it was very clear that I did not want to like did not want to take the insurance up but the lady kept on insisting and it was just very painful to continue the conversation because, I was trying not to be rude and I just wanted to like let her know that I really was not interested and I'm not even qualified to even like agree on my own side but she was just very adamant and it was just very


painful because uh ya she just did not even understand the whole situation and she was just trying to sell it as much as she could and then I I was just like oh I'm in the middle of the lesson and I just cut the phone it was so scary and it was so sad, ya that it was very painful basically because it was very long draggy and unnecessary ya how about you


ya ya I agree honestly when your wi-fi goes down it's actually are the most painful thing it's like you've rely so much on it especially with like COVID and everything going online it's like literally your main source of connect being connected to the world especially when you are like


everything is online like your online classes and everything it's so painful when like literally the one main thing you needed goes down, I guess for me like I've had like several negative experiences also like I guess for me it was with regards to


I guess like scams and stuff I guess the thing is that these scams are there to, play and like make you fall for them and thing is that it's it becomes very painful because you don't really know who to trust and not and the thing is that because people today they tend to like really rely on like a lot of


things and then they try and like extort as much money as they can out of you it's like you're so scared that you don't even know whether you should like, engage or like engage any calls or even provide any information over like phone or like over wire like certain apps or anything and the thing is that while certain while providing information for example over your phone


it's supposed was initially like a very reliable mode of conversation and like it was supposed to reassure you that you are doing something right now it's like very scary because you really don't know who to trust and even when the right people call it's like you begin doubting whether it's the wrong person and it's very scary and like it's very


it hampers your productivity also because you don't really know who to trust and who not to trust anymore and I think that's like a big issue with regards to a lot of things now because people really begin impersonating other people and while technically it's not like the


fault of like individual companies perhaps but I would say that the fact that their systems are vulnerable to these really, enable people to like move on with like these kind of, experiences and I guess like another negative experience that I have with regards to


with regards to like an experience was with regards like clothing and like shoes and accessories, the thing is that a lot of places especially post COVID because a lot of their sales didn't turn up very great when a lot of people at home, they tends to like put up discounts and everything


and like discounts like while they tend to be very attractive at some point in time they tend to be like a little off as well because, sometimes you don't really know the additional like, criteria that comes to get a discount and like companies are not very explicit with what the criteria is and they always tend to like flash discount like amazingly on their website or like I don't know newspapers or something and then you'll read the first statement and then you will fall for it and then I'll be like thinking oh my god this is so fishy but because they advertise it it's like you're just


down there to believe it and it seems so believable especially because a lot of people are like I don't know like the great singapore sale and like a lot of discounts and sales coming up so you just naturally thinking okay maybe this is true, and then then after you are like prompted to buy it or like you actually purchase it


then when it comes down to the final step then they tell you oh actually this is only for like members or like this is only for like people who purchase this product on top of this product and it's so annoying because, uh you're supposed to like literally be explicit about what the contents are what you're supposed to or what you're expecting out of customers and I've experienced it like quite a number of times with regards to like especially places like


especially online source basically like stores that really give off like a lot of discount like online platforms like for example like, lazada or like I don't know like carousel or like even like clothing stores like shane and stuff and it becomes very annoying because they when they put up discounts they're not explicit with what they want and their customer service tends to be very like


shrewd about it because they think that because it's in like a font err, one point five at the bottom of the page we're supposed to know it or something and I'm like how how am I supposed to know this like you literally put it at the bottom, page you made it sound like it's not even important so my assumption is that I am not supposed to take big notice of it and like they're like so fussy about it they're like oh it's not our fault and then because you're already at the pay counter or like you're at the last stage of like your payment you're just like okay never mind I'll just move on with it and then you just pay it and then you're like maybe I shouldn't have


even have like started the whole process and it's just so painful because you spend all your money thinking that this was all you needed, and then now at the final stage they tell you this kind of information it's like very, I don't know it's not very nice of them also because they they really weren't explicit with what the conditions were and like when you really try and contact them regarding the situation they're not being any better with regards to help either and it can sort of be very painful because you


fell for something that so like surreal it's right it's very like it's like it's not okay to them is not a big issue but like to you when you are really like like specific with regards to your money or like you really wanted to save on like certain thing or like you really wanted an electronic


good like really badly and then you wanted to save up on it and you buy it and then you end up having been like cheated on your money it's like it's very painful basically and it, it happened a few times to be honest like on different different platforms especially like online platforms and even like sometimes like in store kind of like values and sales and all that uh all those kind of things


so I guess that was like a pretty negative thing that happened to me also, ya how about you,


ya exactly


exactly


ya ya oh my god I agree with that also and the thing is that sometimes like also like these online stores they have like a lot of hidden costs and it can be very annoying because you don't even realise that it's there it's just like , like just another version of like putting their terms and conditions in like one point five size font the thing is that if you buy like a product that's like ten dollars like locally in store and then you're like okay let's try just try and save money and then go online and then it's like I don't know so for like


four dollars or something or like five dollars the thing is that they don't even tell you the cost of it until you proceed to checkout and then you pay everything and then they're like oh it's actually six dollars worth of like shipping and then it's like you're so bummed because you thought that it's way cheaper online and then they don't even tell you anything about it


up till the moment you proceed to check out and it happens on a lot of different platform but especially that companies that really exhaust like, this aspect of like delivering it to your doorstep and like a lot of companies if like online platforms like some of them like, yes they're they explicitly stated that oh it's coming from this country and delivery costs can like vary according to when you want it by or like how long the distance is


which is very like helpful but there's like a lot of companies out there which aren't very transparent with it and it's very painful when you want to like purchase something and then you don't know the exact like things until you proceed to checkout or like you proceed to buy or purchase the things and it can be from like almost every different company like even with regards to like


delivery on a company like for example grab food I'm able to like buy , delivery like for items but the thing is that because it's based on your proximity, a lot of the charges tend to be very low but when you tend to purchase it directly from the company they don't tell you that, oh they will like for example like I don't know like catering services or like restaurants online like they will already inflate their like their prices when you want to buy them from like an online store with regards the dishes or like I don't know something and then they will also charge you on top of it for your delivery so it's like it can be very like this instead


incentivizing if you want to like purchase it from the store itself and then it'll make you feel like well I might have just you know gone myself and like gotten some exercise and then purchase it at a lower price and came back and then it's like you're beginning question whether these things are really like out there to like just, rip of your money or you're actually given a value for it ya


positive product review, okay kausie do you want to start okay


oh my god that's nice actually to be honest I just started a driving lesson , so your story gives me a bit of hope that it'll will be a good journey hopefully ya, ya for me like ya I want to talk about education and training also so for me I wanted to talk about like the kind of likes study providers basically like you know there's like a few


places or companies like prep zone and uh IDP or study abroad so it was like, they played a very major role especially when it came to like securing like overseas, university options because like I guess like coming from singapore and as a local student it can be very hard to like understand how


you can venture overseas for like a degree regardless of whether it's like an undergraduate degree or like a master's degree , so I guess like and there's like a plethora of information online so it's very hard to like source for what is right perhaps like I guess that's a down like a drawback of like internet also because when you have too much information it's like you're convoluted with it and then you don't really know what's true it's like you end up like doubting whatever you read off internet because


some of it it's like it it can be that glaringly like false but it's just still present there and then it will just give you that sense of that lack of confidence that what you're reading is like, I don't know not really correct you know that kind of sense so I guess like these kind of companies like a lot of services that they provide are actually like free to students


so we irregardless of whether we eventually end up going overseas or not I think they play a good role in a sense that not they not only do they just act as like advisers to like securing overseas university places they also act as advisers or like sort of like career guidance counsellors so it can be a good thing in that sense because


at like at like an age of eighteen when you have to decide like what you want to do in universities like a pretty big decision in my opinion because it's like you're going to have to stick with it for the rest of your life and I mean ya you you can like change your path and everything but like a lot of, the decisions you make at that time can really like impact what you see or like what


kind of like domains or fields you push yourself into in the future, so I guess like the services , like a very positive thing that these services or companies uh like it's just a few of them like for example prep zone or like study abroad they really help to like concise information


for me and provide like exactly what I wanted so it was like for example if I wanted to like know exactly about like studying like I don't know like business or something in the overseas university or like, specifically in another country like for example UK and I want to know what the options are


it's like they will just concise all the information and give it to you in one hand so it's like they are very good in the sense that they have all the information at the tip of their hands so it can be very like very like comforting to know that there is someone out there who is very willing to help you to like


move or embark on the journey especially because I don't know going to university is like a very like a very stressful thing , I mean coming from like like from a high school or like JC or like poly regardless of this place that we start it's like a very big decision to make so I guess ya that was like a positive thing because it's like it helped me to like open my eyes to like a lot of the universities out there uh outside of like singapore and like a lot of the countries


and regardless of whether I go or not it's like it gives me a good idea because you never know in the future if you want to move on to like overseas to do a degree or so you at least you have like a good foundational idea of what a country has to offer you and like what are the universities out there that can actually give you like a helping hand in terms of like gaining like


more opportunities or like a good degree or confer you with a good knowledge from the domain that you want to embark into , so ya I guess that's like a positive positive thing that I experience with education and training perhaps like you want to share like I don't know another experience or something that was pretty positive


I also have like certain nice experiences I guess maybe I'll talk about health and I mean sorry sports and fitness with regards to that domain so I think like a positive experience that I had with regards to sports and fitness was when I wanted to like purchase like


equipment that is specific to like a certain sport or like just trying to get myself fit so I guess like a certain like, positive experience that I had was with regard to when I went to decathlon, and like fitness regimes like just nearby gyms and everything like cause I think that companies like decathlon really make it easier for you to make a choice with regards to what you want to buy or like purchase with regards to like your


sport like the kind of sport that you want to engage in and the people there actually also very knowledgeable I think like it's part of their training or like internship or like, just the kind of basic knowledge that the people are supposed to have when they apply for the position so a lot of the people there at decathlon are actually very very welcoming and they are very willing to give you advice as well so


the thing that I really enjoyed are really like was the fact that they had everything there so it was like a one stop shop kind of thing where you can just get everything for like many different sports that you wanted at like one place because they have like many many different domains like


they have everything like all the comprehensive things for like each of the different sports so for example like hockey tennis badminton they had like everything needed for a person who wants to engage in that specific sport and I think that was very commendable because , like it really helps you when you want to make a decision and it really gives you the idea of like what you need when you want to engage in the sport and the thing is that because they give you so much options it makes it easier for you to like stop having to


find out where you can get each of the items and just simply go to like one place and like grab everything that you need in one shot so it was a very positive experience because, it was like you had everything there at like one place because they really offer like comprehensive guidance to everything you needed to play the sport and they also more than willing to like give you advice as well because


like for example if I went to them and told them that oh I want to play badminton and then they will just immediately tell you like okay so these are the like they'll just drag you to the section and then they'll just tell you like oh these are the different kinds of rackets that we have and then they even have like different rackets for like beginners and then for like professional players or even like kids


and they are more than willing to guide you on the level of proficiency that you have and then pick out the best item for you or like the best racket for you and even with regards to like the , like the rackets and everything and the shoes they're also more than willing to give you advice on what is probably best for you given the level of like


proficiency that you have in the sport so it was very enlightening because I mean just given that I was just an amateur in the sport it was like I didn't really know that there were so many things to purchasing the right items for the sports as well and it was very like eye opening when they were like oh


there's actually like I don't know ten thousand different kinds of like rackets for like ten thousand different purposes , and they were just there and very patient and like guiding you all along, so I guess in that sense it was very eye opening enlightening and it was very positive because, they were very willing to give you a good customer experience because they were willing to go out of their comfort zone and like take the time to explain to each and every customer what they need and like especially if you are very new to the to the sport and everything and then pick out what is probably like going to be best for your


level of experience and like what do you want to get out of the sport like if you're playing leisure like or you are actually going to play competitive so they're willing to give you advice on so I guess ya that was another positive experience that I had , maybe we can just talk very quickly about the last question or something about maybe telco or some other


domain maybe


ya


ya I think I also had like a pretty short experience I think that was mine was more of telco actually even though most of them tend to be negative so for mine it was because I my telco that the I mean the telco that I subscribe to is actually like m one so


there was I think there was this time like in the past few months or something like there was this one day when like m one was down or something and then a lot of the network was down, so I was a bit flustered cause I thought it was just a problem with my phone or something and then I was and then eventually I just like consult like


sort of told myself to just call them up and clarify what the problem was and I think on that day a lot of people were calling because cause eventually that I knew that you know the whole service was down and the but they were very patient with your queries in that sense because a lot of the people, I mean it's like a sudden network issues like something that you are not very happy with especially when you have like a lot of work to do and stuff and like online classes and stuff but I guess they were like very patient especially when like the customers were very like flustered and like


concerned about everything that was going on so I guess the fact that they were very patient in response was something that was very commendable ya (ppb)


part one finance


I think I have the same one, , same same , ya err mine also started off as a kids' savings account, and then you know what's the funniest thing like for so for like I I didn't know that it will automatically change into the like a regular savings account and then I used to be so embarrassed because whenever I transfer people money and then it will say POSB kids savings account ya


oh my god same, ya I I I didn't like get bursary money but when I started working like when I was uh after my o levels right ya and then all my money that went in just went back out , like after I got a debit card


it's like super easy to spend money, yeah, at what age did you get your debit card, what age did you get your debit card, you got your debit card at twelve years old


the debit card you mean the one with like the the PSB go POSB go on it right, l ike not the one that's just for ATM


so is it the one with like numbers on it like the sixteen digit, oh oh I think I know is it red colour


I feel like I know what you are talking about but I don't think I've had it before because I got mine when I was uh like I got mine when I was sixteen when I started working right , and then I when I worked as a cashier, I noticed that there was like ATM card and then there was debit card also


ya so you could get either and then like when I went to find out because when I got my debit, card right they didn't ask me whether I wanted just like an ATM card or whether I wanted like , the debit card so the debit card there's like nets function and then you can pay like by master also like mastercard


and then like they didn't ask me like they didn't give me an option but then I noticed that a lot of people have the ATM card, like so that one like you can only withdraw money you cannot like go and pay at err, pay at shops ah and then after that I was like ya but I thought that card look nicer then I was like eh how come I I I don't have this card


ya but then after that I I I think I asked my mom or either that or I happen to be on website then I realize that that card was just for ATM so technically my debit card was like cooler ah, ya ya ya ya


oh I think I know what card that is that's like that's, quite old like ya that's an old version of the, card so it's like in between an ATM card like the pure ATM and the full debit card


I mean like I think , it's not really uh you're not allowed to, but I think it's just like you're not encouraged to keep it , ya they but I know that if you are there they cut it up


so that like nobody else can use so it's like officially like out of use the card so you can't use it any more


I cut out a lot of my cards like as as soon as I I'm done with them I just cut it out like my card is, like, err my card is going to expire soon and then like I I'm just going to cut it out, because if there's no use there's no point


I think twelve is way too young to have a debit card, like honestly I think it's way too young ah, because, personally I feel like a twelve year old doesn't have, full , I want to say like full knowledge of how they should be using how they should be managing their finances correctly or properly I mean


not to say that like, I'm very responsible with my money now lah but I know the repercussions of what happens when I, spent all my money or I don't have anything in my account that kind of thing but I feel like as a twelve year old its its a bit hard to , learn these things or like you just have not learn these things


oh you know what my mom did for me so okay so my bursary money right I just remembered what my mum did for me so my bursary money she didn't put it into, to my POSB savings account I actually have another , account I'm not sure if it's a savings account I believe it is it's also like a kids' saving account probably from OCBC


so what she did was that , all my bursary money she will bank it into the OCBC account, so this OCBC account, I never got a debit card for it until today I don't have like a debit card for it and I believe that if I want to withdraw money I think I have to go directly to the bank like to the bank teller and tell them oh I want to withdraw money from this account so that way all my bursary money is still kept there and then


ya then the POSB savings account I used to only put in like my allowance savings and then subsequently ya lah when I started working, and then I got my debit card that's where all my salary until today like my salary goes into that account


ya so, ya so my bursary money is still there I suddenly remembered I suddenly like I didn't remember the OCBC account up till now, !wow! that means I must have quite a bit of money sitting aside now , oh I should go and check I think at least uh I


think you should okay although right recently I oh suddenly like I want to I want to go and find out how to get a card for the account , , err I know my brother , he so my brother has physical savings do you have like a a piggy bank kind of


situation like physical money put inside piggyback very traditional type of saving, oh okay err like Ang-Bao right ya ya ya same I do that too I do that too yeah so like physical savings


I have that, again it's not very helpful because I can still reach for it , very easily but what my brother did was that so me and my brother has always have always had the same kind of like account so we have one POSB one OCBC same thing all his bursary money go into his OCBS BC account right and then his recently his physical savings he took all of it and he put it into his OCBC account


so that's the account that we like don't touch right so it's like all his money like don't touch ah like cannot touch already


until today like until like okay like as of today like fourth october , I am very broke right in my POSB, account like no money I still have some physical savings but I have no money in it like no liquid in my, POSB account but


I will never think about going to my OCBC account, but it's solely because , of the inconvenience of having to go to the bank, to ask uh ya because, I mean it's like it's so convenient for people to go ATM and withdraw money right but


it's just not a first thought for me to go to the bank and, like to think oh I should go to the bank and withdraw money from the bank teller I've never , like I've never thought of doing that I feel like only old people do that like really old people


no no serious because like okay you know, do you have a passbook you know passbooks are really old, uh, ya like apparently I'm not sure if it's true but from what I've heard, they're trying to


err what's the word they are trying to eradicate passbooks, because everything is going online right, so they are trying to get rid of the use of passbooks that's what I've heard but , , in singapore I know they can't do that because we're ageing population so a good


a good , you know, percentage of our population which is probably like our I mean like the older people they still use, passbooks I still see like the elderly actually going to the ATM to update their passbooks and stuff like that and I I see them at the banks like using their passbooks and everything to do the traditional way of withdrawing money


ya so, I don't know that's very interesting so as I guess as a young person it's not a thought for me to go and withdraw the money physically from the bank even though I can, and I know that people do that like old people but as a young person I don't think we are


I mean I don't think we are like it's just not a thought for us to do that ah, so no answer is no I will never touch my money in the OCBC account probably


ah I do that with my brother


so he paid by card


like a slip of the finger ya, because sometimes like when you do cashiering very fast it's very easy for you to accidentally, charge, I have been in a situation where I not me lah but my colleague when I was still working in retail


she under charged by like one zero, and we work and we were working in a like a luxury brand store, so one zero is a lot lah you know what I mean like it's supposed to be thousand but she charged hundreds so, ya that was interesting


she had to cover the amount by the way, yeah she had to personally come out with the amount, because because, the thing is like when the customer walks out of the store right although we do have the customers' details if the customer doesn't want to pick up the phone then there's nothing you can do already you know I mean


yeah , no because it's a personal mistake what what are are you going to do ya


oh no okay so from what I understand a joint account is basically having it's basically sharing an account with someone else , so I used to have a joint account with my mom, and I think that she's she opened I've literally do not remember having this joint account at all


but I think my mum opened it when I was like, really young like even before I opened my kids' savings account so a joint account is basically, like you share with someone else lah so I shared it with my mom and I guess she helped me to bank in my savings before I had my own kids' savings account


in there, and there was like the last I checked I only found out that I had a joint account because when I first had the ibanking app right, and then uh I obviously I out in my particulars everything then suddenly I saw that I had another account and then I saw that it was with my mom's name


and I saw there was like cup like hundred dollars plus inside, and the thing is and I don't know how to access that money at all I mean like hundred something is is not a lot I guess but , it's still something for someone who has no money now you know what I mean but I don't know how to I don't know how to access that money


and then suddenly after I updated the apps a few app a few times right then it's gone I I don't know , like it's doesn't show up on my it doesn't show up on my app any more, so I I don't know I don't know whether it's because the account is closed or what


but I don't have the money so I don't really know, maybe I feel like all these uh


I don't really think about me having any other, , funds except for my physical savings and , my POSB account, so like even the OCBC account like I said it's not in my head you know yeah


oh I agree I don't think I'm I I don't think I will eh actually maybe, maybe I will err


I feel like it will depend on my partner


are you the kind of person who, who is like my money is my money, then your money is your money oh okay


I feel like I don't have a solid opinion on it I guess it depends, it it really depends yeah, , ya on on my partner I think it also depends on who earns more ah it's like a because obviously I feel like if you're if you're going to be the person who earns more in the relationship right chances are you will probably not want to open a joint account


because you will feel like more money is going into it than your partner's, but, I mean I think we're very far away from that so I ya I don't have a solid opinion on it


yeah do you have a do you have a credit card, I think I think someday you will change your opinion on that


right right, okay, I think that's fair, I mean like I think that's fair and and also because


okay you know what's funny like when we when you were growing up we we thought that people with credit card are the rich people right but then I , somewhere along the way I heard a quote somewhere or somebody told me that people people with credit cards are the ones with no money it's because you don't have like it's like you don't have to immediately come up with the cash but actually I think eventually you will have to have a credit card lah for big purchases


but the goal is to not err oh okay yeah


can you buy a car with a credit card, oh I'm not too sure about that it doesn't seem like I don't think you can just charge a car with your credit card like obviously it's you know broken down everything I don't but yeah okay that's interesting okay interesting


negative experience


you could do have just uh what is it called


I don't even think asking for extra pillows is considered like getting your money's worth , it's a hotel you should have you should have the number of pillows that you want or like that's enough yeah


oh I'm sorry you had that experience, I feel like uh , I've I I had I don't I can't, remember having a terrible, hotel experience well not recently at least because you know COVID


, and my last few travel experience was great but I do, remember (ugh), I hate hotel buffets, I don't know about you but I hate hotel buffets like, , the ones in singapore I have not had a single hotel buffet that I find impressive


and the worst one that I've been to was at furama hotel I don't care I'm just going to, name and shame furama hotel err I think it's called like tiffany cafe at furama, or something it's so


terrible it's so terrible and you pay a lot of money to eat there right and the kind of food that they serve there is like , #nasi lemak# #mee soto#, you know at a hotel, yeah like


like I didn't pay I didn't pay seventy dollars to come and eat like at ananas you know what I mean, like this is the exact food I can get at ananas for two dollars and I'm paying seventy dollars to eat, #mee soto# and you know what and you know what's the worst part like


ya it wasn't even good like literally ananas's #mee soto# is nicer, because like you know hotels they try and like be fancy they try and like do something different with their local dishes okay personally right, I know maybe maybe it's because like hotels are made for tourists right so that's why they serve local food at the buffets


but I feel like, I mean because singapore is so diverse , you cannot be serving purely just local food , and like I hate the whole like, I hate the whole like local food with a twist thing, like


if you want to serve local food to tourist then serve authentic local food to tourists you know I mean like, !ee! (ppc) what what is like Nasi like they will always try and do something different with like like #nasi lemak# whether they, change like the sambal or the egg or something like that on the rice they do something like you know interesting with the rice like


to me it's just a waste of ingredients the waste of money because it just doesn't taste authentic it doesn't taste authentic it doesn't taste nice, yeah so, ya well I think furama was the worst the worst the worse buffet that I've had in singapore


, I mean they the seafood wasn't even fresh, there was a there was no like fresh seafood even they serve like cooked seafood which is like fine like the like the cookie into a dish but the ones they were cooking food dish also is obviously not fresh and the meat was obviously just not fresh like you can tell you know when you eat like prawn or you can tell when you eat prawn prawn oh crab it doesn't come off the


the shell nicely yeah, so it's not fresh it was just terrible and it's so disgusting, it's so disgusting because they serve it like in the in those like trays


I, guess like buffet trays lah, but I don't, don't know why it was just so disgusting to me, cause like I don't know maybe like they mix the ladles or something like that and then they like never clean it like they never replace it often, yeah


it is it is it is I think, yeah or maybe I'm just not a big fan of, the whole like buffet concept I think the only decent one I've been to is carousel at err scotts, scotts royal plaza on scotts


but even then , no I don't stay at the hotels I just go for the buffets, ya I just eat ya, and I mean it's not impressive to me either


I don't know I just for me hotel like buffets are just totally like not impressive ah


!eww! that's so gross, oh my gosh I think I've been to a I've been to a hotel buffet that had that also, ya with like the, it's disgusting communal butter that's disgusting


and you cannot just put the stick of butter there then expect you to share it's disgusting, like soft soften, yeah (hmm) , oh this reminds me this reminds me of


the most recent trip I had I went to bintan it was like right before COVID and then I stayed at this I stayed at this resort it's called , yes yes that's the one !wah! you remember ah, ya I stayed ya


yeah okay I'll say right the whole, like the ambience very nice, ah where you stay the room you stay in is nice, the food the food sucks , for me the food sucks the location sucks so the way the the resort is placed right it's like inside this


what I didn't know was that it's at one end of bintan, and it's so far away from the town, so right when you want to drive to the town right you cannot, you cannot book a grab you cannot book a grab you cannot book a gojek you have to use their the hotel's err chartered taxi service


because apparently it is located in a private area, so no grabs can come in and they overcharge the, taxi I remembered I think I paid, maybe thirty-five, dollars sing dollars to travel


to, the nearest town okay to the nearest shopping mall okay , they called it err listen they called it a shopping mall okay and the drive was fifteen minutes away fifteen minutes thirty-five dollars for a fifteen-minute ride, to a shopping mall


that was fifteen minutes away we went there the shopping mall was empty the shopping mall had no shops, it was just like an open, concept building, none of the stores were rented


it was a ghost town it was a ghost town none of the stores were rented there was like only a couple I think the first floor maybe I think I can count on my fingers if I remember correctly there was six or seven , stores there one of it was a retail store that sold like souvenirs and clothes and stuff like that no air con we walked in no air con the store is so stuffy I don't know how the the cashier isn't like dead from heat stroke


, and then I think maybe four or five of the places were spas like massage, places and then the other one was was a Mamak shop, yeah ya so when


no I stayed there I I stayed at that at that place because I mean like we were hungry and to get another taxi so from there like cannot book another taxi right so you book the chartered taxi is that you just tell like them where you want to go


and the same driver will bring you back he will like come and pick you up at the time, like they will text you ah and then you say ah you can come pick me up now then they will bring you back to the hotel, yeah so err , ya that's how it worked so we couldn't really go anywhere else we were kind of like stuck there at that barren uh shopping mall and then there was only like one place to eat


and that place , , the food portions were so small , my friend and I so it was just like me and my friend right we ordered I think three or four, whole, dishes normally you eat when you eat at restaurant you expect like one dish should fill one person right


we ordered four and we were will still not full, it was it was everything about the place was about that shopping mall area was really, sad, and more food no because like


I mean like you want to wait for them to cook and everything, and then it's like super waste time so after we like walk around and then like we our massages our massages ya our massages were also not very cheap , like everything there was


tourist priced ya it was marked up it was marked up because I think they knew it was like, it was the only thing that was close to that resort area so they know that tourists will pay because where else are they going to go, ya so


we paid all those prices and then we went back to the resort, and then I think the next day we decided to just order like room service which is obviously also not cheap no, it's like the same price ah , or maybe like slightly more marked up because they obviously


nope the food was not good I don't know I had this like, squid shawarma thing is it shawarma or like kebab or something like that some, uh I don't I don't know what it's, it's like a grilled squid on a stick


eaten with some, green dip, like turkish sort of dip, even though we were in bintan uh which is indonesia , ya and we ordered like #ayam bakar# also which you expect to be good because you are in indonesia eating indonesian food but no it wasn't good


I didn't like it, I didn't finish my food, ya !wow! terrible that one's really


no I didn't know that they have that


I think we uh, ya I think what they made you know like how some, some err of this like offers they they will have the terms and conditions that say valid for dine in only


ya and I understand that but it's like you all are, still dining in it's the same as if you all ordered both meals right and then your mum eat a bit of hers and then you eat a bit of yours and then you cannot finish both you should be allowed to Tapau what


just so that they will Tapau it, ya it really doesn't make sense no it it doesn't make sense if like you, you like order at the counter and then you say oh we're not eating here we want to take away then they can say like oh sorry you have to dine in because when you dine in they will charge you service charge what


right so I mean if you are you guys are dining in you are paying the service charge they should allow you to take it away, you've already paid for it yeah so that's kind of


I mean like she could have just explained it to you nicely lah that oh because this offer is, only valid for dine, still doesn't make sense because you guys were dining in and you are paying the service charge and you did pay for the food


yeah so that that still have added up lah


it does it doesn't have my favorite food like sewnsen's is now one of my favourite, as in like it's not one of my favourite err restaurants, I don't know I feel like the food err is the food is meh


want go back to that I mean like you you can always put in a complaint I guess


ya ya ya, oh my gosh you know that reminds me I it was one time I went to a pastamania and this was like during the fasting month


and then I ordered on foodpanda but it was a self pickup so I went to pickup the, food right , and then like they were so busy with orders and then the the, staff right they were straight up just like shouting at each other because this was during like COVID period also so nobody was dining in so they were just basically filling out like delivery orders and takeout orders


and they were so busy and then there were so many riders who weren't getting their orders and stuff like that and then, the riders were all super angry, and there was a lot of shouting in the restaurant and then I was like !wow! this is this is chaotic, Weh


like the staff was straight up just shouting at the riders and shouting at like people, like ya there was no, order any more like as in order as in, what's the word it was chaotic yes it was chaotic


like the manager was straight up just shouting at like, everybody and then I was like !wow! like they really I don't think they really could have cared if they Kena


yeah so it was, uh that was very chaotic and I felt like I, even though I kind of felt bad for the staff because they were definitely, overworked, and


things were like out of control but it was kind of, uh much for them to lose it at people who they don't, work there because you still represent the company and stuff like that, I remember there was this like, and I felt even worse because one of the staff was actually this like old man and then the manager shout at him to pick up the phone cause the phone was ringing


and then after that he shout back and then he was like I don't want to pick up the phone ah, I was like, I I was like, , it's not like like people can see right


and I got there at the time that I was supposed to pick it up by the way, yeah and then when when , when she give me my food right then she was just like err you check like if it's correct, and then I was like


okay and then I like dig and then I mean like sure enough he got my order wrong so I had to like, sorry excuse me err you have forgotten then she was like and then she like err I told her what what they forgot right and then to me it's like, you already asked me to check correct so you should trust


that what, I am saying that I'm missing is wrong then she go and check again then I was like like that you might as well check from the beginning sia if not it's like double job, yeah ya


I mean like and have ten minutes or something ya


was it like very Atas


oh okay I think any salon that offers you drinks is a salon that you're going to , no it's just a salon that you're going to pay a lot of money for, , which is which is I mean like it's true lah it really is true


ya I know I've seen it on I've seen him of it's washed, ya I I mean I'm sure I have, I'm I would have but like off the, top of my head a lot of my positive experiences err probably have to do with food ah places that I eat


yeah, err I used to go to this , I used to go to this really, err secluded #ayam penyet# place at lucky plaza that I would tell everybody about, it's called Warung surabaya


and it's like in this corner of lucky plaza that you cannot see, that you cannot see and , I used to go there all the time when I was working in town area, and


ya like the service there was really good and I don't know whether it's because maybe it's like a family run business or something but I remember after I went there a few times they started to recognize me , err my face ya so like, and I will always go and eat there alone so like


ya they will give me the table that I always like to sit at which is at like the corner lah so nobody can bother me and then err when I eat so I think after like the first maybe maybe by like the third time I went to eat there right, , one they notice right that I didn't


eat the tempeh, ya so ya so you're not ya so normally like #ayam penyet# they will give you the tofu and the tempeh right, but then , ya uh I think I don't know why I didn't eat that tempeh at that time but I think by the third time right they started replacing my tempeh with Tahu


with with tofu ya so I thought that was very nice and then after that I think one time I caught the , owner or like the owner caught me eating there then after that err he ask me like he say oh I notice you you come here a lot then then I say oh ya cause I I work nearby here then he like oh okay okay okay then he say err then he started give me discount lah every time I come maybe like ten per cent discount and then he will also ask me like


how what I think of the food and stuff like that but the food to me it is like consistently good so it always stays the same to me , ya so I tell him lah oh I like the chili I like what, everything yeah, so that was that was nice


(ugh) I don't remember I haven't eaten there quite sometime I think around seven dollars at, the time I was eating there , I should but but I'll tell you first I think they changed management because, I think the that family sold the company to like a maybe a bigger company or something


because the last time I went there I didn't see them any more, it tasted the same , it tasted the same but, the portions were slightly like smaller


a bit stingier like the you know the feeling , it's like not the same it's just not the same already uh yeah, ya they were they were it's authentic authentic indonesian's cuisine


!aww! that's so cute


oh !wow! I have a different like opinion on Nasi padang, but, but okay I mean like that's your opinion that's your opinion I mean good for you good for you that you have very good like (uh huh) Nasi padang experiences


that that was all that was going to be my point about Nasi padang, uh yeah, it's it's pretty overpriced, yeah, I think you can't compare like secondary school lah cause secondary school is like you know it's, cool yeah


but do you have any other like I don't know positive experiences I mean uh aside from food, is there like any place that you are loyal to


I don't think so I I feel like there's I feel like there's value in in being a loyal customer to a certain place, I guess, most more recently my lash extensions, , yeah I mean like but that's because like I I prepaid I mean sure I prepaid


package with them but it was I mean, they are very good lah they are very good I like err, the quality their service , yeah, I mean there's there's pretty much it it's very


I'm, okay I I guess I like, that it's a small business, and it's also a small business somewhere in jurong east so it's not like a it's not a chain ya that's the word it's not a chain business like for example I can't think of any less chain lash extension chains right now but for example like brows there's browhaus which is a chain


business, I noticed that we have a lot of chain businesses , , they don't err there's not, the dedication is not the same it's just not the same, ya so , I feel like with smaller businesses for example like the lash place that I go to


I like being recognized because I feel like, they value, they they they they like put a little bit more effort into you you know because they value your loyalty ya I mean like similarly for other place so it's my nails so you know uh bugis street has this


has this lane of like just nail salons right and then a lot of the time when people go there they just like see whoever like either approach them first or they just like eeny meeny miny moe they o go because all the prices are the same and everything right , but then I decided to be remain loyal to this one this one salon also because


, I went there like maybe two or three times again and then the, one of the girls like recognize me, and then she started giving me like little bit of discount like she ah never mind lah I this one I do for you free that kind of thing so I feel like there are perks that comes with being loyal to a certain brand


ya so even


I mean there're there are okay mostly it's all like personal cares lah because here's the thing with to me right with personal maintenance, maintainance like example your nails I do , like hair removal also so like hair removal and and and uh


what's that what's that what's that thing, lashes , ya all these like personal, care stuff right , I feel like you cannot just like go one time, unless it was a bad experience right you cannot just go like uh, whichever willy nilly like choose whenever you want to go you know you mean whichever brand you want to go when you want to go because


uh like, if they're good right then you should stick with the brand lah right because, these are very intimate things that, not all brands can get right, and not all brands can provide the same kind of


oh okay I also, ah okay okay I I understand maybe if retail it's like slightly different


but maybe my perspective is slightly different also because I worked in retail so I see the , I see the rewards of of loyalty also from the retail side I don't think I have been , particularly like, loyal like I'm like you lah I'm always looking for I'm always looking for the best


ya I'm always looking for the best deals but err with retail but , when I was working in retail I knew a lot of customers who, come who would come back and I recognize them as well like ya when they come back for certain


loyalty perks ah, I feel like err customer service, changes when the customer service person recognizes you, it really does because I find myself doing it too like if I recognize a customer I subconsciously act nicer to the customer


ya like you're establishing like some kind of relationship with the customer I guess, yeah, and then similarly like when I always feel inside right I always feel like they will never recognize me because I feel like I have a very generic face


but then when it's, it's such a nice feeling you know when you go into a shop and then they're like eh didn't you come the other day, and then I'll just like oh, ya I did you you remember ah , yeah


ya you should you should and maybe you you you you get that, I think it really changes your whole your whole, correct it changes your whole shopping experience or your dining experience or whatever that


place is it it does change your whole experience because it feels like you are validated, in a way like, you feel like some kind of VIP I don't know, like you like you spend enough money therefore I recognize you


but it improves your experience it does


oh but I think it's different when you are when it's like over the phone like over the phone you don't have that kind of , I mean you can't recognize you can't recognize people by face, ya so I've I don't think I've ever had a very positive experience over the phone


!wow! you're so nice I would I would normally just say like oh sorry I'm not interested and then like the call will be over in one or two seconds


oh my god you hung up on them halfway okay that's something that I would ever do lah I will wait for them to finish talking , I'll wait for them to finish talking, is it just me or it's like over the phone more pressure


more pressuring then like, in person interaction, I get a bit more nervous over the phone, it feels so intimate like people in your ear you know what I mean


but how did she get your number, oh in person in person sorry


oh my gosh I I think I would've I I can I think I would have stood my ground, oh it's okay maybe when when maybe when you're like slightly older I used to be like that also I really did used


to be like that but I think when like as you grow a bit older you really get like tired of this thing like you really don't want means you don't want, it's very easy to say no ah, yeah, you know it's funny I think I, the most recent positive call experience that I can imagine that I can remember right now right was with a grab customer service officer actually


but it's ironic because I called to complain, I called to complain but then it, it turned around like so fast like the guy was really genuine and nice there's something that I personally appreciate with customer service officers is which is that when they are very honest and genuine with you


like I understand because I I mean like like I said I mean many times before I worked in retail before and I know that the company tells you that you cannot say these kind of things you cannot do this kind of things blah blah blah like I they tell you what not to tell the customer and what you can tell the customer and I understand that but I feel like


especially when you are , dealing with a customer especially when you can read that the customer is very like genuine or like when the customer is upset right and you can trust that the customer will like will not backfire on you when you tell them like the things that you're not supposed to tell them


I feel like it's a whole new level of trust , and I feel and I and I can appreciate that, like, ya so even though the grab guy lah I was calling to complain and obviously there are a lot of things that he cannot say to me, he did tell me like he said like oh I shouldn't tell you this but blah blah then he will tell me and then it makes me appreciate him a lot more


yeah so I think right in a way right that was a very good thing for him to do because


I wouldn't have put down the call still feeling angry about what was I going to complain about, in fact I felt good that he was honest with me, and like I felt that, okay good like I'm not angry with grab as a company, you know what I mean yeah


!hey! kadira do you ya


yes I do it's actually at POSB and my mom made it for me when I was a child but now it has like right ya the POS POSB kids but then like since I'm already past eighteen then it turned into like a normal savings account


ya but there's not much the in there any more oh you do


POSB kids I know wait ya okay so the thing is like last time when I was younger I used to get bursary awards like every year like not to brag but I would and then like I've I have to save them !duh! right but then when I was twelve I got my first debit card


and then like I spent all my money on online shopping


ya ya ya I know it is, oh when I was twelve so uh I


ya cause I have my own money and like I like to buy stuff uh for myself and I didn't want to keep asking my mom to like use the card every time so I was like can I just have my own card because you know I'm old enough and I I have, money and then she was like yeah sure why not and then I spent everything ya


ya the no the last time one is just for ATM but it has NETS ya but you can pay with NETS


they are just numbers and nothing else like it purely is just that, no it was like uh it was POSB colours


(mmhmm)


ya like you had a lot more function in your debit card like mine mine was for ATM but I could pay with NETS but there was no visa or master or anything like that


ya so now I have a full debit card because I online shop a lot !duh! and I need I need to pay with visa or something ya and then I didn't know they would cut up my card like after like my old card like I didn't want to I didn't want them to cut it up I wanted to keep


it cause , ya I guess for whatever reason


ya well I I was like I don't know I'm a hoarder I like to keep everything I like to keep like all my old cards ya


that sounds like a movie scene kind of vibe like you know when they way when they're broke ya but like I got my debit card pretty young do you think like a child should be given one


I totally agree with you like looking back now when I was twelve obviously I thought I was mature and like this is my own money I can spend however I want or like or or I'll just make sure to keep like maybe two hundred left in the account , ya but then I kind of regret it now like obviously I have like I'm kind of broke nowadays like I wish I had some set aside


so I mean unless yeah unless like my parents were some sort of like finance wizards or something like I don't think I should have been given that option


oh


that's good


ya oh my god do you think I should start doing that like


okay I don't have a piggy bank but I have it in envelopes like you know the they gave out for #hari raya#, ya ya


right agree


but like do you ever think you'd find yourself in a situation where you would have to take out that money from like your OCBC savings


solely because of that


ya I do I can't find it though but I have it


oh my god you know like when I need cash right like physical cash I just like ask my mum to like pay like I paynow my mom and I ask her to give me cash, ya so she's like my ATM you get what I'm saying


wait but speaking of old people like I remember that one time my granddad was buying something at a store , and instead of being charged sixty dollars for what he bought he was charged six hundred dollars like just like that , like the person key in wrongly or intentionally I don't know and then it was only like by luck that he looked at the receipt and was like oh my god there's an extra zero there and then he had to go back and the person like gave him back the money in cash


ya just a moment he paid by card and then it's like I don't know I don't know about you but sometimes I don't look at my receipt, cause I'm not, yeah well I should start that habit like ya and then he as he was leaving he looked at the receipt and it was like six hundred dollars instead of sixty dollars so he had to go back and be like why did you charge me this


ya it was probably a mistake ya but


wait a what she had to like come out of a pay cheque or something


ya you're right but like we you can't get the police or anything involved, uh I guess but then like you you mentioned that you had all this money saved up in your account right like do you know if you can like


like I don't understand how joint accounts start like do you have to apply for it or can you like connect the accounts together like you're like hi I want these two accounts to be joined now


(mmhmm)


ya maybe it's closed maybe your mom cashed it out but it's like saving it for you


not yet maybe like a truly rainy day you know


(mmhmm), ya I feel like when I hopefully eventually get married or something like I don't think I would share my account like have a joint account like what you said


I don't know I feel like uh ya, I don't know because I feel like access can be revoked I don't know how it works to be honest but something can happen and then you you might just not have access any more and then it's like all your money like in case something goes sour


yeah same , uh ya it's like if I'm going to work for them like my money especially if I want to get paid higher I'm not going to share I mean like like not in a joint account ya I don't know it just feels very like not a good idea


yes I get that like ah nicole this like contribution


ya cause (uh huh) err I can, I don't want to because I've seen like like somebody in my family's credit card debt and it just is not like to look at it they have to pay back like every month but that they can't even afford it


but like they you know like the credit card allows them to buy whatever they want and then you have to like suffer the consequences of their own actions ah and then it's just very , scary cause I know I can't control myself unless I see like my money run down to zero then I'm like okay stop spending but credit card there's like a limit right but then it's like you can spend even if you don't have the money in your bank


so it's not a good idea for a shopaholic like me


yeah I guess ya ya ya I understand that but you know for right now I think I'm sad ya unless like I'm planning to buy a car or something really but I don't honestly I don't even see myself buying a car so hopefully I can refrain from that like I don't need to make a big enough purchase you know


it's like you pay in deposit lah then instalment but then you don't have enough money on your card then you pay with credit card or something like that then you have to pay the interest back


negative experience , okay negative experience like off the top of my head I remember I went to KL and then I stayed in this hotel don't know if I should name the hotel okay just Zon hotel


ya Zon hotel Zon hotel so like I've been there a lot of times especially since I was a kid it was like the place that my family my extended family and I my family would go to to like you know, go on a vacation together in KL so we always had good experiences with them but then when I when we went in my sec four year in twenty seventeen


it was like such a bad place like the quality went down so bad like it was dirty it was gross there weren't enough pillows even though we specifically requested more pillows for like ten heads or like fifteen heads , and when we asked for more pillows they were like oh we can only give one for each person uh and I'm like which hotel only gives one pillow per person like you know at least there should be two and it was like kind of all dirty


ya and then we have to like call them again and tell them change the sheets on the pillows cause like there were stains and everything it's just gross lah and I feel like, I don't know where the like quality control is and the staff were kind of , like they made us feel as though we were asking for too much


but we were paying so much money to stay there especially for like four days four days three nights ya so it's like as a customer I feel like uh I should be able to ask for all these things but they made me made my family and I feel like, we're snobby and we're like you know like what snobby singaporeans that kind of thing like looking down on malay ya but that wasn't the case at all we just really just wanted like our money's worth


cause you know it was the first time in a long time that my family and I had gone there based on all these nice memories and then all of a sudden it's like the management is like , no we can't give you what you paid for that kind of thing and then like the people


but they didn't give us that and they like made like they really were like so like adamant about it like they were like nope you cannot have, more pillows and it was only when when my auntie like who's like you know who takes charge and was more stern about it did did they they come to our two rooms that we rent like that we err rented for the night on like the entire floor


and then only then like did they come up with like I don't know only two more extra pillows and we were like no we need like a lot more and we paid for it so like why can't you just give us that, ya and that's what I don't understand and they they really like cause it was like the first day obviously so it felt as if like it got off on really like the the worst place it can get go off on ya


it wasn't even good


I see sorry it just gross to


oh you stay like do you stay in a lot of singapore hotels, oh you just eat I see


I just I never feel that hotel buffets are worth it to be honest like I rather go out to like err the city that I mean and then like just find food there I don't know it's just not worth it to me, cause like especially like some hotel's breakfast err is damn good but the other ones like in korea that time when I went it's a three-star hotel okay but


still it wasn't good at all like the butter was frozen and everything it was just one big chunk of butter that you had to get for yourself ya and like I don't understand why they didn't have the small more hygienic pods for the butter


ya and then I think the toaster was, have you why, uh uh it !eww!, ya and then like, exactly and it was frozen by the way it wasn't even like nicely like you can scoop it ya I don't understand maybe we were too early but it was already nine AM it wasn't that early ya and then


anmon , no I want to go I wanted to go there yeah


but so what was it like it was just


did you end up buying more dishes


was it cheaper okay I see was the food good <B>


ah I see I see , I see


ya I get it ya I, I think like in relation to food I always you know swensen's has the one for one lunchtime thing do you know, it's like err from two thirty to four thirty on a weekday you can buy like one main dish and get like another one free then you only have to pay for like one that's the one with the higher price


ya and then so like my mom and I would go either a lot cause like okay during holidays I have nothing to do so like either to take her out to eat , and then like sometimes like my mom and I don't eat a lot like we cannot eat a lot in one sitting but we can eat a lot throughout the day


so like we ordered two but we couldn't finish our food and then so we we said like could we bring one home like we just share one here so we'll bring one home and then like didn't let us take it home and they were like oh no sorry you you have to eat in in in dine in uh you can't take away the other one


uh then we were like but we paid for it so like what's the difference what if I eat it here or if it eat it at home right they went no no you just cannot and then ya they kept like they were like almost scolding my mum they were like no like these are like the rules and whatever I'm like (uh huh) but I paid like that's the most important thing what right so I don't understand


and like the lady was taking up quite a rude tone with my mom and I didn't I didn't like it lah so we just said like okay never mind and we waited for the person to go away and waited for like another waiter , and then the waiter was like yeah okay and so we we didn't understand like why there was such a


like why they were so adamant about ya no you can't bring it home like ruin our lunch


ya that's why so yeah in the end like my mom just took one bite out of like the other dish took like the like yeah I can't finish yeah it I mean ya I mean like I get terms and conditions but like at the same time it doesn't make sense also yeah


ya exactly and like, even if like okay maybe if we were if we in were in the wrong I don't think the lady should have like been so rude to us like it's not like your terms and conditions are plastered like on like you know it's it's small it's always in fine print like I'm not who's going to be reading it


it's only worth it when they have the one for one cause I don't think the prices are justified it's like fifteen dollars for one like dish that you can get like I don't know fish and chips like they're not that good yeah so I think one for one is worth it but other than that I won't go there to eat especially after the lady yelled at me


it really does and like they want they want to like follow up on it and be like can we get more details I'm like oh I never mind lah ya and also I don't want that person to lose their job like I'm scared like I'll cost them you know their only like source of income


ya I get it


I get it get it it was chaotic


I feel like that happened a lot like a lot of food chains were like that uh especially during that month that time like during ramadan eh I don't like buying I don't like picking up food for break fast at like all these restaurants cause it's always a bad experience ya


so how long did you end up waiting for your


oh


ya exactly wasting time then how long more did you have to wait for the correct one


okay like I I I got quite a lot but I don't have


specific memories of like particularly like amazing experiences because so far everyone like every shop retail outlet or whatever that I go to they are quite nice and everything but I would say that like the most recent experience my haircut the one that cost me two hundred and fifty dollars


and like a bit more for product that I bought from the salon it was such a good experience because like first of all the ambience of like the hair salon is so japanese and like minimalism and like I could not find the store at first cause it was like this was the glass door and this is like a white wall covering everything


and then you think it's empty but actually inside is like the hair salon , ya and then I was greeted at the door and then they were like how are you like do you need anything like please wait a while and then then the hairdresser came out to get me , very and I was like !wow! this is how the rich live you know like never before ya it was my first time went spending so much on a haircut and it was just such a good experience cause my hairdresser kept asking me like cause he was perming my hair he was like that does it hurt is it too hot and everything


I guess just that level of concern makes me feel special pretty sure he does it for everyone lah but, you know never had that before it's like they go the extra mile and they they offered me drinks and everything


, yeah , it is ya I I think so like my neighbourhood salon don't offer your drinks so ya but like typically I go to hair salons in malaysia as well and like they're quite good too like meh customer service is really great and the prices are obviously more


competitive like especially for us singaporeans ya, and my hair has come out good it doesn't look good now cause I haven't washed it but it's quite good


what about you have you had any positive experience anywhere


oh why didn't they stop giving it to you


were they like


I get it I get, were the family like actually indonesian or something, oh, I want to eat authentic #ayam penyet#


okay but like speaking of like rice and everything I remember, specifically like in my secondary school like err there's only a few halal stall stalls right, like where can I to go to eat but like I used to be very picky with my food because I don't know why but I grew up like that like I couldn't eat food that was like not hot


and like ya like I have to microwave every single time I eat, cause like I don't want my food to be cold but like I remember the the rice at the mixed rice stall is always like hot like the #mak cik# would always make sure it's hot for me I don't know if it's just for me lah


but like she always say like ah like Adik this is you know Panas it's hot then she will point to like the Lauk that she just cooked or just put out and then she like remembers me also and then like she will give me extra Bergedel sometimes, cause like I ya I don't like to eat like too much meat cause


cause like ten AM in the ten AM right like how am I supposed to digest that much like meat so I would just, we we have like one small chicken and then like a few Bergedel a few Bergedel you know like a vegetarian option ya then she would she would you know like not charge for one of the Bergedel or give me extra or something like so sweet ya and like she always call me like #adik manis# which is like sweet


sister ya like ya I love buying like Nasi padang and things like that cause the #mak ciks# are always nice you know


dude but like that was the only ya like positive experience secondary school life so sad I only remember like being the #mak cik# being nice to me no lah I'm not that sad but I mean secondary school cause it was for kids lah it was quite value for money lah like


I don't know when I go to orchard the is it food opera like I think ya when I worked at orchard like I had nowhere else to eat like there was only like a few halal stalls I guess like one the Nasi right the indonesian rice or something , it was like ten dollars for like the meal I bought and I was like what cause in school it was only like two two plus


oh like ya so ya so I guess comparing it ya, of course not ya ya for kids ya


no I don't believe in like brand loyalty


ya but I feel like ya sorry so far like the places you mentioned that you feel loyal to are like the ones that you have to keep coming back to


right like ya nail and brows ya I don't really okay are there any other stuff then like brands that you feel loyal to


uh ya I I guess like that's why maybe I don't feel that kind of like loyalty to like a certain brand cause like it's not a service that I have to keep coming back to , I like I don't ya I don't do any like personal care stuff ya so like whatever you mentioned I don't partake in it in any of that and mostly my service experience is just like going to retail outlets


and retail outlets like I mean it's just typical what it's just they'll just be there if you need anything they'll just answer your question so it's not a personal personal experience , but maybe the only thing is like when I'm on carousell and like the sellers are nice that's it ya which is why I don't feel loyal to anything cause I'm out here to get like the best deal there is


so I don't care like ya if I'm a member of like I don't know like a bag shop if I'm going to buy a Kanken bag I'm going to find the cheapest one that's like okay on carousell you know


!wow! ya but I get that it's like familiar and you're like they keep coming back I guess, (hmm) yeah


no you don't but yes, yeah , !woo! I've never had that I want that I should like visit the same shop more than once


ya but I feel like ya I'm on , ya like the extra perk is just like the workers are a lot more nicer to you


it does ya ya it's like a invisible kind of like written rule you know unwritten rule


I've had like I mean like I don't buy stuff over the phone but like you know they will call me up and be like do you want to buy insurance and I'm like , I have no idea what insurance is I told you before ya but like they're nice in a sense that they don't try to hard sell me when I tell them that I'm only nineteen and I haven't started working or anything and like my dad has insurance for me


and then they'll be like okay like just to let you know like you know like you can call back if you want and I'm like thanks so I guess nice in the way that they don't bother me any more when I tell them not to


no that's the thing I think the other day I got a call from AIA and then AIA insurance lah right like you think about that and then I said oh I'm not interested when a person said like their name and their company and then I realized that maybe it was them getting back to me about my hospital bills


but I Paiseh already cause I said oh not interested sorry I don't want to buy and then they're like oh no no like we're trying to update then I press the like hang up already so


I feel like I get pressured easily sometimes so I need to like get off the call


no but like at least if I'm on the phone I can hang up then when when I I've I've had this experience like in person like someone tried to sell me a spa package , and then like they first started by complimenting me and I thought like she was just a random girl trying to say I look pretty you cause I did dress like a a new style that day and I was feeling myself and then I was like oh no she didn't get my number like in person in person


ya ya uh like I'm comparing ya then in person I get I mean on the phone I can hang up but in person like it's kind of hard to walk away cause even I no no no like just you know like just look at is like you know a lot people have signed up blah blah blah and then though like I tried to walk away but the uh the only way I could get her off my tail was just to buy the thing so I bought the thing


ya no I'm a damn like Paiseh person I don't know


(mmhmm)


I get that I feel like if like the person shares like a secret with you like I'm not supposed to tell you this like I'm more inclined to like trust and feel good in their presence you know


ya


finance, right so uh the question would be that do we have savings account so you wanna go first


ya I think I think that goes for the both of us yup I think having a bank account these days would be essential in order to ensure that we get paid


oh yup


but what about what what about keeping savings in that sense for me I would agree with you that err yup the convenience of banking is is is great we having a savings account with the bank, uh you can do a lot of online transactions and and and you know ATM withdrawal to get cash as and when required that that's probably a convenient uh for having a uh savings account


err but at the same time also it it is also an avenue for where I can keep my money ah for for savings uh in that sense I mean to me it's more than just an option is more than just a a a facility whereby you can move


uh cash around without having cold hard cash so would it would it like I hear what you have said in terms of you know you have cash on hand and all that as well what, what about those cash that you have err for emergencies would wouldn't you want to have somewhere secure to to to save uh those uh those kind of moneys you know like you know like they always say you know we save money for rainy day


so we need to save money and then really I mean, at this day and age you rarely hear people about keeping their money under the pillow or under the mattress kind of thing what about that then


what if I don't have access to mine oh meaning uh if it's in a bank account and I don't have access to it


[orh] okay okay, apocalyptic


but but in this day and age where just about anything is is digitize you know I mean a convenience of of cashless payments at vendors at at shops and all that


wouldn't wouldn't that be be be an option as well I mean in that kind of scenario uh give it lah you know maybe some third world countries may not have that convenience but


ya ya true true true true


but , what so far for me is uh in terms of reputation of the bank the local banks that we have in singapore like POS bank and DBS that kind of thing I guess being reputable and all so give it give it an assurance that those banks will always keep my money safe ah so that's where


that's that's that's for me an option to keep my money in the bank err is there because of that assurance err and also at the same time of of course lah you know they do offer some sort of benefits like the the the annual interest rates that they have, and all that though it may be small but you know it's it's I guess it's a form of reward that these err banks err err share with their with the with their patron I guest


true true true true


yup, true true , well uh there was a mentioned about credit card uh so let's talk a bit err the little bit more about credit cards and all that good or no good devil's advocate xavier what do you think credit cards brother


ya , yup , yeah this was yup this was an experience both of you both of us had in common we went through that it was hell err but but you know by the grace of god err it was hell and back and we made it and we are still alive


again a credit card can be both err a savior, but a devil's advocate or devil in disguise for that matter as well I will totally agree with you on on on on having a debit card now would probably be a better option based on the experience that we have what I just wanna add on that uh credit card is like a responsibility in that sense I mean


some people may think that uh what you talking about responsibility at this day and age especially at our age where that matters so we should know the term responsibility like it is second nature to us, but I just want to remind myself err as well that yeah it's a responsibility it has that power you know err a credit card you know lah you got spending limit you know two times err the the the monthly uh the uh two times they it


of their your monthly income in a sense some of them would give that limit some up to three months for the matter and you do not need to have cash available you know it's a virtual credit as given to you all you need to do is just use it and pay it back yup for me what


yeah that ya that's the thing that's the responsibility for me that gave me a sense of power that time you know when I first got my credit card it was a sense of power you know you can just sign it up and said I don't worry I can pay for this back later and and I guess some people will probably go into getting a


credit card in the very beginning stage uh of their lives because they believe and they have that confidence call it arrogance call it call it overconfidence for that matter I think to me is a bit of both lah that that that we went into that stage you know and it just


incurs and incurs into a figure that is just so oh my god err you went through it I went through it five figures same here as well but I guess err at some point in time in, that experience we both grow up we take on responsibility and we are better at at that now so I think if you ask me for credit card yeah it's it's both err a good and a bad thing it depends on the power of the user so if you have it then yup


ya I get it


yup yup, yup yup, sorry even even now for that matter if you if you are talking about uh advertisements on credit cards and all that there's no mention about all that it's always that convenience convenience you know


yup yup


same same here same here same here same here yeah exactly exactly exactly exactly


, same same same, ya


same here same here same here


yup yup , uh, moving on to to the next topic we are already talking about families and all that so there's this store there's this option saying that oh should you open a joint account with your partner you know I mean I'm the one that it still single and you are the one with uh the one that's married but but personally personally let me let let me just say my part here personally I think


having a joint account is an awesome thing lah okay to you to start something with a partner and watch it grow together yes but sorry man for me I'm not sure whether is it because I'm I'm I'm still single or that's how single people think, for me even if I do start a joint account with a partner of mine be it a life partner a girlfriend or whoever it is you maybe


I think I will feel much safer if I maintain my own personal account on the side as well that's for me that's my security what do you think that's that's what I think in that sense


I don't know man you you tell me do you do you think couples these days err or do you know if any do you if any who actually want to have a joint account for me I maybe I think is a personal things well not many tend to talk about it but


true true, yup


I think honestly err regardless lah err, I I'm guessing some people may be blinded by love you know it's like oh I love you you love me mine is yours yours is mine that kind of thing but I think as an individual I think is an individual uh uh we need to have that security net ah no matter what also we need to have a special stash somewhere that that's going to cover us


can cover us yup definitely


alright alright yup yup


ya I think it's something which which I think we I think as as


stopping now [ah]


negative experience, Zeff I take this one first ah because I got something that I just experience recently ah, okay they are called foodpanda, okay now just to be just to be clear right okay I think foodpanda delivery guys are awesome I think they are very hardworking and I appreciate the things that they do rain or shine they still deliver regardless and I think they're awesome for keeping their spirits I


and I gave a thumbs up to that foodpanda guy that is waving to everyone in the last parade that kind of thing I think it was an awesome guy but I'm talking about customer service chat in foodpanda, oh my god I hope that you don't have to go through it bro cause it's a it's a very it's a vomit blood experience ah okay and this is what happens they have a service uh that allows you to pay via paynow or paylah okay so


and it seems that they their system is a bit screwed up that if you make a paylah payment right you make a payment based on your initial order and I sometimes order groceries this just started when I order groceries online you know, those late night uh groceries for that matter as well okay and and the reason I use them is because the the service charge the the the delivery fee is zero yeah


so I I order five items so far for example and I paylah using a based on the five items I ordered but when it was delivered only four items came, so I am expecting a refund for the one item that that err that has not been included in the delivery lah okay now what I found out is that you are supposed to be responsible to claim


for those, uh items that is not in the list okay, yes, I mean I mean there's no process where if you pay by credit card no problem because they will send the revised itemized bill and your final uh amount will be charged based on that


they will have a say let's say you ordered the five items and only for came alright so they will sent a second final bill of those four items and your credit card is base it will build based on those four items only safe, but if you use paylah you pay for the five items upfront


but if actual deliveries only four items that for that one last you have to make the claim, they're not going to be proactive enough to actually say oh mister azahari based on your last order only four items this is the item that dude three times ah three times I went through the same BS for that matter three times okay and you guess ah how much is the average items per per per average amount per item you guess how much


less than three bucks bro less than three bucks I had to go through hell and back okay the reason I had to go the whole to hell and back because I found out that according to the process I need to submit the claim, to get a refund okay and when you talk to the CSP people on the foodpanda chat hello oh my god vomit blood bro okay is like you are talking to a board alright but I know they are not a bot because


with the amount of BS I've given them okay I think no bot is trained err enough to to respond to my BS to them for that matter as well but zap the amount of lies and deceit for for a matter of less than three bucks ah


oh my god, , what but okay just listen out why why I says it's negative lah alright okay, they they say they say oh we are sorry about that mister so and so that kind of thing you know you do you know that oh you you're in angry okay the amount of sarcasm I'm giving them online and you know how much sarcasm I can give okay alright they still have the goal to actually give default jokes


for that matters as well you know it's like can you it's like when I say can you please check on this without asking too many questions I'm really frustrated at this situation for that matter as well, simple things like that ah they replied oh mister azhari yes uh give me two minutes where I look into this in the meantime do you know that err uh do you know that sandwiches actually derived from nasa astronauts or what crap that kind of thing


I would just purposely answer that I'm not interested in what NASA astronaut does I'm just interested in my three dollars that are your guys owe me, and then they will promise a call back and no call backs will come, okay they say that the money has been processed for refund they will tell you it takes about forty eight hours for the money to be refunded one week later still not refunded brother


exactly but I kept thinking about, the people that I know that does foodpanda delivery they need the support I've got no issues on that no I have really got no issues on that you know


it's just this I just do not want to go into the to to to to talk to any more customer service err representative for that matter cause I think it's bullshit seriously,


I think so I think so


exactly no one says much for that matter but you know me lah three dollars it happens three times you think I'm going to let it go ah, , but to me it's the it's the promises man oh my my my my boss is going to call you back my boss are going to call you back


you know it's like everytime and and the thing is the thing is everytime when I talk about where I give them a hard time right okay it's like a KPI ah everytime it goes to the moment where I know that the other person is about to snap ah okay the line would be disconnected and another person will take over


and the default and the default message will come oh it seems that our line was disconnected for that matter I had to resort to say that when I know that the guy the other guy is getting a bit pissed with me right I will just type and say oh and go ahead and uh have a disconnection issue at this point in time


and then you see the next message ping sorry you're uh chat was disconnected we're not connected, , if you go through the internet if you go to the internet or you just type in foodpanda okay you know in google search that on a foodpanda you have their company profile on the right right okay you will see the top three and the top ten comments for that matter none of which are positive


you go to their facebook page okay you look at their comments for every post that they have, almost none of them is positive and every almost every single one of them is talking about refund for that small amounts ah, for the small amounts you know I even had a question I ask them you know


does it really is that is my three dollars something which foodpanda needs to have in order to keep before a business running, exactly and they don't care really I am


I'm even, part of me and you know that I come from a service background okay, part of me wants to really go down to the office and have a word with someone


exactly, there's no there's no there's no empathy bro seriously


put it on hold lah Adoi that those corny joke does that oh my god


oh !wow! not even a warning letter reminder so that you


ya I think I can I can understand that lah for that matter but there there there are some service providers out there is just oh my goodness it's like I said ah it it goes back to what err we I said earlier in terms of service for that matter you know some people


thinks that it's a career, and they just make a career that's it you know, I mean, and then and then and it makes it and it makes the job a little bit mundane, per se if you think of it that way you know but I think service have to come with the heart lah


and and my experience so far with foodpanda has been the most, obnoxious err atrocious horrendous and whatever negative other, words that I can think of which is probably going to be a bit more too explicit to be mentioned in this forum but it's is that lah well is is is bad seriously it's just bad I think at the end of it


I don't think is a is the amount that matters for me honestly if you think about it some people may say !wah! azahari, it's only three dollars lah it's only two fifty lah let it go lah you know take it as is charity take it like it's only a a a a a money to be given to these people but dude like what you said


me one person Cakap lah this way lah me one person ah two dollars, okay they do the same the they do the same to ten people how much is that, twenty bucks, you do the math ah you you do the math ah how many how many uh how many uh uh uh hundreds of thousands of of of patrons go through foodpanda in a day for that matter and all they need to do is just siphoned two dollars from each one of them


you know there you go it's a scam and for a company to say that they they thrive on that okay and and dude, the reason why I make it so I am so disturbed by it ah is that this is not the first time I had to go through this for a matter of two dollars


three times already bro okay three times , ah man , don't go through them anymore ah, it's bullshit lah seriously it's it's it's very bad lah it doesn't work very much uh


err err err, I mean from a service perspective uh and you know that I've been in service for, long time ya how about how about


what no man I think when it comes to comparison err even a food truck in seattle has better service than some establishments in singapore


there was once , , correct there was once uh in a restaurant oh my god that that was that was the first and the last time and in and if anyone were to ask will I recommend anyone to go there I said never not in this lifetime or even the next if there is such a thing


okay, I tell you about it later lah but what happen is that you know you know uh, doing research on line you know I'm checking about what people say about certain restaurants and then it looks interesting if it's halal and all that I wouldn't bring my parents there as well okay


the expectation is simple alright, my parents are old okay I mean they look old anyone who sees they know that they are old, they are known as elderly lah okay so I'm not saying that I'm asking for exception handling or exception uh treatment for that matter as well you know I'm just asking for at the very least ah some respect for their elders that's it ah


that's it ah nothing ah, the first thing that had my heart I had a heart a change of heart for the place ah was when we step in okay, my dad was having some issues walking that day okay and err my mum you know she is also I mean slow lah


you know so normally they will ah hold each other to walk for that matter but at that time my mom had to go to the toilet first and my dad had to go to to his table lah okay anyone can see anyone can see you their own eyes that my dad had problem walking for that matter as well


does the server offer any help whatsoever no, okay the server went straight to the table, reach the table stood down there and waited for my father to arrive, dude I'm not kidding you ah okay that's one ah okay and I'm not bluffing you because when my dad was walking


another customer from another table saw that my dad had problems walking ah this customer stood up and actually help my dad to the to his table can you beat that, I'm at the counter still because I was still had because it was a what a prepaid lunch set or something I had


so I had to pay the thing first and my mum had to go to the toilet for that matter so my dad was left on his own for that matter and you know lah he wants to walk lah that kind of thing fine the man wants to walk let him walk you know but come on man you cannot see someone needs help meh


I mean if it's not that obvious then why did that other customer from another table actually stood up and actually help my dad to his table why that kind of thing, none okay and then, the same server for that matter I saw I keep quiet already lah you know so I was thinking okay that's strike one okay


second, ask for food you know my mum likes to type likes to talk likes to have conversation for that matter you know if he sees this kind of food eh say you know this one ah you got put this one or that kind of thing eh nothing wrong to ask that question you know okay nothing wrong to ask that question even if you say that is a trade secret within the restaurant ah


at the very least also Layan a bit lah you know, okay the ingredients are what it says in the description, dude I know how to read man I know how to read okay, my dad knows how to read because he made a he's the one that made sure that I go to school okay last I checked I can still read for that matter as well


you know just that oh oh okay so ya that's about it ah okay but having said that okay the food was nice okay the food was good it was really good okay my mum felt the service sucks as well okay so collectively just because of that experience


experience ah it could be just that one person I don't know it seems like it it seems like it you know maybe he's had a bad day for that matter but, just based on that, we're not going to go anymore, and in fact until today we have not gone through that place anymore


okay alright (ppc), ya it could be, could be, could be but ya lah until until until until we see or have seen or hear that it has improved


okay lah I I can't say it lah it's like it's like, you know is like that soto stall soto stall in adam road ah, don't know which Warung for that matter and the owners err the whole family never smiled whatsoever ever so grumpy and all that and


never yup, never heard grumpy and all that really, I couldn't take it man seriously man grumpy never smile #minta minta# to add chicken or add something else ah this one thirty cent more or this one twenty cent more


eh can say nice what it's not that I don't want to pay you know you know can just say oh this is gonna be twenty cents more I will gladly pay because it's nice for that matter but grumpy rude and there's a line in the shop I I don't know bro I don't know I don't know what logic that is bro


(ppo), [ah] it's done (ppl), stopping now


for positive experience,


(hmm) who doesn't know your problem issues, ,


oh yeah those were very popular back then and really ah


, , yup


ya broad feet lah, hi up


oh okay okay okay


, are they are they catering to to broad feet with high arc are they like specialized for that


ya but I think I think in this day and age for I think for for people like us ah my I wouldn't say those people like us I think for most people who realize the value of of such technology okay, and is willing to pay a little bit more just to make sure that you know you you get the right equipment the the the the best equipment to do your activities what do you think I think that I think that's I think that's pretty much general


okay


!wow! okay


yeah we know where nike comes from


(mmhmm) , !wow! !wow!, so it's not necessarily the bread lah I would say okay okay


, okay okay well for me a positive experience will be err a restaurant that I went through that I went to uh when I was uh visiting seattle err few years back