our perimeter and also they know our style like they know what what we will want and all and the customer service is amazing because we have the same age age thing and all, ya ya so I think my positive products experience is within that that Bugis section of those students young youngsters taking care ah because you know we have the same mentality and like wavelength and all like a sixty old person like some of my friends like they can't really have the same mentalities as them mah


ya I would you like to share about your clothes clothes shoes and series because I see like you have amazing like polo tee and all ya


uh like a planning strategy with regards to insurance right, okay


planning strategy I would uh suggest endowment plans, uh have you heard of endowment plans, okay so uh endowment plan is uh when they they give us specific sum of money


to now so what they will do is they'll keep the lump sum for you and then they release it to you at normally twenty five years later where you can get a much bigger amount to use for whatever expenses you have like education for example


yeah so have you heard of this plan before I'm sure you have right because like uh during roadshows they will especially like during army and all they will contact you for this


housing no actually is actually is actually is, you are not limited to how you can use it actually ya


you're not limited so it's like uh you can take it like ya you can take it like a personal loan in that sense they just give you the money is a payout like a one time payout or sometimes it happens in a few periods so it's like a four year payout, the total sum gets divided into four years after a certain number of years so this called like a because it generating interest what right


you you understand ya so uh, uh so that's how actually uh CPF also works so what we plan to what what what's the idea is because uh we need to consider the time value of money, so time value of money is basically the fact that ten dollars today is not the same as ten dollars in the future so is something you need to know because cause ten dollars today is actually worth more than ten dollars in the future


that's uh I'm sure you all like heard of that before yes correct yes so so putting your money in the bank now and taking it out later is going to generate some interests and roll you money lah correct


correct ya so of course that's why you have to always factor in the risk in investing there's always a risk but think of it this way would you rather give the money to the bank or would you rather give the money to


a friend for example let's say let's say me your friend wants to do a business, uh I mean yeah of course you wouldn't give me cause that's the smart thing to do but because why cause I won't give you back the money understand right,


but let's but that, that's that's a that's honestly too bad for you lah because that's unlikely to happen anytime soon for them, major banks it's ya but


but okay given that example of a like let's say DBS, uh like CPF for example like a more trusted source , ya ya so of course there's a risk in everything I mean we could like is struck by lightning right now so no one's stopping us I mean indoors like for example like but I mean like think about me I'm like coughing so much right now like I could just die anytime right the but that's a risk I'm taking ya by


yes, yup so that's when uh investment works quite quite well I would say because what you want to do is you want to grow your money instead of spending your money


you want to grow your money as for as long as you can to generate as much interest as you can , and of course that means you have to sacrifice the short term uh usability of the money lah technically you lose that that opportunity to buy whatever you want to buy for your should be short terms lah so ya so it some


thing that you need to weigh the options and see which is the better option lah, ya , no lah I think I think we can go on to the next uh topic also okay I think we've covered this quite well like that's the like a strategies maybe


okay


yup correct but because the problem with that is that still not investing cause that's just earning, and earning is different for investing of course because like I said you are getting a bigger sum in the future that that's the key interest the interest rate is what makes the difference here so


something that we need to consider like the actual interest rate of the you know the plan that you are taking for example or the bank that you're applying with, and also the time because obviously the longer you go you know the more the better the option is lah


ya, yup


ya so


ya so correct correct so of course you need to scout and you can't just decide immediately who should be the one who's giving you financial advice or facilitating a financial advice , and you will have to look at a few banks a few companies maybe cause depending on which route you choose to go


and from there you have to work your options up because there are so many plans available and there are so many uh there's you can use so many sums yet you whatever fits your lifestyle the best and what's your end goal of course, like is it for marriage is it for like something stupid like your short film or like or


okay ya I mean not something sorry something like trivial I mean like I mean short film , it wouldn't really need much maybe we need like twenty dollars to pay them for one day they not going to come back anyways right so , so so you have to choose the right company that gives you the best plan and of course this comes down to your own personal uh financial interest lah


ya yes yes do ask


, okay so I think that will be more about like how do you spend your money and which expenditure is justified and what have you been spending too much on so I would say your question ties into on if we see point number three


ties in quite well with that thing so we'll just go with that okay , so when you say how do you spend your money of course like your expenses are different from mine so for example I spend a lot on food uh quite skinny but I still do of course and uh that's pretty much what I spend on I don't spend on clothes you can see probably just pick


ya but I but I would I'll think uh I'll think let's not just bring the boyfriend topic in cause life is bigger than that yeah so, uh maybe we can keep that aside then we can talk about something else like more finance related instead of going into you know the personal details


yes yes of course of course but finances of course of course but,


yes yes of course but so that's where you have to understand that uh you have to understand that some people who spend lavishly have the money to spend lavishly so uh it yes yes so some people they're can afford to do that because of their pay for example and


that means that that they might not need savings as much as someone else who doesn't have the same luxury, yes yes of course of course I mean whatever whatever job you are doing is to sufficiently meet your income levels lah I mean the ya the income levels you you require to save and at the same time uh live a comfortable


life to spend enough kay so I think let's let's not drift too much uh they say which expenditure is justified so I would like to ask you like throw the question back at you which expenditure is justified for you,


correct so so so and you,


okay so food is one of the


, , okay okay so so that's like your idea of the justification so mine would be mine would be something like I would like to spend on the luxuries of course because uh it has more than that lah so because why why I said that is because


I already have like a savings plan set aside for me and my personal expenses in the future when I'll be requiring more uh like a higher sum to deal with whatever life throws at me so, so in that case I have a safety net lah to fall on so this safety net allows me to spend a bit more freely and comfortably now I don't have to worry about having enough savings to use in the future so that's that's that plays a part so


like some people who don't have this endowment plan might want to either a start their normal plan soon cause as you realized the earlier you start the better so it's like a plan that helps you for either your retirement or


if you can take it earlier for like major life events or you find some other investment options lah there are so many so many investment options to to use right now so yup and


like so okay so what would you say you've been spending too much on like we know what you are spending on but what which one do you think you should reduce, ,


like on what exactly, , correct correct correct,


okay so, , understand understand okay so that's a that's a that's a good, feedback at , so maybe we should move on to next one because of


not much time left so how about uh should I get a DO DIY or get a financial advisor to plan my finances okay so I would like to start on this one , yup correct correct so for example you are studying engineering right so you might not do finance as a module am I right do you do finance as a module


, yes uh but for example do you learn


yup so but do you learn about , like compounding of, the discount rate and all, , yup okay uh ya so for example okay do you learn about stocks and bonds then


yup so ya so that's what I mean so stocks and bonds are another great way to invest, if you didn't know I'll uh you did know already stock is basically you having a share of the company so having the share of the company allows you to basically sell your shares at a certain price when it


seems the most reasonable to do so, so yup so in that sense you'll be treating the company as a bank so what this what basically what happens is you invest when you invest in the company the company uh uses your


investment as a capital, for its operations ya so once they are operating on your capital what happens is if they are profitable of course only if they are profitable and , only if they declared that they want to pay out what they call dividends which are the returns to your investment


so ya so is like paying out your insurance lah something a similar concept to that so, that's one way of course there's a much bigger risk in this because like I said before the company company has to be profitable


and you might, lose the money altogether or, not able to get it back at time soon if they are not profitable ya so this one way I would say people can invest , so coming back to should I get a financial advisor I think for both of us the answer would be yes it's best to get a financial advisor because we don't have that uh finance knowledge that is required for us to make decisions by yourself yup yup so


, secondary school student probably not because he doesn't understand how


interest rate works and ya because he might not he may had underestimate like the actual , how how much they can actually charge you, based on a short period of time if you don't pay back your you know your dues cause like a credit card means you are purchasing things on credit so eventually you are owing people money and you have to give them back the money so


ya so but besides credit card like when they say how do you manage your cash flow for example how much of your income is allocated to savings expenses and, investments or insurance so, cash flow is very important because it's what allows us to


like you said allocate the money to the different , groups so, cash flow for us the two of us would be our income lah I would say, would you agree with me ya okay


ya okay ya that will be great yup okay so yes yes yes so okay so now going onto numbers seven what would be your thoughts on CPF contribution maybe you you'd like to go first, okay why would you say that


okay but there is another side to this of course where some people say that they would like to be able to decide their own finances with their own uh like make their own decisions you know


correct so it you agree that it's different for different people lah yup okay so you mentioned why some people might like the ideas or I just went through why some people might not, oh still


actually ya I think we can go awhile actually I don't know you have to tell do we speak uh enough like financial points or worry like going over straight ya, you want us to okay


, if you want us to go like five more minutes I ya if you want us to go five more minutes I don't mind also you make the call lah okay okay


okay cause okay okay can so ya so basically what I was saying is that so what people might like to, invest that money and be able to get back the returns when they want not for example decided by when the government should return then the money they would like to make the decision themselves cause at a certain stage in life they might want uh


the funds and if it's locked then it is not available to them then they might not be very happy lah so I think that's just sums up my point, , okay


stop sorry stop the recording in the appen right, okay


okay part three negative experience, okay uh would you want me to go first


okay so okay I'll going to talk about a time when I ordered from a E-commerce platform it failed to meet my, expectations basically so there was this time that I bought is a what is it called it's like a


like you call it let just call it is like a weight uh plate where I got it from a a company that was unknown brand a weight plate is basically just let's call it weights lah got some weights , so what this uh what happened was that uh the weights came in


but they weren't up to the specified uh specifications you know there's like , certain specifications for products right that you need to meet to conform to this quality uh control specifications so for example it did not meet like the weight category like so if they said it was twenty KG it was actually around more like


seventeen point five KG and so we know that they are not conforming to the quality lah ya, uh no because we we can't really prove that oh it's it's not that KG because they were they might say oh maybe it's just the problem with your weight scale or something so


correct cause we unable to prove yes, because it's a rounded up number sometime so and it's a unknown seller it's not a very well known seller , so and when you're on the E-commerce platforms it's always a risk of course you can the best thing you can do is you can


up downward a company and put it in the comment section or like the review section where other people the best you can do is to prevent other people from falling in that same , uh trap but like I said some people don't mind that lower quality because it came with a lower price so some people might just see that's a trade off and might not find it as a big deal so it's all down to personal perspective like I said before


yes, yes but how but we are actually paying for a certain weight because you're paying for a certain weight in it has preserved certain weight in a material like metal ya so


correct but quantity is something that you can easily point out can tell them that it's one less but something like something as small as like this minor differences in the quality is something that you is hard harder for you to prove and get a


get a get a replacement or refund when you take that grade ya correct


okay so what experiences that you're


oh ya ya were you able to report


oh so would you want to share like is it on which which E-commerce platform was it on yup ya you can give a example of that oh is ah okay I see


yes yes


that's true that's true so you I've know you have, ya that's that's quite unfortunate actually yes yes that's quite ashamed lah


yes yes I do I do yes correct so another thing I would say


ya I would say it would have to do with like delivery time, so uh they did not meet the promised delivery time so that's something that still acceptable to me as long as it's it comes eventually and it's not something that you need it immediately yes is still better than the product comes as its uh marketed lah like on the website it says


these and these and that it has to follow this and that uh properly so you know we know that we can trust the company and purchase from them without uh we can purchase from them through online means lah when we can't actually communicate with the company directly so uh I would like to


ya so like I will for example I I used to buy toners like printer cartridges from E-commerce platforms toner ink uh no no no skin not skin toner ink toners toner like printer toners it has ink in yes


yes yes so uh what happened was that, we need toners like quite regularly in our line of work in our business so we can't afford to have a, uh it's it's just uh our printing materials lah but I can't really say out because it's a big classified ya so yeah uh so it's like illegal script work lah we print out scripts from like aspiring directors who ya who who think they're like great directors but actually they are not lah


so and , ya and uh so, that's the time sensitive uh product because why I would say that is because for, example let's say a T-shirt you doesn't matter where you get the T-shirt you eventually going to use it right but when you want to printer cartridge we need it now because we need to ink now we are unable to get it because due to COVID all the shops are closed so


uh in that case it came about and like a week late and that cost us quite a bit of uh money ah like in between you could not do ya before we could get to someone else we had lost some money ya


no but yes but I think at the end of the day we are still giving how importance to the product itself, cause uh you can deliver a subpar product and have very good customer service but that doesn't mean anything cause I'm paying for the product although yes I want a good customer service but that's not of the main priority in this case


getting the product that you wanted yes yes correct yes yes yes , so and also what I would like to say is , I would like to describe uh a bad staycation or or hotel stay so there was this time that I I went to Bangkok and


the, the cleanliness of the blankets and the bed sheets were really quite bad cause we weren't sure there were like certain stains and we weren't sure what they were some looked like blood so I think that's quite unacceptable because we


because that's when it comes to hygiene then things like that we can't really accept that kind of ya that kind of bad quality something that they should have checked beforehand ya, so that that's I wouldn't say that was only bad part of the stay but there was one of the main bad parts because all these sheets were soiled and


ya we we couldn't really get them to replace the sheets also because they didn't have enough at that time so I think that's another problem where yes where they didn't have the necessary logistics to meet like uh the expected quality of them lah


no because no there's no there's no way we could cause we we are pre booked it we have nowhere else to go so we just have to make do


correct but uh another thing it was not a very good hotel is like a three or four star hotel so we just have to we just have to suck it all up and made use it has uh it's it's a bit more like that ya, so maybe you want to describe uh your worst staycation or holiday maybe for me it was just


ya continue,


correct correct yes, !wah! that's that's quite quite a sad thing ya that that's quite a baker's ethics these can be the basic necessity and it's not something like yes definitely definitely yes so


, correct correct so I think that's quite a bad management uh strategy you


ya there was a staycation in south america right, south america okay it was like a tour is it ya okay ya so but you have to understand that when south american countries they are sometimes a bit backwards when it comes to this kind of things but of course that's that's no excuse that uh no excuse to


correct correct ya that's right so maybe maybe did you all did you all like see the reviews or something before it because this seems like a major problem that other other customers would have face so it's like


oh yeah that's that's oh that's quite a shame ya


yup yup correct so okay so maybe like I would like to talk about uh electronic device which I was used and disappointed by and uh I think you all will have seen what the device was just now at the starting of the recording it was my earpiece


that I just purchased barely two days ago but of course I can't really complain cause it was just a twenty dollar earpiece so the mic did work fine for I guess, two days until today morning when suddenly die on me when I needed it the most so that's an example of a a product inefficiency of a product defect that cannot be tolerated cause so let's say it's just give me give the unfortunate scenario that I did not have these


xavier mic right where it helps me to record right now , I would basically have jeopardize this entire recording, and uh glory right here would have been really pissed with me and you of course losing hundred dollars would have been really pissed with me also and so


ya but uh glorious not our friend so at end of the day we still owe her this so so that's one example of how would I say uh you can compromise on certain things but, functionality is something that you should never compromise on so functionality would be like the basic function of that product basic function would mean of the earpiece would be to obviously


delivered the sound to me and transfer the sound from me and it wasn't able to do one of it so that was a pretty pretty bad product I would say and it's really unacceptable


so this thing uh it isn't really a well known store or a well known brand it's more of a it's more of a just a random piece of equipment from some random manufacturer


so that this is a hit or miss yes ya so it's a hit or miss you never really know what you are getting until you try it out so always a risk so that's where I would like to say it's always okay to spend a bit more for quality, yes yes


yes yes yes so I uh was actually not was actually my brother who purchased it so uh what he did or he did put it in the reviews and you know my brother is a bodybuilder you know so uh he, ya so uh just like to share the information cause you all might want to know what he's doing with weight plates ah it's not he's not he's not he is okay maybe Gloria here would like to know so it's not all about you you know or it doesn't revolve around you ya so maybe we can talk about another topic before you go to a straight


something else maybe like , for example maybe you could talk about like your ya like so maybe you could talk about your recent incident with your laptop where you were not able to get it fix on time remember your laptop where correct ya maybe which you should just briefly mention that ya just just briefly


, okay but maybe you would like to yup but maybe you like to highlight how old the laptop is so that we get a rough idea of why why it was not working so


so two years yup okay so


ya so ya okay I think I think that's ya so


, (mmhmm), ya maybe you will just like to uh you


ya continue just continue just continue with your just maybe continue but another example


yes yes correct, , correct so like like that goes back to like the basic functionality should not be denied the product yes and the user yup


, part two positive experience okay


, you start first ah I think this is your forty


okay yup I think there was a quite a like there's there was quite a good thing on uh the food and beverage yup yup okay , so I would like to talk about like uh consumer electronics and gadgets kay so


so as you know consumer consumer electronics and gadgets are obviously a big thing now because with advancement in technology we are getting more and more a bigger variety of these gadgets and not mean I'll be getting more of them but we are getting more advanced features in them so they're coming like with better value


and so if I were to speak more about a specific one maybe could be , like uh for example like an Iphone for example so what we can see in an Iphone is that they're putting out new models constantly and not that not only are they doing that but they also able to keep up with the customer demands like what people actually want in their phones


as certain features like water resistance or like, flexibility for example some people might like that so, such consumer products it's important to always innovate according to what the customer wants so I think that's quite easy to do with gadgets because of how


how flexible and how many options you have to modify certain features to meet consumer demand and taste and , so what is allows them to do is allows them to mark up the price to meet the demand also so it it's more profitable for that company that gadget company whoever that is ya


kay so maybe you want to talk about the next oh food consumer product


okay okay


okay, alright can that was that was a great great yup so for me I would like to go back on the food and beverage because like I said earlier that's where we spend most of our money , so okay so we're talking about uh food and beverage I would like to speak about this coffee shop that I went to yesterday actually


so it's not in a very well known location but its serves a very uh good quality coffee and although it's a bit pricey I would like to discuss why people are willing to pay the pay the buck for that cup of coffee of course yup so


, I'll start off with like what's in the coffee of course so it's called cold brew coffee when they it's brewed, it using special techniques unlike your typical coffee that people might say oh you could do the coffee at home why would you want to get it at uh at some porch shop for like over six dollars when you can get it at the coffee shop or just make it yourself at home


but that's where I would I would like to say not only are we getting like quality ingredients and there's value for money in each and every , uh ingredient that add into the cup to give it that price but I would also like to say that you're paying for the ambiance and the customer service and the place


it essentially we are playing uh we're paying sorry for that atmosphere that we are getting in that shop, so that elevates the experience to a whole new level where it's in the coffee shop it'll be just focusing on the cup of coffee but in this place it's more than just a cup of coffee it's about uh having a good time with your friends in a place where you can


uh for example have free wifi and you can you are not limited to any like which trains and you can be free with your friends and have a good time in a nice place that's you know good environment good ambiance everything's good so


that I think matters a lot when we look at consumer products beat services or products we have to see as a whole, uh package not just the product itself so we have to think about it like what does it give you and yup so I think maybe we can lah like what you put in the chat box like not but ya


, ya so I'll be we can continue with ya, yes yes


no actually it was my first time going there yesterday so that's why it came to the back of my mind ya it's it looks like a typical cafeteria or a coffee shop like starbucks for example , in like when you look at it from outside I mean not as good as starbucks but something similar lah so


but you only realize like the value of the place once you go inside like once you step inside and give them a chance to service you with their quality service, and quality product which is your coffee but yup


no that's a technique they they combined a good product with good service to give you a exceptional an experience so what I'm telling you is I'm paying for that experience not for that product or that service also why should I pay for just the product or the service when I


can pay for the experience right like experience is what matters most and it's the most memorable thing okay so experience is basically correct so a good experience comes with ya ya correct correct you're right they do give a good experience everywhere but what I'm saying


is I'm talking about top tier experience I'm not talking about your average experience you know, like , no so so that's what I'm saying if it is like Starbucks so the concept is similar to Starbucks but it isn't as pricey as Starbucks but it's definitely better than coffee shop ya so it's I'm just telling you is a bang for the buck


yes yes so I'm saying like they are good correct I'm saying so you get a good, correct so you get a good uh alternative to Starbucks without having to sacrifice much of the benefits that comes with purchasing something at Starbucks


yes yes so anything you would like to know like ya correct so that would, yup definitely yes


yes definitely so it has to be accessible and a and a convenient location beside preferably beside the MRT so in this case it isn't and that's one of the drawbacks and, correct so but I think the basis because they just opened newly so they don't have that have the base yet but once they


kay so once they, they have a good establishment with good loyal customers like myself probably will be returning in the future then they can probably invest more in their in shifting to a better location I would say


yup ya maybe you could talk about some other product okay sure ya


yes yes yes


okay okay, , oh okay, what


okay okay ya, okay so, okay


ya so like


correct correct yes , yeah definitely so like you said about the gym right so what I would say it was that they this maybe it's something that has to do with the culture of the place like the people who go there so that uh furthers my point that


the value of a place like in this case a service provider would depend a lot on the the people who work there and not only work there but people who are frequently visiting that place so there are just some uh external factors that make a service provider much better lah


so you know you have like added perks like for example they want you to feel the entire they want to feel make you feel as comfortable as possible and you know like emerges with like good music and everything then that would play a very big role ya


and ,


yup yup true, yup okay so I'll maybe you would like to uh tell me more about some uh product where you purchased then it exceeded its uh expected lifespan something something that something that like maybe continue


uh something uh something anything could be like a piece of gadget or , okay so,


, I see I see


understand yes correct, correct so correct so, so then I will just like to further elaborate on that point that you mentioned where , I think the customer service aftercare is really important so a lot of people think that it's all about the customer service when you purchase the product or you know like while you're making the decision to buy that product you're considering whether you want to purchase that or something else in the shop and they provide customer service but


you have to understand that with things like camera like what you what you explained we are not just going to use it we're not just interested customer service while buying it but we also want the continuous customer service as we use the product and face certain issues that might crop up from usage of the product


and when there is a problem you want to be able to have a good, good service basically it either to repair or to advice on what we can do or troubleshooting lah basically so you know helping us identify the problem and helping us to rectify the problem is really important


after you purchase the product so it's not just selling you the product and forgetting about you after that is being able to help you even after you buy the product and when you need help from the customer service yup something that ties in quite well,


yup yup correct correct ya so , uh what I would say is like sometime is just a marketing technique where they say it's a good customer service but they don't provide that service so we have to be a bit careful and see where we can get that quality product or service that we want ya


so maybe you'd like to discuss the skincare uh that you're using and why you choose it over other brands maybe if you do some skincare, uh no skincare products okay ya


indian don't use skincare products ah yeah sure you have any other product that you use


so what what what would be your, what would be your ideas for an example of uh example of a expensive outlet like what's your in your category, okay so it's so it's like well known brands lah brand names that are okay okay


oh yes yes but


yes definitely yes so


yup so uh ya yes thanks for recognizing my amazing polo tee ya so, touching on that like talking about shoes for example you can't get shoes from


for example from like you mentioned uni graduates, cause you can maybe get T-shirts and shirts maybe but shoes are something that's a lot more complex than printing a T-shirt on just a piece of fabric where it requires a lot more manufacturing inputs and lot more uh raw material so uh in such case I would say that


we can't always just go to brands that are cheaper we sometime needs okay for example I would like to say we spend a lot of time of our time in shoes right is either on the shoes or bed so certain things we should not cheap out on and we should be able to spend uh a higher price for a higher quality we should we shouldn't hesitate basically yes


so I think it's quite important to understand our priorities and spend accordingly [lah]


but I don't invest my money at all though like because, like, like even though like I've heard of like of people investing their money and stuff like it's a bit scary to even start like, like ya if you do it correctly you can gain back like a lot I guess but also like there's a potential for you to just lose all your money


ya like because when you save like you know the banks all the, interest is like damn little so how to say like what do they call it, you are not making your money work for you I guess, ya so ya ya so ya so but then ya but then because like if you don't really know much about finance or business it's


like very daunting to just start at all


okay but even if it appreciates right if you only buy like one stock, you will earn like what maybe twenty or fifty dollars


if a stock appreciate that means like, later on you sell it, at a higher price


all the scammers will do it, no wonder I think ya like that's the thing like first you need to even like earn enough money and then like have your life comfortable enough that, you can afford to set aside a bit of money for investment


so like even if like, touch wood lah but even if, you lose that money it's not going to affect your life badly,


like it's too scary for us lah but, I don't know I guess if you want to, to then we should I don't know like go to those investment seminars or something ya I don't know, ya but like there's a lot of those finance seminars what but then I don't know like


if it's like legit or like


looks like the other question like should you DIY or get a financial advisor


no but then I feel like it's like another stigma is like like in singapore at least when when someone wants to come and speak to you about money you the first thing you think is they try to sell insurance or something


do you know like what kind of thing he's going to speak to you about like just financial planning


that that like one of my other friends also like she met with like, this someone like I don't know like financial advisor or what but it's just to talk about like you know how to save and earn money I guess, and then, the person was kind of like I just like kind of long term planning then ask her like


you know was she planning on getting married or whatever then she was like uh, ya she for she was like, for now uh not really then the person just like, well assuming like you do get married then both you and both you and your partner earn this first I think so ya then


then then I realize, in singapore it's quite hard like especially, especially if you're single, to like earn that money I guess and to like invest in, big properties like house or car, unless you are really like in some well paying job lah


, but not too with that


but ya like for now like there's no urgent need like because you're student then you think like, you're not even earning that much money like for what you need, ya I don't know leh like, okay wait why do you think there's a need like right now like maybe not like why do you think I need to go see a financial advisor now and not like a few years


what okay like one night I was talking to my friend then like, she's like she, like uh she's responsible like for her own insurance now so like she went to meet like the insurance person like to talk about her health insurance or something then me and my other friend were just like oh we still like leave it up to our parents


but like like you're so used to like leaving it up to our parents and then that that, you're like oh shit I need become independent and like learn all these things on my own


these kind of financial stuff like you said like because it seems like everyone's out to get your money you kind of like don't know who to trust


like what one for like if you die in a


okay do you like to talk about this other topic do you think a person should own a credit card


be, I don't know if it's that one or it's just another thing but ya like


ya like the thing that like gave me a very bad impression of credit cards is like, because people keep like scaring saying like oh because like if you don't have control then like, you can just like, buy a lot of stuff then like end up racking like a huge bill then not being able to pay and then like


also because you have to pay interest and stuff right if you are late, ya but then I also saw like other people saying like, you know suppose like if you go overseas or something and then you like example happen to lose your card like it's in a way safer if you use the credit card rather than a debit card


because if you lose your debit card then it's like the people can assess your own bank account money you know, but if you lose credit, like if people manage to like get into your debit card the bank account


but for credit card like apparently because it's like the so called the bank that's paying for you first right then after that you pay back for the, bank, so even if you lose your credit card it's not as, like dangerous apparently I don't know


as in that's what that's what I remember reading online then I'm not sure how true it is but then also like, those people I guess who tend to like, like spend a lot like, credit card is good because you get like the points or like the extra rewards and stuff


I mean ya if they just as a whole lah but I think the person try to say like, losing credit card means like you don't


like there isn't that big a danger of like losing all the money


then like after you say it's like I think when you when you spend then you see your bank balance going down then your heart pain then you think, ya I I still control my spending


what financial advice to give leh like, because for me it's like, when you're school then you just get pocket money then you just, I just save quite a bit ya like, like what what financial advice are you going to give a student, like invest then


as in ya lah I think maybe I


ya I should have told myself to you know be more proactive and like, searching ya it's searching for that kind of stuff, ya like, like like think for myself and like you know not be lazy and like if I want to switch banks because the interest rates are better or whatever then just switch


uh not really it was only like a few years ago that


like you got a card by yourself, or or like my parents was the one who like help help me get, , no okay like in my case like


okay first I I got a ATM card first then only after that I got a debit card, no okay so ATM card right is you can go withdraw money from ATM but you can't do like online shopping and stuff


so it's more limited in a way, yah, ya but I don't know, okay ya I don't know lah but ya anyway I just did it first I I didn't even use it that much like


because I pretty much only just withdraw money to what like top up my EZlink card or don't know what lah but, ya like ya so it was quite useless then, after I got a debit card I started using it more lah like obviously


ya lah you don't need to like run through with like your parents every time like last time if you had to, buy something you have to go and ask like oh uh I want to buy this like can you help me buy


ya ya I think like that's the other thing like you kind of don't really know where to go and start looking for like financial advisors !duh! unless like someone comes and approaches you and says like oh like I want to like discuss finance with you okay oh okay


part three negative experience, !yay! we finally did it , okay oh, yes oh my god I'm ready for this, yes


yes no because uh okay like you know the mainstream ones like Koi Gongcha all like they're pretty fine for me lah you know some people have preferences like you know some, people say they think like this particular kind of milk tea from this particular shop sucks but to me it's all pretty much okay like think my taste buds are quite dead but this one in this case right


ya okay but this case right like, me and my friend had like gone to like some shopping centre then at that time like, like you know one of those newer obscure bubble tea shops from like overseas like open up


ya so it's like, those like I I I can't remember the name of the shop lah I I don't know I think it's one of those from taiwan something but you know it's like those very authentic like, oh like VD bubble tea that kind ya so it's like a bit more ex than the other mainstream ones lah then so me and my


ya ya that, that some cardboard thing around ya ya ya I can't remember the name though the thing is like they had a lot of interesting flavours then me and my friend never try before so like


(hmm) okay since we're here right and they only have like a few outlets in singapore at that time at least, so like okay let's go try lah then then I remember we pick two different flavours it was a wild bet so I also don't remember what flavours we got lah but I think mine was still okay my friend's one tasted like seaweed or something


, ya seaweed like like seaweed yah, no no no like, like it was, like we pick a different flavour from usual lah so not like the typical milk tea or caramel milk tea like some stuff but it's


the description seemed okay when he drank it then it was like ya it was like because it wasn't like very sweet also, and even now I can still remember the taste oh my god I can't remember anything else but I can remember the taste


ya the thing is we ended up like sharing our bubble tea so like we're trying to, like both finish hers but then also like drinking mine to kind of like get rid of the taste, but ya like


you know the thing is my one still tasted okay lah but then since hers was like that kind of weird taste you weren't expecting I guess it kind of just like, that thing just overwhelmed the whole experience for us so that's the only taste I can remember, ya and then like I I


haven't gone back to that shop since lah because it's quite far away, because it's quite far away not that I hate the shop or anything but yah


wait they actually have a seaweed bubble tea


ya it was it was a interesting experience but then also like you know you drink bubble tea like okay for me at least lah I just want to enjoy it like like I'm not really adventurous when eating so it's like then after that just like you end up just going back to your same old tried and tested stuff


healthy bubble tea


because you are trying not to be graceful but to her maybe like so like fussy customers will be like why are the pearls so at bottom or something like that


a item that became damaged or not functional after a short time, you want go first or I go first, okay, okay mine I think you already know but then my phone


like after, six months of using it it just suddenly died on me and because six months like damn short for a phone right and then okay ya so what happened was like I was just using my phone as normal one day then suddenly the screen just went totally blank, then I tried charging it and everything then it just wouldn't come back on again


then like, at that time was doing circuit breaker also so it's like I had to wait a few days to even get a appointment, then I finally went like, okay firstly it took like damn long there lah because they didn't have a lot of people working


then ya then, finally by the time they check my phone and everything and the guy said oh it's some internal software issue, so like, they legit couldn't do anything about it like they just had to give me a new phone, then the thing is like, ya for free lah because still under warranty what


but then the thing is right the thing is, like I hadn't backed up, in that six months I hadn't backed up a lot of stuff like my photos and my WhatsApp, so my phone died like, I just lost everything then like


okay at first I didn't even mind being without a phone because I could still communicate with people through Telegram and stuff lah, but then when I found out like, no my photos and WhatsApp from like the past six month are gone, then I was like I was damn angry and upset lah because


there was like, quite a lot of like important stuff or like nice things, and then it's all like permanently gone, ya then I was like damn upset initially but I'm like, because like, can't do anything about it already what


then, no no it was Iphone, ya ya the the thing, thing is like my previous Iphones like lasted like at least a few years, so like, ya so I didn't have any problems ah but this one just died on me after six month I was just like what the hell you know


then after that I'm just like okay I can't trust anything in this world already then just like just started backing up everything, yes, ya because my my friend just started recommending me stuff like oh you can use this app to like backup your photos and all that kind of stuff then I'm just like okay


ya okay the thing for Iphone right is like you can only backup WhatsApp through Icloud, and since like I refuse to pay for the excess Icloud storage I only have like five gig free


I used to do that I used to like after awhile like, delete my WhatsApp then I used to feel no I used to feel no like


ya but now it's like my heart will hurt, yes no and then, and then sometimes you know when you're talking to people you can just bring up like embarrassing stuff from the past okay ya I'm like I'm like so ya


ya like when I just buy those kind of stuff like for cheap from Lazada or Shopee or whatever I just, tell myself okay like since it's so cheap I shouldn't expect it to be super long lasting, like it's always a gamble with my money


skincare product that you avoid, but actually I don't really many like, bad experience like for me, at most right, ya I stick to a similar I never really try a lot of different stuff like because I'm not I don't even do that much skincare in the first place which is why my skin is so shit but anyway like I haven't had super bad experience to the point like I got a allergic reaction on my face breakout or anything


it's more like, it's bad because it doesn't really help, my skin like my skin doesn't improve lah


like I had this like , face wash like from Himalayas that I used to use but, it didn't it did, no it didn't help to improve my skin like after like after that I started using, Cetaphil right but


then when I started using Cetaphil I feel like, my skin really improve lah like in terms of like getting less pimples and stuff, ya I feel like the Himalayas one I still use it from time to time but when I used to use it daily right it didn't really help improve my skin so like


I feel like that face wash I use just doesn't work for me lah, like in my case, but it's not like I wouldn't recommend it to others, like it's yah, I just felt like cetaphil's better for me


using it for the longest time also but it didn't help my face,


like it doesn't get absorbed into the skin


I I ya brightening is fine I just don't use those whitening ones because like flower


part two positive experience, okay yes you want to talk about any positive experience you've had


because it's been a while since I, talk to a customer, service agent over the phone


ya right like I was like oh my god I feel so bad but I feel like we all like to complain


isn't that like for the telcos


okay ya for me ya I used to like have to make appointments over the phone sometimes, like for my dental my dental and staff lah because I used to wear braces mah ya then sometimes like if I had to change my appointment or whatever like it was faster to call than to email lah because


mail they will take like, one or two days reply but ya everytime I just call on the phone then it's just very fast then they just quickly tell me like, oh like okay this day it's, like, it's free like if you want can switch appointment to this day like it's very fast and efficient yah


so are you all like the VIP customers for there


because you feel like you trust the person then you can open up to them is it


for me like I don't really like calling people in the first place so like, a lot of the times is just like setting appointments and stuff because it's very it's like fast, faster to do it like through a call rather than like email or whatever, ya but ya so it's like usually those like you know clinics or whatever but ya it's like usually it's positive like those kind of stuff


you are like cancelling last minute but then the people are always like very nice,


okay I've had quite a few nice dining experience but not like not at atas not like atas places lah it's like like, , no just like you know just like those like restaurants in like shopping centres or what that's not too like fancy you know


a bit more casual it is but like, I enjoyed it lah but it's like I don't really like rate the restaurant, like where do you, like if I enjoy it right then I'll just tell my friend like like I don't


like where do you even go and like rate stuff online, like google reviews I don't know , this is give positive ratings what that means it's like online right


, okay but have you done that have you like gone to a restaurant and then you like the food and then you told the staff


oh so they're scooping out from the, ya I've never seen that in a thai restaurant also


but as just like a set price


I haven't been there in a few years also so I don't really, really remember much what if for, no but I have had like like just like uh sometime ago like you know my friend went to this restaurant then like we decided like the pancakes look good so we decided like after we ate our meal we just decide to get the pancake to share lah then for me like


usually I'm quite fussy about my pancakes like I don't know why like, ya like, a lot of times the pancake just doesn't sit well sit well with me and and I also like quite fussy because I don't like stuff like whipped cream you know and the maple syrup I also sometimes it's like


too sweet or too thick for me ya I know I'm annoying ya but that one like it was legit good because the pancakes right like, how to say like super soft and light and then the maple syrup I also like, my friend also doesn't usually eat much maple syrup but the maple syrup they had was like really good then just end up like pouring everything and what it was like one of the nicest pancakes I've tasted but then like I never tell the


staff lah because because, I don't usually do that so it didn't even cross my mind I was just like !wow! this so good then I was just like telling my friend then like I found out like, coincidentally a few of my friends are also planning to go to the restaurant lah so I was just like oh !yay!


oh okay okay


I guess I should start doing that too , okay you want to talk about your positive telco experience now


so that person like patiently explain everything to you


her job going to get annoying after awhile is it, okay for me like I don't really call about TV lah for me mainly if I have to call like it's about the wifi like either the modem not war working


or like you know sometimes got disruption and then the wifi just like, is gone, ya then like again for me like it's usually either my dad or me lah like the rest I don't know why don't want to call or something ya then like okay


then okay then one of the times was like it's something to do the wifi I think like it just I don't know why suddenly couldn't connect, and then like , at that time like the computer also like, was connected to the wifi was connected to the wifi you know it wasn't like those LAN cable or whatever


so like ya like there was no like wired thing to like connect, to the internet lah like even on the computer so like I just, ya I just call the telco person then someone pick up then I was like, okay at that time I legit had like no idea how those wifi stuff worked


so I was like trying to use the mobile data on my mum's phone and like trying to do something then the person was like oh no you have to like, like because if you want to access the modem settings you need to, to do while connected to the wifi of that thing


ya I ya I don't, don't know ya at that time I like some blur blur I also don't know anything so the person just explaining to me how to do it lah like how to like connect then how to go to that certain page and then like change the options or the settings or whatever


then ya it happened a while back so I don't really remember what was the problem or what but ya the person person was like patiently explaining then finally like managed to get the thing to work, I was just like oh !wow! okay


okay my I went for tuition a bit but like, it was it was more like individual teacher so it wasn't like a tuition centre so I didn't have to like, call the tuition centre or whatever, like it's just liaise directly with the teacher lor


then you're like amazed she remembers you


part one finance, okay do you want to start with the you want to start with the first one


how do you invest your money to accumulate wealth and or planning for your retirement,


I know right that's damn scary which is why ya which is why you know when when all like when some of my friends who are older and are already working and then when they come


and then we talking about stocks and like where should invest them and I'm just like I don't even want to put my money that I have like the very little money that I have anywhere I rather just save them but I don't think that's wise though


oh !wow! okay, right (uh huh) wait you saying something


yup but do you know what you want to know something interesting so right do you know big hit entertainment they are going public so you can find the shares or something you'd probably like invest in


them I think people were saying okay initially people will saying you can like buy those shares for hundred and thirteen dollars per USD per share or something, but then now apparently it's going for the high end and then I was like if it's hundred and thirteen just take my money I don't mind I think it will like I think it will grow a lot but then now they're saying it's going to go like the high end so I'm like okay fine whatever


, is that how it works no what


okay the point the point that you you're going to get from this as that uh I'm not going to invest for a very long time until I make enough money, or until I meet someone who, can handle my money which is very difficult because everyone is just out to get your money now so


ya okay okay (mmhmm),


yup, yup oh my goodness I think we've been talking a lot of nonsense on this but we don't even want to


, right I've never been to one and I don't plan to going to one because my first brain can't


handle anything related to money for now okay okay (mmhmm), do you want to know something you know what I am going to meet a financial advisor this week


, you have to know this is so it's so like coincidental that we are speaking about this now because one of my friends she was like yo my friend is just working


part time doing like financial advising stuff or something so, he just wants to speak to you then I just like alright I feel bad for him okay


ya so that's what I asked so I was like are you sure the dude is not going to sell me anything at the end of the day if he he's going to sell anything then I do not want to speak to him and he was like no no he just wants to speak to you then I'm like that is a very decent human being so


(uh huh), okay so just so you know like I'm with, our mutual friends they have all like spoken to him already so


they were they were like ya he just speaks to you about certain life goals like you have and how you can save for it and what you can do for the for like to achieve those goals and I was like okay that's sounds like something that I need to know because I've all these plans


but then uh don't know what to do with the money or, like how to get that money ,


yes yes is it the same person


yeah


because, right alright no it or but I think at the end of the day yes you should like I think it is necessary for people, or not who have no


what do I say thinking or idea about finances they should get a financial advisor like people like me from a very arts and science like faculty yup should totally


get like some money person to help you out with life because you have to be independent right and then you can't just depend on someone what if that person you're depending on just like absconds with all your money then, yup, okay so would you get a financial advisor or you just


because okay before you even start working right you should at least like have an idea of what you want to do with the money and how you're going to like make it grow so to speak and you you need to have like you need to have like those plans early on and dude, we we are going to probably like in our finishing stages of university come like I have to probably learn all these things early on if not I'm just going to get it stifled of me


oh my goodness ya my friend also like she she had to go speak to the insurance agent so she can get her insurance done then I'm just like what insurance and then I realized how dumb I am because I don't even know what I'm doing like do I even have insurance I don't know


yup and this is why this is why they are like


you are not independent you can't go anywhere probably because of the nonsense that we do ,


right of course ya I mean okay but I like at the end of the day we should get a financial advisor it'll be used for the both of us and then ya and then for insurance oh my goodness you know what I was reading about it


insurance because and then I was like there are so many types of insurance !wow!, like within life insurance itself did you know there are two types of life insurance, see this is knowledge oh my goodness like there is


no everything is for if you die but like , one is called a whole life insurance or something and then the other one is called uh something like term life insurance or whatever like the whole life one is apparently like it last for your entire life but then it's more expensive and then you apparently you can also grow your money there like


like there's some investment that goes on with that insurance, but of course my mind like can't handle the, like the math and the stuff that they were saying, and then there's also like the term one the term life insurance which is only for a set period of time it's cheaper


but you don't like your money doesn't grow or something like that yah, and everyone is like if you are rich you got to take the whole life insurance because it's better for you I'm like okay I'm not rich it's like we're really going off tangent


what, a credit card [orh] okay okay, uh for me no, I mean credit card like I I don't even have I can't own a credit card now do you have a credit card ya I


also only have a debit card like you have to earn a certain amount right to get a credit card, I is it is it the is it the frank OCBC uh USP I mean at Utown U NUS


where they were giving out free stuff , , really uh no I wouldn't I think I think a credit card is super scary man like you just what if you just keep buying and buying and buying and then you


okay then for credit card


that is a thing I mean is there, (uh huh)


what okay I thought you know if you lose any card that you have it's just dangerous on the whole


I mean true I guess from what you're saying but to be very honest a debit card would I feel at least I feel like you know right if you have a debit card you would you would want there to be like a positive sum of money


and you you would want you you would know like okay oh my goodness I used this much money and I really want that money to be left like I want this much amount left, and you will like really it really help you with trying to I don't know lessen your spending with a credit card right I feel like you have no you have no


like set uh money in mind or whatever and then you just keep buying and you can just you can just go crazy or say like yeah I'm going to earn a lot later on yeah and then you don't end up with like at least a positive sum or something I think that's the idea that I have at least


I don't think I would ya I don't think I would I would want to get a credit card even if I start working,


ya ya ya ya I mean ya that's that's right wait eh do you want to do you want to speak about the one financial advice that you would give to you the you five years ago what would you tell yourself not even five but like, early like before this


you're the worst man, !huh!


no but like like where you should where win, how much should you uh save what should you save for what are the different things or like


uh which bank is the best bank for you to put your money


but did you even like handle like your bank account or whatever, when you were younger like five or six years ago


I know right ya ya me too I even only like a couple of years ago, I was the one that like went and did everything and my parents was like !wow! she has grown up and then and then there is like


ya like I did everything by myself like I went to the bank and everything and then I was like, what the I was like


wait eh wait wait wait isn't it the same thing, okay, (uh huh) then that's so useless why can't we just put it all in one


but then you will also get pocket money on the side, ya ya ya I went first and I did all like the debit card stuff because I was like I got to


learn how to do this so I went and did it myself I mean my dad just drop me at the bank and ya I think I think I I know I told him not to come or something along those lines and I even even in even in my heart I was just like okay I got to I got to show that it's mine so I didn't add his name


anyway so, ya ya so I went and I did all that at at least should get an understanding of it so now no one knows like all that banking stuff and everything I'm the one that does it like any issues or whatever, yah, ya from my from my own card like no one which I think right gives me a bit more freedom in buying whatever uh I want so


, yah, ya so now I'm just like yeah I bought this but then they'll be like you know you got to tell us all these stuff even if it's your money it's ya like you have to like inform us then I'm like okay


, yo I will hook you up with this person I'm going to speak


to at least, you would be helping him because he's doing this on part time and when one of my when one of our friends asked why you are why that do, he's doing it because he's studying as well so it's like I got to pay my fees like I got to pay for my university then I'm like


[oh] my goodness I'm ashamed of myself I will help you with all I can, [oh] [oh] okay


part three negative experience, , ya okay okay wait bubble tea you want to start with bubble tea


you don't have that refined taste okay


do they give it to you sorry do they give it to you in like that like like the the rope kind of thing [orh] ya ya ya okay okay okay


(uh huh) (mmhmm)


okay, what in the world seaweed like what, like sea was it seaweed uh seaweed bubble I mean wait was it seafood bubble tea that they add like stuff to it


oh my goodness how did you how did your friend even like drink it, err, (ugh) okay


!eww! !wow! okay


yo yo that's gross, yah, I I mean at this point uh don't you hate it because you know they have a special taste called seaweed bubble tea ya oh my goodness !wow! you know I've never


(uh huh), no what the like the the fact that that bubble tea tasted like seaweed, ya oh !wow! that's I mean that must be such an interesting experience though I will love to taste it


ya I mean okay for me right I really don't have like a very bad bubble tea experience


maybe like it isn't like very very bad or whatever but, the because I usually like stick to uh stick to drinks I mean stick to the flavors that I like for bubble tea like other things I'll experiment and all but like bubble tea right it's it's kind of, I mean sometimes it's a it's a bit expensive and stuff like for that one like simple drink and you just don't want to waste it what if get something I don't like then I have to like drink the whole thing and I really do


not like like #chin chow# is it called #chin chow# grass jelly right yah, ya I really don't like that or like you know those those like like nata de coco or those yellow colour I don't know what they're what they're called but yellow colour jelly like anything besides pearl for bubble tea is just no and and


so like those thing so I just do not experiment so there's the only one time, that I drank some okay no no there were couple times right so, once this person uh I was teaching I mean I was in during work I was working right and then the parent wanted to thank me or something then I'm like oh so sweet but the parent gave me this bubble tea right it had


fruits in it like , I know I was like I'm so grateful you gave me the healthiest thing but, like it had fruits like I'm not even talking it had like a whole fruits like a chunk of watermelon a like a slice of orange a slice of lemon slice of a like melon and I'm like what is up with this tea and then the


no it was a bubble tea that's the thing then like I was like how am I gonna eat this so like what is this even and the thing is right she gave it with a straw how do I eat a watermelon with a straw


I'm like this is insane okay anyway but I it's from a bubble tea shop and it's it is tea the drink the water substance is tea , so it was like that was that was weird and then there was this other time right then


this was just like probably bad customer service or something uh I want I went to get like oreo oreo what the crushed ice oreo something right you know the very famous one that they have in like those uh neighbourhood bubble tea shops so I went and I asked for bubble tea with pearls


then the lady didn't hear the pearls part of it she just gave me that oreo crushed ice then I'm like uh sorry I asked for pearls then, she then she was like oh oh okay and then you know what ah oh my god you could just add the pearls on top okay so this oreo had like whipped cream and everything she could just like


shift the whipped cream a bit and just put the put the pearls in the side right, oh my goodness she like removed the whole whipped cream like removed half of the drink also, and she put and she was and when I saw her remove the whole whipped cream I'm like oh my god is she insane like


this is ridiculous so I was okay no no no I don't want even want pearls just just forget it put the whipped cream back and just pass it back to me because I was like this is she's crazy and because she was just trying to empty the whole thing to add just the pearls in and then the next time I went in, (mmhmm)


no I was just like it's fine just, just put the pearls onto I told her no no no it's fine just put the pearls on top then she's like uh okay and then she just emptied like half of it like you're insane and then oh there was another time right okay this was actually I mean this is a bit bad but another time right my sister asked ask me to get like the same oreo thing from her so I was on the way from on the way from like


some work or something and then uh I went and I I went I was about to buy but then right she started coughing like she went to the back of the room and she's like coughing then I'm like , heck, no am I going to buy anything from this place because this was COVID time as well right and I'm like this is unsafe this was like recently very recently I'm like this is


not good and then people were still buying and then like she would go to the back of the shop and she coughed and came back she didn't wear a mask oh my god I'm dying, I know this is the most unsafe thing ever like I I and then I just called my sister and just like yo I know you really want that oreo thing but


I'm not going to risk it I'm not going to risk your life for oreo, oreo bubble tea ya so that was that, okay wait wait we should move on we should move on, damaged not functional


wait I have I have something in mind but it's weird okay okay you go first you go first


for free right


oh ya six months okay, , okay


okay


is this android !wow!


okay !wow! alright, ya Iphones usually last long what what do your parents say


what that's, , that that's a radical conclusion but okay I shall I shall learn from you,


but android usually like android usually backs things up easily easier then Iphone, !wow!


it's okay you know what that's a good thing so right you just renew your WhatsApp and then you just forget your past conversations and you're refreshing your mind , !wow!


remorse regret memories !wow! what kind of wonderful conversation


okay yo for ya ya for me right honestly okay I have an item but honestly right I had worse experiences, with with like I do I wouldn't say this is okay you know what let me just talk about the item first I would I've had worse experiences with talking to people


when dealing with services and stuff when having to get things done like I think you know as well because I was ranting to you about like my visa and stuff right so like the worst bloody experience for that, because they just but okay I'll just talk about the item so right I bought something from no no no I didn't buy my cousin bought and sent it to me like


what is it called it's it's a hair removal you know it's like an electric hair removal, it's super super cool it's like it's just like a tube right and it's only ten dollars by the way oh yo she bought it on like lazada or something like of course I should have known like in hindsight I should have known like use my brain but it was


ten or thirteen dollars then it would it would remove your hair and everything right and then my mum was using it like it's a small thing and then it just died within a week then I'm like what kind of useless like how did I like mine was functioning for sometime


I'm like this is great and then I was I will like clean it I will like take so much care for it, and it died in like the following week and I'm like this is insane this is ridiculous I cannot believe, my we wasted twenty three or twenty six dollars because we bought two right on this and


like honestly I I at that time I, I felt upset that's one side but I just felt disappointed in myself, for like having like like thinking that this was a good idea to buy something so cheap on Lazada


like I should have just was it Lazada ya ya I think lazada ya I should have just got like the actual thing I think it's something like an epilator but it's like it's like small and it doesn't hurt at all you just put it to your you just put it to your skin and it just removes hair it's pretty cool yup yup


but like some


ya ya right and then , wait besides that item I just, I just keep thinking when whenever I think of negative uh products right I just think about one thing like no no two things like air flight like flight experience not experience but they shifted our flight timings they were like okay you would it's okay you would end up in


uh in singapore at the same time, if you if you go to malaysia and come because you know the singapore flight like the direct flight to singapore is going be a bit late, so it's fine you can uh you can you would just end up at the same time you can take this fight to malaysia so we were like okay because that's what they told us so we said okay fine and then uh we went we book I mean got that malaysian flight I mean this is on the day like we are at the airport and we are like there speaking to the counter the person in charge


and then they were like okay and then after awhile they were like oh uh uh sorry uh, the malaysian flight right I mean the flight that goes to malaysia and then singapore ya you would be like two or three hours later then if you actually directly went to singapore but then we were like


are you kidding me and my mom got so pissed because they put our names in that flight for malaysia and they shifted and they shifted thing like shifted people around then I'm like you you must be insane you you're like literally cheating us, and I have never seen my mom that angry and even I was like I was just like


glaring at them like (ugh) I was trying my best to give my mom that support it was like really really annoying yup yup anyway okay ya we should move on we should move on


you stick to the same things


or do [orh] what do you usually use to to like I don't know like that didn't improve the


(uh huh)


, really oh okay


[orh], I I used to use


, ya I guess I used to use Himalaya herbals is it Himalaya herbals ya as well for face wash and like it was so useless but I still use it for quite some time like it was really it did not do anything but then there was this I know right


ya I don't know why we I don't know why I stuck to it for such a long time anyway then the, there was this there was one okay when you go to when you go to india right there's like this we can you can buy like usually we buy kind of herbal uh creams that moisturize and whatever so this person the person at the shop was like


yo this is really good for your skin like it will really help you and it also has sunscreen which I was really searching for I was searching for a cream which had sunscreen then right, like I don't know what's wrong I mean so my mum bought it like my mum bought like a whole set of stuff because she really wanted to improve her skin and I was like ya I'm just going to leech off you so


bought it and then the the cream if you apply it okay first it comes like some thick, thick puke okay this is this is just comes out like some poop or something okay it's like really weird, and then it's really thick so I was like okay maybe this is a thing but then but it smelt good okay that that's fine but when you apply it it would be like you uh painted your face white in the sense that it would just be like a layer on your face like even if you even if you ya yah


ya ya ya even if you if you you like try to massage it or whatever when you when when you go out like in that when the sun shines on you you can see the white on your face , and I'm just like this is horrific and I would still wear it outside and I got pimples and I'm like this is this is the most useless thing and it was supposed to like what was it supposed to do I think I think it was supposed to brighten your skin or something like that


ya I think it it said brightening skin but literally it just whitened me like literally made my face white and everyone and we all used it and we were all white for a period of time it was just it was just ridiculous I would never ever like I don't use it now or any of their products oh okay


part two positive experience, , goodness cannot match the timing


you want to go first describe a moment where positive experience with a customer service agent over the phone, ,


yo I think I will do very well for the negative product review, , no wait wait wait for positive okay there's one right where I when I spoke to


the Starhub is it Starhub ya the Starhub dude and I was just like [orh], but I customer service agent online then I usually like I mean on the phone, then I don't even I would only speak to the telco people


ah, yah


okay, for what, oh okay


of course the people are going to be friendly like what do you think they will be like, ya and then


for me for I think (oo) there was this one time right, I I was speaking to this person where I think I I wanted to, order something for like I wanted to order food for someone it was like some Instagram


uh (oo), (oo) now I have like more stuff that I can think about now that I thought about Instagram ya like like uh I was ordering, food for someone and then the person was like oh okay I mean oh that's so nice okay whatever and blah blah blah it was very nice but that that's that was like one of the many and then I mean one small incident but then dude I will I used to I like to buy shirts you know those cool like hipster shirt


they never say okay because, on Instagram on this Instagram online shop right and then they, they were like so nice oh my goodness because right I was I was like ya I want, this this this and there were like four different things that I wanted and in total was like fifty two dollars or something and then they were like yo I mean can you just send it again blah blah blah and it was just over paylah and everything so you just have to like quickly pay then they were like okay we will send you a free thing then I'm like oh my god a free thing for what but then of of course like


I didn't ask for what in case they like take it back or something, so like I was but then ya ya so they, so it's like ya I'm just going to throw in a free thing for you and thank you so much and the person spoke to me like as if I was her friend and I'm like thank you so much and then you know what you know what okay this is this is the funniest thing right so the the person was like how did you get how did you get to know of us or whatever then I I I knew of


the I knew of the shop like early I mean early on because I for the what is it what is it for our CCA I mean for our supposed to like CCA right we had to do like fundraising or something and then we got stuff from them and then we sold it and like commission or whatever so when I got to know of them then I introduced it to my sister right


and then she, buy so many like she buy so much I just bought four she buys like ten in like bulk or something right so so when they ask I mean so I just casually like like in like ya I keep borrowing things from my sister so I thought finally I should own stuff for myself and then they like oh who's your sister


and then I I said the Instagram name and they're like oh my god I know her and there was like weird emojis and all, then I'm like okay it's kind of weird but alright I shall take it because you seem friendly , the I, I don't know oh my goodness maybe because right they were like ya I know and then I ask and then I asked my sister what is up why is she like why is this person


on this Instagram shop like talking to me like we're as if as if she like knows you really well and then just like yeah I chat with her like I know her then I'm like that's so weird but cool man cool that you speak to a whole , online shop company ya so that was that


(oo) (oo) (oo) and then , this is this isn't particularly for a I wouldn't say this is for like a product or whatever but this was just speaking to someone on WhatsApp like, uh for I was just what is this forgot what it's called but it was for some like a hotline to inform people of some


some stuff, oh my goodness I completely forgot what it is but then the person right ya ya I I forgot what what exactly it is because it was it was on whatsapp and then it was like the same thing where you will like speak to the person and then person would be like and the person was super nice and and I was like


should I give more information should I like share everything about me to you, ya ya then I'm like wait that's so weird what's wrong with me so I just I have to shut up ya so this was like one of the those experiences with a customer service agent but


like did you have do you have like any nice ones anything else, what the


yah, ya even when I call clinics or even when I'm like I mean when I cancel on them for like reason


, they're like it's okay you can inform us later on then I'm like okay I, will but ya okay so there's that then, I think okay describe a time when you had a nice dining experience and you gave positive ratings to a restaurant


(oo), where , what the like the food courts I had the best experience,


then what did you do do you do you not do you just go in and like okay I eat and I leave


no you just like , you just go tell the person like yo uh it was good I liked it


I no I mean I think like positive ratings could be anything though can just be like, five stars to you no I'm just kidding,


ya I do that very often ya I mean like okay I'm not I'm not, so weird I mean okay no no no it's not weird I mean I'm not the person who will be like uh go online and like type it on burpple dot com or like those food review like yelp or something like reviews and all but


for me oh my goodness you know what like recently right I went to eat thai food I think you know with who but like, we went to eat thai food right and there was this there was this one waiter he will like come he he would come and he was like because you have to buy I mean you have to we all ordered rice and then


we thought it would come in a bowl but it didn't come in a bowl like the the waiter like had to scoop it up for us you know in like all those indian restaurants, they will like come and give you like rice from a big pot, ya I didn't know I thought like thai thai food restaurants they would at least like put in bowls but okay so


really ya ya I've never seen as well then I will and then uh because we only there were like five of us and only, four of us ordered rice so we wanted to like I wanted to split someone else and then, uh the person was like uh no no no I asked the person uh how much rice would you give


us and then, and then the the guy was like how much ever you want ma'am and then he will and then I said uh do we have to pay more if we want more and then is it unlimited, like you know like in indian restaurants right you just like they just keep giving you and like they just keep giving you it's like unlimited


ya ya ya so it's like is it is it unlimited because sometimes they will just bill you then we like and then like ya uh I mean whatever is up to you ma'am whatever you, say then I'm like whatever I say that is amazing , and then and then he was like ya he was like laughing and all and then


he will just like he was like awkwardly like giving us the food I think it's it's like a young dude you know those young waiters right they're the cutest ones and then I was like oh thank you so much and then I was like, really really like I was really really like exaggerating everything but it was


it was so nice and the food was also pretty good the thai food wait can we I think we can just, sorry Bali thai I was like I want to give positive ratings to this restaurant , I know I have never been I think the the last time I went to bali thai was like super long ago


wait but you have no good experiences at a restaurant


(oo), (uh huh), !whoa!


you're so annoying ,


ya I'm ya usually like if I'm like really taken by the the restaurant either if it's okay if if I'm taken by the restaurant right like if it's the ambience or the decor when they're asking us like what food you want or whatever I'll just be like you have


oh really nice really nice lights where did you buy these light that's like really nice I will just like casually like do that weird conversation thing and then and then if if the food was also really good at the end I'll be like thank you so much the food was really nice like and I hope you like good luck with you guys or whatever I will say some something like that


because I'm like I have to have to show you my feelings like, eh yeah alright the last one last one, oh ya uh


this was ya with Starhub right and then I was I have, I don't know why but like my, my parents think that I am the TV person I have no idea why like


I I don't know how I became like this technology person in this house like it's either me or my dad and it would if it's the TV then it's usually me because usually my grandparents also call me, for TV like they are they are like not even in the same house just they're a bit away and then they'll be like yo the TV I can't watch anything so I have to like go quickly like to their house and fix their TV and all they need to do is just press a different button


anyway so right so I had to they were like ya you you call the person you, call Starhub so I had to go call starhub and I had to like of course I suck with wires and I suck with anything technology so I had to like ask the person


slowly can you please say this again and again and I was so annoying I was so annoying, to the person and then , ya and then like the the guy was like, yes ma'am can you just press switch this on can you like


uh put this in a different place like put this wire in a different place like so what is happening then I'm like I don't know what I don't know what I'm doing anymore and then the guy was like no it's alright wait I don't know if it's a guy or girl but the person speaking ya it's alright it's fine and they were like encouraging me like


ya it's okay you can do it and then you can like put just put it here it's very easy then I'm like thank you so much for making me feel so smart , , ya I was I was like okay I talk this person you know because I always feel bad for these for like the customer service people who tell especially for tech stuff right because imagine how complex like you can't see what's happening here but you have to explain it and how many people you have to explain that to


that must be insane, ya I know right I mean like how what did you have like any positive experience for uh telco


because you're the oldest


(uh huh)


oh my goodness okay


ya I mean I feel like I feel like it's it's been some time since even I called a telco like to to ask them about the stuff, or whatever and usually they're pretty nice which is great and then


ya wait what else man I mean do you want to do you want to talk about, uh like, have you have you spoken to anyone for education or training like tuition do you go for tuition like tuition centres and all


uh


oh for me for me right because I had to !wow! I cannot believe I used to go for so much thing wait not so much tuition but anyway in in JC then, I had to go I went to the centre usually I don't go to centres usually I just go like try to get someone home or whatever like one to one and for this one


the centre and the lady was the lady was like really really like soft was she soft spoken no you know what she used to remember our names that's the thing ya she used to be like and the thing is right that


that centre was really really like there were there were a lot of people in that centre they are very popular tuition centre and I was just like, !whoa! she remembers our name and she's like the the front desk person and all so I'll just be like hello like I need to do this because you know since it's a big like tuition centre they they have a lot of like admin stuff and whatever and they have like


no no no she will first no no no she won't be like oh ya you're that person no no no she's not going to she's not like that she would like she would I will call and then I'm I'm like yeah I'm this this this blah blah blah and then and she will like oh you're that girl from


there blah blah blah ya I'm like ya I'm Samiha oh right Samiha ya I mean but the thing is like she the the fact, that she remembers who I am and you can actually see it even when you when you do it when you speak to her face to face like you she will be like oh right you and then she will like call the person by name and get things done like admin stuff


like I don't know pay payment and attendance stuff you know what this was this tuition centre was like a legit school kind !wow! it sounds weird now that I'm stating it this way which tuition centre is like this, anyway but I think it's really nice when people actually like talk to I mean get to know your name yah


and like it's very difficult to do that I mean, if you know me like I won't remember your name I won't remember anything about you except the fact that you remember mine I am touched I am so grateful for that , ya I think ya I think that's that's it for me like


a lot of bad experiences good one of the few, (mmhmm)


but the thing about finance definitely the first thing comes up comes is money and uh, of course uh finance wise uh how are we going to manage it, manage the money and steward the money wise so finance is actually is a very broad uh


subject if you should say uh ya so I think uh if you would ask me under finance like uh how would I actually invest my money uh to actually grow in the finances in my uh in in uh individual's life


uh we can we can actually discuss on uh how and I want to hear your opinion on how you would actually uh grow in your finances


so when I have a stable salary let's say uh I'm working and uh I have uh uh amount of money what I will do is actually split the salary into four parts, and the I'll uh I'll take example let's say it's about four K five K okay then five K let's say I split it into four uh parts I'll take one quarter of it and uh invested into


, stocks or property, uh that is that are actually stable and healthy and the the other three quarter definitely I will use it for personal purposes and uh and uh ah for entertainment purposes also uh and also in regards to that uh


I think savings are very important, so I will actually uh take another amount of money and put it into savings like I believe that POSB has this uh E savings account, where we can actually uh transact from our main account uh to the E savings account directly uh in a in a in a certain date that we give to them uh so that's how I actually ya that's how I actually I would do it uh so I want to hear from you how how you


I believe that over a longer period of time when we have that two percent interest accumulate then then the the deposit that you put in will grow you see uh but


talking about stocks uh POSB has uh DBS they have this uh thing called DBS because if I'm not wrong uh DBS because so I I've, uh I believe that that is another alternative option that we can actually put our money into so there in uh in the time of need in the future we can uh take that money out for certain purposes like example uh our retirement


so uh in Singapore's context uh now as as we save, uh let's say we are saving uh money ah how would you actually direct it towards your retirement plan


expenditures and also the uh also going back to the first question where where we talk about uh how how do you accumulate wealth in eh for planning for retirement ya


so I believe there are, I think there are I believe there are two options uh regards to CPF when it comes to CPF uh there are two options where we can actually draw money monthly, after we are fifty-five I believe the age is fifty-five to draw the money and also there's another option where you can actually take the bulk amount


and uh do what do you need to do with the money , so many people what they encourage is for this fifty-five and above this uh adults to actually draw the money uh monthly but the thing uh is that the amount that you get monthly from the CPF


uh can vary and also it all depends on the salary that you have earned uh this this this all these past years and also the amount is very little uh when it comes to Singapore's context and the standard of living here


uh it's uh I believe it's about, uh one to three K if I'm not wrong one to two K that's what you you would get actually from monthly uh CPF uh installments but but what what's your opinion on rather drawing it monthly or would you rather actually uh


would you rather actually uh you know take the bulk amount when you're when you reach age fifty-five


so that so you believe that is more safer so that you won't actually spend it uh unwisely on like, one shot on like you know certain certain things is it like you have the temptation to spend all of them uh one shot, ya that that's uh that's one that's one view but let's say the individual is very discipline the in their


in their in their uh, in their , they're really disciplined in the way they manage their money the way they steward their money I think they might uh these individuals might actually, uh obtain for the bulk amount of money


uh but I guess it varies it and it depends on each individual you see on what are they planning in the future like example they might take the bulk amount of money and they might use it for like big ticket expenditures like you know they might just want to


uh go with their wife to like uh various various countries like travelling and all that , so that I believe that the bulk amount also you know might help uh certain people like, some some individuals they might have debts like for the for the uh huge amount of debts and the only source where they can actually settle the debts would be uh this CPF money that they have accumulated over time


so I believe that even the bulk amount of money they have their pros, also like you said there's the cons where you know mentioned about spending it unwisely so uh coming to the second uh question if I uh what strategies would you recommend to someone planning for their


big ticket expenditures let's let's talk about uh buying a house in singapore, as a young adult like both of us like uh what are the struggles that we may face or what are the , financial planning we need to do way earlier so that you know when the time comes when we get married we we are able to


afford uh we're able to put in that uh down payment you know so so what's your what's your strategies for that


yes uh I believe that when the when I mentioned about the buying a car or house let's say , cause we see many youths especially many young adults around uh above twenty-five less than thirty when they are at the age of marriage I believe uh uh they're struggling


uh cause apparently they are not able to you know get the desired house they want uh so uh I, believe that if that individual had planned uh uh started saving up, with the little amounts that they little amounts of money they get uh like just very small portions then I think eventually over the next few years it might actually help them uh even if it's a very small percentage because of the high standard of living in singapore especially


so in in in other big ticket expenditures starting a family yes like you said that we need to be financially stable because when you start a family means uh you want to have kids and then uh when you have a when you want to have kids


uh where uh you you you want to you want to think whether you can financially support their education as well, so uh in that view I believe there are financial uh I mean uh starting a family we have to be financially stable ya so coming to our our next


point how do you how do errhow should I DIY or, get a financial advisor to plan my finances what do you think about you know getting a external uh person to actually help you with your finances


so there is a issue of trust there also you see, so when you actually hire a financial advisor there's a issue of trust cause like you are actually giving them the authority to actually handle your money and if you and if they actually do not know what they're doing


or you know they're just uh uh they're just starting out this financial advisor uh role then we would be the guinea pigs actually to lose our a lot of money so I I agree with what you actually say , moreover especially uh when we know uh knowledge about uh how to put our money


into the right places like stocks investments and uh even uh real estate is another huge, uh uh topic and the, and I think talking about stocks once again uh before what before we actually get into the stock market as young adults uh there's uh I believe that there is this


uh practice they call it paper trading I don't know if you have heard of this uh term called paper trading where actually you you take the data from the stock market and then what you do is uh you transfer it to an excel sheet and then you create a algorithm or like a formula to actually


uh help you with the trading and then paper trading in a sense where you practice your trading like with a certain amount of money in that excel sheet then uh when you really have that amount of money you're actually ready to uh put it into the stock market


but then again, but then again when you when you actually have the real money, and you put it into a stock market uh what happens is emotions come in play because you know if you are if you are seeing yourself losing money in that stock market ah you will you know you'll start feeling anxious you will start feeling nervous and uh full of fear


so I think I believe that paper trading is one way that young adults actually could, grow themselves into this habit of paper trading yes , so that that's my opinion on also like uh when you talk about financial advisor stocks and you know so next question is what advice would you know you give to someone uh if they are in debts


like, uh in ya in


what advice would I give to someone to get him her or her out of debt I believe uh in the context of young adults like , uh credit cards like actually can get many people into uh debts in a sense where they have to pay a lot back to the government and uh


I would actually discourage young adults like if they're really, uh their hands are itchy they want to buy a lot of things and they're very passionate about like uh entertainment and clothes and all that I believe that uh credit card might be an option might be a really good option is really tempting to get a credit card and you know use it when you don't have money


to buy buy things that you really cannot afford but uh in the long term what happens is it accumulates and it accumulates into a huge amount that uh you might not be able to pay off immediately so talking about


debts my advice is uh definitely uh we had you have to restrict and start saving up, money if possible uh to actually offset that that uh that that debts especially in Singapore's context cause the loans