actually I I did not use my loans like I use my NS savings, like, ya ya ya I didn't I didn't because my my monthly allowance is is you know like uh because like I you know sometimes go to university so I'm sometimes like you know we have to eat out maybe like lunch breakfast and maybe sometimes even dinner because sometimes you know project work gets out of the hand


and like you stay up late, sia so then in that case like sometimes my monthly savings just you know before even the monthly get over it's like over, so I don't use much of it but I had some NS savings so I use that, ya but like , would you like would you start investing soon or are you planning to


uh I would say, full of drinks , if I if ya for the drinks I think has spent, two days like I spent like two hundred and thirty thirty dollars not not fully but you know like four people together it's like two hundred and thirty


the another another biggest thing is birthday gifts


online shopping online shopping is the biggest killer , I see my friends like morning every every day you know during even during lecture they shop, ya ya ya like ya it's kind of, but have you ever use like a credit card to purchase stuff


you can you can just use the app's card, , but have you ever wanted it's so weird like, when whenever in the month if you can think about it there's only one inflow uh cash and like there's so many of outflow the cash


like, and there are so many ways to like lose your money actually like so many so many unnecessary stuff actually


I think I think you start wondering more when you have like people dependent on you


I don't I don't know about my dad but I think I would, I wouldn't want someone else's uh someone else looking into my finance, like I would find that maybe like a, you know like it's weird like you can spend whatever you want to whether like maybe you this person might be like you know like maybe I don't know I'm just saying like maybe be judging you for whatever you're doing


so I don't I thought and and also like I kind of like when it comes to finance I like I sort of like to my account I manage, because I feel like then I'm, more in control then I know what to what I can do and I'm more what I should stop if it's wrong , like in case like you know there are some you know something like something useless that we're be doing every month but I will never know


but I think the biggest okay I think I believe like the biggest thing when it comes to finance is exposure, like, when when you when you exposed to like you know many new ways because I think that there are many new ways of investing like it's not traditional anymore they're like you know like other like real estate then commodities and what not


so it's it's it's expanding so I guess there are more they're it's it's improving I guess so but that's also, some of the thing there are too many things for you to keep track of, so ya ya ya also that


uh like I would say like I would want to, have my own house like house as like landed property but not in singapore maybe like maybe somewhere else I don't know , but uh I would ya I would want to have like my own house


and ya, maybe I would have I would also want, maybe like a maybe a yearly of maybe let's say, eighty K yearly, maybe more than that ya not sure because I still don't know how much you know because family and all like it affects


the size ya, what what about you what do you think


but I think like ya go on


there's all of this (uh) pressure bro (ppl) ya


negative experience, what's your what is your most messed up stuff messed up service that you bought, messed up service that you ever got or whatever


a biggest you know like like what you said but my biggest you know like actually, hate it a lot is when you know they act like you're doing them a favor by by buying their product, like the attitude is like the biggest neglected they feel like they own the shop or something they been like oh okay what what do you want


ya ya


actually that happened uh right as soon as you know like because I came from abroad before circuit breaker so what happened was like I was quarantined, like you know there's the home quarantine and stuff, so I was like but I was like uh after after you finished the quarantine I was like okay let's order something because during those fourteen days my mom was like to eat from home and when and the first order that I made that day I uh I I ordered around ten ten o'clock


and then what happened was like the I saw the driver was like supposed to come to my uh to my house, but then like suddenly out of nowhere like, halfway through the thing it said that it got delivered, , ya item got delivered but I never got anything like no one came to my house and I think like I was like what is what is wrong what is this like how can they just like you know say delivered and they what what what what happened to a product and I feel like the worst thing about this food app is they don't have a direct person to call to


but I think another time was about another actually the another problem with this food delivery apps it said if they forget your item or like if your item is missing they don't they don't really go back to the restaurant they'll be like you manage it yourself, ya that's another problem and like sometimes I quarantined I ordered like you know Prata I got the freaking Prata but I got no curry


(ppc), (ppc), sorry so I was like, (ppc), so I was like what do I do with the Prata what can I eat it with ya, (ppc) I just like and then also like you know like I ordered like one eh


so that's also another messed up stuff


ya you know you you know I I heard another interesting story , but then like uh deliver you know like you know how's this parcel delivery people, like all the all the companies they purposely delay your consignment, like so they said they they sort of delay your consignment on purpose and when when it says it's shipped


uh it it's actually not being shipped it's still in in the the person with the person, they just say shipped so that they take they make you think is like fast delivery, ya but then they understaffed they're mostly understaffed, so they don't they don't actually have your stuff


and then ya


what we waited we waited for what one half hours that day


they don't they don't have like a proper you know like a manual system, they they don't, ya and then they write it on paper and then they he write so many orders in one paper doesn't know whose whose whose, ya that's also another thing but it's


but I guess is uh, but there isn't this kind of qualities is it's actually like you know deteriorate your willingness to go to that place again, ya actually we're also like you know like we're also contemplating whether not to go or not after that


I don't have that part of experience, like yes for now, maybe but I would say uh buying maybe, for guys maybe buying joggers, maybe joggers online is, the biggest mistake you will never do


because like uh sometimes and like the fitting is all different and sometime I got one it looks like a freaking legging I'm not even joking is like a freaking legging , and if I can't even do anything I I can't even walk properly that's how tight it is, ya, so I would say like don't buy like


uh joggers online what about you


but ya that's that's also the another thing is like, uh the sound quality also quite bad, it's it really really bad ya also that, but have you ever like travel and you had like a very bad experience


come on you sure come across like one , one dirty hotel


but I think like the biggest thing about hotel is the, the beds the, ya I heard like you know they don't normally change, they just try to like just use the same covers for every single unless it's like really like posh hotels


ya because ya one of my friend uh from, ya from NUS is like her parents are into like hospitality and like stuff tourism basically and ya they'll they will they told us like always get like higher end rooms because they tend to not many people go there firstly


and, like they they change it more often than they do for like normal rooms


that is super expensive, yes super ya ya ya ya, ya actually like I feel like the hotel the you know the food from the the food in the room is basically like super high markups


is super high, I don't know this uh but , then again sometimes you don't know what to do so you just eat it


I don't know but I guess in the moment when you're actually hungry you don't know whats's real so you buy, ya but, ya ya ya , but I in it actually no hotels I heard like sometimes they when the hotel is like you know like the hotel is off season


right they actually purposely give you a room which is like unclean and they'll be like oh you your room and like your uh what do you say you know it's really fully booked so you only thing you can do is upgrade your room and they make you buy pay another higher price sometimes they


ya so the I would I would say like hotel is like the biggest like I would say it's like the biggest place, for you know uh discomforts


like I like yesterday, but I guess like uh McDonald's is, ya McDonald's is one of the worst places where your order can be messed up


they normally don't care about it and they just like try to push it off


ya ya ya I also this one what I remember the time when Grab and Uber when Uber to go Grab, eh sorry Grab to Uber, they started monopolising the taxi market, they, they would price what normal journey would be like eight dollars they started pricing it for twelve fourteen dollars


and because they knew like they knew like they don't have a competitions so they sort of went through it ya ya ya okay thank fuck off


positive experience, okay, so what's the best experience that you have had when you traveled , that's it let's talk about travelling


uh it was first when I've, went with my family like my dad side we went we were family of uh three plus four seven , that's how we we we're family seven so we went actually to uh Kerala, which was in uh south of south of india


so what happened was this okay the best part of this was like it was gathered from start to end so as in like we'll be picked up for ride from the airport and the driver would stay with us throughout for like I think six or seven days, and he would take us in all the different different like you know all the attractions in Kerala like we went to three cities I'm not if I'm not wrong Cochin second was Trivandrum and third was uh Munnar


ya and and fourth Thekkady, ya ya four so we went we went to four of these places and so like, uh and each of them is like quite far away like the drive was really long , but then again like uh there were ya there were two drivers, with us and they used to switch switch and like you know drive and so that you know that


actually that, that's actually very nice of them because like you know they , they they put our comfort first instead of like you know there another but also that's also being said ya then another thing was this whole trip like of seven people for six days just costed us eighty thousand rupees


which is around, eighty thousand rupees that's, four hundred dollars uh, I think so ya actually that's not bad that's not bad for like seven people , for like seven days and it's like you know like staying in


all like five star places


uh I think I would say the, the boathouses because, ya that's I think that's the biggest highlight because uh so what happens is like uh you it it's basically like as the name suggests a boat house so it's a house a house on the boat and you know so ours was like I think three rooms three room house


so with and so there were three people with us like one used to be the the person who guides the boat uh second is like a cook and a is a helper, so they always they always stay with you on the boat like twenty four seven and they cook whatever you want them to cook for you


and always uh ya and as always like you know like uh the the boat is always on the move except for at night when it's like docked and the best part was there's even aircon on the boat, that was that's like it's like and actually the, sorry sorry just one second let last one was like the the service are going into service like


when you're going right they used to be this one speed boat which has like all snacks that you want like you know like the local stuff like like, for like you know like chips and ya they come like super fast and they'll stay beside your boat and you like buy and stuff and then they'll leave


uh Mala and hotpot is the best when you're really really hungry, and you and you wanted to like you know you have like you have you have basically nothing to do and you want to waste time and you want to go to your friends and like sit around like you know talk and like start having food like for hours is that's the best experience


like you know it's like a very chill chill vibe I guess, but uh, ya I I believe right although I don't go, to like sort of, you know like for a hotpot much but I I I think like the the quality and taste is quite good


and, although the service ya service is also quite good but I've not been to like mostly I go to hawker centers and the aunties are are always there are always nice there, so ya, but what about what about your bubble tea man, LiHO


LiHO or uh Gong Cha


it's quite ya it's quite thoughtful I guess, like, then you can you always like even it's actually like it's actually like a quite, uh smart way as well because whenever you want to show you just take it out then you'll like oh LiHO let's let's go have LiHO


I think I would look for err maybe two things, first is maybe it's like if it's animal cruelty free, and uh second if uh it's, actually like you know reputable or like you know like gives you the actual result that its promised


if can't it's like kind of ya it's kind of like counterproductive I guess


uh, I guess it's, maybe my laptop, ya, I I'm using ASUS I've, I bought it like five years ago and it still like good condition I guess it's quite good ya


what what laptop do you use


so you so ya I want to ask you


did did you do anything did you do anything for your hair or maybe your face


ya actually like thinking about facial stuff and stuff right actually I realise like in singapore actually I don't uh I normally don't, because uh sweating but when I went to I feel like you know other countries like which is cold


and then I realised how important uh you know like, moisturisers on the face , it's it's really help because if not your face it'll start because it's cold right so your skin will start cracking and stuff, ya that's when I started using Nivea a lot ya Nivea was quite good like at least for me ya


because for me I have I have for excessive I sometimes I have excessive dry skin in the cold, so Nivea always like and it sort of says like you know twenty four hours protection or something , ya so that's actually quite good in terms ya it's actually quite helpful, that's that's that's uh but


and then ya recently I started going to like expensive barbers , I don't know I don't know why because ya like I started like nowadays like I just go but I try to go like maybe once uh once uh once in two months ya , but COVID but COVID time I had to like close it down so I have no idea


the most expensive was uh this place called Limpeh barber it's in Bedok it's like twenty five bucks ya it's like twenty five bucks for a haircut


ya ya ya I actually I feel like it's much better when you know the actually like when the when when the barber recognises you you know he'll be like !hey! bro like what's up how you been , and then he knows he doesn't even need to ask you he'll know what do you want there's also there


but have you ever like like talking about all this experience but have you ever like work and like you know the job it's , which is requiring this kind of service twenty one


I like I like like I like it when like you know they actually tried to connect with you so like you know just trying to selling the product, I mean it, like if you want if you know what you want but I mean sometimes you you know what you want but , and ya so I feel it's better when they connect with you so it's like you know then you will be more invited to you know by the product itself


even though you even if you don't want it


I've not I've never really talk to an insurance person per se but, I feel I've uh some of my friends who had worked in it I would say like, (ppc), they would they'll try to connect with the person more they feel like it's better that way, so it's not and technically even if you're buying insurance you are supposed to you know


like you're actually helping them in in, when they're when they need you the most, in terms of financially ya so I'll I believe like being having like a you know a good experience with your client is much important, then you know just trying to sell it ya but ya I


I would say service ya service industry is quite hard but, I think, ya the best service comes with you give them your smile I guess ya oh man ya thank you thank you


part one finance, it, eh hi Sivat how are you bro, I'm good I'm good I'm good you know recently I I realise that uh because of the COVID thing then I was having an on on campus job which is like uh they have like shut it down because uh you can't really be there so that's when I realise that


not much savings to go about also that's why I was like trying to get some kind of advice also do you have a habit of saving


hundred dollars a month that's that's actually pretty good okay the thing is I don't really have , uh my my my pocket allowance is very uh minimal to the uh extent where is just nice to go about for a month I think the


one time I actually did save was uh during my national service time NS time uh ya I I think there was a there was a savings there's a good advice by my mum she she told me from the second year start start saving up so I think is used to get around like what uh eight hundred dollars so out of that I used to saved like a good


uh four hundred dollars and ya that actually kind of help when I started my university, university at this uh because for a bachelor not really mainly because I had a lot of other commitments so I couldn't really fix to a working schedule


uh but uh from if I'm going for for my future studies uh I guess maybe I will try to do a bit of personal financing through working uh part time jobs so that I can like take a bit of my ease of my parents as well


I think for now the main goal is I think for most, people uh future financial advice personally is mainly to try to figure out a way to actually uh get some uh I mean trying to get an internship or a job and uh earns her money and uh get some savings from that


but if not then in the meantime with the the support currently provided by the government through skillsfuture and things like that I think we can use, I think for me personally I might use my time to uh go and re-skill myself with a few uh few of the courses that's offered


but, funny enough though I mean if you realise , these things have changed a lot I mean if you think five years back you didn't have you don't have to uh like think about uh so much about the money issues or something like that when you're in back in school uh okay I I have a very interesting question to ask you so if it was you five years back


what do you think is the one financial advice you would give to yourself


is it is there like every month


that's true that's true I mean personally for me I would believe that I should have actually with my NS savings I could have tried a bit more of a personal investment actually but because I've I've feel that a lot of my friends actually who


the money they earned from national service to actually go in and try investment schemes uh and all these things I think it worked worked out pretty well for them have you have you tried to anything like that like invest your anywhere


I mean how how did you get into investing uh like did you, get advice from someone


I haven't read okay but the main reason is because I I really wanted to try investment the main reason I didn't really tries uh because didn't really have expert advice and I was a bit more skeptical to actually go in and invest chunk of my money because uh number one I'm I'm very young


so any amount I mean like not a lot of money to go around in that sense so uh ya was a bit reluctant to, putting my savings in a place and because investments is not a short short return of a return on investment right ya so that was one of the major things but if you want to give me advice on how to like if I wanted to start investing for example


uh what do you think is the one best advice you would uh you think you can give me, initially I think maybe okay let's if if we stick to in between a range of five hundred to one thousand


so which is like a standard investment grade I mean not not like too low like hundred or something ya what do you think about that


ya ya absolutely because I think of for young younger ones like, us until a moment where you have like a certain amount of money within you I think they investors are the bad uh good better option to go around with so there's no long term commitment ya that that was that's one of the things but okay so another question like


you so you did mention that you'll get when you get your own allowance from your parents so how much of that allowance do you actually allowed to like investing uh like saving up that kind of thing


oh okay okay


I would say that, uh, I would be interested too but at this point of time I think uh my I there would be a focus to actually gain that kind of a money to go around in the first place so my ideas more like okay let's say that if I have


five K with me in savings, I don't mind investing that one K in, to uh I in a something uh not very risky but at the same time ya not not really too bad also you know that kind of a thing, but for


like okay for example uh you said you're I mean you're university student right and , as as same as me as well so whereas most of your allowance go to, like what do you spend the most on


for your drinks uh right


uh that that must about oh ya I'm of course spending here and , singapore is a bit too uh, too much for like students basically because ya especially when you're when you're drinking or things like that I think for me personally also uh most of my money gets I think for youngsters is the same thing we always spend most of our money on


either either we we ya, uh oh ya , what is it for everyone then why they invite more people into the birthday so you can always share the gifts right but I think most interesting is like youngsters always spend a lot of money on of course


food and drinks because we hang out a lot and uh I think the second aspect is more towards uh, , what's that thing called oh yes second aspect that is more towards like maybe buying these kind of new consumer goods online and and this these type of things


I don't really have a credit card mainly because I don't think I'm in a position to pay off the premium for, credit cad uh per month and , I I, I I think I mean personally for me I think it's important that you should have a credit card uh but I would say that that actually it really depends on you


as an individual, mainly because right now even even for if you take singapore for example like you have your debit cards and it's a easy mode of payment for almost everything that you do and there's no like extra like the thing is the money always goes from you


uh you don't really have to give money uh like ya you know like it's not like credit card is more like you you are actually borrowing from the the company and then you have to pay them back at the future date so I think that's always kind of risky uh for students like me that's that's what I think


my dad's card and he I don't think he have ever think that happens uh he's not going to let me use it


I think it's also mainly because , like, (ppc) like we we don't really have a choice also for a lot of things like phone bills utility bills , and then and even even like I mean I'm pretty sure we'll face this in the future like when we start working and we're like living alone we'll always have the idea of like maybe you want to save a little bit and at that point of time hundred dollars saving like maybe hundred dollars a month is not enough for us is really ya


so even if we may really really want to save something, uh we may reach a point where is it's not possible because we have too much of things to give up on ya,


okay I want to uh okay I want to ask you so since coming back to the topic of like , investing , or like planning of, our finances in that sense uh I remember you mentioned that


your your your father is the person who's always uh like uh guiding you along the stock market a principles and all these things but in your personal opinion do you think that you should actually get maybe a financial advisors or someone who can actually help you plan your finances along the way


the reason I asked also because I have a lot of friends who actually working as uh financial consultants or financial advisors, ya then uh they're always asking me like do you want me to uh like help you plan your personal finance and things like that in very interesting thing is recently one of my friends he actually joined uh one of the insurance firms in singapore


and then he actually had a meeting with me and I also give it to him because I I'm just helping him out also right and he actually did this uh kind of a table with me uh and which he as you mentioned before he showed me my inflow versus outflow


right so for example if my inflow is twenty dollars I mean total of two hundred dollars a month right and then my outflow would be from the the maximum will be of course for food and drinks then this thing uh like ezlink card , a phone bills et cetera et cetera ya that's one I mean that's that's very interesting to realise and then they were like


they actually have a lot of because these people are also actually they do really know where to invest in also I I think uh maybe in the future if you feel like okay I think that could be a good , option ya


ya that's very true, , okay let's say that I already I think I asked you about five years ago, now if we like go in like , fifty years uh maybe a another forty years down the line


, only thing is like, , what do you think is the best way for you to retire comfortably and financially, what's your most apt kind of a situation


yup absolutely ya, I mean honestly for me to retires for some if someone ask me like how to retire comfortably I would say that uh as you mentioned before it's very important to have a minor amount of savings at least per month right


something that you will never touch because you never know when you need it I I believe that the most important thing I mean I think there should be two kind of savings uh emergency savings and retirement savings, right I so I think CPF is a very good uh example of that as well like singapore is doing a very good job at CPF for me personally I believe that


, I would uh want to have enough money for uh myself and if I'm married in the future my family and uh when I retire, and just enough so that I don't really have to be uh because okay you are actually dependent on people in two stages when you are younger and when you're older so I would not like to be more independent during my older stages


I think uh ya I think I think that's mostly about it so, (mmhmm) ya, no uh I just want to say that I have uh, uh ya I think, that's almost about it for I thank you so much for uh talking to me Sivat it was really fun talking to you about like I I learn a lot of things by talking to you alright


negative experience


oh that's that's , a difficult question to answer because I think throughout uh in throughout my life, pretty sure everyone has had like a lot of negative kind of a things


okay, I would actually start with something very mellow, okay number I think what about the very , irritating things to me is you know as a consumer


you are always attracted by what the marketeers put out there, because they are trying to lure you and so even if you may not really have the money to go and buy these things you might actually want to go and see okay you know what I'll buy a bit later I just to see how the product this was so you know you have this kind of phone shops like


uh where they have their phones and everything you know they they you actually you can actually try out the phones and things like that the ones on display , the moment you go up to it right , there's one salesperson like hi can I help you, I think that's that's that's very irritating to me and then uh the person actually stands next to you and keep staring down at you till you actually say that okay I actually need help or like I want to leave right now


you know that kind of a thing


(ppc) I mean , it doesn't do any kind of justice to them uh I I think that was just very very much similar to judgmental kind of uh people in these stores is very much similar if you go into car shops actually


uh car outlets uh because they will actually gauge you decide whether or not to spend time with you depending on how you look you know, like the way you look actually represents may afford to them it actually represents how much money you have, like are you able to afford the products should they spend time on your that kind of a thing


but (ppc), I think one of, the uh most interesting topics we can like uh this reminds me of is like , I I think mostly the during the circuit breaker time that we had uh we had to rely on delivery a lot


and so I I I think uh there was a lot of times where the delivery apps were also uh like it it has been very helpful to us but I think at the same time there are a lot of times when uh it wasn't what we actually expected it to be also


right do you have like any kind of negative experiences with delivery app


right absolutely actually that's that's very like ya interesting thing that you brought up because I recently face the issue also uh because during circuit breaker I used to order snacks through uh PandaMart Foodpanda uh online store


right so , but usually PandaMart is I was very much satisfied with PandaMart because they are very fast Foodpanda is generally uh is pretty fast, and then they deliver to me within twenty to thirty minutes or something like that that's like the usual timing timing and then there's one time I made an order worth of uh twenty to thirty dollars I think and they said they delivered it


but then they I didn't get a delivery, right, so I'm trying I'm I'm online I'm trying to find uh because of the the money has already been paid through my card right so on online I'm trying to figure out, where uh to call Foodpanda what's their hotline


right no one's picking up, then uh I had to actually go up to uh, there's a chatbox inside, the thing, and then I have to keep talking to them about it and then they they said that oh the thing has been delivered I'm like no it's not outside my house how how can you say that is being delivered right


, and the thing the best thing about that is , if you switch apps in between the entire conversation with the the person just gets deleted ya, then I'm then I'm just like okay but at the end of the day they actually didn't manage to give me my money back so I'm just like you know what fine whatever


oh ya I mean the thing is uh now also there's a lot of uh if you if you realise mostly with delivery apps and uh no and also uh Amazon and all these, things the biggest issue is uh when you get things from overseas and they are bringing it over you can't do anything about it if it's damaged


is not anything but it's really impossible to actually see the thing unless until you actually received the package , and then by the time you received the package unless and until isn't it isn't really a big purchase right you wouldn't really bother it you just be like you know what it's okay let it go kind of a thing but thing is that's not really how it's supposed to go also


ya they actually don't do a level of uh QC before actually sending it over here, , ya you know you should at least ya sorry you were saying


oh ya ya yup yup I can understand man, ya, ya ya ya ya I think that's just to promote the brand image of being a fast delivery service or whatever, ya I think I think but ya


I think another interesting if you have to come back to like food uh like uh like experiences in singapore I, I think one thing uh we can actually talk about is uh you know when we recently went to eat at the Prata place


uh ya, so of course the Prata place for us I mean used I mean used to be like a hangout place right , and then we still like the the the call I mean it's not like an excellent place or something but then there was always at least a certain level of quality and like a good affordability that people like us used to always used to attract people like us


I think recently when we went there also everything was has been like really changed, food's very expensive now and the the drinks are extremely sweeted or dilute too and the the service is just horrible


alright, I think ya ya ya the first time we went after circuit breaker I think I personally waited for one hour just for my #maggi goreng#, right which I actually ordered with all the food that we initially ordered right and then when I asked him a couple of times like where's my #maggi goreng# then he's like oh it's on the way is coming I one hour later I asked him and okay initially cause I didn't want the I I wanted to plain #maggi goreng# without the red uh sauce on it


so the thing is my friend got uh who ordered #maggi goreng# he got the same thing, right even though he didn't specify then when I got it I got like the the one which I I didn't actually specify to get so I'm you know what he actually did he actually took another person's order who ordered after me and then he gave it to me because he forgot to take my other and like he want to process my order


ya and it's like and their place very understaffed also


ya that's very true I mean , okay have you ever had to like uh buy a product that you really you really dislike and then you like if someone else tells you about the product you just be like please don't buy you know that kind of a thing


I think uh, one of the worst purchases I've like I if someone someone ask me to , not buy a certain product I think I think I'm mostly be


more towards uh, oh what's that product , something I I really didn't uh didn't didn't really oh ya you know uh seven eleven actually sells earphones, so there was a point of time I was using my iphone and then I didn't really have my my my earpieces actually got spoiled


so the issue with Apple earphones is that of course is very expensive to buy right so I used to just adjusted with the ones from seven elevens seven eleven ones like around twenty dollars or something and it looks pretty decent right the thing is it literally works for three days then it just stops


and then I'm just like uh, then then what's the point of you selling the earphones in the first place you know


ya ya sure sure absolutely I think when I was in uh Phuket, was it Phuket I I think so ya I think it was Phuket and , I think the horrible experience was that the


sorry when I was in Macau actually so, we actually we were at holiday in Macau, it was pretty fine like still and all was pretty decent I think uh they made us actually uh the they made us check out four hours earlier


before our flight then I'm and we were all and just like they didn't know that before you know, and we can't do anything else like we had to go around we actually had to go inside cause we we're not we're not we we can't really speak mandarin or any other like languages being spoken there during the hong kong side


so we we had to go into this uh chinese restaurant, where we couldn't even like speak out a order, because we didn't know like which language to tell them and so we just have to keep pointing this one this one and that one and we didn't even know what we were eating to be very honest right


and I think one of the most uh disgusting things also was that , this this the , didn't really clean some of the places so you know like outside the , outside the life there's like the there was like a kind of arrangement flower arrangement then there was like a little of soil inside so I was like just scratching the thing and then the first thing I see is I actually I someon's spit


ya so that was that was some of the very few disgusting things that I have been through then of course uh certain tour guides like cheating you of your money you telling you that he'll take you here take you there then of course and doing nothing about it ya sorry you were saying


the the beds oh ya ya


oh ya ya ya


right right right right, and like I think it's kind of, really disgusting because uh ya, if you don't really change, basic amenities then and it just a very


different thing altogether , I think another thing there was uh, but then don't don't you think that they should actually give you if for the amount of okay, for the amount of money that they charge you for taking food from the mini bar


or like actually ordering food from the restaurant it's in within the hotel, shouldn't they be at least giving us a minimum better good service in terms of cleanliness or something like that


no it's it's like it's like , you know like I I think it's especially singapore I have noticed that , uh in a few places especially tourist locations like for example McDonald's uh McChicken meal outside will be about five dollars but if you go into Sentosa it goes up to eight dollars


ya and and it's kind of very expensive to go and the uh with that kind of a higher markup prices you know, ya exactly ya


there's a for places like Sentosa and all you have to walk a lot also


!wah! a lot of uh good strategy is going on around here, uh ya, and , okay honestly I believe that, they have good quality of, like service wise they're very decent


you know but then the oh I think, I think I think it's mine lah


ya sorry then you you you were saying, ya


okay that's very, true I mean uh, , other than that I believe that uh one of the most


like other than that I think it's mostly consumer products which actually like don't really live up to the expectation that you would really like to have you ever had like , do you ever have like many cases of people actually like missing out on like for example if you go to mcdonald's and they mess up your order or something like that you know that's another case right


ya and, ya like like like yesterday yes of course


yup yup , I mean uh to be honest uh McDonald's is pretty I mean, they still more efficient than a lot of other places that I've actually seen you know if you if you realize that McDonald's at least because they have they're a global brand also so they really need to hold up to the expectation that they have I'll but


I think the most important thing at this point of time is delivery uh platforms and their delivery charges, the thing is the food inside is already marked up and down to that they actually even go for that delivery charge right if you want to buy an a la carte McChicken burger or something is worth two dollars and then over there it's five dollars plus you have to pay for the the charge as well so this this really ridiculous I feel


(mmhmm) Grab took it over ya yup yup


ya , ya ya I mean they are the market leaders right now so they they can do anything in this sense because ya but private car share is like pretty is something that everyone's using these days so I think that's something the new sphere


anyways (um) I think thank you so much to that for the negative experience part ya


positive experience, I think the the last time I actually travel was uh when I went to uh this beautiful country uh sri lanka


and I think it was a pretty decent uh, a pretty decent experience it the we we have like a, I think mostly it's because of the quality of the tour tour guide that we had with us and he was actually very friendly uh the most interesting thing is that he had wifi in his car so uh when we are moving around we always uh had the best experiences


and the he the thing is I believe that, when you go uh for a guided kind of a tour the most important thing is uh most important aspect of a good experience is a service, right


because the country is always defined so I believe that for him personally he tried to actually forms a kind of I really say personal but uh at least the conversational relationship with us uh made us feel very comfortable , so the few because we were there for like a week also so he was there with us throughout and he was like throughout the time we also like had a chance to talk to him his family and things like that so that's pretty nice how about you to that


Thekkady ah okay yup yup


a license around sixteen hundred


okay so well what you think was the the well what do you think was the biggest highlight when you were with on that trip like what made that, positive experience for me like straying away from of course the beauty uh of the places that you visited


boathouses oh yes ya


yep yep


ya ya ya ya yep


ya okay, I mean ya I mean coming from Kerala myself uh I I'd had a very good experience with the speedboats as well right


actually the kind talking about the experience , like, you know how singaporeans and actually and most of the asian countries they crazy for hotpot, right, and like Mala and things like that so recently new singapore has these two restaurants called as Haidilao


and Beauty in the Pot right, so funny experience actually I recently uh like I think the beginning of this year before COVID hit, I was in my my friends invited me to go to Haidilao and honestly I think it was one of the best food experiences I've ever had in my entire life


I think Haidilao and the owner of Haidilao also like the richest man in singapore if I'm not wrong what really struck me out right is that , of course the quality of food is just great the thing is they don't even let you take water on your own


they'll, they come down they actually uh they won't even let you pick your own, food emporium to your place cause that's the kind of service that they have right they make sure that they kind of recognise each and every one of your need and then uh like do their do their part according to it so and and it was pretty nice thing and plus


they they gave they gave me a free cake also cause was my birthday that day but ya uh ya that's about it but what what about you


okay honestly I'm a I'm a bigger Gongcha fan than I'm a LiHO fan right , okay I have a I'm very much a sweet dude for a lot of things so I believe that Gongcha gives me the kind of sugar that I need


on on on regular basis but then again I don't really I'm not I'm not very picky I like I'm very happy with what I gain when it comes to bubble tea right , but ya I mean but what what're the very interesting things about I think I I think it's liho ya uh whenever they they give you uh like if you if you


notice where they give you a drink they give you a small packet this cute cute tissue papers it's yours, like tissue box also with you I think that's a pretty uh decent , service gesture I'd feel uh because , like for example you even if someone doesn't remember LiHO name or something like that then they can just like oh you know that place that gives you a small tissue when you like order a drink you know that kind of a thing ya


ya and and plus


I think the the experience that honestly at the uh, out of all my friends have seen I haven't seen like if I take ten people I don't think all those ten people will pick one of the the the bubble tea chains, because they got all bombed with different varieties of bubble tea chains but but I think they're doing pretty well in in in singapore as well


right , actually uh that that brings me to another like actually a very interesting topic of when you uh buy a product what do you actually look for like I mean uh what what's the most important thing you look for is is it like uh like leaving aside price and quantity uh what do you think is the most important thing you'll look for


that's that's very true like have you ever like ever bought uh any any plan or product that actually like, you expected it to like last you very for very short time but then you actually like you still maybe you still use it to this day it lasted you longer than you expected basically


is it uh what laptop are you using Sulah


uh I mean currently using okay I I can't really watch because I was using a HP last year and then it got spoiled so uh currently I'm using an Acer but ya I think uh, so interesting that uh sometimes uh like we we're how we're very focused about


the quality and uh like uh the pricing and everything sometimes maybe you just come to a point where, and then you just buy a product out of nowhere but then you don't even really care about how long you'll be using it for , right so ya I think for me personally the one product that has really lasted me the longest time was I'm guessing it was my uh TV


ya I mean it was bought by my dad but uh it, it lasted for us for a good seven seven to eight years or something like that , ya and it's still going strong, ya, so I think that's that's one thing I really speaks volumes about the quality of the companies that are actually selling these things also


ya ya (mmhmm) (mmhmm), how do I look so handsome uh I think I think it's just very uh natural bro you know uh come comes with the package


hair, yes actually ya face face and hair I do I think, (ppc) funny question though because you know I was always under the impression that uh girls uh females are usually the ones who are very much into like facial care or like uh any kind of skincare products in a sense which is true which is of course true but I think


after going to army I realise that actually guys are also very much into this cause I see them using this kind of face products during in the in the wake up in the morning they use the same thing go go to night also use the same thing I think personally for me uh I'll prefer more towards uh, face uh


like uh, face bags not not really face bags like facial washes and uh and of course for my for my hair I would have my skincare products for my hair like my gel my wax and ya that's mostly about it


but ya, no I was just going to say that , I maybe sometimes I'll use something else uh if it's smells very nice and especially if it's like from body shop or some,


so it ya, true true


Nivea is a decent brand ya, correct correct correct


expensive but was okay, uh which is the most uh expensive ones you been to so far like ya


Limpeh barber is it, oh okay okay that is very uh, it's, twenty five or is it did you say twenty five okay ya


ya the thing is there is another place in singapore it's called the panic room, ya it's really pretty pretty uh decent kind of place uh because I do have a few friends who, actually go there for the heck outstanding sight there and then they're very much uh interested in the quality of the service that they offered because okay for me personally when I'm getting a haircut I'm very much focused uh like like


I'm very focused on the details behind it right and then uh it's really nice to see if the barber who cutting for you is exactly like you you know, you when you see that uh the barber actually spending extra time to make sure that each and every edge and side is like perfect or whatever I think that's that a lot about the quality of service that you're getting also so overall it increases my satisfaction as well


ya ya ya, exactly uh


the the thing is , the place I I go to okay I generally got it for like fifteen dollars or something but for me they used they have been like it's like this uh is not a individual barber, it's like this uh salon kind of a thing but then they have like different barbers inside it so they like actually pick you up based on the availability they have right


uh and then uh for me personally even though I would like someone, who cuts my hair very good over there it's not very certain that I'll get that person every time or something like that you know ya


I've been uh really been on a retail uh, okay I I have been on the service I've , but not really retail uh service is when I was doing my on campus job in school, so what


we usually do is we actually give , because we uh this this to be we're actually call as student learning uh associate so we were actually help, the students who are weaker and not very uh strong in a


their research papers or something else we actually we give them advice and have them correct that so I think that's kind of a service uh because and ya service sector is very difficult to handle because it requires a lot of patience ya and a lot of things


especially for whenever you have uh you you I mean you will know whenever uh some kind of customer service agent is on the call with you, they start talking to you about uh I don't know maybe insurance or something like that


I mean there was this time where , for me like personally I had a very good experience uh with the customer service okay usually , uh cause okay I'm a marketing student myself right , (ppc) so I know the importance of how much are these people actually really


trying to uh put the product to out there so , usually I don't give them my uh like a bit of a time to actually analyze if the product is for me or not , if not I'll just say itself I'm not really interested because uh I shouldn't be wasting their time and my time also right


right but the most important thing was when I was doing this insurance with uh aviva , uh ya and then uh the person uh actually came down all the way to meet me actually sat down with me had a very good discussion with me and my father and uh I think that was a pretty decent kind of a thing like very helpful kind of situation


ya (ppc) how about you Sulah


yup absolutely right


oh and then that that's just very well put actually ya yes uh smile does always go a long way but from at least what I've learned uh when I working in service sector well anyways thank you so much to that for a wonderful talk on uh positive experiences


eh rose ask you ah you have any insurance or not


uh I actually used to have but I think over the years right there are changes to my priorities as in, more so on you know what I learned I mean is not so much of religious but what I can buy what I cannot buy and then from there I didn't pick


up , , I used to have you know savings plan endowment okay and and then I used to have


err what do you call that, a term insurance okay I think term insurance I actually bought at the bank at that time I think that was an, you know tie up with the insurance company so the the the lady just approach me and she just say that okay you know you are covered by you know uh this amount and then


you know this much that you have to pay on a monthly basis so I thought ah I thought at that point of time okay lah why not because it's only twenty dollars per month and I feel that you know it's it's a very simple , application process and I was very young at that time so I just signed up you know and and take up the the coverage for myself at that point of time


I think I was at the DBS bank and if I'm not wrong, ya if I'm not wrong is Aviva yah so yah but I think now I don't have that plan anymore uh probably because it's a term plans so there's no cash value I think that was point of time you know when they're not able to deduct the premiums right they'll


ya , ya because there's no cash value lah so that's that's what happens to my uh to my that that particular term plan that I had with uh when I bought uh through DBS


much lower ya much lower compared to uh, ah


uh it's just that I think they're quite uh because like what you say because they are very, , I I mean as in low in terms of the premium right and is a high coverage so you may take a look at the terms and conditions because it may not be comprehensive enough it's not something that


that that you may need it you know what I mean so, uh ya lah


ya it's just I I mean, ya, I I think at the end of the day also even if you have agents right the agent may not be able to really go through with you the policy contract wordings because you know the words like what you say, ya I mean they only


know the they only know the like you know in general what it covers you know what's the coverages you know how much you are being covered, and you know whether is death or there's critical illness to it or you know so so I think in general that that is how they try and market uh the product to you but at the end the day right you will not know really until


uh claim comes in lah that's when you really have to look into the policy terms and conditions as in the policy gonna ya ya lah you know to a certain extent but of course having said that if you go through a proper financial advisory you know


going through an agent and things like that I think the, it there's there's there's good and bad because they are brokers they are direct uh, uh agents through the insurance company so okay the good thing about brokers right I feel that they are able to


you know give unbiased proposals to you from few companies correct that is the pros lah the cons is that because they have too many companies that they are representing, so they may not be able to know exactly or really well


that particular product that they are proposing because it's just if they just comparing that you want term plan right okay I've got company ABC as compared to if a company that it goes directly uh you know an agent that that only uh you know marketing for for that particular company


okay the the the pro is they may know better they may know more of that product but the con is you are not able to compare with other companies to see in terms of the premium in terms of the you know the coverages and in terms of the the policy contract wordings I mean this is what I feel lah basically


so uh, #rosita#are you there, okay now I can hear you alright


ya do do you get what I was saying the last part of it as in I was saying that, uh like if you go to a direct uh, uh you know agent that sells the insurance product right, but the pros is the agents may know better in terms of that particular product that he is proposing to you


okay uh the con is that you are not able to compare with other insurance companies, okay so uh at at the end the day uh at the end of the day if you are very sure that you you know like you liked that particular company right then you may need to get uh that that agent directly from the company that's what I feel lah but if you want something that you are shopping around then you may want to you know


uh go for brokers ya does it okay then ya so you have any question okay you say


I see okay


okay how much do you have to


oh sorry cash MediSave portion what do you mean cash MediSave portion, oh okay yup okay okay


understood okay for now right the truth is I I I don't think I have any plans except for , okay okay that the thing is that right okay I have got my corporate insurance lah but of course at the end the day the corporate insurance


correct correct correct correct, it's so so after uh you know I go through and I understand that we we are only allowed to buy certain products you know at the muslim lah okay so that's why I I actually you know pull a handbrake on you know on this insurance at this point of time uh but I make sure


okay I make sure my husband have got uh term plan okay that is something that I you know because after all he is a you know he is a man right I mean as in he just as you have to ensure that he, he I mean in case something happen ya lah correct lah I mean


you know for us we can always you know stop working any point of time but in case you know for him uh it's just more on the for the family lah just to to to sustain uh you know like temporarily until you know the children are able to be on their own you know that that is that is how I see you know


I've actually been thinking about the retirement you know insurance as well uh it's just that I feel,


, understand eh for me another concern also is the commitment uh the commitment of paying okay because if uh of of course


ya I, it is not so much okay amount is one thing but the duration is another because


you know at my age right now for me to commit you know fifteen years you know I do not know whether I'm able to, do that lah so that's my concern of course at the end of the day it's still better than not having an insurance you you know what I mean is just that


ya I mean as as as long as you are able to, commit lah you you know because at the end of the day the commitment uh the duration you just have to commit to it because if you're not able to commit I mean that's because I heard a lot I heard a lot of


cases where you know they're not able to commit and then they say you know you know why why insurance company cheat me because they are not going to get back you know the amount that they put in I mean it's not even indeed they are going to get some money back but they're not going to get back what they've put in they going to get with much lesser


so they felt at that point of time okay I mean like you maybe you understand but the majority of them out there they don't understand they feel that you know you know the issues you know the agents tell me you know they can get this money you know blah blah blah blah but at the end of the day you know if they if they were to surrender earlier that means early


you know redemption of the policies then they will not be able to, you know get the amount that they've put in which they expected because to them right I should get back whatever I put in you know, exactly, ya


but do you think people read I mean people will not look at that ya because to them the agent proposed to me I mean that's how I see it lah, alright so for me at this point of time at this point of time uh yes I am relying on my CPF insurance because I'm still working in the CPF in I mean like the the dependent protection scheme is not a lot though uh DPS is not a lot uh but I do have


something like that but I know it's definitely not enough lah I mean is not, if you are talking about depending on how many years and you know the children have to uh you know grow just depending on that DPS it will not be sufficient uh but of ya but I do have a MyShield as well yes I do pay for the riders it may not be the hundred percent coverage


but I do pay part of it because I know at the end of the day if I'm being hospitalised towards the max that I need to come up out of my own pocket rather than paying the cash amount for my you know, for my uh MyShield uh plans basically because


because shield plans it is very very beneficial if you have chronic illnesses if is an ad hoc basis right like you you know once in a while you just go to the hospital you know because of dengue because of, uh you know diarrhea because of you know then then it's it's not it's not wise to depend on MyShield uh you know MyShield policies rather but a lot people


exactly exactly


ya, you sound like a property agent uh insurance agent no lah what what no what what I'm saying is that I I I have I have it's not that I don't have it's just that I also have my corporate insurance as well of course corporate insurance is not a lot I mean the coverage you you know that is there's a limit there's a cap okay


uh but what I'm trying to say is that this shield plan I I know I have to have it, okay I know I have to have it even though I've had a corporate insurance, what I'm trying to say is that why I didn't buy a hundred percent coverage is because I know at the end of the day right should I be admitted that certain amount that I have to pay capped max


okay uh and this is more to like what you say lah if we do not know you know in the unforeseen circumstances in the future you know uh, should ya lah hopefully not you know we get into the hospital like you know uh often ah then this will be very very benefit because because anyway I I do not cover the deductibles I mean just for your information lah I'm just covering the co insurance


so the ya deductible portion it anyway depends on which ward I stay so I know the max I have to come up in a year is three thousand five ah that is the max, so I know if I admitted right okay three thousand five and they come up so if it's if it's unforeseen that is lesser than three thousand five so be it you know but because I'm really prepared rather than because at the end the day I still have to pay cash on the monthly basis so if I were to accumulate the cash portion right for that just one admission alone


it doesn't it make uh it I could have saved even more than three thousand five are you following me that that's how I see it into that calculation ah unless you have to, sure,


ya,


of course


understand ya I guess that's why I mean it is how you see your your priority [lah] at the end of the day alright okay


part, part three negative experience, okay


I don't too so I wait so let's talk talk about that okay what things


alright so you don't like the fact that you have to give them specific orders lah is it like


ya but I mean it depends on whether that experience that you have with that particular you know bubble tea shop is good or not like at the end of the day I mean if they're able to you know like uh speed up uh the process then I think it's it's all about experience and people are don't mind waiting actually if you really like it


uh but for me I've I've nothing much to say ya because I I I don't drink you know, no okay okay so maybe we can talk about something that you know that you personally experience and you don't quite like you know I I don't know probably what what you want to share is there anything uh that you recently experience


sorry, uh I had actually I had okay I had, is my telco company alright so , ya okay okay I tell you this telco company when they first started right they were awesome they were excellent they were really excellent


that was many years ago ah but I'm still with them uh there I'm I'm still with them uh for certain reasons lah you know uh but my husband have switched out uh from, them to another company because uh we we are not happy with the service of late of late means for the last few years ever since they move their customer service from singapore to other countries


and I and I realise that I realized that uh not only telco even banks right when they move so I've got two experiences one is banks and one is, is telco company and I realised both


both companies right actually move their customer service to malaysia okay I I mean this is, correct correct


ya for me I I know it's common is just that I do not have other experience lah because now we're talking about you know experience that I had that's negative so so yes I I'm aware I'm aware there's a lot of uh you know contact centre being moved out of singapore and because of that the you know the customer service experience is is is really


not up to expectations okay number one probably because singapore is so affluent, we are so used to okay then again it, it's us lah okay I mean reflect back again in that sense, ya I I, I order today I expect it to arrive yesterday so


so so but again there certain there's certain things that I expect out of you know my request sometimes I am not being unreasonable, alright , okay I think it's got to do with this PDPA as well it you know this PDPA can be very stifling


I am okay the thing about is is a bit complicated because my telco my line is under my nieces name because she's got a corporate discount so corporate discount, hers is actually quite huge you know it can be you know previously was seventy percent then dropped sixty percent now is fifty percent so it's really really huge ya it's a lot okay ya


so so even though I've got my corporate plan but my corporate plan is not as much as her so so I will we will use hers so you know when you call the contact centre right they will say that you know they will do the speedy test thingy, so okay so after a hard time right so I and I had my my my mobile that means because at that point when I when we were with this company or when we are with this company okay because we're still is uh we really liked the service so we remove everything to them okay including our max


mobile uh our digital ya cable our, phone home phone I've I've and I have never canceled my home line as well because that's for my mum lah you know because now nobody use the phone so for my mum so I leave it I leave the the home the home line


so what happened was after you know simple requests okay I know it's my responsible to pay for the bill I'm not asking for an extension I'm not asking for asking them to you know uh sorry I'm not, not asking I'm not asking I'm asking for extension but I'm not asking for like a discount or for them not to bill me or things like that no never I'm just asking for extension of time to pay


so that should be that should be a very simple request right to me lah to me is a very simple request, no they don't have they don't have so basically they can they allow that extension ah it's just like you know it's just like one two weeks you know it ahead only it's not like you know


and and my bill is not like three figures outstanding, it's like sixty dollars sixty over dollars because I've got the reminder right so I just have to tell them okay and and because I usually pay together at the same time with my and I certain time that I paid together with my uh you know electricity bills and ya correct


so so okay that's that's done because under my username so I had this challenge with this customer service already with the with the verification process okay, so now coming to the home lines as in the home phone my max online and all that


uh the uh what do you call that because under my husband's name I said my husband outside you want to verify with him you can speak to him


no I'm asking her whether you wanna speak to my husband I'm asking her because my husband with me but my husband's not in the room


no is under my husband's name this one is under my husband's name you understand is no longer under mine this is this one this is part two of the same call ah I only use my phone because of my nieces discount the rest are all under my husband's name so this is part two so the same thing I'm just requesting


for an extension simple right simple so so I said so he doesn't then she ask me then she argued with me because she ask me things which is not relevant she ask I I told her I don't have my bills with, me okay because I don't want to, you know I don't want to dig it up so I said I don't have my bills with me alright so she asked me for the customer ID number would you know the customer ID number you wouldn't know what you would ask something that you would ask something that is relevant right like a


you know probably how much how you make the payment when was the last time you make the payment that that that's something that we can provide you with because I would have records of that in my phone, but you know you ask me for customer customer ID how would I know then she ask me for another she she told me that is another ID number which is which I wouldn't be able to tell her I said no I don't have this I said I've given you a lot of verification why don't you ask me something else I said you can speak to my husband


ya that yes that particular either, correct and you know and and for us we've got so many things right so every every service there is a different different ID to every service and it's not like a one two digit number is like a whole string like ten numbers you know


so so so I was telling her I said look I just want an extension I said I'm speaking to you you know what I wanted right from the my very my my very first requests I I just want an extension that's all I'm not saying that I'm not paying I'm just asking for extension of payment that's all


you know then she then I said then she said I said okay never mind I said if you cannot help me you put me to your manager, you cannot speak to my manager that's what she said I was, like what what am, I hearing I cannot speak to your manager so I said I said do you know why I want to speak to your manager because you cannot help me if you can help me I wouldn't be speaking to I wouldn't be requesting to speak to your manager no ma'am my manager will not speak to you


so uh ya, so I was like okay you know some I mean, I am from the customer service industry you know I handle customers on a daily basis so so when when I know, you know customers are already like that I will do my very best right to help this customer because my manager's job is not to answer phone calls if if my manager is to answer phone call then what am I here for so so I ask her I said is there any other forms of verification


is there anything else any other question that you can ask me you know you can I think you can speak to my husband but if you are asking my husband about the same thing about the customer ID and all that he wouldn't be able to give you as well right ya so he said uh no ma'am customer ID then finally he asked me for what you know mobile number


I said mobile number I said then I give lah mobile number then because I'm asking for the extension of the max mobile so the max mobile is not then she ask me for handphone I remembered very well, so I said handphone so I give my handphone number I give my husband handphone number because my husband handphone has been I mentioned right because


we are not happy with the service so we moved to another provider because my husband is not is not a heavy users so he can just move and his phone can last for a long time for like below four, so so thankfully we don't need to like recontract just to get the phone lah in that sense so so he just you know move to another provider so he they will not have his handphone record in the system because he's already moved to another provider okay ya so anyway he was with


my niece before he moved out also it was under my niece's name because of the of the discount, so so after a a long time, at least you know after that, seven minutes also about my phone right initially then this is the second part right is another seven to fifteen minutes you know conversation


so I said I said look at what point of time I was very angry with them I said look I only want an extension you knew what it was, you know this conversation right I said could have been done within the within just less than five minutes because you knew what I wanted the second part of it you know you've done a verification about my husband and all that I mean my husband details is just that you need the customer ID I don't have it I said that to her I just don't have it you know


so she said but I need to get back before I can do the extension I said you need this just to get extension I said that I really literally you know blow my top lah I said, I said you then then finally she said okay what is the number I said just now you ask me for handphone number no ma'am I asked for a number she can argued with me I okay


so I said if you would have asked me then then I said to her that is not a handphone that is a home number you can ask me for a phone number right that I can give you I know what is a handphone number and what is a phone number I know the difference, right so so I said never mind I said you will get your manager to call me if you don't want to do extension right I said at at the same time what I did was I go to starhub facebook and I straight away put up a !oops! sorry I did mentioned


I I actually you know put up a feedback you know, I were to them then I said it will look I need a manager to call me back I said so so finally I think the manager did call me back about two days later and I said did you hear to my did you listen to my conversation with your colleague with your staff as I said before colleague yes I did


so I asked him this question did she ask me for a number or she asked me for some ID that I cannot give give, two you know I mean not just one I said she ask for two right she say yes then she said yes he said the second ID he was she was asking about an old old old account number which you know


ya so, so I said look I said, I I mean I I I'm not here to take away her rice bowl lah I said you know so, I just shared with is is either she doesn't like her job, or she's bringing some personal work to office as it, you know or she this is not something that is suitable for her or the management is not giving her the proper training I said you mean look into it I said because I know you are a third-party call centre and this is this is a contract that you get from this particular company so if she's not keen she's going to affect


you know your colleagues who need the job she may not need the job as it but she may affect her other colleagues who may need the job because I ask the manager do you agree that you know that is is just a simple request he say yes ma'am I said you know that that call can be done by within five minutes at max


I said and she could have taken other calls and she would have key hit her KPI how, why I know all these because I'm in industry as it so I know what's going on you you know so that is my my experience lah my with is is recent only is just within within a month or so that's why I can remember the the details right very very well ya ya the conversation very well


alright


ya but I mean in and you have any other experience that you're not happy about that you know that that just want to share any unpleasant happiness apart apart from that security guy at the hospital


preference ah ya preference I just don't ya I just, maybe I'm a lazy person ah so to me it's time consuming and I can't be bothered , ya so that's just a personal preference lah but other than that I don't have any you know you've got any other things that you want to talk about that you're not happy about in terms of service


okay if you don't have that I share lah a quick one, you have anymore you have anymore, no because uh I went to this uh we we talking about fine dining so you know during the COVID period just about


about a month or so ago uh we went to this particular place is very very popular so uh we had this because my daughter was with crutches and the the experience was was, not pleasant in that sense because I know if you like for birthdays and all that normally the staff will sing a birthday song you'll be given a cake you know so so so I


this is not this is not swensen uh this is not swensen, but mine is not because uh why I say it's not it's because they did sing for others two, two of those people celebrating birthdays there but not for my son so I was quite ya that so


ya so so maybe the boss doesn't know lah but the boss is very nice at the end of it the boss gave us two cakes because uh he he asked me you know oh because because we had to do a reservation so the boss knew that we were there for birthday celebration, yes so so apart from that cake you know experience because initially we were being separated the place very noisy so many people I mean because it is a saturday night


and we couldn't get another location because that particular other branch uh there was a private function so we had to go to this particular place so, so so initially we were you know be separated then then he say oh uh there's another table at the end so we moved you know my daughter with crutches and all that so we moved but apparently there only six six table there are seven of us


so they couldn't accommodate ya they couldn't accommodate uh to add in extra chairs because it was so near to the other table so we had to move back to the same you know that particular place, ya, ya so and and it was on level two lah it was so we had to climb up the stairs okay uh ya so so so anyway


uh she said but it's okay right at that time so my daughter okay no problem lah so slowly lah she climb up the stair so so I mean that the experience wasn't wasn't a pleasant one uh because a lot of things but but I must commend the staff lah even though they are very busy, even though they ask us to move to a table


where they realize that you know at the end of the day either we can't sit together that as well because they can't slip slip in another chair, and we had to go back but they're still able to smile and they are very professional about the whole thing and the food served very very late okay and ya it so it was very late and then you know we came we were there at about eight plus


because the reservation was about eight fifteen okay so by the time we were seated uh because we had to wait for a while because it was always crowded so we had to wait a while so by the time we was seated was about eight, uh thirty five like that so by the time we ordered at about eight fifty so but the time the food came the last order came was close to ten o'clock


so so that was that was a real uh unpleasant because I thought you know bringing my children there my family there because this is their first time there to most of them you know they would have this, pleasant experience ya so


ya it's not cheap and because I wanted to like you know surprised my son because to me like oh that is a birthday you know normally they will sing the song you know with a cake and all that but it but it was then to others but not to my son so so that experience was I I will feel that is not a very pleasant experience


ya so ya very unfortunate, uh yes it does uh it's just that but the boss is very nice you know that the boss I mean talked to us he went out also then we just uh you know stayed for a while then he talked to my mum


uh so so the boss is always very nice lah then he gave us you know uh uh like a discount voucher on our return so I'm just thinking whether should I return back or not and things like that you know because of that experience, ya so we see how it goes lah it's just that we I've been there a couple of times is just that you know as a family that was our first our first experience ya together ya so anyway


part two positive experience


, oh okay I I think one of the now that we are in you know situation where you are not able to travel right I really miss travelling I mean , yeah one of the best experience that I had was okay I got I think that the recent two trips that I went lah basically one it's for the mini pilgrimage you know


so so what I like about the uh I took up okay I I took up this travel agent without knowing okay that it's so interesting how the events you know turn out to be because I'm supposed to go with my friend so my mum myself and I'm supposed to join my friends and her girlfriends


okay I with this particular travel agent, around you know, uh she uh she goes with <P2>nor mohamed</P2> okay so I'm supposed to join her <P2>nor mohamed</P2> okay so so what happen was because I had challenges with my leave


okay so I I really had challenged challenges to my leave until towards the last minute okay so towards the last minute then they say oh uh you know <P2>nor muhammad</P2> say they travel you know is a bit close, but she had she had like with her about I think three three of them already so she said either one person because I'm going with my mum but at that time also my mum not sure whether she's go she wants to go or not


so I said okay if I'm alone then I can join you lah you know but if I'm with my mom, yeah, correct correct I correct, but of course provided her friends are okay lah so okay to cut the story short because of my leave challenges right I was not able to confirm fast


so by the time I got a confirmation right and I confirmed that my mum is going so she said oh you know that travel agent said that uh it's already full it's already you know I I can't I can't join them , so I said okay then I was like a bit down lah I was like okay never mind I said ever mind so I check around and because of the short time frame uh that I was housing around right I had I had I I really find that is uh most of the travel agents already close the dates that I wanted because that was towards the end by the time


uh I got back it's just after christmas so so that so I had this challenge whereby, I couldn't get a travel agent that is able to accommodate my dates because then we have we have taken leave right so it's either even if they have right the dates will either be after my leave ends or before my leave starts


so there's no way I can go with them as well, so so somehow somebody mention about this particular travel agents so I thought okay lah just give a call and surprisingly they're able to accommodate okay so I when okay initially initially the service was okay so so it wasn't like fantastic when you know


uh you know I had challenges to get in touch with them and all that you know but when out, no no different no different different is a different one ya so so I thought okay never mind okay I just went so you know sometimes when you want to go to mini pilgrimage there's a lot of challenges right so you just have to be patience okay because it's just a test so I said okay never mind so so I went


surprisingly they were they were able to accommodate to my request of not having any lunch I didn't you know they're able to remove the lunch package that means I don't have to pay for lunch there okay uh, I paid I paid slightly lesser lah it's not much lesser but you know slightly lesser so so basically that's what I did and did they're accommodate and according an interestingly they said this is the first time that they accommodate uh to their you know uh to to their customers


so I was I was like okay lah so I was happy and after that I maybe were there right, I think you will be taking care of very well you know the hotel rooms that we got was like Mashallah it's so big you know it’s like it’s really really big


and when we were in in mecca okay uh there were actually two bedrooms, okay two bedrooms and two, two uh, two toilets three toilets actually uh because two of the rooms have got toilets in there and then we've got the living room toilet and at the same time uh you know there is this uh what do you call that


a moment ah let me just check, hold on, yes it's a presidential suite, it's a presidential suite we were being upgraded to presidential suite, okay and you know the when I open up her the the the wardrobe right I was like


you know I saw the the iron standing, I saw the iron standing inside you know like you know it's it's a good iron because one of the things that I saw I you know I need to have a you know a good iron you know and my friends was telling me you know actually their the the what you call that they have less


hangers but amazingly mine is like more than enough hangers that I've got okay uh so that was a very very I would say, very pleasant surprise and you will be taken care of very well uh that's all I can say lah I mean as in we were very pleased with the services given to us I hardly


oh hagel you you you you may not have heard of them lah HAGEL, hagel HAGEL you may not have heard of them because, ya because they are, they they actually they are on word of mouth okay so word of


mouth and so that's how I got to know them lah because somebody like I told you right somebody referred to me so when I came so when I came back I hardly I'm I'm not a person who will write compliments I will always call to give compliments I'm not a person who types you know being my age right so


I and and being my you know being my my my my profession you know I'm someone who just pick up the phone if you wanted to compliments I'll just compliments over the phone I will not write but but for them right I literally went to their Facebook and I did you know give them compliments you know


and ya so so that speaks volume lah to the fact that you know uh this are first time and I went with my mum uh so they they really gathered to our meets so I'm very very pleased with their service lah I I think that's how I think that's why you don't know about them because it's they don't really market


like you know unlike <P2>nor mohamad</P2> T and Fauzi this like you know yeah but they are more to word of mouth lah uh that's all that's all I can say so so I'm very happy ya so what about you


okay, I see okay,


ya I I think I agree with to a certain I mean on one hand yes I agree with you is just that when you do a la carte right the challenge is discipline because when you do a la carte right is always more on own time own target so sometimes


you know you exceeded like you know the starting out of this I mean if you are disciplined enough then it's fair then that's okay but uh if you are not discipline right then I think the challenge is a time managing when you're there because you have you know this this number of days and you went to couple of places right so if you don't


understand, uh nice dining experience uh from me


I guess not much that I can say at this point I can't recall because be such okay because been such a long time since I you know , yeah that's probably for another discussion nah but for now right ya I I would say that I don't have much do you have anything to share about your fine dining


ya lah understand, ah what about you know insurance companies like you know do you have any good experience as in what do you think ah


of uh you know certain companies I mean now that I know that you had you know insurance policies with prudential and you kind of like their service maybe you want to share about that


, right right okay that's good okay for me I because I'm I'm I'm all natural so I don't know for all this stuff so I don't have I don't


oh well


right okay okay I I would not talk about that lah because like I said I I don't have that much of experience perhaps I would probably talk about gadget uh I I don't know I've been I've been using what I like about


necause you're using Samsung I'm using iPhone so, okay so I've okay uh you know when when when iPhone started initially I wasn't into iPhone, but my girlfriends uh you know uh they were into iPhone so I said what so good about iPhone you know because I'm not


an IT person I I not IT savvy I know how to call and SMS and that's it so, ya what know at that time there wasn't any whatsapp that was many years ago right so you know uh that was Nokia days so I was like okay so so when it was switched to iPhone so I thought okay so I kind of up ever if want to switch to iPhone I kind of like because I find that it's very user friendly


okay this this iPhone is , it's it's like it's is really literally meant for me you know like at you know a dummy you know an IT dummy I would say so so so to me it's it's very it's very convenient very easy to use


at one point of time uh I switched to Samsung for one reason when I was doing the upgrade right I find that the phone for iPhone is more expensive than Samsung so affordability wise affordability wise I thought okay lah


I I mean since Zamsung then I think I thank there was this promotion where I but you know I I uh recontract I've got the phone and I've got a tab a free tab I think they're clearing the tabs, so yes a Samsung tab so so what so I so I I I bought the Samsung I tell you I had a I had a very challenging time okay I had a very challenging time uh


like adjusting back to adjusting to samsung so so basically from what I see uh, it it it took me I think I cannot take it I think within a year right I change back to to iphone I change back because I cannot take it ya I cannot take it


ya so, alright mama


okay


yeah, yeah


ya so so literally I realize now right my whole household, uh you know my husband my daughter my son we're all using iPhones I I think because we ya it even even my son said you know my my P six you know he said Mak I want you know I want iPhone what twelve or what lah I said eh hello wait lah you know because I said wait for your result


oh yes yes yes I do , okay I will not comment on the not good ones because they are not the direct uh you know iPhone they are like a third party so I would not commented but but when I got the


the service over the phone the technical support over the phone they were awesome, even though even though you know it take quite some time for me to like understand because you know it I don't know whether you've called the customer service before because iPhone they're not they're not based in singapore so so there could be other nationals and their their accent are very different from ours


so initially to get adjusted but they speak very slowly and the most important thing is I managed to get it resolved you know what I mean I mean no no no point able to communicate and can understand well and all that but you cannot get things resolved because at the end of the day when you get this resolved so so one thing I like about


be as I I love it you know I really love it I mean and they are very professional like they know exactly you know like you know I said I got this iPhone you know that they're able to know so, so I've got a very very good experience okay with (ppc) with iphones really and my daughter will not want you know anything else you know hers is original iPods you know and hers is you know iMac and things like that so I couldn't use iMac because she has to bring to school


today so so that's why I I mean we are really into because probably we love the the fact that it gives values, to us so I I really love lah yeah you know I I am iPhones iPhone uh gadget basically as compared to other Android uh ya phones


, ah yes correct ya but but again because of my experience with them so I had a very good experience and I and I and I love it lah basically I mean experience in terms of using the phone because what's important is that every day usage right I mean using the


phone ah so that's what that's what I like about having the uh using iPhone phones yeah, but of course there are people who think otherwise to them they prefer Samsung you know after they switch from iPhone but for me I love iPhone ya right


yeah, yeah alright, so basically ya that's all I can, say about that phone lah


oh my provider is Starhub, ah okay, I think that one is no comment lah I think over the years at this point of time I wouldn't want


alright okay, okay, right okay !wow!, okay alright that's great right okay so alright then


yes I have a couple of insurances and different different plan but do you have personal insurance or not


so so what type of insurance that you have because this personal insurance I find that it's very broad , it can be like you know can be like so many other things whether health insurance whether of that kind of thing so what what kind of insurance you have


which which provider is that ah , because normally they partner with different different kind insurer, oh okay


there they will automatically off , eh but I notice I notice something I noticed if there is a term insurance or or this kind of insurance partner with the bank right I find that the coverage is quite high and the payment is quite how to say ah the the the is not that expensive much lower but but


ya but I find that uh sometimes the reason why I never take it up because I find it's quite irritating because you are there to go to the bank because you wanted to do settle about your banking and now here you have a people who talking about insurance but after looking back you find it actually their their insurance quite attractive you know


I know but one thing is that not many people will reading terms and condition you see one thing is that is really find praise and then on top of it sometimes they jargon that they use we don't even understand and then and then on top of it you don't answer never mind is just like you got no one that you can verify with


like you want to check make sure that eh is your wording this is is this what it meant and all that you know so that that's the part that I find


I think they definitely don't know


but that is successful or not


different different


okay we'll tell we are losing you then err


yes agree


have more choices, correct, okay if you asking me right what kind of the insurance that I have , I I do have two uh endowment plan previously one is just that when I was just uh study studying in polytechnic that one I already uh stop many years ago so the second one is the one that uh my first job my very first job I had that particular plan


in fact uh that amount is not much uh surprisingly now when I went through the policy right the coverage is very little and the cash portion is actually very little but I'm okay because I was thinking that that it was my first job, and then I'll be getting this money another two or three years time so I was like okay lah just carry on I just carry on pay every uh month shouldn't be any problem so ya and that


company was with uh Prudential ya so I find that uh in terms of their support also I find their financial even their customer service you know on call and all that is very good so so far I don't have much uh issues with them, ya so but ya so what I have right now is that I have that endowment programme okay I just bought myself a retirement uh plan which I think uh is time and this particular plan I I took out about uh two years ago


okay the payment is actually for fifteen years every monthly and then this will give me a assurance that after I'm sixty five years old I'll be receiving about thousand two monthly, for the next uh the next twenty years


so twenty years as means like when I until I eighty five years old, so just give you a rough figure so I'm paying like something like four hundred and sixty dollars per month okay and then I'll be expect uh and I'll be paying like from I'm forty like that forty until fifty five which is fifteen years then after that I'll stop paying but the payment we come to me only ten years later


when I'm sixty five and the payment will be for twenty years so I because the thing is that we can't depend on CPF contribution the one that they give me our our retirement plan and all that and I find that this is actually a good amount for a supplement


because realistically if you based on your newspaper cutting and all that right it mention eight thousand plus is actually really turn all that but I find that I think is manageable because the thing is that when I that particular age I really got thousand two and then I maybe got another few hundreds from the uh CPF and on top of it during when you're old


your expenses won't be so high you know ya but the expenses that high probably be come from your health, you know like you got health problem issues get sick and all that so because of that also I also ramp up my health insurance okay so basically you know about integrated shield mostly Aviva ya so I have that I have their cash portion the MediSave portion and I also have a term insurance


uh, the uh the health insurance got two part one part is that the first part that you can pay through your MediSave, then you bought the supplement plan the supplement you have to top up with cash that's one okay then I have another one is for the term insurance term insurance it covers me uh it doesn't cover me the early cancer plan because that early cancer plan is actually very expensive


because uh it covers you stage two and three and all that so , ya and that that is very uh how to say it's very useful lah for me because the thing is that now my children is still growing so they need my financial support a lot so in term like say for example during this particular period I'm sick and uh and I got this money from term term plan at least I can help to sustain our living you see until I managed to


uh what recover and all that so what kind of plan you have with the, no even health insurance


oh that one that one that one don't count okay that one don't count ever


the main breadwinner


ya you you see ah the the problem is ah Huza sorry to interrupt that many people keep on mentioning about being a muslim that you cannot have certain certain plans okay but the thing is that I discuss this with my agent very lengthy process in a sense like we understand that what if sorry what can and what cannot so


what can and cannot but the thing is that , what are way me in the reasons in terrm to say yes I want this plan is because of my needs, whether is it reasonable and the thing is that the amount that I want is not something like is very excessive is still in terms like five K a month and all that so my my the one that I want that's how we did a calculation one point two K I find that is quite reasonable


so that because my my intention of buying that first I don't want to trouble my children I don't want it to become a burden I want to become independent you know I also don't want to uh uh depend on my husband so we discuss about the issue and all that and then it outweigh, outweigh what my needs rather than that the religion part because the thing is that if later on I got no money I'm sick and everything I don't want it to be a burden to society


ya it's it's not small amount actually , is not , and it's a commitment that you have to pay make sure you pay every month and you don't lapse because the things that when the initial plan if you lapsed right gone you know because the first few years is the loading is actually is very high


correct but will doubt you see ah is quite how to say it's quite dreadful you will say eh I have to commit this for fifteen years that kind of thing but for me is that, you have to start somewhere and the thing is that I know that since that I already put aside this kind of money right I no need to think like eh I have to save more you know for my rainy days I know that that part yes I need to save still I need to save money but the part of retirement is like it's really taken care of if I put that amount so it's like I don't know I fell that just the burden is a lift off


true true true


no it's not because the thing is that the early redemption like what I said is top loading, so let's say for example like uh they they they they stop the policy like one or two years time and then they realise that it's not the same amount as they put it that's why they say that eh the insurance company cheated but actually it's not because actually every inside the policy rights they have all this about the loading and all that how much is the surrender value at certain times and all that


so that is sad lah they don't


yes, uh I think about forty six thousand or something like that


ya ya