like one issue that I find vivid right is that the amount of money that you can take from take out of it when you go to visit the doctor it's very like, , it's like fixed it's like you don't you don't get to choose how much you want to thing but it's more of like the government making decision for you so like for example when my mom goes to her


to buy her medicine right damn the medicine is like thirty-eight dollars then she can only take she can only use CPF like medisave for four dollars then it's really like what's the point you know ya so for that, I really think, maybe they can ask choose but the concern is that maybe like what if we spend everything on a specific thing you know specific visit and then future you need


something for uh like a larger scale like issue that you have , yeah I understand that but I think the constraint like the restriction is like too much, ya there's there's something that I'm quite worried about or like something that I hope, they might consider ya what are your thoughts


ya mediheal


actually you know about the, sorry can I add about the CPF thing ya ya you're you're right lah about the, using your parents' money and all that, but like, then after that right it reaches the limit that they can withdraw so if they they want to pay for their things if I'm not wrong ah then they have like they can't uh use that much of it or something like that like I know that there's a limit


ya, so that's something that I really like , why ya


negative product review, that's all okay I have one really really bad experience with


a grab driver so it was the hitch so , it's like you, you know what's hitch right like you share with as in it's like they're going somewhere so they just pick you up and then this this particular driver he was like so I have to go all the way from , one side of singapore the another side of singapore because like I live on the other end of singapore and then I went to my friend's house


okay then he was like saying I was really like rushing which is why I was like okay let's take grab okay and then if I don't take grab right I it'll take about one hour thirty minutes to go home in the MRT and is much cheaper, and then he was like when he's nearing then we was like or when I entered I entered then he say uh we need to pick up another another passenger then I was like a bit


I was already a bit triggered because like it's gonna take a longer time right then I was like okay don't wanna be rude so I said okay then we when when when then this person I think was in the chalet then, we waited for for her to get into the grab for like twenty minutes


then when it was like fifteen minutes right because I thought from what I know there's a fifteen minutes waiting actually no it's five minutes but ya I don't know I waited for fifteen minutes then I say uncle I don't think like uh she's coming maybe you can call her then he say it's okay let's wait then I was already quite pissed lah I was like, twenty minutes there then I okay never mind then I just let him wait then halfway he was like I'm need to drop her first


then I was like damn pissed, uh what do you mean you want to drop her first first of all you never inform me that you're going to pick up another passenger second of all then like that I might as well take train because it's gonna take that same time to go home , and then he like he really don't care then I just like called my brother to ask like eh what should I do because this person events like really uh then he say he say that then okay then the grab driver I think understood actually I was speaking in tamil then I think he understood cause of the a little english words that I used


then he's like ah girl you don't you don't complain ah I I drop you first, then I I I was like, for what like you you already like you take the exit to drop the person then you want to drop me then you just wasting time again then my brother say right like don't pay then you then we complain to grab you don't need to pay because he never inform you


then ah then the then I shouldn't have said it to the grab driver then since I tell him he was like you you don't want pay then I won't drop you, then he like he just stop the he just stop the car then I felt so like what the hell, like what you know you can't like just stop there and then I'm in the middle of don't even know where am I


and then I was like okay I'll pay you then he say you pay me first then I'll start the grab, like at there then I don't even know where I am then he was under that block, then I say I can't pay you the full amount then after that he say then I say I can only pay you uh ten dollars , then he was like okay give me a the ten dollar then I give but then the whole journey right I felt so like scared because


imagine you're in Grab and then this, driver just stop you somewhere and then say that if you don't pay I won't I won't drop you back home then you don't even know where are you so I was like oh my god, ya , so that's like the worst experience that I've ever had


I don't really buy food because from like Foodpanda or Grab all that because I feel like by the time the food arrives right like, cold so I don't I don't like, don't trust like other people bringing my food, , I don't know I just feel very like I don't know how they handle it maybe they'll like flip it or like anything you know ya so I don't really order but there was once where I ordered pizza home and then it was half cooked


the chicken was half cooked, ya then I was like, then my my family another one I'm telling you they they just eat finish, then like, they just like plug they they take the chicken then put one side then they eat the pizza then I'm like what you are all doing then you want to return and like refund also cannot because you already eat finish


then then I call them then they were like I told them lah it's not cooked then they were like oh uh okay uh then uh we will send our personnel must give the food then only we can give you another one but cannot right then I was like okay but again right if you think about it you know you are like very hungry and then you get the food then


then you have to like return and then wait for another thirty minutes then it's also like, people hungry people will eat ya then there was one like only one experience bad experience I had with, food stuff food related, actually no that's there was another okay this one is like food delivery right there was once where I went to a restaurant then there was a rat running around


ya it's actually quite expensive eh it's it's not one of those like cheap cheap like ya it's those where that service charge then there then there's rats and then I was I already then I called and like complained, ya I don't know what changes they did, you know there's a rat hole in the wall like you know the the tom and jerry the jerry that kind of then I was like why is it there like why are you all feeding the rat is it


ya, ya oh my god, , that was that that was pretty bad I'm not going there ever again


, ya just eat only


actually I got once my food got staple bullet, ya, then after that , ya then bite then uh, then I had a wisdom tooth surgery that then is like two weeks after that then you scratch, then I was like, tilted then I went I returned the food then I say like uh but you know I already scratch then like what do now then they were like uh we will give you free


what ah ice cream something then I like what it's not gonna heal like what's the ice cream gonna do for me but we just accepted it lah then you like oh then they give discount also like twenty percent or something, okay lah it's fine so that was one ya


actually I got experience with like service like, there was once I went to uh pizza hut and then right it was during secondary school so we have like a one hour break only so my I walk from my school to the, mall then walked back it's already like half an hour so there's only half an hour to eat then uh we ordered


the food was actually there already you know they just need to bring it and serve it to us because we know it's there because the like the place was quite empty and then it was what we ordered there is ya so we we were like is it is that our food then we wait wait wait then I went to ask the the


the waiter like hi is that like our food like we ordered like quite some time ago then the the lady went to check and she was like oh no it's not, then, after awhile I went back and I sit down then five minutes later I went to there again then the chef was there then he like like that then I think he noticed lah that like like they it he they never served then he came of the kitchen to give us the food


then I was like so pissed because the food was already like quite cold and stuff so I'm paying right I was like I don't wish to pay for your service charge because it's not worthy of paying , then they literally said okay it's okay man we understand , ya so I didn't pay I was like


that that was another one, it's like expensive you know pizza hut service charge, ya ya, you have such experience


I really just say no like multiple times until they scared then they don't want to talk to me , they were like hi ma'am then I'm like hor it's it's okay it's okay sorry not interested then after that I'm like uh actually I really not interested then they like okay this one really cannot convince then they'll go but if my dad opens right he's very nice so he will let them talk finish then you know when they start talking you cannot interrupt one you must if you want interrupt you must interrupt at the start already if you let them talk means it's


that's it they will keep talking, so my dad will listen listen then the end he will say


actually there was once right I feel like I was damn cheated okay so there was this uh person I was at the vivocity at the rooftop sitting down with my friends and then this lady came then she was like this is for , charity and then she was like uh so if you buy this like bracelet is like handmade bracelet with the strings you know like the friendship band that kind if you buy then uh it's not as in you can take this and then like donate like minimum five dollar you know they will have this minimum thing then that time I like me I don't know like I'm always


not that nice, but I don't know that day I was so nice then I was like, I said okay I don't even know why I said okay then she tie right then I didn't even she didn't even show me like any proof that actually working for charity or anything, and then after that she just like take my money


then she like walk damn fast, then after that I then she put in her pocket that's why I was like okay this one I think she's like not legit , ya then I I felt like oh my god am I that easily like you know people can cheat me so easily ah then I was like okay there's something if I wish to see her one day


before I die so that can I because I still still very triggered


have you ever bought food in the restaurant then like, it's like , taste different from usual, you know like every time you buy it will taste different so you like, like I used to buy this thing at I forgot what's this actual dish called at eighteen chef


I think is the is the hotdog one okay I'm not sure then there was once where we bought right, no is like not in the I forget ya then then like it was damn good and then I bring my friends eh let's all eat theirs not as good then it's like why is there no consistent like do you all change the chef or like what happened


ya that's that's one that I'm like okay then I realised just stick to the student thing don't buy like outside stuff , ya that was one bad experience also


personal space ,


actually I have like is is it like those you know like in the shopping centre then it like in the in the middle of the walkway then got this, Atas shop is it those kind


you know what they have a tactic actually they do like uh like approach the students you know because like, at that age right we really like, anything and everything for clear skin you just believe anything that you receive I also was like approached by this okay so like jurong point right got this walkway like mcdonald's to like the other end you must walk damn fast if you like walk slow right people approach you so you must already like I'm only looking straight I'm walking fast you know I want to faster lah like zoom pass this thing


so when I was young then I like they caught up to me and then they like ask ah then they'll be like you want free free product then you will think right is you just take and go but no is you have to like do like some stuff then they will give you for free , and then I also got the wash hand that one I only washed until here my mom just washed her hand I think she just don't want to waste the product


ya then after that, I was I was so like, I called my mom eh to ask her like uh can you come buy for me this one I was with my friend so it's really like, like, was at the age you really believe ya you believe believe like all these all real


ya then I was like (hmm) but now I'm like don't even come near me, I learned to walk damn fast near there, they don't have time to approach


no you know what's the thing like when you when you enter right your self-confidence maybe like seventy percent but when you leave right yourself confidence be like negative ten because they will try to set you like they'll be like uh I see that you have some dry skin then they will like okay actually you some scarring then you like I had all these like how come I didn't even know


then by the time you end like leave you know you will be like oh no like I think I need help with my skin and all those thing , that's something that they made they like, like take advantage of insecurities that people have so that's really like not a good uh sales I'm I mean it might work some people might


do it but still not very ethical


for like the health thing right I have one experience okay so I'll be I'll quickly say okay so before going to uni right we had to do like this uh health check up right so uh I went with my friend so no adult just me and my friend and then when we, went then they the doctor was like a male and then he insisted that we have to do the breast uh breast cancer checkup thing but the thing is like


, actually I was quite uncomfortable but he didn't say that there's option, like he just state if you want to do I can do for you if not you don't have to, so like, I did it in the end my friend also did it then after that I when I went home I asked my other friend who went to the same uh doctor then she say oh no he asked and then I realised she went with her mom


and then I emailed SMU then SMU say that actually they will ask you whether you want or not but this particular doctor didn't ask so I felt like very like sexually harassed like you know ya so I there's something I was like then ever since then I am damn scared to go like


positive product review so hi uh I'd like to share about my experience with uh Singtel when I called them on the customer service hotline okay so they're wifi


it's not like it's not really the best, I always have issues with it, so that it was during the circuit breaker time so my wifi was really bad and then I have to always use my uh phone data


for like even to to connect to my , to my laptop hotspot because like we were very concerned about people coming over to like fix it because of COVID you know people we don't want people to enter the house, ya so I have to do that and then I actually have like


thirty GB but I kind of like burst , I mean ya to hotspot to my laptop uses a lot so I actually I called them to explain my situation I wasn't really like , I just wanted to inform them about this whole situation but what they did was that they gave me one extra GB so thirty one so in that sense I didn't burst ah cause they gave me one extra so then they say it's okay you don't have to pay for the extra


so ya it was like really very understanding I mean I really like Singtel was customer service hotline you know the service that they provide is really good but the product itself right like the mio TV and like the wifi always have like some sort of issue


ya but that's that's, another thing but ya I like how they handle the issues over the call when you complain about it, so that was something I really like


I used to go to gym like before cannot even before like before before circuit breaker so like when the cases were like like eleven twelve, that kind in singapore you know the community cases not community the whole in total then after that I stoped because like I'm too scared lah because you know the equipment is like really shared then ya you mean they clean it but I'm like quite scared still


so ya, after that I still haven't so I think I'll wait until COVID like completely it's like we're done with it and then maybe I'll go back , I don't have much to say about that and but one thing that I do have is this, restaurant that I went


and because I really love ramen but then I I don't really, like like, when they put like pork in it so I will like always, like remove the pork and then just eat the thing yeah then I recently like, uh coincidentally I went out with my friends and then we found these are ramen place that actually is uh halal so they sell a they put chicken instead of


instead pork hen I was like so happy because, I've been trying to find for so long and it was like coincidentally we just walked passed then we're like eh why what's happening here and then we saw then it was like, really good and then there's the,


the the whole place when I was damn nice because it was like they have the , traditional way of like sitting like you know the cushion thing, ya it was like really cool I'm ya I'm gonna go back there soon because the taste also damn nice I recommend you to go, ya


so that was something ah about restaurant thing, dining experience do you have any


I don't know I wish something like that happens to me you can get free makeup ah , , but ya I don't like I don't really trust like buying makeup like, online, okay if it's the official official store then it's fine but then like like my friends like there's some friends who buy from Shopee and all that then I don't really trust because


it might not be real or it might be old stock you know stuff like that so like I don't really buy, but , another so like okay recently I I bought this , a radio to to put in my kitchen so the radio right is is very confusing to use I really like didn't know what there's a lot of buttons


ya I show you this one, okay so like I don't really know like how exactly to use so I message the the Shopee uh seller then they literally like get back damn fast and they like, guide you step by step so that was actually like uh like


misunderstanding I think I I didn't really read the thing properly so to use the radio right need to connect the wire so you must always stay connected but we wanted like a bluetooth, or like not bluetooth wireless kind ya so, that was quite sad but


ya they guide like every step and then like a lot of like when you on the radio right or the thing it will speak in chinese , so I really don't understand ya then they really like explain to me, then you kind of use it for a while but to always connect the wire they need to like use uh like the specific outlet for just this then we didn't use it anymore


but ya I like how they were very helpful


it sounds like too expensive, I don't, if I buy when there's like the birthday to you, apart from that right I don't really buy oh that one for one ya then I buy with my friend then we like split the money then it's like super worth but


instead of like other than that I don't really buy from Starbucks quite a lot, ya oh , it's damn expensive like come on , , seven dollars eh for the ya


ya is off the charts lah that one is damn good, I love it too then like okay, oh I wanted to say like how I like how right some of the local businesses


they have like uh Shopee like , uh page that you can go and buy but and then they also have uh instagram page, ya so I really love that like it's like because like when they post on instagram right they really like show that their product is actually authentic and then like how uh when there's like sales and like special deals they put it there


and then they have the link to the shopee right then you can go and buy like like that's like something that is really really good ya I feel like it's how to say gains the trust of their consumers and their buyers, and you can actually get like


quick updates because we are we are always like using instagram and all those things right ya it's like I think it's like a new thing, like that I noticed like , like uh huge number of people doing it during circuit breaker, ya, but I I really love that


I think this is like the new in thing, like ya the influence because, more and more people are you know uh learning to, like they are being more aware of like the environmental consequences of, you know really


like buy uh non-biodegradable packaging and all those things so it's really like of an in-thing, but you know when they do it when they like when uh, when a business or like uh product people like they , package it in this way is really it really like motivates me to


buy more from them you know what I mean, ya then a lot of times right they also package it in a way that you can make use of the packaging for something else so like you're using the thing twice kind of thing yeah that's really you also like really encouraging


let you travel for free is it, oh my god I had that once also because like okay I went in then I thought that I this was like the transition from JC to like uni so I still living in the world of like a student fair kind of thing then like


when you tap then I was like insufficient I was like oh no, and then ya he say it's okay girl you go in lah I was like !wow! sent from god you know this one I was like okay thanks , I had the experience also, yaa, I don't think that's like that's kind of like illegal right


, ya ya I know I know what you mean


!wah! you you go find to pay back ah not bad ah , , actually ah you know like those bus drivers right they really like the nicest people there's one it was like raining, and then like the driver came down to hold umbrella for us


that means the diver was getting wet because like you know like you hold out the umbrella ya then I'm just like !wow! , ya I think they like don't get the appreciation appreciation that they need to be honest , like even when there's like elderly coming in right then you know how they will go and like help


really really like that service ya


I have a few insurance lah like some my mum bought for me and then transfer here transfer there then after NS I, billed everything myself lah yourself


what do you mean by portfolio personal insurance, I think a lot of my friends are talking about endowment plan they talk about it a lot


like you have endowment


super basic lah like we need our health if I'm not wrong and then we need our, life insurance, and then we also need like a savings plan which is like the endowment plan right so I guess we get that covered then should be alright lah for me I think I'm looking to get like uh some life coverage lah in terms of critical illness do you know anything about that also


ya correct so what actually happen I think it was few weeks back ah, ya, was that it became more strict bro, like previously it was easier to claim but now because of the change and everything became stricter so you can't really it's not really as straightforward as before lah not


not, can't claim per se but it's just stricter and more in depth so ya not bad you you know about that


err that's a very good question so I got a very good adviser with me, so he mentioned that I should be spending about ten to twenty percent on insurance coverage and then err the rest I should pump into like uh investments and then my short term savings on buying a house buying a car getting married all that jazz


yeah so for now I think I'm at seventeen eighteen per cent of my income on my insurance that's about it lah


ya I agree bro like diversification is really very important lah in terms of finance but like if your topic on insurance you want to diversify ya okay but I still feel that you should stick to a very trusted adviser if not it'll be like


, contradicting advisers coming to you you get what I mean


oh ya I understand I have err same view on that but not maybe maybe a bit more matured will be will be just nice, so that he's more exposed like maybe got a few years, of err advantage knowledge prior to us lah as compared to us


on the topic of, correct ya so they'll be more exposed lah as compared to us right who're still considered just stepping into adulthood, on the topic of insurance agents right and advisers right would you actually,


go about doing up your own portfolio like you know like doing your own research about it like personal finance or like personal insurance or like when you want to buy a house and all this like you do up your own research and then you get everything yourself cause now you can buy online if I'm not wrong


or would you like actually entrust like everything with with an adviser


what do you look out for in an insurance agent or financial adviser


so it's more it's more like a, a professional adviser but then at the same time still can be a personal friend, sounds sounds more like that, oh that's that's interesting ah, do you think there are there are such agents out there


oh that's nice to hear, so in terms of like just now when we said uh the endowment plan I forgot to ask you just now about the endowment plan, what what what kind of endowment plan did you buy for yourself cause I'm looking to get one for


for my my wife


thanks so our in , in ya I'm I'm really looking for it so in my opinion there's like two kinds of endowments, like one is like the fixed kind and the other one is like when we can have cashback out of it that starts from the second year so


my my dilemma now is do I keep the cashback or do I just leave it with the company to roll I think in our age group a lot of people are actually looking into this err the idea of endowment they're more exposed to it right cause we can see like


walking up and down the mrt or the bus interchanges like we see all the, all the financial advisers trying to like you know talk to us about it so ya I sat down and I saw and I found out that there's two kinds of endowments lah and I'm more attracted to the second one which is the one with the cashback instead of just a long term commitment with nothing correct


so yeah but err I feel that the dilemma lah like I said that I was in do I keep the the cashback or do I like err keep it with the company to let it roll over the years do you have any similar ones


right right I agree, ya I guess I'm going to look more into it lah maybe roll it with the company to get higher interest like you said just now, then you mentioned you got like err, life insurance also right like is it like the term or is it the whole life


ah I see so when you took over from your mum, what were the, like did you have any chance to know look deeper into it or make any adjustments or or it's just like, basically just transferred everything to you and then like, continued to be the same policy


[orh] there's a, debate going on right like whether err life insurance err the whole life one is better than the term life one so


in in my opinion like the big trade off between those two is the term life insurance will allow you to get a bigger sum assured at a very low price as compared to the whole life insurance but the downfall or the cons of it is it expires


at a certain it expires at the end lah right and then you you don't have anything at the end of it so in order for you to get any payout from a term life insurance is either you, you know either like upon death or or disability lah I guess there's no such thing as a withdrawal or surrender kind of thing so


I prefer the idea of whole life to be honest like personally I I have a whole life insurance the critical illness one , because I feel like it's a win win situation lah, ya like you if if something happens to you and then you can claim of course that's the promise of the insurance company right


but if nothing happens you can actually surrender and withdraw like the the cash value so I think it's a win win lah in in that sense, ya it does not but it's super low like if you compare a whole life insurance and a term life insurance is it it differs by lot bro the premium


ya, what about ILP ILP is also a life insurance do you have one


ya I think we're on the same boat cause I recently bought myself an ILP also it's because like , unit prices are low so it's the best time to invest and like the years so


instead of like, thinking where to buy what to buy just just buy into an ILP ah it's a safe, safe option for me lah in my opinion, so that you're not a independent investor going out into the market right, so I also bought the the same one that you bought err which is the


I wouldn't call it a hybrid lah I'll just call it the non traditional ILP, where like it is a where the hundred percent of the premiums are actually used to buy the funds, so ya, in that case my sum assured is definitely lesser than the traditional ILP but it's okay because we want to invest I I want to invest


buy uh more funds, yeah yes that's what I love, so ya, correct, six payouts a year


I'll look forward to that day in the future when


when your dividends actually offsets your premium and, ya there's when that's that's when you know that you made the right decision like twenty years ago to buy an ILP, sounds to me like your portfolio is really much solid ah


you got you mentioned you mentioned you got like like health right, and then you got like the endowments as well, and then a life insurance and an ILP, pretty much sorted


it sounds like you're pretty much sorted, err, ya I wasn't as bless lah, I wasn't as blessed as you growing up like my my parents didn't get any err, endowments if I'm not wrong for me they got the they got the health portion settled lah thank god when I was younger


so all I needed to do was to pump up my, endowments like critical illness, and then the ILP was the latest edition lah, I guess for our age is like pretty much straightforward lah that's, that's the few things that we need to look forward to


err getting before we actually move on to the next phase of life, like after marriage and all


correct correct a lot of people thinks like err medishield life is enough, but in actual fact after I sat down with my adviser I don't think I don't think it's enough, just MediShield life you agree correct


ya, it's a it's a good supplement but I guess like we really need our own personal insurance to, to actually form a


bigger and better safety net in terms of insurance lah, on a whole ya that's what I think


negative experience


how often do you use Shopee


is is bad bro like I really really hate the last purchase I got from Shopee, to be honest everything that I have in my house with regards to my, bicycle with regards to all the accessories like technology and all that kind you know lah all the small small stuff right


it's all it's all from Shopee, I used to buy from EZbuy until I realised that err something went wrong there so I didn't, I didn't want to continue lah so transitioning to Shopee everything was okay man like after, my last purchase that's when that's when something happened so


obviously like before I bought it I see like there's uh see the review first right so it's like at least about four point five stars so I feel like okay this this seems pretty legit lah, so what happened was, I ordered everything at the on on on the same day right so I added it to the cart and then


, whatever make make payment and everything so now it's it's all waiting to be shipped right, so obviously the the things are mostly came from china so, four of the things got shipped out on that week


, and then there's only one that wasn't shipped out, and then I I waited and waited and waited no no reply for about two weeks eh, no not not even reply like there's no notification for about two weeks while the rest of the items are already shipping out like like on the way from china to singapore


so naturally what would you do, correct so I I did exactly that lah so I went to like the bottom of the page where they say like contact seller so that was the first conversation or first point of contact that I had with the seller lah so I was like hi err


I ordered the item like a few weeks back err it's not been shipped out is there any problem then he replied, in the shortest err way possible, he said err extend extend warranty or something like that because uh past the the shipping date or something like that


the duration shipping duration then I was like how do you, is that that wasn't even my fault right, and the least the least you can do is like apologise first, there's that excuse me there is a a unhappy customer here like you apologise for being late two weeks late and then you ask me to extend the warranty or whatever that you need me to do right so he was like no just extend warranty


ah because past the shipping date so I did the I I did exactly that extended again, came back to him I said I extended already, he he just put there okay, !wah! bro at this point I almost flip already but like it's never mind it's okay


so waited and waited and waited so when you extend right there's like a specific date given to you like shipped out by this date, so it was past that date already, past that date about the warranty ah, uh he still never ship out, so I sent him a text like are you going to ship out no reply the next day I send again are you shipping out soon no reply


the third day I text him or her I don't know the seller lah I just say like are you going to ship out like by this date or not because like it was three days ago so now you are three days late above the guarantee, above the extended warranty so if you are not going to ship out anytime like today or tomorrow uh I demand a request


no reply from the guy next thing I know shipped out already, !wah! bro how can this kind of people get four point five star you tell me, it's !wah!


I'm I'm I I have no idea to be honest, , singaporean distributor maybe, but like product from china ya, I'm guessing it's a singaporean, guy lah because, the way he text is kind of singaporean-ish


but that's not the point the point is like even, that that's worse what if you're singaporean what shouldn't you be nicer, , to a fellow singaporean ya, so from that point on like I thought I wanted to defame it came to a point where I wanted to defame the shop but no lah


I guess as long as I got my item, then it's okay lah, so ya next time you want to use shopee like do not buy from this shop I'll I'll send you the the shop


[orh]


did you like post on facebook or anything, to tell your friends or


you need to notify your your your bike friends about this ah cause like I think this is not the first time that I hear about this also, like I think that is ya there's a few shops that that is doing this they purposely like, I wouldn't say spoil but they purposely not fix everything


or something along those lines so that you would come back like you would inevitably need to come back to get it like fixed and then they will not fix it a hundred per cent so that something will still like you know cock up and then you go back to them just so that they can churn more and more money from you every single time


ya, I think like any new bikers should be like a telegram chat or what to to avoid this ah is is not nice ah, ya, my phone (uh huh) sorry, you continue bro


was it was it you're done already


to be honest I have not, been out of, the house in terms of like staycation or anything


so the receptionist actually decides your your temperature of the room


personal experience for hotel, or staycations or B and B, I have no like, bad experience ah so far, not looking forward to any bad experience ah cause to be honest like you, really would be very tired and looking forward to just sleep you know especially when you're overseas


cannot imagine having the air con controlled by another person, yeah man for me like the, bad experience I I have mostly comes with food ah I don't know whether that's fortunately or unfortunately ya but like for me I get damn pissed when when it's uh when it's about food ah


and so the the longest, is usually about waiting time lah so I was at err, some Kopitiam, like I was with my mum, ya so when we ordered, uh her food came mine did not I waited


usually I would just like go over and like ask like hi can I can I get can can I check the status of my order please and like but this time I just waited maybe like give them benefit of doubt lah long story short my mum finished eating the food wasn't there yet, ya bro ya that's bad ya


when I went in I check err they forgot the order, so the guy at the front just like pretended he, ah ah okay okay your order okay we're going to cook but no he didn't tell anybody else so like the the chef didn't even know that there's an order from me


so ya, a hungry man is an angry man man, and then that was ya and this kind of things happen to me a few occasions eh


I don't really have complaints about riders like I don't mind waiting very long because to be honest they're riding a bike what right, so like safety safety first right, but like Grab drivers bro I have a lot of issues with them, nowadays to be honest


ya Grab drivers nowadays like I take a lot of Grab it's really a big issue and err, so far like just last month, I went into three Grab that has a problem two of them were sleepy


they actually fell asleep behind the wheel, while I was in the back seat, and the and one of the drivers actually fell asleep so three right so two fell asleep and I caught him falling asleep and I was like uncle you


sorry, uncle you sleepy ah then I talk to you lor so I I I talk to him lah right because the the car swerved the last one was, he fell asleep and hit the back of a truck bro, so it's damn bad ya so be careful when you're taking Grab


ya no no no no no accident I I okay one anyway got insurance can claim


positive experience


ya bro nice timing bro, no I wanted to ask you, err I just bought this like supplement, have you have you like bought any supplements in your life before,


how long does this like three boxes last


oh so it's just like you you you bought it to to to support your friend, but then it turn out to be good


if if if it's really good I I would love to buy it for my mum ah bro, she's suffering from eczema for very long but it it's a problem, maybe this this this time round it would be a a revolution ah, a breakthrough for her


[orh] I see, I I have I have no idea man, like, ya I experienced something


like similar to yours but mine is not a a, uh from a friend lah it's just like me wanting to change a bit of my lifestyle, so I went online try to find some supplements and then I found like this website selling a


like a, testerone I don't know how you how do you pronounce it so it's like a a male hormone kind of a supplement, cause, ya man it's been so long that I have not exercise


but check this out , when I ran I think it I've been on it for about, three weeks now, like honestly physically like became fitter man three weeks I could hit the gym and all and the customer service bro


that's what drawn me like to to buy lah to be honest the guy so prompt, it's not really off the shelf kind of product same like yours, but like it's err through instagram, but dude he's so prompt he actually drove down to my house in a span of like I spoke to him maybe fifteen twenty minutes he arrived


and then like he's he told me everything like no brochure no nothing he just like everything verbal and and he said like or you can you can text me, if if you have any more questions ah if not you just enjoy and then he he he does a very very good follow up bro every two days three days how is it working like you know you should be doing this or try doing this


bro like if you really looking to change your lifestyle I would highly recommend this man, ya, ya I guess the the the the product is just the same as any other supplement but you you get what I mean or not like it because of his follow up and like he's the way he he actually like checks up on you


and like throws you recommendations on on what to do and how to do it, it somehow like gets you on you know like just keep on moving and moving and trying trying it lah


correct the top brands bro like to be honest, last time I tried it works, it worked I guess err, better than than this in terms of the but that one was more towards like weight loss, when I was in NS I drop from like what ninety two to seventy two


but that was no customer service at all lah that was just me doing all my own research and all but, this one, highly recommend and the taste bro the taste is good for this one


don't get me started on food bro actually I'm going to, have err this lobster thing sometime next week no two weeks two weeks later, burgers and lobsters is in uh raffles place city hall area right I don't think that's the one this one oh oh forgot the place ah bro it's it's in sentosa


ya, the review is super good so like, looks good, ya is some fine dining err, no a bit more a bit more on a casual side lah casual dining side ya a bit pricey but like looking forward because the reviews are good they say like the lobsters are fresh


and, it's really very good, ya, eh you mentioned you were what just now


I think I can try I think I can try I am it's quite near my place it's a, but steak steak it just because it's steak I I I, wouldn't mind going but I'm not really a fan of like fine dining or restaurant kind of place I prefer my local


like more ghetto kind of food like


bro talking about indian shop what's your take on Briyani bro I have the, amazing like the most, I don't know how to say lah is, extraordinary bro this Briyani place like I swear is, it serves damn good Briyani the rice is damn good


like don't don't, !wah! the chicken is super succulent and there's this one thing at the side right okay I'm not so sure how to explain this but you've not seen this in any other Briyani in singapore bro, okay service wise they all they all look like they're struggling to speak english but like bro the food


is amazing like at the side of the rice and the chicken right there's this small little, when when they served it on my plate I actually asked like err uh excuse me like is is is that all like he they just put like a small tinge of it know


then I was like, it it looks like Sambal, so he's like ya ya you don't you don't have to eat a lot of this, so I was like what is this and he said like this is like a pickle a pickle in a Sambal form bro, and, that is the first time in my life that I tasted it so I called my indian friend and I ask him bro what is this so apparently that is like a taste


taste killer like uh some something to refresh your tastebud to go in for another bite, and that was the first time I ate Biryani and I didn't feel like I cannot eat for the next two three hours kind like you know you I'm okay to eat another round of something


so one day one day I'll bring you there bro, talking about indian place ya, ya some somewhere down like fifteen minutes away lah, ya, I'll bring you there what about drinks bro, I'm not talking about like alcohol kind of drinks lah like dessert ish drinks


they they sell drinks like, [orh] okay


fancy random drinks ah, I just came back from reservist and like I thought I was a, foodie until I met this guy


he doesn't look like a foodie because of his like, the way the way he is lah he's just so not not really plus size kind, cause if you look at me you will know that !wah! I love my food right but this guy bro small size but when every time when we go out for lunch ah


he will he will say like [orh] he uses he uses this word eh oh my god we need to taste this we need to try this because this one world best world best so I like what world best all so so he he said like bro you try this drink, so I said okay what is it because now if you walk into the malls right you can see all kinds of this kind of drink shop lah this bubble tea shop and everything


no this one is legit, this place beats your Koi beats your your any kind of bubble tea that your friends are telling you about lah bro this place beats it hands down, kay this place ah the name is called tiger sugar


so the signboard the signboard is already like damn damn damn cool lah you know it's a black kind of background and then err, with with obviously a picture of the tiger there uh bro you don't need to think so much about what to order any drink there is damn good but the drink to to order is the one that has uh some milk


mousse or something like that lah, some, tiger tiger mousse or something like that they call it so basically it's like a milk stirred into like a almost a meringue, kind of consistency and that's at the top of your drink and then you mix it altogether it's just heaven in your mouth


bro is is really to die for, ya, the one that we we the one that we went to was in Jurong point, it's a way off but very near our my my reservist camp lah


oh and also I'm not sure whether you know but if you go to I mean the most popular supper spots nowadays besides your #bak chor mee#


there's like indian places right like you know your #al azhar# #al ameen#, all the #al mari# all all the Al one right so, the drink, the drink that you can order right, what do you order usually down there


if you go to this kind of places


bro don't need to go fancy bro I told you like my ghetto, don't need to go fancy bro super cooler is nice though by the way the green colour syrup with the coconut right ya, but my my my favourite bro is Neslo you know Neslo


ya bro I tell you it's diabetes in a cup but bro, it's good man, it's good it's good, ya my whole life you just give me tiger sugar the plus Neslo okay settle


drink desert I don't know I'm feeling kind of hungry lah today, ya dessert desserts bro, just just now we talk about like food and then like uh we talk about like the first one just now is what ah skin


like your our supplements right, I don't know how we I don't know how we went into Biryani and all but bro now my mind is just thinking about desserts bro come on give it to, me, Bingsu ya Bingsu came out long time for quite some time already right ya not really a fan of it bro unless you can change my mind lah


behind #al azhar# is courts right


ah okay okay


thirteen fourteen dollars for a Bingsu is that normal ah okay (uh huh) prefer it to be clean thanks bro


part one finance, !hey! ash err, I just want to ask you a bit about insurance lah like err what do you think of it


err I'm actually like, thinking of building a personal portfolio err as in I I I have some insurance that my mum bought when I was small but I, think I might need some clarification, like maybe personal insurance


uh like err maybe like, like which one is like more important like is health more important or like it's uh it's the savings one more important and endowment you know


err I think I have one err with my I signed up with an agent like err recommended by my mum err basically it's just the monthly premium that uh covers me for death and


tal, tal permanent disability , err yeah but I, ya but like I want to know like like what other insurance like are important like besides the savings portion of it


uh I just uh I came I think I read a read somewhere like they just changed the critical illness uh portion recently right like err like they minimise the whole, coverage portions like, to so that


err how how do you say ah like err it's more like like the coverage now is more specific like in terms of when it was previously


ya I I might might get one lah, ya but like err, don't mind me asking like err, what err how much, do you actually like spend on insurance like, twenty percent thirty percent


I mean that's still pretty safe right ya I'm at about nineteen to twenty per cent, yeah of my income err yes but I feel that I err, when I buy insurance I I don't look for just like one specific specific company lah because


like err like they all say like you don't like put all your eggs into one basket what you have to like diversify like you know like maybe like get a get a plan from NTUC get a plan from Great Eastern and maybe Prudential ya so that you're well covered like in case anything happens to either of the companies lah like I feel ya


uh yeah yeah yeah I understand ya as in like I also feel that, like if I were to have a financial adviser lah I want it I want him or her to be like err, same same age like same phase in life so that like it's easier to touch base and easier to grow together like every year like instead of having an adviser who's like maybe like


forty years old fifty years old and they don't touch base with you so you don't really know what's happening with your money when you trust uh you entrust it with them


like experience wise lah


I feel that err like I'm a person who likes to like uh know like, bits and pieces about about things so uh for me I would like do my own research and all but at the same time like I would ask uh advice from my


agent lah because he's already he or she is might already be in the business for a period of time so he knows like what's good and what's not good err so like maybe we can just like, compromise ah on something that if I want to let's say buy an insurance ah


I a couple things err, firstly like


my agent like has to be like very proactive uh I like uh I like someone who's proactive so that when like when he like when something comes up in the in the industry and like, he and he what he or she wants to share like he can just like come up to me say like !hey! this this might be like would you like care to read about this product like it might be beneficial for you err so like I want someone who's very transparent so that uh he or she doesn't like


like you know keep things from me or doesn't disclose enough information when talking about insurance because like I'm trusting my money with, with the person , ya, err someone who is very, like err uh


uh how to say like ah touch base basically like uh I just want that sense of like err, connection and relationship with the with my agent so that err we we can always like you know like hang out or like meet for coffee like have dinner ah


but still maintaining that friendship over years lah ya, is basically there's


err yeah that yeah as in, definitely ah ya I have I have friends that that that are that are agents as well and they they have been like very impactful in my life since err I met them lah


oh okay err, the the the one I signed up was uh it's called uh vivocash err it's from NTUC err it's a, twenty five year long policy ya so


err I mean it covers the basic death benefit the, T err, total permanent disability, and also like gives me err like what what's special about my endowment was that it gives me like a a separate, pool of err income which is the cashback value lah so


err the cashback value will generate its own interest on top of the summary uh the sum assured, so like basically the cash value like gives me like err emergency funds like let's say like uh like maybe five years or like seven years into the policy like I need I need some


err cash for let's say I want to buy a buy a car buy a bike so I can I can use that pool of money instead uh without without err having to worry about my policy lapsing, ah ah, so you you might want to look at it


as in for my case I I feel that err like it's better to have like two pools of money so I I chose to keep it with err the company lah and just keep rolling at a at a fixed interest rate


yeah so that err when I, when when the policy is over like I feel like the the I would have like, saved more than, what I plan to lah yeah because of the cashback, cashback value


I mean personally for the fixed one yeah with without the cashback as in you have you you you generate a much more, err, a bigger sum of sum assured lah but, to me I feel that I I just want to have that, flexibility you know like in case of any emergency like even though if I don't use it I just want it to be there like the funds the extra funds ya for me ya it's kind of nice to know that ya


err my life insurance was bought, from my mum like my mum bought it for me uh when I was still very young so the the premium was quite low, err recently I, err, I took over like I took over the plan from my mum so err because I didn't want to burden her and I was like having a


a stable job already so err ya it's it's not a term life insurance lah it's more of a whole life insurance yeah


ya I I I just transferred I just went over to NTUC and just like err, asked for my policy and then just to transfer from my mum to myself I didn't really err went in depth to see what it was but err knowing my mum I think I'm in good hands lah


like do you have any like err like what're your thoughts about like term life as in I


I'm not quite like sure of it ya I'm still like reading into it


ya I heard also like term life doesn't have a cash value right


uh actually like my most recent one I just signed was an ILP err it's a hybrid one from Great Eastern, ya so a hybrid like compared to the standard ILP that that every other company has like the the one that I signed for like is just like hundred percent uh investment and zero percent protection lah


so I feel like, it's like it's just strictly on investments because I have my protection covered, already so I just want the investment portion of it so like I read about this new uh ILP from Great Eastern called the GWA


err and, like within like a few days I just signed it because it was like


ya I heard there's dividends as well right quarterly half yearly yearly yeah, so it's, ya so you just pump the money and make it, ya nice nice


ya and like the beautiful thing is that when your dividends just pays off your premiums ah and you just don't need to do anything right


to me like their their health is like very important and it's like what less than fifty dollars a month ya so why not why not be like get it covered right


as in the CPF insurance as in, yeah yeah yeah and I feel like is like CPF itself is not enough like you need to actually like build your own portfolio ah


negative experience, , yes I do as in I think everyone does right


not that often like for my case I, I like put a lot of things in my cart but I I


then I remove them then I put new stuff but I end up only like buying one you know, this kind of thing as in I don't use it much like compared to like Lazada, or like Zalora you know ya, that would, like what happened bro like sounds bad


err maybe like call call the shop or something like like email the like they they they they have contacts right on on their page


it's a singaporean distributor lah basically lah,


err correct correct exactly ya


like I I had a pretty bad experience too, err with a bike shop, no no with a bike shop ya as in like like when last time I was riding a smaller bike ya as in I was like recommended a


a shop lah to basically like do my servicings and all , ya so I went there, err it's at #bukit merah#, err the shop's the bike shop's name is I think err, uh albert or something ya albert motoring or something yeah somewhere around the #bukit timah# eh #bukit timah# uh #bukit merah# sorry ya so err


like the salesman was like, like really like !wah! like eh !wah! bro like what happened ah #ni ni# like you know those kind of thing like very like like eager to help kind and then like err I say like oh I like having this like this problem and this problem like can you like help me take a look ya


so like he said oh it's okay it's okay err you just you know like uh give me like fifteen twenty minutes you know like take a walk you know like get get coffee or something and then you just come back ya so like, I was like quite new with all these like bike stuff cause I just like pass my license so I just like oh okay lah like I just like left


let go went to grab like grab a drink you know at the, err hawker centre nearby so like when I came back you know after I smoke one stick two stick came back like my bike was already like err err like, fixed lah as in like basically he say like oh err I change this change that change this change that but then like


err you never like, like I never like gave you the, the right to like change this change that as in I just told you like what's wrong like can you like tell me what's wrong like I expected to come back like seeing my bike like opened up you know like you show me this kind of thing like that's how that's how usually a mechanic does his job lah as in


ya you actually open up and then you tell what's wrong and then like see whether the person like allow consents you to actually like change change a new part or like maybe like do something else with it ya like you don't just like open up my bike and then err fix it yourself and then just charge me everything you know so like uh it amounted to like


hundred plus two hundred plus ya so, I checked with a few friends of mine and they said that it this shop really like err like it is more of a, like, err how to say like they they don't actually err like like value customers' input they just want to make money off your bikes lah basically lah and then like sometimes they


they like, like let's say you want to change like three things to your bike so they change two things and then and then they they they do, something else to the third part and then like to make you come back, you know it this kind of thing like so that you you you keep like going back to get it repaired you know ya so I feel like it's


really really err unprofessional lah like for for them to actually like do it to like new new bikers on the road lah , so ya I think it is uh I uh


uh no I I did I didn't I didn't defame them because err I and and I got to know like from from other bikers that, err that, it's that they are already known for doing it so, so like


in the future just like like advise your like my friends or like whoever has a like has a bike a new bike and then to like just not go there lah as in for like if you want to buy a bike there it's fine as in like but their workmanship is just like pretty


pretty unprofessional lah yeah, so, yeah I wouldn't recommend it if you're getting a bike lah ,


yes there are there are a few shops right ya, yes correct correct ya


correct correct I agree, so like uh you were saying ya as in like, err ya actually I'm done but like, like since it's like COVID season and like


err, what you call that err like we can't travel, like you know like go like travel overseas right like, like have you like had any, err, like bad experiences with like stay like err what you call that like staycation platforms like you know like AirBNB or like like hotels


!aiya! but but like err, like because I actually like was planning err to actually like like do one err but like


I've had a pretty bad experience lah when I was in err was in europe, err , backpacking lah err so basically I was in london so I I booked this err , so called err hotel


err it was a it was a cheap hotel lah so I I didn't expect a lot from it, but like uh when I when I when I got in when I checked in, uh they they gave me err, they gave me a room I think on the third floor eh third


floor or fifth floor, and guess what there was no lift so I had to like basically carry my luggage across like I don't know like ten flights of stairs and nobody was even there to like help me like, if you know your place doesn't have a lift then like you should like deploy someone to actually help like what what if the person has three four luggages then you just keep coming back down you know


ya, and then like that was just, the start, the when I entered my room there was no windows so like in the picture there they had windows ya so when my room my room didn't have any windows so like, !wow! like


like you said three star might as well give like two star or what what, ya and then next next was the air condition, was, like connected to the receptionist, yes as in like I can't change the temperature on of my aircon in my room


is it's like connected to the receptionist the receptionist has a button to like make sure the aircon is like constant throughout all the rooms I don't know how the designer or the architect or the engineer like designed the place but it's like that ya


err yes, yes exactly ya, ya and and it's like when I felt a bit like I felt like I started to sweat at night so I I, I I realised that lah so like I went to the reception and then like I ask like if she could like increase the temperature for my room but they say uh no no cannot because err it's the same for all the rooms then I was like what what do you what do you mean like same for all the rooms ya it's the same


like if I change like everybody gets affected and then like but, like I I'm paying it I'm paying to stay at your place what so, you should at least like like consider like, like doing something about it lah as in like doesn't don't like I'm sure other people would have feedback


about it mah right ya so it's pretty bad ya, for a three star as in usually three stars like still okay you know like at least like, right as in still not that bad ya


exactly my god yeah


as in I also like had a, err quite a bad experience err with err a food, a food place err I was I was err, doing err like you you know delivery like just food delivery like Grab Foodpanda Deliveroo ya


ya I was I was just like on my way to, pick up a pick up a food uh pick up a order at err long, john's silver and then, like when I came err I gave my I said like err is this order number ready and then


cause I had I had I was supposed to pick up two orders so like, I, gave them both numbers and they only like had one, err order prepared, so like err I say like err okay I waited like five ten minutes


so like I think like fifteen minutes and then my order like still didn't come up so like uh like when when you when like as a rider if you take err the order numbers like as in for long john's silver like once you once the rider collects your order the number will be like placed in err like err like a small box lah


like like, that means like it's taken already so I just like went through that box like got all the other ticket numbers and then I found my err order, I found my order inside the the missing one so I ask them like is this order uh taken like they said uh oh ya uh somebody else came and took it so like I was like


quite like upset lah because like like you know somebody took the order but then you didn't tell me ya or like cause it's quite easy to actually like remember that that order lah as in there was there wasn't like like a a stack load of orders like that you send out in that period of time so


I ask them like if they could like prepare another set lah and they say they like the the person just started like raising her voice like like she was like, what what why do you uh I we can't do that like uh can you can you like err wait wait awhile I got a lot of things to do but then I look around like like it wasn't like very busy like you can't like spare like two minutes to like sort this out or like could you you you could just like call like Grab and said that you


err made a made a an error or something, so she was she was just like trying to get me out of her face ah which is like unprofessional lah so I had to like sort it out on myself like I had to call grab, uh I had I had to call Grab and then like say that somebody else took my order and then like I I can't send I can't send err this order to


the the correct customer lah so like is it okay if you if you reassign the order to another to another rider so that uh I can so that I can uh just proceed with sending the the other the other order ya


because I didn't want like as as customers I know we don't like to wait for our food what so I I just didn't want the other customer to wait lah but on the part of the, long john's silver staff I think that was, pretty negative lah and, ya you you shouldn't be like that towards a rider because we're just the middleman between the customer and the merchant right


positive experience


oh uh great minds think alike great minds think alike


oh actually I recently bought a supplement from a friend of mine lah she it it's a it's a korean brand so like like err like she told me like that like, uh it, like within like one two weeks like her complexion like her skin like her skin err


I mean she has eczema so like she said that the supplement actually really helped a lot lah in like suppressing the whole eczema thing, ya so I said like okay lah like since you're my friend so I tried to I will support you lah so I bought three boxes uh three boxes uh it was valued at a hundred dollars for three actually one box was thirty eight so I just bought three just to support her she gave me a good price


ya so err it's like a capsule lah so basically it doesn't just like suppress eczema it err you know like improves the complexion on your skin like uh like it helps with the redness and I have like a a lot of redness like on my on my nose area lah so I thought like why why not just give it a shot lah so like


eh probably ya , ya so like err I, but I was quite sceptical lah because it's a korean brand usually you hear all those skincare brands that


it's a but, some, eight eighteen or something ah like just some weird name lah yeah so ya as in I can show you the box later , ya, but like err, err I tried it for like the past four days and


like, like !wow! the the whole redness just like gone like, it's gone so like ya I'm, really satisfied with the whole product lah and my like what my friend like err disclosed about it like the shipping like took less than like a week so like


is super fast for like something that's all the way in korea ya so like, err basically one box has like, thirty, thirty capsules so you have to


take I think two to four, uh based on like how severe it is ya so I took two lah so I can last one box for maybe two weeks, ya so multiply it by three so that's probably one and a half months like that to just complete it lah


yeah for you so I actually like recommended it to like a colleague of mine cause he also has has eczema ya so and he he said that it's doing, well lah as in it's really good the product is really good, ya, so you might want to look it up


(uh huh) yeah err but if if it's like severe like it's quite bad or like err the case of eczema is quite bad like, you might want to you have to take like four, capsules per day ya so like two in the morning and then two before you go to bed so like I don't know whether your your mum is like


like strong enough ya to swallow ya ya, but you can you can just give it a shot lah


okay sounds ya as in sounds like a very solid guy


ya man you don't you don't get those like those like excellent service like from those top brands also right


so what about food like, any, nice places to recommend because I'm dating someone now


is it like fine dining or


I'm dating someone lah so like, err, I I actually have a, like restaurant like that I went to uh it's called the royal steak house ya somewhere in Bugis ah like, #jalan sultans# yeah


so like uh it's a small restaurant lah is not like a fancy like fine dining it's just a normal restaurant, but err like, what like got me, liking the place was like how uh how err excellent they are like over the phone like like when you when I tried when I called them to make a reservation they were like uh so like so sorry like uh there was no like it's fulled out it's full because it's a small place


so like err but they say they they will like get back to me, uh when if there's if a table clears out lah but usually restaurants other restaurants they they don't like get back to you like ya but this one like I think like within like, like half an hour forty five minutes she's this like like she called back and then she said that ya we have a table for you like so I quickly like set my name


like gave them give my name so when I went there, err, it was very nice very minimum like I loved the the whole concept like by the roadside and all, cause err, but err, the way they present their food is like amazing ah


and err, like the even the waiter and the waiters and managers like like every now and then will stop by the tables and ask like if like err, how how's the food you know like are you are you having a nice time ya so like I feel that


that that, a lot of other restaurants like should take this err, this step lah in like ensuring like excellent customer service lah uh and I hope that they expand or like franchise it out to other parts of singapore so that is accessible for


the rest of the, the people ya, so you should really try ya


eh there's one there's one in there's one in west coast it's called err Haq-Insaf it's basically it opens err from four forty five PM to like four forty five AM so, err ya it's like very weird the timing but ya that that's when that's when they open lah so it's at west coast uh it's err near clementi west opposite a petrol kiosk and also by the roadside so they have a indoor indoor seating and also outdoor seating so outdoor seating


err is where the magic actually happens lah so they just serve you like right by the roadside and then like you can hear like cars moving by, and the night breeze is just, #haq insaf# #haq insaf# eating house it's just like a normal like indian indian err


oh because Briyanis are always very heavy right


err dessert ish drinks, actually I'm not like, I'm not a sweet tooth, but there there there's a place that err, I came across err somewhere in


err Haji lane also I think, ya where they they, because I like those like vintage vintage vibes you know, ya, ya so they sell they sell like all these like uh assorted like drinks ya I can't remember the name but


err if you I can I can show you one day lah as in err uh it's actually like really nice lah like coming from someone who doesn't drink a lot of like sweet drinks you know like yeah as in for just err for the experience like I think you should like you should actually


like come follow me one day like we can we can, err I I can't I can't remember the name but I remember where it's located at like just around the corner like opposite err #kampong glam# there, yes they sell drinks ya as it just drinks you know ya like


like you know you know those like when you go #bazaar geylang# and then they they ah they have this drink store where they serve like all those like fancy fancy drinks like like thai, ya thai concept drinks you know ah those right ya ya as in that there's there's a place at #kampong glam# ya that sells it


but like is there only like one outlet like in singapore that that's called tiger sugar, anyway it's near me cause I'm staying at, the west


maybe I just like look up for tiger sugar ah when when I'm there


ya ya correct correct ya


uh like those indian like #al azhar# all this I mean I I just order like what #teh O# ice you know those kind of thing ya, I don't actually like order the fancy super cooler cause like I feel like is like overpriced lah like for a indian shop you know those kind of thing


yeah as in half nescafe half milo right, yeah, neslo yes correct correct


oh it must be that the now now now you're talking, yeah, supplement ya ya supplements


desserts err have you tried Bingsu, Bingsu uh there's one Bingsu that's err behind #al azhar# there


err there's one Bingsu place I forgot I can't remember the name but err, it was, no that's beside #al azhar# this is behind #al azhar# , yeah yeah so there's a Bingsu place err


to me that that, that Bingsu place like sells the nicest Bingsu as in, err like, whatever Bingsu that you ordered like it's really damn nice and like, okay lah it might be a little pricey maybe thirteen fourteen dollars


err it could even go up to, yeah, err I think slightly pricey lah ya, ya slightly pricey ya but it's really really nice and, like a lot of people go there like uh because it's nearby #ngee ann# poly mah so like a lot of students go there but the the cleanliness of the place is top notch so like no matter how many people how like packed it is right like


you you you don't see like a table that's like like like left there like dirty and with all the finished bowls and like sugar syrup places or whatever it is ya, ya as in is really clean, ya so like if you're hygiene if you if you like if you like


like care ya prefer it to be clean [ah] if you're (ppb) hygiene conscious you know ya (ppb) so you you you can go there ya ya (ppl)


uh the prompt is banking , , hi my name is uh carlton and I would like to start on uh topic two do you have a debit or credit card so from my uh personal experience uh


I owe I own a credit card from the bank standard chartered uh but however I'm a subsidiary uh user of my father, so this card uh why I choose this credit card and and all my family members use this credit card from this bank is because uh it is gives one of the best returns uh cashback so to nearly one point five per cent so


all our purchases whether it's big from uh from like apple uh electronics et cetera to small like groceries everything uh we still we always use a credit card and it's linked to our EZ link as well so for travel and public transport we also uses credit card


so our I could safely say eighty to ninety per cent of all expenses are based of this credit card and are highly recommended to you as well so what what do your thoughts on this topic, ya


I think uh I think that you have the two cards confused because credit card is the one where uh if you first spend and then you pay back at the end of the month so, ya, ya so credit card is the one that we use because the only reason I'm using a credit card because the primary user is my father who has a steady income and the


ya so if if it were up to me as a student with a very freelance sort of a income model I would never go for the credit card because it is like uh what rickay said earlier it very scary I won't I won't may maybe not be able to pay back so debit card is basically using what money you have that's definitely the safer option


however uh like when I read books or like look at the articles on uh billionaires and millionaires their advice about credit and debit cards, uh especially notably one uh person mark cuban uh repeatedly says a lot of interviews that do not use credit or debit cards


use hard cash because when used hard cash uh every time you spend you will have a certain kind of , (oo) uh thank you ya you ya you won't you will feel uncomfortable why uh I don't want to spend this much so that naturally has a psychological effect of reducing your spending so he he what he suggests is live like a student for the rest of your life you know which I thought is a really good uh advice ya what do you think about this


exactly ya it's in a way would you would you even say, it's a form of gambling,


I I agree I agree ya in in that case debit cards are way more safe uh and the, debit cards are almost equivalent to cash I believe but at the same time uh dot coming back to mark cuban that's the only fact


the which uh says which that's the only difference in debit and debit card and cash, ya so uh


uh this is a very uh subjective question as well I feel like it depends varies from uh child to child personally I was given an ATM card uh, in secondary school uh I think uh sec three


if I'm not wrong so, uh while the reason I were I had this needed this ATM card is because I was uh began traveling alone a lot, and I I started becoming a little bit more independent so were because of this like sometimes I will not be carrying enough cash and I I have no choice but to like go to the ATM this is like uh uh most of the time I will have enough cash and ATM card was like a kind of a a safety net if you mean


I uh I I only use it as a safety net however I'm a bit scared uh like not all of not all children are the same and they might engage in some, activities that are may not be good for the family and for the child if given too much money you know what I mean


what what are your thoughts yes ya correct


that's true so uh but as a child when you got the ATM card uh what were like like which bank do you get it from what were there any special features for that account


oh understand so this was your parent's account is it, uh ya same ya I think, exactly


ya okay uh talking about that so now that you are older what are like so you want to put your talking about money uh putting money in other places so what are like some investment opportunities that you've considered maybe have you even tried any and successful unsuccessful


ya ya naturally


so uh basically I've always been fascinated with the idea of uh stocks more than forex trading I think I was more fascinated to idea of stock trading since the first time I learnt about it in JC so, uh


like how I did it uh I have never been able to create an account I I've tried using an account under my mother's name, and then uh I refers uh try to use DBS vickers then, uh also after that, it would didn't really work out it is very difficult especially during army so only recently did I turn twenty one and I made my own account and I uh have been trading


uh to a certain extent but then I think one common mistake many amateur and rookie uh traders do which I also had the same idea was they want to somehow, experience a miracle and become extremely rich overnight


which doesn't happen anywhere except in movies, need to clearly understand that, ya and it's only the amount of return you get is solely dependent on how much money you put in, so you cannot start with uh like a ten dollars and then end up with ten thousand in the end of the month


that's the, the the it this would like my like what I was imagining before going into stock trading but then the hard reality is I only invested started investing with four hundred dollars, and the returns I'm getting uh is need the maximum I hit is around ten per cent maybe in in a month it's only around forty dollars


so no matter how many stock uh different stocks I put it in, it maybe you can get a shoot a miraculous return, but the, the thing is it doesn't always happen, and also I believe like


in the concept of uh holding long, the as students we still have time we still young so you you buy a stock and then you hold for, much like longer instead of like short term trading because short term trading requires a lot of research and commitment to trading itself I believe


ya so if you hold for long maybe five years ten years then I think it'd be more fruitful, ya and one cons, it no that's one last concept that what I learned from the internet which I believe is really really important than most stock traders should remember is that instead of being uh like uh greedy instead of I want to become uh rich overnight I think the more important thing is


you still have a steady source source of income uh from a primary job and using stock trading you need to beat the inflation of the country, so for example use fee for singapore what's the inflation one point five per cent two per cent and you just because uh banks normally they do not if you have a fixed deposit because they they do not beat the inflation rate is always lower than inflation rate so technically hypothetically if the period is long enough you will actually become broke


you know what I'm saying, so if you use stock trading and other investment methods in the use the right ways to do it you can actually beat uh the inflation and you doesn't need to beat by loud large amount maybe you just a few per cent above the inflation that way you would be made actually making a little bit more money than


than most people in the country ya, ya exactly ya do do you also do you also feel like


the reason they're charging so much money to teach you because they in reality they aren't really making, that much money


exactly, ya ya, I agree but what leg


ya I mean uh or you are in the same line what are your thoughts on like in just investing in the bank like just having a fixed deposit or or like putting your money in the bank as this is the alternative to stock trading and forex and all that stuff right, yes


ya personally like uh how I was brought up specially with my parents uh being very conservative investors they said it's always they have not participate in any stock trading forex trading commodities nothing of that sort, in ninety per cent of their income uh will go in into the bank always and the they or and


they obviously that's the best thing I think it's there are two options one is when you don't have enough time to go and do your research and study about other investment opportunities and all that, the other one ya, or either you are lazy and the other one is you're in fear


like you're scared of all this I think the fear also comes from lack of knowledge so essentially we are coming down to a level of the root cause being a lack of knowledge and ignorance in that topic, and it comes and that's this is something very interesting because I went to uh read about this before and the author of the book rich dad poor dad uh not exactly sure about his name is uh robert uh


starts with K the second name start with K but I'm not sure but what he says is in school we learn science we learn math et cetera however we don't we, never learn about the money unless you choose to study business and finance in university but in until high school and junior college there's a high chance that you've never learned


anything about the money unless it's under math, which is very uh ya which is very uh don't you feel it's a bit odd because the reason most people are studying is to get a job and to earn money, and despite majority of their life is investments and with dealing with money et cetera


but we've never really studied about money in school ya what do you think about this, yes exactly ya


I agree I totally agree like, that's the, ya that's a big flaw that I've seen in the system not only in our country but almost every single country I know about the education system barely teaches about money and then parents don't teach because they don't feel it's the right age so I don't know when is the right time to start learning how to start learning exactly I feel like parents don't teach because they themselves are figuring out


while the child is growing, how how to deal with money how to save up et cetera, I mean along those lines lah talking about parents I just wanted to like maybe ask you do your parents uh maybe have a joint account together or like like do they finance everything together or is it different


definitely


ya I agree I agree, uh I I personally I think I wouldn't have a joint account from my families are different, scenario because uh my dad my father is the primary income uh uh ya he generates primary income then my mum just works uh part time so uh it it doesn't make sense of this question like this topic was never really talked about in my family because of that however in the future I really need to do think about when I get my own partner


uh to like uh, ya so like think about whether I want to join account or not and like you said I think I would like to keep it separate so that we deal with our own expenses but when there's a common expensive for the house then we come together to put in our funds


so negative product experiences, so my name is gultherman uh you know it had I've had been living for like twenty one years and then I have used to various sorts of products and uh gotten such bad experiences you know like sometimes I I


consider switching uh brands really really just solely based on the experience that they have given so like uh have you ever had that kind of uh idea before


oh my goodness it's also Singtel is it


I totally understand uh honestly because like , like I feel like in in the past these to give us uh like if they if the company did a mistake made a mistake or they messed up right they would they used to give us like some kind of a vouchers and all that in the past uh most companies in fact


but like in the present I feel like so profit driven but they don't even give us any uh, a compensation for the mistakes that they made, and no matter and the ya this this something experience recently especially not sure if it's because everyone has become more profit driven or


or what's the exact reason behind this like okay for uh six simply right, uh another bad really bad experience I had was uh recently so I ordered this this Ipad case uh from shopee, from a user in shopee and then uh they delivered it uh I I clearly clicked twelve point nine inches in green colour


and so there's only two options twelve point nine inches and and the they got both of them wrong, was ten it was ten point one inch it was ten point one inch and blue colour , I was a bit I was really pissed off because like how and the thing is when you selecting the thing also there was no blue or ten point one like there's only


there was only one or two options with and both of them they didn't get both of the two options that that is possible to order, so I I was uh honestly I was not more than uh annoyed I was just confused like how can they do this, so immediately I went to uh dispute


as in it clicked a dispute merchant and then I I send a picture of uh of the of the thing next to my Ipad so my Ipad is massive and the cover is this tiny thing just next to it so I sent them the picture and they said okay sorry about that we approve your refund, so they give me the refund then


I was like okay not bad they they respond it quite quickly then they said approved refund uh refund happen in seven to ten business days, and it and it's been almost twenty business days and nothing, ya it is


the thing is like we are I'm already like busy with school and like other stuff you know my families also busy with and it's like with the constantly keep track of all this you keep emailing them and all that and there's no difference also you don't make a difference it just very poor experience and like, and like my family especially my parents right who are like uh older generation and they


they like lost faith in internet shopping in big with the whole concept of internet shopping because of its small experience like this you know they like I they will keep saying I know this is a just twenty dollars worth of product but imagine tomorrow you want to buy something uh one thousand dollars worth on online


and something to seek the same happens, we do up and we can't even like we seem powerless we can't dispute so I think the event but internet online shopping is such a sensitive market right that the experience needs we almost nearly perfect in order to secure the faith of customers


ya and don't you like having to see the jokes online like uh I ordered this from ebay then this is what I got like someone or,


exactly


ya I totally agree it's such a poor experience ah honestly like uh online shopping right I feel like if for example you and I start a new business itself and then instead of focusing on products we just focus on the service


the concept of the the whole uh experience of purchasing something I think we will become market leaders honestly because everyone's craving for that that kind of thing you know right now, just a good service, in general then uh talking about bad experiences I have had a pretty bad experience with almost every single industry right now I don't know if it's me uh maybe it's just I'm unlucky or if it's like actually really they are poorly made so like


I'm talking about travel I can give you like so many examples, because we always go budget airlines so I will travel from singapore to india which is around uh four hours, so it's only four hours like you know and I've been travelling almost twice a year for the past twenty years so I was like I'm a pretty a frequent flyer I would say and then uh they what's the worst that can happen right so we always go for the cheapest one and it's a big mistake by uh that they ask the question what's the worst thing can happen because


uh this is how so when I uh at the airport I will I bought this from the india airport case so they have this stall where they will give you noodles fresh noodles, then this after you check in everything you just need to enter the gate, so you you assumed that okay it's allowed you know it's inside the gate already what so it's allowed so I buy the noodles and the this noodles guy will took thirty minutes to make it I don't know why so right when I received it I got the boarding call so I was like never mind you don't dispute what I was inside the gate so I just went to like directly to board


the moment I entered they took the noodles from me and they and they kept it, they took it from me I ask why oh no uh no outside food but I bought it from the gate like inside the gate and when I ask the person they said it's allowed in the flight oh clearly the person doesn't know our airlines ah like ah I was really annoyed


and like later when I was going to the toilet right uh in the in the flight I saw the flight attendants eating my noodles this is not a joke I am being really serious, and it's not only that like it's just like really annoying because uh uh it such poorly designed in general the flights like


I'm a pretty tall person I would say, uh but not only for me like average height person also is as the seating is so uncomfortable and like I I mean I literally have to put use my knee, on to the aisle, in order to actually sit ya exactly and the person and I cannot fall asleep because the flight attendants will keep tripping on my like and when every time they walk by


ya it into the design is really poor and like if you ask like uh can I receive some help you know from the stewardess, they will like literally take uh they will take a long time to come and they come also like oh my god ya what do I need to do the the way they talk like okay I don't I can just help myself no need for your help you know that kind of feeling you get


it just, I want to get out of the flight and go to the place already please just let me go that kind of feeling


ya, I understand what you mean but ya I I just pray that I'll come rich enough to only travel in singapore airlines lah , ya but like the another thing I notice is like you know


a lot of companies they focus a lot on the product, but of course they do not focus they really lack focus or or like they lacked the after the service after the product you know after they sell the product or service whether it's uh fixing it or whether you have questions about it many companies don't invest in it because that's not something they receive profit from


however they don't realise right if they have a good if they have a good after uh support system I would say it actual increases their customer loyalty and customer base, and repeat purchases because like what I notice for example simple things like uh I bought this


two things I would say one is uh I bought this uh printer okay it's call uh the Canon printer so I used to use HP then I realise okay let let me try to go for this newer brand newer model in from Canon then I bought it then after buy uh actually I didn't purchase it someone in my family purchase it but then I set it up


the set up was such a bad experience it was, normal printer set up you just connect to your computer and then you download the drivers one set it takes like thirty seconds and then you can click print but this one is like no everything error my uh like desktop error my laptop error it’s like no cannot print I couldn't print for


I mean it almost like one month and I had to keep calling them again and again and again every time I call them they won't pick up, they will like say okay I'll give you a call back then they will give the when they the when they do the call back it's like oh I don't know it's a odd time or whatever I don't pick up so it it just keep missing missing missing and after I call it also like they will have like one hundred options like first it will like uh do you want for canons


cameras printers then I click printers like is it work not working if you talk about the warranty and like uh no it's not working isn't why is it not working uh then like it just I just want to talk to a real person like you know it's just that recorded voice for the first fifteen minutes


what


exactly yes, , oh my goodness I literally put my phone on speaker and do my other work because it take so long and then they will put the they will put the music some really bad music the music would go on for a for


so long before someone picks up the phone right it's overall a terrible terrible experience like I just want to talk to a real person, and get get the thing sorted out, and we one one small trick that I I learned from my father is like basically he tells me that whenever you call people uh I also experience something similar like in comfortdelgro when I want to get my driver's license


so he said whenever you call people when you say I want to service my product I want to fix it it's not working right they of course go through the huge process you know of connecting you to a custom uh to a customer service agent, there are so many options and music and all that stuff right instead of that


you always click on the option you want to purchase a new product, bam immediately some person will answer that like they're like so excited to answer hello eh you want to purchase a new one then then when you when you talk to them then you say actually no I don't want to purchase a new one I just to purchase something and it has uh so many problems so please help me with this


so this is this is the trick that I've been using seriously, yes it has actually honestly uh not with all companies of course but with several companies it has she just tell them uh if they have a recorded one you you try to click the option where you want to purchase the most expensive product that they possibly sell


and then and then you say nope I actually already purchased the product I want to fix it, ya , it's definitely brothers, yeah


but like you know like uh just I I think bad experiences comes with the a lot of things but when it comes like these printers these physical physical products then the bad experience comes with you know uh servicing it like fixing after products service but then there are some some uh products that I did


it is reliant on the service itself for how to I say example oh coming back to streaming services you know like if you have a bad experience the whole product is actually ruined, you know what I mean it's it come


exactly oh yes and it's like, really annoying like for example uh to give you some examples Amazon prime lah uh the reason I got amazon prime was because I watched this uh one one of my favorite stand-up comedian he says he said I'm releasing a special on Amazon prime then I was waiting the waiting for it and he released it then I immediately went and purchased Amazon prime


then after that I realised, it's not in singapore then, it's only in like other uh outside asian countries or some if actually is in every country other than singapore then I'm like wait wait you shouldn't you put tag before I purchase it like


that only reason was one stand-up for that one stand-up special and that's the only thing that's not l was like so annoyed because so many things are not in there in singapore but it's not explicitly said, they they the marketing for or the singapore uh uh shows in the shows that are available in singapore the shows and movies right is really poor so from marketing material you will only see movies that are like you know available in US and all that stuff what


so based on that you go and purchase it's useless and also like the whole experience is terrible because okay very simply put uh there was this new brand new movie uh released okay so uh my family uh someone recommended to my family and said it’s on Amazon prime and then I was like uh my family was very excited to watch the movie so we went to the Amazon prime


then the movie cannot be seen like wait where is it where is it cannot find you know how is it netflix a brand new movies will come on top very big right, but no in this right we went into the search bar to start searching then once we've finished typing the whole name of the movie then only the movie came


and I'm like this is the movie this is the brand new movie got great reviews it shouldn't it be on your first page method, these kind of is I feel like it's a rookie mistakes honestly what do you feel


and you make a small spelling mistake also it won't be there, and you and they shouldn't expect you to have patience also like why I mean we already like we like working hard for the whole day


ya exactly but like okay how about like you know like restaurants and stuff do you likely had a funny or bad experience at a restaurant


!whoa! ya I think I've a I I I think restaurants and all the not many bad experience but this one restaurants specifically which I will never forget for the rest of my life because it like I used to visit it almost on a weekly basis, like every friday I I go there because was grateful great experience but they has been start to take things slowly so it like


it it basically what happened is uh whenever I order something they the same dish I've been ordering for many weeks right then each week they will take something out of the dish like one ingredient like cashew nuts is gone the next week, to save costs exactly each week the it's different then whenever I order that you will give a wrong one then I say this is wrong then he bring another wrong one


which I which I don't know how why it's like that and then I ordered a chicken dish and clearly allergic to seafood and the people know because I go there so often I wanted a full chicken dish and they gave a full seafood dish and I ate it by accident and had to go to the hospital after that


ya it was it was it was really a bad total bad experience and now I don't even go there at all after that one time I went to the hospital


positive product review, so hi my name is carlthum so I'll want to talk about uh this positive experience I had uh mostly in like recently when I went to, purchase uh my new laptop so my old laptop uh stop working so I will