!wah! that's good ah so you sister is not hungry and angry anymore after that hungry man angry man you know that right okay, (hmm) ya ya actually these days a lot of this err online deliveries right like grab delivery whatever


so because of COVID also everybody orders the online so sometimes their services are very important also right, if they do it well and good then you keep remembering oh that is a good one if that's your first encounter and then there after you say is good,


, ya, yes in fact for every for every we would say service lah because for such kind it's more on service


actually service play a very important part in you know in the service line but I know that in singapore they are trying to improve it very greatly you know to make sure that that people know those who work in that same restaurant whatever, they give the best service because sometimes when you have too many people too many customers right this waitress waiter waitresses they may not be


very patient so if their thoughts that they have to give the right service because to you you may be the only the it may be the only time you go to a restaurant but to them there are working at a restaurant day in day out everyday I stand there I'm so tired you know I got to show a smiling face


you know and then but to us it's the first time, so they have to understand that part that you know if you are in my shoes I'm a first time customer, so every time they have to to think that every customer is the first time customer, then you will give your best to them and then it will leave a very deep impression on that first customer for them to come back to your restaurant


so that's how ya that's how you can have continuity otherwise people everybody go there you eat once only that person show you a lousy face and then you go there, you want to be happy but you got no appetite right even if it's cheap but then so what correct or not rather you


pay more you pay for the ambiance you pay for the service you pay for the food quality and pay for ya ya and then we can also share with friends by word of mouth you know I go to this restaurant the service is good, ya if it's lousy these days with facebook and social media everybody will talk about it but if it's good they do the same thing


, , yes yeah yeah


I don't know but in singapore because in other countries like US whatever they give tips what right, right in singapore we don't really practise that because we have, don't have we have the GST we have the service charge ya, so everything is just incorporated in your bail so maybe everything goes goes to the company but not to the individual


so and I think people also may not there to just if your service services so good eh I give you extra five dollars nobody will dare to give out your pocket and say eh you are so good I give you five dollars right, I, but will they accept I don't know whether it's legal illegal or whatever if the company allows


ya maybe that and then some companies they should have their own ah code of practice what you can you can't do, and then they have to abide by it because you are company employee, ,


ya, but I don't think a lot of singaporeans do it lah put it that way, we always just thank you thank you very much see you again that kind of thing right we are good we just do that, , ya we must always be thankful lah whatever whoever


you won't know some day you will be the waiter there, and some people go and work part time, so some you see that there are some old aunties and whatever going around, you know like uh they employ the senior citizens right so you look at old people like that you just imagine if I'm that old and then I still I'm still working like that maybe because I can't I can't do an office job so you know you go around doing these cleaning collecting dishes whatever


it's tough job very pathetic right but sometimes you look at them, ya, but at times you look at them you at times you just strike a conversation and then you ask them aunty why are you still working your children never whatever some people you know you just say like that right


but to that aunty or uncle they feel that I'm very happy that I'm still able to work, ya, you know you feel that eh you are old age you are still useful and companies still want to employ you, ah that's why government is always emphasising that they have to employ the you know because a lot of senior we are growing population


so people will all grow old grow old is not optional it's mandatory everyday we're growing old no choice, but ya but we grow old we want to be healthy we also want to be useful we just work a little maybe you just work some you know three four hours don't get yourself too tired


ya yes ya, yes then even the old people sometimes you look at them the way they smile at you you look at it it's like !wah! it really touches your heart you know you know old aunties so good, ya ya correct


old people actually in fact sometimes if you look at them positively lah ha they are actually very good because with their years of experience and they have you know they have lived their life that long what else have they not seen right so if they are in that line and they join the the restaurant for whatever they are doing they take pride in their jobs


I always find that you take pride in your job you always go the extra mile then you will feel happy whether they work that four hours three hours they are very happy with it you know you just uh work even one hour they pay me eight dollars never mind right actually I don't need, ya I don't need the money I would rather that I stay at home and look at the four walls right


ya correct lor then you go out you get to see people customers in and out you see different kind of customers see what that lady wear so nice why that guy like this like that you know that kind of thing right it makes our life very interesting


ya that's good


banking products, okay,


for me I I I obviously don't have a senior account yet uh maybe when I get to your age I will get the senior account , it looks attractive it sounds attractive uh for me I have the basic savings account uh from uh POSB uh I think I have it uh since I think since I can remember lah uh it's been a it's been quite a long while since I have it at least uh got ten years uh I


correct correct ya it's the main account the key logo ya so ya I mainly used that for uh my personal savings lah I it's also the account where uh my salary is uh debited into also


uh other than that I also have a I I recently opened like a multiplier account also so uh the this POSB have this multiplier account uh I I don't know if you if you if you know about it, so the multiplier account is like a


if you let's they will multiply your interest, if like for example you shop somewhere maybe in in fairprice or sheng shiong uh that's just count to one point then another point is if you uh let's say you have a mortgage from DBS then you have another multiplier so uh essentially uh


they probably want you to uh also use the bank to uh to, carry out your day to day finances and that's where you get the points also lah ya


ah yes correct uh not necessary but they uh encourage you to like use the uh uh everyday card, uh to uh maybe they ask you to just spend maybe five dollars a month then they will give you the they'll count it as one point already ya ya


the POSB correct everyday card ya, ya that correct, ya ya ya then other than that also if you let's say you uh you buy insurance also or you buy you invest with the with your bank account also then you get points from there also ya so uh so I think it's quite interesting I was doing some research and


I ya finally got in on that lah cause I have a POSB and I'm doing some investment as well so I thought it make sense to tap on the multiplier interest also, ya for yourself you have such multiplier before


oh


, oh


oh, okay, that's nice


oh which one is it again sorry UOB ah oh OCBC, [orh]


yup, ya, [orh]


okay so you don't have credit cards now, oh the POSB, ah


ya, ya, oh okay okay


ya or like uh claim the points, of it oh dollar value oh okay okay,


, I see for ya for me also I was uh I'm actually quite uh careful of credit card because of you know they always talk about credit card debt and then you must be careful if you do not pay uh on time then you uh uh accumulate your interest and then you you know


it might snowball and then you become uh heavily indebted ya so I'm quite careful with that uh although I recently opened a everyday card, uh to for the multiplier account yes so uh but for that I uh I try to uh set up a GIRO so everytime the so I don't have to remember to pay the credit card


and and and it will automatically pay for me lah ya do that as well, oh that's good that's good


[orh],


I see, ya that's true that's true you yard before ah


ya, ya, [orh]


yup, [orh], ya I also had to uh call in before like I think when I open my multiplier account I didn't realise that uh I think you must have a certain amount then uh otherwise they will deduct from your account


uh so I I didn't realise that and it wasn't really clear on the site so I so after awhile then I realise how come I have some charges that I didn't make, ya then I have to call them lah and I think I have to go down to the bank also ya during my work day also ya to to ask for the refund


ya but but end up luckily I still got it lah but it was quite a painful experience, ya,


ya, [orh], ya correct you might need to like uh check back and then get a refund kind of thing right


, ya, correct, ya


(uh huh), [orh] ya, ah, (uh huh), ,


, , , ya ya ya


ah, ah, ah


ya, ya, oh dear so is it uh someone using your card, oh


!wah! that's scary, ya, oh ya, must redo right, I see


ya, [orh] okay okay okay, ah then I also have a same experience actually recently uh I was buying something online and then uh I thought I just pay for that product right but turns out when I checked my bank's statement uh they have some recurring payment every month they deduct from me


ya then I was surprised how come they keep deducting from me I thought it's like they are using my card uh and they are like stealing my money lah every month, then I call them up uh then I thought it's uh someone using my card right uh and I thought they are like the scammer so I immediately also call the bank to terminate my card but uh but after they reply they uh after the reply they told me actually is that uh


they told me that I actually bought something else which I wasn't aware of uh, uh so the purchase is done by me but I wasn't aware of it so when I when I when I bought a product A then uh they automatically include product B in my in my shopping cart which I wasn't aware of


ya so I went to purchase it and then I didn't know that I'm I have to pay for product B uh I have to pay for product B recurringly, uh I I wasn't aware of it so uh I mean I also I think they give me the product B but product B is not a physical product it's a it's a software so it so I didn't activate it so I didn't know also


ya so uh luckily they are kind enough to to refund me lah but then it's also troublesome because like in like your case I had I cancelled my my card and then uh some of the GIRO was from that card also then I have to, uh ya redo the the process for some of the payments ya


correct correct ya, sorry what's FD, oh oh fixed deposits isn't that like the savings account no


[orh], ah, [orh], ah, ah


oh oh so it's you are saying like like a fixed uh deposit for a specific duration then after that duration you take out you get interest, maturity,


ya, [orh] okay, [orh], right, I see


okay, , uh, so previously you did that


ah , that's true that's true, ya ya, ya


ya correct, ,


ya, ah, ya


, [orh], ya okay, oh ya ya I see I see ya for me ah ya that is important right ya for me I also uh currently I aside from my


savings account I put inside another place where is it work similar to the fixed deposit you put inside a fixed amount then you don't touch it uh up up to a certain time then uh it's supposed to accumulate the interest and uh the compounding interest lah uh because you need the duration for it to compound


ya uh, uh minimum five thousand uh minimum no five thousand or three thousand I'm not sure ya but, uh but actually they said you can withdraw it uh anytime also uh just that you won't you will lose the compounding interest lah ya this one is the singapore savings bond I think it's quite ya it's quite common


ya but uh but it's not a lot of interest lah uh but it's still higher compared to your savings account, slightly higher ya but it's more for people say it's more for uh like if you want to just have a emergency fund then you just keep it there lah you don't touch it's just for emergency ya but not really for investment if you want to grow your money you probably have better options


ya , ya correct, ya ya


have you actually ya ya go ahead, so so you you didn't you don't do investments


ah, , ah ya try small lah don't put all your eggs in one basket


correct correct ya you make a bit is better than nothing already, ya,


[orh], it shouldn't, correct, ya, more short term


oh that's true that's true ya, no, ya ya ya correct ya ya for for me I I do a longer term one because I probably


have time ya ya ya so that's why I I I were I I'm more willing to put a longer term one like up to ten years kind of thing, ya


, ya, correct emergency funds,


yes yes, ya, ya then the rest you can spend on drinks and and and travels we have to enjoy also right


ya ya ya otherwise keep saving also never enjoy there's no point, that's true ya


negative product review, yes, ah


ya, not everyday meh , ya ya okay


, , ya, ya you're forced to go online


, ya, ya,


, ya


, , ya


ya,


, , , ya, ya


, ya, without the juicer


ah, !alamak!, ya


, oh dear,


okay, ya, ya


[orh], then how, ya


ya, ya, , [orh]


you mean it's on the bank or what, oh !alamak!, ya


ya, correct correct, ya obviously they never thought through this scenario


ya ya then


, correct, ya, ya


, okay okay


oh, oh oh, because the paypal is the one who issue the payment not DBS I think


oh then why they say paypal, [orh], oh but do you know it's from paypal


oh okay that's, ya oh, that's very that's very fishy ah


, ya, ya


, correct,


, correct thirty days is too short because you need time to to to to check and wait for shipment and all right, ya, correct ya


correct correct, , [orh], !alamak!


ya ya ya so so so actually it when when it goes back to the customisation right actually uh the the the bad experience always happen when the that the you when the seller or the or the service provider cannot like, cannot really understand our pains and they cannot really customise their service for us


and uh this one only caused the the the the discomfort, ya so ya I also have the same uh similar experience uh, uh I think my experience is also since you always buy online right uh and the ya it's also an online experience and I and my experience is not very uh unique I think a lot of people also experience such thing


uh you know whenever there's uh whenever you buy something online you look at the picture uh but then when you receive it it's it's different, or or ya it's it's some something different maybe the size does not match or maybe the the colour is slightly different is slightly off when you see from the picture ya


so a lot of times uh uh online they allow you to to write back and then uh they allow you to and and to do an exchange right uh but for this particular one uh uh they they don't really they they said they cannot like refund you uh


ya uh they didn't really give a particular reason but uh but then it it wasn't it wasn't stated on the on the product also so uh we wasn't ya I wasn't very happy, uh and then I keep writing a few times and they take very long to reply also


uh they finally they did reply and then uh they said like uh they will give me a uh a voucher lah so it can uh have a a certain amount discounted for your next purchase, ya then I okay lah then fine I accept it and then uh when I made my next purchase uh then the product takes very long to come also


ya ya so uh so I think this kind of experience like the uh online experiences ya you must wait for the product to to come and then especially when they didn't tell you when they'll coming uh right


the tracking number ya they don't don't really show so you just need to wait lor and then uh ya and then when there's no news from them then you start to get worried like whether is my product coming right uh and uh and and if it doesn't come then you start then you write in to them I think like what you did


the same thing ya, ya


ya, ya ya ya


, correct correct, ya


, that's why I think uh the physical physical stores will still be there right because people will feel more comfortable to go down uh, and then especially when you need to try on the size and everything to see the colour especially if you buy if you buy clothes and you buy uh ya


apparels right you still need the physical store, uh although now online they try to do the uh they try to do virtually right they try to fit your clothing on your face you you upload your face there then they try to to fit your clothing ya they do that ya but but sometimes the the real it cannot beat the real thing lah the the cutting and the size ya


, ya


ya ya correct, ya I have another bad experience to share uh it's a recently I've been sending some postcards, okay not me but my my sis so I I'll I will be sending postcards to people because now during COVID uh I mean you cannot really meet people so the best so we tried doing postcards I mean it's something it's something fun uh we do overseas and locally as well both


ya then uh there's one experience where is one time where we went down to the ASX machine, and then we wanted to buy stamps to send for the postcard right ya so we uh we have like five postcards to send then we went to purchase uh the the first stamp first then we got the stamp then we purchase the second one the third one


uh then after when it comes to the fourth one then uh after we make payment then we the none of the stamps, we none of the stamps uh was dispensed from the machine, ya then uh we didn't realise at, first but uh we tried to pay again we thought the payment never go through so we buy another stamp uh hoping that stamp will come out but then we bought another stamp then never come out also


ya then we realise that !aiya!, no stamp uh no one also tell us the machine also never never indicate that there's no stamp right you have to guess ya then uh from there uh I tried to call the uh the the the ASX lah uh I tried to call


the the the the company so uh the the company, ya the the the company uh it takes a long while for the company to to uh to answer my call actually in fact in fact the company never answer my call uh and I waited for like half an hour I think this is ya uh


no I just let it play and then after that I do my own thing ya but it's still you must wait on it lah so it's it's it's uh I think waiting for uh someone to answer your call is always a bad experience I think you also experience before right especially when maybe you call your telco then he said like the line is busy


ya, correct correct and then they always say like like there's a long queue but I don't know whether that's true or not, ya, ya so, ya, correct they're forever busy ya and then that time it was like I think it was it was before the rush hour oh no it was not before rush hour I think it was uh in the evening


ya but then it was it was I mean like how often the people uh run out of stamps [orh] and and right ya correct ya so make me think like like like uh I think, although they have a number to call for assistance but but it's useless lah


they deduct lah they deduct ya but then I feel, but then I I went for there no stamps came out ya so I I I wanted to call them to ask for a refund ya but the call take forever so end up I I went online lah uh then uh like luckily they they luckily got someone respond online ya so it's this this uh chat through the chat system ya


correct ya then they told me like I must uh go down to the they they cannot refund me remotely I must go down to the post office, ya and then so <mandarin>麻烦:ma fan</mandarin> right the post office you must queue up also and all these things ya, so this kind of thing I feel like luckily it's a luckily it's not very expensive it's just a few cents ya but imagine if it's expensive product then it's not a good experience lah right it cannot refund you remotely I was hoping they can send me the stamps and right to my house


post post stamps to me ya ya ya ya correct correct, ya but overall it's a ya lah it's it's not a good experience if you encounter uh such a situation ya


ya ya ya, , ya !alamak! ya ya


, ya, , they're not very helpful right you wait so long already


, ya, correct, ya


then then then why do we have to call right might as well no need to call, then you say what do you think


ya (ppl), okay


positive product review, yes yes please


ya, ya,


ya, ya, ya, ah ya, ya ya ya he can remember your voice


ya, that's very good, that's very good ya he's a good salesman


, , ya


ya, ah, ya


ya, ,


ya, ya, ya


ya, [orh] that's very nice, ya,


, ya, ya


ya, that's good right ya


they'll remember you as a,


ya, ya, I see I see,


ya ya , [orh], ya that's good I I I think I also agree like uh the best kind of salesperson or best kind of shopping experience is when uh you know the the company or the salesperson knows what you really want and then also they will like follow up on you uh on your on on your needs right before you even ask them


I think for me I also have a similar experience, uh like uh I I last time I bought I think long time ago like five years ago at least uh I was looking for gift for my dad for birthday uh like and I know my dad likes the this kind of like uh lights ah those uh flashing lights uh like disco that kind and then uh and then also like


ya neon lights like that then so they when you play music the light can dance together with the with the music ya so is a it's like you know music sync it sync with the with the the lights will sync with the music ya so I came across


ya correct it depends on the volume and all ya so I was looking for it in the shop and then uh there's this one uh I found something similar uh but unfortunately uh I think it's the last the last piece lah and then it's on display


uh and then they say it's not for sale yes ya but then ya so sad ya then uh then, uh then the the salesperson uh said sorry it's not for sale uh you probably have to go somewhere else ya, uh then when I was about to walk off uh away from the store them uh the salesperson uh came back to me again lah and say uh mister that we have another uh we have another model they found on the from the uh they found from the from the storeroom


uh but it's a different model like do you want or not uh but I think that model it's not good it's not it's like it's not as uh not matching the the model that I saw on the display ya, same uh same function but different uh different features ya uh but it but it's not like the it's not as good as that one in the demo ya uh so so uh but the salesperson was good enough to like uh understand and listen to uh why I like the one in the demo model


uh so uh end of the day she uh offered me the demo model lah uh say okay you can take the demo model and then they give you something extra because discounted ya cause it's also demo model ya, ya so then from there uh I felt good lah like like this person can customise uh you know the the the the sales uh to


to your needs ya correct so I think that's what makes a good uh experience like similar to what you had experience also ya


, , [orh]


ya, correct ya ya, correct


, ya I I completely agree like like even though if the service is even like if service A is not as good as service B but if the salesperson in service in product A is much better then I will still buy from the from the service A right because the the service really makes a difference


, ya


ya ya, ya, oh ya


oh ya, correct


uh at least they try their best right even though it's not even though it's not part of the job but they will go the extra mile right,


ya, correct correct ya,


ya correct correct the that's the that's the that's the best thing right they customise to your needs, ya, ya, and then also recently I have a I think just yesterday only uh I have a good experience with uh a food delivery because I was uh going to some place and then I realise that


uh I was meeting my sister at at some place and I realised that, uh we are supposed to bring uh we're supposed to Dabao lunch for her because she came from from work uh but we forgot to bring the food, ya and then then uh we are going to somewhere Ulu already actually we're going to uh this labrador park ya we are going to actually have a uh actually we actually I ate already uh but but but she haven't eaten yet she come from work


ya so I'm supposed to bring the food for her and then uh she eat in the labrador park before we go for our walk, ya that then I forgot to bring the food then she's a quite #pek cek# (uh huh) she's quite uh uh unhappy ya so uh so I immediately thought of hey maybe why not we just uh uh I order a delivery lah ask them to deliver to labrador park


but I'm not sure uh whether any of the delivery uh apps can deliver to labrador park lah which is quite Ulu ya, ya correct but to my surprise I tried foodpanda I give it a try uh first first I tried to order a pizza


uh domino's pizza but uh after I ordered I already paid then suddenly they rejected my my order but but but good thing is they refund me back immediately so I I I feel rest I feel assured ya so that's one that's one that's one plus point for them


then uh another thing then I tried another I tried another restaurant, then surprisingly they are able to uh accept the order, and then they came in uh within twenty minutes also very fast I was surprised I was waiting for them uh in the park in a car park I I'm I was worried that they are not able to uh find where I what where I am


ya because the location on the correct and the location is not stated on the app you must key in you must uh type in the location, ya so it's, correct ya the the location is not registered in the app ya then I had to type in like I'm in car park B something like that ya then uh surprisingly they managed to come to the car park uh and then they they delivered the food uh on time lah according to what the app stated it state twenty minutes


sorry, ya, ya ya ya ya but they had to call me lah when they arrived so that I I come to them ya otherwise they don't know who is the one who order ya so correct ya


yes not Hangry correct ya ya ya ya so thanks, to that uh we had a good walk lah in the park lah it wasn't ruined lah ya ya so ya


, ya, correct correct ya same with the like the grab you take the taxi and all these if they have the good experience you want to go back you keep coming back to using the product


, oh ya


, oh ya, ya ya , correct, that's true ya


, , yes yes yes


correct correct , ya ya ya ya ya


have a better experience overall, correct , ya correct


ya actually actually the service professionals like waiters they're actually quite important like they're under they're underrated I think the restaurants should like value them more right should pay them more because if they do a good job then eventually more people will come it's good for their business right


oh ya tips singapore not really ya we don't have to we don't have the habit


oh that's true, goes to the company, , that that I know I know some people who do that ya


[orh] ya ya because of uh they think bribery right, [orh] ya


I think I think it's still okay like I know some people who do it ya it still the the waiters still accept, ya, oh ya that's true ya , I mean uh I mean you say thank you is very good already some people never even say thank you


ya ya, correct correct ya ya, ya ya


, ya, this is it's tough job, ya especially when you're at that age also


I can still work


, oh ya that's true also


ya, that's true that's true, ya, ya you still feel useful right you still feel like there's something to that you can still make a contribution


ya that one of the best best attitude really good attitude


, oh ya, correct, ya


ya, it makes it easier to pass the time for them, ya, ya ya very Sian very boring


(ppl), exactly ya, okay, alright


then my turn okay okay my name is lina Bo sister of uh, right uh I started uh very young was twenty one when I start first started working so I have a concept of buy insurance so uh that was


time when I have a colleague who's selling NTUC so that was the first policy I buy that will be a life's uh, that was endowment plan, endowment plan plus hospitalisation so I think that covers the if let's say in any case I need hospitalisation I'll be covered on that


so uh it's not very big amount three hundred dollars a month that kind of thing so something as affordable when at that age lah I was twenty one years old then I met with uh again ah we don't want to put all our eggs into one basket so, because I chose NTUC also because it's a kind of like a national insurance company so I kind of go for it then uh great eastern was something new to me so I listen up and they are the first to have the thirty critical illness cover so I bought it from them at that time uh that one


also not a very large one that one is more like a, uh a life life insurance uh a little bit uh I think the critical illness is a term and then the it's basically a life insurance so it covers until today alright


uh overall during that period ah life uh insurance and endowment was very popular, term was not that uh interesting uh that time lah then what else uh other insurance that I buy I do travel a lot so travel insurance is what I also buy


uh HDB flat uh fire insurance we have definitely that one no choice then there are other cards in uh other cards that I acquire there are some cards there have uh what you call accidental death insurance that, cover like uh hundred of thousand dollars I'm not very sure but uh that also kind of like a protection also


alright uh that's all I can talk about, uh and and uh personal insurance, and for endowment plan I choose endowment plan is more like a saving plan rather than, a a life uh


a life protect a protection plan lah, right, uh what else do I have


no I I I travelled over to malaysia quite a lot so I think it's worth, to have this kind of uh insurance that covers uh, ya because if you go to malaysia you can't really buy like one day or two days insurance so it all for long term it's cheaper to buy a you know uh year annual insurance they call it annual insurance


uh for but travel insurance we used to call the agent for to purchase the insurance but uh these days uh these days are all online uh my my my best experience when it comes to


insurance was uh grab insurance, uh I think you help me with that right, the grab grab insurance, ya it's it's not really expensive because a short trip to uh malaysia so ya


just at that ya okay


, uh we're talking about uh, ah okay


, okay


mine is about uh within ten percent, because I don't want to spend uh want don't want to spend too much money on insurance, uh, ya so about small amount just for investment


ya, because that is not uh because because that's not my whole uh in uh we call it uh investment lah I have other investments like share which I will share a bit later, alright ya


, oh uh my share is not high risk it's uh blue chip uh, singapore bonds uh fixed deposit that kind of thing so,


ya okay , but uh, but my my priority goes to when comes to insurance goes to hospitalisation and a bit of saving ya that's basically it, alright what's the next question err


err ya, , , I'm more comfortable with local insurance like NTUC I think great eastern also local right


when it come to AIA prudential it sounds uh very far, ah, NTUC okay


[orh], that happen that happen, [orh]


ah , yes yes yes yes no no house content no house content no, oh you don't have fire, alright, okay


[orh] okay, alright, uh question number, five, uh travel insurance, (mmhmm)


(mmhmm), (mmhmm), (mmhmm) (mmhmm), yes


(uh huh),


ya, don't have , because I do dive uh do diving so uh I don't know think is that a commercial activity it's more like a danger activity so during when I buy my travel


insurance I always include that into my uh travel insurance so I think should be good enough to cover ah, right, and then I choose the one that that covers ah


yes yes definitely definitely ya higher risk higher amount ya I understand that, , [orh] okay I don't have oh I do have


personal uh for example a company engage me they do buy uh they do cover me with some insurance, but that one I that one I work insurance ah workman com workman com ya


that one commercial mah commercial, ya ya ya ya okay, I, number six uh


(mmhmm), okay, (mmhmm)


ah, oh


ah,


, quite well covered


I didn't really have AIA one I have I I took up the medishield, but I I I'm still think I'm still thinking about eldershield eldershield, medisave sure have lah but eldershield I'm still struggling with it


exactly exact, but because my my NTUC also cover that area so I'm pretty I'm pretty okay with that that part lah, okay let's go to the question number seven ,


last time last time we use we need to but nowadays like all online


(uh huh)


ah, oh, , ah okay


, ya, uh it is not that I don't want agent because uh sometime when okay uh long long time ago is used to be like one person can represent a few company


insurance company so they can choose the best plan that suits you suit you the best for you but nowadays because one agent can only represent one company and that company the insurance package may not be suitable for me, so it is good that I have some knowledge of what the other company is providing


because I, ah ah, so so it it it it also depend what I want what is my priority so I take up that plan lah


I also read reviews ah so uh there's a lot of reviews that I read about all these plan that if I want to get it lah I also talk to friends so I talk to people you know, who own that plan you know they share their experience, ya


right so , I, err hospitalisation is important for me, uh


can I share my experience now or can should I share my experience later, okay recently I just was hospitalised so it was a over one night so uh the major of the bill goes to uh medisave alright but I still pay quite a lot of money leh


that's, ya that's why I think, as uh, I've uh the whole bill cost about two K I think


then I need to pay like five hundred dollars including the consultation then the medication, I have to take and all that so uh, I'm little bit surprise there so I'll be looking into that, ya, right


, ya , anyway I I I didn't uh I don't see the one day is worse to apply for my insurance ah so I didn't apply but the next one I'm going to apply the next the one that come coming in december


ah ah ya, I I don't need ,


uh right, oh


, , (mmhmm), do a review for you ya


[orh]


, {ah], uh uh probably I would uh I will I will talk to the, I will see the person if it a young person or a an or a elderly and I have to look into their needs lah and their budget


you cannot you cannot cover everything or you can do is we more practically we uh we prepare them for the worse scenario for one case not like you know everything also want that kind, right, so we balance between needs we balance between needs and uh


uh and wants ah correct, young people nowadays I I, ya payment is one of them because young people nowadays they actually prefer term rather than saving, because term they pay out less but the coverage is huge


ah but then they don't have a concept of of saving is also a good maybe because they have other way of saving maybe they have investment so they think the investment is a way of or they are buying houses one of their investment plan so insurance becomes more of a coverage rather than the saving plan


ya this is what I, thirteen and fourteen yes ya, , ya yes


ya, whole life is, whole life is more like a saving plan plus, some coverage but term is only coverage


, uh, uh we call it compound interest compound compound compound means that every five fifty dollar you put every year they get money but when come term insurance you buy one year that's it over something like travel insurance also the term insurance


ya, uh you go and check ya okay next one is uh


that one bullshit that one is bullshit , because I I did I did have one that covers uh the go the duration is three years and will it happened during nineteen ninety eight, and then uh, the then the market crashed


so luckily, ya I I get my basic back but there's no interest at all, so I wasted my three years, ya wrong time correct eh


it says zeros eh hang on it says zero zero what do I do, timing do we continue,


ya uh, ah, ,


ah, !wow!, !wow!,


, the invest because when I look at the investment profile what they invest on is, uh singapore bond lah uh, all the blue chips ah I can do that also so I don't see I need to ya, then I got to pay them for doing that to me for me


right, uh too high risk I also cannot take the the the the investment I do is also safe investment lah although they say safe ah my SIA bond uh my SIA share drop you know is uh hopefully lah after the COVID nineteen it will recover lah


ya uh that one extra money so I can wait I can wait but, alright stop recording


irresponsible, ya, ya


(mmhmm), (mmhmm), (mmhmm)


different


too late , exactly


!wow!, delivery


, , what did they gave a reason for the late delivery, what what's the reason they gave


[orh], ya


, , ya, did they charge delivery, did they charge delivery, (oo)


(oo), , uh actually I'm I'm not comfortable with uh


delivery also, but I like my food warm so I rather buy and then eat and then uh, alright my turn, alright so my uh my name is my name is lina so I like to share uh two uh disappointing uh experience I have


first of all it was from kaplan training centre that was some years ago uh I remember during the period uh I think the government gave us some uh skillsfuture money to do education so I was thinking maybe I should polish up my uh microsoft skill


so they call it the CDL computer driving license something like this, so uh the course itself is a whole package where they have uh microsoft


so uh so kaplan is a well known training centre so I was pretty confident with them so I went up to register so I want I tell them I want the whole package itself, because anyway government pay for it so I just you know register so I registered and then they say they will call me back uh if the class is available you know the class slot is available so fine so I went back


right so so while waiting uh it took about uh two weeks before they come back to me then they said there is a course ya, but uh you see uh lesson usually happens from uh uh, elementary intermediate then advanced but the thing is that they tell me oh there's only one class available which is advanced microsoft word


so they ask me eh do you want to go for the course or not so I was like, I was like, uh not very sure so, uh okay


is it okay is it okay, so I was, so what happen is , uh so no choice, so I said okay why not just try anyway just you know try the uh advanced course so I went for the class the classroom they say the uh class start at nine o'clock so we are all there at nine o'clock standing down there waiting


uh for the door to open the instructor was there with us waiting for the door to open uh the person in charge uh just walk in about uh nine thirty he walked in he opened the classroom for us then we start to do the set up by by the time really start the course it was about uh ten fifteen


because of some glitch with the computer and all that so uh taking a course uh there will be there was about twenty of us, and half the class has got no idea what's happening because everybody is struggling with the it's a because it's advanced level not everybody there did the base the elementary and the intermediate


so we were struggling with all the instruction basically uh two days I think it's a two day course and then the third day half day will be the test, so uh, going through the whole course we struggle and then try to find a way


then of course uh I kind of consulted my sister about it uh she she is uh making a lot of noise too but there's no choice he my sister says that you should start with uh elementary level but they don't have they only have advanced so I say why not just take lah


we see how it goes so ya super struggle then uh half the class, because the what happens during the test is that everybody sit in the front of the computer do the test and then uh half the class left the room because they have no idea how to continue with the test and we struggled through and then


of course after we finish uh I manage to pass but then, uh I wait for the know the next the next lesson, uh what happens is that nothing happen, the the whole the kaplan stay quiet until uh


two years down the road then they call me eh uh lina K are you interested to continue the course the, CDL I say uh no thank you, so it's uh a bit annoying, yes of course I pay for it


for that one module only, uh for the one module only uh they pay by module so uh ya, uh so uh it was such a bad experience that I I don't dare to do the CDL anymore I will just say uh maybe not lah


just enough to use will do ah if not then I ask my sister then she will scream at me, that won't do, right so this is one of the experience I have with kaplan, uh service was not very good okay the next experience was , customer service from okay I have this neighbour this new neighbour who was maybe they are


they uh they rented out to foreigners so a lot of them is uh, they turn on the music to, till two AM even three AM in the morning they smoke along the corridors so I called


uh so one of the department I called was nine nine five the police and then the police give me the attitude that you know you should not call them it's not under their jurisdiction you should go and call the MP for it so it's like if you are not help police is not helping us then who are we depending on


uh uh I call the HDB uh HDB give me attitude ya he says uh, I will help you to transfer the information to the rest of the department town council and all that so I get I insist that town council have to call me back if they settle the problem so he uh town council call me back but uh it seems like


there's nothing happening that guy is still smoking they are still making a lot of noise, uh until, today they are still making a lot noise I I have to go there and tell them, to you know lower your volume you know uh you know it's like three o'clock in the morning you woke me up in the morning


you know and and sometime early in the morning they leave the house they just talk loudly you know laugh over, uh, I'm I'm in the lost what to do already so uh, so this is a, ya they're still noisy they are still having they are still talking loudly uh maybe


uh what what I suspect is probably I'm talking to the wrong person because uh the one talking maybe may not be the same person that I talk to the last time, so maybe there's a lot of tenants inside that they have not transport uh transmit the information to the the rest so if A talk then B don't know about it then B talk then C don't know about it then C talk so I have to go


to them and tell them every night to lower their volume but, uh there's really nothing I can do uh the police says uh go to your MP and uh you know talk to your MP about this so, uh uh town council, uh town council is not doing anything I have not go to the MP yet because uh


I feel such a small thing I say police can actually help me already but then ya, then we see what can we do, ya so this is my experience with nine nine five which is eh nine nine nine which is not uh a good experience ah


I can also share a dining experience I have in manhattan, fish I forgot the whole name already manhattan fish something so uh we were, they were having offer so we went over that was like, five six years ago we went over we ordered the food


alright first of all the service was very lacking maybe there's on because I went uh went there about five o'clock there wasn't a very crowded so there was two serving uh staff we went in we told them two person we sit down and then we waited


, we waited about ten minutes before one of the service came over to me uh, I think the the whole restaurant I think only three table was served, so she she came to me and ask me for my order so we ordered and then we waited for quite some time for the order to come how long was it


it's about ten minutes, so ten minutes when the, food comes to us uh, I order fish and chips the chips was cold the fry was uh the fish was uh soggy so I kind of like feedback to the staff that you know


it seems like it has been placed there for quite some time already that kind of thing, so I kind of highlight to them so, the lady went in back to the rest uh to the kitchen then came out and say uh uh it is like this one you know sort of


uh fries and then the fish uh I don't know what to say so , , really, [orh] oh ya


the one the one I went was city square mall so it's actually not a crowded place it should be good because two person serving just three tables you know I I don't see what's the problem uh uh uh had to let me wait uh like so long just for fish and chips ya I think that's it ya


okay uh topic, topic two okay my name is lina I'll be doing the positive sharing of a product, right uh recently I've been on shopee quite a lot because I just learn how to you know this uh platform


uh I met I was buying through this uh this agent sell uh they call it seller so there's this little cheap little thing called ear plug which is something silver piece like this which is pretty small, so


it took some time because during that period there was a, china was having their national day so it's like a long holiday for them so it took some time to come in so I kind of uh talk, to the uh seller the seller says that it's coming, so he will keep me update and really she did keep me updated with all the items so she will say that uh you know within another few more days or two three days it will be in your uh mailbox so I was uh looking forward for it and our conversation was very pleasant he was very nice


or he or she was very nice, and then uh when I, receive the package it comes with a little piece of uh fabric like this, uh the red the pieces of earrings was wrapped well wrapped inside and then it attached with a little flower


which I find it really really sweet, and then after, completed she comes out uh she go online and and and we share a bit uh she say thank you for my purchase and uh hope that I'm happy with the products so I kind of give her a five star then after that uh she asked me to join her group and all that so I find that overall this whole experience was very uh pleasant experience for me lah


to be on shopee alright, the next experience I going to share will be the travelling so , I've been travelling quite a lot uh previously uh I'm, usually what happens when you travel we go to hotel so a few years ago I start to experience this thing called the dormitory which is very interesting uh they say they were saying that dormitory don't have privacy but I feel it quite okay or maybe it's because the country I go it it's quite okay uh privacy was there


uh the level of comfort I'm I'm I'm easy person so uh it's no big deal ah with the comfort so is there as long there's a bed uh it's uh cool cool air I'm good enough, uh location is important for me uh should be uh have transportation around and uh


easy easy way to getting around because uh I don't drive and uh not very comfortable with taxi you know if the taxi you, you hop in the taxi and you're all his so I'm a bit oh usually I travel alone so I do not want to be in the situation when I'm in the car with another person who's in control of the whole situation so I would like to take the public transport


then for food wise I'm more adventure so hotel food isn't what I want because uh hotel food usually like uh international breakfast you know international lunch you know the same thing you can get it anywhere so I like to explore the local where the local eats so I'm more adventure in that way


then as for dormitory one thing good about dormitory is that they have a kitchen, which I can uh cook in, so I usually explore their uh supermarket buy some weird looking vegetable or meat then I'll try to cook it myself usually the kitchen is fully uh equipped with all the spices and all that


so I'm pretty happy uh the experience I had in japan Osaka was uh was nice I I a few night I cook myself, because the shop really close early it's like four five o'clock they close then when I visit the restaurant it's like !aiya! no so I got to go back and try to cook


some food for dinner right uh, toilet wise yes uh toilet wise uh they say dormitory the toilet is disgusting but this uh I experience this uh this dormitory it's beautiful the it's it's like gym uh gym toilet


their hair dryer can cost uh singapore two hundred dollar I enjoyed the hair dryer very much so this is how my, experience with , uh pleasant experience ah right ah , thank you


ya, no I was in poland also it was good, uh bangkok was nice too bangkok was nice too so I'm pretty happy


!huh!


[orh]


(mmhmm)


oh


[orh],


I, ah


yes yes, oh so nice


, , but the last time the, the last time that one the bleed


that one bad experience , ,


maybe different doctor has got different style,


insurance okay uh, hi my name is uh candy I today okay I want I want to share well I mean we're going to start with the, number one so uh number one ask whether do I have


personal insurance so basically uh yes I do have an insurance and, and that insurance was bought like very long ago from my sister who used to do, great eastern okay , so back then I think we don't know much about the insurance so everything is from


from her you know she she went through the course and then she came back and share with us oh you should buy this this is good this is good this is good for us so back then was not rich lah ha so poor so bought a very basic one, but I think it's the term one that's like when I die right then I will have more


I will have the money payout ya and it also cover critical illnesses, okay so , ya so that was from great eastern okay then subsequently of course as I get older than I have more uh, spending power so ya I bought probably uh I I bought some insurance from AIA okay so people say don't put your insurance into one big basket so yes so that's what I did I didn't put them all in one great eastern so it was spread out between AIA great


eastern and manulife, okay let me see, uh, ya so that's the kind of personal insurance that I have, ya for myself, okay <mandarin>姐:jie</mandarin> your turn


ya okay,


for your personal insurance ah, okay,


okay so for ah, okay so for me right, uh endowment is more for my son my child okay because I find that endowment plan for age like mine ah, is very, very high the premium is very high so it's actually not so


I I I don't find it worth it lah so that's why uh when I had my my child, okay I actually bought an endowment plan under his name you know at zero years old so the premium was not uh very high but the payout was quite good that was from AIA ya that's how I get to know about AIA what kind of thing they what kind of insurance they have okay so uh talking about


travelling lah ha of course my sister say that oh travel insurance must buy okay so that is as and when we go holiday okay but I think for my sister is that she bought the whole year one because she's always going holiday , previously ya except for now


the the the whole year thing okay ya okay go,


ah okay so for me I don't ah I don't get annual so I only buy as and when I travel, , then the okay for the


and now no need mah ya, correct correct yes yes, uh oh ya the one that was pretty pretty not pretty expensive one ya but


uh, ya that, correct , ya so now there're there're ya so now there're there're just too many kind of insurance ah okay uh okay so uh one thing about endowment endowment plan what I like is that they will give you money back


like you can withdraw some money out ya every like two year or three years, uh which is good because I'm not good at saving, okay so this endowment plan actually help me out in that sense okay okay, so uh anything to add on or not for one and two don't have already ah


we finished one and two so number three lah ha let's talk about percentage okay uh for myself, I don't really count how what is the percentage of my salary that goes to the insurance, uh because I only pay every year


it is a yearly thing ya so uh as it comes then I will pay you know then the most that month I spend lesser buy less thing, , ya so I don't have any I don't actually have a percentage that links to ya how much I earn towards paying you leh


okay okay !wah! ten percent like very low leh, okay can you because okay because I don't have ya I don't have share I'm a very low risk person so no shares for me okay


, uh, ah, but the, are still risks leh okay as long as we're talking about stock and share forget it I'm not interested that one ya okay okay but you can talk about it later no problem ya so


yeah that's right, , uh do we go for single no I don't go just one I do uh multiple like we mentioned earlier right we actually uh don't put everything into one basket yes that's right but I have


I don't think so, AIA is also, no I don't think great eastern is local also okay I think the only local is NTUC ya ya


okay which I only buy what plan from them uh for the house content, okay because I scared my house get people break in lah the water pipe burst lah my, upstairs neighbour leak water and all those thing so yeah so the, so the NTUC one I only buy for the house


that is the content besides the normal fire insurance, that HDB need us to buy ya I bought that one did you buy that one for the house content, yes ah okay !huh! !huh! only the fire ah, oh maybe you want to consider I think the NTUC income one was quite okay though


not very expensive for five years ya five year plan okay , okay okay so number five is, number five , they talk about buying car okay I don't own a car, property we have


right so we bought the uh, fire insurance I have the house content insurance and of course the HPS, the one you want to use CPF money to pay then you need to buy that one okay travelling overseas uh we already talk about it already right because we talk about travel insurance


okay having children okay that's more for me okay so ya because I have one child so uh what I did for him is that , uh since birth he has a insurance for endowment that is to help him through his university


okay then of course we also have, uh uh term, insurance that's life insurance covering thirty, thirty three critical illnesses, and thirty three then of course the hospitalisation one, okay that covers him if he gets hospitalised


ya, okay ya that's that's that's more of like for my child if he is actually called more or less like fully covered, ya in that sense ya, okay so engaging a domestic helper okay we don't have one


okay engage in commercial activity, !huh!, , you have right ah


no but travel insurance right sometimes don't cover diving, so, ah so but once you choose that one that means the premium will be higher, correct ya ya okay so I, ya so I , correct ya so I think that one I think their commercial probably would be like


shophouses or their business thing ah which we don't have ya okay okay, , oh no that is work lah


uh, !aiya! the workman com is different ah I think okay but, commercial ah okay can okay but anyway okay number six do you have CPF oh ya definitely my CPF is definitely covered hundred percent


okay because I'm the only uh owner for the house, okay so the deduction is always through uh the ordinary account, the dependent product protection scheme I also have, uh eldershield I also have okay and I also bought the add-on one you know for the eldershield right they actually say three things cannot do right but for my I bought one from great eastern which they say if as long as I have two thing that I cannot do then I can claim already


okay no one ask you for that, [orh] okay so anyway I got that one I and that one ah is fully using medisave to pay I don't need to pay cash one, ya so instead of three things I cannot do now as long as I got two thing I cannot do then I'm very well covered okay uh I


I don't think I have medishield life because, I'm using AIA uh health shield plan, so uh ya so I don't have that one ya, okay I think I think AIA one is quite well quite, quite nicely covered lah correct you also got AIA one right


yours is what !huh! , ah you took from the government, elder okay !huh!


why because that means now you are paying the three one the three three thing you cannot do or you you opt out totally, three three ya ah


[orh] okay ya because I ya ya okay can can let's skip okay would you approach a agent oh okay so my all my ah


not true leh, because ah I find the insurance is something that is pretty difficult to, understand, okay so I need, people to come and tell me uh like lay it down draw me a plan and tell me okay if you buy this uh something happen to you like in the next ten year


uh what would you be getting you know the they show me the plan so, for me ah all my insurance plan are with an agent, okay ya I have never do any research on my own ya when comes to buying insurance not for me lah but maybe because you have some background


ah okay because you learn from great eastern right remember last time so I think more or less you know what is, the meaning of their term so ya so I'm a layman so layman use agent that's how they have work mah then got money okay


, isn't, but I find their policy are almost similar, uh it's just that maybe they uh they add a bit of perk here and there and then they just increase your premium a little bit I think


, oh,


!wah! okay I didn't I I don't do any of that, I just listen to what my agent say , okay what kind of insurance are essential for people of my age, err, yes yes definitely definitely


what else, can share lah, tell me what, !huh!,


because you never buy the co-deductible one, because uh, co-deductible need to pay cash one you cannot use CPF to pay so that's the one that I have ya so how much do you need to pay


[orh],


okay so you need to review your medishield, life plan so maybe because you didn't buy ya because my AIA one right it's uh usually it will cover all so if I know, ah


no, you remember the the one that I went for my D&C, ya so it's actually fully covered by my AIA health shield ya I don't even need to pay a single cent and I stay in first class some more single room okay


no but you were put into a single room right because you have fever and now it's COVID nineteen, I remember that one ya okay okay can, so uh number ten what okay what do you look out for an okay for me insurance agent ah means they must be uh for me lah ha


they have to be knowledgeable okay they have to give me summary okay so what my AIA agent did was, uh he will, uh he will ask me for my all other plan like my great eastern, and my manulife plan then he will, yes yes he will put them into one uh spreadsheet for me and then they will tell then he will put in like what I have been covered what I need to cover ya that kind of thing so that's why I


look and I always stick to one, agent only so I don't I don't move around okay so if you are insurance agent oh dear, uh but, eh you are insurance agent please answer that question yes


, , actually money is important right, that's


sure, everything also want (hmm) true true


, but I think payment is one of because, , you say you say


ah okay,


ya okay so that's why this goes to the part on the thirteen and fourteen , ya because I don't mix insurance with investment so insurance is insurance investments is for me lah okay, but I think for you you do right you do mix them


okay uh, term life or whole life is better, isn't, the the same, term life and whole life, insurance


[orh] so that means the term one is that you buy already you die then you get money, whole life if you if you don't die you can still get some money back is is that, oh


oh then I must go and take a look my great eastern one is what term life of whole life, okay I think I better go and check okay uh do you have a do you have a investment linked policy [orh], I think I have the one from great


no but I have I bought uh,


then you got no money back , oh that means uh okay so you invested in the wrong time, ya so ya because, uh do we can continue


we can continue right, ya ya ya so the last one is the the investment linked policy because I know I have one alright uh I pay out that time was


uh that was also during the crisis period I bought the it was a high risk one okay the stupid agent ah go and invest in india, okay really okay he went to invest in, india so I paid like six thousand eight okay then at the end of the third year okay I got back double leh


ya, back to my special account double you know after three years and it was india market then after that I tell you I told her, I don't want anymore you can kick me out, !wahpiang! eh did I tell you that risk was horrible I cannot sleep ah okay that one I cannot Tahan ya so that was the only one time I had


that was the investment linked, no uh that time !wah!, that time my one was the india one I tell you scare the shit out of me okay so no more


, ah the risk


(uh) you wait long long two year at least ya, (mm), okay (ppl) okay okay we're good (ppl) no problem, on the phone on the handphone okay can


negative product review okay so hi I'm candy okay so I'm going to start with my negative product review so uh earlier on I talk about the, positive thing about national dental centre but of course I now I have a very bad experience with national dental centre okay so uh it this is for my my my child who went there for his wisdom tooth extraction so he went for two two times extraction okay so the second time we went uh


uh was a a much later timing it was like a three thirty slot okay the appointment time was at three thirty okay however, we were only served like at five PM okay at five PM and the


the way the dentist explain like you know uh whether to uh do the upper one as well or the lower one as well uh was not clear he was like say oh you want to do the top one also can you want to do uh both together also can you know so he his explanation was not


uh as good as the first dentist that we went to see uh the first time okay so anyway because given a five o'clock right so I also think that he might want to be going home lah ha so I guess, so we say okay then we we we just keep the the top one first okay we just go ahead and extract the bottom one okay and it's like there's this consent form that I need to sign because my child is below the age of twenty one and it's like he already write the form you know lower and


upper you know uh third molar tooth, then after that can tell me oh we just do the bottom one will, do so need to cancel one it's okay, so to me is that the form is the thing that I'm signing if I find lower and upper that means you're doing both correct so how can you say it's okay just leave it as it is so already


that portion is already very very bad experience so that means you are I find that he is not taking, ya I find that he's not taking his his work seriously okay okay so anyway we did the bottom one only because it's already five so I don't want like to drag some more you know of uh his time okay so it was very fast okay the extraction was done very fast it was like less than a


twenty minutes thing you know so he was already done okay so uh they put gauze on him okay then because it was like already five thirty six o'clock okay and they're going to leave soon so the nurses asked me to take the, form to go and get the medicine like the painkiller and the mouthwash for him okay so I went over to queue and then get it and then by the time I go back to him it was already six PM he was already outside sitting down waiting for me okay


so uh okay so he he was told lah ah by the nurse to check you know make sure there's no bleeding if no bleeding no need to put the gauze anymore okay so we went to the toilet he checked that everything was fine okay so we went home okay, so at home uh everything was still good there was no the bleeding actually like sort of like


stop okay then after that we he went on to to bed okay so uh of course I have to check on him regularly be it the first time or the second time so uh at two thirty in the morning okay I went to check on him and I realised that he was bleeding okay so


I woke him up then we actually got him to put on the gauze and try to stop the bleeding so we did the method that they were telling us okay because there was a leaflet given to us say uh uh gauze uh hold uh like, uh bite for it for fifteen minutes alright then remove check again if it's not bleeding then you don't put the gauze okay so we tried okay then their their their word is like uh you attempt a few time


okay and if the bleeding don't stop then you go to A&E okay so to me is that, a few times is how many time, okay so uh okay so never mind so we said okay a few time we try okay so we we try to stop the bleeding okay so we stop from started at two thirty and until


four o'clock the bleeding still haven't stop, okay so I find that it's too long because it's like AM in the morning we're all tired, okay so we decided we went to the A&E, okay so at the A&E we went to SGH A&E okay it was, pretty quiet okay uh so we were doing our screening outside ah


okay the, the the the the attendant there, ask oh what are you here for, okay we said oh he had an extraction and he is bleeding now, okay and yet he can come and tell me oh just to let you know the waiting time is five hours


okay ah correct five hours then I was like, no but he is bleeding now you know he's bleeding it's not that he's having a cough or, fever or you know something but he's bleeding you have to stop the bleeding right you cannot tell me the waiting time is five hours okay so


anyway I ignored him so when I went to the second room where he did all the checking for his pressure and all those things I told the the attendant there off I say he is bleeding can you please, okay I'm telling you please go and call the dentist and ask the dentist to come down okay because this one the normal doctor cannot do anything one you have to get the dentist to come down okay so by the time we registered with the


the A&E right it was already like four thirty, okay okay ah so bleeding ah so because I was I left in a hurry so I never bring gauze, okay I never been gauze ah so I ask them eh you have gauze so that he can do uh periodic check


and then make sure you know change the gauze lah so that to hold the bleeding okay so they gave me uh, very big piece of gauze okay so Kai try my boy try to go and fit it in but it's a bit uh tough so we went back and asked for a smaller piece !wah! he outright reject me say oh that small piece we don't have one


okay you got to ask from the dentist later, okay then I say but one piece is too too little two piece is too big okay so he said okay then uh maybe cut lah, okay then he just pick a scissors out from his bag not clean not sterilised uh


and cut, and then he expect Kai to put that gauze half a piece into his mouth where it's bleeding okay so we cannot take it anymore so I decided to go and ask the the the the the doctor in the room and say do you have a smaller the smaller piece where he can fold into two and then he can bite okay so luckily they have


so we managed to do it so we didn't get to see the dentist until about five thirty in the morning, so imagine every fifteen minutes he go in and change he go in and change so he has been bleeding you know so you imagine, if it's a elderly or you know or somebody of middle age like myself then what's going to happen okay just because he's young doesn't mean that they have to treat him like that okay so the so the attitude was all not right lah okay I find that it's


it's horrible even the A&E ah SGH was also horrible waiting time five hour when I told him he is bleeding okay so, okay but anyway after I seen the the dentist at the A&E okay so she managed to stop the bleeding, okay so the bleeding got stopped and then by the time was uh six six six-ish ah


so we get home so he have because he didn't sleep for the whole night ah so he's tired okay so we actually slept through lah ya until afternoon then he woke up okay, then after that because I have concern mah because don't know what the dentist put inside, so I called the hotline


I said uh can I speak to the dentist that you know who attended to us at the A&E okay, uh that was wednesday ah wednesday, so the nurse said okay I send a message to the doctor you wait okay so thursday no call from the dentist okay so I called the uh national dental


uh uh, QSM line the quality service one okay so, I thought I give every name give the scenario everything so, from QSM maybe the doctor will call me back on the same day lah or maybe the next day friday lah okay because saturday sunday off mah no working so friday no call but luckily he's bleeding stopped but


I still want to speak to the dentist okay okay never mind so sunday he went back camp okay monday also no call from the dentist then finally tuesday the dentist call, okay and ask me oh how is he, then I say uh you are a bit too late lah because he's already back into camp on uh sunday night already I specifically told the ya I specifically told the QSM people that you know he's


booking in on sunday night, okay so to me that if he is, in I mean if he's out here ah then I really don't care you know when the dentist call me back but I already told him that he's going back on sunday so I need to make sure that you know he's in a good condition before he goes back, okay uh but then the dentist only call on tuesday lah by then I told her everything is too late lah ha we are almost


and done and over with it lah okay okay so, uh ya so that was the very bad experience lah we have with uh SGH A&E and as well as the national dental centre okay, then the other one is for why Q then this is another platform for


uh food delivery, yeah so it's actually for hawker centre like #tiong bahru# market, uh the, chinatown the the market one lah the hawker store one okay, so that time, I wanted to eat fish soup, okay so I ordered ah so I book very early you know I I think about three PM ah I book for the evening slot the dinner time


okay so book already pay everything okay so they say suppose to come between six thirty to seven o'clock okay so I was waiting waiting then suddenly I receive a message ah and tell me ah, uh my order cannot come between six thirty to seven it will come at seven thirty to eight


so that was horrible so that was the only time okay I order from them and that's it I'm not going to order from why Q anymore ya that one was horrible, no they they never say anything they just change it to seven


they just change it to seven thirty to eight, they say uh uh high demand or something, but I requested at three in the afternoon so shouldn't you put me into priority you know that kind of thing and I already paid so, !wah! that one I really cannot understand so that was a very bad experience with why Q ya


they are mainly for hawker centre, ya and they only have fixed timing so I choose the timing that you put inside your website mah so it's like (hmm) ya so that was ya that was bad, uh have have, one store three fifty


ah imagine you order from two store then you have to pay seven dollars for the delivery, ya, so it's not that cheap okay they're not that cheap so ya so no more from them why Q okay don't go there okay, okay can okay


[orh] okay, okay, yes yes yes okay your turn


eh did you pay for it, then they give you back the money already [orh] for that one module okay okay, okay okay


, yes yes


so now they are still noisy ah, [orh]


[orh]


then did you go and see your MP


bad experience okay but my my experience with manhattan fish was very good Kai has his birthday there you remember last time, ah ya, so I think maybe different place, [orh] okay okay


positive product review


okay back to me okay so your experience is in japan so japan ah whether the dormitory or non-dormitory they are all good because japan is the best okay so


okay, okay okay okay okay okay okay okay, so for myself okay , uh my name is candy okay, and the the positive product review that I'm going to talk on is for my M one okay recently my


contract is due okay so and because due to the COVID right so that time during the circuit breaker the whole shop were not open, so I cannot go and then say try phone and things like that okay so then I called the M one shop okay so the customer service


uh executive ah the lady who attended to me , okay so the thing is that I want something that I don't have to pay so much and yet is a, uh more uh slightly up to date kind of phone okay so and I know because during this, period right the M one was also having some promotion where they say that usual price is like this like if you like buy this week ya there will be a cheaper range ya cheaper price that I can I I I need to pay so uh because I was


okay lah I was a bit lazy so I didn't go to the website and see uh what are the phone that was on promotion so I called the hotline okay then uh she, attended to me okay in terms of the waiting time was not very long I was


thinking that I might have to wait long because everybody is calling in right so but I was quite surprised ah I was served quite fast uh like less than five minutes okay the lady answered me, okay so I was telling her okay my plan is due what I need to do what I need to what I want to buy


okay so uh, okay so uh she was uh okay she went through some models with me, okay and then she explained to me like this phone uh what is the uh functions okay and how is this phone different from my old my older uh model okay because both of my phone are from oppo okay but she was very the knowledge is there okay she was like able to


uh, tell me the difference of my two oppo phone okay then tell me uh uh ya this phone is uh basically that phone was on promotion so instead of like paying uh two nine nine I only pay one hundred


for the phone so because they were having promotion yes correct , okay so uh ya so ya it was value for money the quality is there okay then of course, uh the next thing is uh I said okay so how do I collect the phone okay so she says uh no need for you to


collect they will deliver to me okay ya so then she also tell me okay when will the delivery guy come okay it was like two days later, okay uh evening time okay then she also explain to me say that oh


uh when the thing come try to open it in front of the delivery man, okay to make sure that the phones are in a good, condition okay if it's if you see there's any scratches or whatever ya you please return it to the delivery man then we will just resend another


new one to you okay so ya ya at least she reminded me that you know because I thought I just because usually when you get delivery you just take and then you just put right then after that you sign already then you just let them go but she reminded me to do the check and things like that so that was very


uh kind of her lah ha very knowledgeable okay so I was very impressed, by her, okay so that was my experience with M one, okay uh then, the second thing that I want to share would be


my visit to the national, dental centre okay uh for national dental centre I have we had two experience lah one is for myself and, the other one is for my son okay my son went for his wisdom tooth extraction okay because uh he's going to ORD soon so need to make full use of the eleven B okay okay


so for myself I went there for my uh my gum treatment okay because all the while I have been using outside, dentist because I find that, government dentist may not be so good okay because I think uh they hold a like so called like a regular salary so


they just do and then after that time's up they leave you know that kind of thing so they don't really care okay so I that's what my thought was ah for for for like you know government thing ya government thing ya so uh but my experience with this national dental centre this doctor ivan he was


okay so first we had the referral letter from, uh poly okay so after that, uh we I get appointment I see him so he actually called me, the night before to confirm that you know I'm going for the appointment


and he call me in the evening seven PM, and he's still at work ya, okay so he's still at work he's trying to confirm all his patient that is supposed to come, okay, so after he spoke to me he said okay so you are coming then I said yes so okay fine so he confirmed the appointment already so the next day I went okay so I went on time but probably fifteen minutes earlier okay so supposed to be served at three thirty ah okay but at about three thirty five


okay the nurse, his nurse came out, and look for me, okay and apologise to me saying that the the the he may need a little bit of time on the previous case, okay because uh I I because I think he also don't know what is the person coming in for ah so there was a bit a bit of delay so first the first time the nurse came out and tell me you know please wait for a while lah okay so of course ya because you inform me already so I know mah so I know you cannot be I cannot be served on time because


uh government sector is like you don't serve on time also never mind one there's no need for them to come out and tell you right you just you just have to wait lah but she was, nice you know the the dentist sent her out, to come and tell me to wait awhile you know and apologised for keeping me waiting okay so I waited lah for about twenty minutes


okay then finally my turn I went in okay then the dentist himself apologise to me for keeping me waiting, okay, then after that ya so of course then we sit down we check check check our teeth okay after checking,


then he says I need to do X-ray, okay so of course then I have to leave lah okay and to do X-ray, , ya then you know ya then after that uh after the, X-ray he was waiting for me okay to review my status what I need to do and things like that when is my next appointment going to be and things like that so I was very impressed with this national this national dental centre so that was my own experience okay with the centre okay then subsequently my


child needs to go for his wisdom tooth extraction okay so, uh I also didn't know what to expect, okay but uh it was also very impressive okay he was served on time, okay it was a two thirty appointment so he was served on time for the first extraction okay okay so he went in then


uh, the service was very good because he told me, because he was feeling cold, okay because you know lah the the clinic is always very cold and they they gave him a water warm water bottle to hold on his hand, so that he don't feel so cold oh my god I was like


so impressed by it you know it's like, oh they really took care of him you know because uh, because we didn't ya because I think maybe it's because it's a surgery so of course the, anxiety is there you know so you will feel tensed and have cold hand cold feet ya okay so uh they gave him a


water bottle a warm water bottle to hold on his hand to make him feel more comfortable and warm, that was something that I really didn't expect from, from this national dental centre okay, then of course after the surgery was done uh they actually taught him how to put the gauze and then they also explain to him like forty minutes need to change the gauze and things like that


and then went to do the went to take the painkiller went to, take the uh the the the the mouthwash and all those things ya and ya so !wah! that was impressive okay so that was that was the wonderful experience we had with national dental centre so uh we were so happy about it so he came home the the bleeding was


well you know it was very well nicely done the stitches was good ya then he actually recovered quite, quite fast for that but maybe because he's young, no the other one, that one the other that one will be the negative one okay yes correct so that one will be later okay so uh so this was the experience I had


with national dental centre with this dentist I think it's a doctor it's uh it's uh doctor Lin ya okay doctor Lin so, maybe ya okay, so these two experience that I had okay so the last one I'm going to talk about


was uh it's also a very good experience okay because now during COVID right never have a chance to go out and eat I also don't dare to go out and eat okay because don't know whether their utensil clean or not okay, ya because there are so many people using right so ya okay so during that period okay we always grabfood ah grabfood foodpanda okay but


getting a little bit bored, okay so then that day I happen to try this oddle eat O D D L E, E A T okay so this one is slightly more, Atas lah so it's actually more expensive okay and uh the restaurants are generally further away it's not like uh two kilometre or one kilometre away kind of place


so we ordered this , italian food, okay so uh the way uh we ordered was okay they have one online application, so after we click online we chooses what we want, okay then we submit okay then after that uh


very fast you know straight away ah he reply me using whatsapp already and then he tell me okay is this is your order that you confirm alright if this is the order you confirm ya how to make payment so they have so many type of payment can be paynow paylah uh online transfer ya you name it lah so it's all there you know all the things are there


okay so you just have to make payment so then they also explained that once you make payment do a screenshot and send back to them, okay, so we uh we ordered it was uh truffle fried rice, which I hate ya because that boy like truffle okay so he ordered the truffle fried rice okay so so we ordered a few dishes okay delivery was like ten dollar because uh this restaurant happen to be a little bit further away


okay so I was expecting like if it's quite far away by the time the food come it'll be cold okay so actually no lor okay so on the day itself so we ordered for lunch for the next day okay so in the morning right the chef call


and ask whether is there anything that we need to take note of is there anything that we don't want inside the dishes and all those things okay call leh call me leh okay okay then we said oh it's everything is fine just as it is okay then they confirmed the order okay so before they send the


the delivery they also whatsapp said oh your food is on the way okay then after that uh when it reached of course they ring the bell then I the food came in the food was still hot leh, okay so that means ah the guy actually delivered to me only


okay that means from the restaurant directly to me not like you know from the restaurant this place first A B C and then come to me you know the kind of thing so it's direct at ten dollar I think that's very, very cheap already lah ah as compare to ya so it was ya so and the packaging was good it's not like those normal


uh plastic those that you know microwaveable that kind it's actually quite, uh environmental friendly they use uh paper form ya okay so uh of course the food was nice we, ate okay he ate the truffle fried rice okay which stink to me okay but he enjoy it he said the truffle fried rice was very very very nice


okay but uh, I bought I bought other stuff lah for myself ya so ya so that experience was very good okay although it's a bit uh price is on the higher side, but , you know at least there are some another platform for us to order ya slightly better food


ya true for us ya correct okay , so yup so this is my three experience good ya positive experience ya so probably I will order from, them again lah ya because it's very nice


it's like , uh it it's quality is there value for money I think is also there and they're very innovative ya because they have, they like in such a short period they have so many mode of, payment you know you don't have to worry you cannot pay because


with with all the possible, paying method is there, ya unlike some they only have like paynow you know or paylah you know that kind of thing ya, okay , so how the [orh]


so do you have any debit card, so what is credit cards like how you use it


I don't have a credit card or debit card, because to me I scared to, to uh loan or what because I scared that I can't


uh usually if I save, I will use up, use that money also


actually I'm not sure I can't give advice lah cause I myself, uh don't know anything how to save yet ah, so what about you do you have like savings habits


so I also the same, my savings are all gone lah, due to COVID nineteen also, how do you manage , financial commitments


do before marriage or married you married already


uh me too I also haven't planned of, that saving or what


like each day I spending too much on my, uh food, ya I usually I usually like to buy food lah, like ya, most of my money spent on food, uh every day or


let's say uh like uh, uh snacks or maybe , if every month then is spent on my, uh data I pay bills, my phone bills, then my house bill


help my mother a little bit lah


personal insurance, or savings I I mean lah ya, because uh, for insurance ah is on my dad, means he applied for me insurance lah he's been paying for me lah under the NTUC


so I'm not, uh ya so what about you


ya actually I did contribute uh, CPF eh no actually I work then the, my my boss will, my money my pay will, what uh, cut off my CPF how many percent right


ya, but if let's say last year I self employed I will actually put, my old CPF but not that much lah cause, my self-employed money, has a self-employed also, uh I didn't earn that much but if let's say for


uh what ah, I don't know what is it called I forget already, so how about you you contribute CPF


so do you have any tips for those who, want to retire like ya, retire comfortably like do you have like, any advice for them, like how they should save their money before they retire


if if I if I lah if I wanna advice someone, before they retire right I think they have to save money like five, to ten years before they retire, or maybe they actually save insurance on savings


so that, they can retire lah, and ya they actually, have to, take care of their health, then, make some fitness so that they won't get sick in the future when they already retire or ya


so they won't use up a lot of my a lot of money, to spend on their like health condition or


strategies would you recommend to someone, planning for their big ticket means like starting a new family or just getting married then wanna buy a house what strategies you, you uh you want to give


if me I also recommend the same thing lah like if you wanna buy house when you, you already uh got married then I think better buy, nearby your parents' house so that you will get like more grant more benefit


so will get cheaper so you won't like suffer lah, and you also need to work, eh to get more CPF lah, and to me they also wanna buy a car or maybe motorbike, what I suggest is they had they need


to, have a good plan on that also, so ya so they won't suffer in the future, so what do you think of uh I just now you, talking about


what you spend the most right like, so how about you ya how about you, how do you spend your money how do you spend on it and what thing you spending too much on


I also lah spend too much on food then spend too much on like shopping ah, uh, like I don't I don't if I have money like if I get salary or what right, I will like, actually before I get the salary I already planned that okay I should save


this amount this amount then when I already get the money right all my plan is already gone so I like spend too much on food I spend too much on, , clothes or maybe when I go out with my friends, like, plan things weird like


we do you know like let's say I go out then when I saw something uh, do you think you should buy this then we buy you know like ya I think like, I spend too much on that lah like go out then suddenly I want to, buy this one buy that one, like last minute plan ah


why you should own a credit card


!oh! I don't think so, if I right I won't, I don't want to I I don't want to own any credit card, because it's like, scary lah because I scared that , you know credit card we can spend like how much or maybe they there is like limit to


to to that uh, card lah let's say I only can spend around, five thousand per month, but let's say I cannot pay, five thousand on that the specific month uh like


ya then you have debts all over like very hard lah, so I don't think I want to own any credit card, and if like other people want to, own a credit card I advise no lah I think better you save money


than you spend, I don't think so you like you should, own a credit card lah because, you have more debt lah because credit card, so we have like, a few err a few


percent like they will, like you have to pay more than what you spend ya interest ya correct


to me if let's say, I want to earn in extra income maybe I find extra job maybe I have a fulltime job when when I off day I work on my part-time or maybe I have like three part-time jobs so that I'll earn extra maybe ya


but to me, is also very hard lah nowadays to have like more jobs because due to COVID right you, they certain jobs right they have limits where, like only, uh twenty person


on this job so ya you can't get more than three jobs lah nowadays, so maybe you can like sell something online to earn extra income, ya, that's what I do or, ya, that's what I do lah to earn extra income I sell like things online


I buy things and I sell online and I work also, so I earn from there lah


to me like there's no different ah if COVID or, okay let's say if, with COVID right if you work also, you need to spend then, there's no COVID also you need to spend like money let's say no work right and you also have to spend on food


then on ya, I'm actually not so sure lah


ya lah


ya there's no different, you still suffer lah at the end of the month


like me lah ya, correct ya, I will watch I will travel to buy that, certain thing ya correct correct me too


negative experience, so I have, , bad experience, you know, I actually went to this saloon at #chong pang#


so she told me that there is like promotion for hair, so I wanted to curl my hair lah my hair was like so long, the I really wanted to, curl my hair so I went to, to this shop uh then


you know when you excited right you want to curl your hair then the person already like convince you say that it's very cheap, so I went there, the person say that uh okay uh this is this is the price and blah blah blah so I was so excited I already like


do my hair treatment before I actually curl my hair, then I showed her the picture she should know better than me right because she she, to, to me that she is , what ah


she's the shop person like I mean like she's the one who, she's the hairdresser so she she should should know better than me, means like when I showed the picture maybe she can like advise me I don't think this is suitable for you or uh I think I can't do this hair for you


but then, she didn't say anything she asked me to sit down, then you know what is the worst thing she go cut my hair short, she cut my hair short, she go cut my hair, you know my hair was really long like can touch my


back lah, very very long lah then they cut my hair until shoulder length she curl my hair until, until very bad like very very what


she she cut my hair until very, short then when after she curled my hair she curled my hair already, she, she told me !oh! ah nice when I see the result right is so


bad it's not nice at all I feel like crying then she asked me to pay this amount then I was like, wait why why I have to pay this amount when, it's not worth it then my hair is, not you know don't have to be exactly on picture but it's not similar also it's making me so upset then my hair become very short then


the hair like you know like Kena electric shock you know not the curl I asked for so is very very bad experience, then she she never like convince me like uh make me feel better you know she just take the money then I go off she say very nice right then she tell she she just ignore me then uh like entertain another customer


so, ya very bad experience so how how about you Magis do you have like some


and the blue colour


!huh!


you know I also have one bad experience ya, correct, I also have one bad experience where I buy things online you know online you can't predict that thing will come exactly ah or so there's one day I I plan to


like buy one t shirt online so uh they put there the sizes then they have their own measurement all ya you know the quality of the T-shirt won't be that perfect lah but it's okay lah is uh quite cheap around ah around six dollars so I bought it


when the item reach you know what it's actually so small you know, it's not according to, the size and is not according to the measurement where they tell me or these measurement blah blah blah you know when when come with very small and the worst part is the courier


the app showed that the the item already reached at this warehouse you know when you purchase item then the thing arrived at these warehouse then they will show you okay uh these items already reached, uh this place I, and so on right so I also like okay I already take the thing


I already, I was waiting lah because I need to be home, to wait for the courier to come so that I can take if not I need to reschedule the delivery so I also don't want to reschedule the delivery so I wait lah I wait and wait the whole day the items still not here but


the app say that the delivery man is uh delivering today and I received a message also, so the next day the item arrive and, the worst part is the item is really not worth it lah because the size all is different from what I ordered


and another thing, the courier the delivery man is really really rude okay they, okay if you knock one time right, uh hard, it's it fine but you knock so hard like, you going to break my door ah is is very bad then when I open the door ah then the uh the deliveryman shout like !huh! why you so late ah open your door ah you think what I got uh I got time is it to wait for you ah you think what uh I got one place only to deliver I


I understand I also deliver item, but we don't have to treat someone like that lah because you don't know what she she or he inside toilet or what you should have called she he never called me then he's scolding me, then I already take the item he still wanna scold me then I just close the door and


when I open the item also I feel so upset already, cause the item, like I say lah it's not the same


ya lah


ya then you know I also have one bad experience where I go to this okay I want to go eat right at Bishan you know then I have to queue lah I have to wait for my turn so like we have to queue then in that queue right in front of me like there's three family so uh


the person said that okay the estimated time you have to wait is thirty minutes so uh you don't mind waiting then I say ya I don't mind wait, waiting ah I can wait (ppc) so I wait wait wait wait then thirty minute already but then there's the queue


uh still no moving, then I'm not mad lah then after that he come uh wait ah I I think you need to wait another ten minutes then I still wait then the the queue already move lah then after that I talk to the person nicely I say like uh


can you like give me a call or what when the table is like going to, be clear or maybe I can come up back so that ya, oh the person say no no no you are the the the worker there no no you need to like stay here if not like the person behind you just go lah if not you queue back ah not our problem ah bla bla bla like you don't have to speak like that to us lah you just have to be nice


because we already wait for like forty minutes total then you you scolding us, then after that when sit down already right , the place the food is so, bad ah like the I ordered uh what I ordered uh baked rice okay baked rice usually ya it'll be like very very cheesy lah cheese baked rice


it's nice but the chicken right it's not cooked properly it's not baked properly the the chicken still red you know like, then I just talked to him nicely I think uh you should re-bake I never say that you should throw this food uh because uh the chicken red ah blood ah I never like give negative or what I just tell him that uh I think you should rebake or maybe cook back the chicken then you can pass it to me back ah


at least something I never ask for refund also but the the person the manager ah like like scolding lah like scolding the staff already scold me just now now the manager come and scold me also, it's not it's not fair lah is it because I never like scold uh or angry because of the chicken I am being so patient then I'm being so like


good to you and you talking to me like, that it's not good lah, it's not always customer always, ya so ya, to me is that's not reasonable lah


what, ya


(ppc)


positive experience


okay (umm) so I have like a positive experience like I went to malaysia right, this hotel, ah called hotel, central ya I like the, place there I like


the customer service there like when you you enter the hotel they will like greet you, then they will say, , they will greet you and give you nice smile then uh they will ask uh hi uh can you like wait a while


let's say like like there's a lot of , guest there right and they have to, to like, they we have to wait right they actually like, uh, make us like a good one lah like they will tell us sorry


you have to you have to what uh wait, uh and they talk nicely lah they actually give a very good service then they when they give right you know what I liked about the hotel right the hotel


it the room right is worth the money the the size of the room right can actually fit up to like eight person but actually they put only two adult and one children right but, you know the uh money I pay only thirty dollars for per per night then the bed is very big then you can sleep up to