CPF you can use but there are very strict restrictions imposed by the government in your CPF act so you can use for certain things only and uh to a large extent


I have not used my CPF funds it partly because of the restrictions and partly where mostly because the CPF interest rates are fairly decent so I mean to me the only things which are better than CPF rates are the


property or shares eh ah yes if shares you buy AP [loh] if you are lucky it jumps hundred percent and when you when at at and when it goes on market, then you can make hundred percent profit uh property or same thing lah but both are gambles it may go this way it may go that way


you see but CPF offers this err standard rate of interest which err not say is very high but compared to the interest rates or savings account in banks is much much higher, and uh CPF money is something which we should not squander because uh later or for for retirement or whatever is it it's still available and I think for now I think ordinary account savings in CPF can be used for university education in singapore for the children


err will it still be possible when the time comes I do not know but uh for now I'm keeping that and uh, ya, ya yup


yes so correct keep the options open and hopefully the regulations don't change to out uh, too negatively err at a time we need to use the funds cause they they've change every other year so we'll see when time comes


part three negative experience


, , (mmhmm)


ya true lah, ya they will try to hard hard sell their packages because they make get more money upfront and you are more or less forced to keep coming otherwise you will just lose your money and for them they've got their money already so whether you come or don't come actually to them makes [loh] no difference


yes


yes very true ,


, with all this is true lah but it relates back to what I mentioned earlier these all businesses they want to make money make profits so they try to maximise while they can so one thing is you you just think they try to charge you as high the price as possible


but for things like gym membership and the sessions you mentioned currently they will they know that people may not, always remember always come so try to lock so called lock you in with a package so then you're afraid if you don't normally if you don't go you don't go but if you are not paid a package already you will lose money by not going and then of course they are shall I say kind enough to remind you


that you have a package outstanding and you so miss eh you know x amount of sessions available so you better come, and then uh of course one of there then uh whether between uh err not only in terms of selling the packages they I mean some of them will also try to sell


products you know okay you know err in between you coming to my our that's facial session one you should buy this ah lotion or this moisturiser or something like that you know it's err like high quality clinical clinic quality or whatever level quality it is


so then you can you know don't have to only get treatment once a month your skin your skin is you know getting dry and this and that so you don't take risks you better have a, buy buy this ah bottle of hundred dollar lotion so that you can keep your skins you know nice and smooth until next time you come here when we give you your next treatment and with this products also which actually if you thought of it


you can go online you probably buy the same thing and much cheaper but at that time they will try to hard sell it so much that, it's very hard to say no, err okay I mean my experience


ya ya then I mean it's all it's all profit motive lah as far as I can see I mean err what I have similar but different is insurance plans like accident insurance


I mean I already have but now and then I always get calls err offering this and that so what I've notice is some in a way similar to what you mentioned about the package to start with the, maybe thirty sessions then reduce to twenty ten or whatever for insurance they will start with their most expensive platinum level plans with the highest premium possible you see so when err and normally they


will start talking a lot and then after awhile they say how is it sounding so if I say it's uh too expensive then they will mentioned only the platinum level plan why how about why don't you consider our gold plan, and then you got silver and then you got ah first you got gold silver bronze lah whatever is it which it will be ah lesser and lesser premiums


of course they will always remind that the less lesser premium you pay the lesser the coverage insurance coverage and all that so again they're trying to get you to buy the most expensive product they can which I supposed will maximise their profit for insurance company and as uh I guess the commission for the selling agent lah


I'm sure all this sold on commission although when I ask them they won't say ,


ya err I mean the procedures for Sanyak give them money seems to be much easier than getting money back and cancelling policies that's what some people say about insurance policy also what you easy to pay premiums but when you need a claim it's so hard to make a claim so many requirements and then


end of the day you that they may deny your claim or only give you a bit of the money I mean I I have no personal experience of this but I've heard err many people saying things to that effect so it's quite scary


ya ya, correct


yes yes yes , ya it I mean the fine yes for because these things some of them in the fine print somewhere which is not really brought to your attention in the beginning they make a a differentiation between


ah like, medical and cosmetic treatments so if it a lot of things they will put up one of the thing is like scaling or polishing we may think is standard but some places they may consider as cosmetic , so definitely things like crowns you know crown in the teeth all that are considered cosmetic so it's not covered under the so called medical or dental insurance and then you end up paying so then everybody is looking out to get as much money from you


but err but to refund you or err get err , your give your claim amount as little as I mean not as much as we would like lah, but you know what ya that that's


, , there's a lot of drawing lines lah what they can accept what they will pay forward you know and although we try to look at the let's say terms and conditions of policy it's not always as clear as we would like what is allowed what is not allowed what is include what's not included as sometime wording is a bit


vague or ambiguous that's the word so I may mean it one way whereas insurance company may mean it a different way you see and unfortunately any claim it err normally insurance company will decide how, what they meant you see and then how and then if you disagree with what you want to go and complain to what police go to judge courts I mean most of us can't be bothered with that you see and insurance companies or whatever merchant knows that most people can't be bothered to go to that extent so


it's for the consumer unfortunately it can be a raw deal lah, you see and extends across many products lah not just the ones mentioned here but many products have something similar there ya with to a lesser or greater degree , so that's why as the consumers association says we have to be a buyer beware that mean you know what you're buying so and read your contract before you sign


so although that's generally good advice some it's sometimes not enough especially if the document written is not in err like simple english, it really ah you need to uh have a law degree to understand that's what I found for some of these things so then how to later say I don't agree cause need to tell them they say you sign place your signature here and of course we will say yes we sign what what can we do


is it so it's very difficult to argue once there is a contract will it be ah oral already difficult written not so not so easy also because they're always err err these loopholes and bear in mind the contract or agreement because it is written by the merchant


so of course I mean from this point of view directly to they have best advantage, so err thinking of the consumer unfortunately doesn't seem to have has high uh priority as I would have liked, so perhaps some stronger uh consumer protection laws would probably a good thing to have because err


it's sometimes it's too onerous on us and legal is actually quite expensive so most people will be cannot afford it or waste time or the money to go through that kind of channel although theoretically the, insurance company let's say or the for whatever you say feel if you don't like it can always go and make a police uh report and go to court but court take a long time because a lot of money and err I don't think they sufficient appreciate how much


effort it takes and time in in money as well on people member of public this kind of thing, so on forth ah that's one thing which I think it should be looked at more quickly cause it been complete a long time but action is slow in coming in my personal opinion


, ya


well yes, ya I mean some true but some of them what we like was , after awhile we did the taste then when we asked then they said oh the chef has gone back or it's not with them anymore


that's why quality is different another one they had a we quite like it and the price was cheap then what happened was the shop had closed for renovations so in reopened the prices were like almost twice what they were before


and because we've been there before we knew the difference and we did think that the I mean their renovation basically they put a I think change the tiles and put a glass in front and air conditioning but err I didn't think it justify the, doubling of price so then after that after we realise that's what they did we stop going there because also I think the I can't remember exactly but I think the quality of food also wasn't what it was before the renovation so maybe they also have some issues with their chef or the kitchen or something I'm not sure what exactly


ya


right, true true true true


yes there's something there yes, ya err again I mean combination of factors but I mean to me again sorry it's a to me is always a question of ah profit because I think when it first open this this new restaurants of new chain they will make put in their so called best effort


but after they think they're established enough so they will cut back a bit whether in terms of the size of the servings or maybe the number of quality of ingredients so then the taste changes, and whether or not it's the same chef, and that but uh so that's why we have this err on going issues but of course the other thing would be the


interesting thing is now they're like like the thai restaurant which you like I mean like the thai green curry and all that nowadays you can actually buy those mixes ourselves whether it's at online or from actually shops around so actually the need to eat out is become a bit lesser also because some things you can buy


of course you have to make it lah so if the question of going out is for the experience of have you know not make not cooking then going out eat is still there, but then we can go out a bit less often because we can buy and make it ourselves and be that must err cheaper we don't have to dress up and go there and come back and err especially in this period towards unnecessary expose yourself to whatever virus or whatever possible infections and so and so forth


, ya end up we were grateful you have foodpanda all these options which I mean I don't think they were there like ten years ago so many more options now you see of course they charged for their delivery but


okay we can afford to be lazy lah put it that way last time you eat anything different you must go out no choice now you have a choice just pay for it you know is eastern western ah you know turkish or a thai or the err north indian south indian ah vietnamese mexican I mean you can get almost anything


almost anything so really it's quite true when people say singapore is a food paradise you can get almost anything you want I mean not just food lah of course shopping also a lot of things can get but is buy it beware for that as well


ya ya but that for yes true but for that particular one because is a first time we went to that store not sure whether that their price is indicative or not but ah is something to keep in mind quite so


part two positive experience, okay


you go first


the base


, ya, ya actually ya actually I think better twice at least twice and uh ya and uh


yes and we also are quite uh happy to err support the made in singapore things, so I would say made in singapore I mean to us it was a positive although I know some of my colleagues for them made in singapore they don't like the idea because they think is not as good as maybe as things from


overseas or whatever but uh ya but we are quite happy to buy local to us ya, , true true


correct correct correct , ya


ya this is, ya this is true lah I mean for both of these positive experiences because we sleep in our HDB flat cause space is less sort of storage bed helps a lot in terms of keeping things away, because you know if you can have more cupboards and all that and bed space is quite hard to get by in a flat already so this helps to free up some space and err similarly for the hydroponics part because direct sunlight doesn't really come in


so that's why yes you are right doesn't grow so well, so may have to put up some, artificial light so that the plants will grow properly


, easier said than done as time goes on things get accumulate so must remember each time we get something new must throw away something otherwise you run out of space


okay


okay before bubble tea ah talk about the positive things is , if my handphone is lasted for a long time without uh giving me too much trouble you know


uh this one is no this one is some, five years my previous one actually was four years and it was still working, ya I ya err I


don't know I'm not allowed to give the handphone brand right raymond think not allow too lah so but anyway it is err it was is working well all this while so I know a lot of people who after two years or or thereabout plus minus their phone stop working


so they have to buy or get new phone anyway which ties in with their contract with the telco mine is working well all this years so I'm keeping it because I see no need to just spend money, but only problem is as the apps they keep uh updating them it requires a higher and higher level of operating system and as my phone it's get comparatively older and older there's not enough


there's a limit to how far you can upgrade the wears then you know my previous phone after four years I had to give it up because I couldn't upgrade always anymore so app stopped working so I have no choice you see but aside from that the I'm very happy with the phone


so err there's a quite there's a positive thing uh


okay sorry about that I thought I'd charge my laptop fully but uh it started giving me multiple signals that it's uh out of batteries if I don't get my wire sorry about that okay err


okay bubble tea is something I like very very much and uh while is not and it's not just the pearls at first it was the pearls I have to admit, but the good thing about it is there's so many different flavors available so I can mix and match and uh try different flavor each time and overtime actually they come out with new flavors and then I just saw something uh yesterday which was ice cream flavor


bubble tea have never bought it but maybe some day I should try cause that's to me quite interesting , and the other thing about bubble bubble tea is it's available almost everywhere in almost there's always bubble tea shop somewhere and ah so you can get anywhere you want to if you at least you like Starbucks also but two problems with !oops! I'm sorry coffee online ah coffee chains


is that they also have lots of branch they have number of branches but eh not so many as for example bubble tea and the cost per drink is much higher, so I phased out my err coffee drinking replace with bubble tea and in fact over after a number of years I got tired of the pearls actually so there are either options you know like jelly or mixed jelly or some


bubble burst thing or whatever is it and also grass jelly so I keep trying all these


ya, the


yes the varieties available are ah ha are a lot as go with time and keeps expanding so uh more temptation to spend money which is not a thing


yes now you can choose sugar level much better yes


, R R and B


we tried the cheese ya I didn't like the cheese they filled with cheese foam they call it I totally didn't like it but uh she liked it so I guess it's a I mean, question of taste what I like you like don't like whatever is it


ah okay okay okay Changi village Changi airport lah correct correct correct sorry I was try to remember I you all remember any shop in Changi ya but true I mean the you buy inside right you normally save that uh GST is waived


but uh also means that you have to been travelling before you can go in there and buy those kind and that kind of discounts so , ya


yes, okay


ya sure


ya I, yes I if I'm not wrong I think certain brands or certain varieties or was it flavors lah sense whatever is it may not be available in shops within singapore itself only available at the airport branch


, true, ya the look and feel you can't yes we do online buying you just you can't redo the look and feel so that's important then


that reduces what things you can buy online unless it's something you buy before they just it's like a repeat order but for first time things but if you even for things like clothes or shoes, some eh sometimes although they is is for a certain size but when you buy find it doesn't really fit although they the online of different brand said is for particular size so for things like that perhaps is best to actually do a fitting lah so call


or else the way to get best of both worlds in a way because usually the online ones are cheaper than buying at a shops here the the one way which is won't say cheating lah maybe one is a clever way it's a foreign context


is to once you decide what you want to buy online go to a shop which sells it tried it on see whether it fits and everything which size you want, and then buy it online and you can be more sure that it'll fit but that unfortunate sometimes also doesn't work because some shops still or whether is clothing or whatever they have different let say factories to make it so it is made in the


let's say the ah factory in, ah Boston, versus the factory in London versus the factory in ah thailand versus the factory in vietnam then it may come out differently in terms sometimes to be different slightly so risk you take lah


yes yes I ah


, ya


right right right is ya, ya for me I don't change so much I mean when from young ah the drink my choice has always been milo and err I'm sure the taste has change over time lah just I haven't noticed


but err I still have it as my standard drink usually and uh I think is quite I think is cheaper than coffee and tea and only thing is it's , a lot of sugar in it which I didn't realise so not so healthy lah so


ya ya got a different varieties now yes which are by the way more expensive ah, they give you less things less sugar but they charge you more, so they are taking advantage of the people who want to have improved their health which I think actually is wrong lah they shouldn't do that but that's just me or else


oh that one can argue for another twenty minutes lah but some truth there but that is not a whole sorry lah I think to me it's just a question of profit maximisation as they say economics I mean much possible as much money as possible but then


all businesses do that it's not restricted just to those sell drinks or whatever so again surprise you have to pay lah if you want to buy their products you have to pay whatever price they ask for, because we can't make it ourselves so no choice we just pay whatever they want and as long as we think is value for money we keep buying it once we decide it's no longer value with money we just change to a different


taste different variety different brand different whatever is it whether it's cosmetics health care lotions coffee tea milo bubble tea and bubble tea now there are some brands which charge so much more than others


so value for money is important


no ya because for me I feel like ya there are a lot of banks but then when you have your account then many banks then it's a bit bothersome so what I like is I like to have my savings, ah in one ah bank uh for example DBS that will be my so called spending account


so I try to spare whatever expenditure I do with that particular account and then and then I try to have another bank account where I have uh more like a savings account I try not to touch that money and just keep it for like a reserve, so but I ya as a ya but I don't look into too much as to like you know what is the rates and everything I try just okay whichever is convenient then I pick that bank because DBS you have a lot of ah ATM all around


so I feel like you know that's a better you know to better to put in there so my say ah my so called spending account is that ya, yup


how about credit cards like I tried to have keep only like one or two credit cards I don't try to have too many because I get too confused especially when it comes to you know


paying up the annual fee and those kind of thing so I tried to stick to only like two credit cards but I think you are the kind who have a lot more credit cards so , so maybe you should say why you have so many credit cards ya


ya


ya but for me like I think it's like a lot to remember too much to remember all these things so I just stick to two cards don't worry about you know what it is


you know what is the rebate or what do you get as long as you know uh I pay you know they waive my annual fee and I'm just fine just using those two cards ya so


okay, , (mmhmm)


, yup


and the the other thing we don't have much joint account right we only have one for the home loan right only the UOB we have just one joint account uh that is mainly for uh home home loan, ah apart from that other accounts are individual and our salary also goes into our individual accounts lah


unless it's uh ya I think for for always I feel like it's better to have our own ah account to spend than joint account only when it is needed right


(mmhmm)


and the high if you look at any high yield err bank account or fixed deposit I don't have much uh fixed deposit accounts I think only things I have is mainly like the multiplier, account and the you know the Citibank err account bear ya you get more interest on your so called uh bank account lah apart from that I had some short term


a fixed deposit and Maybank and everything but then after awhile I think I I it's you know it's just for a short period like one year or something short duration than after that, so right now I don't think I have any uh fixed deposit lah do you have I don't know whether you have


you have perhaps some foreign , you have some foreign currency account so


are they are those better foreign currency


, and just our our children also had some POSB and some bank accounts right


okay, (mmhmm)


, okay but the government government open a account for us right the OCBC something where the when your, child is born they put in some money what is that called


, ya, , so so actually when will they get the ATM card for those accounts will they get sort of after they adult is it


no but it's a it's a joint account right until they they are adults it is the CD it account all is joint account initially, I think it's along with one parent right normally they assign ya it's together it's together with the parent actually ya


, ya and the good thing is like we are


well insured lah all of us right like you me the both the children as well we do have the insurance policies the life the


no we, so you and we we both have the life insurance the critical illness and the health insurance right and the children have life insurance health insurance and also uh I think the girl's endowment fund we have matured already the boy's endowment fund is still happen ya


ya but that we are talking about uh like more than ten years time right but that time I don't know how the cost of living will be and you know we still might have to top up apart from their endowment fund itself


(mmhmm), (mmhmm)


, but talking about shares I like it's the rates are not bad good now right like especially after this COVID period the shares the price of shares all mostly they dip they gone down right ya


ya , ya because I I think we always thought like you know when there's there's no need to sell the share we better keep it only when there's a really a need we can sell the shares right until then we we always try to ya ya


(mmhmm),


so the CPF funds also we can use right for uh some investments and things like that but that whatever returns you get it goes back into the CPF again right it's something like that


(mmhmm)


ya, we will need it later on,


ya that that ya that's good ya we need to keep it for future as well because for our retirement as well we would we would need fund so, uh that's something we need to ya


(mmhmm), ya we will see how it goes yup


part three negative experience ya, so for negative ah experience I think I'll go first please say that uh what I get really annoyed about is when I I'm now in like with this massage is sessions right so I especially I like those which ah the aroma therapy uh massage


so every time when I go to this massage people they do call me they say eh okay do you want to try out this, and when I try out the moment after I finish or sometime even even when they are doing the massage right, they start talking to you you know they start saying like eh are you working you know is this your first time coming for this massage you know you why don't you come more often you know you need to take of yourself once a month you should do massage is good for your body


you know all this lymphatic draining and then you feel like you know you are there to relax but instead they keep talking to you and they don't let you relax then once the massage finishes they'll take you to a room and then they will say how was it and everything, and once you say everything is okay and then after that they will you know


they'll say okay you know if you like it why don't you buy a package you know you buy a package for you know twenty sessions they will start with twenty thirty sessions and they will say each session is only like forty dollars you see normal price is hundred and fifty but we give you as cheap as like forty or fifty dollars leh


but then when you tell them you're not interested in all these packages because you know you've seen so much on the , uh internet on the news that they get the package you know the gym membership also but they take the membership then suddenly you go off and all your money is gone so I don't believe in putting in so much money and keeping it there you see


so that's why I try to tell them that I don't want all this package you know and whenever I want I just come for a massage you know ah it's not like a and time is also an issue especially when you're


ya ya the, they don't call you for appointment anything one then they they force you and they don't let you go unless you buy at least a package of, three sessions so they will talk to you they will go down from thirty then go down to twenty then they go down to you know fifteen at least get ten you know they start very high


then slowly they'll say you know can you go for three sessions and when you say no right they become quite abusive you know they so why you don't have money for even to buy three sessions you know like like a waste of you're wasting my time like that, so then afterwards you you get a bit through you know and then you say okay lah just three session like that lah then after that ya so I feel like that that is what I don't like you know the the pressure to always buy a package then this package thing is everywhere you know even when you go to do your the the nails and everything when you go to do your nails


initially they will say then they will say buy package I'll give you a good price and everything then every time you go they will they will add in, they want they won't sit with that you know it okay I'll do it I do this extra thing so you pay just top up with ten ten dollars I can do this top up another twenty dollars they want you to top up so each which one they go apart from what package you have they want you to top up


so the whole period they are just trying too hard sell so this this thing of hard sell is what I hate when it come so that's why nowadays I don't go to do my nails you know massage the massage also I go once in a while because the moment you go there they they do the hard selling


so that is the annoying thing and err everybody wants your money even you go for a facial they want your money even you go threading they want you to buy a package everything is package deal package deal you know why can't they just have a fixed amount and just let the customer come in as they want


ya, , ya


ya that's ya even even for hair ya even for hair even when you go to straighten your hair colour your hair they want to sell you a package and once you bought the package the next time you go they'll sell you products


so it's like the the business ya it's becoming a hard sell lah so the the fun is gone you know just just go there do your thing so that's that's one of the thing


(mmhmm)


ya, ya and even uh even if it is even if the small insurance plan or anything right they will call you on the phone and say yo you just on the phone you can buy it when but when you want to cancel it right you need to write it


so why is it one way like that everywhere the same even if you you pay something you know they'll keep the money they'll say oh we can't return the cash, our system doesn't let you return and everything said please buy another thing you know it's always one way the taking of the money is easy but returning is a is is a bit of a pain lah and


yes, ya I I ya I have the gold card right the eh gold is a gold card it's a it's considered a very very good plan but still sometime you go see a doctor then they will say oh we only will pay for the consultation the blood test we will not pay


so the blood uh blood test they didn't pay so every time they tried to get away with paying only one part of your bill rather than the whole bill you know, so that's the biggest problem I've had with this insurance plan even you go for dental if it is anything to do with apart from scaling and polishing some little bit of something they'll say oh cannot we can't pay for accessories we can't pay for that you know sometime the uh dental clinic bill they put in a bit small things right


ya so so it's like funny that of course in order to clean and do the uh scaling part they need to add some more, things in it right it's not like so I find it very annoying that, very very hard and especially when it comes to other things like wellness and everything right they did say that we can ah claim even for acupressure and those kind of things but end of the day they don't you know it's very hard to claim some of the things ya


(mmhmm), (mmhmm)


ya, that that's that's true, ya err ya sometimes even when you go to a doctor and if you say for a they you know you put there okay sorry if you say for itch or eczema then they give you a cream and something else and if they given another headache medicine or something they will say we won't pay for the headache


because you went for eczema and we will only pay for the drugs which are related to the eczema but what if in in in addition to eczema you had a headache, so ya a lot of loopholes lah that's something ah the ya they know how to


ya the , you know we we used to go out and ah eat you know previously right in different places now I think the food has become quite expensive you know, even we go go out and you know dine in now it like err vegetarian places also ya the food food is becoming expensive the quality is not as that as great as it used to be lah


right now we don't we we normally tried to, cook you know cook and eat at home because it's more healthy and everything but once in a while we try to go out and eat and even I think little india, last time the race course road used to have very good quality ah restaurants and food but now not not that great right although is to do with the chef or is to do with the cuisine itself but we have tried a few but we didn't we didn't kind of


uh like the taste of the food that much,


the quantity the quality everything changed also it became ah ya funny that the place look nice but the quality of the food all dropped ya and last time the thai express food used to be really nice


but I feel like that also the quality really drop the initially when they came I think they had the chef from err thailand or what but the quality the green curry everything was very very nice, later on I think the green curry was just a mix which they they got from the freezer and make and things like that the the the taste really went off the the food wasn't that great so basically I used to go to thai express mainly only for the dessert because I felt the dessert was still okay


but the main course like the the the green curry the the very rich and very uh natural kind of flavor right was all gone, then they said that they are they distributed that means they are they're not even making the the paste in in in in you know in the restaurant instead they get it from some distributor and they they make it so that's why I think the quality slowly slowly went down


ya and since we like thai food so much we always try to look for the authentic taste right ya because if the flavors are not there then you know ah ah thai food doesn't taste so well


but now we can we can Dabao ya we can always buy back our food and everything ya,


uh ya, true true


, but, ya but also also the the you know buy often also it can become a bit expensive lah ya that's true right right remember that day we went to the hawker stall and bought each of our food cost around five dollar fifty cent per person right ya


which normally hawker stall normal normally will ah previously we used to get it for three dollar fifty cent like that but now it's like five fifty and you know


part two positive experience, ya , okay so for do you want me to go first or you want to go first can you start about bubble tea finish ah I go first okay ya


ya for me it's more about ah ah the house itself what is what is very interesting and you know what what is it which I'm using a lot and what I like the most so if you ask about it I like my , the the beds the best uh the bed that we bought for the house during our renovation I feel that is really good and that that experience was good in the sense like uh I feel like beds is what I have maximum use for you know


storing all the things under the bed and always when I was thinking of getting a storage bed I didn't want to get it because it's always stuck you see so you can't ah clean it under you know you can't lift up and clean so always I was a bit worried about not getting , storage bed which is you know you can't clean under so then that's why when we went for the you know show roadshow and then we saw uh storage bed that you know you can remove the bottom the the the you know the


layer underneath ah the base ya the base and then you can clean up with your this oneuh what do you call it , you can you can clean it well lah using your vacuum vacuum cleaner so then I felt like okay that that should be uh good so now it's it's nice that for for the girl you know she can put her things you know instead of storing it somewhere else she can put her storage things into her room


itself and ah our son also has put all his things under his bed and we have put a lot of our things also so in that way I think a lot of storage space has been you know, ah storage things have been taken care of so I feel like those are the good good purchase lah so err and the person who help us to get the lady also was very nice you know we got to give her ah whatsapp number


uh and then we know sleep sleepnetics is it sleep ya so she gave her number and then every time she asked us whether we are okay with the beds and how was it it and you know, those kind of things we went the matter once also to choose the colour and things like that so I think ya the customer service also is quite good


and the product also and it's the the good thing is it's a singapore made product, and uh ya was it wasn't , she was quite, helpful also ya


, , (mmhmm)


they like the european and the US beds and bed frames and things like that but but , but in functional lah basically those very functional so that is what we ah like about it ya and then err and another positive experience if I have to talk is I like the I like to grow plants right so it's always is being a bit of an issue when growing plants in our house


mainly because of the area we have live in a HDB and in our we we put we didn't do, put some plants and potted plants and everything but never really like you know it didn't it didn't grow well because of lack of sunlight so that's why when I saw this hydroponics thing


so I I I really like the idea of it because there's like twenty seven, plants that you can growing up in one set of hydroponics chamber you see, that was quite nice, err so the experience was good err very positive in the sense the buyer is you know the the seller actually is very good you know very like a family business so we can go there we went quite a bit right we went


more than two or three times to look at the system to buy the system and grow the plants they are you know willing to help and they had a very good website you know like like Facebook, where all the customers are there reviewing the products and, and giving tips on how to you know grow the plant and how to especially from the sapling to the plants to grow it like that it was a was quite good ya ya in that way I feel like but only problem ah now I feel is like it's to do with the sunlight


remember we went to met the seller and uhuh spoke to her to say like why one side of the plants grow well but the other side is not growing so well because still it's a problem of the sunlight, so that's why remember she suggested we need to get a lighting system ah ya so so that's that's the next thing so once we get the lighting system I think the plants will you know grow well and everything and


overall we have I been quite satisfied lah because anytime ah ya when the pump spoils or anything she immediately send some pump and ah very you know can very contact~able easily approachable the the ya so that's why these these two are like my very good positive experiences lah ya quite nice


no the the the ya the reason we also renovated our house is to have, more forced place and not to have you know to remove a lot of junk out of the house and keep it, a bit more you know neater cleaner you know enjoy the house rather than storing more things lah so we should still stick to only that as a storage place and not increase our things lah but still we are


ya but slowly slowly we are buying ya we are we are buy, yup true true that's that's true ya I feel like these are the good buys lah basically, ya ya ya


ya so your bubble tea are you going to talk about your bubble tea I think you can,


how long is it ah ten years ah, a long long time !huh!


five years only I feel like it's longer than that


ya but, ya


I but ah I don't know but for me I feel like I prefer to change my phone every two years because once you renew your contract you get some perks as well like you know ah free six months worth of a


ya six ya six months worth of call time and those kind of things ya so and you get a you know new phone also I I feel like most of them prefer to change their phone but ah I'm ya I'm glad that you like your Iphone ya


hello are you there, ya


ya so, so I feel ya not not many people tend to


am I I I like I I like the bubble burst you know this especially the lychee burst and the


the uh you know uh the mango burst ya those things are very nice because it just burst in your mouth and ya that's that's really nice I like those and uh and now you do have all the teas as well the signature tea, ah you know the fruit tea you know girl introduce us to the fruit tea and ya those those are those are very nice as well


, no but but now they they are they are try to make it healthy right because now they also like have twenty five percent sugar less sweet


ya previously the the initially when we had those bubble tea was so sweet my goodness it's almost the calories where three hundred over something was scared to have one bubble tea you know like too too rich also because it's fattening as well because they put that milk powder and everything right but nowadays it's better it's more like


you know the healthier version of bubble tea is what we are having, err they are making it the more uh healthy by giving all this uh tea uh less sugar and yup, so so it's more flavors lah and different now you have those teas ones also which is really ah tasty as well


remember we are having those cheese Liho or something has uh cheese in it ya, Liho is there then there's there's another shop the girl goes R and what R and something ya R and B ya has the grape one


the grape one with the cheese ah !wah! very yummy very nice ya, , what


and the the avocado one that also I'll


I like ya the avocado and cheese one as well but overall good lah bubble tea ah gives you more options more variety and everything so once in a while it's it's good to but we in our house we only have like once in awhile but but we are very happy to ya


ya yup, and what else, ah personal care cosmetics if you'd you, if you talk if you talk about ah ah personal care and things I do like ah those you know previously when I used to go through Changi I used to like the fact that you know you get a lot of


yup yup the the the thing is not going on, the the ah the number is not going on is six fifty eight it's not it's not ah okay now it's going okay so Changi when you go through Changi right you have this cosmetics and thing


so buying buying things from there was was really good because you know the uh it's tax free and you know the you you know you get things much cheaper than that but then you get in the city, ah the Changi ah ya Changi airport oh sorry airport


yup ,


yup and but but the products all quite nice lah especially when the the perfume the smell is so good you always feel like buying something so I like a few while I like the Clarins I feel like the Clarins brand is really good you know you you it's it's it's it's kind of


uh worth the money uh because it's it's it's long lasting the fact is like it's very good product and also long lasting if you buy anything right it can easily last for three to six months unlike the other milder one sometimes I feel the korean ah once a more like water base and it's milder and it's for a shorter duration but Clarins brand I really like


and I feel like things move a bit faster when it is in the airport that you know the perfumes and cosmetics right ya it moves faster so they have things which are you know like very err not not too old lah basically their shelf life is quite long as well, uh so so buying in a airport this is uh something I enjoy and I really missed ah actually nowadays ya after this COVID feel it like you know not able to buy both personal care and cosmetics and the


ya the limited limited edition month the travel edition month those kind of things


ya but now I think you still can do Ishop Changi lah but still buying it online and buying it when you're you know err travelling is a bit different lah ya but I did I did buy a few things in Ishop Changi as well


ya but but ya the the feel is different when you really look and see browse and you know do the tester, the


okay, ya ya another one you can you what you like I know is like the milo also you you've always like milo more than any other drink right


unlike me I tried all kind of coffees I love coffee I'm I'm I you know I I like buying those three in one coffees and my favourite are those, ah three in one and I like this , super brand the the coffee ah because I feel like their coffee taste is really rich and nice so for me the coffee uh when I have my coffee in the morning has to be uh you know the the flavor should be there but some coffee which I have tried are a bit you know it's it's a bit diluted


but the super brand coffee is really nice and three in one I like because somehow I don't know why if I buy the nescafe and I try on my own, I can't get the consistency and everything correct so that's why I try to buy this super brand three in one coffee which I really like ya I tried to go out of it but every time I went back to the same brand I feel like ya their coffees are really nice ya


milo is the


ya but that , but now they have all this milo you know Gao milo low sugar milo ah more the healthy healthy versions now lah ya


(mmhmm), no I I I think it's to do with the processing you see doing the general one full with full you know everything in is the regular one but when they're doing the one without the sugar everything they do in low quantity once they do in low quantity they they the price will goes up demand and supply kind of thing lah


part one finance topic uh, uh okay for savings account I have two account one is basically for like salary you know everyday in and out usage and then like one is for me to just


keep my money so like just in case if I don't have, enough money in like you know the everyday account I need to use the money from the savings account I will just like use it from there


basically I don't want to put all my money on, investments or insurance because you know we need cash flow as well


uh for everyday use so that's, basically for me and because also you know the saving accounts the rates uh insurance rates in the banks are not so much so you can't really earn much money from there uh this is just like for my opinion uh


I'm not sure about sarah maybe sorry again say more about it


it's the same thing lah like when I receive my salary like I'll put aside a little bit of money for my savings uh you know just in case for rainy days sometimes and also, I do have a fixed deposit account as well uh


just so that I won't touch the money at all just in case, you know like sometimes even I have a savings account but you know on like rainy days or okay this month I I need the cash lah I will still take out the money from that that savings account itself ya


ya, I do have credit cards uh but I don't really like to use it because like there was one time where I went travelling and I forgot to pay for the debt it was over the due date


so I I had to pay for the fine so called the late fee but I was lucky that it was only like one or two days late so I managed to get it waived offed, so I only use uh credit cards if I need to pay for big purchases


or if I go travelling, but other than that I try not to use I prefer to use uh debit card because it's being card like immediately but I know like why people like to use credit cards is because they earn points so from that point sometimes like they can you know use the


points to waive off some of the credit card bills or like they can purchase like things with discount but just for me my own thing is there's I'm afraid of the due date that sometimes, would incur me with the late fee


, that's true ya so basically that's it lah like uh recently I you know like sarah say like sometime people stop you so


I did fall into one of the things and I managed to sign with one of the banks but I never used any of the cards , so basically they send me a letter asking me to pay for the annual fee which cost like hundred plus which I don't find it any worth for me to pay because I'm not using any of the cards so


I cancelled everything because I didn't want to pay for the annual fee and I I didn't know that I had this another account that was open with the bank it's a different thing from a


credit card you know if you don't have money it's like a loan kind of thing so even that I have to pay for the annual fee so, again I had to cancel it so I for me personally credit cards are not useful to me


because I don't really use it and I don't want to waste my money on paying annual fees as well which can cost like sometimes more than what I've used for the credit card itself so I will end up like cancelling it and you know using more of my debit card than the credit cards


ya that's true, all depends lah like if you know how to control yourself then it's okay but if not I think is just an incurring of more debts for yourself because you know you are spending more than what you earn basically ya


ya true true true uh it depends on people, as well then about having a joint account uh with my partner I'm okay with it uh if it's uh


something that we will do together like maybe, for the our house expenses or something like that but I still believe in having my own uh savings account uh, because I think you know nowadays in the modern world it's always


good to have your own savings account and just because you have a partner doesn't mean like you need to be saving like everything with your partner as well like you need to have your own cash flow, but of course things that you do together for the houses and things like that like maybe your monthly expenses or maybe something that you want to do in the future with your family I'm okay with that joint account


yes I think it's like, but when I think should I have a partner in the future and I want to have a joint account I would want to take the feature where like both of us need to sign


in order to take out any money it's like not either one one party sign and then okay it's okay can take it out like both of us need to be like there uh okay then we can use it then we can take it out


uh ya it it's like it's I'm not sure about that but I know like there are some joint accounts that you know you have the options of like either one party okay it's fine or I used to have one with my mum


uh when I was younger and maybe because it's a young kind of thing only my mum is allowed to take it out, ya I am not even though actually the the account is for me is a joint account with me and my mum


but it doesn't allow , me to actually take it out only my mum so I think that's a feature where like banks do allow like joint accounts to have, both parties to agree to take out and then it's okay where else like or the option of like okay either all of the party is fine you can just go one of you with the name and go and then bring it out but I think for me I would personally want both of us


you know sometimes it it's it's more for the safety issues I think


ya ya, that's true like I I also have a car loan, from a bank so the like, I understand so one time because it was my first time like having a loan on my own name so actually the first time I forgot the due date for the payment


so the bank called we, saying that, uh okay you are late on your payment uh then say I'm uh luckily I they called me one day after the due date so I managed to pay and there was no late fee, uh so they actually encouraged me to do GIRO but I didn't want it because I want the control for myself like sometimes you know like you say in the first place like your in and out sometimes you don't have enough money for the month you might need to top up


from your other account, so that was why I didn't wanna use GIRO and ya, ya it's an auto deduction so it's like you know sometimes you don't have enough money on your in and out account


that you might need to top up from other accounts you know so but, the because it was my first loan so and they called me saying I was late so I was like very scared,


coincide ya, it


yes


yes yes


yes true true like I do have insurance that I have to pay as well every month like the health insurance like riders and also like for my like you know just in case you know you never know in the feature that you might have, you know like some illnesses serious illnesses major illnesses that covers me and so in case if I do have


that major illnesses that these insurance can help out uh my family to pay for my medical expenses and things like that so, there's so much things to like put aside you know ya


yes, ya, yes


ya true like I do pay a premium so that should I ever want to use like for private hospitals or like the higher classes they will help me to pay for the things but of course now


it's something I have to pay a little bit more to top it up basically and I do have something that also covers my major illnesses, but that one is tie in with investments as well so like if it's enough to cover and then uh they will use the balance to play with stocks basically so that


yes ya that's true


part three negative experience, uh okay I have one negative experience uh whereby before I wear my Hijab I had hair


hair problem because due to stress so there was a big patch so I went to this hair salon basically, uh so I sign up for a package uh for few sessions that cost quite a lot


uh but I did the products actually work it made my hair grow and everything like that but I didn't like the service because every time I go there I was so stressful, because like I've already paid this amount for this package but they keep hard selling their other products like shampoos you know their conditionersuh and also they have other they sell other things you know as well like


uh clothes you know and you know they keep trying to hard sell hard sell hard sell so every time I I go there I mean I went to finish the package because I just wanted to make my money worth, but every time I go there it was just so stressful for me because like I always have to spend


more money I end up like spending more money instead because I've already paid for the package so, truth be told I don't once I go in I don't have to really like spend any more money right but because of sometime they hard sell hard sell you know like sometimes you get then the first few times you were okay it's interesting you will buy but after awhile it just like


stressful for me very stressful for me, because the of the hard selling which I I really didn't like it so now I've changed uh to a new hair salon which is better there's no hard selling you know that kind of thing, so that for me that was really a negative experience so most probably I wouldn't go back there and I find that even like just the normal hair cut you know and and things like that the treatment is expensive as well


uh compared to the current hair salon that I've went through I, think because it's like you know sometimes your products can be good but you know your services can be you know very lousy and it just like doesn't make me want to go there again ya it doesn't make me want to go back there again ya it's like


you know you keep spending more money than you should and like hard sell hard sell hard sell so, this is more of the owner but if it's just the workers they're fine but if the owners are there you know and I go this with our friend


one of our friend so both of us now don't go there anymore already because of their hard selling you know like oh this is good this is good you know you should buy it then you end up, buying one more you know you end up buying one more you know like like that time we have like twelve twelve like twelve sessions so like you know you just end up like for the whole year you just spend more money than anything like that cause you just go there like once a month


, ya but I'm ya


ya that's true for one thing when you talk about their hair stylists right the one that I had the negative experience with


uh the one, because I understand that the owner wants to provide experience for the young ones but the problem is you know sometime they don't have experience and you know like


our hair is our crown so at that point of time I wasn't wearing a Hijab, so I had this bad feeling where that it's a bad haircut because like because the experience the the hair stylist was an an inexperienced one so she just finished the course


and like they make like the owner make her cut the hair so I didn't like my haircut, and you know like a haircut is because I was signing up for the hair treatment and the scalp treatment and not exactly for the hair cut so I had to pay for the haircut the additional haircut which actually and and like I said this hair salon


it's more expensive than the hair salon that I'm currently going so I find it is not worth my money, like for paying that amount of money but I'm having an inexperienced hair stylists to cut me which results in me not liking my hair cut you see what I mean and I had to go for another haircut just to


you know to make sure that the new haircut is nice and I'm comfortable with it, so I find it like it's not worth my money lah basically to pay for the amount of money for an inexperienced uh hair stylist you know even if you know you want to I understand that you want to give more experience to this young hairstylist


but you know you shouldn't charge that amount of money, and it's unsatisfactory for like you know customers like us, you know I mean especially I can actually you understand lah the you know your hair is your crown so basically


this hair salon I've really had a very negative first is the hard selling that inexperience hair stylist you know what I mean ya


uh, once I went once and I had uh dinner


so it was you know now with all the new restrictions and things like that so , I can understand but, I don't see there's not many people but I don't understand why the food was being out for so long you know there wasn't so many orders but I had to wait for my food for actually a very long time


so I if if it were there was a crowd I can understand but there was no crowd you see so I didn't understand why was taking like, too long for the food


of course I was like you know hungry person you know is an angry person so I was getting a bit angry there, so, I did I did ask


ya expensive


that's true , to me dining experience is more like services lah basically so far the tastes that I go to is okay it's just the services


ya


true true that's true


uh one the internet obviously the whole singapore shutdown okay I cannot say anything but recently uh there was a shutdown for one whole day, at my house so I've been calling the telco which is Starhub so if like some of the of course I talk to a few people


so the few people was okay except for this one particular person that she got irritated with me obviously I've tried everything that she said and you know, uh it didn't work it still didn't work, uh so apparently there was something wrong with the adaptor you know which we didn't know


that it was the adaptor she didn't say then she got irritated so they said that they will send somebody but you know like I I can understand their frustrations like you don't you're not talking face to face you're talking on the phone and sometimes I might do things wrongly but I've done everything


that you have told me to do so and it still doesn't work so how like I don't appreciate it that she got irritated with me and I don't appreciate the tone that she gave me, so obviously I was a bit angry there so I did like raise my voice a bit I mean I don't like it I can understand customer service is it's not something simple that you want to do but you know when you give me that attitude obviously I will have to give you that attitude as well


that's for me ya, yes as much as you say ya don't don't you know like don't misuse our staff in know you're misusing your own customers you know the customers react that like for me you react that way to me then of course I will react that way to you


to me this kind of negative experience for me is basically more, on people rather than the product itself, for me ya


ya yes like I mean I'm not say I'm not a perfect person but, you know like I try to be polite cause to you because I understand customer service can be very tiring but when you are rude of course I have to be rude back to you you know what I mean


yes, that's true that's true


true true


ya true


part two positive experience


okay what, ,


for me I love my uh therapy, I think that was something that I spend my money I mean it cost a lot definitely but uh it was very worth while because I used to have frequent headaches uh neck


pains and things like that so now it's getting better like the first time when I came I had to go there for twice a week, and now I'm just going for once a month just for maintenance, so it's more for me my health you know like sarah say as we grow older you know our body part start to your know breakdown and things like that so this is part for me to maintain uh my health and


not only it helps me my body and now I don't really have headaches every day or, one of the reasons why I crave for sugar is actually because of, my body that's that's why one of the reasons why I really put on weight as well, because I really crave for you know uh sweet stuff sugary stuff so now even though I do crave for it sometimes you know sometimes we do get stressed and things like that so


uh so when I'm really stress or I'm tired I still do crave for it because it's more of a maintenance the your condition is already there is just for you to maintain that condition that, I already have at ya so it and it's been helping lah so basically I have been uh going for it for about two years already


and it's helping ya sorry, I will still go for sugar my sweet drinks my bubble tea all this lah basically and why I continue as well at that place is because I love the doctors and the nurses they are very friendly and I think this plays a part as well


and they don't hard sell their things even though they do like you know they have like all the things for you to do it like their gel their medicine like all this kind of thing but they don't , hard sell it basically


unlike like some ya unlike some some people, yes genuine service and it does help you see with my body like, you know your spine start to hurt your neck starts to hurt you know especially sitting like being a office worker you know you are sitting down you know actually people say that you know oh you're just sitting down but actually that is one of the worst


career or that you can ever have, because of your posture basically ya actually you understand right


okay I love Liho winter melon milk tea that that is like


my go to dream, I don't


ice tea ya I mean I like the milk, the milk uh the winter melon tea is okay but it's a bit tad too sweet for me so I love uh the winter melon milk tea where it's added so it's like less sweet and I love it with my bubble tea of uh my pearl black pearl


because I think Liho has like one of the soft pearls like some other bubble tea shops sometime the pearls are a bit hard for me, ya so I don't really like like it but for Liho I love because it's chewy it's soft


and you know I don't know, as we grow older I guess we like things that older people like


I think it depends lah ya


uh ya, okay one of the reason why I like my winter melon milk tea is because you don't need to choose the percentage of your sugar so it's automatic


like okay I think is hundred percent you you cannot choose so it it makes things easier like sometime you know I'm fickle minded like do I want fifty percent today do I want seventy percent today do I want hundred percent today the I will never take zero percent definitely, but you know it's it's usually between fifty seventy or hundred percent so for winter melon milk tea it you know I don't need to be fickle


and you know okay you just take, like okay you give me the drink, like that's it so it's nice,


ya cause I think I think I understand why it sometimes like depends like chewy soft you know we've tried like, we as friends we tried so many different especially when we see new ones but we stick with these things is because like you know the pearls are better


sometimes even the service that given at the counter are friendlier than some you know what I mean ya


for me


so far, yes so far I've been following my contract lah I will change it every two years


uh I don't really change my phone like frequently or I cause I think I've been with one brand which is Samsung I love Samsung cause I I think I'm a, uh because its android basically so it's easier it's easier for me to manipulate or like use it's more user friendly than to me Apple


personally my own opinion so for me I am Apple idiot I don't know, because like sometimes even you want to put in things you have to go to the Itunes and things like that like you know if I use android it's much easier I can just like plug in like a normal USB in my computer and I can just transfer it to my


ya it's drag and drop rather than okay I have to go through Itunes and then you know put it in my Apple but even though I think Apple has better security is it but I still like for me it's not as user friendly


as android phones basically so I do prefer android phones and I've been using like android phones since for so long


that's true ya but basically for me I'm an android lover because of the more of the user friendly things you know like it's a drag and drop rather than you have to go open so many accounts and you know just to download one thing basically


yes that's true, uh for me no because I've been going yes this is very long I've been uh ever since I started to work which was about eight years ago


uh I've been going to dermatologist so I been I been continuing with that product until today and it's it's been working for me, so I just continue I mean like most people breakouts right actually ever since I when I was working from home that was when it was breaking out now that I've started to go out back to the office it my skin is getting better actually


uh no no I think it's because like when I was at home right I was just too lazy to you know I'm at home so I'm too lazy so I my routine kind of change so now it's back to having a routine and the product actually really work


basically for me so I've been using it for eight years I been going to the same even though I don't really see the doctor, anymore because like my skin is okay but I've I've been continuing to buy the products because number one I find that you know those good products outside are actually expensive


and I I find that the one the the the the dermatologist sell is actually uh sometimes is a bit cheaper or about the same and it card it can last you like for months you don't have to buy it like every month you know that kind of thing


ya so it's not so bad ya, affordability and it works for me and the doctor to me is good also if there's any problem I can just go and the doctor will already know my condition


ya, yes


(uh) ya true true okay


part one finance topic


ya say uh actually I have also two accounts ah uh from various uh banks also but because I had the other account just because I had to, uh have a school loan so and then from there I just carry on lah that one would be my kind of like supposedly my own fixed deposit I mean fixed uh savings ah hopefully but then uh that one is actually a constant kind of a cash flow so uh


besides that is my own savings account lah same like uh Hidani you know like when a salary comes in so that one is like always in and out uh and then always uh there's always a debit debit rather than a credit credit is always like every month, credit only once which is the salary but other than that most of the time throughout the whole month will be a debit debit uh everything will come out withdraw uh cash withdraw rather than credit but credit is like uh besides my uh regular work


so I have the you right Hidani my tuition so that one will be my uh in and out in and out cash lah uh besides that so uh the particular other savings uh the one I say about uh when I used for my education loan


uh I try to make it fixed so that one would be my particular saving so any aside from I want to put aside uh from my personal account right then I will transfer to that particular savings account lah so what about you


okay


take out what to do as long as long as long as we know how to control lah that's the thing no but then uh what about eh do you have any credit card ah, [orh]


, right, same, yes


yes, ya true because uh I been really tempted to get credit cards especially when you walk along the way right and then people will just uh kind of tempt you to


uh apply for some credit card because based on they will ask about based on your salary you know you can actually get this much uh amount of money so it's very tempting I know is very useful if it will be very useful when you go travelling, because uh ya because like what my brother always uh tell me that uh if let's say you don't have enough cash in your account at that moment then if you use credit card then at least you can afford to actually you know buy that particular product


ya because sometimes when you travel right you travel very far then, you you don't get the chance to actually buy don't get the chance to actually buy that thing if you miss that particular opportunity lah, so but then I know but luckily I'm very grateful that uh there's such thing as debit card cause I will try my best to actually save uh and only pay uh only pay for the amount or whatever product


based on what I have so I won't have to resort to credit card lah but I think nowadays with the paywave system, in singapore uh wireless right contactless kind of uh payment uh so


I think is very convenient ah very very convenient because even to get uh a fast food meal we can buy just paywave right I think it's just very very convenient in our life ah daily life at the moment true right,


ya true because what I get uh from past experiences from other people also like if they really really like overlook on the the term that they need to pay at that particular time, the the the the the burden of to pay that much amount that you already owe is already uh very negative


uh kind of sign that uh you gonna lose much more money even for your for that particular expense in uh that particular month lah let me just share with you okay it's good to actually have some knowledge of uh, how to use credit card and how much to pay or when to pay because if you're not aware of this kind of things I think you take it very likely that you will


pay that the minimal amount for that credit card, but then you will end up later the the interest will be the huge uh part will be like very pain for you to actually uh go through and pay for it ah for the upcoming, I don't know uh payment right because I remember last time when want to go travel I didn't even know much about credit card and then my my lecturer and myself we went touh place at uh


uh I I'm not sure I forgot already but then the hotel ask for the credit card and then we didn't bring any credit card, we have only debit card apparently that hotel didn't accept that debit card uh cannot accept but luckily they can only they can accept that amount of cash so ah fortunately ya we can actually still stay there lah for that particular night ah so sometimes it can be a good use


but uh but I like I said I'm just grateful that to have a debit card ah now the the I mean like the flexibility of having this debit card ah, , uh


(mmhmm) , ya ya like I said lah the thought of the thought of how uh the the salesperson try to actually uh persuade people to get the credit card is very very tempting actually so


like I said you just need to know the knowledge once you are familiar with how the thing works and then you just know how to control yourself I think it is okay to have a credit card lah but like I said for me uh I I'm not ready ah


ya uh quite true because uh just uh an example, of a joint account I mean for us uh singles we haven't yet to decide lah whether to have a joint account but then ah only recently that uh only we have that thought of like uh having my my mom and I to have a joint account but then


uh my brother was saying that uh why because later later we don't know right in future there's we don't know what's going to happen, so the uncertainty because uh we all are growing old so it's hard to actually to I for me I think I don't know ah it's just hard the process to actually split or what to at the end of the process


then it will be tough so that's why might as well just have your own personal account ah then the joint say I I know from experience is like my my eldest brother she uh he and uh the my sister-in-law they have a joint account because of like anything they want to spend on my niece ah


so if uh when I have when I tutor niece so basically so, uh they will actually come out the expense from that particular joint account so in a way the goal of that joint account is whatever they they have in mind for their family lah so, that particular account uh anything got to do with uh household or their child ah they would take out from that particular joint account I think that is a good idea but then like what


uh Hidani mention so it's like uh it's also good to have your own account lah just for safe sake ah in a way


so is it is it like a a a one time uh one time pass code say so when one


okay (mmhmm), oh guardian lah


true ah ya I would agree for the safety issues because after my first ah education loan then I I took another education loan because to pursue my studies then I have this joint account with my brother and my brother is the guarantor so I think is a is a good uh kind of


uh it's just a guaranteed kind of uh in case just in case if I'm unable to actually payout for that particular month's uh fees right I mean loan uh fee so, uh just in case so that particular joint uh bank account uh holder can actually help to uh cover that particular payment lah so in a way so uh I mean it it works in all all I don't know uh any intentions of that particular having of that particular joint account ah quite true right


okay


ah, okay auto GIRO is like a auto deduct kind of amount right ya,


correct ya, ya no actually uh it's okay ah because I think everybody will go through that once in a while I mean everybody's not perfect right


uh we can't really actually remember every accounts that we have that uh that is not automatically deduct the amount that you have actually subscribe lah so in a way so basically just like my education loan lah because sometimes seriously the date that we are given to actually pay sometimes, it doesn't really tally with what yes coincide correct coincide with what we when we receive our salary so basically we uh in a way too bad lah too bad we have to actually uh kind of I don't know I know there's a penalty fee right late penalty fee so but uh


ya but uh hope ya in a way sometimes you need to how uh learn how to manage your kind of expenses lah so you know that this particular in a way ya indeed you have to be independent in uh managing your uh how are your expenses ah so basically you need to plan out


so if your pay is coming this way ah so how much you want to to really put aside so this is when uh your savings account actually plays a part lah you know the the uh uh the so called the, fixed the inverted commerce fixed deposit account works ah so that one is just to help you in case of like a rainy day then you have to pay for your particular loan to avoid the penalty


ya, ya, yes, correct just like just like what all the agents the insurance agents like to say lah ah touch wood lah touch wood every time they say touch wood lah just touch wood in case of any such injuries or critical illness that you face then


uh hopefully the insurance will actually help to cover uh whenever the bill of the medical the hospital bill come in lah because I know ah in singapore especially the hospital bill is not cheap lah , so uh it's good to have uh it's good to have a coverage of like a premium a good I mean I know you have to pay a premium of your insurance that it depends on the particular percentage that it will cover how many percent


of that particular payment and then how much you have to come out in cash or then what uh whatever percentage of that particular premium that you paid for uh will cover that particular uh uh uh if bill lah for that particular uh uh injury in a way or ya something like that correct right


, ya I mean besides the the insurance uh also the health insurance part of the CPF sometimes the agents will ask uh whether you top up


uh your you have upgraded your CPF health insurance so sometimes , ya a lot of companies has been going around and asking people if they have a upgraded so meaning in a way so hopefully that you you are able to actually cover the amount that uh touch wood again if uh anything should happen lah when you need to use up the hospital I mean the insurance money ya


(mmhmm) [eh]


part three negative experience


(mmhmm)


right


(mmhmm), ya


, uh


yes spoils the whole ya, correct ya (mmhmm)


quite ya it's just like a ya lah instalment ah in a way you are paying more than when you had to pay like at one time ya correct because for me when you talk about hair salon right yes uh


I am still I mean I right now I actually uh the service that uh uh to the recent hair salon that I went it's so far okay lah unlike, uh previously uh the kind of uh service by the hair stylist


because uh I I the the way they actually treat you uh when they are cutting the uh particular uh when they are cutting the hair right so basically sometimes the, uh the actions or the in a way body language


the way when they cut right I I don't see many that at that time not many customers were there so you are the actually the only customer at that moment then how can you actually provide those kind of service, uh those kind of like a you're showing to me that particular body gesture I mean your body language ah in a way uh to say that it's a tough uh kind of


uh hair to actually deal with at that particular moment so if you you show that kind of body language I I I as a customer ah I don't feel already like, uh !hey! this is my hair you know like uh you shouldn't be showing that kind of uh uh kind of uh actions I mean you should actually it's good to actually give a a proper advice


uh or like any tips to look after rather than you are showing like you sigh then you are tired then ah that is not a proper kind of a service that I would expect from uh that particular hair stylist lah in a way so that was like


not a really good uh experience uh throughout because I even though that place is like, uh cheap lah it's cheap it's cheap I know because sometimes people say like okay uh you pay for what uh you get for what you pay ah but then uh


but like I said you are the only customers so why don't you just uh actually help to provide the particular service for you know you can actually be a, a a regular patron you see so if you you once you give that kind of bad uh first impression in a way because you are you are uh you know the first


particular salon that I visit right you give that kind of first bad first impression so it's like okay no go for you already lah so you choose other elsewhere to actually try to look for you know something like that


, oh okay, yes, ya


(mmhmm), ya, I see I see


ya, (mmhmm), ya, ya


(mmhmm), ya, ya, eh besides you're going for hair salon ah uh I mean nowadays I mean we can all go out to eat uh I mean to eat out lah in a way so uh do you have any negative experience or not


ah ya,


okay, , alright


oh, ya ya okay ya I mean , when you talk about ya correct when you talk about this uh dinner I suddenly recall lah ya yes I had a I mean it's not totally about the service of the particular dining experience because this one


ah it was I think I wanted to actually treat my family for my birthday dinner so I really wanted to eat chili crab, uh and ah it was for me would say a bad experience in a way that is a whereby it's a learning point lah it's a learning point for me because


uh the price I didn't I okay it was my first time uh paying for that particular crab, uh chili crab so I thought okay from previous uh experiences of like going to Batam ah the golden prawn right the golden prawn I thought uh when my uncle bought the crabs is it goes by


how many small crabs ah how many small crabs which is I think about the one point how many kilo ah that one uh it and then it depends on how many kilo that you buy so you were how many crabs that you have lah I thought in that kind of way, so apparently from uh uh this particular uh I think house of uh seafood ah home of seafood home of seafood yes so we went there the taste ah the taste of the food already one is actually not to our taste bud ah in a way okay we all uh prefer spicy


uh we prefer spicy food and the taste must be have that particular authentic asian tastes of that particular dish , so basically the the dishes are are not really in a way we compare because we also like to eat seafood right so there are other shops uh like for example rasa rasa uh uh then or for example uh


because they the taste right you can really compare like uh the cereal prawn and stuff the this one is very bland in a way most of the dishes like uh maybe black pepper something right black pepper beef or what, then it's a bit bland uh is not really up to standard as the other seafood restaurant in a way so bad these particular bad dining experience is like uh basically for me more uh the the highlight ah the highlight of the bad experience for me would be that crab uh because


the server the server didn't really explain well or really how to go about to purchase the crab so it was my first time right so it was my first time so I thought okay when the person say do you want the one point plus kilo or the three kilo so uh


I thought okay lah the big one lah because like how many people are dining right dining in that particular uh dinner session so in a way so I thought like okay take the biggest ah take the biggest so I didn't know that the the biggest crab, so they go by how many kilo of their particular big one whole crab not like how many crab for that particular uh mass weight of uh the particular crab so I really it was uh


it's uh like I said like it's a learning point for me lah so on how to actually purchase crabs next time to really check whether they this three kilo means actually is actually uh that one crab that weigh about uh three kilo or


uh a a a few crabs to sum up three kilo of uh that particular that what you meant lah in a way, so then when the crab came we were like very surprise ah !whoa! this is the crab that you meant, okay that one whole big crab cause we are comparing to other table oh they are the ones with the smaller crab lah so which is the one point plus kilo which is the normal the the crab that I thought that I expected it to be but the it depends on how many


number of crabs right and then would sum up to that particular amount so it wasn't so in a way for me !aiya! so then okay then that is one thing so I I thought okay lah never mind it's my birthday treat right is a birthday treat is okay so but then when it came to the bill so it cames to the bill


so I was really surprised because my first time purchasing the crab so it can cost one whole big crab can cost me about hundred plus so it's like !wow! so it was a it was a quite a, uh I wouldn't say unpleasant experience but


it's uh it's just a learning point for me lah so you learn a lesson so when you so in in a way when you grow old it's not that you're not learning something so you always learn something new so in a way that is why my experience ah of a bad dining experience , yup and correct eh uh ya


, correct true correct ya lah because I think uh like what they say lah a hungry man is a angry man right so if if you don't satisfy the stomach of that hungry man then you'll be having a angry customers ah in a way


correct, ya eh but then uh like I mean before you go back to your office to work already right I know sometimes at working from home ah do you have any problem you know everybody's working from home right and then for sure there will be internet problem how's your internet so far


okay


(mmhmm), yes (mmhmm)


yes every action equals to the reaction so ya true, (mmhmm) yes ya


ya I mean it's quite true ah even though like what you say ah even though is like uh you don't see the face I know people say uh it's it's better to call it's better to call because then sometimes from the voice right you can tell the way they speak


uh whether you you can sense ah you can sense that they are really showing that kind of attitude whether they are agreeing with you or they are just uh whether they are being polite with you or they they are they they feel frustrated of trying to


uh uh correct what we trying to do lah because in a way not everybody knows how to actually deal with connections at home and this product this particular router you have to connect through this cable , not everybody is uh is have the knowledge of these particular terms you see so if let's say they are saying if they are I mean these customer service agents


they they need to also know of people's uh capability of uh you know uh knowing what kind of the uh the items that they described through, the phone you see so because eh and then the way they actually describe or the way they talk you can sense already ah this person is already tired of me ah because I cannot I failed to actually follow the instructions


so in a way it's very important for customer service agent to know how to actually deliver the instructions well and clear lah in a way correct is because ya lah because ya


, their service ah ya but we can't we can't escape what we can't escape because in singapore you know ah we we don't have any natural resources and we bank on services what, (uh huh) yes so ya true (mmhmm)


(mmhmm), ya I mean uh I mean I went through some courses before like a customer service


uh courses and it's quite true lah it's quite true like what they say lah uh you treat customers the way you want to be treated because not all the time that you are like uh the one providing the service but you are I mean you are when you are a customer right so in a way you also cannot be a a very bad customer


to always like scold that particular agent who is trying to help lah so in a way just like what they say lah if you want to have that kind of service, then you treat others well then uh hopefully lah in return that that particular customer service agent will treat you well lah and uh attend to your queries or ya address help address your issue lah in a way


ah ya but then correct lah because I know uh from what my friend told me before I mean her bad experience with Singtel in a way it's like this telco ah once they they have you sign any account right so they just want you to continue with the account you know so if let's say you finished your contract ah they will


charge you, if you don't say anything so uh for sometimes uh you just need to call them up and then check on the status lah in a way other than that you just want to avoid avoid, some miscommunication and say that uh I already finished my contract ah how come you uh still charge me or something like that lah so both parties


(uh) if hopefully [ah] if the other the telco, personnel at least give a heads up, before a customer will call up the particular telco and you know scream [lah] in a way because (ppb) people wouldn't want to be charged [ah] if the contract finish ya


part two positive experience, okay uh he he you know just now I went for another research uh that is on boarding uh and you know what I got


I got a fitness tracker so I'm going to wear this fitness tracker going to wear this fitness tracker for the next two years hopefully I can uh sustain wearing it, ah just to monitor my fitness level not just that but also include uh my particular uh meal logging so meal logging so basically all the food that I intake ah that I consume


uh not daily basis but actually they require a few days within a month, but in that month I have to actually submit ah uh they use a app they use an app for me to actually just log in so I think I just had a a a short experience of like uh uh meal logging just now so is quite user friendly of that particular app


uh the app is uh high SG plus uh by uhI think uh a group of organisation under HPB lah health promotion board, so basically uh it's easy because uh when you change the setting to actually local context right so I thought okay I thought I can actually record the picture that I took uh of that particular food that I eat


so I it's not recording is just for them to actually scan what kind of food that actually I took so they can actually really detect so I took a picture of fried Beehoon lah so it's a homemade fried Beehoon and they can actually tell it is a fried Beehoon so I I


I think is a very uh ninety percent ninety percent accurate uh because uh it it depends on actually also depends on the user uh of that particular app so if let's say you take a picture very close I tried a few times a a few tries, and then uh it will look uh it will not look a fried Beehoon so it will look something else so that's why they detects as something uh some other food


as compared to fried Beehoon so but other than that at least there's a a a a uh there's a particular space for you to actually type manually lah what is the food that you usually take, so I guess that particular this initiative right I think it's a good way for me to actually have a new kind of lifestyle healthy lifestyle


uh which I intend to actually try because you know lah as we all grow older and, it's not phase three yet and we are still I think most of us you know working, from home as a more I think more for me lah not like you right here at least you already went back to your office so I'm still working from home most of the time so we need to actually


uh stay healthy uh like what they say did we even uh I mean uh to follow the health restrictions also I mean safety restrictions outside but at the same time personally we have to actually take care of ourselves, uh in in order to avoid like any uh bad uh bad health lah in a way so it's more just to be healthy and be fitter so to avoid


taking MC ah even though you are working from home so I just hope that I don't take to go out and take MC uh redundantly because working from home is already like uh I don't know lah it's just different different from really going outside to work ah uh so ya what about you


, quite true then uh


okay then, that is good lah then when if you crave for sugar then what do you go for , , okay ya


ya okay then is good lah so in a way it's that genuine genuine servicelah okay , (mmhmm), ya true (mmhmm)


(mmhmm), alright ah correct, ya that's why I say it's uh eh I will try my best even though if you are working from home you are seated down at the in the same particular environment same room it is good to actually uh do some stretches


uh because to avoid a sore sore on your body uh besides that I mean it's also good to actually go out to actually exercise to do some walking lah just walking is already ya good exercise just to be have a healthy mind and body lah


but then like I said just now hit uh when you say you are craving for sugar so uh eh eh which which bubble tea flavour is your favourite bubble tea flavour, okay oh Liho eh same eh same [orh] mine is uh


uh why winter melon ah because you are for me okay Liho same same ya mine Liho is the earl grey uh earl grey milk tea I I I for me I'm a tea person lah I I'm not a coffee person but I'm a tea person so ya


ah, (mmhmm)


alright, (uh huh) oh yes


(mmhmm), my I, I didn't know for me I didn't know about earl grey until uh it came upon me when I was browsing through Shopee


uh so there was this deal of uh buying two for the price of just about two dollars uh in a way so I thought, that one is a value for money ah so it's a really value for money two dollar eh for a bubble for two bubble tea cups sia regular size and then uh when I first tasted earl grey milk tea


uh I bought it for uh actually together for actually the other uh tea was for my niece ah and we enjoyed both enjoy it because (, uh both of us actually enjoy hundred percent sugar level though I know it's uh unhealthy because but then like what my brother said


okay when you drink bubble tea you know it's already a sugar drink then why do you still want to have a zero percent of sugar might as well when you drink it just drink it full , so but then ya correct correct but I know I every time when you drink uh sugar drinks right so I know


that sugar intake will be a lot so uh I always tell like to flush off ah flush off means to drink lots of plain water just to flush that particular sugar level in the way


yes, (uh huh) for me the winter melon right I I don't know but I prefer Gongcha though uh the winter melon the is the very first time I bought from Gongcha was the winter melon with their their


speciality butter, uh topping ah something like that so it that butter kind of like let's I think it most of the time now for all the bubble tea they have this creme brulee right so at that time Gongcha was like have this their own uh signature butter uh as the topping right so it mix well with the winter melon for me uh I thought


but then this earl grey uh is the new competitor ah that uh because somehow they come with the pearl lah is a golden pearl, so which I thought like what you say lah it's like softer right it's not like a normal black pearl but it's the golden pearl that kind of like it blends well with the whole package ah in a way for that particular earl grey milk tea ah some more with the price right okay ah it comes in one whole good deal


(mmhmm), eh is there anything that you buy ah recently that that last a very long time ah


cause like okay ya example handphone ah you know remember last time I don't know ah last time it was uh the prices of handphone uh they are actually like quite uh how to say competitive uh is affordable


last time ah last time last time as in how many years back ah, okay maybe during my during after poly poly days ah because that one you can keep you keep changing phones you know it depends on the right the chip because the models remember the okay ah last time the Nokia model lah okay you have to keep changing it because it's it's quite affordable but right now right I mean


uh as as we all work and then we all know the the the uh how to say the the strain of like uh uh coming out of uh from your ownuh savings right you tend to really uh look after that particular product uh


uh even more so then is like sometimes is good that it can last longer than you expect lah so in a way sometimes you have contract right contract like for example you buy a plan that then last you for two years so so that basically that particular, uh if it can max out until that two years and for you to really wait to get to a new uh to re-contract and get a new phone I think for me is like quite an achievement already lah nowadays ah not to be tempted by all the new models


, ya true, yes


okay , (mmhmm)


yes drag and drop


(mmhmm), yes quite true I'm already uh I really use android most of my time I never tried uh


using Apple phone before because uh or Iphone lah what Apple phone Iphone before because uh I can see the the tediousness of like , uh really setting up all those uh accounts for you to actually have uh all your I don't know ah it's just much more much more easier to navigate through the


uh settings in the android phone to me lah but I been uh actually using uh several various kind of uh brands uh even the flagships brands of like uh maybe Samsung or what I can now I sometimes because based on the price ah based on the price I also tried Xiaomi before I tried


uh I think I tried I don't know but I know I tried Xiaomi before and actually it's not bad leh it's not bad, uh it's like quite true when uh I watch the reviews from online uh just to say that these were value for money Xiaomi is actually value for money but it depends on the particular model that you actually choose


so uh because Samsung I know the, the standard is there okay Samsung the the standard is there eh is actually but is is good to actually once you I mean if you're a android user you can actually try out, other phones as well uh but just to see whether you are familiar with how the layout of the uh they call it the system lah in a way interface yes the interface of that particular brands of that particular android phones then once you're familiar I think more or less it works the same way for android phones as compared to Iphone lah


(mmhmm) true true because like I know we all I know ah if if we are android user we will all keep saying that Iphone uh Apple products are actually selfish because they only uh connect to another Apple product , so they don't don't really entertain other devices like uh other in a way android or any uh brand ah that can transfer files here and there so basically android is just like windows android is like a windows uh is much


uh convenient to actually transfer files in a way or the install install softwares in a way even uh, and basically like for android phones you I know you can actually look out for APKs to download and then uhbesides just downloading from the particular play store lah so it's very very in a way user friendly uh for android lah


then what about your eh I just want to know ah uh do you have problem wearing like ya do you have any skin problem when you wear mask nowadays ah


(mmhmm)


oh so meaning your skin is not allergic to house but , ya okay , alright


okay, right (mmhmm), (mmhmm)


(mmhmm), okay, oh okay you're not okay


oh okay alright, , right okay so at least you in a way you have your own personal uh skin care uh specialist to actually recommend you on the products or how to actually look after your skin lah


cause for me I I did I did share with you right I mean, uh only a few weeks ago I went for facial then went for facial then I thought I thought the products that they actually introduce uh the products that they I I use is basically, uh is brand called DRS I think doctor secret I don't know ah I don't DRS right so I thought it because of that problem right because of that particular product