oh the therapists they're called therapists ya ya so like oh my god, ya and my therapist is super good, !huh!, it's semi-permanent ya, cause they cannot okay I mean like partly they cannot guarantee that it's permanent because if they guarantee that it's permanent then people will come after them if their hair starts growing you know what I mean ya but like my hair does grow but it's a lot lesser and I mean it's super fine like you can't even see it


like I wouldn't mind going out with these kind of things yeah yeah and my therapist is super good like, okay I I understand why they're so expensive and it's because they give really top notch service, so like ya ya their customer service like even during like okay so like when I enter okay before COVID right when I enter they will serve me tea they will like ask whether I want anything then


they will like have couch and everything I mean okay quite basic lah okay but the drink I would think is quite high-end already then they will bring me to the to the room so where I do my IPL and the therapist is super nice like okay you know there are some people who like to


like have someone talking to them constantly like you know in a taxi then you like to have conversations with the taxi driver, I'm that okay I'm that ya I'm that person ya so my therapist, actually like engages in a conversation with me and she doesn't actually like it the somehow the conversation just keeps going and it's flowing supernaturally and like you know on the days when I'm just tired and she knows like she can tell when I'm tired she'll just be like


oh do you have like a long day or have you been having a long week and I'll be like yes I have she's just like why don't you just rest I would just like put on some music for you and then like put up the music a little louder and then you can fall asleep, damn nice don't you think like yeah like okay lah I mean


she's just I think it's just my therapist because like I've went to other branches and like maybe the service is not as great but I would still think their service is really really good, and they don't okay you know this kind of things cause it's like you have to buy packages right so usually they will want to hard sell they will keep pushing you and pushing you especially when you're doing your like IPL or your waxing ya


but she doesn't like okay maybe she will mention it like once or twice she will like oh you know you should do this blah blah blah but like I'll be like oh I don't have if let's say I just say I don't have the money or like uh I'm not very interested cause uh I just want to do this now and she will just okay then she will just stop you know I mean it's okay to just casually mention it but


it's another thing to like keep pushing lah yes and I think they I think strip like really does a good job in that because they don't push at all ya, uh yeah online I mean they engage with a few influencers and I heard actually why I went


to strip the first time was because of my friend's my best friend's sister who used to go for waxing there and then she said that it's really good like especially for indian like hair like the roots are like a lot thicker, uh there's a lot more hair right so if you go to like certain places they're not very like they don't cater very well to like thick hairs and everything so strip does


that very well ya I don't know what they do I don't know what, like formula they're using but they're doing really a really good job when it comes to like non-chinese customers who have like okay not okay I can't really explicitly say non-chinese but like rather people who have thicker hair follicles and a lot of hair on their body ya


obviously yes I recommend my guy friends to go all the time I just tell them to just go just go do it just try once


I mean like it it's up to them whether they want to do whatever part of body that they want but like you know I have friends who I have guy friends who shave their legs or even tried waxing their own legs themselves and they say it's terribly painful


ya but like I mean just go to the professional lah like I don't trust myself to do a whole full leg waxing like with the, you know the the nair strips you can buy from guardian ya I don't think I don't think I can handle that kind of pain ya


I mean ya I would I would kind of recommend my okay I could obviously I'll ask them to go for waxing first


but if they have the they have the money for it then just go for the IPL okay don't engage in their services when it's full priced like I always buy their package when it's like on offer and stuff like that and they have their offers like, like quite like a few months


like, four times a year they will have some like random uh, sales that kind of thing ya so that's when you have to buy the package like I bought my package I've recently bought my underarm package very recently seven sessions I think their usual price is five hundred plus or something


but I bought it for about three hundred I think if I remember correctly yeah so it's pretty good, but if you think about it it's a long term investment


ya it is like I really don't have to spend okay cause, the reason why I went I changed from waxing to IPL was because I spend so much money on waxing like every month you have to do waxing and and full leg waxing is like about maybe sixty seventy dollars


and then after that you ya and then you grow hair in like what two weeks three weeks, and then after that you go waxing again and then it's like sixty seventy dollars every month so if you think about it seven times twelve do the math man ya so I think it's worth it lah


ya like I mean I would I wouldn't recommend only I would recommend my friends who go who do shave like shave


their legs and stuff like that cause it's not good for your skin also like uh like you will it will cause ingrown hair cause when you keep shaving then it will cause ingrown hair like that's why you see a lot of men when they shave you can see the stubble right like the black spots on their face it's cause they shave too much


ya, what did you not know that you shave everyday I'm assuming you shave everyday, it's like a thing , no is cause of ingrown hair basically your hair is growing inwards ya


oh IPL oh


but I don't know whether they do L IPL for men I'm assuming they do cause they do have IPL services like they do uh, have waxing services for, guys, ya but it's it's expensive like more expensive for girls I don't understand why but ya it is


ya they do ya they have ya I think ya if I remember correctly ya, I'm not so sure I haven't tried it yet but like I'm assuming it it is lah like I have a I have a friend who does waxing on their face like their lips because you know


sometimes we'll have this stache going on ya it's quite good eh like as in it's clean lah but I don't know how long it will take for it to grow back but so far it's clean like there's no like ingrown hair going on


would you want to go waxing, why it's not that painful


(mmhmm), but where did you do it, !aiya! then that one is not professional so it's like you have to go to a professional maybe it won't be like it will be different


do you have a saving account if so share experience and details for instance name and features of the account of your accounts or your accounts if not why do you choose not to put your money at


uh I also don't I don't exactly have a saving account per se but I think my parents have started one from


and so it's like , I guess they they do some saving, on my behalf but although I'm not so err I don't I do not, use it that much on my own my own account, yup


sorry ya ya that's true


uh okay my my mum, my parents started because they feel is useful when I'm going for, my tertiary education especially like, uni and uh IVJC poly for whatever you want it see the, post secondary phase so I think it's


going to yup I do have a debit card, but I only got the debit card at a later stage so before I got the debit card, my saving account is already up but the debit card I use right now is different from the


the savings account because the savings account is like a separate, uh bank account I use my, I have a own separate bank account for usage, uh ya I have a credit


I have a debit card credit card, I was planning to get but not yet


but but but honest opinion I feel like a lot of people when they get credit card they tend to overspend, cause they, it's always banjo they hit the overdraft limit term, then they're just like, in trouble lah so I feel is like some people sometimes credit card


damn sure your limit so you just tend to like, overspend, but I mean I'm not saying it's a bad thing I'm I'm I'm just saying like, , it's just like one way to look at it lah so like I mean you know how to control your expenses and so on that I I feel it'd be


(mmhmm)


do you think couple should combine their finance, and open a, joint account if so do you have a joint account


as for me right I feel you I mean a joint account I feel, I feel it's not bad because like okay so the first thing is I will not encourage people to apply I would not encourage someone to like or a particular coupled to like, put their


I feel like debit their pays get their pays to debit into a particular account because I feel like the that that should be a separate accounts cause everyone's earnings is everyone's earnings I, whoever's earning is whoever's earning you you should not be like conjoining it, but then like, sometimes there are like, uh


times when a couple wants to pool in their funds so like for example , like let's say you are saving up for the future like as you want to buy a car together a family car or you want to like uh prepare for a child and like you want to save up then I then I suggest the joint account be good for the saving purpose also you like also you know like listen if I want to spend uh


something for my child uh or I want to get uh a particular thing I know like this joint account is where reward have actually pulling money for the child so it's not just like oh he spend for this or I spend for that it's like everyone's spend like, everyone's savings it's your own savings your own family saving whichever like uh save up for your own child all that and funds in that way


ya as of now yeah I I've, only used DBS and I'm like, somewhat satisfied with their service


and you have like a, fixed bank account or like a, or a fixed deposit account where you have a very high


ya ya I agree I agree, fixed deposit cause I feel sometimes uh fluctuating can really come to like you know can can come to real issue later on


so I feel that it's better to have a fixed amount that I know, I am going to get this particular amount every particular year or month whatever it is so I feel it's it's it's more secure


uh at what age, oh okay , at what age should a child be given an, ATM card and manage their own bank account


so before that, ya so before there's all like, ah okay okay okay


so you basically we're keeping the auntie in canteen


yup, yup ya ya, but but I do feel like, you shouldn't give the a child a debit a card to give away for a young age because some


oh I say oh like what you say for example you said you were when you were sixteen, right I think sixteen is a fine enough age I think, the child will be ware aware of how to deal with it


and how to secure in like a ensure that the card you secure and the amount inside is secure as well, but I feel like uh, uh a child who like maybe twelve or thirteen is too young already, like I know some parents will like like, uh, they they they get apply for a debit card and then like they they they put money


inside and give it to their child when they're twelve or thirteen, I find that really I I I won't say it's uh illogical but I feel like, I mean like, could be better done lah I mean like there's there's no need for a child whose twelve or thirteen to have a debit card to walk around


ya but but we're talking about children here so like, I mean like I don't know about I don't know about your childhood but right, I mean I don't know about your childhood when when I was when I was at the age I will just like, like for example after school I'll just like drop my stuff and I'm going to like play play football or something so I just drop my stuff there is I


I won't even bother like secure so it's very easy for someone to just walk up to the card and like, you know make a, a few online purchase and, so on and so forth like per se, so I feel like I mean I'm not I'm not against it I'm just saying it's not it's not very secure


ya ya ya ya but but, okay so but my my idea is for example how much cold hard cash you want to carry, maybe you maximum fifty dollars but how much will there be in a bank account, ya ya that's what I'm looking at, ya anyways anyways


I I'm not against I I'm just saying that, it's not very advisable uh but but and it's always depends on the maturity of a child itself, so ya ya ya so it's really up to the parents


ya I only like I only got like my own debit card when I was like like, like maybe working part time or something before my, NS that's when I I got my debit card I think, ya because I I wouldn't like spend too much either, ya oh ya ya ya then then obviously my


ya my parents give me like maybe fifty bucks or hundred bucks, ya ya ya always I reserve cash


oh okay okay okay okay make sense credit card is your main cash lah, okay okay ah uh I think, moving on cashback points or miles which type of credit cards do you think people should be


, ya ya, ya I get what you mean, but but


well actually I agree with you because I feel like cashback is is the one which will attract more people in general because it it tends to have more privileges cause like you just like you spend something all you have to do is just spend something then like, you get a cash back, like makes your life easier you I mean you don't need to like


it is a more easier way to like uh, gauge which is the better card or better uh, bank to, use a credit card in per se yup ya and uh


part three negative experience, oh my whole experience I feel there's a lot of or scope for us to like


uh experience talk to a lot of people, and then uh uh get to know one another especially in in in interior hall because like we can like uh discuss stuff like uh like uh like you know, you can discuss stuff like education


and the like, ya so sometimes I I I can like you know discuss some stuff with my econs friends ya and then like ya


okay so one one negative thing is like for example your your roomies, you should you may be a bit annoying if you are in a double room then like anyway struggle to like to be able to do what you want to do, or like maybe your roommate wants to like sleep sleep in the day and like


study in the night, ya so like he may study until like four AM or five AM then go to sleep, until like uh like, five PM and wake up again so like his cycle is reversed and you'll probably struggle also, or not you can like eat yeah in that case probably the scenario is just to like avoid


going to your hall at all and just like study outside, and like ya go only at night and then like go to sleep, but also right I I feel that a lot of other negative experiences like, maybe uh, the people who like uh, are very curious about how other people look like


then like when you're in a toilet then like, like, uh they're just doing stuff that, that that like, involves recording or something, yeah but other than that other than that kind of like, pervertic measures I think I think a hall experience can be positive although sometimes you


get like a, okay my friend told me about his experience where she was walking towards her hall and like, there was this guy who just like walk like, walked out like in his boxers and that the parents of the girl, were there and they were like wait what they were like a bit lost and they were like oh


are we doing the right thing let letting our daughters to here so I think sometimes people you think, through what they do I mean, coming out shirtless can be a bit, bad, but coming out in a boxers is like super bad obviously but like, you are in a guy's floor I can still forgive you but then like some people are like on the floor


which like they still in a floor which the guys in one side and girls to the other side so then I think I would say that they've that excise their judgment, and like be be be a bit more , show a bit more concern for others because like others may be like disturbed by what you are trying to do


I get what you mean but then like sometimes, what you do in your own room is different whether you want like, invite a friend over and the like go back in the morning or like or like you want to have a study study discussion as you mention earlier uh, it really depends on like the person but then like


what happens in your room happens in your room but when you're coming out you already like uh, walking into, someone else's space as well so like for example for example like, you may stay in a particular HDB, uh level three maybe and, if like someone walks out like


in their underwear during, that floor you'll probably be like wait that's that's disturbing like, because because you own the house yes you can do whatever you want the house but the corridor is shared by by uh by the tenants who live on the particular floor so you


be unfair to the others to like do such uh, actions but then like that said you can always like invite whoever you want to your, your your room and like, still were in the night you can have, dinner uh candle light dinner moonlight dinner anything you know what I mean


, especially if like the person like sometimes like they want the company them, like they start to like tear up maybe and like, then obviously is more serious


ya but ya, but I feel like sometimes when like and like, if the if you if you feel that traumatic experience then the guys trying to, open the door to let the to see the person or let the person


that way will be less traumatic


I would I would just like ask her to leave I will just ask her to leave


yup but I I heard the same story but then like, I heard the same story but then I I I get it's a negative experience, but then like uh, you by like indulging her he's going to make it a, further and negative experience for her in future when she gets hit by reality that uh, whatever happened that night was probably going to


be like a one time of thing it's not going to going to be expanded on further ya so, so I I would say that the fault's in him


if I ask you like what what could have been better done


right now what would be your thoughts on this


yup yup yup


(mmhmm)


ya, I feel what I would have done is


uh, what I feel what I would've done is like I then I would have dropped her back in her hall like forcefully said let's go for a walk or something and like just drop her back in her, hall and force her to go to sleep or I would have like brought her out to eat and drop her back to her hall


so I I no point am I like uh, causing myself or herself to, be in a in in in issue per se, but then since this I feel this guy didn't like, think through, his options or he never contact someone who can help him like for example if I was really lost right I will just like uh


uh maybe I will be like oh give me a minute I need to use the washroom I'll just like drop my friend and text all like bro what am I going to do or like ya you know what I mean, so ya I feel I feel this was the help with this wasn't helpless situation the person created helpless situation so he could, like you know uh I don't know


I I feel like there could have been a lot of things done better but then I I understand that sometimes in that situation when you are a bit lost really you need help, don't know what to do ah so I think like, in terms of negative experience I I don't know if this is a very very negative experience for, for particular person but I feel like


it's definitely an experience that uh I hope that person, definitely learn from so like uh ya, ya ya ya ya I hope the person, knows that but like ya ya, I ya I I I hope he become a better person than


like ya, ya but, I, canteen nine I think the food there


is like is is not that great it was a bad experience for me it was a bad experience, experience for me so like I I gone there with, with a couple of friends and uh, ya so I I how it happen was I this friend who said I was going to have my dinner then I have friend who said oh bro I think you should come over


because that there's like the food here is better then I believed him and I went there but the food was pretty bad and also he he know he first said that the drinks here are pretty good and and there's a and there's a waffle shop so I went to I went there expecting the waffle shop to have a lot of uh


varieties but there was no there was only like one flavour and that one flavour was like, vanilla or something so, I wasn't really like that excited by that flavour and I was like kind of annoyed because there was there was a lot of a lot of waffles but it was only like one, flavour, so that that kind of like annoyed me a bit


so but I just like I just like pushed through with it, I just went there and then like, and then he's like okay never mind you can have dinner here since you are hungry, so we went to the shop and then like I think, I think there was there was this north indian shop so like so like we got we got we got this I think is kind of breads which are like a puffed up ya


I think they have a few good toppings but the toppings weren't that great like, from far you looked like quite decent but when I tried it uh, wasn't it wasn't too great so I uh I didn't like it too much either, anyways uh ya coin came on my experience right so like


when I went there like there was there was the, ya so we went to buy we got we got this breads with this uh, kind of peanut sauce or something, so if it was my it wasn't my first time trying it was like what I've I think I've tried it once, before


but then but then our I was like okay I'll try then I like my my friend said cause I was sharing with my other friends so, uh this this, these other friends name is uh tom so, tom was sharing with me and tom said that , he felt was very plain so we got like chicken as well so when we got chicken you are going to be alright then we sat down


then we were having the food, then after that the the lady shock us she said it was about fifteen dollars just for that, two breads, and uh the chicken and the chicken is just like three pieces, so I was kind of annoyed because first there was no there was only waffles and there was no toppings


second the food, was not that great, third the food was pretty expensive, and also also I saw I saw uh yeah what what really uh offended me was I saw rats running in through the door like you know there was a door and there was a bit of entrance in the in that particular stall and I saw rats going in and coming out


ya this this ya and he was so big you know it was like it was like kind of kind of huge this rat was just like scurrying around and it was like annoying


ya and then they say it's their pet, ya and he said it their pet and they and they were, and they were feeding the and they were feeding that rat as well so I was like what, how are you feeding an animal you know you you kind of disturbing honestly


ya ya ya ya ya ya, they sat around in the bed ya, ya I was lost I was like why are you playing with a rat


ya, ya they were playing music and all ya ya, ratatouille ya that's what it seem like ya that's what it seem, like, ya but one one thing which I can't accept is the is the betrayal of the toppings like that I wasn't wasn't even accept cause I was going to have like a nice dinner and someone call me


then like I like okay never mind I'll go then, ya I felt like I I thought I really lost, but I understand your point that that that you were also fooled in terms of the


ya then maybe you shouldn't trust trust that person, I have another I have I I


but but I've another friend I've another friend call uh john, he he believes he believes that the the person about the waffles and all that I I think I think maybe he's right maybe he's wrong I don't know, but ya sometimes I feel sometimes I feel I don't understand


ya oh you know him oh okay okay ya so so ya, he loves the waffles ya he loves the waffles so then he was like it's damn good I was like no it's not good it's just you, who who's enjoying, it I mean like the the waffle is when each or cooked properly is still quite young and


ya I agree I agree that I feel it isn't isn't chilled enough ya ya correct correct


it's okay cause like I think it's a it's a malaysian store and like he wanted to try foreign flavours ya, it's up to you I'm like I'm not you know, but like, it's it's it's different it's different definitely


ya ya it's a topping but it was quite disappointing, I I heard I heard I heard Tama is really


I love the #tama#'s one I love the #tama#'s one I find is very very efficient, they they do, like I feel that #tama#'s one I had it that day I had it like yesterday


I think it's going good but like uh, I definitely want to try more often, and like, uh before I come to a conclusion but definitely I I like how it's going and like, all the taste all that, and I think it definitely needs to be worked on lah I think innovation is


no but but sometimes you like like a topping then you like want to switch the topping cause like the topping like appeals to you and you don't want to be like, like you you want to be like sort of loyal to the topping because you already tried it and you and you know it's nice and like where you want to often switching from like chocolate waffle cheese waffle you like no no no


I prefer chocolate you get what I mean, yeah I I'm pretty sure cheese waffle can't give you a chocolate waffle


yeah sometimes you want to you want to chocolate waffle all your life like, correct correct correct


but but some people like to try all kinds of flavour I I think do you like to try a lot of flavors, I mean not not not not that chocolate waffle like other chocolate waffle


I heard there's there's a second type of chocolate waffle it's like uh, I almost almost a cousin of the, the chocolate waffle like they they make


make some flavor adjustments you know there's someone


describe a time when you order a product from, ecommerce platform uh like shopee taobao carousel NES uh


uh exceeded your expectations, oh you prefer to like go down and, purchase okay


(mmhmm) (mmhmm) yup (mmhmm) (mmhmm) <B>


(mmhmm)


so I, I I agree that every word you say that sometimes can get scam, or like uh, you don't know about the quality of the product you're buying, or uh, and you might you might just get like scam, real bad but uh


I won't I won't, say that it's not true but I also say that, there are I think there are a lot of legitimate sellers who, who actually do depend on uh living through online sale because maybe uh they cannot afford the space of a shop


so I I won't say that I'm a I'm against it cause I I do I do make online purchases for example , I I I okay I, from what I know my mum tried to, during the COVID period when, during lockdown my mum tried to buy , stuff that was the first time she tried to buy like food like actual like


food and like like vegetable or meat through uh delivery or like some app and I think, she was quite satisfied with it but, after the quote the the the so call like uh, stay at home period ended she she started going back even though she was very satisfied with the quality which she got at home which she got delivery right she preferred to go down and like purchase herself


so that I mean I think that that already shows a lot lah like she feels like the quality is better when you actually go down actually make such to start making such purchases cause you can like what you say you can I check the freshness the quality and so on


ya but but but and honestly there was there was a time where I bought a product


online I think it was for my it was uh, I think I bought uh, uh a pair of sports equipment I think it was a football boots I think yeah, and I I was actually quite impressed the quality because, the product quality yet it has lasted me for like about a year or so


plus it was good quality and ya I mean it was a it was a it was a you know the legitimate product it was not a fake good so there's also one thing but but also yours was also because I I could also I could also contain


the the the, the seller per se I could I text them and ask them oh how what about this what about that at the end the person could actually advise me, so I think like you can get you can get a kind of uh, specialized expertise advice uh, online just that sometimes it's it's harder to like visualize it lah but but I do believe that you can get it but I must say that you will always get it like nothing replaces actually going down face to face touching the product feeling the product talking


someone who actually knows that up well but it definitely is a substitute which can be considered at times like when we had to consider, uh the times of COVID like as in like I just mention earlier, so like uh I have that outer feelings like uh feel like as though the delivery time


which which, talk about it can be can be efficient, it can be I'm not saying it's always efficient but it can be efficiently like uh there are a lot of uh, uh, uh deliver deliver drivers or, uh or or like people who will actually make an effort


like uh try to deliver your products on time although there was this case I heard of, recently where uh where this uh delivery this, I think he's a grab driver he was like I no I think he was a I think there's a lazada driver and he was like a


like taking goods like so there was like this process where you're you are picking up a good for delivery you have to like scan it so he would just not scan it and just like put inside his truck and he'll drive of then the other day whatever is left with this stupid suddenly he scam they are lazada of like eighty or nine k worth of products


so I mean there are people like that around but but still I feel there are a lot of genuine people around who like like actually uh make a lot of effort, so I think yeah, uh lazada can can be supported, and I think it's quite efficient also


ya okay that's true that's true that's true


ya describe your best staycation hotel, oh so it's best staycation or holiday in a hotel you may refer the following pointers uh for your answer


ya ya ya


ya ya I get what you mean, ya , I went for a staycation recently, with a friend then we, I think a lot of it was a local hotel it wasn't my best I won't say it's the best but I


I think it was quite memorable, cause I feel like sometime it's about the, people you go with yup yup ya, ya


exactly ya, uh so I'll probably like suggest to my group of friends , when I see them maybe tomorrow or something else, and maybe say maybe we should go for a staycation sometime soon


ya ya, then like, for for going a staycation ah okay that that yeah yeah I'm going to bring it yeah and I'm going to bring it up to my friends and maybe we can go sometime ya


ya, okay so anyways I then I feel like okay the room amenities were like uh I I went to the, this , what what is the name ah okay forgot the name of the hotel lah, but the the room amenities and the hotel facilities I think was


it's like okay lah it was not bad, that's quite good for the price I think you paid for about eighty bucks for the room, think it was it was n something I forgot what's the name, for the hotel so like but like, it was it was quite sufficient for the, the amount with it uh I think it actually it was more than worth it lah


also also also also the hotel, had there was, like the there was a there was definitely a unique selling point for the, for the the, hotel which was like the the simpleness of the room and all that


like they they managed to make it look make it look uh sufficient for, so I I I have heard that question I would I would should have ask the question before to myself but honestly I feel like sometimes is just is not about enjoying


uh holidays about, enjoy the right people sometimes like you know okay let's say you didn't or opt for a staycation, uh over uh, as you didn't offer a staycation then your options are either meet up with your friends at your house or like outside or you could like go for a holiday overseas so definitely you want consider other options you will talk about their expenses so I think the expenses definitely there overseas


more expensive, some people when I want to spend so much but then like staycation, kind of fulfills it, and ya it's really expensive as well, and, but let's say you are going out right with your friends for awhile and there there's like is very short lived you know like there's no there's no uh it's not much of life given to it is like it ends quickly there's the longevity is very shortly so so I I think what people are looking for here is a bit more time


with with people and, a bit of uh uh in a place to relax honestly and I feel like that can only be satisfied with, like you go for like a, period of time where you spend like together for example, through uh uh


a staycation in singapore or overseas, and I think a lot of staycation, it's either like a very short group a very close knit group of friends err, or it could be like, uh more of couple so like they they go, the hotels to like or like


to spend time together, for maybe three days two night or or, if they're going overseas to like, uh you get to know each other sometimes they go to, like let's say if they're they're students than they might you know sometimes they try to go, to their, they they I I fought with people who are like students then they like try to spend time together in their room


this so like, like you know they stay over in their room, and then like, and then they wake up in the morning and then they leave ya so you just like sometime, but you get what I mean yup


ya ya so ya moving on right I feel sometimes it's err it's also like, , I think family's too it's like you are going as a family right sometimes I feel then a staycation, doesn't make sense cause like then you going with your parents right or in your in your maybe let's say your sibling then just the staycation doesn't make sense cause then you just like going to a hotel to like experience the facilities but it's all you can just take a holiday that would make more sense lah because I think at at at some cases ya


ya like you own private room then can recall people, that kind of way lah, study together ya or ya, okay


okay I do gym but then like, when I gym, with my I either gym with my track team at Tiong-Bahru is a is a gym which like I go outside so it is kind of like free so like ya cause it's it's the coach's gym so I go there for free, then like I just like he tells what to do and I just


do that or not I will just workout in school which is like, a school out some I think every friday I do work out with this friend, uh like yeah, ya I I try to workout with him you know like ya usually then we were, I would do a bit of like exercises over there so


I mean, gym membership I don't have but I feel if people don't have and they're looking to get fit, then you can try but honestly I feel if you are like let's say you want to lose weight you want to do gym that I feel that it doesn't make sense cause I think for lose weight there're there're


you should be working on middle carry standing exercises or like uh going on short jogs cause I think that's what really is more effective I feel like if you want to lose weight and you go gym you just going to be putting on more uh muscle mass and the and the whole thing becomes a very messy scenario, honestly but I think a lot not a lot of people are aware of of this so


ya okay okay okay okay I think I get what you mean


ya I do have a saving account actually I like multiple saving accounts one is POSB one DBS


your parent started it when you were young you can, your parents started it when you are young lah, ATM and consider like when you get like a, card


so like when I was younger and like you know when you get like the bursary awards and stuff and you have to have your own saving account right


uh can you hear me now, , uh cause like the recording twice is to, oh the current now is scan right can hear me now right, ah of course ah


ah so sorry I like put the microphone before my behind my back is fine, I think alright, okay okay so ya so I'm saying right like at first similar account started when I was like you know when you get the bursary and stuff, like when you you know you when you were young then you have to like get groceries then you have to like have your own saving account to put like the money ya that's how my first saving account started lah then like you know your parents or


you do not have a debit card


so do you have a credit card or a debit card uh I think ya do you have a credit card


uh I have debit card in three banks uh credit card I just apply for DBS life, and uh what did the other one ah, the maybank yeah, cause like apparently like there's a it's a free interest fee and like it's not interest fee it's like there's no card fee and uh


and uh there's a, you get up to five hundred dollars of, like low expenditure, like and as a student like it's good lah so you you get like free, free expenditure amounts like five hundred dollars is not much so


in any case I get like those pay back, because it's like a interest fee I sorry so can be used for, daily transactions and you know you apparently you pay spent more than nine hundred dollars right using like uh DBS lifeguard you get like three airport


ya but like you know overspending is a very personal, thing there's not really matter, like is the individual thing but like credit card gives out to a person and you know the accessibility and, you know like the what's the word , facility to like just you know in any case that you do need cash at that point in time it is there for you


so it's like a sense of like sense of security I guess so, that was the reason why I like apply for it like you know like when we go out now like actually for me lah when I grow up lah suddenly like, you know when I go like drinking and stuff like sometimes right like you know you just suddenly like like extra more than you to pay then like you know can it's easier to just


I use three credit cards to pay because there's always like extra benefits, to use your credit card, then you can pay back within that month, security like you don't have to like you know when you go to the restaurant and then you be like, oh shit now I do not have enough money to pay for them


the thing you are buying or like you know go to like the shop suddenly like you realise that you have to pay with like maybe like I don't know like ten twenty dollars extra that like what you tending to pay you like oh shit I don't have enough money then like might as well just use your credit card then you just the sense of security


I'm like I I don't have a bank account, uh but , it depends actually cause like my parents once they do have a joint account, uh it depends on the how each individual, is trying to do because like uh if it's


cause like, uh like my parents' case like my mom does the finances my dad doesn't so it's useful to have like a joint account cause, uh like you know one person just managing is like basically like two person about imagine using to like to like you know to like draw cash and stuff like that only when like my mom the one doing all the finances so it's like make sense in that case but like


no one but both the partners want to do their own income is much more is much better cause uh you tend to like, not uh overspend, because you can really like if you have a joint account and it's like really much cash and you like cause like there's two person investing


the same account, then you end up like feeling like okay now it's more cash for us to spend the you end up spending more, so I would personally would not have a joint account uh ya then that'll be my case in my sense


okay if you want to join a joint account send the prefer bank that you go for, no is is there any preferred bank that you will choose for the joint account


ya I think I think I will go for DBS as well because, it's very much mah because it's very convenient in especially in singapore like there's station everywhere so like convenience factor the place with DBS so, definitely DBS for a joint account but I heard like UOB has like very low interest rate


like they also like, there's like a lot and much more benefit like a lot of benefits like using citi and uh you will be over compared to DBS but like in terms of the financial stand stuff and like like convenience wise DBS


obvious them we I I don't know like I'm still go and CBS, feels like a you know a homeground company and is like


uh I I too but uh, I don't I mean I will have one in DBS but uh, just, feel like it yup, is fixture deposit lah so it's just like like something like my parents, parents have invested but I feel like


this is a loss cause like cause fixture deposit like the month especially in singapore you know the interest rate is, bloody low it's like like, one percent only like all one percent zero point five or something like that so, uh my interest rate is like ridiculously low uh but my parents just pay him because


is that sense of security [loh], you know you play in stocks and a lot of thing then like there's always the liability that you know your stocks and crash and you lose, cash but , like DBS kind of bank uh instead of credit ensures that you know that okay you know the money is still going to be there nothing's going to happen unless the bank goes bankrupt lah


another thing is like I feel like, if you going to invest in fixed deposit don't do singaporean banks try to invest, overseas ones, uh overseas banks gave like way much more higher interest rate, then my singaporean banks is very smarter to like invest overseas then like you invest


ya I think that's the only thing I have to save or fixed deposit in terms of, interest rates from singapore interest rates really low you know so might as well just if you going to open a fixed deposit might as well just open it a


ya, do you have a fixture deposit though


okay okay that's true that's true ya, sense of security is very important in terms of finances okay next one what age should, ya I mean you can go for it lah


I started it when I was, eighteen like you know oh wait sixteen ya sixteen, uh the section is when you can the section is like when you can apply for your first bank card right so, before that like okay I'm going I'm not a fan of cash like carrying around like physical cash uh I think you have transcended into like the crypto currencies already I don't I don't think like we two should be using like I I can't even remember the last time I drew cash uh is I don't really use a card anymore I just use my phone payments you know


so like is, many more convenient you don't have to carry a wallet around anymore so like there isn't that so the very moment that I know I can apply already uh I went to, like cause like uh on the day of my birthday the things I did when I was sixteen was to apply for my first was apply for my bank card already so ya so uh that was like ya before that it was like you know you have to carry that cash and stuff right then inconvenient lah ya lah


ya you know like especially like primary school secondary school !wah! it's damn annoying to carry around like you know like all that, cash and all the coins then there are like the canteen food you like do you have to give me all the like thirty cent and came out as, then I used to like just you know just supposed to bring that thirty cents I would I would like just like tell the auntie I don't want I don't want the coins because is heavy like is is annoying to like carry the coins around so I hate having a like a bulky wallet lah so


it's, uh sooner the better in terms of convenience that's only in term when you got like, ya but I say no you ya, ya , ya but like you know that it young age there is still there, err what what do you got


you know they're too young to make any like rational decisions that kind of thing but like I think it's much more like it's it's not really like it's an age thing but it's much more of like a maturity thing like I it's just a matter of like whether, your parents have uh taught you that you the the value of money new like you are brought up in such a way so like you know and even than the young age I know keep people who are like really good finances maturity


so it's just a matter of how mature mature you are uh and then once you're mature enough can just start opening up your own account and, opening a debit account that has like no repercussion backs it's not like credit card so, most student go for it


(ppc) you have, what's the age what age are you talking about, what is this age what what age is this


really ah okay, okay I would argue otherwise ya lah but like I would I would say like I think like the age of, and you should like get like you should be able to get like your own debit card because like, I don't know like when you start going to primary school I think it's good enough uh to like uh like you know after primary three primary four around there you should be able to like you know go draw cash and stuff so is that it's much of


but like the world is moving to the that is the


okay lah I mean that I would like like you know your own like the thing you just said like that is the I'm going to use the same like logic against you so are like like the reason is when I was younger I usually just drop everything and go play like it's much more easier to like people to steal your money you gives you like physical cash then like


feels like in a card form right like it's a debit card so that was my rational lah


yeah it's definitely like uh the thing is the kids' err financial maturity lah, so before that it was just cash all the time


but like what did you go out and suddenly one day shit, like like, then you know it happens right, then how would you but like okay, [orh] so there's always like a reserve cash in your wallet is it


ah ah okay then ya so like ya I don't I think I don't have the habit of carrying around reserve cash so I think that was the debit card you just, if debit card is my reserve cash


okay to me personally I think cashbacks are the most worth it because uh miles even like I don't fly often so miles generally it doesn't matter to me there's no like purpose even though like you know the


the airlines are usually like kris flyer miles to like you know then you can buy mileage person except for like the forex they advertise for you to buy its like all those, really lame ass as long as you like or you can go to you know you found a fly to from singapore to los angeles and you get like a free cup of yogurt like real like the miles only can allow you to buy like a free cup of yogurt but like


a cashback if like you know every time you purchase something you get like twenty cent or ten cent back so like accumulation wise you spend like I mean you save way more using cashback and then like using points or miles I mean like uh this is just based on like all the credit, cards that we're using now lah but uh uh maybe they are like


if I'm using like american express and then miles would like or american miles part, then like they make sense but like I'm not using those yet so in terms of like the regional banks uh cashback is which is a much more you know much more


convenient and uh easier smart and financial saving option compared to the others and also points right then it's damn legit to like you know go and or like, the apply for the things, you whether you have


correct correct ya exactly, what's that last ah, what which type of credit cards do you, I think people should be uh heard of credit cards, depends on like what kind of like lay range you are looking at lah I mean as a student I just wish like fresh of course is like easy it's convenient


part three negative experience, what do you uh how is your hall experience what do you think about it


okay okay okay okay, okay okay what is the, what what do you think is the negative experience I understand anything negative ya what do you think what is the negative thing about staying in hall


ah


no but then don't you think hall is like your own room so you should be able to do whatever and nice and live there comfortably so maybe that guy just wants to maybe it's comfortable in just the boxers and why should he you know


care rather than the other people walking in the corridor matters you know to him so that's why he probably came out in his boxers, the only thing is uh is bad that ya


(uh huh) (uh huh) (uh huh), (mmhmm), (uh huh)


ya that's true that's true yeah, hall experiences are like wild, yeah that's definitely true uh I think hall experiences has its both pros and cons lah but like the of course do sometimes out


way cause like you want do you have the like the sense of privacy but like you know like sometimes the key fobs like you know like there's like even though like the halls system they try to use secure system, and then suddenly like the there's no like a actual security guard and stuff like that so suddenly I've heard experiences


shooting game he she just like use some random person like you know like to open the, the one that closed the door of the hall right they use the key fob the key up


then she like just tailgate behind that person and like a random person she came outside the door and started knocking at the person's door you know to like kind of like let her in and stuff like that so those kind of things are really scary cause like you know if it doesn't like it's not a everyday thing mah it's like suddenly so this kind of things are really make me very


when users there are a lot of people experience ya like cause my friend, you experience it lah basically ya the that traumatized him lah but ya those kind of things uh


ya but uh yeah that's true that's true but like I think uh in the in his case the thing happen close lah he like he was unaware like uh when she like apparently stood outside his school for a good ten twenty minutes like trying to see ya then uh so he


ya but like he were but he was cornered lah the that is the only thing you can say I think like he was helpless and he was cornered and he was he will not do like he could not like uh he could not escape the situation so he had to like you know so those kind of things ya


ya I think ya, ya and then guys it's always and blame the push the blame on anyone, but ya I think is a shared responsibility uh things could have been better but you know I think I I don't know lah I think cause that guy is my friend think he will just helpless at that point in time lah so that is uh that's all I can say lah


suggestion , uh I think one would be like I think it will be better if like more than just like you know since he knew uh like like she was really outside their usual outside their room you then you whereby you left the place and I both of them were like gone out of like a hawker


or like I know the canteen library the open space to talk about definitely that'll be like better lah but you know situation changed and I heard it happen cause you late at night right so he couldn't really like because this happened like during where like the like ten thirty ten forty PM so he was like


he couldn't come up with a reasons to like go and say let's go to the canteen because you know at do canteens closes at eight so that is really like, you know quite bad in terms of like uh people want to buy food at night right so they have like no choice but like he will eat, it's like they cook for themselves and stuff so I think he was really helpless at that point cause you couldn't come up with like reasons to like leave the place


but ya I think he could have tried lah maybe like you say let's go grab food and like everyone Jurong point ya definitely you could you could have done that like


ah definitely definitely


yup definitely I think actually experience, in many experience I think that's the most important thing to do ya I think I hopes he learn he becomes a better person lah that is that is the ya so like you know


ya so ya that's all let's all hope for the best for him and for her lah what what do you think about canteen nine


ya ya okay lah I mean okay lah, I I have had the same experience before lah but like the thing is like I think cause the okay you event uh like likewise my friend told me about this world for shop right then she said uh okay let's go


over like lot of flavours to try so I was like convinced, that you know there's a lot of flavours to go and like to go and try but but when I went, there I did not know what she meant so like I thought that a lot of flavours as in like you know the toppings and stuff but end up we just more waffle flavours it's just the same waffles it just with uh different batters so that was kind of disappointing cause like !wah! there was like what vanilla waffle


chocolate waffle but it's just the same batter so it's like , it's not really out of I was trying to go there for the toppings but then end up like the waffles there's only two there's different, and like I I'm I'm not really a big fan of waffles I I only usually buy things for the toppings and like so that was of disappointing lah so yup ended up eating the north indian food also so ya


oh oh oh my gosh yes that rat oh my, what shape that I I have seen that rat ya I have no idea it's like the north indian store has the right just, running in and out of it like their family is like it's like they're they're growing a kid you know yeah yeah !wah! it's like I have no idea how they are managing it !wah! it just


ya like !wow! like ya exactly, ya so what you know oh my gosh, do you do you do you have you seen them like the kids come there they also pet with the rat and sitting around with the rat that is how like


I don't understand ya ya like how like I didn't expect it yeah exactly you know so like was like, it like a ratatouille you know yeah I think like that ratatouille of the whole north indian stall, ya ya ya


ya I think I think then I think there's definitely a like that, ya ya ya so like I think it's really a matter of like miscommunication lah uh in both both scenarios


ah, no I think it's just a matter of miscom uh on both sides like uh, like my friend like my friend said topping then he was like since the okay as in like when, people say there's a lot of flavors are I will auto assume we just talk about toppings and the flavoring


I'm not talking about like different flavoured waffles ya different like just waffles ya so they I'm, auto assume it's the toppings lah so there's this the assumption I made so I think that is the assumption like your friend made also lah that's why you ordeal that isn't really a matter of miscom so you know things can happen but


I think we all learn from it you know we just have to know that you know canteen nine, just waffles and no toppings ya and there's a rat, okay


ah ah oh john john ya ya ya I know him I know him !aiya! he ya ya ya I know ya leading to the mutual friend lah yeah he loves he loves the waffles lah yeah he loves ya ya he's like real bad hit


ya ya ya I think, yup and it's like I don't know I think I feel like the batter is like too fresh you know like is is not matured yet like


ya it's not cured in ya ya correct correct that's the word like ya it's it's not like you know ya is like that it doesn't hold the whole, the flavors you know like you know like ya ya ya I felt very foreign


ya ya ya ya definitely definitely, ya that is that is ya but john loves it lah ya he he loves so I think and I think because it's like very passionate about like waffles


like ya he's he's not a fan of toppings but a waffle guy so to him to which you have to their own lah but yeah it's as a topping person ya it was a disappointing like, ya ya I think I think we should try like different like different uh canteen I think can two and Tama is really good like I heard that


ya ya ya ya ya, they have like their toppings like they have their own waffle store and their their toppings actually they have a plethora of toppings to choose from


ya, ya innovation is definitely the key ah I think is also the matter of like you know you know pushing for it and trying out different toppings you know cause toppings


that is definite that is definite I think because like chocolate waffle hit you bad at home right like if you know if like hits you like you know personally like ten like there's much more things to


ya ya like I ya like like ya ya correct correct like, cheese waffle like helps like it like spices things up but like you only can have, for like one or two but like a chocolate waffle you can have it for like the rest of your life right and what


then I think that is that it is I think ya I think he very hit the point ya you hit the point there but they are tamil is you, like I I'll I'll I'll definitely give everything a try you know I like to give like as much like I'm a fan of chocolate waffles but like


not chocolate sprinkles not chocolate waffles, ya ah ya ya ya correct like like not the tama one lah but like I think like different like you know NTU, cause you like a lot of waffle shop then like the charcoal waffles around


where, or like the milk chocolate right ah ah, oh okay


part two positive experience


!wow!, surprising enough I don't actually like uh my everything over the long line because, I still don't uh


ya like you shop experiences still like you know, is much more organic I guess like you know interaction with people like it's not only like the product that you are buying like cause you are buying online you have to buy you have to make your own research and stuff right like you know when you go down to the shop there's always the the the the sales representative and like


I I know you have like a rough gauge of like things you want yeah, the thing you want to buy but the sales representative when you go there, they don't give their own opinion and like their own product review you know and I mean I don't really they are the ones who are like always I mean yes they are there to sell their product but at the same time they also have like uh they are much more like you know uh versatile and like experienced and like


uh what do you call that uh knowledgeable with the product right so like I would rather just go talk to them and may get like a firsthand review, of the product and going to buy that rather than like, you know just like okay this is just based on like we are talking about like a retail shop like a whole sales shops lah like you know corp and like ash tangy because they got like a array of products mah then if example I'm going to buy laptop right like this laptop then I just bought I wanted to buy a yoga seven five zero


serious ah so it's like you know, got both the tablet and then like the laptop in like incorporated to one, option then it was like two point three k, uh ya so that was like, after all my online you know research as shit uh then what uh like decided to go buy lah but like once I went down to the shop right I ask the the sales representative like can I have this product then she was like okay so what is the what are you looking for then I was like


uh like now I'm looking for a tablet with like a laptop within lah, so it's like you know you have two in one function rather than I I don't want to buy like a ipad and like a normal laptop then she was like okay lenovo yoga is like kind of model you are looking for why don't you buy the idea the idea


flex five which is half the price so like now the laptop that I bought right thousand three is the same it has everything the same the same processors and the uh specs, the only difference is err the only difference is way cheaper like uh the processor like damn it's like it's not i seven but it's i five I I honestly have no like I don't see the difference between i five and i seven so like you know it's


it makes no difference to me so like this kind of organic relationships is what is it, important in terms of like uh in terms of like going down when buying a product, from the shop compared to what is online ya so that's the reason why I still I don't buy much online the only time or buy things online is uh like you know like COVID times then you have to buy like fair price things online


ya like that like I don't go down like the fair price to buy like, it just like everything's delivered toward to my house, a great month and stuff but uh that to like I still feel like you know it's better to go down and buy because like you can feel the vegetables and the fruits that you want to buy you know you can like finally like, you will see whether the product is like worth buying or not so that that is where the reason why I still go down to buy in the shops lah ya how about you and shops shop or online


okay


(mmhmm) okay, uh


so ya that is the the think that the whole epitome of like uh the comparison between like online shopping and like , basically I mean they're going down the shop physically is inconvenient it's not as convenient as staying at home and watching but at the same time, if you everyday going to just do at home right then why what are you going to do when you go out


like you know like like is his life is boring if you just keep staying at home right, ya there's like one of the few reasons that I still won't like


okay okay ya


, ya but like, ya that's that's that's true that's true, oh okay would you buy I don't know like a


okay but you know there's like the apple products now are like two offer like the student deal of first right, those kind of things buying from official retail shops like you know the apple store I do not mind, like I feel safe like in any case you know I can just like contact back like a apple store like they they are retailers mah


ya but like if I were to buy but I see the same product, like so long lazada but even though they have the apple logo right that it says apple official retailer I do not trust I don't feel as no like even though it's like probably like


thirty forty dollars or maybe you can even go up to like hundred dollars cheaper on lazada I don't feel like you know, it's worth the risk to buy from like even though they seek proclaim themselves to be like official retailer uh to like go buy from them lah


I think it's like you know the website it really makes a difference you know having to like buying the official website then to like buy from like a like a middleman site like the lazada or like uh something other shops sites right, ya, so like that's one lah ya lah what's the next one


okay , okay uh last uh stayed in okay uh the best would be the one I stayed in Dubai lah stayed at the higher residences


that it was really good stuff cause like you know they have like a other than utility pool and stuff right they have like a a tennis court and the helipad, there was awesome lah so like you know when you go you want to play right is like like the helipad is like cleaning off site


the the thing outside the hotel like they like whenever there's no helicopters they make they make it a makeshift tennis court and it's really scary and at the same time it's damn fun to play cause like, you know there's always that like fear that you oh shit you run too far and you just fall off but at the same time you are like you're like playing and like what how tall was it


uh we're talking about like, uh thirty no wait thirty two or so, around twenty four twenty four twenty four storeys high and there's like, uh there's like all twenty ya twenty storey high and like a helipad, there's like slightly higher than twenty eight so


to prevent you are still like you know playing there so you like it's a really good experience and like the food wise was damn good look was damn good, they know they really know how to err they really know how to, okay what's the word uh patronize or


yup ya ya patronize their customers, you also


oh ya ya definitely I think yeah I think also ya like now you say about it right I kind of relate to it so I I don't think it's like the hotel that makes the experience, but it's the people that like that like you go with the like that forms like experience with you


(mmhmm), ah ah ah that's true that's true what, oh do you know you know the government is giving you a hundred dollars


ya like it's giving all singaporeans plus I think it's a hundred dollars plus or something right for the most staycation, then like you know you go with a few friends ya then you cannot ya ya ya there's a


ah ah ah ah ah


ah ah ah but okay now to think about it like what's the point of doing staycations


(uh huh)


uh no uh, I mean yeah I've I've I've like gone to my friend's places to study himself ya uh I think, this is great too like like a room and like


so I think like it's great to have a room with like uh to study to study together like ya


ya that's true that's true then also like you know if you have like a in like you know sometime, is is like okay lah it's like a getaway especially like you know if like you stay in hall then you have like you know you have be like some random roomie staying with you and it's like, then is like ya you know it doesn't like feel well lah then like


it feels like you know you'd rather have your own privacy like you know, ya ya ya never study together kind of thing lah


uh do you okay uh, do you have a gym membership


that's true that's true okay lah I mean talking about gym I think uh okay I'll I'll never buy a gym membership, cause uh I think like you know those like the I would not spend on like gym balls or like uh or like you know the other ya


ya cause like you know the the free gyms out there like okay not really free gyms like first of all like stations outside right then like if you want to lose weight or kept fitted just use the stations uh other than like you know you go to arcade, those are really good they have been like upgraded to like really good levels and like


just like having a gym but I've had people buy like a gym box membership or like the or the other people the other field uh gym, membership if you are out there right just for, like the extra yeah for the sake of it like lot I see a lot of my friend who buy like a yearly pass right and they have never go to the gym and that is like what we are talking about like a thousand dollars plus thousand seven


eight like is and the like you know like they just don't see the value and like, I mean that is how gym memberships are so lah they always try to like make you buy a long term and like at the start when you really want to like do then you like okay you know what I am going to do any ways but they didn't they fail to realise that you know like one or two weeks right there the motivation to provide will change


so if you going to buy like those long term membership and end up not going to use it it's going to be a waste of money lah and that is how like james you know like, they make profit out of people so, uh so like I will never buy and like a like a long, full pledged gym membership and especially all those gym box and stuff like cause it's


it's not really worth it cause when there's like so many other options out there


part one finance, do you have a savings account so share your experience and details that means name and


features of the account of your accounts if not why, do you choose not to put your money in a bank, I have a savings account and mostly on POSB savings and


, I think that is a good


I have other banks where it I'm mostly using it as a, for savings like the OCBC bank and that's also a bank that I selected because of convenience of location , and , accessibility to ATMs around


around the neighborhood and, the good features is that, they have err many investment plans that is short, term and if I want to put, money in for


long term plan as in a fixed deposits I have a, choice of investing the money and making some extra , money out of the interest which is higher, ya so that's why I'm choosing this banks


okay so, (uh huh) okay, so for a long terms savings and all you are also using the POSB bank


okay so perhaps Tang you should go and speak to the people who work in the bank can see what are the latest plans that they have


okay


uh okay because


but I think is save them, but their interest rate is not too high if your money is not going to be in a, at least a fixed deposit so perhaps is


, okay so I'm sure you have a debit card at least with POSB, uh credit card, I don't I've not use the credit card part of it I I'm only aware that it is a debit card


and I'm not really keen on having a credit card as in I rather, spend the money now and know how much I have left rather than , be owed in the bank, at the end of the month so I'm


(mmhmm) why


, (mmhmm), okay may this time I look at it


(mmhmm) you keep track of your expenses


okay so that is you have to remember to do it for me I don't think I can uh be so detailed and remembering to immediately do a transaction or even to record it down ya maybe I should learn from you


okay so do you think, okay so moving on do you think couple should combine their finances and open a joint account what are your views I am not attached so I do not have a joint account with anyone but I would think that it would be a good


idea if you can put aside a certain sum of money from your income like uh, maybe thousand dollars each for a start and , and so the expenses can be combined a home expenses electricity utilities and a grocery shopping and all share


ya so, you wouldn't be just one person having to deal with uh one set of bills and the other maybe groceries then it will not look so much like uh equal


expenditure at the end of the, month, or maybe a portion it like the depending on your income, like a one third of your income goes into the joint account


yes you can after that have a savings account on your own to do your personal savings but a joint account will be good and if you have a child then every month , and the balance or the balance money that is not being used can put aside


into the child savings its just an idea of how it could be working


okay (uh huh) (mmhmm)


for the house groceries or, electricity bills then she should have her own savings where she can use her money as she wish because thats her money, ya so I think you should be very clear


about, how you are going to manage that joint account


okay so let's move on to the yield bank account or a fixed deposit if so share your experience and details name and features of the, product of, as I said I have a fixed deposit account in OCBC


and , I have an investment plan of the sum of money that I put in and, and, I get a yearly uh kind, of bonus which is actually the interest


that but it it's of a higher percentage not really sure how much but that way I'm actually saving the interest, and err, is still a better option than to just put it in a savings account where I don't actually see


see any benefits


okay you might want to check out on the, plans they have and the savings, because for me I did not go around looking for , the, different plans in every bank it was more of a convenience, uh the OCBC is some is a bank that I have ATM near my place and the bank


itself is convenient in a convenient location so that was about it so it wasn't too bad at all, in fact since I have made money it was a five year investment so it's been uh, let me see about almost three years already so I have got money that I can actually use that I don't think that uh uh


I'm beginning to think that is some extra savings that uh


so in my fixed deposit account with the OCBC I invested a, a a sum, and that money I cannot take out for five years so the rest of the money that I'm saving and I'm actually putting to the bank on a, regular basis is


money that I can take out anytime so, I have not really affected, by that, because there is I actually have two plans in that bank one money I just put in take out the other is the investment for five years that I cannot touch


ya, ya so there's also money that you I'm on, my salary is going to the POSB account so I just have to, maintain that salary and maybe, , there is also a savings


, plan I don't know what it's called but you can put aside it auto , deducts about a certain sum of money like maybe five hundred or thousand dollars it's up to you, you how you set that aside into a savings within your POSB normal savings account so that is also something that is err


important I think if you don't want to touch your, uh fixed deposit, in the bank so you have, another savings within your, POSB account ya


ya so the next is at what age should a child be given an ATM card to manage their own bank, account if your child has a bank account share your experience in the details that is name of account and features


K I have , daughter she is twenty when she turned seventeen I gave her she already had an existing bank account POSB and is a kids account so it was connected to mine so it was easily accessible on


in the online banking at where I could monitor the, , her savings and how much she's been using and, all so it was not too much of a problem for me because I can just put money on a weekly basis and she manages her finances with a bank account with POSB itself so


seven seventeen because at that time she was going to singapore poly , and uh, uh she had to uh it was difficult for me to give her a regular pocket money so ya at that age


ya I think ya that's a good age, ya


yes you are right, ya, okay ya okay so the next question, cashback points or miles which type of credit cards do you think people should be using


, I am not very familiar with the, miles so I only know about cashback where sometimes I do online shopping and then I will keep a lookout for the, cashback incentives uh what is called I'm not really sure so and about the credit cards I


think it is uh up to their own uh, preferences although I think it's good to be using the, POSB credit and debit cards together at the same time


(mmhmm) okay


ya so that's good (mmhmm)


okay ya points are useful (mmhmm)


part three negative experience, K negative experiences on food and beverage consumer electronics mentioned to claimant personal care


so do you have any negative experiences on food and beverage, okay how about uh the others


why okay why


okay so you had bad experience in customer service or is it the bank itself, is it the bank'


okay (uh huh) (mmhmm) okay


yes, oh ya that's even worse


(mmhmm) okay ya, okay that's very bad


yes okay ya that is quite bad, , oh okay


ya so ya I already think it is a very bad bank now


(mmhmm) okay, ya (hmm)


I couldn't see the menu or any promo promotional uh stuff that was going on with them at the entrance so I was with the another person and a child so


when the waiter came to take my orders he was a foreigner, I couldn't really communicate with him because I was already asking him about some of the dishes and then he did not, , tell me anything about any promotion


so I already checked the menu beforehand and I did not see a child promotion so , I thought that okay there was no children's meal and uh no promotion going on so I had to order a main course for the child


and me, so as I was eating I notice that okay there were at other tables there were other children and one of the tables it looked like it was a child's plate, so I was thinking oh maybe it's a sharing meal and they actually brought out a plate after which when I went when I was about to


leave I saw at the corner of the, the , outside the restaurant that err at the corner they actually had a student's meal plan and they were having some promotions for children , so I didn't want to make a fuss then and there and I just left and called them back and I in fact ask them how come on


on site there was no uh mention of a kids promotions student's meal, and then when I'm there I see that uh, , you know there were some children uh having promotion and then I saw outside there are, there was actually a banner


saying that uh there's a kid's promotion for nine ninety and you have ice cream drinks and all included , so I felt very upset that I had to pay so, much and order two main meals and be forced to eat it with my friend and we could not enjoy ourselves because we did we were like you know not well informed and when I spoke to them they said they would get back to me and err I was hoping that they can let me have a


a free kids meal for the child the next visit but, it's been more than a week and I did not even get a call back, so this quite upsetting because they did not want to compensate in any way , you know so


ya but they did not call me back again even if they could not do anything they should have the courtesy basic, courtesy to call me back and let me know that err sorry you know nothing can be done we hope that uh, this is just a learning experience for us or what nothing


okay so it makes me think that okay maybe I will not want to go back to Fish & Co because this is how they are their service is bad, I had another experience where my daughter went with my mom, and , they had diarrhea after eating the seafood


and when I called them err, err since it was not me when I actually told them that oh my daughter has diarrhea because the seafood then they were like oh do you bring it back home or do you eat I said no there was too much food so she brought it back and she ate it within a few hours


we didn't keep and they tried to avoid it and say that uh no uh it's not our fault our seafood is fresh and all and again once again refused to accept, the blame that you know it could be the seafood, that was not cooked properly even if it was fresh it could could be because it was not clean properly


ya so, so two bad experiences in Fish & Co, I, different and I don't think I would want to go back there and have another, bad experience because even if there's no bad experience I would already think that I don't get the value for the money I'm spending


ha yup ya so in fact I forgot about the first experienced my daughter and my mum had until the second time I went and I realised oh it's Fish & Co again


you know, so maybe they are not even trying to improve themselves as they say, they are going to and nothing happening they don't know how to, please the customer, I think ya


ya of course, (ppc) ya, (hmm) how about you any other, bad experience with clothes shoes


actually there are many shops that I think can be , not have good customer service because uh maybe their staff itself not very friendly, you know they either, like accessory stall because err it's a small store like lovisa and all uh


they usually just a you know keep watching you and you know somebody's watching you if you don't have anything no other customers they just following you around and then, they already make you feel like you are going to you are a thief going to steal something if they are not watching you and then you'd rather not go in at all


ya, , ya that what what is the, ya you have a CCTV you can any time just be looking at the TV instead of looking straight at us and, ah you know trying to watch what we are doing if we need your help we are going to approach you even if for shoe shoe stores is also like that


sometime they are just following you until you just want to leave the store you don't want to shop


so I also have I also have bad experiences at my NTUC where they are selling, fruits, and vegetables that are rotting and I've taken pictures of it uh I've given a feedback to the whoever is at the cashier and they will tell me that oh that is not the their problem they are not the ones who


uh putting the fruits out or is not their job to take it away it's all those the merchandiser has to come and do it and uh, it's got nothing to do with them so they don't even want to help you and they are like don't don't even tell me


then who am I supposed to speak to and then I call the manager and all they also tell me that oh this is not part of their job their job is only to manage the cashes, so as for me ya I don't even want to go back, to the NTUC store and the few times I went I actually bothered to bring back the fruits to show them that uh I had to pay four dollars for these two apples and one of it is rotting


and then they go and find and then I tell them you see there are so many other fruits that are also not good why don't you all just remove, it and then they are like they don't know what to do because is not their job and they don't even know who to tell and how to, you know so now whenever I go to the NTUC I see that there are many fruits and vegetables I think many people have had bad experiences until nobody wants to come there and buy fruits and vegetables at all anymore it's only I think the frozen food that is getting sold and


you know the food on the shelves, nothing fresh fresh food I'm even afraid to buy the meat now because I'm thinking that you know it, we just left out and there's no door and it's not even cold enough this is not in a mall


it's uh under a block


yes so when you compared, compare you know that you know it's not the same everywhere , all the NTUC is uh run, on their own they have to make sure they are maintaining the the the what


the certain level of a, a, freshness and all but is doesn't happen everywhere


so if I want to compare I will just compare it with #sheng siong# where the people the staff actually, bother to walk with you and find the product that you want and all the meat err in tact in , fresh ice and fresh meat, and, uh covered in ice cubes and also it doesn't go bad


ya , well you could try visiting one soon might see the difference, okay ya ya


but actually most of these places is all about convenience so you are actually shopping in a supermarket because it's convenient for you, if, and I don't have a choice the #sheng siong# that I'm talking about the good service is somewhere else it's like ya


so ya but , yes, so cold storage uh also has I had a certain bad experiences but uh, ya still not as bad


like if even if the food is , , not as fresh and all, err, ya they will tell you that, oh they are supposed to sell these certain cooked items until five PM in the evening before it is put out


to uh, at a discounted price and even if it was like a four forty five they tell you, you shop around then you come back, it's not that anyone's watching or anything I said eh you just going to put it out at at a discounted price in fifteen minutes can I just take it now


then she was like no no no you need to walk around and you need to come back at five after I put, I shift it to the other side so, that's also varies tweak, uh, and they cannot uh make any small changes for you they rather I think they rather the food go bad then to just let someone buy it


you know so, I remember having to wait around because I wanted to buy that uh uh the food at a discount


, how about personal care and cosmetics perhaps , any products that you use facial products uh for guys


okay (uh huh)


okay !wow! that's bad for product from body shop, (mmhmm), okay ya face scrubs can be a bit too harsh for the skin but I'm surprised that it is from body shop and this has happened ya supposed to be very careful


[orh] okay what plastic (mmhmm)


okay, okay oh, okay that's so bad, (mmhmm) okay


ya that shouldn't be the case with body shop I hope they eventually some changes in ah I'm I heard that they have made some changes and now the


facial products are very mild , and uh I heard similar similar experience with neutrogena where I use the, facial wash and it supposed to be for oily skin at that time I had some acne but I think the facial wash were actually really dried up my skin until I could see like flaky skin and when I went to do a


facial the dermatologist actually told me that uh the facial product is actually dried my skin so bad that my face was like forcing the oil out, and that's actually bad so I would never recommend neutrogena to anyone even if they had pimples on their face it


was too dry, ya I've heard other people also mentioned in the same problem with neutrogena , I am not sure if they make any changes with the products because I did not buy


painful as in or I would say that it was, it was quite a costly product yes


okay so I would say that , ya the prices were rather high for a product that you can get at a drug store like watson guardian and compared to the other like simple and all these were quite high prices and I was hoping that would work but it did not and then when I actually switch to simple


it uh improved my skin condition and, I was happy with it so, I don't think that uh they should be advertising for oily skin and make people buy that, so like very bad


how to say marketing on the product so


a kind of a superfood drink I'm taking the doctor oat drink that I bought from I can buy from any pharmacy uh supermarkets it actually contains all the super foods like all the


beans uh oat cereal , and all that uh actually helps me help, what's keep me full so I can skip a meal which I usually do at dinner I don't have a


a dinner at all the most I am eating uh fruits and this drink that I take , around dinner time keeps me full throughout the night so I can either mix it with, uh water juices or milk and


and , it doesn't upset the tummy I know some cereal drinks uh maybe , bad for your tummy if you are allergic to wheat and all but, but so far so good, ya so this is one of the products how about you chris


so that's why I switched


okay so previously, your milk was it a milk that had some other grains in it maybe that's why couldn't mix ya, so it's okay to mix with milk that is cold I think it's not really good for


uh, water that's hot right so if you if okay so you since you like drinking the uh, this drink cold then is okay because for me doctor oat I am drinking it warm so it mixes well with hot


okay ya of course it's uh more feeling if you, add milk to it right ya okay so is there any other


uh products or services that err you have a very positive feedback on


okay oh, okay how was that


okay so they must be having very good customer service training, that we don't have here because in singapore it's not good customer service all the time most of the time like in one in Starhub,


they don't even know your problem they just shift you over to another person and then you have to right to repeat your whole story and then sometimes they just give you the contact number they don't want to help to even transfer a call and they may not even call you back, right so


having good customer service is very essential, so, yes ya , I can also speak about a service that I think has good customer service that is #sheng siong# supermarket where I always see that they're more helpful than uh if I want to compare it would be with the NTUC at my neighborhood where they always


not very willing to uh, take your feedback, you know because I'm always seeing rotting vegetables and fruits at my NTUC but I don't see that happening in #sheng siong# at err the supermarkets and they're very helpful if I want to find something they actually walk with me to the different section and


even recommend things to me and you know spend a few minutes until there is customer satisfaction, and you actually get what you want which I think it is it makes, it a very uh, happy place to shop for groceries


well I have been to about two to three #sheng siong# and I see this even if you want to return something and all they still take your uh


whatever you are returning and they they are not pulling a face so it that happens NTUC where they just want to you know they're not very happy in any return products so I have, returned even uh frozen food at #sheng siong# and they took it back because I told them it doesn't taste very fresh looks like it has been out for a while because sometimes some people will


take something and they don't want it they just put it there at the nearest shelf they're not going to put it back in the freezer so I was just explaining and they were willing to you know replace it or even asked me if I wanted uh to change it change to a different


item so I like that customer service there, ya and makes it a, a good uh positive, experience shopping for groceries all times, ya so I can also uh do you have any other


things to talk about product or services, cause I can think of Uniqlo, where a few times I've bought things, that are of different sizes of my daughter bought something with my mom and I wanted to change it because that size didn't fit and didn't have the receipt and I could just walk in this happened a few times walk in and uh


if I still have the tag even if is removed they actually do a one to one exchange uh I've even been offered a refund so, that is very good customer service because I am not forced to keep a product uh after one week just because I bought it and uh I don't like it I can just get my money back do you have such experiences


ya so that I can see, okay ya I have that experience where you know it doesn't matter if you bought it from one store you can go back to another store and uh exchange it maybe


that stall you might find the right size, ya yes ya okay


ya so I think even the online uh, site is good because they have uh discounts which I actually just found out they have up to five dollar off if you going to buys , something worth sixty and above


so ya, that makes me want to shop, oh they deliver, oh okay


oh I didn't know about that and the how about if one store doesn't have it today have the service of bringing it over from another store right to your nearest store so you can pick it up


you don't have to travel ya I hope, ya, that reminds me about the the services at the national libraries where you can reserve books and, they actually bring it to the library of your choice so you can just collect it


have in ya okay ya yup correct , (mmhmm) (hmm)


, ya I can't think of any other product, at the moment I only think of services and mostly err shopping centres at good experiences in, ya


recently let me think


most of times I think I'm just looking for a good promotion so if I'm satisfied with the promotion like err recently at marche they were having uh good breakfast deal so , I was happy to have a meal coffee and a juice and it it was actually uh I can't remember how much but it was value for money


so ya that itself is already a very good service that uh , I might want to that makes me want to go back, so again how about you, okay


(mmhmm) (uh huh) okay yes ya oh I have that too (mmhmm) okay yes


so you feel like you after you have bought few drinks you actually get one drink free but that is actually just accumulating the points, but , ya so that is very positive experience I mean I have


uh, gone to starbucks uh quite often and uh I also, think that the way they are constantly changing the food menu the drinks promotions is good because you don't see the same food all the time I think it changes on a monthly basis so you have different cakes different pastries did you know about that


ya it's not like okay for me it feels like I am not going to the same restaurant and eating the same food all the time because I have a variety to choose from every month to because once when I went there they told me that oh this uh, item, uh stopped selling for this month because we are having another promotion for the month and then you come back maybe three months later and then you'll be repeating what they're selling again


which it makes a customer want to go back, and even the drinks promotion it is actually pumpkin spice season now because it's halloween and its sold out we cannot to get the pumping pumpkin spice


, any other time except during the halloween season till next year, will be looking forward to drinking that again


yes ya yes I've seen that, ya that's that's good you enjoy it at home and once in a while you want to go out meet friends you have your Starbucks at the restaurant


okay either one works with the coffee machines right Nespresso and a Dolce Gusto, (mmhmm) ya (mmhmm) okay


okay so I'm just thinking of a product experience that , I have uh buying shoes at Charles & Keith, that uh, so far all the shoes that I've bought actually I think it's a perfect fit and uh


comfortable to wear and uh , at times you buy new shoes and there's actually cut at your feet because you it takes some time to get used to and I don't feel that happening when I buy shoes from Charles & Keith and together with good product


comes a good service where they have also taken back an item that I actually got uh wallet that I didn't buy was a gift that I didn't like it I just brought it back, to Charles & Keith and told them was a gift by the person most probably bought it last month and they took it back and I could actually exchange it for something else so ya that's another good place to shop


okay (mmhmm), okay


ya okay , they didn't check oh okay, oh (mmhmm)


okay so no questions asked


oh okay I'm on it, okay, (mmhmm) oh okay, so I guess it works with anything you buy there right shoes clothes I'm not really aware of all the things that are sold there but I think ya most of the big uh retail stores look like look like they're very friendly and


(mmhmm) ya okay (mmhmm) so is there anything (uh huh) ya so


how about any, daily necessities or essential services that you think is, it's high standards and, you are happy like for me I would think that my neighborhood shop


very friendly and uh, uh, sometimes I don't have cash I'd have already taken a few items and then they will be like oh it's okay it's okay you just bring it home next time you come to the shop and err you can pay, they're not even keeping a record so this kind of


uh services friendly neighborhood this is very important I think so, so this is all about the, people in singapore singaporeans and most times people say, not everyone is very uh friendly and courteous but then I believe it depends on an individual


uh okay ya that's how it should be


okay but do you only have a account with POSB or do you have, an account with other banks as well


okay so your your K my own account is with POSB uh I only have accounts in one bank uh several accounts but in the same bank uh never really uh, the the idea of putting it into different banks never appealed to me


uh I think ultimately you know regardless of the interest rate being, slightly higher in other banks I think it is still not that attractive enough to actually, put money in for the sole interest of


growing your money I think that interest the difference interests is not going to make much of a difference, right so like for, ya I'm using POSB bank uh actually I had plans to to uh for long term savings to invest so you know it's my money is sitting in the bank I just haven't


go did done the first step to go and start investing them I have ideas and I know what exactly what I want to do it just you know that that first step because uh, actually I do know what I want to invest in I just haven't done it so ya ya


no actually I have no plans to go to the bank and ask them to invest it for me cause I'm going to do my own investing I'm looking at ETFs uh electronic traded funds so that that is something I'm going to to it's something I want to do I need to do and I need to go ahead and actually


do it, err ya so I don't have like a fixed account you know where a fixed deposit account uh to grow my money my money is just basically just sitting in, a normal account so ya ah POSB err same same reason I choose is


uh similar to you, I think it's a good neighborhood bank, , you know it's a good national bank as well singapore's bank, and the err accessibility and the convenience is very very hard to beat


ya from you know from the from from our time back in the eighties I would say


the interest rate is pathetic yes, uh I have a debit card that also works as a credit card, I, I think you have the same thing don't you


ya but, okay the thing with credit cards right I'm a I'm a heavy, a credit card user, and, and I think that using a credit card it's actually very hard to beat when it comes to the kind of


uh savings that you can get you know depending on the type of card that you use, and you know the benefits that the card a different types of cards can give you I think that's if you can make use of those features, it will be to your benefit


it is not off, ya see the thing when using a credit card I've heard a lot of people say you know like similar things to what you just said you know I don't want to spend money that I don't have or you know or or overspend without knowing exactly how much


so there is a there is a way that I I keep uh it's my own system where I treat the credit card like a debit card, so , every time I eat I I keep track of every purchase every receipt every online transaction I'm entering into my phone you know if I don't have a hard copy receipt I enter whatever I spend on online or payWave


right, and then I will, just do a a internal transfer from one of my bank account my my the account that I'm using to, you know from a daily use I'll just take that money that amount of money on that receipt or you know on that transaction and then I'll immediately transfer to my savings account in the same bank so it's just all online banking but this


you must you must


ya but you see not everyone has to do that depending on how much you make like you know I know people who are making a lot of money they don't care they don't have that worry about you know uh keeping track and they can just keeps spending without knowing but, I don't have that luxury I think a lot of us don't have that luxury


right so this system actually works


okay for, so you were saying that you're you are proponent for proponent for a joint account


for the sake of doing, household expenses


okay ya for me I'm totally err against having a joint account, I have done it before and I don't like the concept of, of not being able to control the finances because although it sounds nice I mean if both both people were on the same page like okay this is err you know our household account then we're going to save money here we're going to use it for


household expenses or for the family you know for travel whatever you know whatever you want to do then then will be okay but I think is, if you don't have that common understanding it is it's not going to work uh I I personally experience you know me being the person that saves the money every month I'm putting money in but every month it was being taken out for not for household expenses so