twenty five to about thirty five it's all about wealth protection so that said four tables right sorry the four legs of the table I'll ask which one is the most secure if the one isn't secure I'll ask why, if they don't have a policy in place ah let's say hospital income policy which is simply for those who don't know you just go to hospital for whatever reason you get cash daily so we called it hospital income uh if you don't have that then why


if you do have something and I'll take a look as an agent ah uh can I take a look at your policy a policy review, I'll look at uh what are they insured for lah how much per day how much per month or whatever but most of the time again for like health insurance ah I think it's a overall package lah and most of these uh companies also like manulife AIA


they sell you in a package what the only thing that is not part of the package is uh , uh travel insurance ah yeah travel is usually a bit like uh on its own, but that said I know some people also will probably discuss this later if you have time uh the ILP right investment linked products or even certain whole life plans then all your health part ah your health insurance come in as rider but there's a thing because it's rider you are


probably getting less coverage lah but again it really depends on how good your agent is in compiling all of your policies and giving you the best solution uh so I hope that covers uh eleven you were talking about, okay number ten what do you look out for in an insurance agent what question would you ask your insurance agent when getting an insurance policy


so the table have turned in this case I'm the prospect and I'm talking to an agent or I'm looking for an agent I would say it's I know it's a big cliche ah but I think that personal connection ah, because you you you three of us can go to I was just walking at around Bugis that day near raffles hospital so a bunch of insurance agents stopped me


and then sure they you can give them the time of day and say like oh I'm already secured sorry I'm already insured blah blah blah then they'll ask you you know !oi! what plans do you have and all that and like bro you want me to log inside my CPF like you want me to go inside my portal right now and check so this is what I realize you know


uh furthermore I also do videos for some of these insurance companies uh back in the day most layman ah they don't care about the nitty-gritty I know it's very it's a bit harsh to say lah they just want to know what am I secured for how much and all that kay so this is what I realized ah


maybe I'm wrong larry so please feel free to correct me zuffrie also prudential I think is probably one of the most expensive plans in all of singapore again it depends on what plan so I view it as the louis vuitton of insurance AIA comes in a good second maybe AIA is like kate spade or coach


however I would say because I just renewed some of my plan in twenty nineteen around july as in I'm secure uh insured mostly by AIA although I got one just for this I took out my plans you know, like I research my plans but I got one manulife also ya and then back in army zuffrie I think you also got the aviva accident plan right ya that one oh you no you never take ah okay but I stopped


like two years liao lah uh the moment I paid service I stopped it okay that's it what was the question again ah (ppc) I realized it's always, it's not about how much you're being insured and all that it's more of, your relationship with your financial planner so when I uh got this AIA thing I also have a small endowment plan I believe it uh by a short term one ah is only for about ten years


so after ten years I'll get a lump sum of money right and this is for I don't know children or marriage or whatever but I realized is always the relationship ah, my all agent in prudential ah which is way long ago probably two thousand ten the woman she saw me right she just left you know


she just left and like I remember I contacted her because I I wanted to travel or something and then I you you can tell the agent is very absent so the to answer this question ah what do you look for in an insurance agent it's, availability and the agent being there for you


not so much of like uh you call her at one AM she's there for you of course not lah but sometimes like you just have some some question and you know this question doesn't bring the agent money you know it's just an inquiry sometimes is inquiries for your cousin or your friend where the agent is sincere and quick to reply you I think that's what I'm looking for


ya wait there's a two part to the question what questions would you ask your insurance agent ah when getting an insurance policy, honestly the the whole bandwagon lah whatever questions I have I research first I write it down somewhere and when I meet him at coffee bean starbucks or coffee shop you I just I just vomit to him I ask him everything and this was the true story lah I asked my insurance agent


what can I do with my current situation, what kind of savings plan do I have according to get married in about two three years time if my CPF is this much, let's say at fifty five I'm going to withdraw it right or if if can withdraw lah cause you know CPF keeps changing uh the minimum amount to withdraw right but what can I do to maybe withdraw a x amount under AIA maybe at fifty years old or sixty years old obviously this we are talking about retirement plan already lah


ya so I just vomit to him everything as much as I can, alright next one , what do you look out for when buying an insurance policy do you see insurance as essential expenditure or answer the second part first


initially when I was younger I thought it was not important maybe it's a bit embedded in culture the asian culture maybe the malay community last time we believe that insurance is not you you're trusting something other than like you know your your god and all that


but I view insurance now ah as maybe necessities is too strong of a word but I believe if you don't have insurance ah you are selfish you know case in point if I get a stroke and then I'm bedridden then my insurance is


okay most insurance plan health plans cover stroke lah but I don't have a replacement income then game over you know game over my parents my siblings and all that yes they probably help me out but I think they will be cursing me every day you know so if you have the income replacement it's as if truth be told you


you never get hundred percent of your replacement income even if you're a doctor you're a pilot or whatever trust me most insurance plans will cover maximum about seventy five to eighty percent because you guys know lah all these insurance the, fine fine lines in the contract it's always like okay you want you have a stroke but then you can still walk right they call it uh activities of daily living or something like that so maybe you can teach how to be a pilot


after three months of your stroke then you recover partially or maybe fully you cannot be a pilot of course not cause you have a history of stroke right but maybe you can teach in pilot school all these kind of fine lines is always there one so, rarely they will in burst you hundred percent but that's it having seventy seventy five percent of your monthly income is better than zero of your income


ya so I think I'm good with, uh what do I look for in buying insurance policy, eh sorry uh essentially expenditure I see the message larry but I'll just answer this one quickly ya, what do you what do you look out for I would say the best combination ah the best combination of uh


uh for health ah hospital replacement hospital income uh critical illness, and what's the other one ah what did I say just now critical illness oh uh disability whether temporary or permanent okay so now to zuffrie which three questions would you like


it should end at wait ah two thousand, no but I I just started about a year ago so it should be about, ah correct correct I will I will !hey! kyrie


uh it depends on how you pay the premium ah if you pay one shot for annual right he gets that one time commission but it also depends on certain plan some plans are perpetual means every month I earn the same X X uh X amount but some plans is decreasing by by the month


so that's the thing lah zuf uh it is, endowment whole life plan and what's the third word ah investment linked plan they're all sort of similar but there's some differences and like what you said some of these plans you can transfer to your next of kid your son and all that sometimes when you hear you know rich guys they pass away and then


uh the son makes a donation under the father's name that one usually I can bet uh the father had a big uh investment linked plan lah, ya so definitely this we can talk offline but uh I want you to know that it exist ah there's always a guaranteed bonus and a non guaranteed bonus but of course we want both to merry and you get that lump sum


(mmhmm) correct how we doing larry under the the chat


negative experience, okay uh I I'll go first okay sure so number one I would say, customer service ah this was maybe less than three years ago but because the memory uh was a bit bitter experience for me uh therefore I think I remember it uh I was at levi's and boon lay jurong jurong point jurong point ya boon lay uh levi's and


I get it because sometimes is how you dress right but to be fair it's a heartland mall I mean I'm not entering ion or something like that uh I'll I'm not entering MBS shopping centre I was in you know sandals and all that but I came with an intend to purchase a pair of jeans you know


uh maybe a t shirt to go along as well and the thing is I was with my nephew one of my nephews, and it was more like a uncle nephew bonding moment, so I was that day I remember I was trying to introduce him to you know fashion he just entered polytechnic this is my oldest nephew by the way my sister's older son


so ya I was trying to buy some wardrobe for him lah of course not a whole wardrobe he has his parents but is an uncle treating him it didn't help that when you enter the premises uh you know we look around and all that I remember this uh, filipino guy maybe he has issues or what clearly he he was holding some form of managerial position because everyone was seeking his advice for other other matters so he was uh watching me like an eagle you know as if we were going to shoplift uh and then I know I looked around and around and he's like


sir anything I can do I said no we're looking around first I'll let you know less than five minutes or lesser anything you want anything you want that hostility is not appreciated you know it's as if the way he ask you ah sir anything you want anything you want it's to say if you don't want anything


get the hell out of this shop so, I don't know maybe he had a bad day maybe he fought with the missus maybe he is uh his s pass is expiring so he needs to leave the country I don't know but uh yeah it it it makes you think ah that bad experiences you'll remember forever ah uh and it's been maybe more than three years already because uh my oldest nephew is now


year three polytechnic yeah so that's number one or should I say number eight number nine bad dining experience, (hmm) this would be this was (ppc) excuse me


quite recent uh national day weekend last year twenty nineteen, I'm the youngest out of my uh siblings I brought my two parents out that day we had a function sorry uh we have a object objective the objective was to buy my father who is a overweight a pair of good adidas uh shoes for running I call it walking


maybe use it for every day uh work because his work is kind of casual right so I remember I was at royal sporting house marina square I bought him a pair of adidas one of those boost lah zuff I think is the most expensive one lah ultra boost or something pure boost


uh and it was great so we were moving we walk from marina all the way out we ate at fish and co marina square which is very near the entrance and I I totally understand national day weekend maybe not national day weekend maybe it was one of the rehearsals but bottom line is it was crowded


and I totally get it we ordered something simple one of the platters the objective wasn't a heavy meal eat eat until you're full it's more of like, !hey! we we missed lunch it's not dinner yet let's have something in between, so it was probably about five o'clock, uh but !hey! we waited for a good ninety minutes for our food you know ninety minutes with no one uh even setting up the


you know the fish fish knife ah fish knife fish fork no cutlery was set so it's so obvious that there was a service lapse don't get me wrong, all of us has worked in probably I don't know f and b when we were uh finished o levels or something like that I'm not expecting hotel service but you know once your cutlery isn't set they overlooked your order


and one hour is still fine again national day weekend or is it one of the rehearsals for national day weekend but ninety minutes is too much you know so guess what, when the food finally came again we didn't make a big Hooha out of it they had the cheek to tell us like eh uh can you faster eat and because they want a turnover like why what is like that this is not coffee-shop you know so uh I got really pissed


uh when we paid I remember I told them I want a discount this is not acceptable , only then then they said oh I'm sorry the waiter that handled you uh has like in mild autistic or something like that to be fair she doesn't look like it but okay now that I think about it sure but I I this is when it gets a bit gray do you use that as an as an excuse


or isn't she supposed to wear a tag or something or maybe you could tell me this a lot earlier within the ninety minutes of service like I don't know with fifteen minutes after you take my order or something like that, and even if you let me wait ninety minutes me and my hungry parents ah, you could have at least come to us every ten minutes or so and let us know sir sorry uh will it's it's still take awhile I I I do apologize that's it apologize I might be pissed you know but at least you give me timely updates rather than just leave me in the dark


ya so that's the negative dining experiences I remember recently ah and last one would be, okay telco I was mentioning about starhub right so unlike zuff where he has uh m one here singtel there


uh mine is everything under the starhub bundle so I remember when this house that I'm living in I used to live in another part of woodlands this is a another another part of woodlands we bought the starhub box over and everything's fine but because we need to update and it's not by choice starhub tells you that !hey! a new


what's the word ah zuff set up box ah, or cable box is going to come over so you just take the old one put it aside so the thing is the old one uh what to do with that unit that was very weird you know someone mention over email or what to me you need to send it to the starhub place at plaza singapura the one at the basement


some other people said oh call someone and they will come over so I decided to call customer service they said okay go to plaza sing, I went to plaza sing alone uh went to customer service then say oh no is not under us is some other department and this and that what I'm trying to say is they give me the run around and from here now that we are all older and you know family man like yourself zuff I realize that


sometimes when an organization is too big right there will be all this, uh lapse in information so one department says this another department says that ya so in the end ah until now the set up box is still in my house you know just collecting dust I get the logic because that unit they can't do anything about it even if I give to


whatever starhub department ah they just going to you know scrap it like it's under wastage or whatever but someone I remember very well I read somewhere you cannot throw it away because I don't know might explode or whatever but bottom line is still sitting in my living room right now under a drawer just collecting dust


so nothing too like I'm not try going to write a long facebook post about this and tag starhub it's not to that level is just to that extent of, sometimes uh organisations too big too much rules and regulation or too much instructions it not everyone might will be in sync ah ya


so that's it onto you zuffrie, (ppc), (ppc) excuse me


ya


if not #tambuah mas# is at uh marina square the outside part


if it's cuppage then beside it centrepoint lah centrepoint is pretty old until two years ago they renovated


if I may add ah I mean to both larry and zuffrie sometimes like us as humans we do sympathize I do realize working in f and b last time when I was a teenager every-time there's a change of shift that's when usually like orders are not been transferred properly and all that


I remember when I was in langkawi this was years back I think I was in I was sixteen or something uh something like this happened but because it's a holiday family holiday, no one no one wants to put someone else out of business we all happy I remember I waited for fish or something like that for a good two hours also uh


but at least they kept updating us but me and my family members we were joking lah they will probably catching the fish behind the pond there because island resort mah langkawi ya so continue to


no obviously there's a lapse in uh communication uh breakdown lah, there's a lapse in communication the commission communication breakdown so end of the day bosom to system and processes end of the day ah I think being a waiter and all that it's still very human base you know


so uh I can only imagine the chaos that's happening with all this grab food apps and all that right although I I even I walk around coffee-shops I see the order being process you look at the people cooking and all that ah they are stressed out as shit they are I mean I think they are being paid lesser than they should ah with uh all the additional work


ah not to , no no I think I technology is great I I especially love cashless payment it's to minimize things like you know error in payment and too much, too little uh corruption even though singapore I think not so corrupted lah but sometime I sometimes I believe the whole technology is catching up too fast and then people are not and moving too fast people are not catching up


, (ppc)


or sometimes is is not as if you check right there and then what it's in the box you got to take it out and then the person delivering it can just be a courier person is not attached to the company and all that


ya cause you want to you want to be that pioneer right that invested in the the whatever start up or product or service


positive product review


the uh thai eh no Bhai #bhai sarbat# uh #kampong glam# cafe Minang Minang, (hmm) fika fika


I think it's okay lah it depends on the occasion lah, yeah, ah oh it also depends on if if your wife ask you how much do you love me


(ppc) alright for me uh nothing too fancy about uh telco I would I think sometime early this year just before COVID I bought a pair of a loafers


because uh I know I want to expand my wardrobe right so the thing about loafers are a lot of singaporean guys or maybe asia they'll wear what we call it's supposedly called moccasin or or moccasin, it's uh some people call it driving shoes because there's the the fiction thing at the bottom so moccasins is slightly more informal I would consider them almost boat shoes although boat shoes have this thing on the


side right like the the thread thing but I want to wear for office wear when I'm wear a wearing a blazer and all that, so I have all these fashion question though so when I was at uh pedro, pedro or aldo I think pedro I remember it was at serangoon uh next NEX mall and the the the staff there this filipino lady she was above and beyond because I was asking and asking questions


I can understand her function is just to sell up sell maybe you know educate the customer and that's it one sale done I was taking too much of her time you know as a customer I'm very aware of it of course it wasn't a wasn't peak period lah it wasn't like eight o'clock in the afternoon in the evening or anything like that it was about three PM on the weekday yes


uh no a bit older almost auntie already, so , (ppc) I'm sure she's young and single it also doesn't change the the level of service , anyway anyway uh


my point is I was asking her more fashion related questions and I'm very aware that pedro is under charles and keith, it's not exactly the most like Atas brand and but what they're giving me ah is almost like almost ah almost like #louis vuitton# coach standard you know when you enter the shop premises and then they really give you one on one service


he's actually right so uh like my point is I think is not the shop it is the person in this case the sales salesperson


uh I mean I've had good and bad experiences in levi's too but that's another topic for maybe later so any, anyway the story doesn't end there you know I bought a pair of tassel loafers was fine and I remember she mentioned something about, warranty for six months or something like that because I really big toes and then I was in between a size eight and size nine so she said never mind you go home if you're not happy you change so what happen is when I went home I wore the loafer the very next day for a function


for work and then I scratched it you know, scratch like the near the heel there or something wasn't so obvious but I scratched it so I called the the outlet then I said can I change one for one or not it was possible lah so I don't know whether it's part of protocol


I don't think I'm doing anything illegal or she can refuse me or not refuse me but she was like oh you just go to any of our outlets and just change one for one you still have the receipts right I say ya so I did but I forgot whether I went to the exact next location NEX mall or I don't know the one in Jurong or something to change I forgot when ya one for one exchange


so who would have thought but I will I it's been more than seven months ah I still remember that quality service she provided even till today so I would say that's a , so that's for number one number two dining experience would be


nothing fancy uh I think it was it was swensen's but which part of orchard ah I forgot uh


(ppc) correct it's it now no more for about, three years already right ya, want to but this was a one back news on maybe two thousand thirteen uh I was definitely younger, I didn't dress well it was kind of late I was with this girl I was trying to impress her I think the waiter helped me out so the the


the name is not important is not part of the question bro so <P2>larry</P2> didn't put the question what's her name what uh so, so my point is maybe it's like youngblood and youngblood I think he was about my age probably he's a part timer


he I think he gave me something extra he gave me like extra dessert or something like that, so nothing over the top nothing like !wah! silver platter service you know this is not ritz carlton but sometimes the human touch goes a long way ah so I don't know whether I'm answering point two correctly or not uh because there's taste and presentation of dish quality value for money definitely quality been


not part of the question either alright you can do that, but I think definitely quality and value for money because uh I got more than what I paid for but, design uh I can't answer that I don't remember but definitely good very very good uh customer service


(mmhmm) uh, so for telco , !wah! this is I I I cannot answer this positively I'll answer this later under the negative portion if that's okay with you larry


(ppc), okay wait I think I I remember one when uh this also like twenty fifteen when the starhub uh cable TV box was some the older model I recorded some shows inside and then when once it's recorded right not many people know how to take it out


as in transfer it to a you I don't know hard drive or something like that so I called customer service, very few people know you know they've give me the run around they give me here they give me there and I I don't blame them and guess what the end result is still I cannot take it out because apparently


apparently is for recording and for you to view it later you know like you want to catch your favorite korean drama you record it set it on timer go to work do whatever you need to do come back and then view it it's not meant to be archived for you you know like a like a DVD or VCR it's not


ya but I remember because the the the people they will, like they they know that they do not know and the way they explain too that was so gentle, ya that much I remembered lah


sure sure thank you mister zuffrie,


yes I had


then uh is it better now less breakdowns no more breakdowns


I believe it's just a one time unit [lah] it's really unlucky that one unit is at your house


part one finance


okay so I do have a saving account but is a combined savings accounts with my father, my parents will put up for me when I was a kid currently I'm in the process of choosing which bank offers various services in terms of deposit or fees and charges


the need to maintain minimum amount of balance and of course uh people usually look at the max annual interest rate for me I look at the minimum in annual interest rate before I choose to open a saving accounts, ya so currently I'm in the process of like searching for a good one I'm considering either DBS uh multiplier account or OCBC three hundred and sixty account yup so I'm looking into that or HSBC


uh since the offer better options and better services


yeah I agree with you I don't have a credit card either actually I do have a supplementary credit card from my dad I don't usually use it unless I have to, mostly for travel use like if I were to go abroad but I mean since COVID we don't travel but I prefer to use debit card there's also to know gauge your spendings and right


now particularly in POSB or DBS they have these mobile app where they give you a graph a report into show on your spendings so it's kind of great to have that option to you know to see where you usually spend on your money so you can gauge how to


budget yourself also not having credit card is also kind of good in case you overspend and then you have to pay extra interest rate , and particularly for now due to COVID there's a lot of people that uh gets retired have to retire retrench or simply lose their job so the uncertainty right now it's just high


and having to be aware about your spending is very important so I feel that most of us actually, do not foresee this COVID coming on, so we kind of like, overspend back in then not thinking about the future properly just thinking having twenty percent savings is enough actually no it's not


ya so no to credit cards for us for now, do


ya I'm I agree on that so I feel that for this question five at age what age what uh should a child given an ATM card I feel some time in late teens or mid teens that would be great however awareness or money matters education should be done very early very young


I feel that having a first hand experience be very important say for example you want to open a savings accounts even a combine one with your parents you should bring the child along, and then you know have the experience of what's going on what's going on in a bank why you should go to a bank why you should keep your money in the bank I feel like parents should actually conduct or have that session


you know have the outing with their child to make the child understand the importance of money saving money and then yes the importance of having a limit or a boundary I feel like a bank should have that when they do give a card to a teens or late teens like shafika mentioned just now


having, uh online shopping influences of having branded goods up that's very important for them to learn the importance of money saving money I end up overspending so I feel that at mid teens is very important and should a couple actually have join finances yes and only when they are legally married


because if they're not legally married it's actually not easy to close an account claim back the money who actually deposit more who withdraw more , so I feel that we are legally is just so much easier in terms of law for you to settle down also to ensure that the purpose of the account was it for clearly for their houses for the emergency funds for their child children related or for anything that is for home expenses


and family expenses I think they have to be clear on that other than that like shafika say every individual should have their own secrets large fund yes that's very important whether you're married or not, yeah uh


and then do I have a yield a high yield bank account of fixed deposit apparently no not yet unfortunately lack of funds but definitely I am considering it so I'm trying to save up for that because I would love to have a secret slash fund too, uh where do not touch at all but I keep on depositing money yup that's what I need right now because at the age of thirty I feel that I really need to think about my


silver silver age so yup and ya cashback, points or miles uh whatever credit cards you think people should, be using I guess it depends on the person's lifestyle does the person travel often for both work or personal does does a person prefer to earn cashback or points in all honesty I prefer cashback because points are rather a pain to redeem


they have so many requirements just to get what five dollar off my bill so, I feel like cashback is so much better and faster to redeem uh , uh uh correct


and there's expiration date (ugh), (ppc), yes we do we do yup


ya and and cons about miles is at depending on which type of credit card you actually apply for aid also only applies to a different certain airlines only so I think that's one of the coins, that you need to uh really think about and, and


unfortunately I have no experience of purchasing insurance products from banks I prefer to go through an agent uh where I could you know on a one to one phase ah, facing them asking them questions questioning about the policy because sometimes I felt that buying an online or even through the app is just not enough you're not sure what are the other hidden clause that they have so ya


I don't prefer doing that either buying for banks I prefer buying it from a true agent, but where ah I prefer agent that has that is of a freelance or free agent he knows a lot of policies from other companies also rather than just focused on certain one insurance company so I prefer more variety of range


no experience approaching investment products either from banks banks are usually went for my savings only, investments are usually done through my inferring insurance agents and uh fund manager, also


ya how about you shafiqah, do you have any experience


uh so, so I feel like likewise for home loan car loans are similar like that too if you're not able to pay on time for the interests and everything they will just take your car away from you


ya so apparently for me never had experience in taking loans probably not yet I hope not so also in the near future maybe just if I'd like to purchase my own car yes probably I would have to take that there's no other option but other than that no I have no experience in taking loans


and , yup uh, as per mentioned some may argued that banks interest uh rates are unattractive apparently yes they are mostly unattractive but would I still keep my money in my bank in a bank yes definitely but and if possible if I do have additional funds I would invest elsewhere unless they saying do not keep


all of your eggs in one basket always think about growing your money in several ways so I would say people should consider also investing their CPF about at , on unit trust or et cetera or on equity so I feel that other options beside insurance also like CPF also uh can be invested you can also kind of like buy some unit trust and pay some shares but


on a personal experience level my dad did lose a bit of her CPF around ten to twenty K if you do not actually pay attention or uh keep track of your transactions I feel that when you do investment there's always risk so part of the rest is losing some bits of your heart and went into CPF


so I feel that if you want to invest in your CPF you should really think through and, and keep track of it will I invest on my CPF yes definitely but probably not on unit trust something else uh something of lower risk


uh


ya it's a bit cheaper right , yup so


ya I do have uh I do also have to personal insurance health insurance, and also a bit of investment insurance also but a health insurance as <P2>shafiqah</P2> mentioned it's very much needed in singapore particularly looking at hereditary looking at my family they have like diabetes heart blood pressure even cardiac history


so yeah cancer, so I do look for those when I do get my policies also I do look for options where like I could claim if I were to go uh to private hospital could I claim for the insurance so I look for that kind of policies also when I do get my insurance but you know unfortunately it is still expensive


it still kind of like draining my bank account in terms of my cash flow ya it's really hefty and and , I think part of the flaws of insurance is that they only focus so much on hospitalisation they do not care about after hospitalisation even after hospitalisation there's a lot of care that needed to be done from personal experience like my late uncle who used to have stroke he's a bachelor


we need to hire a live-in caregiver that's actually another additional cashflow so I feel that, that, our insurance policy do not think much beyond hospitalisations the only thing focus so much on hospitalisations they do not think about after hospitalisation care and that's very important so


I hope that more insurance policies will come out even such thing as like offering saving up for your own as you home in the near future I'm looking forward to that because I need to have, thinking because I'm still single not sure whether I'm gonna get married or not but even if you are married or not I feel that nursing home is still one of an option you should consider and


insurance should have that policy or even singapore government should actually promote silver town or actually have a nice silver town I mean we're all in a generation educated we would like to live our, mature olden days in a nice environment not in a room filled with thick beds like as if you are in the hospital because nursing homes feels like a hospital but nursing home doesn't have to feel like a hospital so I feel we should have that an ageing population is a real issue right now in singapore


so we we should consider that and, and there's also this insurance called if I'm not wrong from income they have this advertisement call the last sandwiched generation that really touched my heart uh because it's similar because you know


currently we don't really come from a well off family we need to support our parents also at the same time also build our own family and as also kind of a training for us in terms of responsibilities to help our own, extra investment extra cash flow is really difficult even though you do earn a huge salary is still a hefty


uh amount of money that you have to spend ya so I feel that our generation really need to consider a lot of things in terms of insurance investment saving accounts , having extra cash flow is very difficult so many of us are really uh restricted or I would say limited in terms of cash flow ya because we put most of our money in


ya ya so, uh


uh bills yup, yes, that's true


cafe hoppings , ya ya that's right


that's true I feel that there's a lack of awareness in this


okay, part three negative experience, uh, okay I'll start first ya <P2>shafiqah</P2> so for me uh it's a really personal matter personal care and cosmetics finding the right dermatologist is


like finding your life partner as you know <P2>shafiqah</P2> I have a very sensitive skin, extremely sensitive skin and I'm having very bad experiences also right now so I'm trying to find a skincare routine or a product that can work for me


and it's really difficult really really difficult because if you find a products that works for you but it's actually very expensive and you can't stick to that routine uh it won't help also because because


skincare routine it's like your daily routine it's a need to do and for me my skin have their own mood and, and I need to find this type of products that can actually accumulate to my moods accumulate to my skin moods because depending on the weather depending on the humidity level yes my skin do react to


how warm the weather is today or humid the weather is today how cold the weather is today, very important so , finding the right cosmetic products finding the right skincare products it's like, me searching for a soul mate me searching for a husband so yeah it it's it's it's it's not easy and even if you do find one that I mention


is it healthy for your bank is it healthy for your wallet so yeah I mean it's really very important for me so for me uh I've been going to the certain dermatologist and apparently, the product just do not work on me the diagnosis is also not right for me so


an option to find another dermatologist that is near to your home and good for your wallet and healthy for your wallet healthy for your bank is not just easy so I think negative experience for me is I have been to a dermatologist is that even body shaming they were saying that oh you need to lose that weight to actually have a clearer skin


doesn't mean you have you're in a healthy body weight or unhealthy BMI you have a clear good skin either if you gonna have acne you gonna have acne no matter what I feel that, uh skin is skin is the biggest part of your body it has you have the most tissues on it


it it it's everywhere in every part of your body and and I feel that it's just not nice and I just do not like buying a products from the drugstore or I would say like from certain pharmacy that guardian or watsons or unity because sometimes the salesperson just would like to try to sell their product on you


no no yeah it works on sensitive skin it will work on you whatever you actually to get it, ya it worsen it and the cause like sensitive skin reacts to even, a chemical that will just harm their body even ya it doesn't mean it is a hypo allergic product or it mentioned there or for sensitive skin it will work for you so I think that's very very important


so one one one of my worst or negative experience is going around finding dermatologist that actually could help me out, and finding products that can help me up besides dermatologist sometimes you just can't depend on the dermatologist product sometimes you just want to sell their product also because a dermatologist also


it's also kind of like a sale person because he try to sell a product on you and then like when they do describe you certain pills that are actually not good for you also to actually consume for a long term period of time and it will actually help to worsen your skin condition so yeah that's just not right to me is just


just no big no no for me, oh ya for, yes


yeah that's true I agree when you buy a cream or a serum you just really need to know what ingredients work for you particularly for sensitive skin or in fact for any skin just, it's much more advisable to buy a non fragrant product uh if it's yeah and if the fragrant is actually a natural product uh like naturally it comes from the ya from the ingredient itself for example rose water you know you know roses have their own fragrant yah so if you do get a rose water then


uh uh anything rose product if they have those rose smelling one then probably it's kind of safe, I think knowing your products is knowing your ingredients is also very important so as mentioned I recently read uh an article uh on vogue online uh because this this brand call the ordinary that is really popular and trending also in social media


and the owner of this ordinary brand said this, luxury is no longer defined by price point is defined by quality uh authenticity and shared values the consumer profile has changed they no longer just buy a product they buy into a brand and for too long in the skincare industry was paid with a lack of integrity uh in communication and pricing


so I really agree in terms of that consumers these days, really do make inform ya informed and knowledgeable decisions before they actually buy a certain skincare product because like you mentioned we need to go into


buying a product that is honest, in terms of the ingredients, and, and they have a fair pricing because I feel a skincare do not have to be expensive skincare routine do not have to be extremely expensive and you know there is


vivy ultra expensive brand that also influencers that been using it out and then you know uh in social media it's also where you can also see the lifestyle of well of people they been using this , le maire brand I mean why would you buy a seven hundred dollar worth of


moisturising cream where you can get where you can get a seven dollar moisturising good cream that does that does even a, ya, so


yup


one that works for your skin, uh uh


how about you <P2>shafiqah</P2> any, nice (mmhmm) what (uh huh) (mmhmm) oh what (mmhmm)


and they they made such mistakes while, or doesn't offer you how to how to correct the situation or oh


uh uh uh


so for me in terms of hotels uh for you is to travel when you go abroad for me a staycation you know it's a good hotel it's a good location great quality services ah I feel that hotels in singapore just


have, limited options when it comes to Halal diet some hotels don't even have a Halal kitchen so, and it's really a shame because it's a singapore we are actually a multiracial uh country multireligious country but you do not offer that certain diet


ya so to me when you for us muslims we need to actually uh, pick a certain staycation that actually have a Halal kitchen if we want to order something from the hotel that is but I mean it's not really much and or it's not really


a problem but it's really a shame not to have it, for me, arabs ya from middle east, brunei, uh


right so I, so I think uh


okay even for us locals we went we do want to shop or we want to meet up with our friends and it's during our prayer time, most of us would opt to have an option where we could where there is actually uh uh uh


a Surau or or or a prayer room ya uh uh a Musollah so it's it's it's very difficult and, I feel that how is this actually, how is actually our country actually, truly care for our certain community a certain community uh you know I feel they should have the options may in malls you know what even in airport you you want people to stay there and shop


and to promote your shopping currently right now if in COVID I understand in COVID most Musollah are closed because of , you know for safety reasons and everything else but I mean once COVID is clear please do have an option for us honestly and she want us to shop there and stay there longer have that option because


particularly for our parents uh in our generation I mean it's fine for us even just pray in a in a in a certain area in a certain quiet area private area but for all parents they not comfortable with that is not easy for them to actually uh cleanse themselves before the prayer


so I feel that we should have that so to me a negative experience definitely, not catering to our needs uh in terms of like like our dietary uh our prayer needs because we we ya so to me it's it's really like something to consider even before we go out or if uh we before we actually do book a certain hotel alright <P2>shafiqah</P2> because it it to us


I mean it should be easy and available particularly in a country like singapore ya but apparently is not ya so it's kind of sad as one of the negative experience, uh and in terms of gym also I keep a lookout for gyms that actually offers different type of exercise training not necessary just strength and weight training gym are usually focus too much on strength and weight training


I mean people like me uh that have bones degenerate at fast are not advised to do strength and weight training, I'm advised to do like exercises stretches like yoga pilates barre so these kind of options are not available in my current estates I need to travel out far to actually go to that gym


and unfortunately gym memberships are also quite expensive I'm not at affordable unlike other countries uh I know in south korea you can actually have a gym membership for only thirty dollars per month and they offer like, all sorts of trainings strength weight training yoga pilates barre everything in that one gym just for just thirty dollars per month in singapore nope


in a way you can get you can't even find hundred dollars per month ya and, that's right


uh,


I would say would say the type of food are we consume these days, too much frozen food too much , just preheated food ya unlike unlike in the older generations like really fresh fruit from the farms you know so for us uh we usually purchase the frozen kinds because that's the only available one right now and the most easiest one for us


that's right that's right, uh uh uh


variety , ya


okay talking about pesticide and everything like that I feel that even an organic business there's a lot of shady products out there that just, put in their table like organic but actually they do use chemical pesticides so and those of pesticide there's different types of pesticide chemical pesticide or natural pesticide so yeah I think that is something that matters also I watched this recent no not actually few months back


on CNA a documentary and about organic organic industry in thailand, there's this movement, will like do not just label your product organic just because it's from your farm you know you need to be honest again honesty authenticity sincerity is very important in all products worth for your money or not so


ya there's a lot of shady products actually out there you need to be very careful when you actually do buy a product it says organic you not sure whether it's organic or not, so because of the pesticide that you mentioned is being used and how actually they produce it whether it's clean or not clean that's very important also


ya and I feel like how I promote stuff or tell people not to use a certain product via friends uh via conversations that's being held right now uh with <P2>shafiqah</P2> like I would just tell her eh you know what this brand is actually like this is like this or according to


ya of course will reviews but I feel that word of mouth still is the best way to reach out to people not to use a certain product or or the product is just not good again it's up to individual, uh


for the skincare product , ya, don't believe in reviews , for skincare products is all about it's skin products, do skin patches girls do skin patches don't trust reviews cause they might not work for you yup


positive experience


okay <P2>shafiqah</P2> would like to go first or, alright for me it's on health and wellness I invested thousands of dollars uh and going for chiropractic or chiropractic therapy sessions it's been probably one and a half years it's I would say it's worth it I started to going for it because I have a lot of


upper back issues inflame necks nerves out of, sudden and then so I decided to go to a doctor go for screening health check and they say that my bones are, degenerating and actually a fast rate according to my age I'm already at the last stage of the generation so I don't have much collagen so I need a lot of supplement of collagen so to prevent that from going from degenerating even further and faster to to slower the rate I decided to explore


other options besides physiotherapy I do go for physiotherapy too but just not as often as uh chiropractic or chiropractic therapy sessions and I enjoy going to the clinic there because the doctors there and the staff there are sincerely want to help you out


so you could live a so you could lead a better lifestyle and they teach you how to actually, how to use every part of your body well every part of your muscles well even if you're and your nerves well so that you won't inflame it they will teach me how to actually lift up stuff properly how to sit properly and the importance of daily stretches that is needed for your body


and what really , what really actually made me keep on signing up with them again or going for the therapy keep on continue the therapy is because they like I mentioned their sincerity in wanting to help you out in your life and


one uh one particular experience actually kind of touched me even though it's not part of their job it's not part of their duty but because I do have a flat feet , and I do walk a bit of sideways more on my left side so they advised me to go and see a podiatrist and I did and I have they actually have an insole made


i learn that I can only wear certain shoes in my whole life so I could have better posture uh it won't affect my spine it won't I mean it won't affect much while my spine it won't affect much on my nerve is I mean this kind of thing it's very important which people


do kind of missed out on not knowing, sometimes you always ask yourself why my always swollen uh uh after a long day of work or after standing for a few hours why is your ankles were swollen or why your bodies always swollen so you kind of understand that actually your posture is very important


uh in everything it affects all everything your nerves your muscles so that's why knowing and understand your body is very important and that clinic nature prodatic the teacher practice actually taught me about that knowing your body knowing your body shape knowing your body structure


how you should stand how long you should be sitting down how you should be sitting down very important and how you should start your day and how you should end your day they also taught me that like in terms of stretches, so and if you have inflame neck or anything like that the the comparison between or or not knowing whether should use a hot patch or a cold pack


actually chiropractic always tell you to go for a hot pack uh sorry to go for a cold pack instead of a hot, pack because it helps with the information to cool down so, ya and I still go there because, they just make me feel less stress they make me feel happy already not they don't only just correct my posture but they make me feel happier and even though it's a bit expensive but I feel that having a holistic wellness is very important in life right now also particularly right now there's a lot of interest


uh mental health which is still a skeptical topic uh for our generation uh for our society but I feel that if going for therapeutic therapy makes me happy and it's also a it's also like a mental


uh wellness for me more than just for my uh correcting my posture so yup for me I have a good experience in this and I would advise for people to get themselves check out even though you can't afford a chiropratic therapy but getting to understand your body posture where your inflamed part is very important so how could you treat yourself at home


it's also very important to you know it's it's for your whole lifetime wellbeing, yup


level


ya ya oh okay, (hmm) ya, uh


oh ya, the consumer yup


yeah yup I agree customer service is very important, uh uh uh


oh ya that's true that's true, uh, uh for me finding the right clothes is not easy either because I'm a bit on the plus side side so only certain brands uh could actually


I could only just go into certain boutique or a certain brands I could only buy it because they have the that only available sizes so uh one of my good experience, would be a customer service trying really hard or doing their best to inform me actually this doesn't go well for my body shape why not I should try to another design


so I have a I have a good experience particularly in this certain uh certain boutique , which I thought will not have my size but actually do have my size but it's all depending on the cutting it's actually a very random walk in


, in a local shopping mall and I thought that shop I couldn't remember the brand name but I I know most of the products come from korea and japan and they have a lot of those, loose or baggy clothes so I thought I couldn't


wear it but the salesperson said like no come on in you should try it out it it depends on the cutting is not about the size it's it's all about the cutting that can fit whether whether it complements your body shape or not and, ya I think those are my because good expensive not wrong that shops in suntec I'm not sure if it's still there because I can't seem to find a shop again so


I think when you do have a good positive one also the negative part about yourself is that we need to remember what brand is it or or or the shop name or get or get their card so you will remember go to back at them so, ya I think a sincere


like I mentioned previously sincerity, sincerity trumps at all it even though it's a bit expensive or a bit too far for us to from our home to to travel to but if the customer service is really good makes you feel happy to spend your money there open your wallet there


go ahead do it don't just even, though when you're desperate you just need to go and get yourself really like right in front of your home when you're in desperate matters tlike you mention a friendly customer service is needed bring your food to level


because really it can affect you like the whole day or even affect the way how you cook your your your your cooking, so yeah for me it's in terms of clothes and health wellness, uh uh


ya and you look forward to like new designs that they have and they offer


ya and also the quality of cloth as of course of course very important for us also because uh plus sized people are getting quality clothes that can last asked for at least a year is very difficult okay


yeah so ah I feel that even though we have to invest a bit of our money but if it's just much more worth it, we could go through all lenghts I even went cross the border just to get, to that boutique that sells sizes that they have for me so yeah I feel that positive or you mean sincerity


is is something that, can never trump others like, whether the customer service really wanna help you out or not and finding what you need ya so in, every industry customer service is very important and unfortunately the customer service people do not get paid well do not be taken well by the management either I wish they do increase or give a bigger bigger better pay and I feel like also


so people shouldn't look down on customer service is not an easy job it affects their own mood and their own life too ya so, uh, and so I feel that is very important for us to actually have a positive uh experience


the management is still have to take care of their staff, that's that's very important and, ya which is lacking in most company actually the ya which is really sad, that's why and then


uh uh


be able to understand what you need, be able to fulfil the to your need so yeah uh for me yup that's one of it oh yeah speaking of that besides customer service I find that find buying the right product also matters uh


purchasing the right, or investing on the right product also matters particularly in terms of cooking so recently I didn't realise that my olive oil has expired more than three months I still use it I still cook it I still consume it until like


er my sister that discovered that oh my goodness they has already expired cause she looked at expiration date and I was like telling her that there's no change in terms of scent or appearance, or even taste how is this expired so I feel that investing and a good olive oil and olive oil are expensive uh for certain brands but I feel that


purchasing an expensive rent, is actually quality uh because doesn't mean expensive is quality also but I mean for olive oil is very important, to actually purchase the right brand because I mean it can last you for like one and a half years two years depending on your usage actually because I mean recently I don't really cook that much but in the past I do so I and usually I use olive oil so it was actually very surprised and very happy with it


because what I despite it experienced three moments are more than three months I still consider it out and doesn't cause me any help at all so, uh so ya I think, purchasing ya ya purchasing the a quality brand is very important also ya besides customer service yup so that's one of it


and then like like I just mentioned just now the bubble tea right <P2>shafiqah</P2> uh besides being it worth of your money to me, I'm an impatient person I hate long queues but if I really want it yup I don't mind core I do not mind uh going for it


also more on the toppings pearl or toppings to me ah and one of the ingredients what's on the menu what they have it what type of drinks do they have where do they have a unique one or the one that I really like because not all bubble tea brands actually have drinks that I do like so


I stick to only certain, brands that I like to drink ya but to me in efficient, ya but in in inefficient inefficient uh and slow service is really a no no for me also when it comes to food no when you're hungry you're hangry ya uh uh yup uh


ya is is this, part


part one finance


uh uh oh


okay as for mine right I do have saving account (ppc) I I shared with my mum since I'm a kid back then so it's still a continuous went so after I married uh, I have another saving account with uh my own personal err


separate uh separate from uh, uh my husband because I feel that it's important to have own extra savings uh not sharing if your spouse and then (ppc), for, for get a credit or debit card


I'm more of debit card user I don't own a credit card ah it's ah it, is my shopping experience especially online shopping ya ya and also it is my transaction in my uh daily daily uh transaction ya like in supermarkets yeah


uh oh


yes, yes


interest yes correct, uh yes


yes ya I feel that it's important to start saving from young, if you don't own your own card yet but you can start with having your own piggy bank or you have you you you're save your own money then you can uh you can ask your parents to help to deposit it for you in your savings account


uh then it's all uh for youngsters these days right we are we are exposed to online shopping we, influences having branded things so to have your own ATM card uh


uh, it's also important is inevitable you can't run away from it but it uh maybe we can have a spending limit especially for teenagers, and the uh younger generations, uh ya uh


yes yes


ya, yes like fifth app they do have cashback also right so it is our transaction sometimes you forget to if points you have to collect then we have to redeem the points yes but


yes but I I think for grab we do have points right, for grab app yeah so grab grab go-jek grab is uh an exception lah cause it's automatically you can they will remind you ya unlike like a traditional way of redeeming points ya for mouse is more for like people who travel but for now


everyone is affected so mouse is not applicable ya for now, yes, yes I do agree with you


yes


, yup for my, ya for myself right investment I don't do bank investment cause I I'm


I'm scared of the interest or the uh the hidden clause like what siri has a has has just said, but , I do investments in in through my insurance uh or uh other things ya but ya now not much of investment lah ya basically because like I have a


other commitments right so about the experience of getting a loan for myself this one is not based on my experience but I heard about people getting uh getting a loan from a bank uh as in home loan from a bank


uh compared to HDB loan bank loan is uh I would say if you can't pay then the interest will pile up and it can really scare you so if I would say I would say like it's like a uh uh


legal legal, loan legal and legal loan shark in a way because they were just if you if you are unable to pay the interest uh on time then er for a certain period of time what I know that they will just snatch away your house and you will left with homeless compared to HDB


you still have some leniency over there ya so it's it's scary to to hear about the uh having a home loan from a bank ya, this one is based on someone else experienced that uh what I've heard yeah and in the end they are homeless so ya


, okay, uh


ya so uh back to the question about the do you have personal insurance right I do have personal insurance, is uh that would be a but that's more of health, because I do believe that living in singapore you know that


extremely the hospital bills are expensive is much more expensive than hotels then you have to think about one day what happen what will happen to you if like, you you you fall sick and you you you need to pay for the number of days you are being admitted into hospital and the medications and things are not getting cheaper these days uh so it when you have insurance at least you know you can claim


you can claim the money or the insurance will help to uh pay for you in a way ya so uh for and it's for me personally I feel that it's better to get it when you are young


because uh because, yes it's cheaper and and as you grow older you we do not know what else might have, ya so at least there you can claim more things compared to when you're when you're already getting older and you are paying more expensive and if you have some sickness ya


sorry sorry


ya its hefty right sorry,


yes, yes, yes it's increasing


amount yes, yes so,


yes, yes actually many people are struggling also yes, especially like those who are a badly affected by these COVID period right uh there are I'm I'm pretty sure they are like


there is very it's training for them even like you have to put aside monthly for your insurance and your utilities bills and you have to put the food on table if you have family and children so yeah I


having savings is very important you have to start from young and you we have to


so it's important to educate the younger generation uh the importance of savings and how can you save money because normally people say oh if you're if you're smoking in this one year you can save, how many thousand dollars uh just by cutting down on your cigarettes


but uh they forgot about the food we have a lot of hipster food nowadays we have bubble teas we have will like yes cafe hopping we have uh at the influencer are you have you know the kind of branded makeup from sephora so


it pressurize and it's a peer pressure for the younger generation especially those who coming from the uh lower income family you know because all their friend has like for example an iphone so oh this is the phone that I need to have, if like oppo or huawei is not as at the same standard as them not the same level so we have to educate the children or the youngsters nowadays about


live within your means if you can't have it and then you have to work hard for it it they must know the value of the hard earn money ya


negative experience, okay can


yes I do agree with you , uh


uh uh


but actually it wasn't it , yes, oh yes ya


ya yes correct some some I know that some uh medication can also have a side effect to your organs internal organs ya without us realising it so it's important to check the ingredients first is not just to


buy the supplement or the product itself but we have to know what are the ingredients be it like for for external or internal usage , yes


natural scent , yes correct ya uh


need to know ya, yes


yes is because of the branding they are just paying more in the branding for the advertise uh for the advertisement, so basically the consumers must know what they are paying for back to our saving finance topic just now yeah so it's about what you need and what you want the you must know what the the need and the ones


ya so if you need it then you get the moisturiser but you don't have to get branded one but a good one still quality one that that's why back to the ingredients, so if you want to branded one yes you have to look for it it's not like you'll have to spend your parents' money or or if you're struggling like today's economy is not good


and in the end you waste your money for nothing yup, so for for myself I have a bad experience when I was having a holiday with my family back then uh I think was last year so I thought I was I want to surprise my parents for their anniversary


so firstly so this happened overseas so we we did booking we we we did booking through agoda, but apparently agoda because uh agoda is a third party so they they send us a receipt and all saying that oh is oh all well booked but when we had when we arrived the hotel then the hotel the receptionist said that oh no there's no booking we don't receive any booking for this


so uh so we were working like two rooms, and I I did requested for anniversary decoration for my parents, but apparently first uh we don't get our rooms we have to wait for a few hours so we they ask us to you know go somewhere else first then can come back then your room will be ready


and I specifically requested for non-smoking room because we can't stands we can't stand the smell of the cigarettes and then they gave us the smoking room, so the room smell of cigarettes and when I uh when I requested for the decorate for the decor right


nothing nothing is being done and, and so I bought a cake like I said please send to this room number than they sent to the wrong room number so it was kind of a, disastrous disastrous holiday I would say is like not a pleasant surprise ya the it's not


like a three star hotel but it's like four five star hotel you know, yeah it's it's a well known hotel ya ya they make such such mistakes and they're they're did they said, sorry but just saying sorry but not with me you know with sincere sincerity because like


ya upgrade ya that's why so we we have to wait we have to wait and wait and wait and wait so our holiday like for that one whole day uh is burn because of the waiting game


because we want a we want to clean ourself we want to take a shower to you know to feel refreshed after long day right so ya, so that was


uh yes ya


ya especially when we have from overseas tourists right like from the


middle east yeah we have the from the middle east and indonesia's so they they yeah when they ask us oh where is the uh they they come they come to singapore for a meeting for example they come to at marina bay sands then when they when they ask us right


oh may I know where is the prayer room uh, then I can't even answer because I know that there isn't so, even like then they wanna they wanna uh they want to consume the food you want to eat the food is this food halal because I don't see any halal certification


you know it's not halal certified over there so so they're being like fifty fifty can I eat or can I not so it's you know we come so far then they I'm pretty sure they are hungry and during in midst of meeting also , I'm it should be muslim friendly ya for so that everyone can enjoy it


Musollah uh, uh


ya, ya yeah uh


hundreds of dollars yes per month yes sometimes it can reach up to a, thousands were spending thousands just like that for one year because of your gym membership and it's just the on beyond makes a difference


say ya but I feel that if you want to promote a healthy lifestyle because the the normal uh gym at the , what is that called, the sports council area right for example at tampines hub or the active SG the gyms are usually full


and you want to promote a healthy lifestyle for everybody because, uh, we have the uh, uh obesity are included the the increased rates of obesity because of bubble tea I would say even the younger generation some some kids nowadays do have diabetes type two so it's a very is very concerning issue actually is very worrying for everybody


yes the junk food too ya, chemical inside preservatives yes preservatives


and sometimes because it's cheaper option so especially for the lower income family right, it, they have no choice they do want to have good food a good quality food but it's too expensive for them so maybe I would say it's good to have a promotion so that these lower income family can can have a proper food instead of just like junk food


ya I mean if you will say oh egg veggies you can eat eggs every day or what but imagine us in a situation if we eat the same type of food every day I mean they also feel to have, different variety of food right and uh yup and and nutrition uh a very nutritious food yeah so maybe


ya, to to to promote a healthy lifestyle is not only just by exercising but they can have promotions for quality food for example like the organic food I do understand that some of the organic food are too expensive but


maybe, maybe we can have the normal type of food but not the uh with pesticide or, any uh chemical being spread on ya so that everyone can enjoy quality food also at the same time


uh uh uh


ya sometimes we read from review also, yes


uh but, yes but again reviews can be false can be not true because it's just the people just being overrated and it depends on your skin also like different people have different skin so different people have different effect yes for the skin product


ya so some might work for them and some might not yes yes correct, okay


positive experience


okay you go first ya


uh uh, for myself would be the the daily necessities uh essential services okay so daily necessities like, I do uh marketing I do all these need to do go for marketing so it's important to you know when you want to buy something it's it's when it affects your mood if someone who the workers uh or the the the people at the market like


be it at the wet would be it at the wet market or supermarket or even an online uh shopping marketing right , it gives you a an experienced people want a people wanna be serve uh in a in a pleasant way not like according to that someone would like even like sometimes when someone is angsty then they will be angry and throwing all the things and


like grumpy grumpy person so, when uh when the person it uh when for example like a giant and Sheng Siong right they have a lot of happy and positive friendly uh workers


who always like uh greet you and ask your day and help you out for example if you are unable to get certain products and they will update you about okay uh today we have this promotion okay is a worth it to buy so this kind of experience like


it don't makes you feel happy like you shopping happily although (ppc), although maybe to some is like , it's it's not that impactful but it actually can bring your mood ya, to a different uh


to a different mood uh to a different level yes because you imagine is like you you do you imagine if like you you ask the auntie or the uncle oh where is the uh bread for example then the uncle say, you cannot see ah behind they will be they will be like turn off you know like eh I'm just asking nicely what you mean you sometimes you are new to that area then you'll be like you you can't find the things that you


need and you're rushing of of of time so you you will we just like ask people eh where where is this thing or where is that thing for example right ya so, it's important uh for the, company to to give these workers like


for example a a good pay or maybe a a motivational talk or you know give them a positive thing uh so this will impact to the customers so I can see that for example like giant and Sheng Siong right, the workers are being well taken care of that's why they are working happily uh you can see if like


if if if the worker is unhappy, it will affect the mood then, uh the customers won't become ya the the customers won't be coming back I mean like people be like cursing like why why is this person uh so grumpy every time want to shop here like uh you know it it it it gives you like you think twice whether you want to come back to shop there or not ya so


because you can't you can't run away from daily necessities ya you need you need to buy uh some things, cook or you know, or or to use event ya so, so another example uh, uh for example I like to shop at shopee because


the service is very good so far ya I've I don't have uh any unpleasant experience with shopee uh the the the sellers reply me promptly , and their service are very fast in terms of there's no delay if let's say there's some


until your they will inform you so, and the, and the best thing I'm able to compare the prices from different sellers so I can just like filter or sort them out and we can read from the review so it is our shopping experience also


because to, I feel, I feel that having sometimes you can you can buy a cheaper clothes online compared to retail store, and you get the same type of clothes or even better because you are buying directly from the wholesaler


or the manufacturer ya so you can, save cost on that ya yes, ya


yes, gesture uh


yes correct yes, speaking of that right your clothes uh reminds me of some uh some shops they do body shaming


like oh you can't fit in so it really for example like for us who are plus size it really like make us feel like oh oh there is some clothes there are there are clothes for us you know some like they make us feel welcome I do feel you sorry ya


so it's it's really a a nice experience that that make you want to come back to the shop you know is like you be like looking forward whenever when they see whenever I see this shop right then uh I want to come back again here, you know ya yes yes correct and we want to support them although it might be a bit hefty but we don't mind because of the customer service


uh, yes correct


yes, correct yes you have to ya they have to deal with people's behavior everyday


yes, uh


for uh, for for myself uh my recent experience uh with this brand , the shoes called skechers I have problem with finding shoes because of I have a big foot I have a big feet so its size ten or eleven so not all shop carry


these size so when er most of the shops carry the largest in size eight or nine or size nine will be like small cutting but when I went to this as sketchers store right the


the the lady knew my budget and she offered me like oh why not you take these shoe and it's comfortable and it suits the the pattern uh and the and the shoes suits my taste so she went an extra mile for it


she even she she even like show uh what are the availability or what are the uh shoe options that are available for me for my for my feet size yeah so , again like oh like working is one thing but working with sincerity


is is very hard to find the uh very a good worker like they work like sincerely like they they they are passionate about what they are doing, they want to do want to do you want to help others it's not just about like selling it or like you want to buy okay don't want to buy okay it's not my store I'm not I'm not affected by it I'm not I'm not thinking about the profit or the loss of the company but


the the uh the the idea of whereby the worker itself going for an extra mile to make sure that the all the uh customers are well taken care of uh, they know what the customers want, it not every worker will will you know will


yes yes correct, , uh ya


it's worth it the quality, ya ya ya


, yes


brands, like like call you mean you


I would say for , yes true for bubble tea right I I believe that different brand has different quality uh different quality of tea the the grade type although it might be just like earl grey milk tea


but if you realise like okay maybe for this XX brand and then when it taste eh why is it doesn't taste as nice as another XXY brand so because of the quality grade rich people do not know for myself because I always like to go and buy grocery items


and uh baking things, like for example chocolate okay we have the cheap type of chocolate and the expensive quality type of chocolate so some people will be say eh why so expensive oh this one but same thing what earl grey milk tea but they do not know the quality of the grade that they're using so


they have to think about that ya because you have to cover the expenses also to gain profit yup (ppb) okay


for me I took the HDB loan when I'm newly bought my house for the first, time uh I, I was I think ten years back when I bought a house and then I did, we got the newly married grant, so with that grant we managed to get the loan, so after that


when I sold my second house I also took the HDB loan, but I did not take any grant since the first time I already took , but for me to buy uh I'm planning to sell a house but I can't get an HDB loan because I've already taken two HDB loan, so if I want to take another loan it has to be a bank loan


which I'm not really keen in taking, any bank loan so, it was like already over everything ah, and okay for my parents like you know olden days they all, those seniors they don't they buy house without realising that once certain age they reached they can't


pay through CPF they will have to pay by cash so that is the problem that my parents both are facing , because now uh uh I uh my father already sixty plus so the CPF amount has gone down they have to pay uh by cash at least thousand plus my father went and appeal all this thing but no it was unsuccessful we were told to downgrade to a studio apartment which my parents are not really keen


so some more they're managing to pay everything, so okay they're just pulling through, they managed to settle most of the HDB loan now ah, but I also find like those they're charging those them, stamp fee is a bit too high


about two thousand to three thousand it's like a bit ridiculous for me the stamp fees is a paperwork which I think they should reduce the amount, they, have to really look into this, (mmhmm) ya


I'm planning to downgrade because currently I'm leaving uh in a five room flat I'm planning to go to a four room flat for me to downgrade I have to pay a levy, which is very huge the levy it it can go up to twenty thousand, which is like I don't find it worth so as a result I can't even downgrade


and I have to downgrade at the same time take a bank loan, so I'm not so I was thinking but now when I realise all this thing I not really keen to sell my house now, I also my first time when I bought my house I also took renovation loan from hitachi


and I manage to get about a thirty K loan so I managed to renovate I settled all that but, but now for me to get another loan to renovate it's not easy to get a renovation loan, it's normally the first timer have all the privilege !huh!, a lot of benefits you will as a first timer you will get


(mmhmm)


uh ya there is a scheme for them but my parents are not really keen to sell because I think they went through a lot to pay and now they have ready settled so it's like I already went through you know a hard time now for me to sell the house and buy a smaller flat they don't find it worth it so maybe


they thought I mean after after that that house they will give it to the three of us ah, so I don't think so they're going to sell but the house is too big, (mmhmm) because


because of their outstanding loan is it, due to the previous record is it


it's quite sad lah it's not easy, buying a flat in singapore especially at this point is very difficult , so sometimes I do find like my time ten years ago for me to buy house was very easy , uh I didn't even have to pay a down payment


I were I managed to use my CPF everything to pay but now I understand you have to pay a down payment of two thousand just to reserve a unit, , uh BTO refill is totally different you will have to pay also let's say you have to be a cash money


previously no, (mmhmm)


uh ya for you to downgrade when you downgrade you have to pay a levy, ya actually I don't understand what is the I mean for me it's like when you downgrade I don't know why should I even pay the levy, like I have a five room flat uh for me it's like I find it too big for me to clean so that's a reason I want to downgrade to a smaller unit and I mean four room is just nice but they say no since you have a big house you have to if I want to downgrade I have to pay a levy of twenty thousand


it's like really a lot I had rather save that money, ya when you downgrade you have to pay a levy, so I'm stuck it's either I buy a bigger flat or I buy the same five room flat, so (uh huh)


ya actually uh I I understand I also went and appeal I went down to HDB to appeal for myself because I really wanted to sell house but uh they say I have to, pay the levy it's like they can't it's their policy, at the same time, I already bought a BTO flat first time my second flat was a resale


so I already finish ten years staying this flat so for me to buy another BTO I also have to pay another levy they say because a person only can buy one time BTO, so I've uh ya


okay the auntie she bought a flat previously a three room flat, under the single scheme, but I think, due to some reason she at the point she didn't want the flat because she wanted to stay with her sister , so she return back the flat to HDB


but now she want to buy a flat it's very difficult, she's already sixty plus and then with all those new scheme so she's like it's not easy for her to, get, so now she can't buy a flat but, it's really not easy ah I mean for those older generation


for how long HDB will pay them, (mmhmm) !wow! oh


okay !wow! now like a lot of the, different things are a lot (mmhmm) for your, time for yourself first time when you bought a house do you have to pay down payment, ya I've heard of it oh okay


but now the value is high right, but you don't plan to sell, you don't plan to sell, oh you still have the areas ah


but you clear it through CPF or cash, okay oh okay okay, it will be finish ending soon, uh ya


uh the late payment charges are really quite a lot, oh they also have papers it's additional is it, oh okay okay ya oh (mmhmm)


oh oh really a lot of difference ah, oh why did not buy a BTO flat at first time, ya oh


okay okay because I thought b, but when you, okay but when you took this flat did you get any grant, okay okay okay ya


I said first time there's a lot of privilege, now it's like for me to buy a house I will I I don't get much grant ah so it's like not much, it's really a lot, and I'm not really keen, (mmhmm) ya


ya actually it happened to me when my when I sold my second flat because some people say when because our first flat was just about a hundred plus when I sold it was four hundred plus , so I was told that I can get cash money in my hand I really wanted the cash money to settle my loans, so believing that I sold the house I did make money but I did not get anything by cash it was all to my CPF


so when I bought a bigger flat I, pay my monthly contribution for this flat is only about five hundred plus, so it's like because I've already paid out using that cash I didn't know that money will go to your CPF, at that point I need the cash but now when I think of it I'm a bit relax like I can still stay without working for at least two to three years


so there's plus and minus lah


ya true actually I I also went through that I bought the house I couldn't buy anything I couldn't even renovate, and to get a renovation loan was not really easy bank loan has a lot of right uh criteria , so I did not renovate but I sold the house I make the money with nothing in my hand


I think most the most I get thousand or two thousand, so that was very sad like, I didn't even know I shouldn't even have sold the house you see, I regret a lot so now ya there's a minimum amount okay okay uh


getting renovation was very difficult, even for this house I went through a lot to get a renovation loan I will ask through bank everything nothing, it's like, they really check from ten or five years record all this thing, ya


so it's like very difficult, ya that one was the first I said first time everything was approved was very easy for me to get, is just that the first time you know due to some delayed in payments all that they really check so I had few areas I mean I delayed the payment


so uh, due to that it was not easy to get another bank loan, so I couldn't get renovation loan for I really tried everything, none of them wanted to give so it's like, very difficult , so after that I didn't want to do any renovation I leave it until lately I took a loan under my company so with that only I renovated


ya now they still have (uh huh) okay (uh huh) so who pay that oh okay


a minimum amount you still have to pay ah, oh eh not bad ah, oh okay everything CPF ah


ya so CPF very important, ya actually it's true, they based on our CPF contribution, uh so npw I think are almost there already right


!wow! ten years very fast over already


okay negative, okay, I had a very negative experience with uh with, my my republic my internet service I happened to pay the bill but my, internet they disconnected so when I call them to ask what is the reason for the disconnection they told me they will get back to me because I really need the internet connection was during the COVID time so I had my office meeting everything but they did not get back to me for


about three days I was like really calling them and then whenever I call it's like every time you open a new case, so it's like I was very pissed off and a person different person uh answering my call different time I have to repeat again and again , so I was like I was like really very upset with the service I even call them personally to ask them like it's not why is it like no one is uh answering me I really need the help and I need my internet service and I've already cleared the payment how can you all like not connect


so it's like it was like the case was not even registered so when a case is not registered every time it's like I have to repeat so there's no action taken, so I waited almost about four days for them to solve my issue, they, their service is very bad and like


they didn't even bother to call up to apologise to what happened, it was a very bad service, no internet service so I couldn't work I was like I was using my own data plan, the thing is I've been there's no outstanding also


so everything was cleared so can you imagine without internet no wifi at home so it's like totally we were like really very like , uh how to say like handicap like that you know like I can't even do anything , it was a very bad experience until I call them I say I I really want to terminate my service and they also say okay if you want to terminate the service can so it even piss me off because like you should know what's the reason I want to terminate the service it's not that you know I'm paying every month fully and this is what I get and I've been with them for more than two years


so it was really like a very bad experience I when I think of it also I'll get very pissed off at this moment, ya oh that's really terrible ya


I also had at KFC when I went, it was I think I went to buy food for my also for my office lunch so when I went to buy there was a a foreigner who serve me, so I already told her my order I was very specific you know, and she was very rude to me she because


she was an indian lah so I thought she didn't understand, what I'm trying to say I told her in tamil she get offended she said you can talk to me in english I understand uh was very rude the way she told me so okay fine so I explained to her I was very slow and explain to her you know my order so after I told her then I wanted to check at the counter once I get my order I wanted to check whether it's correct or not because I'm buying food for someone you see for my colleagues


so she was not happy that I'm going to check you don't trust me is it you want to check I was a bit taken aback when she asked me this normally KFC if they don't ask like this kind of so I was like okay never mind I don't want to argue with her I brought the food back to the office and we want to open and see , they the I think I was short of two drinks and one box of


chicken the meal was totally not there, so it really pissed me off you know like I have to walk back it was like a quite a distance you know and I'm also rushing you know I and I couldn't ask my colleague to go because I helped them to buy I felt very bad, so I've no choice I have to walk back to the same KFC I went to her I told her what happened she didn't even bother telling me sorry then she can throw me back the question why you never check I told her of when I want to check you scolded me what you said don't check you can go and check over the table what I said how can I check now it's like so many restricted once you collect already you have to leave


so she's like at least admit your mistake I know I'll be okay if you tell me sorry, I mean everyone does mistakes but she still can, she still can argue with me that it's my fault for not checking, so I became like very pissed I'm not someone who really fight at this point I cannot take, it is that I really fight


so I really we have really had a very big arguement, so when I argue with them, uh, they didn't even tell me sorry that it was the thing that really pissed me off, even now when I go I mean when I pass by the KFC I tend to like look at her give her a stare you know because it's still very I'm very pissed off with her even now I think of it at least have the courtesy to tell sorry


ya she still works there, so it was a it was a Hougang KFC ah it was a very bad experience I will never forget that, ya I agree with you like my sons I


I went to this this dyslexia centre for them to register for the mathematics program, I think I registered uh almost, about two three months ago until now no, call me back no feedback anything it's like I'm waiting for the you know for me to start the class but they are just sitting on it like they don't understand the urgency


I've been calling them sending them email, no reply from them when I call it uh they say it will take at least six weeks, I don't understand what, is the six weeks for paperwork everything submitted I mean I'm just waiting in fact I want to come and make the payment for me to start the class but you are making me wait for no reason so


when I call and ask them they got no they have no answer to give me also they say the person in charge is quite busy we'll get back to you I mean the whole centre you only got one person to get back to me is it, and that I mean they are just sitting on it I find I mean this is like, teaching you know as a teacher they should , find and the


urgency for for them to contact, why is this parents calling them what is the reason like the service is really very bad I've been like , until now I'm waiting you know without fail everyday I call them to check is there any uh follow up any update but, nothing so I find it's like ya like


is there's no passion they just, go there take their salary that's all, they don't understand it the need of, the parents why are we calling why we, need what you know at least listen to my what am I trying to say I've been like every time I call them I I I I even bother explaining to my situation everyday but nothing really helps until now no one get back to me quite sad to say correct ah correct


I find in service line service very important I mean , what a customer's fault, you will need, that I mean as a customer service you are supposed to get back to them uh help them that is the I mean I find most of the service they are very bad like , they are not even bothered there's no


they won't even get back to us or why are we calling them, the service is really very bad, correct


I also have an experience I went I mean I went with my family to eat seafood so my daughter ordered egg you know omelette egg so that egg came out was, really black, how do you expect us to eat, so I went to the lady I told the aunty I think its really black you can you like change and give another one


so she thought I don't understand chinese uh but I understand so she was telling to the other colleague !aiya! she just cannot pay say cannot pay ah must complain this kind of small thing the egg is black why cannot eat is it still will go to your stomach I was so angry I replied her in chinese I said I I mean I understand when I reply her face changed I say you don't anyhow say I cannot pay I can


pay but you you if you I mean will you eat this kind of egg or not if I tell you and there's a reason what I mean we are really hungry if I come and tell you that the egg is really terribly taste you can't even taste it it's really black, then she her face really changed lah she did not expect I will reply her in chinese so I told her that people give you feedback at least listen lah I mean don't have to be so rude you say until like you give comment like so loudly it was very hurting your comment so I just paid for the egg but I told her I don't want your egg but I paid her the money for the egg she took it


so I find like at least, take the feedback you know at least improve for other customers it's not like I'd, I all the way walk there to give you feedback so that you will improve on your service not for you to comment about me or give sarcastic, remarks


ya I was really literally burned you know I can't even like both the side so I told her if one side also on top I still can eat but how can you say I can't afford to pay, so I was very taken back, like they don't realise their mistake, so the service I mean people are paying you for the service and this is what we get


so rude ah


some time is it they just can't take it you know when we give them feedback they can't accept which is very


(mmhmm)


for me is I also fitness I went for kickboxing, uh king of strength because, uh as you know I used to weight about hundred plus before so for me to lose weight I have to go exercise so I went for kickboxing , so when I went there actually to be honest we'll all indians lah I was a bit shy and I was the only indian girl and surrounded with indian guys


at that I was very huge so it's like I was very shy to do exercise in front of them but the coach uh I still remember it's kumar he was very encouraging he came and told me that it's okay to feel shy you know he said I also went through and he also was very heavy he also showed me his old photo and then uh he said like don't get disheartened


he really teach me but it was a bit expensive he knew that I couldn't attend , all the classes due to the amount but he was good enough you said it's okay you don't have to come here and attend like you can meet me you know we can do exercise after like somewhere in stadium, nearer stadium we will meet up to do exercise so he encouraged me a lot at the same time he also


tell me what are the food I'm supposed to take he will normally message on me to check whether you know how do I feel motivate me a lot , because for me it's not easy to go I mean for me for me to do that exercise was very tough so I will really drag myself like I didn't like at a point I really wanted to give up


it was like not a really easy exercises like I have to run at the same time have to do all this cardio exercise but, what motivate me to go was someone who's really bothered you know I'm just his customer but if you want you don't even bother he can just if I'm not going to pay you know you don't need a service but he was not that he went all the way out like just because he went through what I went through he understand so he really took


care of me he understood and then he teach me what are the things I need to do , I will really recommend anyone like to go to him you know like to get a moral support, it was a very good experience for me, oh ya


got daniel he was also too very good


ya because of my height, he really understand you know he came and told me personally I know you are tall you don't feel shy because he was equally tall as me so he is like I know what, you feel , so I like to attend he uh his classes he really encourage us a lot, ya


I think it's the interest ah, they really serve customer, ya right


it's the interest also not all will do this I mean I over also went to other fitness centre but not like how I felt over here even, the F forty five I really enjoyed also he was very good, ya okay


ya what about you okay for me I bought products from a source, so there was once I bought and then I I think the size I ordered was wrong, and their customer service was very good when I feedback to them the size was wrong and then ya actually it was their fault I choose the right size but they sent me the wrong one


so when I feedback they really took the matter very seriously and then they helped me to solve it, and they return my item within a week, they even refund me the amount and gave me a new piece of the item, so I find they are really very good


a source, ya even their clothing's quality is really good, (uh huh) you also bought (uh huh)


they refund you uh they were quite fast right, ya ya I think


that's one of the online shopping which I really like, normally I'm a bit scared to buy online an online clothes because of the sizes but ASOS it's like you can trust and buy them if the size wrong they also refund and they are quite fast, ya


ya it don't have to be a wrong size you know, if like after you buy you don't like the item you can refund them I I mean you can return back to them they will refund you, ya correct


and uh I think even their customer service there's one I email them to inquire something about a membership they were quite fast within a day they replied me and they did a follow up check that is the thing I like about them you know until they solve it before they close the case they did check with me uh are you okay with the services do you have any feedback can write close or not


so it's like I really like their services they really check we also have a follow up check, (mmhmm)


they also reply for that, ya


correct actually we pay for their quality it's really good and the service also, I don't mind paying for something like this you know , they really called I mean they check on uh the item whether we also receive or not any feedback, I


quite a number normally I buy most of my clothes from a source, I I really find the service is very good, oh shoes okay there was once I bought also wrong size but they managed to change but I couldn't get a bigger size they refund me the money


uh but the uh but I I also heard from others the quality of the shoes are not so good I've yet to try, is because I couldn't get the right size for me, ya ya correct what