I cannot live with that and then, ya I I don't I just don't like the taste of brown sugar, ya so that's that's one more factor to why I hate, the uh the Gongcha pearls cause right when when you when you chew on it right then you will get this brown sugar after taste you know


I don't know if they I don't know if they soak the their pearls in brown sugar before they scoop it and then they put it in your cup or uh I don't know but it just taste so weird, after awhile


ya ya I, yeah I just I just don't like brown sugar to be honest


ya ya I I drink Gongcha but I won't, if if like there's no other options I'll drink Gongcha but I won't get their their their normal pearl I'll get their white pearl, cause their white pearl taste taste like you know those the coconut


the coconut what's that when you strip the coconut what's that, ya it taste like that, ya their white pearl is fine but their normal pear is just I cannot, ya


ya, , ya it's quite annoying eh actually a lot of, ya


ya, it's annoying, but it is it is one of the cheapest lah but I still don't get ya I still don't get it


ya ya true true maybe that's why it's cheaper, but ya not as nice, agree, brand I but I never like , I have only drank from Liho like maybe twice or three times cause it tasted so bad


but I just had the craving of milk of bubble tea right and that's the only choice I had so I just went for Liho, but I wouldn't I wouldn't buy from there again, ya, got other milk tea that you don't like


like a like okay specifically a milk tea joint that you don't like


wait where again, oh share tea


their toppings, !eww!, !eww!


then when you mix it in then it will just look gross right,


for share tea


positive experience, Yikah, do you have like, any good experience with customer service


(hmm) jellycat bunny, oh,


ya, ya, for the bunny


oh, gift


so cool


just, just through email then then it, oh, so, so efficient


ya, might as well right ya, nice sia


uh for me right, usually like do you know when you when you get calls from like, customer service


like those random calls, ya then usually like for me usually they they were it's it's like they're forcing me to hear what they have to say right, right and and and, I don't I don't really appreciate that so when


like this thing happen to me when when there's a Singtel like Singtel called me, it was during uh I think, our RP year two, during, whose class ah ya poly I don't know I forgot whose class but


ya one of the class yeah then Singtel called me out of out of blue and then I had I had to step out right and then, it was about some plan that certain customers only get to apply, and that's that's where all these benefits and all that


, !huh! so what, ya I I didn't know I didn't know about it also until I got that call then after that, I was very clear to like express that I wasn't interested right


ya and then compared to like other customer services, who calls you randomly they didn't go on and on and on about why you should be interested or why or why you should try to apply they they straight out just said okay ma'am sorry for


like, disturbing you during your busy time, if anything you can call this if you're still interested and then they just like thank you for your time and hang up , so like that's that's actually might only, positive experience with like those calls customer service calls


like, the rest really just, try to keep talking and talking and talking and talking , ya ya ya ya ya and I you don't really have the time to talk to them cause like it wasn't during break or anything it was, seriously during our like lecture time


then I just stepped out ya, ya ya


ya have, oh my god there's this I I mean you know about it lah the I've, like I told you about this restaurant in Jurong point brio right do you know I told you a lot about it right, ya


like uh like the first time my family and I went there right is because we were like, super attracted to the aesthetic of the restaurant right, it was like it's like you know those, , you will picture it like a date spot


like a hipster like a like a like a hipster date spot, do you have that picture in mind ya that kind right ya ya then when we saw the menu it's it's real it's like a fusion restaurant so I think it's a bit of italian and


and uh, uh I'm not sure about italian fusion food, ya, ya then after that we were we were so attracted to the menu then we just out of the blue just tried it out and then


uh, like the the the dishes that we tried right were so good where it it's like , dishes that I've never tried before, ya then every-time we came back we had good service when the first time we came also we had good service like because my mother always have like she she's very particular about where we sit in a restaurant


ya she always likes the the, because brio is like an open area you know it's like if like you know Jurong point there's sometimes it's it's, like there's two walkways right the the the restaurant is with like right in the middle


of the two walkways so you can imagine so many people walking around then they can see when what you're eating what you're doing ya so my mother is very particular about where we sit right, she, specifically said can you please give us the seat in the corner


like at the corner !huh!, ya ya there was only one corner seat left and it was during uh fasting month right, it was during fasting month and it was during our breakfast time and then the the restaurant was packed and then that corner seat was ya the corner seat was reserved


ya but there's another seat that's that's not at in the corner which is like empty lah but then the the since like the the person who reserved the seat right they will late, so the the the guy went to take the the reserved the the


the card, and then he secretly just put it on the other table, and he gave us the seat cause it was already like it was really time to breakfast and then the the the family wasn't there yet they were quite late, and then they they gave us a seat cause we requested for like the corner seat


ya, so I thought that ya ya and then uh every-time now we cause we are considered regular customers now, I mean it's like our like my family's favourite restaurant right then uh the guy will always know oh corner seat then they will he will straight away give us corner seat ya ya ya and he he remembers I think he remembers my my order cause we always order the same thing


like the same dishes ya I think he remembers me order ya so I think like it's a very they have very good service, ya, oh and and you know you know have you been like have you , are you a regular in any restaurant


ya, ya ya


oh ya I know I've heard of it, ya


, ya, ya


!wow! speed, !wah!


don't come


, ya true,


like , a specific brand that I recommend, okay, uh oh what what what recommend to you


anybody oh uh then uh I think okay my most regularly most used skincare product is my Innisfree toner


the I think it was uh what line was it I'm I'm I don't I'm not sure what line I use but it's in a blue bottle and it's for acne prone skin, ah ya ya ya the bija line the whole bija line I recommend


to people who have acne prone skin, cause it's not oily it's not sticky and it really helped my acne a lot, ya and then when you when you go to the innisfree or or


I I mean I I recommend Innisfree in in general because if uh like for someone cause when I first got into skincare right and makeup obviously when you get into make up you need good skincare to take care of your skin right ya and then uh I was I didn't know much about skincare like


there's there's the science behind it right there's ingredients you can use ingredients you're like sensitive with and all that right and I I didn't know anything about it, so I just, researched about good skincare products and then I came, like over Innisfree I found out in about Innisfree and I knew that singapore had a lot of Innisfree outlet right so I just went to one


and then the customer service right, was so helpful, like they were they were so they were so, knowledgeable about their products and then they even know the ingredients use and all that, and then


they could even recommend me products for my skincare type, like from my skin type which is oily and like, uh no combination skin and acne prone, ya I told them that and then they straight away gave me


recommendations for me to use, ya that's that's where I found, the bija line actually, ya there's there was this one nice lady that recommended me this uh bija line for my acne and then it really helped


I think and then there was another lady who recommended me uh, makeup remover liquid makeup removal from innisfree also and it worked so well, like it melts out all your makeup, ya, it's in a super big jumbo


uh packaging yeah so it's big and then it's quite affordable and then it works so well, ya it, you also like Innisfree


oh I ya I ya ya ya ya ya, is it in the in the this kind of this kind of cup like, ya ya ya ya ya ya I've heard of it


is it cooling, oh cause I heard like aloe vera gelo is always like cooling, oh


I I ya I ya ya ya, think I've seen it before, (hmm),


like I should, oh


(mmhmm), (hmm) I never tried like aloe vera products before maybe I'll try ya, maybe I'll try, I that that I have


yeah , ya


okay okay this quite random but have you like, called any customer service hotline before or telco


ya, oh


ya ya ya it Singtel right, oh, oh, (hmm)


uh I called, Singtel before mainly because, uh there's like , I subscribe to this IDD call


is like for international call like if you want a line internationally, ya I subscribe for that like for three months right cause that's the shortest subscription at that time I'm not sure about now, so I subscribe for that for three months and then


for my school trip lah at that time cause my mother want to make sure that she can call me overseas right so I subscribe for that but then, after three months they didn't they didn't cancel my subscription so, I continued to pay for that subscription so I have yeah yeah so I had to call them like call uh Singtel to tell them to cancel and then uh I'll I asked them lah questions about like why why was my subscription still like valid and all that and then the the guy


over the phone he was so nice, he he he told me to wait a moment and then he he he asked for my number and then he checked like why is it not that why is it why is it still like valid and still I'm still subscribe to that IDD call right


, and then he said that, uh it's their mistake lah Singtel mistake, and then I think we got they they they, they cancelled our payment for that month that extra month that we paid for


ya, ya, so like, okay (ppl), (uh) no (ppl)


part one finance, uh


I mean okay to be honest at the moment I'm thinking about it lah but I'll definitely consider applying for like a grant mostly because why it's very expensive to buy like a HDB right it has like thousands of dollars that you need to put in so


definitely the housing grant would help a lot, in easing off the the the the the money that you put in ya the the payment and all that ya so


I mean twenty to thirty K is a quite a big number lah so it's definitely something to consider especially if you're going to get married, ya but I I do think that there's a there's also the single scheme you know


the one where but we're not thirty five yet so but if, you're you're planning you're planning not to get married so that's, more applicable to you , do you know more about the single plan though not really ya but I think there there's two I think there's two one is the single grant and then the enhanced CPF housing grant for singles


ya so maybe that can be something that we can look into, okay true true


ya okay ya same same for me also uh but uh the grant definitely helps to cover the price and payment lah, then, so wait uh you have not bought a house before right, but


but do you the do you know what, uh some fees that are enquire during a transaction for a house, do you know what other fees asides from like the property fees fees


fees yes,


do you know what is option fees ,


oh okay, I don't know but I mean CPF can only be used to pay for medical fees and also specially for housing so might as well make full use of it right


yeah, I see, then , true true


I think there's also uh there's also option fee which is like you can reserve the property of your choice, that's like like you you pay extra in order to, uh buy buy it


I think, ya ya ya lah I think it's for BTO if I'm not wrong


, then do you get a loan from a bank when you're will you be considering getting a loan from a bank if you ever like renovate your house


ya in the future, no loans, no loans just to renovate a house


, true okay, I mean actually for my side also uh when we did our first home renovation for the family I think back in like two thousand fifteen or something we didn't really get a bank loan


, ya, ya we just pay everything in cash right , okay okay, okay okay


oh in in residential property, ya I mean cause I was looking into like into investments and then this was something that uh that that it was quite interesting to me cause like it's


it's another means of getting like more money in from like passive income but you definitely need a lot of money to you know to start off in this lah which is that you need a lot a big amount you know just buy a property first and then from there you have to decide whether or not you're going to do the


uh whether you are going to focus on capital appreciation which is like you buy and then you sell it at the higher price when the values goes up, and then whatever profit you get that's the, rental that that's the that's the money that you're going to get lah


, for capital appreciation I think it's a bit of a uh you have to put in some risk in order to get back some like, to get back a lot of money lah ya, but ya


ya you have to depend a lot on the on the market so you have to there's a lot of things that affects the value of that property so I I for me personally I probably focus more on making it into a rental


rental income kind of things so I probably like buy it and then rent it out to people yearly then that money that comes in at least it's, more, uh it is more stable as compared to rental uh as as compare to capital appreciation but definitely


uh, something that I have to consider , why not


(hmm), okay I mean


I mean ya true I usually will prioritise like the location or infrastructure, and like the state and condition of the property first if I ever want to invest in something lah cause like I'm doing it for to rent out to people mah so


I would definitely take take into consideration what people would uh consider before they rent something so things like accessibility so is it is it near other public spaces is it near malls, transportation and all that ya so if the location that I want to it's like if the property that I want to


invest in doesn't meet the requirements lah obviously won't do it lah


(mmhmm), oh that is a tricky question uh, myself ah


I think, it is not something I can decide on the top of my head lah but like , because like different different, parties will have different pros and cons, but from what I know bank loans probably be better in a sense that it the interest rates are slightly lower than a HDB loan


what do you think of that


is it


ya ya ya, so


but I I think HDB loans also uh it gives you the chance to like waiver of, like waiver of a higher amount, and the kind of like flats we're buying right whether is BTO or resale so like you kind of get


a cheaper price if you go for bank uh if you go for HDB loan right, okay that's okay,


you mean, my my opinion is that safer would be to pay with CPF for cash directly ya first came just CPF and cash you don't have to pay but it's somebody


I think, I mean okay so is really dependent on whether or not you are , you got money or you got no you don't have a lot of money and whether you are willing to take risk but I personally would take fixed interest


mostly because I want to have like financial certainty like, I know how much I'm paying and like the risk isn't high but at the same there are there're some of my friends are saying that fluctuating is better cause why eh sorry floating is better is because the the thing changes based on your economy so you might be paying lesser than the fixed rate


, I mean yeah I guess


and then , , for, for like some some people will argue that bank interest rates are kind of like not attract you


but then some people will feel like oh money is safer, when save money is safer assessment in banks so like based on this right will you save your money in a bank or invest it somewhere else like which one would you go for


oh at the moment okay


, just keep it you don't need to invest it ya I I mean I would do it , okay


what amount do you think, would would you would you sudden decide to invest in the money


no idea , I know you can start investing even as low as like ten k or even lower than that, well cause the the amount that you receive back depends lah on which package you go for like I I I my bank is under DBS and they have this very small


interest gathering plan or something like that, uh within the next few years probably


ya some DBS, I I would probably go for the ten K one lah then you invest ten K then you wait a few years after that then you can take out the money,


okay oh, I if with the bank I think it's probably, the safer but at the same time the money comes back uh it is is small lah


true okay okay, uh


okay lah not bad lah then have you gotten a loan before like for for your own home for your own future home or like maybe student's loan


okay, I mean me myself I didn't take out a loan but I know some of my friends are taking up student loans, so with ya ya then they have to like pay back or something like that lah


, and then,


okay so uh Faizah what financial advice would you give to yourself five years ago if all this information that you know now was known to yourself, ya like what would you tell yourself five years back


alright, okay


, I think same for myself also lah cause like ya like cause the thing is, when when you're younger you you you tend to get a lot of money from like you know bursaries and all that I if I knew


I knew how much money I needed now or like I could've use into investing, or even like you know, but like investing into a business or it be like into small stuff lah I think I would've saved more


and put it in a bank like probably like, uh the the thing that I knew that I had to do now is that I put my spending money in one side and then I put my savings money in another bank, so it's like two separate account so I would never ever is like harder to take out the savings only because you have to go down to the bank bring down your bank book and bank it out lah


that's how hard it is for me to take out my saving that's why this this all my spending money is only on like the spending account I think that's a good advice if I if I knew about it lah


that's the mental advice then the physical the physical is that okay to put it into separate account then don't touch it at all, yeah


negative experience, okay yes


no voice, have so, do you know the trend with like wireless earbuds and all that, ya so I I actually went online to buy one, and I'm I'm more of a person who were actually buy items looking at reviews


so, I was on this website and then I look through the reviews it was all naturally very good lah, so with that in mind I actually bought this uh earbuds for like I think twenty bucks and it got shipped over like within like the next two weeks


so when I received it it looks okay it was packaged okay so I started using it but then not even like one week later the the bluetooth just stop like connecting and then I was a bit irritated because like


the how to say ah I wanted to use it when I went out to go and take a job lah but, it it couldn't connect so I didn't had any other like earpiece or whatever you know the one with the the string itself lah so I tried to


fix it when ya ya I fix I tried to fix it when I came home, I I actually tried to look out the manual like I I even reached out to the seller about, how am I going to fix this is it like an issue with the wifi or something like that then they actually ignored me for like three days straight


and they ignored me they ignored me they didn't even reply back to my messages so I was like at that point I was really like building up, this stress and, uh uh disappointment lah cause like I I didn't get what I paid for lah so I ask them if it was possible for them to send me a replacement


and the guy actually say uh no we don't offer that here and I was like what, so I ask them lah okay maybe that's why I saw like I I thought that I could maybe ask for a replacement and all that but they didn't even like bother to help me out beforehand and then they expected me to


not comply with them not wanting to give me a replacement so I I just got so irritated I just decided to , go through the you know some website is when you buy something online they actually have tho system where they can give where they they can refund you if the product isn't working if you can't work out something with the seller so that's what happen lah so I worked it out with the


website instead and I got back my money after I send in a picture and my whole complaint but it was a really bad experience like regardless cause like I didn't get my money uh I didn't get my money's worth, the people weren't helping and it was like really


a very bad memory ya exactly it wasn't it wasn't responsible of them also, but I don't know about you do you have any such experiences also


okay


ya cause it work and then after that it didn't work like, why , then you'll, then , had, do you have any products that you will avoid or you you advise people not to buy or use


the one that goes around


my gosh,


so it doesn't go in


for for something that goes around with the part okay, okay I'll be angry if I were you


okay okay , , the name smart okay


oh okay myself, I mean it's not my own personal experience but I have a friend who actually told me that they they basically wanted to buy a sofa from these local shop then they told me that don't buy it from that shop mostly because


the sofa came months later, months they wanted the sofa within the week, but the people, like the people who were managing the store they actually said


we we're we're going to postpone the deliveries so at at so it's my friend was like okay it is okay, this is okay one week postponed is fine but then they kept getting postponed and postponed and postponed and then they just straight up ignored her, they ignored her and then her father had to came come into the situation and actually like message on their Facebook page and be like hi I'm still waiting for the sofa from this month ago but they totally ignore that comment also what happened is that they actually deleted


uh her father's comment on their Facebook page, so you can you kind of you can kind of see where like the whole customer service started going down and down and down, and then I think about six months later they finally send the sofa but by then she already had a sofa


so it was like exactly so it was a very bad experiences experience for her and she actually like , told me about it and I, I think I know where not to buy my sofa now, or furniture lah to be exact cause they're they're furniture store in singapore so


ya they will like ya sure we can do it, , so I don't know what's up with them


that, bad experience, okay uh drinks ah, so myself personally right


I'm not a big fan of milk tea with pearls, it's a very controversial opinion is a very cause a lot of people love milk tea with pearls but I don't like it, I I have a very specific


, specific choice when it comes to milk tea with pearls mostly because right I love the tea, a lot of the brands in singapore they all do the tea really nice but when it comes to the pearls that's where the problem lies in


like I know some how to say ah like, the way they prepare the pearls or maybe like the choice of ingredients probably was there was a flaw somewhere because I really don't like, pearls that are hard to chew so they're either like too soft


or, those pearls that when you taste it right it it kind of feels like inedible like you're you're just chewing on like rubber rubber or plastic ya ya so a lot of the pearls that I've tasted, be it from Gongcha


from share tea, and a lot of other brands each a cup all these brands they really do a bad job with milk tea and pearls so I try and stay away from those, and the thing is that my experience with this kind of drinks is that whenever I drink it initially I was okay with it but after awhile I started realising that I always have like stomach ache


or like , I will start, !wah! I always have stomach ache stomach ache and then like it it doesn't, it doesn't like live up to the height of the tea itself lah cause like you drink the tea very nice then the pearls is like


a big disappointment, then like I give this several chances for like redemption so I actually went back and then I tried tried it again on another day maybe maybe maybe maybe is like I drank it wrongly, or maybe the production was like there was an issue there on that day only my whenever I go back


it's always the same issues so I always straight away from milk tea with, uh with pearls so, it's a big no for me, must


the chewy chewy ,


, a lot of the brands sia


, is it because of the brown sugar element


actually their brown sugar is a bit odd for me also lah I don't know it maybe it's cause of the taste and all, but it's a bit odd, like the taste isn't there , is the whole combination and then okay ah I


I still drink Gongcha mostly because uh the tea and the customer service is very nice, so


(hmm) okay, coconut shavings, okay


, I mean okay lah uh still it's just uh besides that one I think, Gongcha is still okay but have you have you actually tried ordering at, Liho


the cup's designs is like you it look as you are paying a big amount like oh you pay slightly more to get the bigger cup but it's just a few millimetres small, and it's so long so it's like I don't know whether whether you are supposed to like hold on to it


and it's , !hais!, ya, the the ingredients for their for their milk tea feels a bit more cheaper as compared to the other brands also


and not as nice


like, oh oh oh


okay share tea, mostly because right I don't like the taste of their milk tea I don't know what they use but I have a feeling is the red black tea, that's why the entire taste is very different from other brands and then


share tea, share tea ya and then like the whole , how to say ah their toppings also have like some, it's not a very creative lah, like they that they literally have one that is like


I'll add ice cream to the milk tea but in the milk tea is already full of milk, so you put the ice cream in but the ice cream melts, so I'm just here like, !yay! melted ice cream, so


ah, it doesn't look gross lah but like, I just feel like more some more can be done so I usually don't buy from share tea because like the toppings are like lack luster to me and then


the, the whole branding the ingredients the choices you have is slightly more limited also


positive experience, yes


customers service ah, I mean okay so that time, three years ago like two years ago I had to buy a gift for my friend so I went to the store but it didn't had the stock that I wanted so I wanted to buy this like jellycat bunny I don't know if you've seen it before is really ya is is a jellycat bunny so it's very cute and it's very soft


soft so my friends are my friend my friend is in love with that kind of like toys so I went down to the store and I wanted to buy one but they didn't have it in stock the colour that I wanted so the, the lady at the counter basically asked me to wait awhile lah and she'll put the order in for me and they will contact me over the phone


once it's ready so they they call me a few days later then they said, they said that my the the colour that I wanted has already arrived lah and then the I think I didn't I didn't know much about like the store itself so I I only went down with the idea that okay I wanted to go buy this bunny


and then over the call they actually told me that they had a personal personalisation service for the bunny itself ya so like I could engrave, like any names that I wanted onto the bunny ear and I want I thought that that was a really like a really good service that they had lah but I didn't know that about it lah] so the the lady was so nice like she tell me how it work lah like the


the kind of colours I can do the fonts as well as how long it would take lah, so after ya then I I was like !wow! this is cool like I can engrave my friend's name on it so I told them okay I I wanted it and then they took me through filling out the form and all that so I just email everything to them and then


like after that they just shipped it out to me very quickly so I think that was really like !wow!, over the call they told me how to do it and then they emailed me after that and then they said okay ya here's your gift


ya oh uh also right because, because of that the whole customisation thing right they also had like gift wrapping services so I opted for that also cause like the lady was like you know you since it's a gift


since is only like you top up another five dollars just for a nice box and like ribbons and all that so I was like yes, and what about you have you had any likes you love, good service


have heard, yes, ya


poly, one one of the class


so exclusive , so exclusive


(mmhmm)


oh, I I'm , (hmm)


ya they'll be like no you need it you need it , but then at least it was a good like at least they they got the hint that you weren't uh you weren't free enough to listen so


but then last time I got calls right do you have you had like a nice dining experience and like you actually wanted to give like positive ratings to like maybe a restaurant or what


oh, !woo! what what what what did you had, what's the aesthetic


!whoa! , yes there there's a picture ah,


, nah okay


ah okay okay okay okay okay, !woo! did they give, did they give you the corner seat


!whoa! but they gave you, oh


(hmm), oh that's nice of their customer service, meh


!whoa! they remembered that's that's really great eh, , okay lah


myself, okay the thing is restaurants it's not something cheap but it's not something expensive also so depending on where you go so I wouldn't call myself a regular but I go there uh once in awhile lah which is I don't know if you heard of it it's this halal japanese restaurant called Isuramuya


ya so this Isuramuya or is a is a handful to say the name but the first time I went for it cause my friend was telling me how like oh you know a new japanese halal restaurant open up in uh west at J cube so I was like okay so I went there with my friends the first time


and then , that's where I found my love for Ramen because, I've never tasted Ramen before so that was the first thing that I wanted to try when I went to the restaurant so I I I we went in and then the the the whole


the service was super nice cause they were like uh table for how many for three okay then they actually brought us like all the menus and all that lah so I bought my Ramen then my friends bought their own food, so while we were waiting we actually we actually wanted to try out other dishes cause we saw other tables had like this


uh this really nice looking thing so what happened was that we already gave our orders so we were waiting for those orders to be cooked right we actually called this server back and then we told them that we wanted more and then they were they were more than happy to actually tell us, that uh sure they can do that for us so I was really really happy and really excited and then the dishes came out really


fast the it would within like ten minutes I already got served my Ramen and then my friend got their food later on, and then, ya it was super fast cause they set up the table very fast they gave us the menu very fast they cook the food and then after that


when I finish all the foods and all that right no no one actually came to disturb us unless we called for them, and I think that is a big plus in, when when I want to go out and dine lah which is that if I don't call for you I don't I don't need you ya but if I need you then please come so ya that was a good thing cause there are some experiences where you know you're eating halfway and someone tries to come in and clears away your


dishes, while you're still eating so I feel that's, that's not a good, and like it ruins the experience which they didn't do lah so I'm pretty happy with like how they actually, allow us to have our own space and time


to enjoy the meal ya so that was one of my really good experience with a restaurant, and then oh I actually want to know more about what skincare you're using and like why would you choose it


other other types or other kind of brands, uh it can be a product it can be a brand what like what what skincare do you use that you're going to like recommend to me


like anybody lah just just go


the bija


oh


(hmm)


melts all the makeup !wow!, packaging , it's good it's good


me I like Innisfree myself, I mean, I like Innisfree myself but I would honestly want to recommend like I I use this uh on the side when I have like breakouts or if I am if I don't feel too good about my skin which is the have you heard of it the Face Shop the aloe gel


is in this green tub, oh my god the first time I'm, what what ah, ya ya is the is the circle kind ya so I I stumble across it the first time when uh I was in secondary school and


because the thing is I I wasn't a big makeup slash skincare enthusiasts I didn't know anything about it I was a really had no clue uh, really big idiot about that scene so when I first it came across this that people were telling me that oh it helps acne prone skin it helps sensitive skin


so I wanted to to try it out lah so when I did I realise that the ingredients they use were really uh organic and obviously it uses aloe vera which is a really good plant to help with uh skin problems


so when I first tried it out it actually help to clear a lot of my acne uh a lot of my pimples and all that and it was really refreshing feel lah because, no the tub was so easy to use ya it's very cooling is very cooling so like


you'll have that refreshing feel when you use it yeah I mean it's easy to apply also I don't know if you see the tub before when you just have to open and then, stick it out it's so easy to use so easy to bring around also


ya so I use it whenever I whenever I have to go and sleep or do that I'll honestly recommend this over any other aloe vera products mainly because of all all the good experiences other people has has had before


and like how it compares I think the Innisfree bija line is amazing lah but like if you need the, a quick fix this thing works really well


of course I've tried the plant itself before yeah but the plant itself is a it's it's a home is a home thing so some people who are not , uh what's the thing called people who are not hardworking enough to prepare the plant version of the aloe vera should opt for the Face Shop one


yes, myself okay


uh people would call me a bit weird but I generally haven't called my telco service in many years mainly because I use a postpaid uh plan I don't know if you heard of it the GOMO plan, ya so I just pay I've I've


yes its' under Singtel yeah I used to use Singtel once and then they had this GOMO thing so I bought that one I I don't have a issues with it so I don't call them, so pretty pretty satisfied but what about you


okay


!huh! oh no


(mm)


part one finance ya okay so ya, so <P2>anooshi</P2> what do you like think about saving and like what are your saving plans currently how do you manage your money


so when I was young I think POS OCBC came up with this scheme where like you save one dollar everyday and then you get a sticker like I think I was primary school ya , and then like my parents got me and my brother both the account so like if every day we put one dollar in and then , we get one sticker and like if you accumulate like thirty stickers then we can go to OCBC and they give us like a small like a toy kind of thing so that was like my motivation at young like to save and then like when once I get older and like my parents started giving me allowance for school like weekly allowance I like set aside


like a few like I set aside a fixed amount of money like per week to uh put into my savings like depending also like if it's if I don't didn't really go out the week then like I have more money to save so I set aside like basic at least ten so not that every day I have to set aside two dollars from my or three dollars from my allowance but


weekly means like one day I can spend and then the next day I I just need to not overspend and like spend little so ya that's how my saving has been for now lah , ya sorry <P2>anoo</P2> ya


ya I think more than like since march right , ya, it definitely has increased because I don't spend on a daily basis like on food and all those things like I'm at home but at the same time I feel like I spend quite a bit on online shops and like products but I think it's definitely better like


I get to save more and and my allowance has also decreased lah so it's actually I can't say that my savings has increased but I spend less definitely what about you,


I think you also need some savings like some backup money just in case like anything happens I mean you can't predict the future also like what if you break a leg or like your school requires like some project some money for some project or what so I think it's important to at least like make sure you have at least a fixed amount in your savings like don't deplete that amount


ya, what do you think about like CPF contributions and all that, after we start working lah ,


I think it's good also because like I feel like uh not a lot of singaporeans are into investment so this is like a risk-free investment and it's like it's mandatory also but I feel like a certain group of people that who are really into investment all they can , they rather like put in this money into like uh different kind of investment and get larger returns if they know how to play


uh, investment, if they know how to play uh the investment game yup so for them it can be a little like, annoying that they have to like mandatorily put the money into like CPF schemes but , ya but to the majority of people I think it's beneficial like yup so that after the old age after you get old you still have like a monthly payout and you are you even if you spend uh recklessly during uh working like before sixty sixty years old


ya yup


ya I think it's a sense of security lah, what is the difference between life and health insurance ah, (mmhmm)


so is there like an overlap between life and health because I feel like health can be under life insurance also is there like an overlap or is there some life insurance that covers health also but maybe not that in-depth,


that's true, ya that's very true ya ya


I think I would like after like my schooling years has been over which is like another two three years because now like my school covers for like health insurance , ya so I think I don't need to find one now but I think the future I would really need a life insurance to just just as a form of security for my family and


ya, do you have one now or,


oh ya okay, so it covers like basic uh health checkups and all and then there's a few clinic they call it like a panel cllinic so they cover like they fully subsidise your health checkups and your medications that you buy


but for hospitalisation I think there's a certain amount they subsidise the A&E the the initial fee but after that uh for the procedures and the wards and all that is like a certain percentage that they cover, ya so it's throughout my entire study lor so I think it's quite useful for now


ya, and I think they cover like a few dental also, ya, like uh treatment-wise dental procedures not aesthetic dental procedures of course


, so do you have like a future plan on like after you graduate after you start working on like how you're going to allocate your money into savings and like housing and all like cause after that life is going to get real and you need to get a house and all that


ya


that's true ya


I don't really have a detailed idea but I know that I have to set aside for like my kid's education housing and then like emergency like, uh emergency uh hospital like medical like charges all yup so there's a lot of


categories to put money into so I just need to like figure out the percentage each month that I should put inside each ya and are you keen in investment or what to get like higher returns because I don't know because not a lot of people are daring to invest their money I I'm definitely not because firstly I don't know much about it and I'm not willing to take the risk also


(mmhmm), yup yup yup there's a lot of like online things right recently ya


that's true


ya I think you should also like bid more on it and like know when to like take your funds and when to like, stop ya cause it can like go the other way also right, ya


ya, that's true maybe can, ya ya, ya you need to be smart and then I think start small first know like


like how it works and all ya, maybe in the future maybe , might consider , there's like


people employed to help you do it is it, (mmhmm) (mmhmm)


so what do they get do they get like a monthly salary kind of thing or like based on commission you pay them, ya I think should be commission also ya


ya, unless like the company pays them to do it but should be commission also like ya, !huh! ya ya that's true


that's true oh I didn't know such thing existed , ya I should read more ya , yup that's good (mmhmm)


the graphs right ya, ya yup, ya I think you can get


like can benefit from it also if you know like how it works and they really have to be smart lah, ya yes , huge amounts, !wow! !whoa!


how much did he invest, ya, you can get easily carried away also lah, looking at the returns and like all the examples


ya, I think at this age I'm not thinking about it lah, I mean I don't have that much of money to invest so ya maybe in the future see how lah, ya


uh negative negative experience, okay so recently like I bought this decoration like kind of thing it's a small thing I bought it from an online website so the base is actually like the light source and like there's acrylic uh like I think I seen it before like acrylic like uh


ya, just ya acrylic like sheet ya, so like when I got it when I Oned it it worked like it worked for a few hours then I turn it off and I like went to do my stuff and then again like after few hours I just want to on it you can change lights and then the switch didn't work like it didn't change the lights anymore like it was just in one light


ya and I paid like twenty five dollars for it so I was just like so like I paid twenty five dollars so like I was hoping it will last me at least like two months or at least a month right ya and then it's just a, few hours so like I called them up and I message them saying that oh my god why is your switch not working lah I just received the product and initially it was working I mean I told them to truth then she was like uh maybe it's maybe you dropped it or


what then I feel like if I have dropped I will tell you I dropped it and I wouldn't like uh like and and even if I drop it like your product is this fragile is it , like ya but the acrylic will have been broken also by then so I was telling her then like after much like talking and debating and then after that she agreed to like give me a partial refund uh but then I have to return the object ya lah but I think it's still something lah at least I get a partial refund back ya but like


ya but it was also on my fault because uh, partly my fault because like the product didn't have any reviews but it was so beautiful I decided to buy it lah ya so it didn't have any reviews but, after the incident I decided that okay I I think review is very important like you need to know like how many people have bought it and ya


and see whether it's a good product , ya


, ya


I agree, that's true but maybe some things are not in their hands also like the delivery


what ya so like ya, can't hold them liable also at times because like maybe like it got broken during the delivery phase ya, ya lah (mmhmm)


ya


it's your luck ah , in her policy, but do you let her know about it, okay ya uh ya I've seen a few videos


I'll have been damn disappointed , ya and expensive it's not cheap also like, to be, ya, ya I need to save money to get things like this like luxury for me


ya speaking about makeup and all like another thing that irritates me a lot is those fairness creams like, (ugh) I can't tell you like how annoying is it really now like especially like there's some instagram page even now like promoting like fair skin and like fairness creams coming up with their own brands you know I think you know about fair and lovely right that indian brand


that that's like I they I don't know when they launched it but it's been here for so many years and even their name is fair and lovely so they just promote that, especially their ads oh my god have you seen their ads ya so, got one of these ad ah this girl the same exact !huh!


the same exact girl ya, there's this one same exact girl like she'll be a dark I think they put some dark makeup on her and then she will go for a job interview and she won't get the job just because like uh she's dark-skinned they they won't even call her to like listen to her


and then like after a few months of using this like stupid cream then she'll become like damn fair like at least like thirty shades lighter and then she will walk in with confidence and then like they will just offer her a higher position job, like, and this was aired on national television


ya and like


like it's more desirable like in terms of everything like partners or like , a job or everything like fair skin like you only can succeed in life if you have fair skin and everybody has to aim to like get fair skin , ya they're just instilling like in young people that okay if only I have fair skin I'll succeed and if that's not the case then I won't


ya ya but I think like it's also like part of the, indian I wouldn't say culture but like how they brought up because like , since young also like I think we have heard about it like if you have fair fair skin like if you are born a bit dark you don't really get a lot of opportunities especially like in like dance plays or what like


they they prefer like fair skin and like skinnier girls to like be in the front of like dance I mean I've heard stories from like my friends that uh, even if they are talented enough or dancing dance better than uh the fair-skinned girls but they they try to put the fair-skinned girls in front because it it looks better supposedly lah


ya so they just create this inferiority complex within themselves and then like this multibillionaire companies feed on them like use this insecurity to make money ah, ya, it's damn annoying


(mmhmm) (mmhmm)


ya I have actually usually I don't like spend bomb without like trying cause sephora they give out like samples, so I usually get the samples but in sephora lighting you will look okay and maybe some foundation oxidises also like initially when you put it might look okay then after awhile it just will turn like orange and like I have experienced one but luckily I didn't spend a lot on it


and the foundation was like twenty five-ish ya, and then like after I came home and used it I I realised that it actually oxidises to become like a very orangey brown colour, which is not even like it didn't even suit me and it look like I look completely horrible on it like ya but luckily ya it's not very expensive usually expensive stuff I'll try to get samples first ya


and try out a few shades, yup


did did it look fine like in the shop, ya, I think it's the lighting , ya, actually ya you need to go a few shops also and try out and like I think samples like very important because you don't you won't know unless like you bring back and you won't know how long it wears also ya


so I usually like foundation especially I get samples because you know indian skin tone is so hard to get foundation shades like , like not ya they don't not a lot of like brands offer like a wide variety of colours and the undertone also like some will be brown some will be pink and it's so hard


ya that's true ya, and then it oxidises to become more orange and then like ya


I think, I think now ya, I think now some brands are coming up with a wider variety but I think there's still a lot of improvement to be done ah, especially uh foundation brands in india they only have like light skin shades I don't understand like ya I don't understand it


ya, like indians there are like a wide variety of skin range uh skin colour skin tone like a wide spectrum and they only like have like the first top half of it like , ya ya but


won't you like earn more if you like, meet the needs of more people like majority of people, ya, ya I don't get their thought process also


I know right, I think need to to change lah I think there's more awareness like, slightly more I won't say there's a lot of change but slightly more lah like educated people now know that skin colour is not like a basis where you judge people or like anything but like there's still like a majority of people who thinks that okay if you're fair-skinned only you can get married you can get a proper job


all that ya


actually there was this ones like is like a telecom like M one company so uh uh, ya so uh actually they suddenly one day they terminated my line and like uh I couldn't make calls I couldn't on my data I couldn't send text messages and then I went to check the uh my payment was like my the contract is under my dad's name actually so I went to check with him and he said that he actually paid already like uh


the amount for the month so I usually have like used their service customer service hotline before and they usually ask for my dad's like IC number birth date all just to verify so I already prepared that and I called them up and you know the waiting they ask you to press this number press that number and then you have to wait very long okay that's fine I waited and then like this guy picked up


and then I told him that actually I already made payment but like I my line is terminated then he was like you no your payment is not made it's not reflected here then I said , okay it's not but I'm very sure I made payment then he asked me for a payment number all and he asked me to call back, so I put down the phone I was like that's all you need right I asked him payment number then he was like ya ya it's okay if you talk on your behalf of your dad all this ya okay so I went to get the payment number some uh uh ya some receipt number then I called them back and then have to go through the waiting same procedure blah blah blah


and ya then after that uh another person picked up they said that person wasn't free then I said okay the previous person told me that I need to, uh get my payment number and all so I told him all that then he say oh actually uh we can't verify the details based on you we need your dad to call us this one so I was just damn irritating because firstly I was in school and it was so late and I really needed to like I really needed to like make a call and like data and


ya then I was like okay then if that's the case you could have told me earlier right I wouldn't have take the hassle to like, uh call you all back again and waste my time now my dad has to call and wait again correct ya then he he I mean I felt a bit annoyed but then he, apologised then he said that uh


uh, uh it's a mistake on their side so ya lah so I mean customer service agents are also like uh humans and they make mistakes lah, so but it's just like very annoyed at that point of time


which one sorry, ya I think so , that's true ya that's true ya


that's true should have checked beforehand, ya, ya that's like wasting your time right , ya ya


quite annoying , ya, actually some people also they're very rude like of course you have came across like a lot of rude customer service like cashiers or like, ya


or like even like food stall vendors like , they're just so rude like as if like I mean when I'm paying them the money for their service I'm paying them the money for the food I'm not taking the food for free so like it's your duty to like, respond meet my needs and like like respond to whatever I ask


correct , you are the one selling the product, ya ya, so I don't get how people get irritated when you ask them questions I mean like it's my right to ask you questions about your product ya if


positive experience, okay so do you want to go first


ya that's , ya there's actually I usually try out like a lot of cafes and restaurants like just for the fun of it because I like to eat and like try out different food so like recently I went to this like breakfast place it was at east coast there ya


I think it was called penny university ya ya so this place is actually a very small shop like under like a block, ya it's not like a fancy restaurant or what the prices were like reasonable ya but the, ambience there was just like very soothing and like calm music and like the


instagram worthy kind of like place ya with a lot of things ya, then uh they also had a very like wide variety of food like mostly they have breakfast they had wide range of breakfast like breakfast sets to like different types of eggs and a lot of things ya and then they had brunch and lunch also lah but I think their breakfast like variety was more they were more focused on like breakfast


uh dishes ya, and the portions were quite huge and their platter oh my god their plate was like it was so aesthetic like instagram worthy and like ya so their I think they put a lot of time and effort into like their representation which is like a good thing and


and then the staff there also they were quite friendly like cause it was my first time there I didn't really, know what is nice and like what is the different types of eggs what's the difference also they were damn friendly they were just explaining to us they even recommended like okay this will be like this if you are looking for something sweet or if you're looking for something like uh spicy you should get these instead which I think is like


very important when like it just attracts you to the restaurant more and just gives you a more like pleasant uh experience , ya and overall I just loved it and the price was quite reasonable also it's not like damn ex ya of course lah for you have to pay a price for like the portion and the effort they put in to make your dishes but I think it's worth it lah


do you have any experience like that


ya and different


where is it ah [orh] okay


ya ya they have a whole like lane of it right, ya


ya I think it's also very important for them to like tell the portion how much is it because you can't really like estimate, ya ya like


it's important lah when you're eating to like the atmosphere and like the people there to be nice ya, if not you're just gonna get irritated and you you're just not going to enjoy I mean, ya


ya, ya I also don't like when like people keep like asking you questions like oh my god do you want more like is it enough like , I just feel like I just need some time alone also like the reason I come out is to spend time with like my friends and family and you just don't come don't keep like asking me do you want more is the food alright all that like if I have feedback I'll come and tell you or maybe at the end of like my dining experience I will share it with you


but ya , because I remember there was this like ya, restaurant that kept doing it when, ya, but I think customer service is very important lah like you need to be friendly you need to know how to communicate ya there's once that uh


last year I think my friend's birthday so like we actually ordered balloons all like online and all but we didn't check because like all of us were busy with our school so we went to the chalet place and then we decided to set up the decor and all and we open everything and the balloons had like holes in it and the background the backdrop was torn and then like we only had like


I think an hour before like the birthday boy arrives ya so what we did was we and the chalet was actually very in it was like uh changi there and it's there's no like shopping centre or like decor places nearby so what did was we called like, nearby tampines over there like we called decor places and asked them and most of them were like quite rude but then there's this one company like she was damn friendly and she was damn accommodating because we had like specific colours and patterns in mind you know the confetti and all that like it's quite hard to get ya in singapore like normal shops unless a shop is like mainly uh dedicated for decorations


ya so I called her and then like we were very specific on what we want and she was like okay never mind I will go and search for you she was just very accommodating on what you want and she didn't even get irritated she was like okay sometimes she will like take a picture and she'd send us and then she use whatsapp also then we'll say no we don't want this she will like okay okay don't really I'll find another one like


I think I spoke to her for like twenty minutes on the phone and she was just so friendly and I was just like okay !wow! like, like since she didn't get irritated and like annoyed at anything ya, so she was really very patient,


ya on the day of the event like I called her and then like she redid everything cause my friend got a car so we could drive there and like pick up everything but we wanted to like ready beforehand then he go there and select and waste time, right ya, so she really set aside time and she was so patient with us and like ya that's one experience that I think it really important lah for if you want to sell your products and like


you want to like attract people to your shop or what then you really have to have good customer service because even if you have like top notch products and like you can't sell it or you're not friendly enough or like you're not accommodating to the needs of people I don't think it will come back to you because they they won't even know what products you have or like the quality of your products


ya ya


it look good , ya was the


was it affordable,


ya I think it's hard to find like these three combo while like service is good the price is also reasonable usually with the service it's damn good and like it's damn expensive also lah, like you pay a price for the service also, ya but ya, but I think now there's like more variety of shops available you know like all the small shops the online shops instagram shops and all I think it's easier to create your own start up your own business


sorry , that's true it's harder to find those shops ya


but there's a lot there's really a lot out there on instagram


(hmm)


ya, ya speaking about that like I think I renovated our house like few years back that's when then we had to do all the electric works and all all the sockets wiring and all so we hired someone to do it like from a company lah


so actually we were quite indecisive because we wanted like two-way switches and all so initially my dad was okay we get one way for everything and then we told him okay one way for everything buy the switches and all and then after that we decided to change our mind and make it two-way and I think he was very accommodating and he was very like understanding and he really heard us


out before like even doing anything ya so I think now a lot of I think usually people will feel very irritated oh my god you tell me first one way then now you like you change your mind , ya then he was like never mind never mind it's okay it happens then he he took he came another day down and he was very friendly and he changed everything and he bought like wires on his own first but we paid him for that after that which usually like this type people they don't have to buy the wire and switches and all


so initially we bought but when we wanted a two-way he was like okay never mind I'll go and get it myself because I know which type already then I'm like okay I mean this is like taking the extra effort like like doing your job properly with passion and like ya, so I think it's really important and ya he was very friendly also he was like okay okay you want the switch here or you want the switch there or which switch you one first then I like okay I think is very important like it's he just like


uh meet your needs ya, ya, so hard to find like people like that and companies like that ya,


I think hair salons also like speaking about that like the first thing that came to my mind was hair salons like , uh because like like sometimes like some people there they will be damn like uh, irritated agitated and they just like won't listen to you but like certain people like


if you know the name then you know that okay they're actually very patient they're actually very good at what they do and they hear you out and they they are not really like pushy or like because some people they try to sell their products the hard selling it's just like oh you need to buy this no you need this you need this you need this like your hair is this like that so you need it so I


kind of find it irritating but like some people are more understanding say if you want you can have it but this hairstyle will suit you more and like I think it's important to hear the other people also to give like, like a friendly experience a nice experience ya


ya ya and they need to be good at what they do also lah ya ya but I rather like you be I won't go to a place if only the person's good and like not accommodating or not not listening to like what I want I don't think I will choose a place that place over like something that has both lah


part one finance okay so


I have been trying to save since I was young uh, my parents have always told me that you know saving is, very good thing that will come in handy in the future especially when you have any sort of emergency like right now in this kind of situation like you know COVID situation where people have been losing their jobs and stuff


it's, it's good to, save money and everything so what I do is, every month I try to set myself a limit , of like a certain amount that I should save up


like I have this setting in my, phone where I on my banking app where I can actually deduct money every month from my a certain amount of money from my , from my account and then so it just helps me to make sure that I keep up to the limit and don't overspend


, ya and I don't overspend so yup what about you <P2>fatimah</P2> like, have you been saving and like how do you actually save, yup okay so


what about the COVID situation like you know we've been at home for, I don't know let's say six months maybe , ya so like how has it been like has your savings increased or like is it still the same do you still spend a lot or


what


okay definitely, I have saved more amount like over these past six months but, I wouldn't exactly say I haven't been spending also you know especially with the government giving us money , and ya, so it was it's like you know like oh the government gave me money so like you know I can I can spend I can I can treat myself a little those kind of things


so I have spent a bit here and there but I still managed to, stick to my limit and not overspend, so I think, ya overall my spending like my spending hasn't like been there like not too much but ya I have saved quite


a bit ya ya true even then


I was just gonna say that but , ya after we start working but ya it's I think it's quite useful that you know the government has, CPF allocated for us even though it kind of like takes a portion of our money from our salary every month if you think about it in the long run it's actually quite useful as we get to


use that amount , especially during old age retirement time like or when you know when we get sick, it helps to cover for our, health , bills medical bills or like any sort of surgeries


I think, what do you think about it actually, that's true but


even then like with CPF and everything I don't, I still don't think that CPF alone is enough for us like sometimes we need to have insurance also to back us up like for example , let's say life insurance or health insurance kind of things okay so like you know when you talk about life insurance they give you different sorts of insurance


for like and you can choose which which suits your lifestyle better and let's say like you know there are certain families where there's only one person, only one sole breadwinner in that family and they're the rest of the family members are depending on them I think life insurance will be better cause in the event that something happens to them right


like it will cover for the family you will have to like you know pay for their funeral services or like let's say like something bad happens and the person dies , but ya like helps to pay for their death,


you know their funeral services, and like any other debts that they that they might have and the remaining amount might go to the family members, you know at least they don't have to suffer in the end and then ya, exactly


okay life and health insurance there's actually a lot of difference too, like uh health insurance it just basically like it mainly targets, health-related stuff like anything to do with medical like you know your hospital bills


uh, any surgeries that you go through or like any sort of treatments that you might need and stuff and uh life insurance is like what I said just now, uh what did I, say like uh you know uh it's to support the family


and like in the event that something happens, and, stuff uh especially when you have to when you have dependents like let's say I'm the only one working in my, family and I have like my kids and, anyone else who's depending on me I would I would I would want that amount to go to them after like in case something happens to me


and like for life, ya that's life insurance for health insurance is, like , you know if I it's like for me in person like just for me like in the event that I fall sick


or like anything it will help to cover for me I don't have to fork out my own, money the insurance will cover, me but at the end of the day it's actually quite encouraged to, people encourage you to get both because you


you need both like you need something to cover for your health and at same time like you need like in case you have dependents you need something to cover for them to help them out also, so it just depends on like how much of coverage you need


for both lah I think life insurance will be better for that like uh you know


when you fall like when you fall critically ill it will still help to cover for your expenses, and stuff, but then, actually, looking at it like sometimes life health insurance is the best I would say like you know


if you don't have any sort of dependents and stuff health insurance is better like you don't know what might happen to you like one day you might be okay the next day something, might happen, so like you know in the event that, you meet with an accident or like just fall really sick


health insurance will help you to cover, for it whereas life might, not ya, so <P2>fatimah</P2> do you think you would actually take up any sort of insurance or


(mmhmm) uh I do have uh


life insurance whole life insurance that my dad took for me when I was very young like I think i was one year old or something, when he took for me, and right now since since I'm, over twenty one years old it's under my name like because


uh until a certain age your parents will be taking care of it and like the moment you, hit a certain age it will it will be under your name after that, so it it actually covers, for my whole life if I'm not wrong with a certain amount of


they have this uh thing where like you know they insure you for a certain amount but it accumulates over the years, so like in the event that you know like the longer I keep the policy


the more money that I will actually get out of it, yup, so you said you said uh, your school actually covers for your health insurance like what what exactly does it cover


(uh huh)


oh that's good ya, okay


, life is already getting crazy like the thought of it is like so stressful okay, good question, haven't exactly thought about it but ya what you said is true lah


like uh you know in another, few more years life is gonna get you know start getting, crazy you need to, think about housing and everything, I guess, when I start working I will, try to


allocate like like what I told you like you know, I have this thing where like you know I can like set aside a portion of money, so maybe like, uh when I start earning I will, set a limit like a higher limit uh let's say like twenty five percent


of my income will go, into savings and another twenty five maybe into housing and I only like have, I have like fifty percent, to myself and, the other fifty percent is like for savings and housing so if it like you know when it accumulates over the years it will be a huge amount when you actually like


start think about using it, ya, so what about you do you actually have you actually thought about it,


ya,


ya, I mean ya, in it's quite risky but I think , I've been thinking about it actually like quite recently like maybe you know have you have you heard about trading like day to day trading kind of


things ya so like there are some like uh government approved, uh, companies or like you know like you can actually download apps in your phone and then you let's say you, deposit like a certain amount


of money into that , portal or whatever that you are using to trade and then uh, you you have to obviously you have to do like continuous research and then and stuff like you know see how the market is doing like


and all those stuff and then you can do like day to day trading trading and stuff, if you don't want to take a lot of risk you can just go for like the lower risk ones, ya and I think it's actually quite good like over time maybe you won't see it immediately I guess but over time I think it will help to accumulate the amount that you have actually put in


and over the years it would come in handy I think, so maybe you should consider it, ya , exactly like I mean when you when you actually want to do it you must be you know ready to like take losses as well lah like you you can't expect like you know the moment you go in you must be like oh


you'll be like oh okay I think I I don't want, I want to get money but at the same time you know like I don't want to lose out on anything also it it doesn't work both ways you need to take the risk as well, but I think it's it's good, it's worth taking the risk I think like you need to be careful also you can't you can't just go and put all your money in it and


suffer in the end ya ya maybe sorry ya but I think


they also have like you know, customer service kind of thing so that the people will, actually help you through it like uh you can, ya like uh let's say you are new to this right you can actually


uh I can't I can't really, remember how exactly it works but, you can you know give them a call or like let them know, then they will actually contact you and they will go through with it, cause there was once my dad tried, to, do this online trading I think he's actually like he's still in it but initially when he


first started, , they already know like you know when they when you log in and everything when you sign up for it they actually ask about your personal, details and like, you know what you are working as, and everything they would obviously want to know like


what kind of a person, you are like if they can trust you you, know if you are trustworthy like and check your credit worthiness and all those stuff, and then uh so they knew lah that that my father is, you know a beginner, so they actually like contacted my dad in the person the person asked if he wanted to


set up a meetup, and like you know talk it out in person like learn more about my dad and what kind of, you know if he's willing to take risk and, what he expects out of this actually ya there are people who do this and they would help you not too sure I think


I think it works as commission maybe, like you know when ya, should be right like you know you find more people you help them out and then like , that's, or maybe it works both ways


maybe it works both ways like the company pays you as well and you get more like, amount like ya that's commission quite cool right know all this kind of things


but ya it's actually quite fun you know when you go into the trading website , like they have the market fluctuations and you can look at it's it's confusing but it's quite ya the graphs like it's quite, cool but, confusing at the same time lah like if I think if you


know and if you read up on it , if you get a if you get a hold on like you know how it works, it's actually quite cool I think ya you have to do work smart as well because


I've heard of people friends who, lost their money , ya huge amounts there are people who lost like millions, like, few of my lecturers like since I'm doing finance and everything my lecturers will talk about it and it was just two days ago my lecturer was said that he kind of lost millions trying to trade and


stuff that's crazy , no idea like you know at uh with the idea of wanting to have more income more money and I guess he was a risk-taker ya should be exactly don't do that that's true but I I guess ya uh yup


negative experience, (uh huh) (uh huh) ya exactly ya exactly


talking about that like , I think was last year, , I think you remember like we were planning to buy gifts for a friend and there was this like particular like rose dome that I wanted to buy since she liked it a lot and I went to


I actually looked a lot before I ordered that from that particular shop like , uh I I search for like other shops where if they had similar flower domes and then uh I check their reviews and when it came to me like the moment I took it out of the box it came out in pieces so it's supposed to be like a wooden base with


flower like it's artificial flower with lights and then a glass dome kind of thing covering it , and when I opened it the dome the glass part of it it just came out in my hands, like I had like, two different pieces when it's supposed to be just one


and like, it was especially after I read through the reviews like they said like people who bought it previously they said uh oh it's good I uh their service was good and all those stuff but, for me was horrible


like imagine buying something and it's already like quite last minute like by the time you received it , and like just to find out that you know the part that you bought is like, it's like that and then I went to text the person lah like I told her oh the the product that you sent me is like


you know it's not in a good condition like , it broke and stuff and she was like, she didn't believe it at first I had to send her pictures it's usually like that with all this kind of people they won't believe it they won't admit that it's their fault,


and it's horrible cause like you know you trust them to like provide you with a good service and then they do this kind of things, ya, I mean ya I get it like sometimes ya exactly , ya sometimes it's not in their hands


cause ya ya that was yup like, cause there was once I bought uh this eyeshadow palette , from this uh, instagram shop like she's quite well-known


a lot of people buy from her a lot of influencers buy from her also like she had really good reviews but the first time that I bought from her I got this eyeshadow palette and when I opened it I don't know if it is just my luck , the one of the eyeshadows they were actually broken so it was just like


glitter powder all over the palette it was messed up but uh, even then their packaging was quite good like they bubble wrapped it and everything so I guess like , at times it just happens lah you know during shipping and everything they can't help it also


, but she didn't take ya she exactly she didn't give me a refund cause like it is in her, you know it's like ya in her policy that they don't provide refund or exchange but she did give me


ya I did let her know about it but she did give me a solution to it like you know like you can fix, makeup products like powder product with alcohol , ya , thank god it helped me if not I don't know what I would have done it was a mess like imagine opening up a brand new palette and you all you see is glittered powder all over it


ya I was so excited for it, exactly especially makeup it's not cheap at all, ya


oh, ya ya ya like


they just increase the brightness of the person's ya, no they just increase (uh huh), okay okay you can go (uh huh) ya


exactly they just make you think that you know having like ya, they they make you feel that you know having a lighter skin tone is, is is the boost to confidence, it's like a confidence boost kind of thing and like you can achieve anything in life


ya ya exactly ya ya ya


ya all these dance companies, exactly


okay ya you know just now you were talking about makeup and stuff right , you know like sometimes when you go down to the shop like let's say sephora and everything and then like , you want to get like, a proper foundation for your skin tone


the worst part is when you come back and you realise it actually doesn't like suit your skin tone it's like a lot lighter or darker even if it's lighter you can try to do something to like you know cover it up you can like use extra bronzer , or like contour and everything and like you can try to cover it up but if it's darker you just it just


ruins your makeup, have you ever experienced it, ya exactly okay (uh huh)


at least for you lah it was just like twenty thirty dollars there was once I went to get foundation from this place and the person like , uh she tried it on my hand actually and then after that she tried it on my face as well like you know like they will try it on your jawline


like to see if it matches like your neck and your face, , and I spent like sixty over dollars, on that particular foundation only to come back home and find out that it's, actually darker, like not not just after it oxidises or anything but


when I wear it itself like the moment I wear it it's you can tell that you know it's darker on my skin tone like it's way darker like it's not even it doesn't even match my skin tone at all in any way I don't know how she recommended it to me and like , it wasn't in sephora it was like


you know , uh in like takashimaya and all those stuff like they have like different booths and stuff, so you don't really have like a proper station where you can get to like see it, it was like that so I I actually trusted her


and look at where it landed me sixty plus dollars, in the shop it wasn't that bad I I guess it was lighting lah, but ya exactly exactly oh ya ya


orange is the worst I think like with, orange is the worst I think you know like with uh indian skin tones, sometimes you just walk out and you look so orange, exactly I


think uh best is just like don't wear makeup at all, ya exactly but ya ya


they only have light skin shades I don't know what they are trying to do also with their companies, , that's what they prioritise they that's what they've been trying to promote since


for ages, everyone right exactly, I don't know what goes on lah but I guess they have


you know like tuned the brains of people like to think that oh this is how it should be so they they don't they don't really speak up as well, slightly more so ya


have you ever experienced any other like places with these kind of like services, (uh huh)


ya exactly , ya ya


ya talking about that like I had a similar experience also like uh my dad he wanted to recontract his phone he wanted to get a new phone then we went to, uh I think it was singtel I can't remember, ya we went there to you know like ask about new phones and everything and like because we wanted to recontract so we were we were talking about uh


is it note twenty the new one right now, right , the new phone note twenty if I'm not wrong ya, samsung, so we were we were we were asking about it like we were enquiring and everything so the person was like, the customer service agent she was


she was actually very nice in like, she was very nice like her service was good but , she like nah she gave us the breakdown of the payment and everything and then she gave us like a few offers and then she told us that , overall we will get like


a few hundreds off like over the amount that we have to pay upfront then later on when she went to retrieve the phone and come back right she was like, she she said all these to us like beforehand already and then we will like ready to sign the contract and everything but then when she came back with the phone she was like oh sorry uh I'm sorry about what I told you earlier on like this doesn't apply to you already like


why would you say that like aren't you supposed to know like what you're offering, cause apparently my dad like my dad's company was uh, he he he was paying like he was buying under his company's name so like I guess like for that you get you get like certain offers and like certain offers don't apply for that kind of like scheme


and like she didn't even initially she told us that oh for your plan like this does apply but then when she came back she was like she went to talk to someone else then she said oh uh uh it doesn't apply to you like for the particular one that you are looking at why would you do that like aren't you supposed


to be familiar with like you know the services you're providing if not if you're not sure you should at least ask right like ask your coworker or like your superior, ya but I mean, she did apologise at the end lah like we did we did feel quite bad for her


but even then I feel like you know you should, you should know what you're doing, before you say anything else like ya exactly like especially when you're not sure , ask someone first exactly


like what we had you know agreed to everything and signed the papers and then you tell us oh it doesn't apply to you anymore you have to pay more more money, ya oh ya exactly ya


and it's your job to do what you have to do like, exactly, I think like especially when like you know you go, to like


I've experienced this a lot lah like you know when I go into a certain shop I look for like let's say I'm looking for a particular dress for like an event or something and then like I see something that I like and then I ask them about it but then like let's say like I don't like something about it and I tell them it's okay I'll come back again or like you know I don't want this anymore that's when they start showing you attitude they'll be like


they'll they'll be so rude like before that they'll be so nice they will try to like you know uh, like they will like they will be so nice to you they will like tell you oh you should try this this will match you this will suit you but the moment you say uh sorry I'll come back later or anything they will just like it's like a switch that goes off like a on off button kind of thing they will just like immediately change to a whole new like person and they'll be so rude to you ya


positive experience okay, ya uh so <P2>fatimah</P2> you know like have you


, experienced anything like you know exceptional, when you go out and stuff like any sort of like services, or like you know any good restaurants or cafes I know you love to eat so, ya


, (mmhmm) (mmhmm) (uh huh)


, (uh huh) ya okay so there's


this cafe that I went to recently it like usually I try not to go to the same place more than once because you know like it's nice to experience and I go to new other like other places right like you know experience new, environment kind of thing but there's this particular like cafe it's called belo I think belo cafe or something that I went to with my friends my friends uh introduced it to me


recently, and it's actually okay the the atmosphere is very nice like it's quiet and you know right right now the situation is quite bad like COVID and everything you need to you know maintain social distancing so what they did is


they have like separate booths so you don't you you are just with your group of friends or like the group of people that you go with and then like, you don't get to communicate with anyone else, and, ya it it actually gives you some sort of privacy like with just the people that you're around with and then uh


ya the music it's not too loud not too soft is just like a soothing background kind of thing and the food the food was just so good okay usually cafes they only have desserts and stuff right this one they had they had


main courses like they had appetisers, lunch sets and everything , what I liked the most was, the pizza that they had there and the pizza that I chose like, I can't remember the name, it was the cheapest option actually like compared they had other uh options as well but the one that I chose was the cheapest option and yet it was the


best out of everything I guess like cause my friend chose another one and, ya it was so good and then they had waffles, with ice cream and you know how much I love waffles the waffle was like so good it was so soft


and crispy at the same time not too, crunchy and with ice cream it was so nice like you should go there, and, uh it's at upper thomson you know upper thomson have a lot of uh cafes and stuff right like ya


ya the entire stretch ya it's one of it's it's it's at one corner you won't really like notice it but , I went there twice more than once, it's really nice ya it's just like a very nice environment and the people there are very nice also like uh


they give you recommendations like you can ask them which, which food they recommend and stuff and like , you know when they when we actually wanted to order the pizza the person was like you know, one pizza might not be enough for all of you all like, I myself can finish one pizza we didn't we didn't understand what he was talking about until we tried it it's actually that good and


ya, exactly that's true also, but ya overall it was it was a very good experience and I think it, it's very important also you know like for you to, have such like good experiences you know you can go back or you can refer it to like other people


and stuff ya ya exactly and the main ya the


main part of like going out to eat is like you know you want to enjoy with the people that that you go out with like the people that you love and everything you just want to have a good time, ya


, ya yes that's true (mmhmm)


(uh huh) ya ya ya that's nice


and all this happened on the day of the event, all this happened on the day of the event, ya ya that's true


that's true, you know , like what you're talking about you know uh giving like really good products and services like remember my twenty first birthday last year and how good the cake was that that we actually like you know it wasn't enough to


accommodate to everyone like it was so good, okay so the the, the customer service was excellent as well like you just have to, you know email them or call them give them a call, and like uh okay, I had this particular cake design that I wanted and before that


you know that company right I asked a few like I remember asking at least like five to six people before I landed on that one and everyone were like they either gave me a different design they were like oh we can't do this, uh the way you want it because I wanted like full cream and not like fondant or anything and like they were like


they were like, oh we can't do this for you you can't do we can't recreate this in like you know full cream and all those kind of things or they will give me crazy prices for like a cake , that I actually didn't want to spend on and then I I ended up on this place this company and like since the beginning they were like so friendly they were


they asked me like what I was looking for and like the number of pax and then uh they recommended like what I should, go for what kind of like cake size I I should go for and then what flavors I wanted because they they only had like


a certain like set of , flavours they had in their list but, I wanted a particular one, so when I asked them for it they didn't say no or anything they actually they were actually nice , to like you know offer me the flavour that I wanted and then


they gave me the exact design I wanted as well and like mine had florals and then uh then I told them that you know uh I wanted real flowers and at that point of time it was quite difficult to like find the same colours that I wanted they actually managed to find the ones that I wanted and like


did it you saw the cake right you know you know how good it was and the taste and the taste it was like so nice it just the cake just melted in your mouth and I would definitely go back and buy again, , ya it it's really important lah like you know to have this kind of good services


like I've recommended the cake shop to so many people by now at this point, it was quite affordable like you know uh for party like events and everything you if when you want to order this kind of like


a few tier like cakes it's actually quite , pricey and I think like compared to, all the other, cake shops that I actually, enquired they were not bad they were actually on the, lower end it wasn't that I can't remember the price exactly right now but ya it was quite affordable and it was quite reasonable for like the kind of cake that I wanted


, so like their service was good their pricing was reasonable, and the cake was good ya, it's very hard to find such, ya exactly


everything comes with a price, , ya it's usually the shops that you never like expected or imagined


like you know the it's usually like the places that you don't really look for in the first place like all those like small shops that actually surprise you with their services, ya


okay so uh you know recently like , uh, I wanted to recontract my house like you know home plan lah with one of the telco companies and then uh okay so like, ya our contract was almost over and my dad was like how about we take up a new plan and everything and then uh


so I uh I, called the person and she was actually very nice like usually, like, all this while I've always had like issues especially when it comes to telco companies like because usually like it's the frontline


customer service like people they, they always serve you first and then after that only they will refer you to you know the people that you want to talk to or like the kind of services that you actually want so every time I call like I'll I'll always say I'll always face issues but this time round


like from their time like we called we called the company like to the time they actually uh provided uh provided us with, the service everything was really good like it was really there like uh we called the person we were like oh we actually want to recontract we want a certain plan at first she suggested like


a different plan to us but then we were like oh no we were we actually looking for this like particular one then she was like , she explained it to us like in detail like what exactly it's all about and like how much we would have we would have to pay every month and like the breakdown of it so we know that you know like how much we're exactly paying for it and like what where it goes to and all those stuff and then


from there like she actually, uh , booked an appointment for us and the person who came down usually when they come like when they come to your house, to like you know set everything up for you they they would have gone to like so many houses before that and they will be so tired you know like you don't exactly like expect a very like an amazing service from them like you know they just come they do their job and then they just leave


but the person who came over right he was so nice , like he was so friendly he was talking to he was chatting with my dad like as though they were friends he was and then like , he set up everything for us and then on that same day actually my aunt who lives upstairs she also booked


the same person, like just happened to be the same person on the same day and then , after setting up for us he went up to my aunt's house and like when he was gone we kind of like faced some issues so we called, my aunt's house like since he was already there and like when when he heard about it he actually came down after like finishing up for my aunt's house he actually came down


to like help us out and he made sure that he stayed extra longer and like you know to make sure that there was no other problems before he left and it's like so good because like you know, it's not every day that you get this kind of service


ya (uh huh) ya (mmhmm) ya (mmhmm)


that's true, ya like I don't, I don't think it's just like you know companies like, , like like you know the company might not be that great but the particular person that you're actually working with they would want to make you want to go back to that place for their service


so it just depends on an individual also I guess, ah ya ya ya exactly exactly ya


talking about that I recently dyed my hair and like ya I I spent a bomb on it but , but I think it was really worth it for for the colour that I actually went for and everything cause and the service that they provided it was so good like I went with my other friends like two other friends we did it together and


the person who did for me she was so patient like she sat down with me she asked me like what exactly I was looking for and then she explained to me that you know this is how like, the entire process like this is how it will be done and cause


I had to bleach my hair and then she explained to me like you know what will happen if I bleach it if I should bleach it once or twice or like you know like what will happen to the colour over time and then, you know throughout that process also when she was doing it on like on my hair


she will tell me like oh right now we are doing this right now we're doing that like she went through step by step and then she explained the entire process to me and like I think overall like, the experience was so good like I would actually go back to them like the next time I wanna do anything on my hair I would actually go back to them and


ya they didn't try to hard sell or anything at all like , 've been to other places where they try to you know hard sell they'll be like oh I think you should get this because your hair condition is like that and all those stuff but this place this salon in particular they didn't at all


and I think that's what matters actually at the end of the day like, good service and they don't try to force you into anything, ya they have to be good in what they do


yes one two three part one finance


okay so first question, how do you invest your money to accumulate wealth and slash or planning for your retirement, what are your thoughts about this,


I think for me I agree lah obviously now is not the right time to think about accumulating wealth when, I have no source of income at all given that we are, students so, I will usually only think about like investing and stuff after you start working and you're in a comfortable position where you actually have


money to like invest in stocks, and like like what you said lah, like investing in relatively safe, stocks but also like diversifying the kind, of , what is it called shares that you buy


uh so that, like not everything goes to, goes like, badly for you at one period of time, ya yes like, how like how now


maybe if you had invested in both Changi airport and zoom your Changi airport shares will be doing very badly but at least your zoom shares are doing well so like when you diversify you invest in various different firms that are doing different things and, like you will always have something that may be doing not so well but you also have something that is doing well


work hard lor


I mean like if you really want to tell your big ticket expenditure obviously planning is a very important thing, to do like, planning putting aside money for it making sure that for now temporarily you don't splurge on things that you don't need, especially


like, things like starting a family buying a house and stuff like that obviously there's a certain ranking of priority, to this, and probably the ranking would be house family and then car right, ya


ya I would think that the best thing to do obviously be to work, hard, save as much as you can by making sure you put aside a certain amount of money and then, what's it called, uh putting aside a certain amount of money and then being thrifty


and then I guess for those people who really believe in investing everything that is very important then ya, investiture


purchase things according to your means, you mean


I would think that one more thing that we should think about is, like I think especially for our age, where , people have very different plans in life some people really want to work a lot first before getting married some people want to get married really fast


and I guess for both whichever situation you are in it's all about planning and knowing when you need the money and making sure that you actually know, where your money is going and what you are doing with it, ya, okay next one how do you spend your money which expenditure is justified and what have you been spending too much


on so how do you spend your money financial calculators


I think what you mentioned about food like yes it's a necessity but my issue is that, I spend too much on food, because I'm like oh I need to buy food anyway and then I'll go and splurge on like, fifteen dollar meal and, even though I know like yes uh splurging sometimes is okay


I I just feel like because, we are at a age where, , like university kids go out a lot, and then when you go up you always feel the need to like oh if people go here then I need to go there and then sometimes you cannot control what food is available for you there so you have to buy like there are no choice but to buy