ya you can of course can can put cash top-up cash in fact cash top-up is uh if you've extra money that you don't need uh cash top-up is good because the interest rate is much higher than the bank even higher than the fixed deposit so it's good to have a cash top-up but of course that is the extra money lah know not money that you would need to use one


the extra float that you don't uh extra money that you really set aside for retirement one and like me I don't know how to do investment I always lose money so put in the uh CPF is better cause it generate higher interest rate but then uh that's what I feel ah


as I said if let's say not enough then got to downgrade already lor no choice already but then if let's say you want a two thousand per month lifestyle and then, and then if you cannot it cannot cannot afford the two thousand ah then ya lor I mean if you want a two thousand lifestyle and then your CPF not enough then the other way is to downsize your house or downgrade or or sell one of the property


uh ya, so so ya I mean uh I I I really think that is a good good measures


I also lazy to find out but uh good lah ya you can share with me lor ya okay


I mean uh I have the uh when I's become housewife I straight away first thing I do is I buy the hospitalisation and surgical insurance and I buy the max one because uh although it's pessimistic but uh now singapore nowadays ah uh medical bill is high ah so


no uh so I want to cover my so so I don't burden my family ah cause you go in one time ah it's like a big, a big amount ah so I actually uh I also own home my whole family all of them are covered in the, uh hospital and surgical insurance the private one the uh not the not the just the government one so and then also I mean I buy some insurance


uh I don't I buy very little for my children actually I buy more for myself because if anything happen to me the payout will give it to them cause they can buy themselves later on when they are older but I if I buy myself is I protect myself because my husband and me are the


are their other our own breadwinner so if anything happen to myself whatever policy I buy for myself it will be able to uh know you don't need to pay anymore uh the premium but you can actually draw my payout money so at least I know that they are taken care of if something happen to me so I buy for them little bit for myself more


very young so premium is cheaper, ya agree ya


so it so it depends what you want lah for me it's I want to protect myself so that anything happen to me they will get a big sum, ya that is for for for that that is my intention lah cause ya that's my intention that uh so that I when I anything happen I know that I have it in peace ah they got money to continue


part three negative experience, yup


uh there are quite a lot of things that are service very bad lah depends on what, (uh huh), get got several lah the most recent one is I went to this fried chicken fast food restaurant they're having some promo


uh that means they were running some promotion so know chicken parts so because you know lah my family all like uh chicken drumstick and chicken thigh, don't like chicken breast so so I uh I think I can't remember the amount is how much is the maybe ten seven pieces for certain amount of money so uh I actually request for oh cause


that that restaurant lah chicken drumstick is considered small part chicken thigh is considered big part so I said oh uh can you give me if you can try to give me uh chicken thigh and chicken, drumsticks so I have some big some small drumstick is considered small part what so I say if not then you uh at least try to give me a bit more lah of the chicken drumstick and chicken thigh so uh you know the crew ah just say if you want to pick if you want to choose part lah then you don't buy promo lor


I mean they just tell just tell me off in my face know, you want to choose part don't buy promo lor and uh in the very like look down on you that kind I know you cannot afford or I know you only come here for the promo that kind of tone


yes ya so I I of course I still buy , my had to buy dinner for them what I had to buy dinner for my children my children expecting it at home already so I was I it I was taken aback I was taken aback it's like so he walk he walk to he turn behind no she turn behind and go and take the parts so I I'm still


brewing in my heart lah this question this remarks that she pass ah so so it's I was so shocked that I just keep quiet when she said that you know cause I didn't expect uh so shocked that I don't even know what to reply, so after that when she's go and take the take the chicken part and come back already ya so I said ah


I think it's very rude of you to say that know it's not that I cannot afford, uh the normal price you know but you are running a promo only a dumb don't don't don't take advantage of the promo and buy right, ya she


so I just so I just said that know, if you are running a promo and buying these why should I pay normal price when you are running a promo it's not that I cannot afford but only a dumb will not take the promo and buy right or not


ya then after that then I go home ah still angry the chicken ah doesn't taste nice anymore, , ya so this is so this is the bad experience that I have with this uh restaurant I mean fast food chain lah then that there's uh ya never mind you say first lah you say what what is know the this one this one finish right this one


I I also have clothes


!huh!, so poor workmanship ah her workmanship is so poor


(mmhmm) then


there's the QC of the company lah the the QC never do the job never going to check properly,


so opposite [orh] for me clothing is uh clothing is when I go and try ah uh go to the shop all's okay lah the they say oh every piece I try is nice one there's no one piece that I try is not nice one so


so every piece I try uh she'll ask me uh uh come out let's take a look ah help you see and then they very, good their mirror ha is outside so you have to come out you got no choice because inside the fitting room no mirror no mirror so you have to open the door and come out to look at the mirror so every time you open and come out


!wah! very nice very nice suit you suit you !wah! very nice so buy lor buy buy buy buy four pieces or five pieces ah go home ah try for my daughter to see ah !aiyo! one this one is not nice eh all make you look so, fat ,


so ya, okay uh cannot hear ha can hear or not , so so it's like I mean this kind of service you you want repeat customer or you must be serious lah I mean if it's not nice you tell customer not nice lah ah you must be sincere right or not uh if it's nice you say nice if it's not so nice you say no you don't say every piece also nice and not why


I chose uh I try I think about eight or nine pieces ah she say all can buy all very nice on you but I choose eight or nine pieces I choose I think six pieces ah so went back I try ah the two piece that my children tell me say ah make me look very fat ah so end up this two piece I never touch and never wear before


know buy and never wear before because my children say not nice ah so ya so also know never really I mean I still go back to the shop but whatever she say ah, I will uh, will not trust her fully lah take it with a pinch of salt ah I have to really see or bring someone with me ya so


this kind lah know it's like because for me it's the service is not good but the quality of the clothes is not bad so so the quality, the service is not so good ya they are not sincere every piece also nice one what so they also want to earn commission what it's very clear that they want commission because they have the target to hit what so you the more you buy then the more commission to get but then the service is no good


they they are not sincere they are not truthful they just want to hit the target but because the quality of the uh clothes is not bad the price is , I won't say it's cheap but it's because the quality is not bad so I, still go but


but because uh the service no good lor that that you don't don't trust them lah don't trust what they say lah you really must either go with your friends or you see yourself really you think that is nice then you buy [orh] so this kind not not sincere not uh truthful, , but uh even some time I go to another branch another outlet don't go to the same outlet lor


ya


but it's heavily subsidised right


and and I I also have uh another bad experience with uh those know financial adviser every time you go to the bank ah they will have these people there's, tell you ah !aiya! so much money sitting there ah not say so much they said this amount of money sitting in a know uh saving account it's it's so wasted know pay zero point zero one percent only so they ask me to invest lah why don't you buy this uh


uh you this uh investment lah, uh uh, it will help you generate a lot more uh money than you just put it in a saving account that earns so low interest, so then I said oh no no no I don't want to buy because I don't know much about investment and I don't monitor and he said oh no worry uh


I also got I also ask my mother to buy so uh I will monitor one anything I will let you know also because they also affect my mother what sweet talk until so good you know then, and he said ya uh even I also want because I just come out uh, started work not too long only so I don't have much money also so I ask my mother to buy definitely it's good then I ask her mother to buy right what said until so good lah and then cause my mother buy I also have to monitor what so I also update you lah


so so after , finally ah he him she managed to persuade me to invest ah then he said oh you don't invest all cash you can this is because this is this is so so-called safe not safe ah high risk but then ah


know you can use CPF to buy also means ah it's not so you don't have to worry cause if government uh allow you to use CPF that means this one is not too bad one lah quite know uh I don't know what is the term that she use ah can't remember already so cause it's many years ago so okay lah so in the end lah I use I think thirty thousand cash and uh


seventy thousand forty thousand CPF to buy so cause, uh and then I didn't know that it's actually high risk very high risk one know then I I think it did well lah because I don't monitor so I don't know I think it did went up to very good cause when when it came down very very very low uh the


the and then where where is she she never call me she never tell me when it go up then come down also by the time I it drop until very bad lah the the the cause it was affected because of the economy so I went to the bank and ask ah they said oh actually this the the person's already left okay the person that asked me to buy one already left no no more longer working in that bank


and she never give me a call ever since after I she earn my commission already, and then my uh then another adviser have to service me ah cause the person left already so she said she uh he ah this one is a he he actually said the your this one ah that you buy ah actually it went up to quite high before know you miss the you miss it if that time you have sell ah you would make a lot of money but because nobody tell me I don't monitor so I miss it lah


so now uh because of the crisis ah it dropped until more than fifty percent leh my share my price, my my this this unit trust ya uh


uh, ya not real the adviser lah because she said oh cause my mother buy I will surely monitor one know she'll say also uh, ya she she said uh because I I even recommend my mother to buy so I will monitor then lah I also let you know lah know he said uh since I'm monitoring I will let you know also because of course I have to monitor what since my mother buy right or not so she's


she very persuasive and very look look very sincere lah I know until I until I willingly let him let her earn my commission lor we pay seventy thousand to buy this whatever uh don't know what, suffer a loss uh a big loss actually it actually went up before lah it went up for for a few years or whatever just I never monitor she never call me and then uh so so I miss that that when the price was good lah


so when a financial crisis come everything affected everything drop then this one also drop until very badly so uh because it's a high risk it's quite high risk one so so it was very affected lah these things this this investment but no choice [orh] I mean


so empty promise lah know you cannot deliver don't promise this one I feel it's a very bad


they don't they're not supposed to ask you to sell but they can tell you oh uh the the the mine is I don't know unit trust or what I can't remember what is it because quite a number of years you they cannot ever tell you eh you can sell now can tell you [orh] the price is now at what price they let you know so you decide yourself you want to sell or don't want to sell they don't tell you sell or don't sell cause they


they are not supposed to but they can tell you the price [orh] just to update you ah you buy at maybe one dollar now it's already two fifty ah it's a good you uh just to update you so you say oh two fifty ah uh I want to sell help me sell I mean you they cannot tell you to sell but they can update you know maybe periodically three months or six months tell you eh this price ah went up this price went


down or or uh I know they can just give you some I already tell her I have no I've no knowledge about this thing and she said oh don't worry I will help you to monitor where so you give if you want to give me empty promise you cannot deliver don't promise that's what I feel


that's what I say they are not supposed to tell you sell they can only tell you oh the price they don't tell you sell, ya cause they are, they they they they cannot tell you to sell they are not in the business to they cannot tell you they're not supposed to sell but they are supposed to update you the price though the how is it doing now how is it know they can tell you how how is it


doing now know they cannot they just say oh oh oh now it's uh one dollar you bought at one dollar now maybe it's one fifty already you know just to update you the price they, ya that's why should that's why they she that's why I say she is very good at sweet talking sweet talking so I say it's a negative experience lah


she say her mother is buying she recommend this her relative to buy so this is very very good and cause my mother buy my relative buy I will monitor then when I monitor I also update you so that's what I said it's a very negative experience that I have lah, you know she cannot deliver she just want to earn my commission and then she say say say


ya so so that's why I'm saying this a negative experience [orh] know she she just over promised and then she never even know cannot deliver she just want to earn commission lor because they get commission what the admin fee ah admin fee know


so ya ya so so it's like, so now I don't want to invest ah I just put in uh this kind of endowment all this thing [orh], that at least I know that it definitely the the returns is not as high but at least it's definitely I won't lose fifty percent lah


advisor lor financial adviser


ya short term lah ya short there there till uh ten years uh that kind lor ten


uh ya, so it, so this is the very negative experience that I have lor over promise oh no you're not even over promise that they cannot even deliver at all or no intention to deliver what they promise


ya so now uh don't want to invest already lor


so will check for quite long already


part two positive experience, okay , uh I


yes , ya where this this I have this, very very uh good experience with a restaurant where seafood restaurant we went lah that uh we after that we go back quite a few times because of the service


okay know that this uh this this waiter when we walk in lah he straight away when we sit down straight away he will take the , what is napkin lah help lay on the for us and then know he'll ask how are we and so on and then uh he


so from the whoops very first we sit down ah all the way to the end lah he's very polite very courteous very attentive so where we because it's a seafood restaurant so we order a crab right so we when you know our hand would you have to use hand to eat lah even though it's outside


so when he see that we have to use hand lah he will quickly , before we start lah he will tie the apron for us offer to tie the apron for us then after that he say oh cause we you know lah everybody use handphone so he's go and take a few ziploc bag which is about the handphone size ziploc bag ah he say oh I put the phone inside the ziploc bag for you so that you still can use even your hand is dirty


then [orh] yup no, it's a seafood restaurant seafood seafood restaurant ya so, ten percent lor ten percent service charge ah after extra is you tip lor you tip because his service so good you ya we tip him lah ya so so he's very attentive and then uh he won't I think he's assigned to take


uh take uh know serve our take care of our table or what lah so he actually stand not very near to us but near enough to see if we need have any need so he will always come and refill the tea for us refill the drinks for us and then he do the handphone thing ah then after that we see the uh, you ask oh uh you also using phone lah I'll help you to know slot in for you this ah then after that we self plate is a bit full he'll change a new plate for us so he's very good ya very good we go we cannot say restaurant here what


after that lah , so we went there ah because of him you know then in the end ah my mum even say oh I want to celebrate my birthday there, because of his service and you know what then that day then we uh so I have to call in advance to make booking for the private room right then I also say may I know this so-and-so is still working there they say oh no he's off that day so I say oh uh


is it possible that he change shift ah cause my mum so like his service so much so they actually oblige no no problem know I will arrange that he'll assigned to serve you so I mean of course plus a few more other words so the service's, is very good even after know we like it very much lah know might enjoy even


ya service yes besides food of course food cannot be too bad lah if food is yucky ah service good no matter how good service's no use lah ya not bad the service, the the price's also not cheap ah but it's okay lah ya ya so so so this experience so good lah all of us so happy with the experience that we decide even after the service charge we still tip him personally and we even write a good review you know we tell him eh give me the card I want to write for you


yes I ah ask for it yes I ask for it, ya I think he got promoted then after that I don't know it's I don't think not just me lah I think a lot of people are very happy with his service ah ya ya


ya ya ya uh sadly ah he's not a local ah I think singaporean lah need to learn, , they they see customer service is very important know to them


, we still we we we are moving towards there lah we still have a long way to catch up but we are moving lah good government keep encouraging customer service, ya so this is the one of the very good experience that I have ah


one of the very good one that I have


I think that that have


meh clothes have ah you you can share clothes can share what good what good good uh experience you have with clothings


(mmhmm)


, for me , I have some good experience uh in the hotel the went leh for holiday ah the hotel the, because happen to be cause know all of us year end through birthday kids what so uh when we we travel during the year end it happened to be year end and the birthday when we checked when we're in the hotel scene lor they actually ah uh


so surprised us with uh flowers bouquet of flowers and a small piece of cake so this the extra service that the hotel uh actually , provide lah cause we have to when we checked in they see our passport all this what so so actually the hotel actually realised it's our birthday and they actually uh offer uh


fruit basket and a small piece of cake so I feel that this is the add-on service that the hotel, provide which is also very good uh as for airline now uh, nowadays cannot travel but previously I travel once with uh this this budget airline ah uh


during the promo so I get the ticket quite cheap uh, even it's a during promo ah ticket is cheap ah the service ah is is still the same maintain the same service even ticket is cheap so which is uh good lah know they are still attentive and doesn't mean that oh uh we isn't be it's a promo price and they


give you uh not so uh professional service so ya so I think uh also have good experience ah with the this airline that, uh uh, give us good service when even though the price is like more than fifty uh about fifty percent we pay only about fifty percent of the actual price


uh, ya ya still they still uh know not that long ago uh ya remember that time we manage catch that promo it's about I think fifty percent discount almost ya


electronic products are handphone lor computer laptop [orh], yes yes


ya fish ball is the very very Sian one want to throw away


ya ya strong yes ya


(mmhmm) ya so so ya so company do recognise that


customer service is very important uh people lot of people come back because of the good customer service because everywhere ah it's more or less same thing what why I want to buy from you so ya good so I'll so like that think about how how, age ah health and well health and fitness ah and sport is very important which I also very our government really ah uh care for us so much ah the one you know you know the three six five apps the the H


health promotion board one that know they reward us ah every ten thousand ah they'll you uh you clock in the point then you can get so, I also always forget to scan I forget to scan also the points ya so


I ya, oh is it can get coffee ah I don't get lah but I get the points I get points then I can redeem voucher I can redeem uh NTUC voucher when you are hit uh certain number of point so ah, ya ya ya ya ya ya ya


!huh! the walk it's it's you need to clock in the step what to to get ya then you cannot get points out for me it's the points ah it's the walking I clock in because of the point, ya, ya you you you you every everyday you clock ten thousand you get points ah then you you accumulate certain number of points ah so you get so uh our government doing a good job encourage people uh to walk and then reward you for walking so I think uh our government


our government and our MPs are all doing a, a a good job for us ah taking care of us you know so so, encourage us to sport and then now they even give us this credit so that we can go for the go to the pool go to the gym ah just that a bit too


crowded lah uh know the gym ah is always so crowded the gym ya, uh now no lah now no now because you have to book you have to book so so it's good but before the before the COVID time it's always so crowded lah


so ya ya always very very crowded ah, so so so they are ya but you need to book need to book need to book now need to book you have to book to go


ya that's why you need to book lor they only allow certain number of people oh is it no need to pay entrance fees ah ah !aiya! so ah or must lah again and again lah I say ah government doing a good job mah


ya give us money to study give us money to uh go for go exercise so I I also want to uh praise my our government lah I'm happy I'm happy that I'm a singaporean


okay so ya


my current insurance agent lah but I uh okay okay lah I mean I won't say that is a very good one they you and you when you have a question then you text her then she would, answer you lor I, then sometimes she'll ask uh uh you got some this new promotion uh whether you want to interested or not she'll come and talk to you so okay lah I mean uh when


at least he he she's also has been there for many years already so unlike uh that the unlikely that she will leave, ah ya ya ya


ya ya so good the plan, ya that that that that is a very very good plan


ya so, so he recommend something that is to your needs lah


so so she so uh he's able to recommend something's to your needs ah which is good lor cause ya he able to see what is your needs and recommend you


, ya it's important to see what is your needs and recommend somethings that you really need them just sell you whatever that they want you know just to want to earn the commission, so ah so is more is is more important that they see what's your needs ah and then recommend you things and then that that's why now down the road you appreciate that he recommended you this policy


(mmhmm) can't start to use


part one finance, okay yup okay let's start uh, ya ya, uh debbie how do you invest your money to accumulate wealth and planning for your retirement


ya so more (hmm) ya , ya okay so more or less now I think by the age of like we are targeting like by age of fifty five or so sell some insurance or perhaps some of the money that actually you have invested you're expecting some returns as well right


ya more or less ah , investment (mmhmm), more conservative ah ya similarly I also do that ya because I also do have like uh those kind of endowments uh insurance that actually we have a return like it's uh around like around our retirement age like fifty five or sixty years old


ya so then some also like lot short term I did mid mid term as well lah so that the because the bank interest is really low because ya so so look at the bank interest it's very miserable so so in a way I think ya we have to actually try to ya invest in in in other area


(ppc), ya that's why, have to be sometime , ya ya because I believe because I think the last time I think we if uh I think we did some investment right so it's like certain investment uh which is we are not so familiar we also do suffer some loss ah


uh so for that reason I ya it's like actually rather be kind of conservative lah in terms of uh , like in terms of certain investment, like more more for the safe side, more on structural side rather than those kind of uh ya uh those those that is more like uh some some risk lah that of losing even the money ya


, yup,


but for for my case I'm not sure about you do you have many cards do you have a lot of of you are are you using a few, , for me I keep to one, ya for me I will keep to one credit card whereby generally I will use that credit card so that in terms of the expenses all this is is like I know like I control within my means and of course in terms of uh monthly


uh payout or paying paying back uh pay make payment right always got to pay hundred percent so that there is no uh some kind of uh ya correct so you don't have to pay for the the other interest uh their rollover interest that involve lah, so I think ya correct I think credit card is necessary because some of the expenses we feel that actually it's like you may spend now but ultimately you will decide actually by end of the month or the date that is due right you pay you pay at a later date but it's still like


we keep within the month or so lah so I think it's still manageable ya in a way not to always like uh ya paying with cash ever in everything


yup yup, ya I think in that in that aspect I think ya (mmhmm), ya ya, ya ya I think you are quite prudent lah you are quite prudent in in making payment for our credit cards lah because we don't I don't really use a few cards ah so so in a way we won't oversight to actually not remember to pay another cards whichever that that resulting like got to pay those kind of uh interest


ya correct uh ya lor to some extent because there are benefit for other some other cards lah, ya so so uh but of course also remember because some of if you do have many cards right there are instances that sometimes they do charge you like those kind of annual fees or certain fees there's uh subscription fees also whereby you didn't really utilise the card but they are charging you


ya so so so ya so in the end in the end ya correct, ya correct so that's why as you mentioned at first initially they will mention eh no charges kind of thing right so so to attract uh so-called clients to sign up but in the end you didn't you didn't really use so so they start charging you


so-called I mean they they start to bill you lah, ah ah but but I do I do encounter incidents, ya but my norm my norm is usually I will cancel, it's like you cannot tell I cancel ya because it's no point I'm paying all this thing whereby I don't really use that card ya not every card is popular lah not every uh so-called the credit card is popular


it's right (uh huh) yah lor


ya, but but basically I will think that actually when so-called we want to set up a family or so right it's like you have to really look at the income of, both parties and also like to to actually assess if let's say you want to actually buy it be you want to buy a HDB or even people okay okay because basically if let's say the the person


the income of the person is rather high right you also cannot buy HDB ya you have to buy executive exactly uh executive uh condo kind of things ah I heard ya so so as, ya that's right that's right so it's like not not so much if let's say you ask me


personally I I doesn't mind staying in HDB ya so so just that I think uh ya correct so it's like I think have to assess uh for both couples let's say you do you really need to what what kind of uh what kind of CPF maybe you've started work already then you have actually save any money so that you do have uh maybe some cash


and also you're in a CPF you also have money so that you can weigh that to to consider whether you want to get a house, uh of course I think most of them are I think they are, they tends to actually maybe apply first right, they I mean uh I think some of the the younger family they they do apply the house first right


eh deborah where are you, oh okay


yup


(mmhmm) yup, (mmhmm)


(mmhmm), but but actually uh sometimes it's uh whether to get a car or not I think so now this can consider later whether necessary for the time being also ya


ya


ya true that's why I have to plan in advance lor ya correct really I have to plans ah ya because of course ah some day they may they may consider okay we have to wait for the house to to like more or less lah if let's say BTO whichever got to wait for some years so at the same time, it's like more or less you also got to plan lah that you have some saving on hand so for so that I think that there there must we must plan for saving lah it's like you must be also like prepare to save


so that by then ya you've already got some money on hand so ya correct so so I mean this is I do agree with what actually you shared as well ya so uh ya so besides this is uh actually uh ya Ling what about do you think about this uh your CPF contributions


ya, force you to save yup


(mmhmm), ya, I think this is one aspect lah I think uh the the the other one actually might might


concern is also like so-called the this uh uh our this OA right it's like actually they mention about you need to actually, uh have a certain amount inside there so that because you know our retirement we have we do also have payout right we have retirement payout like certain age then from there if let's say you we do have sufficient


uh like amount in its so-called OA then then from there they will transfer to the the retirement uh so-called payout right so so I mean that is uh the area that aspect if it is may affect it may have affected some of us if let's say like like us like if let's say it's like we actually uh may not work long enough


or maybe we already like pay have been paying using the so-called our this uh CPF income some uh CPF uh this uh uh this OA account to actually pay out, pay out some of our loan for our housing, so if let's say you really don't have much uh then I


then then unless we do have enough money there to top up then we will have that payout so so, that is one of the aspect when they actually increase the top-up uh I I I felt that kind of concern lah it's like whether it's like if let's say we cannot maintain that kind of amount how are we going to also ascertain that


we are able to take out the money in in which meant that, uh uh eh, as I as I mentioned as I mentioned to you uh it's because we actually pay loan also right, so I mean uh for for myself it's actually we I do have like uh like some sort of we do have uh also some investment so housing investment kind of thing so so that that amount is like it's it's going to eat up eat up lah of course uh ya I mean that that is one of aspect lah ya lah


uh uh , uh like like like I mentioned like I mentioned just now right uh deborah I mentioned just now which mean that


some of us what if let's say we ya lah I mean it's like uh we have to pay off the for the so-called the so-called uh let's say for myself it's like asset lah ha so but besides this is let's say we we didn't work uh perhaps I think drain off our OA and then like if let's say you didn't work for enough for many years so the amount there we need to ensure that we top up


so which uh of course ah in other way maybe the top-up can also be what wherever you have have returned right from from all the investment that you have of the bank I think ultimately we can also do a cash top-up right if let's say we are, cash cash top-up


(mmhmm) (mmhmm), (mmhmm) (mmhmm) , ya, ya I mean I have to be extra lah correct because


ya you got to pay extra money lah you go to pay extra money so so ya correct it's like actually the retirement payout that I that I mentioned because it's up to certain age so we will expect like okay let's say you maintain certain amount there so of course your payout let's say you your expenses is like you're expecting lah okay uh like maybe monthly about


two K or whichever so the payout whichever so of course you have to maintain a certain amount there so you'll have the substantial payout that is quite uh helpful for our retirements lah ya ya lor


no lah no need to downgrade lah just sell off lah sell off I wait for en bloc en bloc , ya mine is HDB lah the other one is like either it's like en bloc then uh then then then not our worries lah ya


uh, I think this one I'll find out more the CPF contribution because I understand from my friend there are certain thing that we can maximise so-called the CPF contribution this one I may need to find out more because I understand lately there are some there are also some change ya so uh ya when I find out more I I will let you know okay


ya okay that's good that's good that's why , so uh let me see here are you , okay what actually do you actually have any like kind of some kind of financial plan or investment for your family or children lah


, but, okay, (mmhmm), okay but I think another aspect right when I mentioned about childrens right actually if let's say we I were to buy for my children


in terms of like uh buy at the age when actually I for my for myself lah actually, uh it's like I also that time I consider actually buying for my boys when they are actually like like when they are are a few years old ya correct so so actually the the the benefit is that actually when they grow up right actually they can also they can continue to use this whereby uh buy at a very low premium rate


ya so so they'll continue when I'll transfer back to them so so when they start working also so they can take over and they can actually pay at the such a at at a low premium lor so this is one advantage as well lah, ya


uh ya uh myself also I cover I also cover that ya, uh ya, ya ya then this is oh this is a way to also take care of our childrens lah ya ya so I think that ya more or less I think this this are the things lah I mean it's the so-called I think uh of our age right it's more like uh to also like have this kind of uh health insurance covered lah yup thank you


part three negative experience, eh debbie , ya okay let me see here ah you the time you mention what there's one there's one incident that you mention the service very bad one lor


quite a lot lah quite a lot ah , so you, you can mention you can tell share with me one of the worst experience lah, which one do you have which which area


(uh huh)


you made you feel that way ah that is bad !aiyo!, then in the end do you buy


, who says promo leh , !huh! , so do you say can I can I go to another counter ya so next time won't look for him again lah


, so shocked


this so shocked you can not respond


uh you seriously you you tell him you tell is a is a he or she, oh like that ah oh,


ya that's why so now the the remark that they pass is it makes people feel feel sarcastic ah ya, , affected by the


ya ya ya, I I share with you one ya okay okay you you have okay lah you have you finish already or not you you ya the the ya okay so my turn lah my turn lah I got one experience about clothes lah hor clothes again lah


okay I went to this shop ah and I actually uh , uh so I bought the clothes, okay so the the clothes is uh not really say cheap very not not, really that cheap right so actually I try try already I bought the clothes right so in the end lah I didn't expect that the so-called the the so-called this kind of boutique shop right I mean I don't know the grade is really like uh the standard is like really drop so much ah I don't know where the so-called the clothing's uh where is it where is it from lah ah


so I was I was quite surprised when I actually I try right !wah! I like I like incredible hulk you know, I wear already eh, the the the actually so-called blouse ah torn apart you know behind


I thought it incredible ya correct that's why it's quite nice you know the the the top itself I find it nice because I like the so-called the the animation on it lah, so I bought already, so in the end I say eh maybe this size !aiya! I say this one you give me a torn one lah how come because at first I thought eh maybe the the thing not very good so in the end I say can you give me a bigger size so I can fit also I I really I actually bought and then I try maybe okay so in the end I go back and wear ha torn again you know or not


, so torn again I think I got to take picture I take a picture and then I I just call the person I say it I call I actually I got the number lah I just call them and say can I change because I this shirt is torn, right so benefit of doubt ah


go down there change give me a new one repeat I say you give me a bigger size ah hor, so come back the bigger size ah large ah, okay still torn, still torn, so the quality is very bad lor


ya it's not a cheap shirt I was like talking about thirty dollars blouse right so it's like, uh I don't expect the kind of uh the kind of service ah I mean the kind of quality lah hor the kind of quality even the service is good but the quality of the the things that they are selling ah is like degrading or downgrade lah downgrade to the extent


uh, ya the shirt the blouse looks good but it's torn you know it's like any size you are wear it's going to be torn, so basically this this thing look nice but it it's just torn lor so in the end I, I cannot be changing again mah right so it's torn lah so I think that its quality is bad lor so


so sometimes uh ya same boutique shop uh I used to buy from them but uh the quality is bad even the service is good I will not go back anymore, ya your turn


ya usually


that's why it should mean they are not sincere right, it cannot hear, okay ya ya now can hear now can hear ya


sincere sincere ya must be sincere ya


ya that's why, ya correct,


ya, [orh] some more service is not good or because they are not sincere right it's a


ya they just want to sell the product lah they


, , ya (mmhmm)


ya ya oh ya got one experience I want to share with you I mean lah I think recently I think you know lah ha, I I go and attend a art class right


ya I mean I mean this one is uh not really like criticise lah I means like a little bit it's like uh I'm not sure it's sometime sometimes like some of those those uh so-called government subsidised class right, uh like uh the fees can be quite expensive


can be quite expensive, uh heavily can be quite expensive but heavily subsidised so you pay for it so so look at it even though government subsidise the the the fees right so in in actual fact we will expect like uh maybe the the uh coverage of the so-called the the lessons right


let's say let's say it's like maybe they cover about one week I will think that it really one week everyday like at least weekdays uh five days right so I was uh kind of disappointed lah then uh in a way because I didn't know actually last day ah they don't really have a lesson it it's for uh evaluation kind of thing


so I felt that actually eh how come like a bit short change eh, uh because actually the lesson like , not enough leh it's like actually the uh but I join I do enjoy the class just like just felt that maybe uh the lesson is too short because last time one of I mean one of the classmates I ever share he say that last time he also attend similar but it's about a month you know


so that way they shorten until like !wah! one week so !wah! so I I felt that actually in actual fact sometime it can be okay lah because something that we benefit but I think, but I think they I do not know is it because of any reason how come the class's been cut short but of course ah people can say circuit breaker whichever lah but but to the extent the fees wise know it won't be because of circuit breaker they give discount right


, like the class all this thing the the lesson coverage so I I I felt that actually a bit short change so when they ask me again want to attend for subsequent class right so I I said I would have to think about it lor because even though ya even though I do enjoy but I just felt that it's not enough lah


it was not enough ya the training wise uh, also of course uh not sufficient lah because if let's say the training is so short right uh even though it uh can be a leisure uh class that I I I take take up but I just felt that the ya lor they cut down to very short lor to the number of days very short


ya lor eh deborah, uh


(mmhmm)


(mmhmm) , but but I just just wondering hor, just wondering hor because bank right for bank ah if let's say they have this kind all this kind of uh investment advisor right I mean uh do do are they are they like I mean so far I never uh encounter any really help us to monitor like those kind of uh those kind of uh remisier whichever so I do not know because it's like you buy


uh even they are advisor who I mean, oh she's she told the the person told you that he will monitor ah, she ah oh


oh okay ya


but but the one suffer a loss ah more suffer a loss big big loss ah !woo!


ya , but but actually I'm wondering lah hor


eh deborah ask you a question lor ask you a question lah because I'm thinking ah sometime when the share go up right because for them right if let's say they sell to you if you sell then in the end I'm not sure whether they are it's like are are they supposed to like ask you all to sell or if let's say you maintain it inside there they will still like earn kind of commission leh


correct correct yup (mmhmm)


so far in my memory right I didn't remember any of my even so-called the financial adviser really ever really ask me sell anything leh sometime I cannot remember any leh, ah they they which like they they they didn't even tell lah they didn't even tell so it's after you see the thing drop until like that already ah then you want to sell or whichever you have to decide to sell to cut loss right to cut loss lor right


, I know I know they they're not supposed ah unless they are remisier mah remisier remisier is different


I think they won't be so diligent to tell us lor it's like I felt that they they are so they won't be so diligent they just want to earn the commission lah it is about earn your commission only ya correct


that that is big that is big bucks leh !aiyo! so so much money seventy thousand, commission ya lah true lah they just want to earn commission lor admin and also commissions lah but of course now's a day


now's ya lah more safe lah ha, ya lor true lah that's why ya lor that's why I also in a way lah


because most of the bank right they have this kind of financial uh what adviser nowadays also they also uh like some of those like uh financial uh those kind of insurance company right they also like take up


uh some of this uh so-called advisor role like to sell like endowment or all these things through through those kind of uh insurance company leh ya ya not directly under the so-called the bank lah uh mid-term lah I actually ya


ya lor true lor that's why ya anyway the (mmhmm) anyway the the rest of it


, ya correct because especially the amount of money is big leh so ya so I think that is a big concern lah if let's say you lose so much money [loh] of course you you don't you you already lost that confidence already lah so we will not want to try anymore ya lor true lor that's why this kind of this kind of


thing uh ya lor they earn ya lor let me see here oh okay so, ya yup , ya lor that's why so quite quite a bit of things ah that we have lah


[hor] (uh) okay (mm)


part two positive experience, okay yes yup, ya eh deborah, ya okay how is it okay how was experience uh what what do you like ah actually I think you like food more right


you appreciate food I think was ya


ya ,


can I check ah is it hotpot lah not hotpot is western lah, seafood restaurant lah okay, okay so extra extra uh extra uh charges for the service as well


is there any extra charges ten percent lah normal ten percent lah, [orh] tip them lah oh okay okay okay okay


can I say ah so good ah so good ah which which which restaurant is that ah, , okay okay good can say what ya okay, !huh! okay but he resign


!huh! okay , looking for the outstanding, !huh!


oh oh oh, so it's specifically I think is uh the service of a waiter I think maybe most of them also, good lah ha ah lah ya lah correct service food standard lah must be good also lah hor this is how we attract people lor ya lah this how you attract people as well


you ask for it lah you didn't they have to ask ya lah it's very good sometime you want to write uh ya to appraise the the person ya lor there (mmhmm)


ya lah I mean all the customer want the same type of service lor that's why if let's say every restaurant got this kind of, waiter right I think !wah! the business will be good all, ah, you are talking about ourselves


singaporean , ya ya true lah that's why it's true lah because sometime we look at it so it's it's something something it's uh ya, ya lah we are improving lah ya lor that's why that's why I think


oh one that that is one of experience lah oh okay, ya what I think maybe I travel I think ya this year don't really have lah just that I think travel I do enjoy, like the uh southern travel agent


ya uh some of the services actually the , the people even the tour guide they engage, uh even though sometimes you may pay a little bit more but I think the tour guide play a part, uh like some of uh I think uh one of the I think oversea


like went to korea that actually the tour guide actually they actually did a very good job lor they have a local tour guide and also have a oversea tour guide so that oversee tour guide actually uh did much more it's like I remember that time I think when we went there right my boy was not feeling well


so actually can see that actually he uh she even give give the kind attention lah, to actually to to to to the client lah to to us lah are actually the boy to make sure that he's he's taken care to uh during the trip right to actually uh like know he he also recover uh it's like he's feeling better because uh the the season that I went over to korea was very very cold


so sometime you just imagine when you're sick over you're sick right and then you went over there you will surely like you may think that you may not enjoy so much but I think the uh ya I think uh, some of the tour one of a tour guide I think uh one of a tour agent that I find that it's good so in so in natural fact actually I continue to go back to the same also the same tour agent


ya same tour agents ah moderately of course the fare may be slightly uh uh I think would slightly more expensive lah ya but but I think it's it's uh it's it's worth it lor sometime you see that the coverage they have and all those things are good lah so


so I uh ya I think these these are the the thing that I actually appreciate in travel lah uh let me see uh what are the is uh I think clothing, clothing wise seldom buy lor , clothing wise uh clothing wise that I got thing to share


but clothing I think ya !huh!, ya ya okay okay clothings, oh clothings ah oh okay lah I think I okay because I think, usually when you actually patronise right sometime you know that you don't like people to ask you want to get this one whichever right so sometime uh some of the boutique shop that you actually go and buy buy buy the clothes right


uh the person are quite nice in a way that they don't like always like looking at you say oh you want to get something uh help you get something, so so they they actually feel they actually make you feel very comfortable, then you choose already then subsequently they of course I think maybe to to some maybe they find that it's it's it's the normal customer service lah they say eh you try already never mind you try you don't uh really uh don't like never mind no need just try so they'll tell you just try only you know don't buy never mind you know


so when they say I'll don't mind don't buy never mind right so you just go and try so you don't feel that pressure lah it's like if I really I don't like, then of course I will not I mean not consider to buy lah so so actually when I get to try so so this person I think uh


actually I don't really choose, I don't believe I find that actually some really don't like but but it's also because of their service right, because of service right ultimately ah you still find something that you like and then you buy from the person and uh the uh I think the service is is good in a way lah


so you will continue to come back and of course they also give you extra advices like they also got good sense ah, good good uh good sense of of of a dressing so they they give you good advice so so you you you may also buy or even matching accessories or even shoes but shoes I don't lah ya shoes I don't really ya


ya maybe uh (mmhmm), yup ah


oh I see I see it despite of the uh discount they actually also the service is very good right, ya I think another thing I think I'm I also uh I guess the consumer the all those like the electronic products do you buy


uh ya computer laptop and know fridge ha I think that there was one year right so coincide that actually is it your fridge or my fridge also spoil ah before I go for go for holiday, ya then my fridge spoilt I think you also have this encounter right so so actually I I


ya correct just before go holiday then the fridge spoil then it's like actually I got to go to the so-called that that uh so-called the shop uh so-called the electronics shop to actually, source for it so I think uh I got a good encounter with the so-called the customer service side lah it's like uh oh this person is very good this side actually because I got to measure height this and that and a lot of other things right so so uh


so the extra service that they give right actually they they they really very patient with me ya this height this how long how how how wide how uh how tall whichever right so and also what brands ah of course also the, budget as well lah uh they actually also advise but but I got some challenges ah because my my space is very narrow so I need to buy a so-called a tall fridge ah a tall fridge


so that tall fridge ah also like uh like, just nice got to fit in right so this person even like go to extent oh actually you need some some kind of holder whichever because I said eh this thing a bit protruding out of my so-called that so-called that uh the the the platform that is that is on my there so the person actually even like go and find the thing for me so he said okay actually you can use this


so so uh uh they actually really put in a lot of effort to to actually tell me or even advise me and then in the end actually I buy more than a fridge ah so every time I go I will, I will look for the same person ya that's the same person from the electronic shop lah


ya so I think uh this this this was my experience ah so because because normally it's this ah for big item ah I mean I consider fridge all this thing ah, bigger tickets item ah which's more expensive or even like televisions right so so uh I may be a bit fussy one because I I guess maybe you're also lah hor so I'll ask a lot lot of questions right so the person is like uh I'm ask question but the person got to be patient with us so so actually it's like at least the person listen but I may ask already then I


go off leh then I come back again so but of that instance is that actually I I I need to actually source for a few lah just want to make sure that the price's good, so I actually went to a few so in ultimately uh when you see the price is more or less equivalent and then uh it's about there right so you will choose the one which is with the best customer service right


ya best customer service so we choose them they'll make arrangement you say it's urgent they tried to uh arrange it uh like ASAP they know that it's three days whichever so so that is the, the service that actually I think it's uh really a appraisable lah ya ya so I mean I I think maybe I think we we actually do shop together hor so sometime I see that ya correct lor the customer service is very good lor ya


, ya correct yup ya ya correct correct the lor


uh ya thanks for reminding me leh actually I got to I I think I forgot to use it, because the they sometime you okay whenever you purchase right there's this barcode there's this barcode right there's always like this a scan right you scan QR you scan already you can accumulate then after that you can uh know know go go to this can get a coffee or whichever lah how many coffee yup ya ya ya because my friend he get ten or whichever ya


uh, yes yes yes, you also do the walk right you also do the what the walk right the the walk I didn't use it lah so , the walk, ya lah correct correct I didn't I didn't really do it it because I think that one also quite good ya ya because my my friend was telling me got what you you got this uh voucher is that NTUC voucher or what voucher cold storage voucher


ya correct lor so while we do it you also can you can get some benefit from it [orh], you mean the gym is it [orh] ya but now with this uh circuit circuit breaker it's like


or before [orh] the the gym lah hor ya because for me I go to the pool I I will go to the pool so ya recently I think you can resume uh we can go back to the pool because you know before COVID right


!huh!, you book ah okay okay because I, because I actually have this uh the class Tabata the the Tabata class mah aqua Tabata class so they the fees was actually got to freeze because of the COVID right, so so in the end lah so ya


(mmhmm) so in the end lah now now they resume so we can use back whatever balance that we have to to actually pay off pay off our this, uh coming class so they restrict to like one one class fifteen person lor so the whole pool only fifteen person fifteen of us only, but no need to no need to pay entrance fees hor no need to pay entrance ya we just go in like that


uh they because it's just open ya it's quite quite good lor so if let's say ya, , ya so they they actually it that's why it it doesn't really like forfeit lah hor because the money we paid mah so it's like it doesn't forfeit so it's still there so we can still use it lor I think that that is good lor


ya me too actually now you look at it lah it's uh you'll appreciate a lot of things ah ha ya correct ya so so got to be thankful lah ya lor so it ya actually what about to find this good insurance service ah


you insurance service actually uh actually do you have good insurance service uh that actually you currently on hand do you have any,


, ya ya lor,


eh but does but does appreciate what's uh what last time last time your uncle recommend me me the pink of health ah, the time I actually went abroad I didn't really know right, now pink of health it's like you cannot get it already they say it's that ya you cannot get get get the kind of uh insurance because the it's really like uh it they they cannot they I mean now they won't have it lah but I mean it's a good thing that I I I bought it at the time whereby it's very cheap lor during those time when I uh during those years when I was working


ya so I managed to actually able to utilise it lah even though like like uncle is no longer in the insurance line right so these are the insurance that actually benefit us lah so it's actually uh ya because it's it's it's really like the amount is very small but in the end really because


during that time I would think uh ya actually I buy me is it waste money because but actually I think of the amount amount that I pay actually quite actually not not much ah I can afford to pay [orh] even I pay for ten twenty years it's still, still not that substantial amount so so I decided so so that time uh ya lah my my mum benefited lor from this pink of health lor when I bought it


ya lor correct even though even though the person left right I think it's still good lah because that service is something relevant lor, that's why I find that actually if their insurance ya sometime,


is it ya correct correct ya ya, , ya correct correct , ya ya because when you really need it now then you actually appreciate lah because now of course ah of our age ah uh we'll appreciate more


ya because, because sometimes along the route right if let's say really there're some health health needs need to address right so we know actually we are covered by insurance because especially if let's say uh ya lah not working ah if you're not working not not covered by a company then I think it's very important that we do have our own insurance to cover ourselves lor


ya so so that's why I think, ya lor the relevant insurance that actually the ya even like I think the time you actually mention ya quite quite good good lor so we put that put that focus ah into that insurance and and of course sometime some of the the services lah I mean uh of the insurance uh agent uh uh I think


some of them are some of them are still still I I I encountered recently one which is also quite good [lah] (mm)


okay, hello


yes currently I do have some uh personal insurance like protection saver policy uh


also have uh previously when uh I also have a endowment policy that was uh twenty one years uh which uh was uh able to help me at the end of twenty one years to able to uh save a lump sum of money where I can use it to use it for my child my children education


okay currently due to my age I'm now fifty three so for uh for endowment I'm not looking at for a long term one long term uh uh a longer long term uh saving


currently I I I do have pick up a for a a short term that uh uh endowment plan that is pave uh paying for five years, then the policy will roll for another five years which will take about the total about ten years so by the time after ten years I will be sixty two this amount will come handy when I'm


uh just in time for my retirement


okay, err, you mean experience in for this uh financing uh bank uh mortgage loan


ya currently uh our we are we are still serving our mortgage bond with uh with DBS uh we used to uh do a refinancing every three years so that each time we will be offer a better interest rate


yes, refinance yes


uh for this one account based on my understanding I think they have a few category that you must fulfill before you can enjoy higher interest rate I think one of the one of the criteria is that you have to credit your salary to this account


then after that uh saving you must have a, they have different tier of saving amount so which will will give you different interest rate, I think the maximum is uh seventy five thousand which will give you the highest interest rate if I'm not wrong is


three point two I'm not so sure lah but uh then the other thing is uh I think these these are the two component and then the third one I think is the the using of the credit card every money it must spend five hundred dollars using the one the uh one credit card


in order to enjoy the higher interest than the normal saving uh interest of less than one percent


oh okay uh, for dependant protection scheme it is a term life insurance that provide insured members and their families with some money to get through the first few years should the insured members pass away suffer from any terminal illnesses or total permanent disability


eh but then I cannot hear the voice why ah, uh now now can ah now I can eh


okay okay now I can hear, okay


yes it is a it is a basic health insurance plan that protect all singapore citizens and permanent resident uh uh for the large hospital bills for life in regardless of age and health condition


great eastern


I think so I think in two years' time it should be a compulsory scheme for for form for citizen who is above thirty years old


yes this one uh the eldershield will allowed policy to receive a monthly payouts for a period of time depending on their plan so it it it it do helps uh for a short for uh for uh a certain period of time


D uh DIY no for no for me I will prefer to look for a agent because uh uh a agent will able to provide me with all the professional advice and the and they able to know the needs of the type of insurance that I should purchase for for myself


actually both term insurance and whole life insurance


are the same it depends on your on the on the person who purchase it on the the the budget if he have uh he's able to uh uh service the whole life insurance of course will be good that he he he or she will take up this whole life insurance where


where when end end of the uh uh uh the life insurance they still have a a lump sum of money that can be given back to them where else term life will be uh able to insured uh uh uh at the end of the term there will be no uh anymore any uh uh any amount to be given back to the policyholder or its uh uh


uh uh do uh call that dependant, yes


uh well I think this is also another reliable source of investment because uh investment policy linked I mean I I have, I tried I have uh bought a one investment policy in earlier days with NTUC income where I will uh set aside a fixed amount every month to buy


certain uh certain uh certain uh what you call that uh, uh ILP products uh like for example like uh uh technology fund or this uh uh prime fund which uh which uh out which after a period of of uh ten years I'm able to accumulate uh uh quite a good sum of money yes


debate topic three, okay


yes,


yes


oh oh


oh dear


(mmhmm)


yes lost the business


uh so far I have not uh encounter such experience at the hawker centre , but maybe other other places lah where else like maybe ever went to uh will ever ever went to a uh restaurant where uh where we have a meal over there


then we observed that eh how come the the the the the the the the tops plates and the plate is not clean still very oily at the bottom part of it lah, so then the when we when we asked for a change of the plate the service uh staff feels like giving us the look feeling that looking telling us that the impression giving the impression that we are very fussy about this lah


so we think that then also they are not not so uh helpful then also was also on uh not so uh professional enough lah so they seems like, don't care don't give a damn don't care what is happening what happen what is happening lah so we are this uh for this to after that we feel that eh this is quite a quite a bad service that we had encounter


ya ya very long waiting time, yes,


I see


, okay I also have some bad experience on this uh, on spas on certain spa and , beauty parlour beauly beauty salon I think currently as you know there are a lot of promotions uh having


uh trials uh first time of of of a trial uh uh trial for at these uh spas and uh, beauty salon so uh actually I got one recently we went to one that was uh the uh we have not a pleasant uh experience because


the actually the the service was good but uh however unfortunately the the salesperson was very uh hard sell they will keep pushing recommending you to uh add on this to your facial or whatever spa thing ya ya


yes so, so , that uh lady job but some of them is really too pushy until the the consumer will feel that !wah! they what they really have to really have to sign on before they can leave the place lah


uh yes I think I I do I think I I do happen to go to one of the restaurant the food there were very expensive the serving was the serving portion was was small then also, uh


okay (mmhmm), uh the the food was expensive then uh the the the the serving portion was small then uh (uh huh) then the the what you call that the ingredient the food the food ingredient also not that fresh not that fresh


then also uh the the the sales the service staff was not helpful, also uh uh uh uh uh uh not helpful then they tend to like uh uh tend not to pay attention not tend not to look uh pay attention to your needs


whenever you ask for something for some help they will just pretend that they're not looking at you no or or not standing around


ya ya ya that could be one of the reason ah that why that's why also they had maybe they have been too tired or or or maybe they have been looking after too many tables so this is, it could be one of the reasons ah


that we can at that uh we experienced such a uh not uh uh uh unpleasant experience, (mmhmm)


have I think we were we have with we have went to one place went to uh europe side I think the package uh the the the tour agency offer a very attractive package


uh the price is uh much lower than other travel agency, but however when we were there we went to the when we went to the place to our disappointment uh a lot of the place of interest entry tickets are not are not covered and we have to pay uh it's optional and we have to pay to go in


that , ya a lot of the meals are not covered also which is uh cause a lot inconvenience because we are not familiar with the place then for example lunch is not covered but then we had to they give us one hour then have to go have to waste one hour go and go round hunting for food


hunting for the food yes, ya


yes a lot of it does not cover a lot of the tickets to the places of interest lah so we feel that eh we are being slot chat short short change short charge change because we had to pay uh even more for to to enter into these places if you don't go then you we waste we will have been it's just like you're having a wasted trip


yes yes ya actually ya think for that trip the the the the guide who brought us there did not, explain all these he will leave it all the uh itinerary all the explanation to the to the local guide the


the oversea go local guide which he uh which he uh we he's not sure of what are the , places that we should uh we we are look we uh uh is being uh places that we are being we should we should visit during the trip


yes yes yes


, the sound effect is not good enough,


distraction yes


is


I think currently the gym I think it's not open for booking ah if I'm not wrong


but on the whole I think overall in singapore I think , uh we experience more positive experience lah in terms of services products and uh rather than uh negative occasionally we do encounter lah but on the whole we still have a very pleasant experience uh in terms of shopping in terms of food


in term of travel in term of uh leisure uh entertainment, yes, yes


thank you


debate topic two, okay


uh no actually recently my daughter just got her new house so we also went shopping for electronics, uh consumer electronic products and gadgets so like what you mentioned we went to also we were went to to this gain city bought and we also uh bought the bundle package which uh like uh for example you buying the washing machine together with the TV plus the uh kitchen uh hob


uh kitchen hob uh oven aircon all these you will enjoy great discount prices, uh uh, we also went to this uh uh best denki also they also have various type of promotion that also uh likes uh that that also is uh uh uh bell uh can make a price comparison


yes as actually I must give credit to these uh sales personnel because actually for for uh for me I also don't really know much about electronic products and the gadgets so they are able to offer uh ask the professional advice on the best products based on our budget


that we are using to but uh get the best uh item electronic products for the new house, yes air conditioning system is something that it need some professional advice to to to to to give you all the necessary information before you before you decide which which brand which brand of aircon that you should buy


ya where to install yes, et cetera yes


, yes , ya maintain yes yes yes of course


yes of course for my age I used to experience backache uh uh uh uh uh what you call that backache uh uh also uh, uh numbness in my in certain part of my my hand and leg so actually I visited those uh TCM where they are able to


uh the TCM massager is very good they will able to help you to to uh remove all the aches that your from your body then also uh let you feel so , fresh after each massage then also you can then you also can go for facial facial with something that is uh also help you to cleanse the face and give you a a a nice lift to make you look


even prettier and uh uh fresher


yes of course they are very professional and they are able to uh help you release uh release your pain from uh release the pain and also make you feel more comfortable on after the each massage and facial


ya , yes give you your provide you a glowing skin


exercise


and yes


oh yes actually travelling has been one of my hobbies but unfortunately for this year due to COVID we are not able to travel so actually this year all the travel plans has been set aside, I think last year we have quite a nice time a good good time because we travelled to england and scotland with our family so uh it's a free and easy tour uh


but I also we also over there we we do join the local local tour where we will meet, where we'll meet the local uh tour guide, this this tour guide uh very professional and they are always able to give you the the to tell you the history of each places each building that we are not aware so we have uh to make us understand the place better


instead of just normal shopping and eating and dining


yes yes beside the usual shopping and uh yes


oh yes of course for risk uh because of COVID we have not been shopping for the for quite uh for the past past three three months, uh until it's still uh end of june so for shopping wise uh uh recently we went to I went to this uh mall to look for shoes


then actually after that uh I've to look for shoe then I happen to see a see a shoe that uh is of my my preference but unfortunately is verys uh unfortunately do not have my size, this salesperson was very good she made an effort to uh make call to other outlets to check whether my size the size the size my size is available at it over the other outlets so with her help I'm able to uh I was told that there's an uh another outlet that is having the


uh having this shoe size that I'm I'm wearing so they are very they are even able to uh ask me say that I can come back the next day then they will uh next uh next few day so that they will help me to transfer the size to their store so I can


got it uh uh get it from the store from my from this store instead instead of going to the other store so this is one of the added service that I find that I must, compliment the salesperson for being so helpful helping me to search to look for the right size uh shoe size


yes she's very passionate about her work which uh she all out to help the customer to buy their uh the the shoes that they like


oh uh we do uh ya we do uh went to one for the eight course dinner, uh with my family and uh that place serve uh the eight course dinner was very good uh is was value for money the the food is very fresh then the service over there is very good the person who serve our table was very helpful and attentive


then they will help us to like clear the plates where after clear away all the plates whenever after we have uh we have we have use it so it make the table to be not so uh not so uh cramp and look it spacious and clean also


ya, yes, yes, yes


oh yes of course uh I do encounter some uh uh , telco uh phone bill problem so when I call to singtel, the customer service officer was very nice uh is for is regarding a for a for certains type of because when we redo recontract they do have uh pack in those uh like uh a trials a trial a trial service of three months like


certain certain uh what you call that certain uh like meal uh uh, movies or whatever as a thing that is tie to it, but unfortunately after three months we did not we forgot to cancel about it but after that we were the the bill was it was being charged to us so but however when we when I call the customer service of singtel


informing them that explaining that actually I do not use this service at all they are willing to help me to waive off all the additional charges for my phone bill, ya must must be attentive and remember to cancel whatever uh additional services that we are not required


three to six month yes yes, they can continue yes


yes, or uh how about do you want to share something about financial and insurance services


ya they also will teach you how to uh how to unsubscribe for all these uh unwanted uh apps that is not required lah so ya so , (hmm)


ya


yes yes as a consumer we also must play our part we must be understanding not not to make uh unreasonable demands from the sales from the from the sales uh salesperson then also must be patient also cannot


uh uh err, be too too uh too uh demanding, yes


we must be grateful to ya ya be grateful to all the the frontline sales staff they providing all the excellent services to to us


yes debate topic one, okay, uh hello uh <P2>carol</P2> then uh to


discuss on the uh financial uh related uh topics uh such as insurance and uh banking or, or housing loan so I think uh basically financial product I do agree that it is a very important part of our life journey


and uh actually this uh financial product, uh the bundling ah is play a very important, uh nature to to be uh able to uh sustain our lifestyle as well as to maintain the what do you call financial freedom at the end of the day what do you think about the


the the insurance uh uh I'm I mean of this uh industry uh I'm sure you have bought some uh insurance product so that uh to secure for protection as well as uh may be a what do you call accumulation of wealth


I think that is a very good start uh planning once uh you have start a family, and uh apart from insurance uh uh I'm also looking at uh diversification meaning uh uh into uh banking such as uh fixed deposit uh savings


and uh uh on on the uh investment part uh you can also uh look into the uh investment linked policy eh, uh which is also uh attached to equities stocks et et cetera and uh what you call uh fund uh what do you call different funds and all that so


uh if we plan these uh product well uh we will be able to achieve the financial uh what you call freedom uh when come to a retirement age around probably fifty fifty five ya


so on the take I think uh for, banking services uh I look into even like, credit card services that can help us uh, compile what it call conveniently pay the goods and services and also on top of that it can give us reward point over long years I think this


uh credit card really help us uh to save some money also ya so for the uh, insurance ah basically endowment ah I I have take up allianz policy previously uh by the great eastern so it is a twenty years policy so after maturity ones will get you know like a lump sum you are paying a yearly premium


or a monthly premium up to the individual to decide their scale of uh uh financial uh status, so after that uh maybe over the twenty years when it really uh mature at the amount that you gotten back could be uh quite a substantial sum but uh due to the inflation uh you will find that the money value


might devalue uh in a way like uh every year you might be paying a premium of a thousand two for twenty years uh and you got back at the end of twenty years probably something like, forty thousands and this forty thousand may be in your initial plan you thought you can buy a car


but it can only buy a COE a piece of certificate of entitlement so from there I notice ah money value have uh due to inflation or whatsoever, had dropped so uh on on top of that I look into other options in in this uh financial planning lah


how about yourself


I think over this uh, financial uh product uh there are various diversification uh such as also uh we look at uh the housing loan product such as uh you know when we we buy a HDB


or engage into a buying a private property uh we will have to actually study the housing loan ah from various bank and uh because these loans are big amount, and uh it it it have variation ah it can be uh uh what it call uh a variable or a fixed plan and it usually lock you up for


two to three years lock up period, and you really uh have to find the correct uh, housing loan as as the interest rate can be as low as zero point nine, nine to one point two three or maybe at present you we have to really scout for a better interest rate when buying a property


ah and and and finance it with a mortgage loan with the uh banks, so ya, so do you have uh this experience


yes I think it is important to realise that uh every two year during the lock up period and uh when, the housing loan uh come to a maturity or or or and you have to refinance as I mentioned I think that


will save us uh on some interest and this will in the long run us uh uh be a what you call a saver in term of uh uh the the the the serving of the uh housing loan and next uh we'll like to


go into uh other product such as uh like like uh uh uh banks various bank have different like you know UOB uh when you do banking they they call it the one account are are are are you aware of this uh how does this one UOB one account work


and how to save over the the the months that you you put in money and then uh you must save how much you must use different credit card to to pay off, and then uh that will give you certain uh bonus


as well as uh reward


I think you are correct and uh there are different banks call it differently, like in the OCBC they will call it the three six five account and uh maybe, DBS they have they call kung fu cashback and uh multiplier account so all these uh if you manage uh carefully you will actually able to save uh on the uh uh uh what you call uh on on the amount that you


put in and uh you can get a better return okay next one maybe we can look into other others uh insurance coverage such as uh uh think that from the CPF, and uh looking at the dependant protection scheme and then also uh looking into medishield life and the eldershield as well as what our medisave can help us in our financial


uh planning uh as these are also uh maybe you like to uh uh enlighten me on uh what do you actually know about the dependant protection scheme


so actually personally I feel this a very uh


so uh I think medishield life also a great amount of uh hospitalisation bill right hello


yes and I think the medishield life is the basic coverage you can always enhance it with, a integrated uh, plan with the with the uh with the two uh great insurance company NTUC income and also I think


I'd like to know more about this uh eldershield, eldershield I think it's also quite quite a, uh what you call a plan towards the the elderly as it call eldershield so I understand the government might be introducing it uh to the mass majority of the citizen


who are aged sixty uh thirty and above to take up this eldershield I was wondering if this a compulsory scheme, ya


okay uh I think basically it really uh helps the elderly uh who are, uh on the uh uh it will kick in when there is a uh in the unfortunate event that a person uh is uh is uh what you call unable to do uh three uh basics such as uh bathing themselves uh wearing the clothes or unable to


eat by themselves, where they need uh uh uh uh uh a care uh by a helper so this this this amount will actually uh help them to tide through the difficult time


okay I am I looking at


the the rest of it are, like uh if if if if you you when you are buying a insurance plan ah uh do you approach the website uh what it called agent or do you uh what you call uh uh uh do you start I mean uh uh look for agent or you actually uh


I see so I think uh although uh it it is a quite uh a lot of people uh go through with their own uh research, uh for the insurance that they need to have a protection as well as uh what you call for investment or for or saving purpose


or or or educational uh saving plan for children so they would normally do a research on the internet before uh they actually uh go to the, the various uh insurance company uh to purchase uh the product that they they will like to have


also I think , do you think term insurance uh is a good uh is a good type of protection, because uh term uh meaning uh there is a a protection big protection with lower premium


so the whole life insurance actually, will cover the person the whole life and some are critical uh illness uh uh so that they can get protection whereas the


term one usually is uh uh they will pay out on during death death coverage but the premium paid will be lower but the amount uh payout to tide over the the difficult time is a very large amount, so it depends on the individual needs and uh do you think about uh do you happen to invest in ILP uh investment linked policy and uh do you think it's a good


investment


I think uh old policies are always good uh in term of for saving or in term of, great protection and uh I I for the ILP of course uh investment linked policy it uh tie into a certain, uh uh uh a stock equity and uh some treasury bills and bond so uh on on the whole uh uh I also personally feel that uh it is good to diversify into different product line so that uh


(ppo) each of these (uh) policy will give you (uh) better (uh) safer returns


hi uh so uh over the the the years of course uh we have come across uh uh a lot of uh what you call uh


unnecessary uh what do you you you you you you might uh what it called come across a service that are are are dissatisfied that you find that uh you you don't


like a a salesperson's attitude uh especially when you go to, purchase uh items big tickets item you you naturally uh want a good service and uh sometime uh you will find that eh the service just the opposite and you just just uh have a very dissatisfied and uh it it really uh


turn your day into a nightmare ah K such experience like when also going through the same you know experience of buying things uh and and and then uh when the salesman uh uh uh promise you this and promise you that and then later


turn out that it was being delay the delivery was bad and and and uh things that they promise that it works on that feature and and it didn't actually work and and it blow your mind ya


so what kind of experience uh maybe during your daily life uh even marketing uh in the hawker centre in the whatever you know you you find that uh uh uh uh uh I have my own personal experience actually uh we were sitting with a friend having a good drinks and then we


call for some fruits uh cut cut fruits and and my, I I one experience is that uh the the fruits uh the starfruits uh uh it it seems that it was not properly handled and and it was not washed uh uh uh clean clean enough and and and and and there was a bit of a spider webs you know ah


you know when fruits are and and and it was not so so my friend was uh nice enough to actually give feedback to the hawker, and the uncle in the hawker centre was really uh you know uh he he feel that uh you are making hell lot of small you know


a a a small little thing and you blow it up so what he did is this this is not dirty you know and then he eat it in front of you they say that, then my my friend was very irritated and angry, and and and he feedback to all of us we just have a good laugh and say that actually we just want to help him improve and and just uh provide a feedback to him but it seems like


he he doesn't take the the the thing as a positive feedback uh instead he he give a like you know a unpleasant uh kind of a uh as a feedback to you that oh it is you are too fussy this is good in and he just eat it you know in front of you then you see I can eat why you cannot eat like that


so at that time onwards ah uh my my friends and and and our whole group of people bundle do not uh patronise that same fruit stall, ya so so it it it it is just the moral of this story is that when people give us a good uh feedback uh we must take it positively and gracefully


and probably what you can do is just very simples uh sorry oh it may may have been a overseen and I will replace this for you and I think we will, continue to uh patronise that stall, and such such such experience are really you know you you you you were eating daily in in your this canteen or what and then or or hawker food centre and and and and now you


you particularly do not want to buy from him anymore ya have you such experience or any other things that you find these are really bad experience


, and uh okay uh we also


realised that uh uh I mean if we we elaborate on some uh telco company, and uh sometimes uh you when you call the hotline I think you will experience ah ah you have to key in certain button here and there and and the time you key in your uh uh uh enter one then enter two enter your option here and there and they keep


keep thinking uh the tinkling sound away and then give you you a music and all that so after that uh, uh uh the the the operator after you waited for like ten minutes and the, the options and somebody haven't answer and you just uh


the the other side of the line was like a dead dead line you know dead so so this also happens uh when I once call up and uh I think either they are short of, short of staff uh during this COVID nineteen uh the the staff might be uh not centralised or or working from home so they they they they might just have uh leave leave the line


open, it it is really a quite a frustrating experience ah that means waiting on the line and the other side, uh doesn't answer and give you all the options and then you you wait for like fifteen minutes before somebody really come online and and then ah and then when you start to ask question ah of course maybe there are few with uh uh what you call inexperienced staff trying to


answer whatever query you have and and all that make the the the conversation or or or the inquiry uh very sour very bad, experience ah ya this basically uh hope that the some of these telco company are are uh I mean this during this difficult time uh can have


more uh part timer to to to support their their their hotline and uh ya


but means after the uh the services


uh there is hard selling or whatever so, means uh uh uh of course uh we understand ah these ah service provider uh the first trial is to uh get you to test their services and ultimately they want you to sign up a package so that uh they can continue


their services uh for you lah uh but the package can be quite uh, a a substantial amount so uh it it it can say oh ten twenty thirty session and then it can come to uh two to three thousand dollars ah so certain uh certain therapists or or the consultant will actually uh push hard


and make the consumer very uncomfortable, these are part and parcel of their daily


[orh] so this a really very bad experience ah and yup, have you come across a restaurant where your expectation is a it it it it you know with the with the rating uh quite good uh or above average and when you go into the restaurant and you find that the the the restaurant food was uh not that not really good and and the service was


really not up to your expectation, at the moment, really uh, so I think uh a bit of cut off uh I'm not too sure I I I sometime uh I've a little


break or lag I I I I really cannot uh did not hear the it clearly is uh you you you you went to the restaurant and you find the food not not acceptable


would they be uh short handed and and because due to the business uh not very good they lay off some staff


(hmm) also uh on certain travel and tourism uh matter like example when you book a NATAS at the NATAS exhibition or what they would


they might have a what you call mass promotion on some tour tour packages I find that uh uh when you go on board and and you you you really go there and and you find that you are being short changed or something like that have have such experience come


so uh


and and and certain meals


ya so it it it is really like uh <mandarin>一分钱一分货就是:yi fen qian yi fen huo jiu shi</mandarin> if too too too too uh competitive until they they they actually cut costs but then uh, when you are over at the foreign land they try to uh charge you


how about the travel guide did they actually are, experienced enough to actually uh uh bring you to, places where you it is is is stated in the package or uh explain uh to you the the relevance of the uh place of interest what is the uh the culture and all that or they just leave it to another local local guide and and and and


and you find that this local guide actually doesn't know what uh your your your tour actually uh uh uh consists of uh you know


ya so actually all in all you, boils down to a a a a a selection of the tour agency, and and sometime you never try you never know


there you actually uh feel that uh you are there for holiday but you feel that you you are really stress yourself, okay and uh another thing is uh ya so so certain likes example entertaining uh leisure area that


have you uh what it call uh visited a entertainment such as like you know karaoke now are not able to open and then uh now uh leisure uh, ah due to COVID also ah not not in in what so there are a lot of closure


so it is uh also sometime ah the the you know when you go to uh uh uh, uh last time lah in the in when the COVID was not around


ya and the mic is also uh uh having problem there the the the battery was not charged uh or or the because it's a wireless mic and sometime you you find that it is always uh have to change and this uh uh very uh


uh what it call uh, distraction and ah ah and then you find that it uh the session is uh being shortened due to all these uh uh uh what so ah actually we hope that the this uh service provider can ensure uh that their equipment are in a good quality


and uh also the the systems ah must be tested, ah before they actually allow the consumer to to use it if not it will be a nightmare uh having a poor sound system uh that breaks down and the microphone that have uh battery all are out of batteries and uh need to recharge


and and and so forth ya okay uh so far so good uh for the uh what you call the experiences of our daily life ah , buying shopping eating dining and then uh


uh how about any experience on the sport and fitness centre are they still are they open during this COVID ah because uh I think all these facilities uh sometime difficult to book, uh example uh the the


ya the community centre uh you booking of badminton court ah is really


uh uh uh uh uh, it it is really uh , tedious to book because uh during good time or or they they are all fully booked and and and there isn't any any slot I think they they they


the people usually uh book once the midnight uh uh uh turned on they they start booking online and and they are left left wth little chance for you to to get hold of a slot for the sporting events ah ya


uh there are always bounds to have uh some uh bad experience uh due uh maybe is part and parcel of uh inexperienced staff are trying or or what so I think the


best way is to send them for uh retraining and uh upgrading which I think we are doing to improve our service standard lah so that uh every day daily life shopping and uh buying things and uh interaction become a very


okay uh as part and parcel of our daily life uh I think we experience uh a lot of time uh when we go


uh to shoppings for uh electronics gadget or when you are moving in house and then you need a lot of electrical electronics gadget so you will visits uh uh maybe uh three or three two or three store to compare uh the model


and of course the price lah so that you can get a good uh uh price and uh we also base on I think on the uh services of the uh staff and uh and and and the attitude so uh actually uh


when buying these electronic I have my personal experience that uh when I visit uh uh uh like the gain city and and on all these I find that uh, with the promotion such as bundle sales ah the salesman I'd like to credit them I think it's a really positive uh when they help you to you know uh bundle


uh whatever you require such as uh example you will need the aircon for the new house or or or you will need uh to, uh buy an aircon and then you want to uh uh refurbish your kitchen you will need uh maybe certain ariston uh


cooker and hob, that kind of a service and uh and also you want to change your fridge or what so when this type of things comes in I think uh the salesmen who are really uh uh uh uh working on the whole bundle will actually help you a lot


and uh actually uh uh it is uh very good that uh some salesmen been very good , attitude and able to share how to bundle and save costs for consumer like us lah so


so basically the service attitude uh of of all these uh sales executive or or or on the job uh uh you do you think uh they they are up to your expectation and and you would like to give credit in the all all these


ya especially uh for air conditioning system


and where to install and, et cetera so a bit oh on on uh how about uh like you know you looking at uh health and wellness uh if if let's say uh you you you would like to always uh our lifestyle


ah in we we would like uh maybe ah from head to toe you want somebody to really help to to to maintain ya


ya I think it is important to maintains one's health and uh to do it uh monthly or on a regular basis basically is uh to improve the blood circulation our body and uh it it it is better


to enjoy a good massage than, you know and the you know organs or what ah are are are not, are are are being fatigues and uh uh failing then uh uh there will be a very big uh hospitalisation bills so uh preference will to go to enjoy a good massage and and and do you think the the the massager or or what are


are are are good in their in their skill uh and also uh do you credit them or on their services that they have provided to to you


oh okay so the facial also actually will help, for the the the the skin texture, so uh on the uh what do you call uh this this uh uh but on on on top of that


I think we also have to enjoy the sports and uh uh fitness means regularly to you know brisk walking ah basically also uh to uh if can ah go for a a a few lap of swimming uh I'm I'm need I think these are all


important uh physical uh fitness, uh to maintain uh back a good health lah so we are over the, the year and uh okay basically I I I also look into the I mean of of the journey we we also do uh travel and uh


tourism so uh the country that you visit like you know uh maybe you would like to share your experience during your tour how the guide were the uh giving you a good uh experience uh and uh uh are you satisfied uh and and and the


the the good experience that the the guide provide basically the the the explanation you know would like to share some of these experience


, ya so uh this uh tour will also uh uh what you call give us the experience uh to look at different culture as well as uh uh place of interest


how about lately uh after this COVID opening up uh when you do shopping uh at the mall shopping mall and uh uh to to buy new shoes new clothes and uh certain accessories uh do you do you do you find there's uh any uh


special service I mean in term of uh quality uh to your delight or you have uh met somebody who uh really helpful in in in getting you what you want example uh in a mall uh big shopping centres and all that


ya I think it's verys uh important that the sales have uh the uh uh the salesperson attending to you are very passionate about,


I'm sure singaporean loves uh eateries uh food uh like you know good restaurants go for a you know a a a dining experience have you go, uh to a nice restaurants and and and the food was cooked tastily and uh you know the the the the attitude of the uh waiter or the waitresses are are good and then you you would like to commend


(hmm) so I think uh because during this uh COVID nineteen ah the tables are are usually uh are, it the space for movement ya and and each table are we are unable to sit more than five people so


so I think uh with the with the good service and uh uh uh tasty uh uh cuisine I think uh it will make the the night a more memorable and enjoyable one, apart from that uh how how do you


think uh you see our daily life we use a lot of phones the telco companies then have you have you experienced , uh something that's so so special from the other end when you when they when you call them for help example regarding your bills or regarding the the the the broadbands or services by this uh


big telco company uh singtel starhub mobile one, uh have you experienced uh something that you you feel uh you were grateful about


[orh] so actually uh during sign up we must be very


yes yes I think uh generally uh the trial period is uh six month or three months, but uh if it is uh actually uh not not useful to individual ah I think it is always good for the uh the the the telco company to keep you informed that uh or prompt you with a SMS that uh this this uh


particular uh uh uh options are are are chargeable, on the next bill and so that uh the the customer or consumer will be well aware and not uh have a or a a bill that they they did not expect and then have to call back to to do the you know uh


waiver and uh you know all these uh unnecessarily, uh uh uh very unproductive, time lah but like nevertheless we would like to uh uh what do you call, uh uh, uh help the I mean the customer service are helpful enough to uh rectify this this this error uh for or or the options and is I think it's a great help ya