the person keep on staring at me I keep on staring at the person, the person just like okay, since there's no one I'll just put it here, then I will just come up there and will see oh it's my name, so like actually I feel like, the worker can actually you know like if he pronounce it bad she he he can just say out the drink names ya so that that person the


customer can at least know oh is my drink rather than you just staring at the customer just ignore, I think that's some uh, workers that are like that in any cafe, but uh, think gradually it's getting better right now since they don't really use the


uh name your name on the cup so it's ya what about you since you are working, have you any like any bad experience with any


so you got okay in general in general, like what kind would you see


oh I think is like something that uh is, is a sensation in america like that like ya they just show and then can you make for me this dainty cup like, I know like I don't, think singapore works that way right do do you guys


as in like you guys do that for your, okay so now I know so I can customise my own drink


okay but is ya is, expected to be expensive cause it's customisation and it causes a lot of, in ingredients right but is a


is a sensation so why, why would why would, you know people do that


you just tiktok like they mix every kind of drinks so like that's no good personally I


oh you guys you were done, ya, we stop our discussion like we


oh no as in like we finish our, we finish up our conversation


in their country also there's a lot of people wearing hijab


during my secondary school days I had this school trip to perth, with my friends err, for a performance so we went there and then there's this one night that we just, casually walking around with


uh ya because, uh it was err not our alone time, so like we scattered around and then we were walking so I was walking with my friend and then these like few drunk australians were like walking past, us, ya and then they were, you know I couldn't wear any hijab right so I was just they but you can see instantly that we are all asian so they were like stupid asians like that and it was really bad experience because we were still young and we were small and they were really big they look older than us so like anything could have done anything could have happen


so beside that also be uh there's this one time, where I was in a store with my uh friends no actually is a market with my friends so like there's this suspicious-looking person, like I think two of them they were like looking at me and my friends we were girls you know and it was only us


so my guy friends were not there and we we were walking around the market and they were actually following us, so we were like oh no like we need our our guy friends right now the moment our guy friends appear they actually left so like you can actually have a lot of imaginations from there


like if they were to keep on following you and you didn't approach your guy friends right they could have done anything to you asian uh girls like they can just kidnap you or take away because I've I seen I not sure if I witnessed it lah because I was still young at that point of time I was in australia australia at sydney with my family trip


it was I was walking around at night with my family, uh and I saw a girl was kidnapped I think she was robbed or kidnapped I'm not sure, and the car instantly fled like just like that so I think uh we have to be safe in different countries like you need to have at least a guy around you


if you don't have a uh guy friends around you right if you feel like you are being uh in a dangerous day you should uh just approach any local uh people in that country err to like a local guy in that country to actually help you like to you know get the danger away ya


part two positive experience, okay then ya why won't you start first err do you have any positive experience that you would like to share any like any service or like any product


for me okay personally I recently had a, health check-up a medical health check-up so err, I cannot remember okay I think is ya it's uh the clinic name is parkway shenton clinic, so err I was called by them to make an appointment


uh so they contacted me and actually uh basically you have, for this medical check-up right for we have to do a, urine test, so this yeah this urine test is actually important but then like for us ladies we cannot take the urine test if we are having our period and we have to give a


they uh like a gap of at least seven to ten days, after your after or before your period so that err it won't messed up your uh, how to say your result, ya your urine test result so I was, I didn't had any I didn't get my period yet because it was actually


my uh, my schedule for my period was not in the right state like it got messed up, ya it was really irregular so I was so stressed out, so when they called me I told them that I might be getting my period in the next few days because I could feel like you know when we about to get our periods we can feel right


so like, I told them that so I, I was confused so I just say I will call you back err to, to make another appointment, so I put down the phone and then I'm like think back okay actually I should just have, uh call them back to, uh just take the slot so that if let's say I still haven't get my period I can just go right


and so I did call back when I call back I I I I was afraid I thought they will like you know say oh I thought you didn't want, so, uh they were actually kind enough to like give me the slot, and they uh they were polite they didn't uh like


how to say like they didn't show any form of attitude through their voice like there were there were no negativity everything was friendly and, positive so uh, after that I was I, ask her the question to


uh clear my doubts loads know I was asking her so if let's say if, I suddenly have my period, what, should I call you guys and like to, uh extend my uh my, uh medical check-up date on other days or do I just like


don't come or what then they were like they were polite they politely you know respond they say oh you can just call us and you can just reschedule on other dates you don't have to worry so, throughout with the phone call right they were really patient and uh


they really uh tried to uh explain to you because, knowing me I kept asking them the same question again and again, but they didn't get annoyed by me so I I I gave them a, a good err five star out of five


for having a good service and that's, ya because the second time I called it was still, it was still a good service so I can see that they actually really train their err customer service really well


is important that err important for you to have , I mean important to for other companies eh, no for a customer service to have a good customer service to serve ya , customers ya cause


if let's say you have a bad customer service no one will actually, uh go to you for anything, ya, so like besides that do you have like any other, positive , experience like good experience besides that


wait so they refund you back your money and give you a free shawl


but if you don't have a, good customer service then you won't gain any trust from the same customer like, you will definitely lose your loyal customer if your, customer service starts to, you know uh get worse


ya ya so social media is really a strong, source of err


okay for me is, uh okay so, knowing that I have a really sensitive skin, so like it will get dry out easily and if I used the wrong product I would actually get this uh, itch on my face


which I think, uh that's not actually uh, uh I think is common, but then like not common for everyone every woman or, every guys so like I got I'll, there's this one experience uh where I had this really


bad , skin condition that I had to uh head down to the national skin centre after visiting, my uh, polyclinic for like four times, so like I went down to the national skin centre after uh making my


ram uh rag like uh appointment, so uh the thing is that when the doctor recommended me this one uh product facial product I was really scared, because uh I


didn't want my skin to break out, so err, I was really scared to use but then uh he said it was dermatologist-tested and it was number one brand, so I was like okay I should just try it out right, and should just pray really hard that my skin won't get really worse or what


so I tried it out and, after a few times, uh trying it out it was really quite good and I actually recommended it to most of my friend because it is really uh is really smooth for any sensitive skin and it actually helps to repair your skin


like it helps to remove any uh acne, acne remains on your face lah like any scars, uh yeah and I err, I should say, that actually skin actually glows better than it was before


ya it was really bad in the past but now it's getting better and, ya that I should trust uh the, dermatologist uh products better lah, so it's a good experience lah because the doctor


help allows me to trust him and the products that he recommended to, I think you are


I think you are


so that is to grabfood lah


I think is similar as foodpanda if, okay I'm not a I, okay I don't usually use grab, I don't really use it I only use grab and foodpanda, doesn't have any of the stores that uh ya so like I think it has the same as foodpanda


I know what you mean so the money flew away ha, but like I think uh it's good that I think, okay grab and foodpanda works the same way, but I don't know really for grab, but I think for foodpanda


there's this one time where I had order this err, this, set of meal from, I think Kampung Yassin I think if I'm not wrong and it was during the fasting month so it took, quite some time, for it to be prepared because you know there's a lot of orders


for the ya so like uh it was one time they say they have sixty minutes wait, then have to wait for one hour ya so we're, no no no foodpanda, ya we ordered from, uh five-thirty


five-thirty like that so actually they told us that if he's gonna be late so you have to wait for a while and and I think of the good part about it is that the drive the the rider actually reach out to us telling us err, how long we have to wait and like keep on informing us that uh


the food is almost ready like it like they're cause they can check with the Kampung Yassin , status themselves right so they will be able to know if the food is almost ready or not so uh I think that he have helped to like ask and then uh reach out back to us so the rider actually did a good job so


I think foodpanda is also not bad, I like foodpanda because it has a really


uh affordable , price delivery charge, for us as students


grab has everything, ya they have everything, it's like when you comb your mind, they might have err uh, building for like, like grab NTUC or what thing


depends lah


cause not all nurse are the same lah, but maybe maybe like you might get a, nurse that is rude to you because depends on her, mood because we never know like the long shift hours that they have work so like to ya to entertain like uh


patient like us who are rude to them then they will like you know they will attack you back so ya I think generally nurse are, good cause they help, to sacrifice their most of their time, to work in the hospital, close to more than twelve hour shift


and ya, and they actually hurt their back or but they still continue working which I like, so but I also know that they get bonuses for that so it's actually quite good


but how do you know that they check on you while you're asleep, oh okay okay


actually they sacrifice themselves, but it feels like it feels like home lah when you are in the hospital itself


ya ya, uh actually I would agree with you, though I don't have any experience being hospitalised and working hand by hand with a nurse my, my friend is a nurse her herself so like I can see uh how


uh how devoted uh, they are with their with their job and like uh conversing with, the patient itself I can hear a lot of stories they give and I can understand uh why nurses are tired having to deal with different kind of patient each every and every single day and not to mention they have to actually


err also uh, put themselves in a situation that they lose their patient in front of their eyes in terms of death in illness or like aging so it it actually they plays a they play a huge role because they are emotionally there when the patient is alive and when the patient had to go away ya so ya nurse nurse are the best


part one finance


uh I mean I I hate cash I'm pretty sure you know that quite well by now like I don't ever carry cash on me, like everything I do is all online lah use google pay, android pay, samsung pay and my card lah so ya I mean with that you can get rewards also so like everytime you spend online


wait so you actually hand write it, you actually highlighted then


no but actually the habit of, writing down your expenses is actually pretty good like you can it's actually a very good way to keep track of your money like a lot of guys all those people who use


cards they don't really tend to do that since they rely on the, uh recordings made by the app itself so it's kind of like pretty good for you to actually do that, uh I got mine like the moment I turn sixteen


uh is credit card is obviously a lot more like, a bigger thing to deal with since if you get a credit card and you spend away your limit it can really hurt your credit score, and then will hurt you down the line lah if you want to get loans and stuff like that, so I start with my debit card I mean even now I can get a credit card but I don't want to not yet


ya exactly, yeah that's true but still nowadays the risk of, people's accounts getting hacked you know there's this thing right so


a bit it's not very common in singapore but it's common in other countries you know the actual ATM machine itself so there's a slot for you to insert the card in right, uh some scammers they create like a cover for the entrance eh of the card inserting it looks the exact same they just put it over is is called the cards skimmer if I'm not wrong it reads all your card details and everything


and people have been getting scammed but by a lot like everyone who goes to the ATM gets their card information all lost


ya lah I don't I don't go to ATM also


that is true that is true lah that's why I feel like those type of the countries they stick to cash a lot more, like if you go to any like part of okay say say for example if you go to india you go to any like not not a mall but anywhere else they always they never take card I've never seen them take card ever


ya small small


as in convenience of cash, imagine going overseas with only cash, your wallet's gotta be your your wallet has to be pretty thick , ya that is true


oh I think, as a child not


ya I don't think there's ever a chance for that considering how students or like uh children's in primary school secondary school most of them don't use card most of them use cash so unless they all switch to card which I highly doubt, I don't think we're gonna see a completely cashless singapore in the upcoming years


ya ya ya ya


oh ya


eh I remember using mine as a way to get drinks in the shop


feel like that that's true but, when I okay when I use my EZlink card to buy stuff, let's say if I run out of cash I used to do it like sec three sec four, I used to end up asking my parents for more money for bus money but actually just use it for food and school and the extra money they gave me for actual food I used to spend it somewhere else


so if parents catch on to that then , then they're kind of getting scammed by us but


credit or debit ah, , (uh huh)


wait I I've one question you know you know how last time you have to use the, book the credit debit card book thing right, that that that passport thing, ya how was that


more fun, okay that is that is a very you thing


I guess I guess, can make it seem more official, like from the movies since , ya it does it does it makes it seems your wallet thick now my wallet is so thin like I'm like


ya it looks good, a perfect amount, I feel like my wallet the right amount looks good with just cards in it, like it's it's thick but it's not like super thick and it's not super thin


hopefully lah I've been going cashless for the last two years already,


okay let's see, oh joint accounts, it's, okay girlfriend I don't think I would since uh I feel like, why okay so if girlfriends I don't think I would have since it is a risk and it is not permanent or like a long you have to gauge it like long distance I mean long term relationships maybe lah


but for, just starting out I wouldn't say I'll get a savings account with them but if I'm married and uh I get a wife I think I may get one personal account and a savings account, uh no joint account the joint account mainly used for like savings or like emergency funds


or like just a way to tell my wife that okay I trust you enough what about you what about you


yeah


there is true lah, oh yeah I haven't I haven't try doing that


, , okay that that's a stretch but I can guess that could happen that's a stretch but I guess that could happen lah, people just use it for your money, ya there's eh speaking about the investing in banks like seems like a pretty good idea I've been thinking of getting into investment lately


and I only looked at the stock market but now that you bring the fact that you can invest in banks


speaking of businesses how is your auditor adventure going


okay study loan okay so in you I mean I'm not sure about how study loans work in singapore I don't know how bad they put you in but I heard that in US like a lot a lot of high majority of students, are in that for years after they graduate and


I don't know, tuition fees anywhere can be expensive I feel like singapore does a pretty good job like the government does a pretty good job on subsidizing uh fees from singaporeans, like uh I I think my poly fee from eleven K got down to just one or two K like it's a huge jump


like, and they also help all those uh people in uh like with financial aid, like the entire fees get slashed off so I don't think, I'm in a position that I will need, a student loan and if I do need it I think I'm screwed for awhile considering that I have to pay back


(uh huh), two years, eh you gotta get a good job for that


I have a friend uh you know Ruisheng, ya so, he was he's in uh poly right now, uh when he joined his poly, uh he when on his in his year two or something he he just completely like uh he just stopped focusing on his studies and everything so he ended up being on the verge of dropping out but his parents


and uh they both managed to do some something some deal with the school, where the fee uh I'm not sure if he's singaporean are not so the fees were also like very expensive so they manage to get him on a bond where, uh if he, once he finishes his studies his NS he must work uh in singapore for think three years minimum


uh and if he goes, and if he goes overseas he must pay back the entire amount back to the poly or singapore, which is quite a lot


there's facts as I think, it it doesn't I don't think it it secures the job for you I think it just forces you to actually work in singapore I think sourcing a job I think is still something you have to do on your own


otherwise it's still more risky


would you take the bond or not , would you do it


k lah I think I'll take the bond because it guarantees you a good education as it is so, once that is certain it just matter of time before you can pay it all back, so it's not too hard lah


contacts up a lot, it's more of a attachment more of a attachment ya


I was actually thinking of doing that this year like during this holiday because my dad


has uh a few people in his company that are willing not willing but uh they wouldn't mind someone to just stick around with them and learn the ropes, so I was actually considering doing that these last two months but then I just, after my last sem after how much of a train wreck it was I did not wanna do anything like that


because and COVID everything I just want to relax


ya that's why but it's picking up it's slowly picking up now so maybe the next holiday is, that that's true that's true, oh my god okay let's see


oh, I got mine at sixteen so I think I will just give them, actually, that I remember how earlier you said it depends on the child like even though the legal age is for them is sixteen like I think


I would have to wait and see how good they are with money like for me I was I'm I'm not gonna lie I think I was pretty good with the money, like even now I for the last two years I've been using card I haven't been I haven't done any merely rash decisions I've been keeping track of my expenses uh my uh the tag not tax the uh invoice you get the record the


like every month once you you get like a receipt of everything you spend, and, like I've been monitoring that from longest time now and I haven't had anything, like any bad thing happen lah I haven't, over spend too much money haven't built up too much money I mean that's a good thing but yeah I'll have to wait and see how good my child manages the money


so maybe sixteen maybe seventeen


part three negative experience, oh so where should I begin so this begin this story begins at fishtail cycling


bought my first bike not my first bike my second bike brand my first brand new one, ya thousand four hundred dollars I thought it will be, one stop at the shop since my old bike was a six hundred dollars second hand one I've no need to bring into any shop to get it service no need for that at all


so I thought the same thing for this one right, (oo) what was I wrong, so the first week my first ride I went to changi, I did a twenty KM or thirty KM ride with my friend at five AM, I noticed that there were some sounds coming from my bike right


so then I went I I I didn't think too much of it so I just thought I could adjust it myself since I handle my bike's stuff pretty well with my other bike, oh that that did not help it made it worse so then I, brought it to the shop downstairs earlier I said about how they they very good shop I brought to that shop they fixed it for me but


then two days later the sound, came back and then this time, was worst like if I, it the sound sounded like it was coming from the rear wheel, but in actuality it was not, so I went to a shop by the beach okay


err I called every other shop and ask them how much it would cost they all charge thirty five dollars for the same service for this one wheel but the specific shop I wanna talk about, they charge fifteen dollars I was like, that's a very good deal, so I went down there I called them I went down


I told them my issue so I told them that, I think there's an issue with my wheels, just do this for me, now the thing I'm asking them to do is completely unrelated to the issue like anyone can do regardless of having an issue they you know what they told me, they told me


go claim warranty on your wheels and I ordered the wheels online and it will take like a whole two three months to get my, warranty claim, the most bullshit answer I've ever heard they din even bother to touch the bike like I told them just take a look at it no they did not they didn't even bother to touch the goddamn


bike, like what kind of horrible service is that now you know <P2>christopher chan</P2> right, oh my god different, it's exact same shop exact same shop


ya, they're distributor ah they're distributor but


the first thing you talking about how they won't service I don't I don't understand how they don't get like, not every bike, comes with stop parts like a bike it's customized with a lot of good parts like if you're gonna, since you gonna do servicing like if you go to any cheap ass shop they will do it they will do it for you


you would expect the same service from a high end shop that's the highest end shop I've ever seen it's on the goddamn beach you would think they would be good


honestly man I think that will be the first and last experience I'll have with KH cycle like, I put I I was checking the, the reviews online and I saw my friend happened to review on it, and then I put a review on it and then my another one of my friends also put the review on it so we'll basically plummeting their reviews


from a five star shop to, uh hopefully something trash lah, they they sell so much stuff but their customer service is horrendous


cristopher bought the wheel from there and they still giving their all that they they told him they won't replace it he have to make a complete ass in or like a goddamn, whole whole ass essay telling them what exactly went wrong and only after like a wild like period of arguing then only they managed to get a reply or like a good reply from them they were saying that they will actually replace it


exactly


oh so must have like actually mess with the items, ya


oh, domestic flights in india


oh my god bro what the heck


yeah, so how's it now is it okay, oh !wah!


shipping with bike parts is a headache you know how I got my new wheels right, so you would expect wheels to me like like okay so you know the hobbs, you would expect that part to be a little bit of styrofoam just to prevent anything from happening right, my package came to my house right


and there were holes on the sides of the box, where the hubs were jutting out, and one of the ya and one of the one of the nuts, was loose , so had to use a locknut on my old wheel


so what kind of its a three hundred dollar wheel from a reputable website like good ass company you would expect good stuff to come from them right, nah this shipping was horrendous like I'm honestly lucky as hell that the wheel is working perfectly fine now


like I I thought I was honestly scared that it would be broken, but like this kind of a shipping like come on man you you you transporting something fragile you gotta you gotta be careful


ya exactly, but this one's all online and it will take like a whole month to get it all sorted out


and that that is a pain in the ass, (uh huh)


all the officials in small countries is all crooked man


what the hell, eh if not how, when you are in a okay so hospitals we talk about hospitals so, when when you're in a vulnerable position at the hospital like you expect them


to, like not treat you well but make you feel at least a little bit safe like you're not in any risk right like you are of you are in the hospital you don't wanna be in under any stress additional stress, so, now we're in hobart in tasmania, and this is beginning of COVID like we went there in march like it's not the greatest time but we already have booked tickets like screw it


so, my mom uh like she had gone for surgery like few weeks before the trip and uh it wasn't the best timing then she can but she came, , so something happened and she had to be admitted to the hospital to get like something torn one of the stitches torn she'll have to get it re-stitched


now, this hospital like even though the staff was nice and everything, it was just a state of unease considering how it was COVID and uh they were locking other states one by one so we were supposed to leave in a few days but then we all bumped our tickets up but my mom she was in the hospital she can't bump her ticket up and uh since we are tourists


they there was a very good chance they would gonna not let us leave and put us on in err, put us in err the the the quarantine for two weeks, so we are, ya is that and that and and that and we have heard that there are people given notices that how like my dad my dad my dad got a actual letter


saying that he has to go for two week quarantine uh I don't know where he got this letter from but that's what he told me is I think email or letter so we're all on edge and the hospital told us that we have to quarantine as well, they were like you're not allowed to leave none of that so my dad and mum weren't having it like we won't be weren't having it so I don't know the exact details but what happened was


we were like had okay whatever we're not dealing with this anymore, we decide uh we decide, okay, we decided to just risk it and we basically bailed from tasmania it's it's considering how it's uh tasmania to melbourne is a local flight so they don't check your passport is just ticket just ticket only so there's no way they could even track us down


so, we literally bailed the very next date and we took one of the last flights the next day they already close the borders lah then after that we Zao from australia, !wah!, like the amount of the amount of stress they put us in


like honestly, the amount of goddamn stress they put us in like you're supposed to make us feel a bit more comfortable hopefully, cause during pandemic and my mom just went through goddamn surgery in a foreign country, but now they were like, quarantine now


luckily we had luckily we had, uh like we have relatives in melbourne we were staying with so uh it was actually me my dad and my sister we left hobart first since my mom wasn't able to leave the hospital so my aunt from australia you know took a flight while we were flying to melbourne she took a flight to tasmania where they stayed for additional night and then came back


then that's when the borders close, yas ya like holy shit I don't think we yeah


ah yes


oh so it's like good and bad experience combined


a lot of companies like this ya, if they do this then they take months to reply, like I you know you know fishtail right, so the same but it should the bike I got this shop I got it from, so the bar tape has deteriorated super fast like in three days it was in horrible condition


I send them one email telling them exactly what it was and I told them I wanted a, a replacement tape no reply three days later I email them saying that this is not the type of service I expected from you guys considering how I spent one point four K they send me an email


uh saying how rude I was and how they had so much more experience and that was my fault and they told me not to demand things, and, I mark that Nah like my email was in a much, more professional much more nicer tone and I spent a thousand four hundred dollars


I literally deserve I I have the I am entitled, to being angry to be angry at them for something that just broke down in three days, so back and forth emails and they finally decided to send, a replacement tape which I have in front of me but that kind of service is horrible from a from a like a


ya it's a headache like honestly I don't think I'll ever go back there


part two positive experience, okay shel you wanna go first,


it's mainly bars you see arguments happening in, ya, okay okay not bad think ya, food has been something that I've been interested I mean not interested lah but I love food


I'm pretty sure you know that , yeah so I've had pretty good experience like everywhere is nothing nothing specific comes to mind like uh I mean like I could bring up okay so there's this shop uh below near my house, uh PS cafe so we went there for the first time


uh like ever and it's a pretty not not high end but it's it's a beach restaurant and is pretty expensive, uh the service there, super good like, uh I had like my one of my orders there was a slight issue with it


where they gave us something else uh then a like, and we had eaten a bit of it we had eaten a bit of it and we the waiters that it wasn't the correct order that we got lah, so well when we told them that they were they were completely understanding of our mistake and their mistake so they uh quickly replaced it even though we had eaten a bit of the food


so props to them no issues , uh


ya, !hey! uh you know that okay so on my birthday right I went out with everyone with my friends right we saw the post so, that bar that we went to was actually


uh you know christie, okay ya, ya so it's basically my friend's parents uh jazz bar, so when we went there, I din I din I would I would it's my birthday right and I thought that I'll be the one ordering stuff


I went there they already put up with shots and everything they put up with food and uh I I barely had to do any interaction even though one my friends had told them like a little bit they've given us extra stuff on the house, uh we were there for hours having fun


the experience there was good the wait stuff, like you order something and they'll be there it to you in in like minute like it's fast as hell, and you know how other a lot of other shops they have a rule that you can't bring outside food in, uh that did not really apply to us for this bar we have brought our own drinks in from outside we brought like a bottle and then we ended up just drinking at the table itself


so it's a pretty fun time good, (uh huh), ya a lot of discounts a lot of free stuff,


and go for mcdonalds after that, I mean you can't ,


okay so you want me to discuss about the good old stuff that I wanted to talk about, the amazing bike !wah!, so you know how I a lot of issues with my bike going to this bike shop going to that bike shop, for like three weeks straight


!wow! so you know treknology is bike shop right next to my house, it is, it is a shop that's more on the high end side like they can be expensive, so the first time I went there I have like a, I know I know I had a bad experience you know the first time they charged too much or something but that was the whole year ago


so this time I decided to give them another chance, so I went there I went there with a simple issue I just wanted to cut my fork and get something tightened, uh, other shops like I heard from my friend they will charge thirty to forty dollars doing the entire thing


but this shop for some reason they only doing for fifteen dollars so I felt okay maybe it's worth coming ah next time, so I got to know the mechanics name err we had a laugh about the pricing thing so then I came back, a week later with my wheels other new wheels


so the mechanics they knew my name from the start like I only gone there one or two times before they knew my name it was super friendly uh I went there I told them I want this design they told me oh they'll do it by tomorrow two hours later they called me and they're done already then like okay we will like do this fast for you


then, !wow! that that really was nice like it's not everyday there's like something like that I feel, so uh then afterwards my bike had even more issues, uh I ended up having to go to the shop like every single day


I remember !wah! I went there uh because I thought the issue like in my wheels but I went there I pay thirty five dollars for something to fix my wheels, uh I next day I went there and at first the issue was gone but after like two minutes of testing the bike you could feel it's the issue again they went there and the shop was closing the shop was closing down was already closing time


mechanic has washed his hands everything I brought it in a I I they were like okay we'll look at it again he looked at it on the spot he was checking on on the spot, yeah and that was intern there as well he was super friendly as well he was helping out so they ended up keeping the bike in the shop for an extra day extra day or two while they try to figure out what the issues and they decide okay you know we're going to check the entire bike for free completely free of charge since I already spend thirty five dollars


getting, exactly thirty five dollars and this is going to be free of charge, but I mean, ya doing pretty good


that is nice that, like I think I had I had something like that happened to me, like this is like a few months ago okay this is a starbucks thing, uh I was just bored on the beach so I went for a ride and I went to a Starbucks I got the


grande I had a free grande if I'm not wrong to my card then it's like you know what I'm just gonna give it to you venti for free, and !wah! that low key made my day I ain't gonna lie that low key made my day


ya exactly, (mmhmm) it's pretty nice, uh what's your experience with Decathlon have you had any nice things to them, cause I know I used to not have anything nice with them


yeah, professional bikes uh yes, yeah


just not my thing exactly


oh that's good, okay that's


ya so you know how you said earlier like our bikes a bit too good for Decathlon, ya so that that's the exact reason why used to never go to them, so I'm sure you know my bike has had a long term issue where the front side gets a little bit loose so yesterday I yesterday I didn't sleep so I went to the a very long ride with uh with warren


we ended up going to MBS then to stadium so when we were at stadium we wanted to go to the petrol park to fill up tire just when I realized that my fork was actually bruised suddenly out of the blue, so the only shop nearby was Decathlon right, so I went there normally last month lah previous experience with Decathlon is I ask them can I just borrow a spanner to adjust my wheel there like you know we have to do it and we'll charge you for it that's why I've never gone there again like for my stuff but then this one


I ask the mechanic yo can I borrow an allen key he was more than willing to lend me his allen key and you know the the stands for your bike like he was like you want to use that just use it and this is before workshop hours this is before they even open the workshop to the public so


I tried solving the issue on my own and, I honestly this has happened before and I thought that I I was pretty sure I couldn't do it, and I had a slight idea of what the issue was but I didn't know how to fix it, so after struggling for like ten fifteen minutes another mechanic called me super nice guy it's like okay I got you for free


he ended up using some mallet and some other tool that he had completely re-adjusted the front end of my bike, and it's perfect condition he told me, what exactly was wrong which no other bike shop has done yet they I just told them the issue and they tried their best they didn't tell me anything this guy super friendly free of charge and that's the thing I noticed about Decathlon like


a lot of other bike shops their professional mechanics or what not, you have a good connections there's a chance you can get it but Decathlon they are mostly hobbyists like they actually have a passion, for what they're doing and they've been doing it from a very young age I feel like


there is a very good chance that your Decathlon mechanic could be more experienced than your professional bike shops, so that that the thing yesterday that really fixed my bike like for good like I don't think I'll be having issues with that again , like being honest


, tired uh so


time consuming, ya I'm not surprised


that is that is very good actually what the heck


that's good that's good time, ya that's


that's record time honestly I've never, I like you know how our theme park in singapore RWS is nowhere close to the being as big right and I still managed to take super long, so the fact that the guy who you're with express that's pretty good that's pretty good


just just go yourself, what the heck, that is it's lucky eh okay so


I I've been okay, I've been wanting to have korean barbecue for a hella long time and I finally got the chance like three weeks ago I don't know I've been delaying it for a long time so I went to this place by #tanjong katong# it's a buffet


the food there was amazing my first thought it's like a family style is like a family style shop so, they all super casual, no hurry and, we it's my first time you think honestly it's me my sister and one of my friends like it's all of our first times having it so we honestly don't know what the hell's going on and we've had Mookata in the past where a similar style but the cooking for some reason like we expect it to be a lot faster so we a bit confused and all


when to cook how to cook everything so the the waitress the actually not the waitress is the cashier waitress everything is like the mom I would say, the wife of the the entire establishment she saw we struggled we were struggling


she literally came over to our table, she told us what's going on she put our food on the pan she started cooking for us bro, she actually started she actually started cooking for our and that wasn't just one time during the entire thing like she will come back over like every twenty minutes see how we doing seeing us struggle


and it was expensive but, expensive but honestly, the food, okay was good but I wouldn't say it justify the costs but that experience itself like the fact that, she actually was so kind helped us everything, that that just made it a whole lot better like honestly that make it a whole lot better and it's not a lot of shops that do that


fact I've never had that actually happened ,


that so you were basically a nutrition guy


ya tip tip ya


part one finance


well I haven't use it much so I mean I still use cash I keep that card at home, cause for me if I see that hard cash in my, hand I would feel like, I have a limit amount, per day but if I have a debit card I will just crazily spend like for me I believe that I don't have enough


maturity ya, about, spending and all so ya, I think hard cash with me a limited amount of cash for me is best


ya ya that's true, and there are also more benefits like you know your account like what you paid on everything everything can be recorded down there for me I have to handwrite it like the traditional way but, I mean in future I'll


ya I actually have to hand write it yeah so in future maybe, once I'm more matured enough or I believe like I can take I have more control of myself I would go for card and go full out card without any having any cash


true then what what do you think we at which age should your child be given an ATM card


I think for me will be like, it doesn't depend on the age but it depends on, how well you can control yourself or how well your parents think that you can control it so it can be a age of fourteen, or even as young as twelve or, you want as old as twenty one so it depends on your personal


well everyone has different level level of maturity, and at the age in mature so ya, it depends I mean, having no cash in having no cash and everything on your phone it's for to me I feel is much safer, cause there's more security you wouldn't have like notes flying out you wouldn't have like anyone pick pocketing you


and even if you they pick pocket your phone you still have, you still have your passcode in your phone and your other passcode to open the card, so, to me I think it's much safer to have it have it everything on one device you know


yeah I've seen those type of videos like they show how they insert the green part of the ATM into it and it has a camera inside, so I mean, that's why I think on doing online is much more safer, and and and education as well


education about credit card scams and all that it should be pretty important like, in singapore I mean singapore we don't have but in other countries like, those loan the other countries some of them don't have those type of education so they get scammed pretty often


they also have street foods and streets people selling stuff on the streets so and they they do not have, they do not have like ATM machines or those machines and they do not have like, own account some of them don't even have their bank account so the only way to do to deal with them is in cash


ya and of course there's still uh there's still uh, the fear of being pick pocketed you know


I think in five more years or six more years, in singapore there won't be any cash


I mean that time in when I was in primary school the you know we used to have that ten cents coin machine, to call our parents or somebody you have to put in ten cents, ya and, they are they actually had two options one was using their EZlink card by themselves, and or the other option was using ten cents and this was like around what five years ago six years ago


so, I guess people like kids are given EZlink card nowadays also since P one, so if there it's like a debit card for them


true even even now in secondary school mood many people they use their, EZlink card just to, buy or top up so, so they don't have to carry cash around that's the main thing


for for me also for me I tend to lose stuff very as you know I tend to lose stuff a lot so, I've lost like two credit cards ya two credit uh two debit cards one EZlink card, uh debit card one EZlink card so


and I have never lost my phone so I think I still believe I've already installed that EZlink card on my phone so whenever I take bus I, keep my EZlink card at home but I bring my phone out to tap it, because currently right now that for EZlink, I think the only use for EZlink card is the bus and public transport


so ya or else I have hard cash or, , at some rare occasion I will bring my debit card when it's like for driving license when I'll have to pay then only I will bring my debit card or credit card


it it was just a saving account, so I didn't apply for any card that it was just a saving account so if I every month my dad or the amount the amount of money I have I will just, add it into the bank so it's like a saving account savings account, so I'll still have to


so I had to convert it into a normal account to use it, do I've to gain authorisation from my parents, once I turned sixteen, so ya, but I think I still believe that I mean having cash is carrying cash is more fun


you can have the feel of the cash ya, I would if I mean, if you are paying something like around what, thousand dollars you would rather just like give hard cash instead of, doing all these transactions


it makes you feel rich to be honest it makes me feel rich , ya it's it's, true it's it's like it


looks good to you know, like ya too thick, not too thick but just the right amount ya just the right amount, , they they have also invented those they have also invented those type of wallets which only carries card


the the, those thin wallets, I think, ah but I have a feeling that in the future like, , it's gonna be cashless there won't be such thing as cash, ya


ya people people are already changing so, let's see let's hope, , then what what do you think about joint account, I mean would would you would you have a joint account with your girlfriend


I guess I would for me when I've a joint account of obviously I would just go for my wife when I'm, married in future cause I think having girlfriend ah, I think girlfriend or, long term relationship I still think it can be shaky because you never know anything can happen uh once you're married there's this


, trust which is being built which is pretty hard to be broken, so ya I think is much but I mean joint account has a lot of how to say, advantages you know like if anything happens to your wife or


she needs to withdraw the amount or is like some circumstances you can't withdraw the amount, she can withdraw it for you or, and also if I have more more money in in the bank you can have more interest rate, the turnout will be much much more, so


but it's there's obviously a risk risk factor you know cause if your your girlfriend turns out to be a traitor or something she can just take away the money and run away you never know I mean I've seen those kind of instances on news


I mean you never know you know to


I mean, a lot a lot of people are doing investment you know like our age people like you know all those forex trading stock markets also but, it depends right it's like on I mean starting a business at this age is also pretty how to say pretty safe cause if anything happens


your parents are still there to back you up you know there's the risk factor isn't as high, so ya I think at this age if you start a business or you start trading there's still this , backup plan which you have, so I think you should start


is currently on stalled also we will see how how long it takes, because this COVID due to this COVID I can't export or import anything you know


and the price is also pretty high, so ya we gotta wait for awhile, would would you take a car loan, ya car loan or study loan you know


ya true I mean just in medical right for five years they are paying more than what eighty k


just even even if you are singaporean is pretty expensive


ya of course it is


I mean I to me I think like, wherever like if I take a student loan I'll be mostly to going overseas you know cause in singapore in singapore like as singaporeans we don't have to pay much and even if we have to pay like if it's a higher amount the higher amount can be only what twenty K


which you can pay off in like two years, or you want you can ya two three years if you have a if you have a good job if you have a good job but, mostly after after graduating from uni you would have a good job, if you do well and


you'll always have your you'll always have your parents to back you up if nothing if everything is good so ya


ya that's that's pretty common that's very common in singapore like you know the scholarships even those those NUS scholarship, like all those you have to work in medical scholarship you have to work in singapore for like good three years four years, so and then you can you can go overseas so it's a pretty is I mean to me I think it'll be a risk


cause, sometimes I don't intend to just work in singapore you know, I'll I'll want to go to overseas work overseas with different people learn more, so ya, but I mean having a bond having a bond it reduces, the risk at the start


cause you know you've you've you're gonna secure a job in the end no matter what, but I think later


I mean you would you'd to be honest to be honest you'll be only you'll only think of, bond if you are doing really bad you know, if, so ya yes take on the job I mean to me if I was in that situation I would be, I think I'll be pretty decent ya


well I think I wouldn't at at this age I wouldn't just like, , don't care about my studies cause, it's pretty important and this age it's it's our age you study right now you know if you don't study now you're gonna suffer later


so I think if you suffer right now study a bit hard, I think in the future will be pretty relax for you


I think it will also talk it also talks about contacts you know, cause, I mean I've a I have a cousin she she graduate from SMU which is not local university in singapore, a london university so and she still got a really good job cause of a contactor her best friends that works in the company as a it's a really high post CEO or something so she got a job


so is pretty lucky I think contacts does help sometimes, and then personally, ya personally for me also I got I got an internship in year one, which I'm not supposed to but I still got internship, and, of course I wasn't paid but I mean I could learn a lot it helped me with my year two a lot


yeah, and is it it's it's it's a good exposure as well as it's , my resume increases on my resume a lot, so it makes me stands out from other people in my course


I I tried to find a job this year I ask my company but it's a again it's a civil engineering company so everything construction will stop, so I couldn't I couldn't go back cause nothing is nothing in construction like private industry there's nothing on, in construction so


of course but it will stay ya it will still take some time to, so what do you think of


like if you have a child at what age will you will you give your child a your ATM card


part three negative experience


your first brand new bike ya


yup I've heard about it, he he had he had a really bad relationship with the K which a cycling shop opposite, her name I think, to be honest that shop also I've I've had a very bad experience so you know my side my they sell


so the cycle I have right now is a company of scott and they are specialize in scott so what happened was I went there once and I want to get this part is called the is a type of gears it's one of the scott gears so I went there and I show them my bike so they were like oh it's a pretty old bike


and I was like can you can you get it serviced so I thought that they would give me some discount or something cause is is is uh is a bike which was which you are specialized in ya they are the distributor true so I went there, and


the first thing I went in I was like I uh can can I get the servicing for this bike they will like yes sure then I showed them the whole bike they told me that uh they won't service my bike cause it's a bit, cause I use uh third party's uh gears


so I was like what do you mean, then they were like no we only will only service, scott's uh stuffed scott's parts, then I was like, what do you mean by scott's part uh all of this the whole bikes I have still third party I haven't hadn't changed anything from the bike so I


so I think I knew I felt uh I knew that, they didn't want to service my bike cause it was very old and, of course it was it had a lot of wear and tear too so then I went I went on I just look around their bikes and they ask me to leave the shop


I was like why I'm just I'm just looking around so to me I felt that it was pretty rude and, ya I gave them a really bad comment on google, so, it was a very bad experience for me it was very bad


ya true, and okay the the the thing which made me go to their shop is like right beside my house so I mean having having a short ride beside your house and it's cheap if it's cheap and it's good


like you obviously go for it but I had a very bad first experience with them they they wouldn't even listen to me and they will just told they just told me to go out so never been to the shop


true I think they would, they would only give you the the type of decency if you buy something from them or


you pay


there was also once in two thousand ten two thousand very long back, so my mum went to US and that time kindle kindle was a new brand you know the the book the virtual book ya so I was pretty excited for it so my mum told me that she bought a kindle for me so I was pretty excited so what I did was so I waited waited so my mom was coming back from US then when she came back


when we open the bag the kindle blasted, so the whole the whole display popped up, so, ya it was it was pretty heartbreaking of course cause it was a new thing my mum bought it it wasn't cheap it was like around one thirty USD that time


it was already pretty expensive so we had warranty but, it was all the way in US, so we wouldn't be traveling back to US just for to get the new piece right ya so I think it was a waste of money but


we still don't know the problem the problem which I thought was is someone might have, like in the customs or something someone might have opened it that's what I thought cause my my mum's bag was also torn, yeah


this this ya this happened to me when I was going overseas so what I did was my uncle like in in india my uncle he wanted a bike a good road bike so what happened was, we bought a bike here we dismantled it it was a pretty good road bike not not cheap pretty pretty good around two K three K so we packed everything perfectly we put styrofoams all the gears were in like good uh good box with safety and everything and the most important thing is the frame and it was a carbon fiber frame so pretty brittle


ya so what happened we went into the flight, so from oil here to, india we first went to bangalore it was an okay flight we put fragile stickers the guy was like we will we will take care of bike we know how brittle is it so I'd assurance then from


bangalore we took we took a domestic flight to my hometown, so that was a hassle no but but the thing is, domestic airports are pretty small so you can see how the people are handling with your stuff and they're putting in into the escalator


so what happened was we were we were we were coming down our flight still boarding it, we came down and I could see our our luggage going around the escalator so they're the people down there the workers down there they were putting it into the so then I saw my tire at first first my tire came up and they literally threw it like a frisbee


and I was like, I was like oh shit then I okay I didn't have I I actually felt like shouting but I was very far away so then I walked towards them my second time came up, and they threw it as frisbee, then I saw my my frame coming down


and, when the guy touched my frame I shouted really loud I was like bro, you gotta put it properly if it breaks you're you're not gonna do anything cause the maximum amount you all can pay back it's just ten thousand that's all, and this thing cause like more than ten thousand yeah it cost like around


it costs way way ten times more than it, so, I had a very bad experience luckily if I if I got I've a feeling that dude this thing would break if I wasn't there cause they were literally throwing it like a frisbee, ya it's all good is ya is still in india and it's pretty it's a actually pretty good right now


so ya, it's a it's a headache ya


to be honest if if this thing happens right it won't cause we're shipping it from overseas you know, you can't do much about it he just kind of fight with emails you know if it's if it's singapore you can go down to the shop you can request them, you reprimand them you can talk face to face so that's where the best communication happens


so true, so there's once also, there was once uh we went to bali from singapore so me, my my parents and my grandma grandad


so my grandpa and grand my grandpa and grandma had uh indian passports, while we had uh singaporean passports but the indian passport they needed visa, and we have everything we had all the documents all of these my grand my grandma my grand granddad had documents visas and everything so we went there


we went we took a boat, we took a boat ya from Bali so, we went then they check our passports so me my family was we're okay we had singaporean passport but once they saw the indian passport


they tried to find the fault, cause it was my grandpa it was my grandparents so, they would they would attack the vulnerable so, luckily that time we had some contacts in Bali uh pretty high official, my my my father's friends colleague so he let us through


so and he found that those people were trying to scam us they were literate they were airport they were boat officials too, so ya and, so ya so what we wasted we wasted good two to three hours


just because of that and we and we had to reach at five PM but we reached at eight PM and we ate our dinner at ten PM, ya so it took up a lot of our time


(uh huh)


they they were they were they were planning that time they were planning to call back all the tourists from overseas you know


it'll be more it'll be pretty much disturbing to cause australia is a country which you all are you guys are tourists there


oh that was a lucky call, so you know there's, there was once so there were, I had to buy a new phone cause my my phone was in a really bad state, so what happened was I went so wait sorry it wasn't a phone but I had to buy a new laptop cause my laptop was pretty old


ya, so what happen was uh, I actually had my savings and I ordered this this uh laptop a microsoft surface book, and I mean it was a bit expensive but I think it's a worth it for my course and what I like to do like editing is a pretty good laptop and it was one of the premium laptops and also had pretty good features I love that laptop


so I ordered it so it was like around what two thousand plus is a very expensive laptop I ordered it and they told me it will be it will be down they will bring it to singapore in two weeks cause it was coming from US, so I waited and when it when it came when it came


and I just unboxed it the screen was already cracked, and, and I was like one of the first I could easily said I was one of your first hundred buyers of that particular laptop cause it just once it release after five minutes I ordered it


so what happened was the laptop screen was cracked so, and the and they told me that they'll refund me the money but I was like my school is starting in two weeks I can't afford to buy a I can't order it again and wait for another two weeks


so what they did was they I gave them back my laptop but you know if they refund they they won't refund me the the the full money they will they will like cut seven per cent off or something cause of the GST, so ya


I give they they took back the laptop that day itself and then I wrote them I wrote them an email I use my own savings to buy the money and all that and to buy the laptop and everything, so then I got an email back from them, so they were like we are actually sorry we we gave you a defective piece and for your studies we will be sending you two free laptops


okay so ya, yeah I mean it worse but I mean you wouldn't have a, new laptop a laptop which just came in, to, be cracked as the screen having crack so it's a bit disheartening order I mean


I had to write them around three to four ah emails then I got a reply from them, so I think to be honest the customer service in in US for microsoft was pretty bad I had a lot of problems with them, I have, I I bought a


last time I had a microsoft laptop one the first one and they had a problem they have issue of the screen cracking cause of their design flaw, so there were a lot of there were a lot of threads on reddit and as well as also a lot of complaints but they still didn't give any uh refunds


so ya and even if I went went there they will just ignore me down there I will just take the ticket they will just be like you guys can write an email to the main office and main office is all the way in the US ya they will just shift their problems


part two positive experience, I mean for me food and beverage eh I think


wherever I go I have I I have a very positive experience cause for me I've I've a very strict diet, I'm allergic to a lot of stuff like roots so, I've always ask even if I go nando's or different type of restaurants in singapore I have to ask them if this contains


this uh garlic or, eggs for instance they would always give me a very good or positive answer I think in singapore all the restaurants are pretty good, and you will find a very positive experience cause that's what singapore is famous for one of the stuff food so they have to maintain that level of decency


I mean in very rare occasions you would find people like arguing in restaurants I think food court sometimes but not very regularly so ya, a lot of uh


ya cause some of them are always tipsy or they're always drunk so ya, true everyone does


I think it also happen to me once you know so in dempsey hill there's this restaurant called margaritas it's uh it is a mexican restaurant ya it's mexican restaurant so that time what happened was we went for my dad's birthday so we went there and we ask them like what can we eat we we've told them our specifications and


they said that tell us anything we will make it for you so we are actually pretty shocked so anything from the menu they will make it for us from scratch, so obviously it was pretty epic and the service the guy the waiter down there was also pretty willing to serve us, so I mean once they have that kind of energy it's fun for us to eat or what also you wouldn't have that like


ya so the environment down there was pretty chilling and it was the areas have a very good vibe


ya one of your friends' parents what right ya


I mean again speaking once once you have contacts right it won't it it affects this kind of restaurant you can it's pretty convenient for you, ya, there there was once in uh so you know in couple of years ago so me and few of our secondary school mates uh we went to bounce


so ya it it just open and we went there first time and we went there but we didn't have the we had ankle socks, so that ya it was a different company socks or what no what happened was what happened was the guys down there actually we weren't allowed but


we saw this guy and he was one of our senior, so what he did was he just gave us those those like what ten dollars worth of socks, cause apparently they've extra or something so we had we we had the correct socks but if it's just different company and they didn't allow


so yeah it was pretty cool, and we save like more than twenty bucks in total


I mean ya true I can have an ice cream down there but, even even in education you know like, !choy! we we had the best o level sec four teacher to be honest, we did ya you know even the like public servants of singapore your school teachers they are really kind and they will put their they will give their best efforts to


for for me also I've experienced something like that you know so there was once , we went to Starbucks and me and my sister we went to Starbucks and we want to get a drink, so we bought the we bought the second largest one


which is I think is it venti, ya it's a it's a grande ya it's a grande so we we ordered that first but then, my dad call me and he was like he also wants a drink and we were actually really full we didn't want to drink much so we told the cashier that can we change it to venti and


and she already had written our name on the cup and she was, she was really we already paid for the money, so what she did was she just change the cup she was like it's aright lah I will just give it to you, so I mean, ya ya free of charge she just changed she just throw away the cup she just had a bigger cup that's all


I mean that that that's pretty cool you know if someone helps you like that where you yourself will feel like you want help someone too so it keeps on its like a domino effect you know


Decathlon I okay so, cause to be honest right, Decathlon I mainly if I go Decathlon is mainly for bikes for cycle stuff but I think, I Decathlon cycle centers are pretty low


is not as high as what we have as our cycle cause we we have yeah so we don't go if Decathlon much but if I go I would just go to I think buy a skate board if I'm starting out something new so, I have a lot of friends who asked me do you want to start cycling so but


and, I told them that you should buy a bike, and currently in the market right now, apart from the between the the ones with Decathlon sells there is no other bike which is around what four hundred five hundred six hundred nothing there's only those very cheap and not good quality bikes for two hundred and then it jumps up to seven hundred


so Decathlon has that middle range bikes, and the good thing about Decathlon is like once you buy the bike from there they will give you one servicing free, so you can come back and service yep I mean, they just start late like two three months ago and also the servicing down there if you have a Decathlon bike their company's bike it's pretty cheap


so they offer really good service too but if you buy their bike


oh that's pretty good


so for for me for me what happened was uh it was at the theme park so, we were in the we were in the US, and, we went to this so the universal studios in orlando is huge, it's huge cause they have a lot of theme parks they have around close to ten to fifteen theme parks in the island itself so we went there we will uh we will ya that's a lot it's very big so we went there for seven days


and we were planning to just experience seven seven of the theme parks which were the main theme parks so which is your really weird time constraint so we had to finish all the rides in a day, which is actually pretty, how to say pretty


hard yeah it's hard weird it's time consuming of course you have to like cause the queues down there are pretty long like go to goes to from an hour to almost three hours for just the ride so so so once what happened was uh, it was a bad they had the bad weather that day was raining so what happened was we were in a ride you know the name of the ride was hulk


so we went out we sat in the into the roller coaster and then the lightning like that came out, I mean for us okay for us as tourists, if there's rain you kind of missed out a lot right cause I mean we won't be coming back there again


so what happened was uh we actually asked the guy if we can get express rides, express express tickets cause we are not gonna come back again, so what he did was he brought us to a site, he told us that uh take this pass


go to any ride for the day any ride for the day you have express so all the rides all the rides we had express you know even the best ride we had the express pass


ya so so so, in so instead of, so instead of having, instead of spending like close to five hours in the queue, we literally finish the whole theme park under six hours, and each of and the theme park had ya


and the theme park was like what twenty minute uh had about twenty to twenty five rides, non-including, not not including not including the shows you know, was a really good experience I still remember that guy's name


ya is nowhere close, ya you know I mean I think he he also felt he he was like you guys are tourists you won't be coming here again so, he he just gave us a express pass and we we


we came back we usually come back home at what eight PM nine PM really tired there were also a day where we didn't even have dinner we're so tired we just slept and had to wake up like seven AM to go to the theme park, so, that day we reached home at seven PM we had dinner we were still pretty full then we went around the city of orlando florida


and have a look around, so ya it was it was really it was pretty good experience with that that that they are still I still remember it now you know, we just have used, we he just gave us the express pass which costs around like hundred plus, USD


and it was lucky


ya that's pretty good


they're just great I mean for for me okay so you know I play cricket and I had the chance to and I started playing cricket pretty late but I had a chance to play for the national team so what happened was uh so how did I so I'm talking about how did I get the chance so I was playing for saint pats and I started in then


I I, I concentrated on cricket I I train hard for it there was once uh they started off this academy in our school, so me being the captain they called us they called all of us and they give us free spot they give few of us free sponsorship


for just three months so I went every day to the training the coach notice me, and, he actually extended my sponsorship by six months, so for nine months I was training under them and I was playing matches for the various also pretty good cause


for free I'm training I'm training it for free and, it was pretty good having sponsorship so it feels good to me, so then what happened was, the time uh he was training me and we were having a competition, uh


a competition where they're gonna bring us to, uh malaysia to play against, asean countries asian countries, so ya he knew that I needed some help cause I was I was coming back after a long time, cause of O levels didn't play for much so what he did was he actually catered special training for just for me


so he concentrated solely on me he asked me to do that to do this to do that and his literally he sent me charts, of what to eat what type of food to eat for this many would for these many days, so he was like my ya


so he was literally everything for me he will tell me to wake up at six AM he would call me to wake up go for a run then he'll ask me to go back to school train, and he'll literally throw the ball to me and I would head it back, so it was a pretty good experience I think that that you wouldn't find this kind of people


for you especially in singapore where this sport this sport isn't very fit very common, so it was a very one time experience ya


savings account, okay, err I do have a savings account, but then it's not really a savings account because I withdraw from it,


uh if the, what's that uh save as you earn from POSB, you heard about that before, for DBS multiplier [orh] save as you earn basically


like uh every month, you just uh credit, like as as much as you want lah, but I think minimum fifty ah, minimum fifty then as much as you want, then like you can earn


two-per cent per annnum, and then uh, if let's say you never withdraw for one full year you get additional two-per cent per annum so it's like four-per cent, uh interest ya, that that's not bad lah but


the thing is I keep withdrawing for that so I didn't get my, uh extra two-per cent, cause I started this uh during NS, ah, uh I do I do actually like the uh current account


but most of the time, I keep my money inside my drawer, like, you know it like you see you got money then you'll tend to spend, ya if I put if I put in my drawer


I put in like uh a small zip lock bag, then I just I just like throw it throw whatever I could save inside then, just leave it there that's my savings uh so kay uh


now my turn to ask you ah, do you have a savings account


oh so you only have one account


does your parents never start for you a


[orh] insurance those uh investment, thing ah okay or not, there's a different, that's different from a savings account I guess


I don't own a credit card, because uh I think uh, costs outweigh the benefit ah I mean like you see credit cards, uh what


uh campaign flyer miles lah, campaign rebates lah but, I think is not enough, because you know like credit cards were, uh annual membership, uh fee right, then like I at first like oh kay they waive


they waive like one year for you, but I think, ya I think credit card is a no no for me , but I do have a debit card lah, uh, I have the SAFRA debit card, you know in NS


they ask you to sign up for SAFRA then you get the debit card I think that one is quite good leh


a bit wasted though because uh they have this thing call uh SAFRA dollars, so like every, a small percentage of every time you spend uh by like, be waived or, all the contactless transaction and the like


mastercard transaction you get like, few dollars back lah then, ah ya then like uh if you collected enough then you can like, just take the whatever you collected then, that money


is real money will go back to your bank account, ah it's quite good lah then also got your, got your what, uh


the SAFRA benefits ah, oh ya maybe cause


you don't have the DBS card lah


but there's student student credit cards ah, you never try it ah, frank by OCBC I think is one of it


should combine their finances and open a joint account


make sense cause like, they're, bank joint account would have like the money of two people, so like, I think the bank will, benefit from that and then in return they give you, better benefit also


but but I think it it it can benefit for like, let's say one partner is like, uh spend-savvy the other one not so, then like, the other one can keep keep the other one in check


oh ya ya ya correct correct


other than partners also like those you know those parents who, to control the, the child's account can see what the child's sending


I think I still don't have yet, I I think like, after I get my IC, like uh fifteen sixteen ya ya cause ah, you need the IC or or something


to apply for a card


I think what we're talking about is, overlapping with question five, at what age should a child be given an ATM card, kay uh we missed question four though uh, do you have a high yield bank account


these are no right, ya it's a, fixed fixed deposit, ya, I don't have a fixed deposit


I mean, technically the save as you earn account can be, consider a fixed deposit


ya and then like uh the, the amount you credit into the that account is, you can change one, so it's not exactly fixed deposit lah


DBS multiplier what do you is it considered as, fixed deposit ah and the, take OCBC three-sixty is it, I believe ah


OCBC three-sixty is one of it, but I'm not sure about the, the benefits like I know DBS multiplier, if let's say you have, okay you credit your salary that is like, one multiplier then uh


the second thing is let's say you pay your bills, that is the second multiplier then you pay your insurance is another multiplier, ya, ah you you'll rack up your interest rates, but


I think recently they because of, the COVID situation they had to reduce, the interest rate, like they capped they capped the interest rate at a certain percent lah if I remember correctly then like people like uh


uh there was an uproar about it


like a long term savings account oh


five and six


I think the same age where I got it also


I think now now then tech-savvy lah, it's like, it's like too easy to spend your money , you get what I mean, like you can you can just like bring your phone then you'll


what is your experience of purchasing investment products, if you have such experience share the details, !huh!, have you heard about ETF


your parents got buy lah


do you know what they invest in


does that mean the he invest in stocks


for this one I only know the, I don't know if you saw the advertisement before, uh DBS got this thing called invest-saver ah, so it's like an account


then basically you just like put in money, uh let's say like a fifty or hundred if I'm not wrong, uh then they take that money, then they invest in, those uh


unit trust or ETF I believe, I don't know if you saw the advertisement uh about durians ah, ya so basically like uh kay if you have this, durian sometimes durian cost high sometimes durian cost low


so basically what they do is like ah, a the durian is just a an analogy, so basically they take your money, uh let's say hundred a month, then they see uh okay if this durian is like, uh selling for a low price they buy for you that durian


and then err let's say if at that point of time the durian is like uh is above the, the, price that they usually see then they will help to sell that durian for you


ETF is in a nutshell lah, like if, you get one unit at a low price then you sell at a high price, like, buy low sell high, thing ah


part three negative experience, yes I believe I think, most of this going to be food experience


I don't know ah there's there is so many, negative like, negative experiences with food ah, I don't know why ah maybe cause like, food is so important is a is an essential


uh that time, uh I went to noosh you remember, uh, you know where is noosh right the, at esplanade there, oh ya ya we went there before, the when I went there with my girlfriend


uh I think it was like they're, they quite they open quite recent when we went there, I think like few weeks, for few weeks ya so we when we went there like the restaurant like


quite new lah there was some hype around it, ya quite happening they they like uh !wah!, they had like, a ramen or something they had, the Sriracha wings with cheese, like like the one we had at at what's that uh Teruk lah


the the the the chicken coated in sauce then like in with wrap in cheese what's that place called in malaysia, what, ah curry fried curry fried ya, then like, there there there there was some hype about it lah, so I went there


uh didn't had any reservation, so had to wait a bit so it's okay lah wait a bit , I think we waited about, ten fifteen minutes, so it's okay lah ten fifteen minutes I think it's quite reasonable to, to


uh to wait for a table given like, uh I think there was a sizeable crowd ah, ah we got to the table


we got that our table already, then uh, order we look at the menu, we, actually we already look at the menu while waiting for the table lah, but we just look again then we order


ah, after we order that's where, hell, breaks loose , the, I think we didn't get our sides uh as in our starters uh we order the


the wings thing, the wings covered in cheese, I think we didn't get it for, another thirty minutes, so we waited thirty minutes just for starters, and then the, the the best part we also were still waiting for our drinks


, so we got our wings already but there's no there's no drinks, I think uh we didn't order anything complicated, right, I believe, my girlfriend ordered, the butter beer, drink ah


then err, I ordered some like, some lemon tea probably, ya if I can remember recall correctly lah, this was like I think two years ago or three years ago can't remember ya anyway


uh we got our first with first starter, then uh we asked for our drinks, then the , the the server just straight out like, say oh uh there's nobody working at the bar


then like what uh so, that was the point of us ordering if there's nobody working at the bar, as in not like a bar bar but like a drinks bar lah, ya


ya basically don't want to make me drinks then we turn, and then like eh yes ah, there's no there's nobody who making drinks, I that, there was somebody at the drinks bar but, that guy like uh, like rotating with casher and the drinks bar but he's just making the simple drinks


then like oh okay then like, err she went away, we didn't get to ask her then like what what's going to happen to our drinks, then, after that like I a bit confused lah, like


we haven't get our food as in our mains we haven't get our drinks so like what's next, I ordered the, the ramen uh, the in the picture looks nice ah, like, oh got a lot of meat


like the noodles a lot of noodles, ya deceived it's it's always a deceiving picture, ah then uh what's that


uh I think forty-five minutes in, already getting inpatient, then like uh I asked the person where's the where's our food where's our drinks he said oh okay, the the drinks bar are


is being manned already then okay lah, some glimmer of hope, that but then the food they never answer so like I don't know what's going on lah then, one hour later then we get our drinks


then we already like uh to the point like okay lah I think we already, lazy want to entertain this then we tell the waiter like oh uh, is the food coming if not we just make a move ah


then the waiter said eh no no no no uh the food is coming the food coming okay, then, being the sucker that we are we just wait


so all in all we didn't get our food one hour and fifteen minutes later, ya, or approximate lah approximate, and then my ramen, is basically a glorified instant noodle


just like faking, no presentation just like soup, and noodle and, like, no garnishes or whatever, then, uh I forgot what my girlfriend order I think is the


I, I don't know what's the, uh I don't know what my girlfriend order ah, forget already, but basically we wait one hour fifteen minutes for the food


we from not hungry to become damn hungry and damn angsty, ya like


that's why and if when you lose the mood the other person also affected ya, ya ya then I, !wah! I don't know what I did to get back at them, at err they didn't


they didn't had like any form of service recovery also I just remember paying in full for everything, then like, uh okay ah, I we not going to come back to this, to this like, I don't know what this place is it's just it's just horrible lah


ah ya ya I, okay I left a bad review I just added a one star review on facebook, I wrote like damn long then like uh


after like a few days then I see oh, I've got like a few likes and then like, uh I got a few people like agreeing with me, then like, [orh] okay so it's not it's not just me lah, ya so uh but then


the thing is uh I think like few weeks later when I went to see the noosh review they remove their own review their review page I, I don't I didn't know like facebook had this option but basically, what they did was uh


they don't allow people to see review of their page, either that or I got blacklisted or what I don't know, ya


ah ya last week we went, ya and, ya it's quite empty, then we got our food fast also, and then the guy joke with us if I remember correctly


ah, ya the food wasn't exactly, ah yes and then the portion like remember that uh, our friend had the


the I think it was it, was it like a bowl of pasta or something then it came in the damn huge bowl, that damn bite, but by the end of it you couldn't finish also


it's too greasy, yes let's talk about your negative experience


oh like a like a shophouse lah


eight or one for each person ah


how how long did you guys wait


[orh] you guys didn't like uh say, say oh you got the order wrong, or just too hungry already


it's a different item is it or was it the same item that you guys ordered but just different price


[orh] so, this is a scam


business ya especially for F&B


!wah! on the the the price that you guys saw lah as in the


pay as in the the the price that you, oh, !wah! scammers ya


on the google review was there good ratings, maybe it's fake reviews ah


they were scammers


the waiter was he like, as in when he take your order, was he like okay, like nothing shady about him


maybe he also don't know that, the the boss like put the, price menu like this


okay lah but in singapore, there's still like, there's still some problems with the F&B here also ah


okay part two, positive experience, okay Prabi I know you want to talk about your


advante , (uh huh)


you driving to camp, with your , uh PT PT attire ah, , then your water bottle at the back


sentimental value, a lot of cross border trips ah yes


of course you don't even eat inside your car I believe , or do you no right, ya you don't if you don't even smoke inside your car also


with the car or the dealer


so he you can say he quite


you will have sold, privately is it


you need to settle everything yourself lah


sort of a an agent, a car agent is like


like whatever queries they have


have you decided


you would purchase from the same dealer is it, the same dealer that you, that you sold your car to


kay should I talk about my experience, I, [orh] actually got like, a few stuffy mind, but then I


I was thinking about food actually, then I realised ah it was a it it was a negative experience so I think I save it for the next topic, positive , I think food is quite common to negative experience ah


uh I think the phone uh I'm I'm, I going to talk about a product , a phone specifically, which is my phone okay not not my current phone ya one plus not my current phone but


like the whole, one plus brand ah, I think I think it's like, I mean I used to use Iphone, I, I used to own a, Iphone three G S ah


you also ya the old school fat one I used that, in like my first year poly, then, then after that I used Iphone five, uh but before Iphone five I used uh galaxy note


uh that one that one damn big for its time ya, ah, I remember I couldn't fit like, I couldn't fit it in my pocket I have to put in my, school bag ya no no, I don't dare to put in my back pocket I tell you


I confirm forget then just sit down then like, break the ya lah, I remember my brother that time, he ride he ride bike, then he put his phone in his back pocket


it was a sony-ericsson, you remember sony-ericsson time, ya he he put he put at the back, then the the phone like, just like flat out in bend bend at the at the halfway mark


I like what, how can you forget the cell phone, your phone over there, ya that kay, then after my Iphone five, I think I used a


what is it ah S three ah, S three is like the pebble shape ah, was it S three ya S three, S three was a pebble shape, I think I used that like uh when was it ah S three


second year poly ah, second year poly oh, last year of poly then I used Iphone five, cause I remember my friend sold it to me, because, my experience with Samsung phone every time I get


has not been good, like, I don't know if you [orh] last time you use Iphone all the way ah


I think all my phone are, hand me downs but then they are like just like, one year one-year-old two-year-old, but this Samsung ah this Samsung, even though it's like one year old only, after I get it then like few months suddenly like


err they they had this problem that where, the phone will just like infinite loop, ah ya basically like uh you will turn on then Samsung logo come out then you turn on again Samsung logo then keep booting keep booting until your battery die


then like basically, if you want to repair you might as well get a new phone lah, and then uh after that, uh during NS during NS then I switched to one-plus


at first I don't know what, kind of brand this is I thought it's like some, uh, US brand or something, because when I first had it it's like, the the the, the UI is way different from like normal android ah


it's like very minimal, very minimal, I think my first oneplus was a oneplus X, ah ya oneplus X it's like, it's like a square shape, uh candy bar then behind got like a


a glass back lah I think it's quite nice that, that phone lasted basically throughout my NS life, oh, no uh almost throughout my NS life, I I even brought it to outfield sometimes you know


ya, I put inside ziplock lah of course, but, I bring to outfield just for fun only lah just like, like for those, uh more on the park outfield like you know like go


uh go combat shoot or what, or go like a recce, go recce ya, ya ya, ya looking of fields, that phone


uh I forgot how old was it prior, it's a second hand phone, but basically it lasted like for another one and a half years with me, and it's still like it's still going strong, I still have it here I don't know if you can see


can you see ya ya then uh, think I quite impressed ah with this phone, like, this phone not say the most powerful but it's like the most, reliable you know


then after that I introduce it to my girlfriend, then she like, oh like good ah, then she she went ahead to buy the oneplus five, which is like, ya she also made the switch I think oneplus five was a twenty sixteen or twenty seventeen phone


when I see it !wah! it's damn good you know, for its time ah for its time lor, , she was using uh S four, her S four also had the same problem although I think, like a lot of Samsung, Samsung just problem with that


uh, that boot loop feature ah, the exploding battery sure


ya ya, so basically I think uh like three quarters of the way through NS then I switched to oneplus five, this one this phone I dare to bring to like, more more high key outfield lah I think that time I brought to


uh that time we had, like ah a practice for atec ah, so we had to dig a shell scrape there I just put inside uh, put inside ziploc, put inside ziploc then like it been all


all the vigorous movement all it's still surviving now actually I actually using it as my webcam, can you believe it ya this phone ya ya this phone, I think three years old already


and it's still ya still going strong, I think I intend to use it as my backup phone lah, the, I think for me is the UI ah


there's a lot of customisability like, you can change the app icon all, the thing the thing about Samsung android I think like


there's a lot of unnecessary apps, a lot of bloatware ah like that one like, take up a bit of space ah, I think like some sorry isn't that much ah


okay lah for some maybe is not that disturbing, for me like I think like, uh as much as possible I don't want any bloatware, so like, I think the only bloatware with the, with the oneplus


is the uh, they have this uh oneplus switch at that you cannot uninstall, that, oneplus switch also is just like, let's say you were to would switch to another oneplus phone, ah ya just to make it easier


ya ya ya like tonnes of application, so basically other than that I think there's no other bloatware, until, I changed my phone recently, the oneplus eight ah, oneplus eight pro


then they they were talking about, but this bloatware is different, the, the bloatware they install is uh, google services, eh no not google services facebook services


so like, if you've never installed facebook, but somehow, uh there's already facebook services inside so it's a bit sketchy ah, in a way ya so like like, I haven't install facebook why is facebook


uh it's already pre-installed in my phone


I think oneplus has come aloud along way, ah ya for oneplus X


the basically the they're the first the first few oneplus oneplus-es ah ya yes correct eh time is up eh okay hello can can can okay


part one finance, okay so , uh okay can so I ask you the question lah Hisham okay so Sham do you have a savings account and if so ya with which bank


no I never heard about that I heard about the multiplier account and all that but ya


oh so you don't have like another account for your expenses and all these lah


ya ya, but then you you are visual visually seeing the money in your drawer so wouldn't it make you like you wanted tempted to spend


ah okay okay


okay, for myself I have a uh I think a regular a regular account with OCBC ah


if I'm not wrong ya then it doesn't the interest rates are pretty low lah so because now I'm currently also not earning a regular income also, so I don't have a uh an account which I I don't have a specific account where I can grow my interest and my money and all that


so I just have a just a basic account where I just store my money in the in in in the bank ah so that's where I just so that's so-called my savings and also how I uh how I use my how I uh withdraw and spend my money


ya I only have one account so like maybe in the future I will once I have a, full-time position somewhere then I will think about getting a a savings account and and further lah


my parents they they started saving in a way they started saving for me in a different different way lah I would say not no in


terms of not in terms of savings account but in terms of uh, insurance ya insurance, ya, ya those those savings insurance


ya this is different lah, so do you do you do you own a credit card or a debit card


ya ya


ah I see, ya ya, that one is for I think DBS and POSB account holders only ah like for me I sign up for SAFRA sign up for SAFRA membership I didn't have the the card cause I'm OCBC


oh something like a cashback ah


oh ya I always receive emails about the SAFRA benefits and all that but I never I've never heard of the, what was it the SAFRA dollars also maybe you missed it lah


ya I guess so ya anyway for me also I only have the normal, normal debit card from OCBC because I'm not I'm not working so I can't apply for credit card also but I I think credit card


, I think for OCBC I haven't come across any if I'm not wrong I think I must, I I have a frank that one but it's a debit card I have a frank card but it's a debit card I ya like for me I think credit card is uh is like


a uh it it's a good thing and also a bad thing ah it's a, it's like if you will know how to properly manage your finances, you can it can be useful to you lah it can it can be useful to you but if you don't then you end up spending a lot and then at the end of the month you die ah


, I think


I think uh I think some of the banks actually offer higher interest rates if you have a joint account with your spouse ah if I'm not wrong


ya because I think if I'm not wrong certain banks


they they it like you have to to join, as in to to, what's that called, to cardholders to cardholders, ya


so sometimes they take some of them they will minus off your uh your expenses and then take that amount and calculate the interest rates, while others I think if I'm not wrong DBS or certain some other banks they will take your total amount of uh total of salary and then they will give you the interest rate so they don't minus of the expenses


it's some it's a it's a plus point lah to I mean and they seem to encourage uh joint uh joint ownership of accounts ah ya joint accounts ah, ya


I mean both of us are not, keep track


ya I think that's good also lah, cause like if the other if the one which the individual which is more spends heavy if they tried to spend on something secretly then the other one will the other individual will get notification and have to allow permission


ya so he sorts of keep keeps them both in line on their like common goals and, and their common achievements


ya true


but I think that's a different I think that's a different different case different scenario cause that's like a kids account, ya like I used to have that also I used to have that when mum when when I was young my mum opened up account for me then she joined it up with us


so like for the longest time I was like wanting to have my own account like after I think I got I got my own account when I was I think uh when I was thirteen or fourteen lah I think thirteen years old ah I got my own account eh, was it


can ah can't remember ah, fifteen ah, uh I think I I think maybe I also got it fifteen lah I think cause you need to get your you need to uh ya so became


ya so I got it when I was fifteen then after that I see my bank balance also I like not happy ah cause is damn low ah , ya that


ya, then after I slowly slowly get to have a debit card ya after that that's that's when is it that's when it starts lah


ya true true, no fixed deposit is also possible lah like if you have certain extra


err, save as you earn but but save as you earn you are constantly uh crediting money into your account right


(mmhmm) ya fixed deposit is is more long term long term


err, ya ya it is if I'm not wrong


so you rack up the the interest rates ah, a'ah okay okay


oh is it, , I know uh usually fixed deposit is more long term like five or ten years if I'm not wrong


and like you can't you can't really take out eh can you take out the money you can ah, cannot like you can't really uh withdraw withdraw the money so it's more of like a long term


long term, ya, if I'm not wrong I think OCBC they offered quite attractive interest rates ah I was planning to,


, think we can talk about it more !huh!, at what age should a child be given let's say in future you got a child what what age would you think it's suitable for you to have a ATM card


like in your teenage years ah fourteen fifteen about fifteen lah, but I think like you said our time and the current generations time are really different lah in terms of like tech tech savvy and all that like you see


ya ya


ya especially now since since it at a


for me, ETF, not, not really ah and ah because and I and I haven't really purchased any investment products also it's not the I would say it was not the financially right time for


me to start to start this to start this ah, uh ya my parents do like my, not not in not for me per se lah it's like for themselves for for their own uh financial stability ah


uh I do ya I think is or like cause my dad is a very low low risk taker lah


I would say so he he mostly invests long term where he started long time back lah so he invest long term and in most more more bigger name companies and more reputable ones ah so the risks are quite low


so but then since he does it he he does it for a long long period of time so the returns can be quite quite okay lah quite reasonable over over a long period of time lah


uh, he does ah he does invest in I think that there's certain stocks he does but, like more reputable ones ah like uh you know those


like those big-name organisations ah that I sometimes I also they won't don't even know


oh okay I even I even come across that that err advertisement before also


okay okay