenty kind of you know changes accordingly depending on, uh you know when what situation it is and so on but ya generally I try to stick to it


ya ya so, in your , so do you also have like a spreadsheet or do you just, generally, depend on your,


I see okay that's that's good


right ya I think it's a pretty good reference, ya, okay shall we talk about uh CPF contributions I know there it's a very hot topic among like uh singaporeans and usually it's like something that


either we have I mean either like you know people are not okay with it they feel that the government is not really using the funds right and they should allow us to withdraw earlier, or like you know I guess the other one is that you know some of us think that it's good so what is your opinion on it


right ya I also think so I think that it's a good thing that the government actually makes us do this I mean makes this compulsory because I genuinely think that most of us actually do not foresee ourselves , you know ya we we don't really know what's gonna happen in the future or whether we will be able to manage our funds on our own and I guess that's really good ya and like you know there's


ya it's really good to be prepared and and like you know they have different components and that's the best part of it especially like you know in terms of healthcare, uh and and or retirement and then ya and then even home ownership or I think there's something called the education


ya right okay


ya so ya you are right so I I, ya sorry (mmhmm) ya


right ya I think I think that that's actually pretty fantastic and and the other thing is, also that you know this these funds do not remain static so you know our government actually has like , , our sovereign wealth funds like GIC and temasek holdings which basically manage our uh assets and they invest using our CPF contributions to get returns ah and these returns are going to come back to either us or you know whatever whatever else they get from it they will be you know


reinvesting it somewhere else or in long term projects , so right now they're like managing about three hundred billion in assets so I think that's quite frankly a very, very phenomenal number, ya yes yes at


ya that's the good thing about I guess uh CPF, yup , but like do you do you think like as in do you think the fifty five years onwards withdrawal allowance is better or do you think like people should be allowed to withdraw a bit earlier than that


right, but ya [orh] sorry ya, ya but I guess uh okay lah in in my opinion I feel like


it's, it's actually good that , they set a an age because I think before fifty five we are likely to actually want to you know withdraw this money to spend it on other things that make us like give us instant gratification but I don't think


we think very much about our future so I guess it's very important to kind of like force us you know, to to only be able to withdraw that money or in and try to you know, change that to liquid assets you know once we are once we are of a certain age and we secure that that amount ya so I guess that's that's a good


yes yup ya, okay , any other so like this okay what


the next thing you wanna talk about, anything that's in your mind, right


ya ya I think, we can have passive income, uh like you know if we invest, or or in bonds or stocks or buy shares, and so on and this can actually be like you know or these things can be


mediated by our banks right they have like premiums that we can actually invest in, and I think that's a good thing because we don't directly kind of do all the information gathering on our own they kind of already do do that for us and we know that the banks generally you know in singapore they are quite responsible so I guess these are things that we can


sort of invest in but I guess the problem with this is not everyone is able to kind of put in a minimum amount so ya I guess that's a


right ya ya, right that's true oh ya the for taxes


right ya ya or is it the earned income relief, [orh], oh no it's the, like dividends and like, premiums is it


oh ya actually ya I mean I guess that's another ya ya you're right uh is the, rental income that can be deducted from your taxable income in order,


make sense ya I think that's a, that's another way we can, sort of use, uh other forms of income, yes, but ya I think it really also depends on the age , ya so like when we are young I guess we don't really have this many


these many options, so ya but I guess we could always do something about savings, you know what they say they say it's not really the income that matters is the management of your funds, ya cool that's nice so there is


do you wanna talk about , oh ya the SRS uh supplementary retirement scheme have you heard of that, (mmhmm)


right


ya ya that's actually that's that's actually a a very good ya ya, uh I guess is like on top, of CPF it kind of gives you an outlet to like you know contribute and it it kind of works the same way as CPF does so


except that it's voluntary uh, and you can use these funds to even invest in premiums uh or like any other bonds or you have other investment projects, so ya and tax reliefs we have a big tax relief on SRS


so that's something that everyone yes


illnesses yup


definitely yes definitely I guess uh ya that's, the those are all really good things about SRS but then again it also has a , it has, ya so it has a uh uh I mean the only issue with this is again there is a an age limit and this age limit is actually higher than


the CPF one , so if you withdraw prematurely you have to pay a five percent penalty, so this becomes a problem in itself if let's say you have emergencies and you don't have any other anything else to turn to, then you might have to actually withdraw the money that you actually have in here and that is that is definitely going to


be a problem because you're going to have to pay more than you put in, yes ya I agree I agree okay


do you think uh do you know of ways that you know we can like reduce our income tax


the donations, there there donations and reliefs as well right


, yes they they know the , I guess the the, the flaws of human nature and they try to kind of compensate for that by ya


I I think that's a we're very fortunate to be here to be very honest ya, ya same ya okay let's do you have


maybe insurance or do your parents buy insurance for you


ya, I think the only the only insurance that I'm familiar with is actually health insurance and I have health insurance but


, the problem with my insurance is that I am unable to uh it it does not cover my hospitalisation fee because I have a pre-existing condition so it kind of uh but it does allow me to get uh this critical illness plan,


which gives me a payout if let's say this current condition actually becomes something more serious, so I'm actually very thankful that you know at least based on this, uh, thing uh they call this loading so I would have to pay a little higher than an the normal uh scheme you know payers


but it does allow me some sort of relief in terms of health care costs ya but that is only if let's say I uh you you know you it turns into something more serious, but, I do think that everyone should actually get insurance even the young people and I think that's


it's something that I had to learn the hard way but I would think that you know many young people do not realise that insurance is actually very important, because it, I mean we regardless of whether it's just health care or savings, uh if it's savings you know then it it's an investment and we are trying to afford discipline we're trying to make sure that we


we we, you know we we contribute of time to time in order to, you know continuously save something for ourselves with returns, so you know they are actually providing a very good service and I guess when you start


ya so when you when you when you start early it would really really help us in the future, we may not realise the importance of that now but I guess financial advisors and , , the you know you know the people who insurance companies


they they, they probably could emphasise the importance of these things a little more, ya and not, uh as though they're just selling products but rather you know as ya because of the


shortfall in understanding, of like why why we really need this insurance, yup, yes sounds good


click, twenty thirty one


part three negative experience, hi


okay negative experiences in in products, for services okay you want to go, skin any better


what was this what was the product, oh


oh I've never heard of that brand, [orh] that that product, cleanse right


okay that that sounds quite uh scary, is different right ya that's quite true


like I remember I have right I mean okay to be honest like okay my face right isn't that sensitive but the thing is like you know and I and and this is a fun funny story uh I I grew up thinking that you know, you could just use body wash on your face so I never actually found out until like probably like when I was like at in my teens that people actually use a separate product for their face because your face is more sensitive than your the rest of your body so but I never used the and so


when I came to you know think I when I came to, I when I found out that I needed to use a separate product for my face I was like oh oh man I mean now I have to look I now have to think about whether my complexion is uh oily complexion or you know whether I have a dry one or a combination was quite at loss to be honest but I guess


you know , I think the right product is very important like you said like because even I think that there are certain product products that perhaps they don't really aggravate my skin as much because it's not that sensitive but I do see a difference you know some are more moisturising and gentle than others


so I guess ya you're right like you know on the chemicals that are in the in the product may not suit, everyone not even to the people not even the people who have less sensitive skin , so it's very important to ya I agree with you I totally agree with you I think is like you know we cannot always trust reviews and it's a very trial and error kind of a thing ya for your products


yes money yes


yes, right yes ya


I have a bad experience to in the sense that okay maybe it it has nothing to do with like uh you know like, oh sorry it's not exactly a bad experience but a good experience with the dermatologist so my problem isn't exactly on that I had acne or anything I had the skin problem on my scalp and


uh I tried many different shampoos and uh it actually did not reduce flaking I had to I especially things like head and shoulders and like what is the other one the clear shampoo I think these things are I mean I I


ya they ya the ones that you can get over the counter they are, I guess they are okay but perhaps they are a bit too strong so and they're not exactly specific to my condition which I didn't fully understand before getting them I just got them because I


thought and I assumed that you know the description that's written on the those bottles kind of suited or like kind of uh, uh uh were apt, ya were apt in under or like you know describing my own problems so when I went to a dermatologist after a long long time


they just gave me this spray and it worked it just took me about a month all the flaking was gone, and then uh after that they gave me this shampoo it's called the tar shampoo and uh it's, to it's to clear your seborrheic dermatitis


it's a it's a sort of uh skin condition where it gets very very dry, so ya I guess ya it's very important to get someone to actually diagnose the problem and get you the product that best suits your needs,


yes we really do need their expertise, ya that's that's very true, ya , I I I think I've tried using tea tree oil once on my face I heard that it actually uh


uh does a lot with uh clearing the skin does that, have you tried tea tree oil, (mmhmm)


right, right


tea tree yes ya maybe I heard the salicylic acid is actually good though but maybe it's a bit too strong for certain skin types, , where did you get that product, uh


ah okay okay okay cool, , okay ya then uh did you leave them any reviews, , or like did you give them any feedback, situation right ya


ya so that like you know the company knows how to kind of like change their product to better suit, , yes yes ya a bit more uh sensitive ya gentle on uh more sensitive skin that's true okay ya make sense make sense


okay ya I I I I have a bad experience with this I I generally don't have many bad experiences with uh shopping uh for products or services but this one was kind of scary so I got this floral dress it was very pretty and very nice and I got it from


this online shop I think it was called love gone or something like that probably the biggest, mistake that I made was to kind of trust the reviews that were on the websites itself and did I did not kind of you know cross reference it with other places because I mean it's the first time that I actually saw that website and it was already very uh kind of appealing but


I I just thought that you know I will just give it a shot because I never really had bad experiences per se so I got this dress and I I bought the dress uh the delivery was taking way too long it was taking way, too long I think it was about three months it took me three it took it three months to come ya but the thing is you know meanwhile when


when it didn't come, no this no that's the that's the thing this is this was way before COVID, so really not a definitely not a a circumstantial issue so ya


I uh it was taking so long and I kind of uh tried contacting the customer service because honestly if it gets anything more, uh if it gets any any more than you know uh, three weeks to one month I would start panicking because the other products that I usually get wouldn't take this long ya so I tried contacting the customer service and


they didn't pick up they didn't respond to my emails and I tried leaving reviews or like not review sorry feedback they have this feedback thing on their website and they didn't replied to that either so I was just like where are the people and where are their employees and what are they doing and I got really worried so


then I went on I I got I either I will I was scared because the the dress wasn't very cheap it was about forty dollars, good ya


right ya so I was really scared and , and then that's when I you know I , I went to check, other reviews so I just googled it and I was like you know is this real is this website real or is this this product real or like is it just like a scam and


and then there were reviews on how they took so long to deliver these products and some of them didn't even get those products so that's when I thought that oh my god this is a very, bad thing and I made a huge mistake and the worst thing is when I mean the product did come by the way at the end it did come after three months yes


ya really long and I I mean what's the point of getting a dress if I'm not gonna be able to wear it in one month's time right like too long three months is really too long, an occasion ya


yes oh my god ya ya, finish it's gone like ya anyway uh I, it go to the point where I even forgot I had ordered it I think the last month I was just like uh I I don't know where that is anyway let's just forget about it and it came and guess what this is the worst part honestly


I paid so much and the material was so bad it was they stated that it was polyester but from my experience right okay I have polyester dresses and they're not so fake they don't look so fake it it really felt like I was wearing some sort of plastic


ya it's so it was so bad and , I just thought to myself I could get a better dress in a Cotton On shop like you know for half the price, ya and on-the-go right instead of waiting for so long


ya and then it was not stretchy at all like they described by the way in their description, and ya and then I was just like oh my god this is such a such a scam and you know what I did I went to shopee and I went to search for the same thing it was so much cheaper it was about like I think it was about eighteen dollars that's like more than half a price less


ya, so I I did kind of get uh get scammed I guess and I was really sad really really sad and that was a very bad experience because I think, ya it was the first time I experienced it but you know it kind also taught me a lesson


ya you're right ya I I will definitely be more careful and I will try to you know get, I I I will definitely not recommend this shop to any of my friends and you know and I I will warn them


ya


ya exaggerating all the benefits of that product, ya, they're very they're very smart lah they're very smart in the pricing and all that also you know it's


they know that you you know if if you put discounts on the on the page itself you kind of get attracted even more , ya so I I think ya that's that something I honestly fell for so I must say that they did a good job there and ya so ya I think I think it's very important for people to read reviews and compare prices before we you know purchase the


the product itself so not just within the shop but like you said you know your, your product as well I think to to only trust reviews is not a very good thing we need to cross reference the reviews and try to find other people who are having those bad experiences to kind of


, yes yes,


oh oh my god that sounds good, okay right okay


ya you really like the product and you just wanted to give it a try, and you know that you know charles and keith is actually a pretty well known brand it may not be a good brand but it's something that everyone knows and it's kind of uh, ya it's not like a very


dodgy ya, ya it's known, yes yes ah (mmhmm) oh


okay that sounds very painful ya I mean I wouldn't it's so painful ya ya ya, , was it pricey, ah


ya uh I I understand I mean charles and keith honestly does not have the best products like in terms of quality, ya about there twenty thirty


part, two positive experience, okay hi <P2>hainifa</P2> again


okay let's talk about positive experiences, okay, okay I'm gonna share two things that I think were really good, uh experiences for me the first one is


it's a fitness club uh have you heard of true fitness,


okay okay ya so it's it's like a club and so I came across this when I was, uh feeling very unfit and then you know this consultant he kind of explained to me what uh this is about and like how it might actually help me I signed up for it


and I must say I think as a student the membership card uh membership fee was actually very affordable and that was actually the first thing that kind of uh attracted me and it was like appealing to me and , and with this and it's I I pay I pay about ninety dollars per month


ya, ya I think so too I think like it's , it I mean and considering the the the number of things I actually have access to so it's not just gym equipment uh like our treadmills and so on its actually uh classes as well and these classes are ya many different sorts of classes and things that I actually didn't know even existed like


jumping on the on the, there's there's there are several things ya ya it's sort of like a trampoline ya but it's more of like a board, yes there are yoga classes there and there's several types of yoga classes not just like one we have like hot yoga we have like


ya hatha yoga we have stretch yoga and it's it it kind of you know caters to quite a lot of uh different groups of people so there are beginners and there are also intermediate and advanced classes ya,


right ya it's it's exactly about the the kind of discipline you get there when you're doing it with someone who is guiding you compared to when you're doing it at home I I really, don't have that kind of discipline so I have to go to this kind of places ya so and I must say honestly it's not just the


amount that I'm paying or like the the the product itself you know there are like other things as well like it's so clean and it's always so hygienic they always sanitise the mats they provide us with things like you know cut towels and yoga blocks so we don't actually have to carry anything with us we just have to bring ourselves


ya


that's true, ya ya used to happen to me too I ya ya and then we have we'll have to purchase like an extra towel everytime we go to a normal gym


ya so it was like a free trial for about three days and then I got to see whether it's it's good and I must say ya it is it is great instructors are very very, uh uh


experienced and they the that the customer service is great too and they they help you with the scanning and so on and they greet people it's not like you know they're , frustrated of working there so I could I could tell that it's a very good culture and so on


ya what do you what what what's your positive experience, right yes make sense


overcome


make sense


I have never tried I I I mean I, I think the last time I wore contact lenses were when I was in secondary school, cause everyone was wearing I don't know coloured contact lenses and after that I never wore them again but I do know that you know the there are a lot of advancements so I actually never got to wear the newer ones


but ya have you heard of like these uh night lenses or something, ah


the normal ones first, sounds good


ya maybe maybe I should try because like uh my specs keep dropping and I don't really maintain them very well so maybe like you know with contact lenses I will probably be a little more careful with the things that I do and


ya right how much is it oh that's not too bad


oh damn that's that's great that's that's amazing but but like does this I mean do these things have astig though I know that astigmatism astigmatism kind of increases the, price because my astig levels is really quite high so I can't really use a normal lenses I would probably have to preorder the more advanced ones


, oh ya make sense probably like the more simpler ones


ya exotic stuff, , okay cool that's that's


I am going to I I will probably try it I think I think it's time I do something about my, look looks, , okay, and so what do we okay I I I actually have to I want to share something about like you know shopee I I forgot to share just now


do you use shopee yes, , it's the best, ya and there are so many okay there're like wide range of products and like it it oh my god anyone can buy anything there like my mum can buy anything she wants for the house I can buy anything I want for school or you know to go out


it's all affordable that's amazing, yes


right right ya that's the best thing about it like I don't know how this works but it's amazing honestly and it's it's so affordable and sometimes you know if I calculate because I have a spreadsheet right so I actually calculate the the the expenses and how much I actually save on each uh you know maybe thing so


in terms of shopee sometimes I could I can actually save up to about like seventy to a hundred dollars per month which is crazy and I don't even buy things that you know perhaps , people my age would would buy like clothes and things like that I do buy them but they are not actually the bulk of my purchases I mainly buy the things for my room like magic cleaners and like


wipes and I'm I'm really quite glad that you know I don't actually have to go at to a traditional shop and get them it just comes to my house, it's so convenient ya and I I actually got my airpods from there too and I was a bit worried at first because this isn't on it and like you know airpods are not that cheap and and I'm a student so you know if I lose that amount of money I am really gonna cry


so I ya so I kinda doubted that but then you know I read reviews and so on so I I realised that ya it's it's perfectly fine and it comes with a warranty and so on so I could I could tell that you know shopee is actually something that we can trust, yes true true


coins yes , yup, ya I I agree


ya the coins are amazing, they they can can redeem them and like you know use it for other things, and they even have shopee games


ya like the plant one I grow plants and all I have to do is grow grow plants and I get, ya that's true, and like most of the shops I think the good thing about them is all that also that you know they reply and they respond to our questions and they don't just like you know go uh missing when we have a question so even if you know delivery time is


slow shopee kind of you know gets them to return to us and that's actually very good customer service, and, the other thing I find shopee ah okay ah the other thing I find really good for myself at least is that you know


I would I was struggling so before shopee came up you know uh there was Taobao and EZ buy and the problem with those things was that it most of the things were not in english and , ya it was all in chinese and I mean that's not the issue the problem is I well it's a language barrier for me the the goods were like you know great the products were uh awesome and


but the thing is I would always have to kind of ask my friends who kind of translate those things for me and I I feel bad doing that everytime I come across a product that I see so shopee kind of makes it shopee kind of sells the same kind of things but ya I guess it it language barrier is kind of gone cause it's more of like a common


understanding ya, yes right


that's true ya and reviews are very important descriptions are ya you're right descriptions are very important because otherwise you really don't know what kind of material you're going to , be buying when you're buying clothes and so on, ya


I guess ya that's great , oh ya, and deals and deals like flash deal flash is it called yes yes flash deals ya


loyal customers of shopee , ya ya same honestly same ya it's come to the point where I kind of probably go on shopee first and then instagram instead of the other ways around


ya that's very true ya by we like that they reply very promptly and uh their goods are authentic, so I know that shopee is not exactly the the shop itself it kind of you know mediates and it it uh gets different shops to kind of sell it's like


platform for them to sell things and I think it's very important for platforms like shopee to kind of , you know take care of like the customer service you overlook the customer service and all that because, I guess it it keeps the shops accountable for whatever they are selling to their customers I think shopee is doing a very good job with that


ya ya okay, are there any other , products that you, uh you you talked about contact lenses and beauty products before this right so


so beauty products like like why is it that you are into beauty products like are they is it because you can't ya, yeah


confidence [orh] kay kay, right ya like a therapy ya that's true that's true


right


ya makes, , oh my god that is amazing that already sounds like it smells great do you get do you get any of your beauty products from shopee !yay! ya ya that's true


part one finance


so actually recently I've been quite interested in stocks and I've been reading a lot more about it because I thought like this is the best time, to probably take a look at the stuff stock market since COVID happen and all the stock prices are down so ya I've been reading a couple of books and also following the


wall street journals and stuff what about you, so okay


do you know like what the different investment products, are ya


so ya so there are basically like different types of like investment products, like for example like uh in the question right shares stocks bonds so stocks is I think the most simple than all the one that almost everyone knows which is basically in a public company you can buy shares


and, ya so then you can analyse using like err net income and PE ratio and all of this and decide like you you can check like even in the iphone app and there's a app called stocks right you can see like how much the price of like starbucks or any like company is so


right now what I'm looking at is like couple of biotech firms, ya, what about like which other like term are you not familiar with, bonds (mmhmm)


ya ya exactly you got it right which is basically as a investor like us we can buy bonds and then the bonds will be paid in terms of interest like coupon payments, so ya so that's bonds and then


uh another thing is ETF, so I was looking at a couple of like ETF firms cause I was really confused like what's the difference between stocks and ETF, and, what I found out was ETF is basically like a huge group for example like IBB or ARKG these are like biotech firms


they own shares in a lot of different companies so I think uh if I'm not wrong like investing in the ETF is much less riskier than owning shares in a, public company ya


but I think it's I've no idea on how to buy a ETF though, yup err, okay I don't think so because


, investment is more of like a risk analysis and you have to read up about the market before you decide to invest, whatever earnings and whereas gambling is just you pay money and you have no expectation of any return there's no guarantee of that


yup, and also like when you go through like a broker or a or a robo, advisor like vanguard or something it's much safer because they would have experts who give you some financial analysis


so ya, what what about you what do you think, (mmhmm) ya definitely


also another good point that you mentioned is uh, that, they they require some kind of patience and long term investment, in in, investing which is not seen in gambling which is like fast return


and perhaps like this is like akin to like when some people invest, in and they hope to sell immediately to gain some kind of profit I guess that is possible especially like in uh forex exchange when you exchanging currencies and you know you have to keep watching the graphs every minute every hour


but I think like, if you are deciding to purchase like, shares or bonds or ETF or even REITS, uh, think that requires more analysis more patience and


also you should probably build up your portfolio to ensure like you have, various different kinds of investment products so that you can minimise risk because the market is really volatile and that's like, literally the first page in stock investing for dummies it's to understand how volatile the stock market is and ya to basically read up and learn before you purchase anything


yes true


have you ever read any books or, any, online resources regarding stock investing, (mmhmm) right


I've been reading a couple of books like stock investing for dummies and also uh guide for intelligent investing so that's like two of, like, the most basic necessary things for anyone who's like looking into getting into the stock market


so and that ya they mention a lot of things and there's a lot of different terms and different analysis modes like PE ratio and net income, and ya, so it can be a bit daunting first at first but


, I think if we are invested in trying to build wealth definitely you have to like build up your portfolio and eventually have to take up the first step obviously after doing all the necessary research


and ya, so have you looked into CPF investment schemes, yup


err so I was reading about it because, I wanted to, see what is the best option to, save up money and, also to see if singapore has a scheme to like help us build up


like whatever reserves we have so basically from what I learnt like, uh, after you accumulate about like ten thousand or thirty thousand to forty thousand you can uh probably like, sorry


you can probably uh invest in stocks or gold so that was like one thing that I read about so, which is interesting because I didn't know that singapore focused on, uh, getting stocks and gold within the


ya what else


ya definitely


I agree with that , , how would you recommend a student or novice with little cash at hand to plan their investment journey


ya definitely I think we need uh expert uh or at least a friend who is also probably at the same stage so that you can cross check and uh check company profiles and you know trying to see like what would be a good option to


invest in and which brings me to another question like have you read up on what options are, so uh one of the questions one of the prompts also ask like about options and whether it is


like, safer to purchase options instead of stocks, so I think it is better because basically it's a contract so it gives someone like you the investor the right but not the obligation to either buy or sell an amount so basically it's like


uh, it's used to speculate, how much you can possibly earn and also at the same time you have like basically less risk, so ya and basically you have to buy or sell a certain amount at like a predetermined price like before that contract expires so I think this is like really good because you can you know enhance your portfolio you can earn money


you can get some additional income, err ya, so I think options is a really good way if you are thinking to start looking into the stock market


ya, yup yup it is so


you do you know like how a broker setting a broker or trading account is set, okay so a friend of mine he uses DBS vickers


and I think that platform is really good because I had a look at it, I had a look at it so basically it was like, just you can login your DBS vickers account and it brings you to a page where you can just key in whichever company you're looking at and you'll be able to see like the market price of the share for that particular time and then you go to another page and you can set


like there's a, program basically you can set it at, whatever cost you wanted to buy so as you know like the share prices fluctuate right, so let's say like you calculate that right now a share price is eighty but then when it drops to seventy-five then three months you will be able to get a ten percent profit so you can set it in that program like buy like this many shares with this amount when the price is seventy-five


and then you can even set an option to sell it when it hits like for example eighty-five, so it, basically ya you can it it's automatic and that way we don't really have to stress so much but if anyone is looking into shares that be constantly looking at such apps and everything


like for me I've been using CNBC market watch yahoo finance I've like four different apps like keep checking like market prices and checking the fluctuations, for example like okay trump just got diagnosed with COVID right what do you think would have happened to like the stock market


ya so I I got a notification on my phone like, when, could err trump got confirmed diagnosis with COVID the D DW jones it just dropped like five hundred points like the moment he got diagnosed so this shows like how volatile the stock market is and ya


uh there's another microchip company it's call micron, so there


was another one that I was looking at because my friend that's from micron and he invest in micron so just for some kind of, basis to cross-check to understand the cycle, I also look at the, micron prices and also according to my research like it's one of the


few companies that has been showing steady growth, despite like COVID and still like generating net income, so ya it's definitely, a good company to probably invest in,


I think it's definitely advised to use a robo advisor but as I'm not err buying purchasing right now probably think like, I would still take my time to read up and observe market trends before I decide to invest in a robo advisor