I didn't receive it again , ya I didn't I didn't, receive it and then ya I uh I didn't get to try silicone blender and then I said to the, !huh! sorry


ya ya me too it was my first time and then it I I waited for very long time and then it didn't come so and then that seller shipped again and I'm like okay uh I'm patient person I'm a very patient person so I waited and it didn't come so I


sorry how long, uh more than two weeks like three weeks


ya it's it is quite long right and then I waited again like cause, like I waited again and then ya it didn't arrive again then like uh I I I give up because like it's it's a good, thing like luckily it's just two dollars you know two dollars plus actually but


uh , I think I paid for, two dollars also lah because , err I think, if the seller is is like not that nice right they wouldn't, like they'll be like oh sorry is not my


problem, but the seller is good you know it it it's I don't think it's her fault so I like I just give up, I don't like oh ya I receive it , I just lied and just say uh


it's a oh okay okay


okay so, okay firstly I I like to go vacation I like hotels like I really like hotels so if you were to say that worst right there's no worst because I like like no matter how old oh


I I uh I have one I have one okay speak is at, uh okay it's not really a hotel lah it's a staycation uh it does does does a chalet counts does a chalet count does chalet count


it's just a staycation, okay okay so this is okay so , first it


is it's not really like a, like I I I have this like I don't feel comfortable when, it's not a hotel like ya eh eh uh I have this , phobia not say phobia lah I don't like


like I am I'm I'm afraid of insects K you know get you now you know where I'm coming from right ya so they have this thing where, uh they, like like people keep on saying like oh there going to be cockroaches on the floor


you know and then ya and then, me I I trust that I, then why I believe what they say and then like, oh but there were like so many people, uh to uh that sleep this room


so some of us need to sleep on the floor, you know there's only, one bed you know ya it's a a king size bed but, so like only four of us, can sleep but and the others have to sleep on the floor so I am like


uh I I am the youngest there so I, uh, I have to sleep with my mum and my mum you know, being mum she, sleep on the floor so I have to and then she, is like you know it's okay I cover you so I slept near the wall


serious so I slept near the wall and then she covered me, so she tried I don't know what is she covering me from when she do that but ya she like okay I protect you from the cockroaches you know because well it's a staycation with my cousin what is it


my mum lah my mum is the one who said I protect you from the cockroaches, because I don't like cockroaches and ya it's on the floor like how can you sleep, like , like it's on the floor


you know do you have that fear, like living in a not a hotel room ya and, ya, ya I I uh but but, but uh it's not really the the the fault the hotel uh the the


place fault lah but because it's it's, it's in between like the, let's say forest like it's uh it's outside the place and then that chalet right is outside, ya so that's actually like the


so called worst for me lah because I don't really stay in hotel that much or have a staycation so that's what oh so that my worst so ya I want to know do you whether you have any like electronic device uh that you're using and like I want you to like tell me whether you are disappointed by its like for example like the do you you don't like the design or the uh the the money the quality or like like the function you mean then like


but you like everything about it like the design, uh got no it there's a there's no a warranty


and then oh oh oh oh, why did you lose it


what you mean you walk away


might as well buy a new one


can I see the pants later okay


right uh ya uh anyway is there any uh I mean anything, any product that you don't want to people to buy it, uh what is it ya ya you like you like you bought it and then you like, uh okay I would recommend, you not to buy this product


for me I'm, I am very sick of monday ya so I will


can can I ask you a question, I like I like bubble tea do you like bubble tea, do you drink bubble tea of


seaweed


oh you drink okay


but it's supposed to be a positive experience , , but it's supposed to be a positive supposed to give me a positive , but I like how it's there's like a lot of varieties in it so you tried different things like the seaweed


okay when I go to Sharetea I will always, buy uh Hokkaido milk tea uh twenty percent sugar, uh with aloe pearl ya, Hokkaido is really sweet so that's why thirty percent lah, but uh last time because I bought large I always get fifty percent because the the the ice will melt and you won't feel the


sweetness anymore so that's why I buy fifty, percent ya and then uh I don't usually buy pearl but unless I , I I like to buy at bubble, tea when I am working or like doing something productive so I will I will buy pearls cause I want to


cause I'm not buying it because I'm thirsty but if I'm buying because I'm thirsty I won't take the, pearls ya I'm not really a fan of pearls so usually I don't really get pearls ya


oh ya but most, people they they they will they will say , oh I buy bubble tea because uh, who uh because of the pearl like you know right like what uh what bubble, it doesn't have pearl, so that that kind they have said that, like to me it's


(ugh) !oops!, lah maybe lah no no I don't think it's come from you okay and then , ya I don't get any toppings, your do you, ever like buy toppings, for bubble tea what


uh okay other than other than pearls, oh ya ya uh white pearl black pearl is same


oh oh you know ah last time in, there's this uh bubble tea shop it's uh you know Sharetea the large size cup large size ya this shop they sell a large size cup for a small a medium price


Sharetea you know like like like one dollar eighty for that large size, cup you know, ya and it's uh like so it's considered so cheap, and I think that is how, a bubble tea should cost like a cup


cause we all buy like, we love it, yes it's so expensive go up what what are the shop that is so expensive ah I don't think Sharetea is that expensive right, LiHO and Koi is, is the same


price is it, oh I'm I'm sorry but I was just saying


ya I I really like I really like the branch uh like the one that you like the one ah ya I I like it but I have this, thing with milk like I scared when I drink milk I'm going to get like not diarrhea like


ah ya like the uh I don't, quite tired but anyway we talk a lot about bubble tea, , ya uh !yay! yes


yes, okay so I prefer, taking care of my skin than wearing make-up, so I use this uh skincare product like I had a very long time thinking


choosing a brand to like for like uh uh choosing a brand I like because there's so many skincare, brands right then , so I I I chose , cheap one , because, uh the one that I find at


uh NTUC, Fairprice that one because uh ah ya because I just want to, , try it out so I chose, uh, I forget the name


ya I forget the name uh follow me is it, essence , essence okay okay okay and then uh


uh two years uh I kept I kept changing because , I'm not really a fan of like buying up uh expensive skincare, because of uh I don't have the money so when I grow up when I have more


money I'll I really spend a lot on my skincare than my make-up because make-up I can do drug store ya and then


I've been using the, cleanser oh I especially like moisturiser that time I slept, with the uh the


what moisturiser and when I woke up it it's all moisturised like my face is just amazing


now I know now I know why


but it didn't make your face uh worse right it will just like it doesn't do


ah or oh, ordinary girl ordinary, oh [ho] I didn't, uh ya ya ya I know there


uh you didn't tell me you you've used it already then how then how, what's the end results four months right


ah I I sure I sure meet you soon, and I'll give you my uh, okay K what what product did you use ordinary, the the what the cleanser the moisturiser


the what serum ah , okay I think it's just how you use it maybe it's the, way you use it, like what do you use before what to use after


yes yes maybe


ah see I told you it's, it because, I'm sorry for interrupting


I want to buy where do you buy it


thirteen dollars oh okay [orh] okay but, I don't understand why is it so popular because it's cheap and what , and you said there's it it's nothing


popular and ya I don't understand why is it so popular uh ya but I I I think but not anymore right the brand, like it's not popular anymore right it is


what the western maybe it's just for their for their face because you know


no no no no I I think it's, because it's singaporean like because the the weather you know the whether it's hot right you know and their western country, doesn't really it's like cold so like some products and also make-up products is not suitable


for our country but, they just uh is it we need to we need to really choose because uh we need, to know like their uh, like where is it from because if it's good in that country it might, not be good in this country because of the weather climate and anything ya so I think ordinary is ordinary's that might


uh are you sure are you sure it's even ordinary ah I think it is lah, okay (mmhmm), that's very interesting


wait uh before I I answer your question I would like to hear it from, you first what ah I want I want to know your your product like what what about you


as in I want answer that yes, yes I want you to do that


you haven't think about it


is food a product, is food a product, ah I know okay okay bread no I never heard of the same


!wow!, actually I know lah I I know that I we could have vote I know oh oh I has the one (mmhmm)


okay so I have this headphone, I I, , I promote this product like to a lot of my friends okay so this


headphones, no don't talk , wait so I bought this headphone


then it lasted me for two, years , can you believe that it's like it's a cheap one you know, and the sound system is really good like I I love music so I'm very, picky about the sound system for my headphones and


sony but it's very cheap but it's just twelve dollars ya but now if you were to , go to that uh item again on the online platform that I bought from it's they they changed it to a very expensive price so I think I'm lucky to have it


to buy that at a ya I'm very lucky and then it lasts me for two years and then I think, what happen oh or then after that the sound wasn't working anymore and then I bought another headphone ah other than headphone I have one more it's a pen I've been using it uh since secondary two until now so it's like what


it's it's it's very good it's very good it lasted it's very cheap at ya so I was really shocked about how it lasted me for very long time but what it's just


uh anything sold to me


(mm) I agree I agree ya


, part one finance, okay <P2>azmi</P2> can I start first, okay for me I believe that insurance is very important for everybody everybody should have an insurance so but the thing about insurance is I don't believe some of them some of the agents don't disclose what the policy is all about so for myself the only insurance that I buy for myself


is the uh hospital plan, I don't I don't buy for myself the accident plan cause I feel that accident plan is a little bit redundant if let's say I meet myself in an accident


if it's severe enough I'll be hospitalised and there will be there will be coverage, but if let's say it's not severe then most probably I'll be able to pay day the fees and some more if you go to a government hospital it just I think it's hundred and thirty two dollars for a full treatment so shouldn't be much of a problem


but the thing about insurance right what I don't like about insurance is, there's a lot of clause to it when someone buys an an insurance they need to read through the whole entire text it's about two or three pages and no one will read the entire clause all the disclaimers that's the thing where that our older generation think that it's a scam


that's my my issue I have with insurance ah , so uh I just give all my points first ah example for the , for the endowment plan endowment plan if I'm not mistaken they have a is long term fifteen twenty and twenty five years the my whole issue with endowment plan is yes they promise you


more interest rate compared to bank rate bank rate now is zero point zero three they'll offer you up to two point five but the thing that financial advisors failed to disclose is the two point five is not a guaranteed it also depends on the market


okay so that's why I say like if I lock in my whole amount my monthly amount for twenty five years and I cannot liquidify it is no point but the agent will always say


ah the agent will always tell me okay after two years you can draw out a certain percentage then when I do my, mathematic inside my head if I draw a a certain percentage my, if let's say I draw at the first two years then after twenty five years the amount that I'll get after twenty five years is no different from if I put in a bank because what I'm throwing out is actually the interest rate that's where they failed to tell that's where I feel


uh the financial advisors should actually tell, this upfront instead of waiting for us to uh come up to them


right


correct


okay so after twenty five years you mature with two hundred K so uh two point four K annual I would say you are putting in about two hundred per month, so one time okay just a


K just a question why do you choose endowment plan instead of investment plan wouldn't investment plan makes more sense for people like us where we do numbers


okay, , uh okay I'm more keen to investment but the thing about investment under insurance is I don't have the control of what I'm putting in and I also don't have a control of when I


actually uh okay if let's say like example if I say I want to invest in technology what they do is is like SDF is like ETF, where they compile all the mini stocks and the broker will do it for you so I don't believe in that lah


and the, and the brokerage fee if I'm not wrong is about one percent per transaction which is actually okay not too bad but the whole idea of me not being in control when I put it under a , insurance, uh investment under insurance is because of that lah because I don't have the control over


what I'm spending on and what I'm actually able to cash out on so I'm more keen in putting my money in shares where I can monitor my own shares and I do my prior research, to avoid speculation then I pump in my money there


investment insurance plan definitely no but what I would consider doing is actually unit unit trust, uh why what I'm planning to do ah if I buy a house a portion of my income uh a portion of my CPF


I put it in unit trust that money in unit trust will be will serve as a safety net in case if I lose my job or anything where I cannot pay off my house then I take that unit trust cash and put it back to my to my CPF


five percent okay because I'm actually very particular on what uh okay, relating to your question I'm actually very particular on where I put my money so before I meet a before I commit to a single company I would actually recce out a lot of companies the company that I have recced out is AIA AXA Great Eastern Aviva so


when I'm doing my hospitalisation plan I actually single out everything and see what is the different because, they all okay actually all insurance is the same meaning what I mean by that is okay let's compare AIA and Great Eastern if let's say the the premium you're paying monthly for Great Eastern let's say is about fifty dollars


but, AIA charges you forty five dollars but why is it cheaper why is AIA AIA but when I read through okay Great Eastern covers me post treatment for one year, AIA covers me post treatment for six months


Great Eastern have a cap of one million dollars AIA have a cap of three hundred thousand so it's actually the same if you do your math back it's actually all insurance company is the same and they are all and, they're all regulated by the government so back to so looking back to your question how many percent of my income goes to uh insurance actually there shouldn't be an there shouldn't be a percentage of I think insurance is a must


for two things for for hospitalisation plan and also for one more which I haven't buy myself critical illness, okay <P2>shod</P2> share with me why you don't think critical illness is important


okay ya, okay


okay


ah


uh actually my personal thought is what the insurance companies are doing is actually quite dirty ah open inverted commas dirty


because to to get the claims or to get what you pay for you have to, fulfill okay I if I'm not wrong they have eight criterias uh, the the permanent disability you cannot cook you cannot wash yourself you cannot


clothe yourself I think they they they they have they have about eight and you have to fulfill six something something like that something about I am not too sure about the figures so when I read if I have to fulfill six is as good as is as good as I'm dead


because I cannot clothe myself I cannot feed myself, I cannot work so I'm practically a uh living a living vegetable, but then again, please please, ya yes


ya


ya , ya I I think that is very very dirty ah because the the, K sorry sorry okay the whole the whole idea that they make it so hard like like that is as good as you're you're useless lah


NCI plan is not cheap, it goes, yes, so okay but the only good thing that I can think about the CIA plan is if it happens to us then we don't burden our family members financially ya that's the only


bright light that I can see from from the CIA plan uh but for now because why I I mention about CIA plan is because I see a lot of my younger mates they younger friends are affected by the because now cancer and stroke all these illness is not


, it doesn't mean that you're fifty or fifty five you're sixty you'll you're you're prone to it because I have a friend that is NTU that that and uh two years my junior in NTU that passed away I think about, two years back and there is no , there's no reason behind behind his death it's just a sudden death so if the more incident that happen it scares me more


so but I must weigh out whether that premium is worth it every month to be paying what two hundred plus on CI plan so I I don't think I will buy it but for now I need the money for something else so I wouldn't buy it ah


!huh! addicted ya, yes


no I actually learned this myself because I don't trust people because , because the insurance the insurance agent will only tell you the good stuff they will not tell you the bad side and I think it's very unethical


ya I think it's totally because okay they only tell you okay example I met with a independent financial advisor you know the one the financial advisor who can represent GE can represent AIA okay


so I was referred to by my friends so I said okay why not give it give it a shot I got got nothing to lose then uh he was selling me I don't know what plan I think is, uh investment plan if if I'm not wrong then they always bring this white piece of paper and write down all the all the figures they put uh


if one if one month you put in two thousand then you can leverage from this amount then after twenty five years then he he he's like promising me like what eight hundred thousand nine hundred thousand payout know, after about ten fifteen twenty years that's simple already I stop her that uh back then I was working as an engineer so I my my gross amount was


not that much so I I tell her very simple ya I can get this nine hundred thousand if monthly I put in two thousand if I don't put in two thousand, who have the financial capability to put two thousand monthly if you are putting two thousand monthly right your gross income must at least be eight eight thousand per month


at least minimum ah if you're if you're telling me your your your your gross your net amount is six thousand minus two thousand you're left with four thousand it doesn't make sense so the whole idea is they they make it flowery and the only people that will fall for it are people who want to get rich fast


and it doesn't happen, ya


they sell dream they sell dreams, they don't sell a career they sell dreams


, ya exactly, ya that are six fold oh that is six fold of what they put in is uh


ya, , ya don't ruin it


okay okay that one not counted, ya


oh suddenly call you up


yes and it's very superficial like I think it's very hypocritical that you call someone up and say like okay how you what you want to meet up you you wanna have coffee but actually there's a hidden agenda behind it so for my personal,


you're dead right bro, you're dead right I agree with you a hundred a hundred percent just be straight up you want to sell something be straight up ah don't cover it up ah


wear, and then wear wear formal standard


so uh, I for me I when I when I graduated and there was a lot of period for about two months before I get a job so I know that the first thing that I have to buy is insurance, because for for K let's digress a bit when if I'm relating to to to personal finance the first thing that you must have is your insurance followed by your savings then your


investment if you don't fulfill the three steps you cannot do it you die die must have your insurance first to cover yourself so my first insurance agent was my primary school friend, so the whole idea okay like you're a friend you want you want to support your friend okay okay let's buy from him but the whole idea of buying it buying buying your policies with with a friend is


if your friend is close but not that very very very close then they'll not put in a hundred percent effort you're just a you're just one of their sales, , so the so uh I I bought a b plan because I'm very critical about my money right so I bought the second hearts second highest one


so uh it back then okay I can still remember the amount it cost about twenty dollars forty cents so I think about a year about a year later then I had a small uh operation, then I said okay uh I want I tell my agent friend that okay I want to upgrade to a a plan the most expensive one the A plan cost double of the B of the B plan


back then it was about forty dollars plus forty dollars forty cents if if I'm not wrong the rider so when I applied for the rider uh usually it will take two weeks to process and you'll be upgraded, so after one month it's still not upgraded then I told my friend everything is signed after one month not upgraded after one half month not not not not upgraded finally he came he came clean with me he say <P2>mat</P2>


actually uh in malay I try I will translate actually I want to switch company already I want to join Prudential because my because my my boss is going to Prudential so I want to follow him then I flip out and I just say like


that is why the policy is taking so long be upfront if you're doing like this is very dirty because straight up before I sign my my my documents with him I asked him are you going to stay in this line for long, or you're short term if short term I'm is going to be troublesome for me so I want someone with long term so to shorten the story I say never mind because now then when a insurance agent resigned or switch companies your policy will be passed down to a random


dude that you don't even know and they'll just give you a a letter saying that your financial advisor is now mister so so and so then then I say okay no this is this is utter rubbish so what I did was to use my fiancee's


uh insurance agent which a which is about which is a fifty five sixty year old lady, not the most Gungho person that I can find but she does the job so for now is okay , so my personal view my personal view is if you want to buy this kind of uh this kind of policies


don't go to a friend okay not because you don't want to support, but if you're like me you're anal with your money and you want to be you want to be tough on on someone go with someone that is not related to you cause if if someone related to you you want to be tough you'll hold back like okay this my friend I cannot be so tough


ya, so so that's so that's my view (mm)


part three negative experience, okay <P2>azmi</P2> I can start first I have, I have a lot of negative but I will just choose the most recent one that really pisses me off


I will try to I will try to stay on point ya of course of course I'm I'm controlling myself okay so for negative product or negative services uh, I think about feb this year or march this year I met into an accident


outside bedok mall I don't know whether I've told you about it so my, okay like do you know that I have a white bike if you realise now my bike is black right, okay so, ya so the bike uh I met into an into an into an accident


into an accident because a car swerved into my lane so my bike it was in a very bad shape, so what I did next was to go to the hospital I get myself checked up get all my medicine do a police report and all that stuff then I send my


motorbike to the workshop, it it it is a renowned workshop I will not name the name but bikers will know the workshop, so I was expecting K I go to this workshop because they can settle for me my insurance part also because not all bike workshops settle the insurance part the the claiming part


so this bike all in one ah, so so so uh this bike shop is quite famous , I I will not how I wish I can name name the name but I can't it's okay so I send to the workshop because as you know I do my own bike so I know the costing of every single item


okay, so I know the costing and I know the difficulty to fix the item and then I will compare back how much the workshop will quote me because workshops get okay if I get an item for okay if the retail price at a at a normal


at a normal shop is about twenty dollars I can get the item for five for eight dollars online okay, workshops have direct supplier is so is not hand over hand no is direct to the supplier they'll get it way cheaper


so when I was doing my bike so when I was so when my bike was in the workshop the the mechanic took about, one one the boss took about one month to fix my bike then I was so I was so I was so pissed off is just is is


literally a fast job I don't know why it take one month to fix my job so what I did was to change to a, change my forks because I got into an accident right my forks I I change I okay one okay I go step by step I change my forks I change to a lower fork so when I collected my bike why then I I said to the mechanic why is my forks still high he say like how


low you want to go this in the lowest I say like !huh! is this guy serious I'm the consumer and he's talking like that you know what's my first mistake because I want to do the I I want it fast I say K boss I just


give you half of the payment upfront uh so when I get the bike it it it it wasn't what I want I was so pissed off then I was asking, the mechanic for a gun metal grey cover set


what I what I got was totally off, then I I I tell I tell the boss this is not what I asked for then what he say was now is COVID there's no more stock so I just put any I was like I ya is this guy for real


oh this is totally unacceptable until now until now, I cross out the shop for life I cross out the shop, for life and I say no I will never ever go to this shop again, so the the service rendered by that guy is totally off


it's it it's totally off then I was telling my my my fiancee I don't care about the price, I just want it to be fast I want a good service I'm the sort of I'm willing to pay but I want it to be fast I want it to be good


ya I I don't want it to okay the thing is good but it take two months to repair the bike uh K I got no time for that I just pay I want it to be fast to be good I think , uh what a lot of companies forget ah it's not a it's not the product


itself the service behind it is more more important like the shops, okay hold hold on ah like the shop that I like I frequent is usually how the how the business owners treat the customers


even okay if let's say I go to a restaurant that is okay okay even if the boss is good the service is good I will return to the shop but if the service is bad even though the the the items is superb I will not I will not return to the shop that's just my my my my my point of view


a lot of people forget to realise that that it's all about the it's about all about the service, okay uh what K what did you want to elaborate


no problem, no problem okay


okay


desirable okay ah ya ya ya


of course


okay hold on is it a cafe uh or a coffeeshop, I'm trying to visualise the shop


so what time is the the actual closing if it's in a mall I assume it's about nine, okay, I assume


I I assume is the worker that told you that not the boss


are you done with your meal yet, are you done with your meal, okay


, okay, ah okay, okay


smart smart smart smart smart that that's smart cover your tracks


okay, oh my goodness


okay, of course


okay what is her age group what is her age range


vocal lah vocal ya


ya, ha


you had to ah bro


be normal ah, uh my concern is why it's only it's only right


they he ask you can I take the tray instead of just taking the tray I think that's very very rude though


ya , ya see like like this kind of small gestures this kind of words it just change


agree agree agree


ya lah that is , ya, right, okay


because there's cleaning, so what did the manager respond


uh no no, she's not new the the she's new is always an excuse


ya ya, like just be nice like what's so what is so hard on them on being nice


ya, ya ya ya ya if you're high the person is a high link client be no no choice okay okay just must okay oh my god I hate


I hate I hate to be in the in in that in that in in that particular spot you just have to suck it up I was so t an engineer then, because uh because there's client then there's the architect then there's the consultant then there's the main contractors so every time the client comes okay the client that comes is only the VP I've never met met the met the president before the VP or CDL every time the client come my my


boss who is always very rude and always throwing vulgarities, will be extra nice super nice to the client even fetch the client come go to site come I fetch you ah !wow! !wow!


what your


it was it was it it was necessary on your end some people needs to be apprehended if not they will never know what they are doing wrong because they think this is this is right all their life


, oh ya


okay, but there's no other franchise to the shop


that go that that go to the alternative it is a win win, ah, ya it's all it's all it's all the same


my concluding statement about the about the negative is just behave like how, you want to be treated, it's it is it's free to just be nice and not just be I don't see the point of being rude ya some some days you have your bad days or you're not you're feeling under the weather or you just feel like


scolding someone but if you're in the in the in the service line you need to control your emotion if you're having your own business you need to control your your emotion if you can't control your emotions you cannot be a leader, you will you will just you will just jeopardise your entire company your entire business


shit ya


ya it's always the the, customer service the if if if if the customer service is good but the product is mediocre we can stay close one eye


(mm) alright


, part two positive experience okay Azmi you want to, start first you want to start first


no problem go ahead , okay awesome okay


okay, scams ya scams they hike they hike up the price


okay


okay I'm just wondering, I'm just wondering why why do gamers build their own PCs instead of buying it off the rack


okay, , ya


for the for the graphic card is it a massive difference, five hundred plus okay okay


okay, okay


is it, ah, okay


okay so sorry to can I interject uh, can I interject awhile okay uh, actually when there's a problem with the graphic card uh does your is it the problem where your screen turns blue


or green or cannot start, so if uh if if you have a faulty graphic card you your your computer just cannot on is it


oh okay


okay, finding fault ah ya, okay agree


oh actually which shop


okay which shop which shop is it at, so, so you find this shop from a awesome so so you find this shop


so you you you where how do you find this shop from a hardware zone, or forum or recommendation, ah okay


okay , ya, become your friend correct agree


they are technically just workers ah, okay


positive experience from product okay I link back to my insurance I have one positive okay so uh, early this year if you realise where I don't know whether you realise from our drive back home on my right side of my ear I had I had I have a cyst


so the cyst uh it's like a big pimple but it's a is about , three CM four CM long and it protrudes out about two point five CM


it's huge it's huge bro so it's technically is like, half of a ping pong ball, so I had that and two weeks later I'm getting engaged


so it was ugly so I was taking photos just from that side so I was going, so okay so the back story of this because uh prior to this about a year about uh a year or two back


I had I had the same thing so I went to SGH, so I went to SGH they cut my cyst open, and they drain the they call it abscess lah they drain the abscess then they, sew it back so every three days I must come back and they they need to put the gauze is a gauze is a a string gauze is like a bandage but it's very thin and long so they they they flush


everything back and everything was fine for one year one year one half year everything was fine so suddenly my cyst just came back again so it was very huge, then I say like I cannot I cannot, do anything with this I just need to go to an op


so I say like why not my insurance back then K before the new policy change in two zero two one where they only cover ninety percent I don't know if you're aware of that, okay I'll touch on that later so uh back then last year early this year I was hundred percent covered so what


AIA AIA does if your pre-treatment, your pre-treatment everything you pay by cash but they will uh reimburse you later, okay so the thing about uh


private private is very fast if you say you want to go for your op you'll you'll just get the appointment probably next week next two weeks is very fast is not like government hospital where if you go for the uh if you want to go for an op they schedule you uh


at next three months next four month next five month it's not like that is very fast so my pre-treatment cost my pre-treatment per I was meeting the doctor once every four days once every five days, and per and per meeting is


two hundred plus three hundred plus five hundred plus, I went to mount E so imagine how much I spend from from pre-treatment so my my my pre-treatment was already close to seven K


cash cash cash, so I went to my to my day surgery my agent assist me with it with all my paperwork the doctor was very nice the nurse was all very helpful and I went for my operation ended the only bad thing that I can say about AIA is the post treatment they only cover you for hundred days


so what I could advice oh is, not is not is okay some okay if you're going for a surgery three months is the short time because you need okay if if let's say you break your arm


you you have, broken your arm and broken arm it wouldn't take three months to recover it will take more than three months to recover and your physio and all and and and all that stuff but hundred days I just make make do with it I just rush all my appointments but the good thing is after everything


I was fully subsidised and I was subsidised fourteen the whole the whole treatment cost the whole surgery costs fourteen thousand, so imagine if I'm not covered with insurance


not not a single cent everything was reimbursed back, awesome and the, ya so I so when I do my calculations back right okay so I've been paying my insurance since two thousand sixteen so I've I've claimed fourteen thousand so every month I pay up to about thirty four okay is worth it


ah because you claim, ya so that's so that's uh so that's my good good experience with insurance and the service that was provided ah maybe because I'm a private patient , if I'm not a private patient like you say maybe


the treatment will be different they'll be more cold you know, if you are paying a certain amount they'll treat you better just money talks ah


okay


I knew but I must always double confirm with my agent, ah you in chinese they they call it Gekiang they don't want to Gekiang always ask first


correct for hospitalisation plan if you're going for day surgery you're covered, okay so uh okay so I want to relate back to what I was saying just now like the recent the the the recent government intervention is they now no longer cover you hundred percent they only cover you ninety five percent


so if you go to a uh private hospital you need to pay five percent of your costs capped at capped at three thousand, uh capped at three thousand so now if I go for my operation I must pay five percent of the total cost capped at three thousand


so that's where there's an uproar where people who have been paying their their premium say why am I covered only ninety five percent when I'm , fully covered back then and you and when you go for an operation is always five figures I have not seen an operation that is less than five figures so definitely when you go to an to an op for or go to the hospital three thousand standby you'll need to pay there's no


there's no running away from it so, uh that's the downside of what is going on but I understand what the government is doing the government is doing that is because people are misusing it because they know they are covered they'll just go to private private private private all the all the private and the insurance company is bleeding bro


bleeding they are bleeding that's why even my agent when I want when actually if you see back uh the lump came back but it's small so my my my insurance, agent was pushing me to go to the okay for AIA they have the


uh a panel of certified doctors so if you go to the panel of certified doctors you'll get more coverage you don't have to pay the five percent and also you'll instead of getting hundred days post treatment you'll get six months of post treatment


but I'm but I'm but I'm but before that I I was taken aback by my insurance agent I say like why you pushing me to go to a government hospital when, my I'm I'm I I'm paying a the most expensive premium monthly to to be able to go to any hospital


the and one of the reason why I say I want to pay to go uh to pay the highest premium is because when I'm sick when someone is sick they don't want to think eh am I qualified to go to this hospital am I qualified to go to that to that hospital they just want to go to the nearest to the fastest to the most efficient hospital that is the reason why I cut


I I I pay that much, so what are your thoughts on this


polyclinic, okay


ya, why eh


okay can I stop with that for awhile, can I stop uh stop you for awhile he he told you that your hospital plan can cover fever at farrer park


oh okay, okay, , oh that oh that oh that's bad


correct


how much is affordable at farrer park, eighty five, that's cheap ah if you compare to CGH it's about hundred and twenty plus, everything ah,


it was flat it it was flat rate hundred and hundred and twenty, you go in you meet the nurse you meet the doctor you take your medicine you break your arm or anything is just there hundred and uh hundred and fifty bucks at A&E but I didn't know that that farrer park was cheaper


oh okay okay, , okay so we will conclude our our second part of discussion here okay


part one finance alright of course go ahead bro


(uh huh) okay


yup


understand, ya no worries go ahead


yes right right you're right


okay I mean based on your points right I'm kind of glad that we both share the same sentiments on this cause uh for insurance I don't really fully believe in insurance in a sense where like for myself I only have for protection plan right I only have hospital plan like you and that too I only got it three years back


or or rather two years back when I started working because okay so all these clauses right that they have it's okay let's say if I'm hospitalised does not guarantee that I will get whatever payout that I will be able to get, right like you mentioned just now all these uh clauses whether I fit the bill whether I fit the situation the condition the whatnots there's a lot of things that needs to be I mean the conditions need to be met before we can actually get the payout so I find that a little bit annoying lah but the the whole idea of the hospital plan is just for safety net


that's what our that's what my ideas all about but since you mention endowment plan as well so I only have three insurance plans all three are from great eastern and , right so the endowment plan uh like you mentioned uh for me it's not so bad lah cause I will just take it as a mini investment


and especially there's this plan that uh Great Eastern have where we do so for fifteen years I put in about two point four K annual and there there's a there's a premium but then after every ten years it will compound, uh I'm not sure what's the exact numbers but by the end of sixty years according to your brochure it'll be like at most uh two hundred K upwards lah right if I leave till sixty


ya, yes correct but I'm doing annual lah so I don't feel the pinch of monthly so I annual payment annual premium ya so after fifteen years then I will stop paying


, okay you're I agree you're definitely right but my my investment background is not superb I mean to be fair I will say that if I'm on a scale of one to ten I would say maybe my investment knowledge is only three right and I'm not someone with a high risk appetite so I like I'll take very low risks and I don't mind low returns


ya how about how about yourself so so I'm guessing you are going more towards the idea of a investment policies


yes


ya you're right you're right ya you're right, yes, okay


okay okay okay, so I mean am I right to say that you yourself do not have any uh investment insurance plan


okay okay understand I mean since you mention uh what's that your you mentioned your income right a portion of income you were going to be spending on your insurance uh what would what would you think that the best uh portion of your income like for me personally I'm spending about I would say five percent cause like I only have one plan right


okay right


critical illness (hmm) okay I might have a different view about that one but I will understand your point, I, okay so uh okay it must sound very shallow right and I understand myself and it sounds very shallow and you know where I work I where I used to work at right who are my partners so I know very well how this uh this whole system works so the thing about critical illness is they're just


you know to me lah eh my opinion they're just banking on the fact about your I won't say insecurity more of the fear that you know something's going to pop up along the way uh I'm going to play the odds here like for example the odds of you getting a critical illness is really quite low


but the thing is it's all about okay what if you actually get it right then would you have enough money ya so so it's, to me it's like you know it's it's very difficult for me to make a very secure judgement like a a hundred percent okay yes I want this no I don't want that so I'm always sitting on the fence which is which I will fall towards not getting


but what what how about your idea what do you think since you said you don't have a CI plan but you want to get a CI plan what are your thoughts on this CI plan


correct okay, yes you are right you're definitely right correct correct , , yes you're right correct


, I mean sorry if I interject you cause like I took all the insurance certs right all the insurance tests and like so all this knowledge ah like you know I have to learn and and understand so you're right so let's say okay I can't remember the exact numbers right let's just assume it's eight criterias again so let's say you only have and to meet the criteria you need six and you only have


three and this three is very bad you cannot you can't you can't walk and then you can't do your basic necessities , that's still quite bad but you can't get a payout, ya so sorry sorry


ya I know that so that's the reason why my opinions tend towards uh not getting a CI plan because I find it very difficult to fulfill the requirement lah uh I mean again like I said it might be it might sound very shallow but I rather save that money that I'm going to be paying for the premiums for the rainy weather when I need it


I don't know whether uh is right or wrong but I feel safer , yes yes and it's always an addition to a plan right and then like it ya it almost doubles your premium I think


ya correct


, okay


understand understand, okay okay how about we address the elephant in the room you know when we talk about insurance right as in like okay people don't really talk about the plans cause like fifty fifty percent of them either they know the plan like you you you know what you're talking about


and fifty percent they don't know anything about what they about insurance that but there's only one person who were who knows everything it's the insurance agent , and you know and whenever you talk about insurance people will talk about the agent right I mean they don't like the way most of the insurance agents


hardsell the product so my question is okay so who do you approach for your, for your insurance plans or let's say you have uh all these queries about the CI I'm pretty sure you learn all this from someone right so who who who is your go to person


oh , okay , yes yes, unethical yes you're right again with same boat


okay it's always the white piece of paper


yes yes , correct but the thing is there are so many people who are gullible I mean that's why these unethical insurance agents they still you know apply the same uh format right and I tell you before I have seen so many right even when recruiters for example right they like for example they want to recruit new agents they will glorify the whole environment saying like oh we can earn like seven eight K


you know and then like sorry ya exactly so like , exactly and like okay uh I wouldn't mind if they sell it to the recruiters I mean to the uh whoever wants to join insurance lah basically I mean it's their own choice but how about their client so called right I mean their payment their so called salary is based on commission the more they sell the more money they get so


I don't understand why some people don't really understand like you know like insurance agent they are just salesman lah basically like you should just buy what you need and what you think you can afford like you mention two thousand out of your let's say your gross income of six thousand that's thirty three percent


and I I was only willing to put in five to ten percent max you know exactly ya so uh, I don't know lah so my so my partners used to be a for uh Great Eastern right so the there's they are the only person that I trust ah the only one person so he's like my go to an insurance guy so all my plans are with him my endowment plan and my uh what's that the uh hospital plan


and then like you know even though we are quite close he still once in a while he still keep prompting me like you know !hey! you want to K uh want to take a look at your plan you want to see whether you want to like you know add more or like you know improve or something then I in my head I was like eh you're kind of ruining our relationship that we have here you know


like ya I did, if it was like I the first plan that I got was K and uh SAF not counted eh the the Aviva that one is like, that one we were forced to get right so the first actual plan that I ever bought for myself was like twenty two years ago so took me twenty six years of my life to realise that okay maybe I actually do need insurance and then after twenty six years of my life I convinced myself to get and then this person this agent come in like you know one month two months and tell me like !hey! you know you should upgrade I was like


(ppc) sorry, okay no this are other people you know like my friends who are agents ya but, no lah as in I don't like as in the more they hard sell me the more it I was like I'm not inclined to to work with you or like you know to get anything from you


a'ah , yup yes , correct correct I mean I'm okay if you outright tell me like you know !hey! Azmi like you know it's time to look at your policy blah blah blah then I'm like okay lah then I will go there knowing that we are going to be talking about insurance and then like other times when you don't want to talk about insurance just Jio me for Teh you know okay let's go we just go out with like for tea


and then uh it's fine but sorry, eh I'm not against insurance hundred percent but if you tell me that you are going to be doing something about it I'll be okay let's go I I don't want you suddenly like we meet and then come out one white paper one tablet you know and then all these things starts to come out


one file then I'll be like nah, ya ya


yep yep, okay okay


yep yep yep, , (mmhmm)


random yup yup


okay (mmhmm) ya good enough


yup yup


ya agree okay ya


part three negative experience, , alright okay thank you Nimad ,


okay okay please do please do but mind your language though ,


oh okay, I don't remember , yes yes I saw in insta before


okay okay


okay, okay okay


yes I understand oh so there are all in one ah


okay


what okay !wow!, yes yes, ah


oh what ,


ah ya what


, okay okay


without even informing you , ah that's unacceptable it's your bike ya, oh


yes ah I know you're that kind of person


, yes you are definitely right I'm going to elaborate on that later , yes


I'm definitely with you on that one, okay so like okay so the thing I don't have many negative reviews so I I can I can


I can uh share mine and then you can share another one later K after I don't think I will take so long, okay so mine is focused on customer service as well right I rarely I have issues with the product itself because I feel that the product is I mean at the end of the day is you know it's my own decision if I want to pay more for the product I want to pay less whether I like it whether I don't like it if I regret buying it it's all mine


my my issue lah right like you said at the end of the day it boils down to the service, it it really matters to me how you treat people I don't believe in the concept where the customer is always right because I feel that some customers are not, really you know ya they feel very entitled


eh ya I mean I had to be very careful my choice of words uh I feel they are very they are very entitled so and then , someone who if you feel very entitled if you are rude I'm going to I'm going to do exactly what you're doing to me back to you because as you know I do events right so I deal with a lot of clients customers so if I can handle people well I like to think that I can handle people well if I can handle people well why can't


normal people do the same right so again back to the uh the uh, the point where I said customers are not always right I really agree on that , and at the same time me as a customer I don't expect, uh myself to be treated like a god you know for you to like you know uh bow to me touch my feet or all this nonsense just be nice to me that's all I ask for


right so the most recent negative uh review I got uh uh experience I got was this , uh it might sound very minor to you but it's it was stuck in my head for very long so okay so uh I assume this happened two months back okay two months back day one so I went to this place with my friend dinner at a at a I won't say I won't call it restaurant it just a food place right something like a


Tenderfresh or whatever lah right just a normal average branch so we went there we sat down eat okay so uh we were there, it's not a cafe it's just it's just a normal it's at shopping mall, okay go ahead ya it's just in the shopping mall okay shopping mall and the thing is okay so the first time we went there


we went there about eight o'clock right we went there about eight o'clock we having dinner so the malls usually right usually close at nine thirty so that was a very safe assumption and then like you know then they some shops might close at nine, okay so it's fine so that was an assumption I made that they will close at nine so I didn't ask when when's the when when would when would they when will be the time that they close that time so we went there eat dinner with just my friend and I then eight thirty this person this lady she came to us and be like


uh she's like eh what time already you guys need to leave we are closing down and then I was like, nine no okay so for that shop itself nine eight thirty she said oh we need to close down I need to clean up I was very furious at that point sorry yes is it no no no the boss wasn't there it was a worker right it


ya okay so the thing is I was very furious but then I like to give people chance also I don't understand why she say that to me like that I really wanted to say something right but I was like okay lah let got I was thinking maybe it was my fault I should have asked !hey! what time do you guys close eh but but okay but that time I didn't know it was nine eh


okay so so eight thirty she she chase me out so I assume okay they close at eight thirty so I was thinking okay it's my fault okay never mind so then we left sorry, ya we were done with our meals so it's just like it was a vey like I said it's the normal food place right so it took us about twenty minutes then we just drinking lah drinking and just chatting lah for ten minutes ya okay then okay then we left lah okay so then I think two weeks later


we came back to the same place cause sadly the food is nice and she wasn't a regular worker there you know so we went there lah my friend same friend okay same friend so we went there so this time I was a bit smarter so I learned from my mistake so I ask the manager K the manager


hi boss what time do you close today he said oh we close at nine okay so I didn't want I wanted to you know cover myself so I asked him one specific question okay so what, time should we leave he said oh it's fine you can leave at nine okay so with that knowledge I uh I just entered the shop lah with like you know with confidence I was like confident


ya exactly so right I know and then I I ask the manager okay so I don't want if I ask like for example the lower ranking okay I'm not playing ranks but the thing if I ask a low ranking then the manager will be like, oh uh but I he's not a decision maker blah blah so I don't want to go to that route okay lah so then I again with same thing the food was nice we order the same thing


and then at eight thirty right on cue at eight thirty two lah ah I remember the time cause I was I was I don't know why I was anticipating eight thirty two same person same lady there was at least three workers there but the same lady came to our table , excuse me she said no she didn't even say excuse me she took our tray usually I like to clean my own trays right I I feel that I eat then I clean myself up lah right I clean my tables


ya so and then she take my she took my tray and then she was like you guys need to leave we are closing down already we have not closing down lah we are closing soon and then she there's no please no thank you no no smile nothing it's just that that annoyed little face that I'm wasting her time like because of us okay and then the thing we were the last two lah K but that doesn't


sorry oh she's uh I would say forty something forty five , so the reason she was forty plus that I was a bit mild if she was our youth I'll have just like you know voice out lah you know me I'm quite I won't say aggressive uh I'm very opinionated


ya so she's forty plus ah so then she said that so I was annoyed then I at at first I I told my friend that do you see this right uh then I asked him do you remember this happened two weeks ago he said ya, okay then she said that she took our tray then I was like then I couldn't take it I was like, uh excuse me why you being so rude then she was like what do you mean I'm not being rude then I was like do you know that your manager said we can stay until nine and you guys close at nine why you chasing us out at eight thirty is it that you want to go like be back home early you know you are paid until nine


I I felt that maybe I didn't have to say that uh uh maybe I was being rude but I told you already right if people are rude to me they deserve me being rude and I know I'm a very , I I'm not a very nice guy when it comes to words when I'm I'm pissed off because like I'll just give it to you I don't care


ya so I just whack lah but again I uh there were no vulgarities no profanities because again you know I I I uh, I I'm too nice lah ah basically and that she's forty plus so I didn't want to say that so I called the manager I was like she there was no apology all I needed was write an apology lah and then I'm I'm cool right again I I'm not I wasn't entitled I don't want you to be like okay this free stuff here free there stuff there I don't need you to treat me nicely or what just be like treat me like a normal person like hi excuse me sorry


okay even them is okay lah okay the okay I agree but but that that was like maybe five ten percent the the one that I got pissed off was she took the tray and she ask me to leave


if she take the tray like you know some places where like they the okay just yesterday I went uh with my girlfriend we went to dinner and then we were eating and then like you know we wanted second round we wanted to order more then this waiter uh cleaner he came to our table then he was smiling hi sir can I help to clean your table then I was like ya sure sure no worries uh we going to have second round so then he was like no no no worries we're not chasing you out then I was like


you know this was like total opposite of what I experienced, yes yes I again I don't need you to treat me like a god I just want you to treat me like a normal human being that's all you know you be nice to me I'll be nice to you simple and the thing is when she came over she ask me I also replied her nicely I never say like


eh no can't you see I'm eating or like you know no I'm going for second round no I was like sure ya you can you can go ahead but you know I'm not done yet so you don't have to to start cleaning first cause you know where the table is quite big I can just like you know collect all all my dirty plates put one corner first right and then continue eating again ya


!wah! dude that one !wah! okay I don't know why I'm getting a bit agitated because uh that !wah! that that lady really I don't know it was really, pissed it she pissed me off lah so the thing is uh instead of talking to her I know it's really very difficult to talk to people like this so I approached the manager I was like


uh boss ah I was nice to him I call him boss some more right so I was like boss you said nine o'clock you know I asked I won't say I asked permission I asked you and then you said we can stay here until nine and then I'm not going to be like you know know waste your time and then if nine eight fifty nine then I leave I mean we just wanted to just chill you know rest bit eight forty five lah we can leave eight forty five still plenty of time what


right and then for F&B when you close your when your service close does not mean that your restaurant is closed right , right I have friend who works in F&B let's say you close at ten it's ten for the customer you still have to stay until eleven twelve to clean up and stuff what right so it's not like at nine you can just leave at nine you still have to do your what kitchen duties and stuff so I was like so why what's the point of chasing us out


and the manager just say sorry to me lah then he then he was like saying like uh she's new then when he say she's new I was like oh but I came in two weeks ago ya exactly I was like, exactly but then I told him lah I mean uh even though she's new right right the least you could do just to make sure that she is being proper in front of people just adhere to the rules of your company or your shop you said nine then she chase people at nine lah you know


that's all that's why I told him then he was like he was very apologetic I'm okay as long as you know a mistake has been made you you apologise K I don't need refund I don't need okay when you come next week we give you voucher free meal I don't need this kind of stuff ya I'm I'm I just want people to be normal people normal human being that's all


ya, exactly I told you right my events I'm like you know I I and there was so many people I there wasn't a time for me there was a need for me to be rude not a need the only the only time is when you're rude to me then if you're not a high paying client then I can be rude to you if you're high paying client then I will just suck it up


ya but high ya, exactly you know if a it's a super high paying client you want me to pull the #taj mahal# from india to singapore I will still do it


you know , ah ya, ah


okay , ah okay


okay uh, , ya I get it okay then what what do you think like like what what I did there was it was it called for like you know I felt that it was a really bad


service and I even if the food was bad I do there wasn't a need for me to get angry but I just don't like lah, what do you think, right this second time some more


ya ya, right so ya so okay lah I don't know whether I want to go back to the place again maybe I'll go go back if she's not around but then it sounds stupid right in a sense where that I want to consume the food there then I have to check whether it's like you know seeing whether my


ex girlfriend is in the place so it's like I just don't want a bad experience there you know I, I of all the things right off like I said I'm okay I've no complains about products nothing about anything lah right basically just just service, it really I don't know hits hard for me


ya, uh there is ah sadly there is there is yup, ya but you know me lah it's always the nearest,


I wait so so do you have any uh any I don't know concluding statement regarding your negative, experience


ya, (ppc)


ya I agree, ya


so like I mean from from her service if I wasn't a big fan of that place uh I would I would think that the whole franchise is uh is bad, right but the then again the manager was nice right the everything was nice the food was nice place was nice it's just that one person


but if like I said if I if I am like you know not well informed I would just assume that K everyone's like that or the franchise is just like that so where I don't want I don't want to come to that conclusion or like you know to the extent, so ya lah as in I that's for me lah


ah there are many other negative uh experience I have and all as almost ninety nine percent are all uh customer service related, yes


yes I agree right, okay


part two positive experience, sorry Nimad uh


oh ya sure uh if you have any question I'll make sure I don't prolong my story K I just scared that , okay okay so I can't really think of many but there's one that kind of like most stuck in my head so you know I build my own PC right and I play games, right so I build my own PC so I bought all the parts from uh I bought some are from online some from #sim lim# square and then #sim lim# square is quite dangerous to buy cause like most of the stuff there is a bit dodgy but I know of a guy lah there


sorry, ya exactly right the prices the you know the equipments you are not sure , but I know of a guy there who's quite solid and then he sells like proper products so okay lah I I went there then I spent about one point eight K right I bought the CPU power supply the what's that uh graphing the graphic card everything RAM


K so and then I was very happy K and then back the reason why I was pushed to get this was because my laptop died, I think I came back from india trip right I'm when I came back from india trip after like two weeks and then my laptop died and then I was playing a game then I was quite uh quite, sad lah I mean again it sounds very stupid to say that but I was quite sad my laptop died so I was a bit desperate so I went down to #sim lim# I got some parts online so I spent about one point eight K then I'll came back home I fixed all my parts and then


my PC cannot switch on then I was like , , okay so if you buy off the rack right so it's not like the best uh parts that you is available in the in the PC unit


right so they ya they just put it for like I don't know so as long as it's good enough to play games I think they can sell it so and then like and then gamers have preference you know your graphic cards like this your graphic's like cards like that how much ram you want what kind of motherboard you want so there are a lot of preference lah I would say


yes it is it's a lot and then if you can see there's a lot of uh a lot of different ranges of graphic cards as well and they're not cheap they're like five hundred plus, at the, five hundred plus five hundred is average okay so like the better ones are like eight hundred so when I went to buy right the graphic card so the problem the issue I have here is no not a problem okay is is a very positive experience that it's the graphic card so the average graphic card was five hundred dollars so I spent about five fifty lah so the actual the I wanted something


even better which was about eight hundred fifty but okay off budget so I bought five fifty then like you know I I was I was fixing my PC and then I this is not the first time I fix my PC so I know how to fix a PC or rather I know how to build a gaming PC so I I make sure everything was Sui everything was uh on point everything was perfect but then


I couldn't switch it on so I was I googled I spend like the whole day googling I couldn't so the next day I went down, right I went down and then uh because K initially I realised that my graphic card is is the problem lah but the thing with graphic card is if you fix it wrongly, and you can short circuit your whole PC so if you short circuit your PC it will affect your graphic card and your graphic card will not be able to fulfil the warranty for one to one exchange because you short circuit it and to short circuit it is very simple there are there are four screws on the motherboard that you need to take out if you don't take these out it will short circuit the whole thing


okay right and these four screws are very small so the thing is uh I did remove the four screws lah so I know it's not the it's not my fault so I I realised it was the graphic uh graphic card and the thing about graphic card it's not easy to change one for one, sorry ya ya sure


, no no no it's not it's it so it's not, the screen turns blue is a is most of the time it's uh either the motherboard or software issue


eh it it uh it can switch on but then you will see like a lot of uh how do I put this like uh uh wavy lines or disoriented colours maybe like it looks like pixels here and there but they're not pixels ya so okay lah so I went down I went down to sim lim and then like I say like !hey! can you take a look and then they they took a look and then the thing about graphic card is I read on the forums it's very difficult to exchange because it's five hundred fifty


if you're the owner of the company you wouldn't want to you know this thing is bought you won't want to change too ah right five fifty so they did thorough testing and all then they I was quite scared lah I was quite nervous then they realise it is the graphic card's uh problem but they have to check whether it was my fault so they they took out everything from my PC they took out everything and then uh


exactly if they they wanted to see whether it was my fault but then at the end of day it wasn't my fault so they they clean all the parts they dusted the parts K and the thing is the parts are not from their shop right remember I told you I bought from online, right so some parts I bought online some parts I bought from their shop and then like one or two I bought from other shop lah because mix and match you know looks nice and then uh ya so they clean all the parts they no question asked they they dismantled they clean all the parts and then uh what's that they they rewire all my okay so uh my wiring is not the best okay I'm not a very neat person when it comes to wiring cause


very troublesome so they cable tie they fix everything they they change my graphic card they give me a new one and then they give me like a new PC like a bigger one so it can fit my my motherboard properly uh I I find that a very good experience cause they didn't even


they they weren't they weren't very uh condescending right for example you know all most not most lah you know some uh service centre when you go they will keep thinking like are you sure it's not your fault are you sure it's not you fault they will try to make it seem as if it's your fault right like so many like you know if you call like telco or whatever


they keep asking like do you switch on the button you know like I mean come on I know how to switch on the button right if I knew if it's not switching on means like you know something is wrong lah, so ya so they they weren't they weren't being condescending and they were very positive I feel so I I don't know I like the whole experience and I told them like !hey! I didn't buy all the parts from your shop they say no no it's okay it's fine so they did everything for me lah


I I was like okay this is good so that that is uh since then that's been my go to place, for uh computer parts, ya I think uh in recent memory lah that will be the best positive uh review I've ever gotten


uh it's on the fifth floor okay uh it sounds mean but I don't remember the the name of the shop because it's quite big, it's like almost like one third of the fifth floor ah maybe next time lah next time I can bring you there, sorry


ah no no as in so the guy is a friend of mine so like okay the owner is a friend of mine but not the service people so what I did next was I told my friend to pass down the message to the guy lah you know to tell them that their service people are good I maybe I mean most of the time the boss won't be there ya


so if the boss is there I understand obviously okay you're my friend's friend I obviously I have to be nice to you then like you know then I'll be like fifty fifty I don't know whether you're nice to me because you're nice or you're nice to me because I'm uh an acquaintance ya but this are service people they have no reason to be nice to me right because I am exchanging their product


it's not that I want to buy if I want to buy they were are nice okay lah understand also, ya, ya exactly so okay lah I know ya okay how how about you how about you your turn


okay okay


but , that's not a pimple that's huge okay okay


okay not the best times


oh okay make sense , ah ,


okay


right right right, err okay okay okay okay


, uh no I'm not I don't know about that one okay okay okay okay


oh


right right right


oh !wow! that's oh that's expensive, oh , ya


oh !wow! pre-treatment it's not even the treatment okay okay, ah oh


okay oh, is that not not enough time it sounds long to me three months


ah okay okay I understand understand,


okay okay ya, oh ah, !wow! okay


ya wait so you didn't pay a single cent then like everything was , oh oh, okay kind of change my whole perception of a insurance now okay okay


oh okay right right right


ah


yes , ya I don't know like usually all these treatments cause like insurance as far as I know right they're, they're moving towards more of a private side because like I mean they are better per se you know right like you said they just serve faster I don't know why lah I mean I


we all know why lah but I mean you don't have to say it but I mean it's good lah right if you if you go towards uh private but the thing is if I were to be in the same boat as you right I wouldn't know what to do, you know I don't know what what what's covered or like or like I I I really can't like I don't even know how to start because I really wouldn't know but it's good lah that you know your stuff but the thing is do you ask your agent or you already knew about all the the the things that you could claim


ah okay okay okay understand okay okay ah, okay that's true so like in other words so you you and the doctors they have to know that you know what is covered under your plan lah I mean they cannot just give you a procedure which is not covered under the policy am I right


ah okay okay


oh oh yes yes yes I remember that,


ya, yes yes yes


understand understand ya


, ya, , okay so I think I I definitely had how do I put this


okay so uh on that note right uh there was one time I had fever five days in a row I had at thirty nine degrees fever, right so it was very high and the thing is me is a typical singaporeans the first thing I want if I want to go for a doctor I will go to what's that the government hospital


right but the thing is I don't want to go to cause if you have high fever uh I think then you have to go to A&E, then I know the queue there is really horrible so I didn't want to but remember the the agent friend I told you I mean it's considered as one of the positive experience also lah right because I told him, right I mean he was my colleague right so I told him like !hey! you know I have this high fever it's been going down then I have like rashes and stuff and the first thing he told me do not go to uh public hospital just go to farrer park hospital


then he then I was scared lah obviously I don't want to fork out and suddenly he was like your insurance will cover they cover private hospital they cover this they do this they do that then I was like, more relieved and more inclined to go towards private hospital because I already told you right my my initial, sorry


no no as in not uh not cover fever because we do not know what it is right cause it's not a normal fever I have rashes and thirty nine degree so I was afraid it was something else , so I don't want to go to a government hospital and suddenly come out like okay don't know I don't know what lah right as in got rashes and thirty nine degrees for five days I took panadol I took paracetamol I even took I went to uh what's that there were clinic like the uh what's that the raffles clinic causeway point there


you know so I took all these medicine antibiotics didn't go down for five days so I I felt that something was wrong so then he said just go because I again I was scared I was hospitalised also and like you know if I'm hospitalised I want to make sure that that my hospital plan will cover me lah right and then I'm not as knowledgeable as you I mean the way you you was talking about your insurance I was like !wow! power dude


so I'm not really as knowledgeable when it comes to what my policy covers I know what it should be cover lah but I just don't know what it fully what it fully covers, ya so uh he was telling me all this stuff and then I just I was more uh what is that uh more well informed in a way so I just went to farrer park hospital and then like you know I went to get a check at there and then turns out it was nothing lah so then uh it was nothing so just give me normal consultation price which is affordable so it's not so bad


uh it was about eighty five ya, half for consultation oh, wait I didn't know that oh I thought eighty five was expensive


oh, right, oh


oh I didn't know I mean I assume I assume eighty five was expensive cause I rather go to a clinic cause like it's a private hospitals some more ya but then turns out it was fine lah


okay uh so uh you uh just you save up the amount whatever amount that you uh earn right you are save up some of it in your own account and you spend the rest is it


shared account okay, yes I think that is a a good way of a uh like how to say forcing yourself to save a certain uh amount of money uh every month uh personally uh I also have a savings account in uh POSB


and eh same as you I've also uh save it from a very young age uh maybe around uh twelve or thirteen also, and the ya but uh the problem is I'm not able to uh control the amount that I spend every month


uh and I think this have shared account is a a good uh idea to do that and uh so since uh the both of us right uh started having a savings account uh since uh twelve or thirteen, are do you think uh other children should also be uh given


uh you should also start the savings account at the twelve at the at the age of twelve or thirteen


(mmhmm)


okay yup uh, but then uh do you think that the ATM card should be given to them at the age of twelve or thirteen itself while they uh get their savings account or do you think eh it's better for them to get it at a later stage as you just said


very true so when uh we were a child we were given a passbook right a passbook which is uh to uh save up all our uh to have a record of our transactions of uh how much we're saving how much we're spending right so uh when as a child if we want to withdraw money what are the possible ways that you can do that


(mmhmm) okay so uh okay now let me ask you a different question uh there are there are so many different types of banks like a AIA OCBC uh POSB and uh, all of these have savings accounts right like they all uh provide I think they provide different interest rates like uh do you think that uh the interest rates matter much in a for savings account


five percent zero point five percent or something like that


but the catch in this is that uh you cannot withdraw uh any part of the money uh within two or three years also right for the first two years or three years, (mmhmm)


okay okay ya (mmhmm), uh okay credit I don't have a credit card because uh okay mine uh current uh thinking is I think credit card is only a given for people who are working


or people who have a stable income right, uh or they have a investments or they have some sort of a source of income ah is uh we I have a debit card though a debit card is more common and the okay to talk about a debit card is that uh


actually uh I really don't know what's the difference between credit and debit card debit card is as far as I know debit card means uh you will have a money in our account and that is being spent right, and uh credit card means is that uh even if there is no balance in your account you're able to uh loan some uh money from the bank


and we are able and we can uh paid it after a a month also uh according to your interest rates so uh yah so that's my current knowledge of credit or debit card but uh what, what do you think uh is the difference between credit or debit card that I missed out


so uh just to uh ya for for my doubt uh it means that you pay some amount of money uh in advance and then that money is used by the bank if you're not able to repay the loan is it


cash to put okay okay


(mmhmm), no more than that okay and, then okay so about credit and debit cards let's uh move on from this and let's go to maybe investments so what do you think about investments in uh maybe uh properties and investments in uh shares what do you think about uh these two types of investments


completely agreed


yes very true I agree with you and the when I was at a young age my parents invested in the uh stock market too, ah they did I do I don't think they did uh too much research they did uh maybe basic research and they invested in it but uh it was a not a good experience for them it it uh led to a lot of losses so that's why uh from a very young age I've been told that stock market is very risky and the


and it is not uh advice you uh they have advised me to not uh invest in stock market unless you are absolute, pretty sure of what you are doing so ah about the high risks and everything uh I at this age I see some of my friends already investing in shares like SIA also


and there are , it's I have a very mixed uh feeling about this whether to invest to in it whether not to invest in it, but as you said I have uh no uh considerable knowledge of how uh to invest, or uh or but oh okay according for my uh to my uncle


he said that investing at a very young age is uh actually advisable, because he says that uh if you invest at the age of eighteen in a good stock at the age of maybe thirty or thirty two also they uh investment that you put in would have multiply in an exponential rate


ya if it is a a good stock that you have invested in so with a considerable amount of research and maybe uh you know asking around with friends and so I think uh it would be advisable uh it would be uh possible to invest maybe you know uh


a small amount of money in where and share market ya for now, (mmhmm)


true uh okay so what I think about this is that uh yes at uh situations like this stock uh prices will go down uh sorry the stock shares of the prices uh will go down, but if you see in the long run as I said maybe around ten or twenty years


uh definitely uh it will lead to uh considerable, considerable amount of uh profit for you in the long run, but uh at the same time there's also inflation uh amount of money that you invested twenty years back uh


even if you double that amount maybe because of inflation it might not lead to a lot of, profit you might see that uh other types of investments uh maybe such as a like a fixed deposit investments could be more profitable than uh share market itself so uh ya it's really subjective about this but ya that's what I feel lah about the stock markets


(mmhmm) ya


points or miles, uh I think uh cashback would be a good option but uh the catch in this again is that uh, you will it's only when you spend a a large amount of money then you get a certain small percentage of it back but if you uh spend maybe for the uh over a year maybe five or ten years you can save uh some amount of money but uh I think that


uh personally I feel that maybe uh it is it is not much of a use uh these points back, uh cashback and all but uh if you ask me to compare I think uh cashback would be the most the, would be the most useful out of the three that you mention because uh not everyone might uh might you know travel especially this situation where travel is a totally restricted you cannot uh use your miles to go anywhere


but I think ya ya uh cashback is a would be the most the best option out of the three that you mentioned, ya, uh do you know of any uh savings ah do you know of, any uh cashback rewards that uh actually like uh you know give considerable amount of money for amount that you spend what is the highest the percentage that you have seen


ya true, but maybe from your parents or they might uh have told you about their you know cashback or maybe miles or something like that


uh yah (mmhmm), card, ya okay


ya I've heard about that, oh six percent is quite good


ya this had changed the my thinking a bit I thought it was uh mostly uh not that useful at all but six percent is quite a some amount of money that you can


(mmhmm), yes true, okay uh and what do you think about loans uh do you have you taken any loans for your university studies now


I see uh so it was really a busy jam packed is it the restaurant, (uh huh), (mmhmm), at least have one person right


(mmhmm) so uh okay relating today's uh food and beverage uh yesterday I went to this uh also this uh restaurant uh okay I also not like disclose the name, but uh well I went to uh purchase the order the person the sales person who was actually a uh not not sales person sorry the cashier who was taking down my order uh it was a simple order it was just a


but she's just seem there're very you know uh, lost then she didn't you know she kept asking me repetitive questions like like uh do you need three carriers or do you need two carriers I was like I just need a this I just need that three of this into carriers that's all I need and then she was like and she ya she I don't think she like


she she just showed no interest like there was no interest in you know uh taking , because it it all all all she had to do was uh you know just uh ask properly if she didn't understand but she just assume the one thing and she did another


but I could see on the screen that uh what she had enter was wrong then I was like uh no it is not that it is this then she was like then but then she still didn't uh entered the writing so it took quite some time and that gave a quite a a bad impression of not just her but the whole place you know ya and


the uh not only that uh the food was not up to uh the expectation also because uh , uh ya I thought it would be better for it cause it's uh it's quite well known, uh in singapore but uh I had the food and I was uh quite disappointed I uh most of the food I had to you know I just dump it obvious wasted ya


so uh relating to this and maybe another negative experience that I had uh not so much negative but okay but uh it's a quite a bad isn't that okay I told I just told you about uh the speaker right uh like I went to


Harvey Norman and bought a speaker uh before that I actually went to another big uh electronic store and over there they had also had uh the same uh JBL speakers for sale uh the cost is also the same the same as Harvey Norman


but uh the uh problem was uh there was no one to help me up you I was just like there I was really lost because I didn't know what to get what which speaker to get but uh I was I really did I was just lost a bit uh because like I couldn't uh try the speakers up myself also


I I tried to connect the my phone to the bluetooth to the bluetooth speaker but uh though no one to help me up, and the I just saw uh the salesperson you know just quite uh not uh too far away quite near but they were just you know they were not even uh attending to other people they will just minding their own business so it was like


uh ya I had to call up my friend then ask him you know where it was a good uh, it was a good idea to buy from there then he was like uh if you are really sure about it buy from there but uh maybe go to some other shops then instruct to me oh ya maybe there's a harvey norman there too that but at that time my uh thinking was that oh Harvey Norman is probably more expensive than the place that I was but when I went there I saw that the price were same and


the customer service there was just really good so, uh ya the negative customer experience were there's, it's actually good in a way it uh led me to uh buy a product uh which is you know much better, and uh cheaper at the same time so ya ya


(mmhmm)


I see okay so about this modem and all okay uh it reminds me of a another negative experience that I had uh when I came uh to NTU uh I, uh didn't have a modem first so I got a more I bought a modem from this uh company and I went once I set it up I found out that uh the internet


it says that on the modem we chose that the internet is being uh, signalled out and it shows a a green icon there but then uh when I connected it uh when I tried to connect in with the other devices uh it says that the wifi is not available or something like that


then uh I was like I didn't know what to do so I try to look at the official online website and the website was uh not very helpful and the I thought maybe the official website of that company the online website should be much more helpful I spent like maybe uh


two three hours on just uh trying to you know restart the modem and uh right you know entering their product or the they key at the back or something like that ah but I couldn't uh I I couldn't you know uh


make to get the modem to work and uh but the thing is and even on their official website there was no uh there was, they didn't ask us to you know call the hotline or something like that there was a hotline number actually which was in the sticker or on the back of the modm a very small sticker on the back of the modem just saying there was a local hotline number and international hotline number and the


so I called the international hotline and it turns out that they were much more helpful than the website itself so eh the international hotline, they they were they just ask very simple questions like uh is the green light working and is it connected to the uh ethernet port


then uh and then they ask the okay then there will be a small button uh at the back of the modem then I had to reset it with a a safety pin or something like that and they they've leading step to step and uh step step by step and very precise instructions of what to do


they were very patient also like uh the line disconnected uh, now then but they were good about it so comparing to uh but to the website which was , uh not very helpful at all uh at least what the website could've done you know give the hotline number there and tell us to you know call the number if you don't find it helpful but there was no option like that they have to so ya there was a a negative experience uh that I had uh


(uh huh)


(mmhmm), (mmhmm)


ya that fear is really uh something right , (mmhmm)


or maybe what they could do you know they could uh have the you know there's a display right uh in the public bus stops where uh they show the bus timings, you know they could do something like that you know a more or simple one but ya I also had the a same negative experience the same fizzy things and on the same saturday morning


, I was waiting for the bus there were so many people there and I was uh and I I actually couldn't board the first campus bus because it was full , and uh so what I luckily for me I found out that I could take the public bus to go to the same location to there from there work and luckily there were in a short while the public bus came to


so uh ya it was just up to luck as, you said and the ya that was a quite scary but uh ya other than that another relative experience that I had is when I first entered into hall very first day and in somewhere around week three the first enter ah with my dad we were uh we were


given this a room in this hall hall seventy one which is a such a hall uh fifteen block seventy one beside my block, and when I open the room the room was just full of dust everywhere the room full of dust then there were there was uh unused plastic


bed uh the chair and the cupboard and then there was like a bit of hair like in the you know uh drawers and, it was just really really bad and there was a bad smell in it too and then my dad was like nope we're not getting this room we we're we're


we're going to uh you know uh talk to the hall fifteen general office, and we went to the general office and then at first they were like uh no sorry we can't change the room and then we will like uh my dad was like uh no it you just come up and see the room and is this what NTU supposed to provide for it for their you know uh fresh freshmen


and then uh when the manager came the manager came up and saw and then he understood lah he understood that uh that's not uh is our house supposed be and luckily there were uh two other rooms which were available in the next block which is block seventy two


ya and ya so we ended up getting a different room but er ya so that was an negative experience that I had, (mmhmm)


yes true


uh hi I'm uh my name is Vishnu and the, I'm going to uh talk about a positive product review uh of a a store that I went to it is in uh okay Jurong point I went to uh Harvey Norman and the over there I went there to buy uh a speakers and uh external speaker and


uh I was actually very uh at first I didn't know uh what type of speaker to get and because there are so many speakers and uh there're a lot of different price ranges, but uh when I went there and the I found the a a sales lady over there who was a very helpful uh she stood there she was helping me for around uh two hours just to uh convinced me that uh


of for which type of a product to buy I was uh going to buy a a JBL speaker I had my I had my mindset on JBL but , there was a smaller speaker there was a bigger one and the what I thought was that maybe the biggest speaker even though with the additional cost uh it would have a better sound quality


but eh it turns out that uh the the sales lady uh when she actually uh played uh my music on both the speakers it turns out that the smaller speakers were actually much more effective much more clearer and, had a much uh louder uh the uh bass the bass


so uh I found out that you know if I didn't have any help from the sales lady I will gotten a I'll have wasted more money on a a product which is more expensive and which is uh not uh what I you know what you would have not been uh to up to my satisfaction


so uh it's the sale lady was really helpful and uh my impression on Harvey Norman uh really uh went up a notch that day, and the ya and not only that she also convinced me to get a five year warranty for the product so that even after uh I buy she said that


that if that of uh any faults with the products, you can uh come back to the store and you can uh exchange it for a brand new one and all that is only for an additional twenty or thirty dollars, uh and I found that uh all all of her the way she interacted with me and uh the points that she put across to help me buy the product uh it was a very helpful and the I left the store uh with a a happy experience


ya, so ya


(mmhmm) okay


I see okay


(mmhmm), so uh if you looked at it right the buffet system is uh change to a more like a an ordering system, the bread ah okay but uh is it like , they bring the is it like they bring the uh food over to you then you get to pick and then they bring back or is it like you order and then at a normal restaurant or like like what's the difference between a buffet and a normal restaurant at this situation


oh, (mmhmm)


also like whenever you just uh when need more food you can just uh ask the waiter is it, ya that is an innovative solution and and this uh ya situation so


I see, (mmhmm)


I see okay is it like an expensive restaurant or is it like a how how was the uh range price range over there


okay okay, seventeen dollars for a free flow BBQ is really worth it


ya and how was the taste


I see, I see ya uh this uh actually uh reminds me of another restaurant that I had uh food in uh it's called up barbeque nation I don't know if it exists in singapore but uh it is there in other places other countries and the


previously as you know I was from uh india I had the ya I've I, used to uh frequently uh visit the place it was like a meeting fair a meeting point for me and my friends there it's because number one the customer service there is really good, uh number two it's uh free uh free flow as you said it's uh you can just uh it's a buffet system you can have as much of of food as you want


and number three number three is the most important where it's very uh it's economically it's very economical, the price it's uh if I convert it to uh singapore dollars it's just around as much as you said twelve or thirteen dollars around there so uh if you look at it is uh the food that they give there is like grill the grill the chicken grilled the fish or grilled the


uh all all types of uh not a non vegetarian food prawns and the ya and they give and they also provide uh vegetarian also like uh you know corn and uh potatoes and uh you know uh kebabs and


if they they they don't even like uh ask you if you need more you know they just keep putting it on your that's a grill in front of the table, they they will just keep uh serving it on your grill until you uh you know say like really it's enough don't don't need to serve me anymore ya ya that's how good their you know uh customer uh services and if you go there you can't like just spend time like around half an hour or one hour it will take you at least two hours


to eat everything there you know uh so it's a it's a it's a nice place to uh spend time with uh friends usually and when we go there and when you say it's someone's birthday, they gave you a birthday cake uh, you know uh just unplanned you know uh they they provide there and then uh the waiters all gathered around and then they uh singing happy birthday for you so we usually we uh we uh made for someone's birthday or for any special occasions or something like that


ya and the thing is they don't have a a constant uh menu also they have some dishes which are constant like for, then uh a long period of time but they keep eh having slight changes in their menu so that it doesn't get boring also so it's like and it's like it's like the it's it's a very good uh type of restaurant that I have been to it's a very positive experience


yes yes yes ya that's the point I was going to come across ya uh do you have any other positive experiences that uh you want to share


I see okay, oh so you have a wide foot ya


I see okay, (mmhmm)


okay I see


uh and uh what about uh okay uh what about the products that are inside the store and uh like were you able to find a shoes uh for casual uh outing for casual wear uh for for your uh you know uh wide foot


!wow!


so not only uh was the customer uh service good at the there were the price was also on uh there was a huge sale in the store and they also manage the uh this situation of uh managing the customers in the situation of COVID very well also


uh this is uh this is how I actually a professional uh you know uh brand like Nike should have you know treat its customers lah, so uh like another professional brand that uh does well generally is uh Uniqlo Uniqlo the uh products that they have they uh shirts and uh the pants and they have a different


uh varieties of shirts and pants and uh although uh you may not see uh many are sales uh people you know walking around trying to uh help you, uh it is unique in the sense that uh you don't need anyone to keep showing you any products because it's uh mostly like uh they have categorised everything into different


sections it's like uh if you need track pants you know check all the available whatever uh sort of track pants that their shop has it's all in one place , and uh if it's a jeans or if it's a uh ya and if it's t shirts shirts it's all categorised and there are and it's not only it just categorised there are different types of it also you know you can just go through quickly and you can see or if you like the design you know you can just get it quickly