ya true true, so we talked about err health insurance we also talk about uh accident plans and travel insurance how about uh investment plan, do you hold any investment plan


true true, , okay myself err I have friends telling me about investment plan and there are so many different kind of investment plan whereby you invest in certain country or sometime you invest in a certain big companies all around the world so basically they will just


err tell you err which company is doing err very well uh if you invest in them definitely you will get a hundred fold return so but for myself you know err


I I was actually tempted to buy from them but because of you know they ask you to buy the the number of units for the investment plan so sometime it may be a burden for myself because uh it can be very expensive in a month


so err I I receive like, from my friends who is doing investment plans that it can cost a month like if you invest twenty units is about close to err hun~a a thousand dollars so


err it's quite a big burden lah in a way so I felt that after the sharing err I was tempted but I in the end I I didn't have, like ya I didn't choose to to to to buy the investment plan from them


ya because uh the pricing is one big issue lah is expensive , ya, , not really I I just most of the time err


you know the insurance agent will tell you the banks are giving low interest but insurance private insurance are giving a higher interest lah but ultimately being me sometime uh old school so err I will still save my money inside the the bank


although the interest is a low but it's a it's safer lah I feel is safer, so ya so that's the difference lah between the private and the government banks and all that ya


ya (mmhmm), uh no ah the only the one that I'm using is err the UOB krisflyer I only like the card the design of the card ya


ya, okay


okay okay sure sure, ya but I believe other banks are also doing the the same strategies ya in terms too


eh that's okay !wow! that's quite a lot


ah okay, ya but our parents' days they they don't really believe in err insurance lah but they will just basically more on this uh banking whereby they save up all their money inside the bank


ya ya ya, ya so I think ya this is all about insurance that we can share ya okay


negative product review, err I'm going to talk about uh customer service hotline err okay for myself I I been with Singtel for many years and then recently you know like


because err there was some issue not just because of the phone but I think is the network issue so err it has been ongoing for almost ten days, so I've been calling Singtel almost every alternate days, to ask them what happened to the network because sometime you know err because of the the network bar right our phone can see like how the signal sign whereby one is quite quite weak and then four is strong


so my for the past ten days right that network has been always at single bar or double, so end up uh you know uh being singaporeans uh we are always uh on the phone be it for work or on social media uh a lot of time things cannot be posted so I got a bit uh


uh uh angry lah I've got a bit pissed off so I called in and then asking them to uh check what what really happened so err, so the phone ring ring and then after that you know uh to reach the customer service uh it will take a while because


you have ya you have to press a lot of button for english press one then for mandarin press two then blah blah blah then ask you whether is it loss of handset or is it uh network issue or is it internet or whatever , so end up uh it take a while and by the time when you really finally reached the customer service the customer service will still put you on hold


for like five to to to ten minutes because they say that uh that period is a peak hour, ya so end up err got a bit angry again so by the time when I finally able to speak to the the staff on the phone err


the you know err you just want to vent your frustration on that that customer service so but knowing that I'm also from the customer service side point of view I also try to control myself, so but you know the person who pick up the call was


polite but then err, he or she actually speak very fast so err ya he wants me to verify myself that I'm the the caller calling in to to enquire this thing, so uh after that uh uh


she he or she was actually quite err how to say , like just want to err verify so many things , which are are already up there already so I've been calling in for every alternate day so for the past ten days I've been calling in at least five to six times so same thing again and again I had to repeat myself so


ya end up I just ask them I just want to know that that issues that I'm facing right now, so err out of the whole conversation I only could absorb twenty percent of what the person was telling me because, the way they talk ya the the the way they they they speak


and respond to me is err in a very different uh kind of accent which uh singaporeans sometime just you know we just want to interact with someone that can actually speak well rather than someone who speak very fast and then, doesn't really articulate the words very well so I keep asking that person to err the the the same thing again


but end up I got very frustrated I just say okay ask another customer service uh uh officer to call me back to to check on this thing because I cannot talk to you anymore because you are making me very angry , ya so so end up I I say okay I give you my number right now you call me back you don't you don't like I don't want to talk to you I I feel that you're not solving my problem because ya you are giving me more headache so


ya so the person after that err another officer called me back and then they actually told me that is because err, Singtel err that period of time during that ten days they are actually err switching their network from four G to five G, so they are doing a lot of troubleshooting and all that so but I my main concern is even if you are doing all this troubleshooting at your back end and all that but I'm still paying my premium you see I'm paying my uh monthly subscription and all that then


you're out changing me mah because you you don't you don't err expect me to only use twenty twenty days out of uh I mean thirty days we have in a month but I mean using twenty day with a better network and then the past ten days the network is like shit


so end up I told them if let's say I got important things that I need to send out via whatsapp and all that but sometimes the message just doesn't send out so ya so they they they try to calm me down lah so that the nicer officer tried to, ya actually I wanted to ask them for vouchers lah but then ya I want to ask them for voucher and then so that I can change new Iphone mah then at least can offset the handset and all that but


that doesn't happen so they told me to get my yeah they only the at the very most they say that they can only give me ya rebates like following month they add in a so called err additional data for me


ya so that to to to compensate back the the data that I have been like having difficulties for this month so they'll pay me back the following month, so ya but the thing is they they say not just me facing the same problem but a lot of Singtel user also call in to complain so err


ya but the thing is they didn't send out the email they didn't send out any SMS so they only just , ya so is like it it that's not the right way mah so at least you know that if, if if err you just want to if you know there's something going to happen then at least we know that okay during this period of time err we just tap on the wifi lah maybe at home or what rather than using our own mobile network


ya so I I'm just wondering if let's say if those business man using those corporate lines with Singtel and then if let's say err that that past ten days having that difficulties err connecting with their business associate then


then that is gonna be a, bigger bigger kind of err negative impact for them, ya, ya so for me I I feel that ya lah err for err telco they should really follow up nicely and then pre-alert the customer lah that this thing is going to happen


ya rather than just let us err call in and then got angry and all that so , ya but for yourself I don't think you are using Singtel right, uh oh you oh no so should I give up as well


ya correct


ya correct, okay, ya, , (uh huh), okay okay


ya, okay true true ya


okay, ah, gesture oh no


!wah! !wah! okay okay, is she always like that or just that particular day, okay oh


okay okay


!aiya! suck it up to him ya


ya aston ya


yup correct correct


oh okay, ya, correct correct yes


, , oh no


or maybe you are prettier than her lah that's why she felt ya err


oh okay ya it's at err mandarin gallery right ya


oh okay what did they do, ya


correct, ya okay


ya, okay okay ya


but their things there are not cheap you know in artisan ya ya


but sometime three dollar is is is err taste nicer than that the twenty dollars ya


then seventeen ya then seventeen dollars is for the aircon lah, , ya


correct correct ya, ya but then ya lah I I tried the chicken rice you is talking about chicken rice I tried the one at err this is it err Meritus Mandarin the, the very expensive I think chatter box ah ya ya ya correct correct actually their the chicken is so so


ya but I think you are paying for the service, ya and the overall ambiance like you are eating chicken rice in a hotel hotel area so , err so it it it's kind of a the differentiate lah the price wise and the ambiance ya correct okay


(ppl)


positive okay err ya, you start first april, yeah, yeah


okay yes yes yes, oh okay


correct yes


(mmhmm)


correct correct


you have the confidence in the doctor lah, basically ya


okay ya, myself err for me I maybe I can talk more about like you know travel you know travel tourism you know now COVID all of us err


got to stay in singapore we can't travel anywhere but once the borders are open and hopefully the vaccine can be found the first country that I really really want to go back is in taiwan, ya because ya I think taiwan has got a lot of nice memories


in terms of the the friendliness of the people over there, and they also have many sightseeing places, and food wise is always a ideal choice for for me and my entire family ya is like is like you know the the the the the night market itself has got so many selection of food even though sometime they selling the same thing but the taste is different


ya so ya and one thing that really not just about the overall of Taipei but I think they have very nice boutique hotels, in taiwan in Taipei basically so err the the last time I went to taipei I think was two years ago for holiday so err what capture me about this hotel is actually it's called whale hotel


so err W H L W H A L E it is located in err this err nearby to err, err, if I'm not wrong is near <mandarin>xi men ting</mandarin> area, not not very far away from the train station


they it it's a new set up hotel and then err this hotel itself once you enter , the hotel you would be amazed by the design because err, it's very modern and then the moment you step into the the the the entrance of the hotel right


the fragrance just err capture you, ya so err, ya unique scent or aroma err fragrance that actually attract not just for me but for everybody so err basically when you check-in and all that and then before you even step to the check-in counter you feel that err you are in a palace area so it's very modern


ya and then err when we actually got into the room itself it was amazing because err sometimes they they they offer like , those welcome drinks to us and they delivered to our room itself, ya err and then


correct but this service was quite good because they they want us to settle down everything our bags like once we check-in leave our things there they deliver the welcome drink not just welcome drink they even brought like fruit platter, and even some uh local delicacy of Taiwan lah for us to try


ya so I felt that this is one very small touch that they did to actually impress us even though we it's our first time to the hotel, but the overall was like from upon ten I will give them maybe eight point five so ya and then in terms of the the amenities of the room right they have like


really amazing kind of cheese and then they have espresso coffee and it's all free flow so once you finish you can just err ask them to top it up and all that and then , they have err those err amenity kits whereby they use err which is the quite err the top tier kind of err brand I think is from


french or something like that so I felt that !wow! it and the the price of the hotel is not that expensive err I think for one night you only pay about ninety singapore dollars, and ya but you live like as though you are in a palace so that experience was really amazing so err it doesn't just only attract the youngsters like us but err my parents also enjoy their stay over there


err the services that they gave to us err and also like you know the breakfast err in the morning at the hotel right, it's like , with it was a huge spread so they have err every thing from the western all the way to the local asian taiwanese food


so you know being the the being parents you know they usually will target, things like err porridge, with err those err pickles and those err, err how to say those ya those delicacy


ya but for us we usually will aim those western kind lah but err for the parents they they usually aim those porridge and all that lah so to them it's a, yes correct correct, yes all ages so and then err the breakfast timing was quite quite good because they open as early as six and they finish their last order at eleven thirty which most hotel breakfast time by maybe ten ten thirty they close


so err and they amazingly because they still err prepare the lunch but they they need to set up their lunch err and all that but is err being actually set up in another restaurant so that's basically why they can actually err extend the breakfast timing to eleven thirty


ya so I feel it's err we don't have to climb out of bed early in the morning just to go for the breakfast so usually we can sleep like till like ya like ten you come down you still got one and a half hour to enjoy your breakfast ya so I feel


relaxed sleep more and then err get yourself recharged and then after breakfast just go out for shopping and all that ya correct, so I feel that ya I just can't wait to go back to Taipei


once the borders are open, and of course not just Taipei lah I think we err err have many places in mind even for yourself you just want to travel and all that but , err we just hoping that things will be err be well soon so that we can start travelling


and enjoy all our hotels overseas ya, ya ya, correct it's very small ya


interstate ya correct correct, , ya saint john ah itself it it it sounds like ya in in in in some uhuh british country but you are still in singapore


, yes correct


ya okay, ya a boutique hotel ya is is ya, correct yes


ah okay


concept oh themes okay ya, oh okay


!wah! okay okay , okay


oh no okay


!wow!


!wah! okay, ya oh, okay oh okay, but is the room big itself


(uh huh) okay, !wah! okay, oh okay


ah how many nights did you stay over there, four nights ah so you tried four different rooms, ah ya ya


yes yes okay !wah! so that so that means they they actually err err very approachable and friendly people the staff over there, oh but where is it located at


debate topic one


okay for my policy wise I have, all from different, different company, like my health insurance is actually from Aviva my Great Eastern okay my uh life insurance is from Great Eastern and then my accident plan is actually from Prudential


so uh from three different company so , basically I have actually uh use my life insurance uh my sorry my health insurance before , previously when I got some health issue, so


the benefit of it is like uh when I, hospitalised after I was discharged right, I do not need to pay like a single cent so, so I can claim everything and then the Aviva actually take care of everything so even the post pre and post


hospitalisation is actually all covered, and, and because actually my plan is a private plan uh for private hospital so when I was discharged I'm actually uh Aviva actually pay me a sum because I stayed in a government hospital so I think insurance really does helps lah


yup (mmhmm)


personally I don't have endowment plan I don't endowment plan is different from life insurance right #Shu Hui#, ya ya, ah okay okay so uh what I have is only life insurance, which I hope that it can cover me for life lah that's the thing so endowment plan not at the moment yet


so when I old already I can look for #Shu Hui# right cause I got no endowment plan , okay car, okay previously when I was working full time job it took I spend about eight to ten percent on my insurance but uh currently now I'm my income is in unstable lah so is a bit difficult to estimate at the moment so I didn't add on I can't add on anymore like uh heavier plans


ya, coverage ah for the life insurance is it, I think life insurance not a lot leh because I use the flexi flexilife so which is like I pay for twenty years so after that I don't have to pay anymore it will just continue to roll on so is like I


pay more monthly but I don't think the coverage is high if I'm not wrong I think is about hundred K only, so uh, but currently because I have like like you know I have some existing issue so, (hmm) probably


when I start to earn more then I will look more insurance from you ya


okay for myself I have my insurance from all different company because like, when I grow up in my lifetime, different friend from different insurance company actually asked me to sign up different different plan


so uh one of, when my my first plan that I got was from Aviva that one previously I signed because it's I don't have to pay a single cent so it's all from CPF ya so that one I was signed up when I was very young also through a friend ya who like get me to sign


then as I grow older I realise that oh I actually need a life insurance so my dad's, friend's daughter was actually in Great Eastern so she , ya my dad asked me to get it from her so after that I got my life insurance from her then recently I just got from Prudential which is my dear


#Shu Hui# friend is in Prudential so uh I got this uh, my accident plan from her so uh why I don't change all into one company like I said earlier is because actually I have pre existing issue so I think changing could be


some problem there, so I think I have no choice but to hold on to it lah but probably when I richer I can get a, add on other plans , ya figure coverage ya


cause my whole family uh my family a lot of members have cancer lah so actually I'm quite worried on cancer issue, so I'll ya


is that recommended to buy when you just go to JB for one day ,


ya short trip only like one day sometimes


okay, ya


but I think that is very important leh my cousin really unluckily she have this maid right uh the maid got cancer and actually the maid have cancer before she my my cousin actually employ her , she got cancer she was sent back by her employer previously then she came back again then she work under my cousin then uh after after like


one year suddenly she's bleeding a lot from her bottom lah then then after that my cousin brought her to the hospital right then she realise that she actually got cancer and then the doctor told her oh do you want to do anything because previously she already like diagnosed on this issue then my cousin realise eh actually she have this like


years ago, so I'm not sure I think I think maybe uh for maid, really depends on your luck sometimes when you can ya so whether


how they, ya, for maids right


ya lor okay


agreed


very stressful , yes , same same cause actually uh like I said earlier I do have this uh personal issue so, uh, before I was hospital okay before I decide to do the operation I was so stressed out whether I have


the coverage from my hospital for my hospital plan lah the health insurance , so uh it, I'm also like considering like not doing the operation said if I really don't have the coverage cause uh


it's quite a lot of money lah about twenty K, yes ya so even after after deducting from MediSave I believe I still have to pay up quite a big sum so, ya so I was glad that I actually have this insurance to cover


and and get the operation done lor and it was already very smooth and quick, and stress free , ya, (uh huh), oh ya


but do you for the, the new regulation right the there's a new regulation on the on the MediSave claim right now, is it ah I thought recent


true ya I've not actually everybody is claiming a lot also ,


, true understand


, yeah ah okay, it also depends on the comfort level of how much I can pay like monthly also right


that's why I say I old already I go and look for you I know you'll be very rich


yeah okay


true to me I also will approach an agent cause I think insurance can be quite complicated ah there are a lot of different plans for different coverage and different things so, I think if I have to find out myself I will take quite awhile lah I think really a lot of like terms and conditions and hidden stuff yeah


same for me is also the same so, like the coverage oh and the amount that I have to fork out every month ya whether is comfortable or not yeah so that's the thing


it sounds like what an agent will say , ah yeah


yes right you, yeah okay


debate topic three,


why I got a lot of bad experience right , okay okay okay I was talking about uh good hotels dot com earlier right so now is the, not good booking dot com okay really I think really they make a difference ah so


there is also one of my japan trip again so previously I actually book a resort, for okay we were travelling around japan like different different parts of japan so I have book like different different hotels and resorts all around the whole of japan ya that that area that we went to lah so for one of the days we are supposed to stay in this this resort this then


uh, from like one or two days before the stay one which is one of the day lah uh I received like missed call because it's a singapore number I was in japan I didn't want to pick up the call right so uh, I got one missed call I didn't call back then on the day before I


we go over to the resort I happened to see my email say uh from bookings dot com and they tell me that oh , they understand from the resort saying that my booking will be cancelled, because the resort has talked to somebody and they said that they want to uh we want to cancel our booking


so it's like !huh! so now I'm going to stay over there already and then now you come and tell me I I'm going to ya I'm uh it's going to be cancelled then and and they said that , there will be and and actually we realised that there will be a storm during the night then they they just leave us hanging like that and booking dot com is like not doing anything to to check or to to to so so I actually called booking dot com back immediately when I was there and they they just say that !huh! they are just only being told that


we they have to cancel the thing, and they didn't even try to do anything and they tried they they did try to call the hotel the resort, but the resort says that , oh it was cancelled I think we believe it was overbooked, but like booking dot com is not doing much oh so at the end of the day we actually got our japanese friend which is in singapore


to help to call the resort to talk to them, so my the japanese friend who spoke to the resort managed to get everything sorted out and then uh the resort, actually uh look for another place which is nearby to them to let us stay in that in that that other resort where and then they they actually give us a free like free the breakfast and dinner lah


but that was after my japanese friend told them that he's going to complain to their don't know japan hotel organisation or something like that which I didn't know they have that ya so so after that they they we sorted it out ourselves and then, okay the the night just passed ah I mean it it already have a storm oh then they just cancelled us like that so it was actually quite unpleasant lah quite unhappy about it and


and the the, thing that made me even, more unhappy is, hotel dot com did not even call us back to check whether we are okay to check whether we found any place to stay or not to to even help us to find a place or check for us


nothing at all since since that night so we uh kind of like boycott hotel dot com now lah no matter how cheap I don't think I'll still I will get it from them is I think is already quite bad lah because, they they we are going to stay that night already eh then then they just they just like tell us is cancelled like that


so , so no not from them , ya


mid autumn festival , mid mooncake festival


(hmm) over until the over already


it's like saying that you all come you all want to bluff the mooncake like that our goodwill , like


Facebook review , ah


make make sure the plan work your policy works okay, ya that's not the point right


ya, !wah! that was actually quite bad leh (hmm), so so until now no no response at all


ya lor I think have to but I don't want to follow their page okay okay , ya, follow up lah at least ya


oh okay


ya lor like even if they don't want they don't have enough mooncake to give you right they at least will do refund lah , quite ya actually quite bad lah, actually I have , (hmm) not from here actually I have this Shopee experience also you know all those from china one


it's it's also the same lor as like I meanah sorry lah not not say because is china lah but I mean the product the the thing that I bought from it's really it it actually delivered from china this china seller, they post on Shopee is more like handicraft stuff lah just small items but I quite I bought quite a bit of those items ah so one of the item that


came was actually uh have some manufacture defects so it's it's really very obvious is manufacturing defects so I took photo and then I send to the seller and I told the seller the seller still can come and tell me oh it should be due to delivery


then I told her what it's like obviously is manufacturing defect delivery is confirm different type of defect right you can see the difference so, so she she just tell me ah okay it's okay never mind the for your next order then I can do this replacement for you so I still have to spend again okay lor never mind


then since I need a few more thing so I just got uh bought a few more things from her and then , I dropped her a message to tell her that please put in the replacement for me and I actually sent her the photo again tell her the item


the exact item again and I actually messaged her like two three times before the delivery so she say ah don't worry don't worry don't worry and the next time when I received the item, she sent the wrong replacement and then the replacement she gave me was one of the item which I had bought previously which is okay one and and I you know I like !huh! my god then I take photo of everything again then I send to her then


because she sent me a replacement mah but it's a wrong replacements for the quantity is the the number of items that I bought maybe five items, so so there are five items it needs shipped she still can come and tell me is correct dear there are five you need please check, it's like what you want me to check you are the one who is not checking okay then then after that I send to her again then she MIA totally MIA didn't reply my message at all after that so uh I mean shopee lah you cannot do anything right


ah the lucky thing is is only two dollar plus lah so okay lah forget it ya it's the experience lor and then, very very I mean, not happy about it lah so I mean you also cannot do anything mah so the the only thing I can do is give her like one star I hope that I can give no star but


there's only one star option minimum so I put one star and then I put all the bad review oh, now apparently I think she got quite a bit of bad review lah a lot of people say that there's defect and then she MIA so I think I'm not the first one so I think somethings really got to read on on their reviews


that's why that's the thing ya


then got go or not


for you you are


and your and only giving you a call and then, no proper email and stuff , yeah


I think the salesperson didn't really do a good job previously lah when to tell you , ya ya ya ya true okay


I think gym wise I seldom sign most the time you won't go much that that much lah it's always the initial part ya lor


ah true ah true, when ya, but ya is good lah but then if you are not I think travelling there is really a hassle


!wah! dirty I cannot eh for gym I think gym cleanliness is very important


!huh! really ah !huh! seriously ah, ah, ah ah


oh so, so it depends on where you sign up and then, whether it's good or no good oh okay, that's why I didn't done fitness lah , , so don't sign up next time okay


debate topic two


okay for myself is uh one of the restaurant I went to I think that is the I think so far one of the best, service one I I can say uh okay the first time I went to her uh it's actually a japanese steamboat restaurant called you know Oka they actually specialise in #shabu shabu#


uh pork bone soup so the the last time when I went the my very first time when I went over is I drop my dog to to a groomer then I, uh while waiting I went over to have my lunch so I actually ordered the Chirashi Don from her so the uh when I was inside then I saw then I saw other people that they're they actually ordered the steamboat which smells really very good so I was like !wah!


I'm I'm a steamboat lover lah so so after that I the next day I brought my boyfriend down to to, eat at the restaurant so the first thing the lady the waiter the waitress who actually serve me the day before she's actually the one of the partner of the restaurant lah so so the first thing she saw me that day she she looked at me pointed at me and say Chirashi Don


then I was like !huh! , for like, a new customer I don't expect them to remember me so so she actually remember that I went before and what even my, order so after that we had a good chat with her so


she's really very friendly very nice and uh the their service in the restaurant is also very good and of course the food is really good too so we actually went back many many times after after the after that time lah so actually we have been going back to her for almost


like four years, so like every few months we will go over and eat ya so so she she is really nice lor every time we go there we will chat with her and then she she know japanese so my boyfriend like to like to her like


(hmm) practise his japanese with her lah so uh then then uh during the talk, she realise okay because I just joined property so she she know that I just joined so she actually took some of my name card so she did


actually introduced a few clients two client so far to me for rental so I think uh we are more like a friends now lah so I their their but everybody who went into the restaurant right I think a good sixty to seventy percent


they'll they know each other one we'll like she'll like hi so I think she really treat all her customers like her friend, ya so I think, yeah that's really very good that's why she's sad to say uh she's moving away from marine parade so now she's shifting to I think beach road area so uh I don't think I can't go monthly already but it's a nice ya


ya ya lor because her restaurant is like I always go in impromptu like suddenly feel like eating then we will just go down, so now cannot already lah a bit a bit not not super far lah but have to take bus oh troublesome , ya ya


so that's the restaurant


understand cause some places they are really , they ya they don't care at all so ya then a lot of places they expect, the okay lah most most people will will clean ah most owners but some places they are expecting the owners to clean and they don't do anything at all


ya so the, ya ya ya so, I think we're more or like


particular with our dogs so even even ya like this type of things , ya some restaurant are really very good, for the pet restaurant


typical woman,


but they don't find it the hassle to, like you try a lot of products or anything lah they will just, uh keep promote


more Atas , true


judge then don't serve you ya, okay for myself I over the phone uh services that I have which is I find quite good is actually hotels dot com


because I like to book my air tickets and my hotel separately lah so normally usually I will try I will use different different, uh how to say different website like hotels dot com booking dot com uh I go over to whichever is cheaper during the the for the hotel booking I will just


take whichever lah but particularly hotels dot com I think I have quite a good experience, besides like every ten hotel you book they will give you one one free, after like, on the eleventh the eleventh one free lah so


the good experience is with the uh okay because I actually book a hotel room for my japan trip previously for two nights but last minute we decided to add one more night so if I book through the website, I'm not sure whether they will link the three nights together so I actually called the customer service to check with them so the customer survey say okay it can be done so she she wanted to just help me to add on


for my for my room then she realise eh actually the price have actually gone up already it's not the same price as the one I have actually book previously uh has gone up a bit more uh quite a bit lah so so she actually told me


about it then I was not comfortable uh then she helped me to find other hotels which is of the same , uh the the price that I want, and at the area that I wanted and, uh around the the the better hotels or or about the same same star hotel lah so


she she actually took the hassle to help me to look, for whichever that is available and suitable for me then yeah she she really very nice not not I don't think all not all the , not all the operators will do that lah so so she helped to find and we managed to book one uh further down but


uh it's the same price that I book previously, and and actually, the hotel is much cleaner so, after that after that, time that I stay in the hotel right the the next time when I went back right I always go back to the hotel and not the previous one already ya the one she introduce actually it's already much better much cleaner lah


ya so I think their service for hotels dot com, has been good so far lah


I think they have eh if I'm not wrong they should have but, probably you may link up to like, people from different country [bah], I think so if I'm not wrong ya, cause cause


oh airbnb , airbnb it really depend on luck right cause sometimes like you, ah yes yes sort of


, ya , but they are still clean right,


compact ah, but airbnb for japan must, be careful leh cause uh they they because they have to be registered but there are some people in japan they put up for airbnb but they're they are not registered for airbnb


and they have a regulation lah say that they have to be registered so so say if you go there and then they will then last minute the government check on them right they have to just cancel your booking, like immediately one ya


okay so now you know ya, lucky ah ah okay


actually I do, let me add add on a little bit more okay okay for airbnb previously I booked because recently this COVID issue right then uh the my airline was also cancelled so uh sorry not airbnb for the hotels dot com


so so uh because the airline was cancelled then I have no choice I have to cancel my my hotel booking and my hotel booking that time I bought because is near to Olympics, so they the price actually is all right but the they don't allow refund


if I do any cancellation so suddenly this COVID issue came out, I called hotels dot com and request whether I can do the cancellation so they are very nice they immediately call the hotels to check for me, and the hotels allowed it and then they get back to me like pretty immediate pretty fast lah like almost immediately like to let me know that it can be cancelled they they will help to check my orders


all these issues also so I think it's quite good, ya but if you want to talk about good service I believe it's more like in japan lor , ah japan I I think their service are really


a one notch higher lah compared to us here yeah , so they really treat all customers like customer lor, most of them , especially in their more Ulu places ah


I mean in city I think, a lot of youngsters already so, some may not be as friendly but, most of the, older salespeople are actually all very good in their service and


yeah (hmm), any other , ya lor


ya lor true


service ya I mean maybe those small ones like when you go to a coffee shop or or or place the the people know you once they see your face only they will know oh what you want to eat what what is your order ya I think that one is most additional touch which is


uh, ya true it's not a lot, ya lor true, yeah


ya I believe not not really in singapore I'm I'm actually watching this japanese show that they actually show more on like house renovation, uh I think the the the artisan lah which is their architect who do the renovation for the house right they actually do the extra miles for the whole family one


like like if they they are handicapped uh by the the people who stay there they they are handicapped right they they actually will go and bring them to the shop that, sell like example uh toilet stuff lah like the toilet bowls sink and they their shop actually have those


what you call that those like a fake wall that you can actually push closer or near uh nearer or further so the people with those , to a handicapped right they they can actually go there and then test up the space whether they like it


or whether they want it want the toilet to be bigger or smaller so the their architect can know what to do to to them to their house to their toilet so I think, all these services !wah! we don't get in singapore actually ya like ya even even Adidas that I went to is it Adidas that I went to in japan right they have this machine that actually check on the sole whether your leg is actually bend


inward bend outward what type of sole what type of base is better for you what type of shoe is more suitable for you they have this type of machine, that actually help to uh measure everything and we don't get this in singapore also and and actually I I went to try because when I go jogging I always have leg


leg issue I always feel my leg pain so when I got the shoes that they actually do for do this check for me right, it really, helps lah it really helps so I don't get the pain after that so, why singapore don't have that's the thing


[oh] already [ah], !wah! I think not many now, okay


okay


debate topic one, okay so uh I personally have personal insurance uh , most of my personal insurance are with Prudential and it's one of it is a whole life policy one of it is a uh


I think a ILP I also have accident plans and also like shield plans so in terms of my experience with the policy I think I think I just feel protected so very comfortable lah so yup


okay then on the second point like uh I do also have an endowment plan (ppc) so again with Prudential so I think the key feature is mainly for uh retirement lah, so uh it allows me to do like a savings monthly and then uh let it grow in a long run so in terms of the experience I would say is pretty much fast free cause it's as good as just doing like savings in the bank


so uh I like the feature because it's also a limited pay such that I only pay for like five years, and then uh we can just keep the the amount to grow lah basically and when I really need it in the future maybe when I'm sixty or sixty five you know when I'm close to retirement then I


I have the option to cash it out and, if I do not need it it can still be continue to grow and ya lor if let's say around like seventies when I need it I can also do a withdrawal


, ya it's different ya it's actually very different


uh okay so I think in terms of endowment itself it's mostly more for for the future lah I would say it's also like protection but it's just that it's not uh so called health related it's more for


more for continuity lah it when especially when it comes to like expenses in the future cause especially when we are not working then uh we will still need uh we still need to spend on the usual life life expenditures mah so it's more for future planning lor so


number three if let's say in terms of the percentage of the income I would say that uh it's about about twenty (ppc) I spend about twenty to thirty percent in insurance itself which is pretty high cause I choose a lot of my plans to be of limited pay


uh it means that I try to pay off lah while I am still of this uh because I'm thirty one so , now uh I choose to pay off everything before I reached fifty, because things like shield plans and like hospitalisation plans and all these things of course uh we cannot


you know we cannot stop paying but in terms of the life plan uh and also on endowment I choose to pay off uh while I'm still able to pay off lah so in terms of coverage , because if I add in my ILP I think we get I get about uh five hundred thousand in terms of coverage as in the main some matured lah


, what about coverage ah like what what is the kind of coverage that you have at the moment


I I think uh okay the next point on uh on whether I get insurance from single insurance provider I would say yes uh because most of my uh in fact all my plans are with , with Prudential so uh the reason why I also had only have one single insurance provider is also because


I want all my plans to be consolidated so if anything happens to me uh my close ones can just you know go to go to Prudential, and all my policies are there and they don't have to frantic in terms of like oh where is there any other plans that she that I bought that they're not aware of and all these things so that's the reason


I do that and uh I think the, the only insurance that is not related to Prudential is is car insurance lah so uh for car insurance I think I look for more for the basic plan because


ya lor in terms of cars I think is very straightforward is renewable yearly so if let's say there's anything that I done I don't like I can just switch out uh any time , so I I got it from direct asia actually cause it's very cheap and yup so in terms of why I choose the single insurance provider is mainly for the fast free claims lah and I do have very very good experience


uh when it comes to hospitalisation claims from Prudential so for the rest of the, of the policies I also choose them cause of past experience as well


a bigger coverage , okay so the, and the next question I think would I I do get insurance because uh when when buying a car definitely we need then getting a property I also do so the thing is because for for property mine is still building in process lah so


uh in a in a in a sense of getting a mortgage insurance I think it's more for uh when it's at least halfway through okay uh that definitely I believe in getting , then travelling overseas yes I do get uh buy travel insurance as well but I don't buy when I travel to JB previously so cause sometimes is just a drive you know overnight or or you know for few hours so I don't do that uh


actually it safer lah uh I'm a I'm a very Kiasu person so when it comes to uh you know the if there's a risk ah of having a liability I will do that because I I I myself I believe in paying something upfront to get myself protected than do have it uh than do regret


in the future so even if let's say I travel to Bangkok I I also do purchase some of my friends they don't buy cause they feel that it's it's just nearby what more can I lose , ya but I also heard a lot of stories like my friends falling very sick you know like street food in Bangkok right so some of them gets uh hospitalised and all that so I'm very concerned and worried so usually when I go for all these trips I will buy


uh having children uh I think I also bought insurance for my nieces actually so, actually I'm a very firm believer of insurance lah so for for children I think it's a must especially to lock down the the low premium when they are still young and before they get any illnesses so that's the reason why I bought for my nieces as well


engaging a a domestic helper I would say uh not at the moment cause , ya lor don't have maid mah then


gosh, yeah and and uh the next one I I think for maids I am a bit half half cause I'm not very sure in terms of how how they're uh coverage can ya lor


because I from my understanding a lot of people they are not very willing to spend uh on ya correct correct so you will hear a lot of stories like how they are being sent back lah without the treatment and all that thing, yeah


ah okay (ppc) CPF insurance coverage I think it refers to the MediShield mainly lah okay so MediShield life I think it's very compulsory for all singaporea NS to have but I think it's not sufficient so


if uh if you look into the the limitations itself right I personally feel that is too little because things like chemotherapy for example or when we look at operations uh anything that requires a surgery right there's always a cap


so me myself I I don't think it's sufficient at all cause , uh imagine like for example you work for maybe ten years twenty years the amount that you have in your MediSave it's very little so in terms of MediShield I don't think it can help a lot lah because of the caps and for example like every year or even on one chemotherapy you can claim


uh I mean if we think about , going to MountE right I think it easily hits a five figure bill, so (hmm)and and and and I and my mom suffers from cancer before I don't think anyone of us would want to spend or or protect yourself


with a limitation because when you're sick right basically you only want the best for your family member and even for yourself lah but uh if let's say you are faced with a limitation like you are very scared to do this operation cause the our pocket expenses is very high and all that I think ya it's very stressful and I don't like it


but your is but yours is good lah yours is the one hundred percent coverage those that is after march twenty eighteen I tell you it's all ninety five percent coverage so there's a co-payment required already


, uh so in terms of the recently ah recently they say that they are going to increase the premium for the MediShield life lah so basically yeah the deduction will be more


cause I think it's is a natural thing to do I mean if you look into inflation and also now the economy is quite bad right uh it only make sense lah because in terms of like for example inflation you don't see our salary go up so so far so high even when we are working mah so


I think I think uh is essential perhaps they already pulled off these for very long while and singapore is ageing population so ya I think it's normal lah, long, that's why that's why I that's why I'm also a firm believer when it comes to insurance cause cause at least at least


before all these uh implementation because you see ah when the government implement something right it's always so fast you can't say no right so at least you have something at the side lah even though even though uh it cost money in a sense,


and next one ElderShield I think it's ElderShield DPS and all these things I think is uh more for a additional thing because uh as we uh I'm I'm the kind of believer when we age right uh we need to


make sure that we are protected lah uh we can do or planning now instead of in the future so all these other plans I think is just at the side as a cushion lah but not so much of a of a very comfortable cushion I would say is a minimal bare minimum shield ya


ya, correct correct so so since young I worked extra hard


okay, no lah comfortable comfortable , uh okay so me myself when I comes to insurance planning last time uh I I usually approach an agent cause there is always a lot of hidden terms and conditions that


uh I do not know as a consumer but now as a ya as an agent of course I buy my own insurance in fact I pop it up myself cause I see the need and the benefits of it lah


uh what do I look for when I buy a insurance policy I think I think in terms of policy if let's say unless we talk about endowment ah endowment we look at returns right but uh if you looks at uh health protection I think is the amount of sum assured


versus the amount that I paid in in terms of premium lah so that is mainly what I look for because and also the area of coverage, so uh ya so these are the key things that I I tend to measure


ya then I think uh what kind of insurance are essential I would say all kinds because I already reached the age where a lot of changes can take place uh and a lot of people around me are falling sick I hear a lot of stories so, I would say all kinds we endowment retirement health uh basic hospitalisation


ya because we we see a lot of people uh and we hear a lot of stories like like for example you you also have a story to tell right but of course ya so I think it's a or even people with family history I think it's uh I'm scared myself lah so I would say all all types oh


debate topic three


okay I think jaslyn start on this no I keep starting mah then I let I give you the chance


why uh in terms of the negative experience uh I will I will share my most recent uh unpleasant experience uh it's actually with the with this bakery called #gin thye# , cause uh you know recently there's this mooncake festival right so uh I ordered one one


the mid of mid mid autumn festival mooncake , eh so so for this festival right uh because I I had I had this client that there's a lot of uh


quite a big plan with me lah on the last may during this period so I was like thinking I should I should send her something to thank her so usually I do that for for my client so what happened was uh I ordered this, this durian mooncake from #gin thye# because it's a very last minute thing right and during this festival all the good uh the good places like Goodwood ark lah all these places their their mooncakes are all sold out


so my my client is from malaysia so I I was thinking like eh you know she likes durian so maybe I'll order from gin thye since they're they're available you know they are still available , to to book and purchase online so what I did is I purchased a set and send it over to my client then I think where my client got it right she's very happy she's like thank you and all that thing then P


on the next day I think she struggled a little bit lah she informed me and say that eh uh do you know that when I received the mooncakes right it's not frozen it's pretty much thwart so when I taste it is a bit sour so I was like oh my god I feel so bad because


you know it's it's uh a client that I'm not very very close with it's not like a personal friend you know so I thought that it sets a bad impression so I was like I called #gin thye# and #gin thye# say that oh you know what uh let me check on your order the thing is their online platform right they don't


they don't have a very good tracking system so I share with them my mobile number my email address and all that right , they don't have any record so basically I have to you know search ya I have to go and search from my email for that specific order number and then I call them again I say that !hey! you know look this is my order number x x x and this is what happened


no sense of sorry or anything all the all the auntie said is oh I will go and check ah then I will get back to you , okay no sound no picture no nothing no cause nothing at all so uh they have a Facebook page so I texted in a Facebook page and and told them !hey! you know this is my order number I called in previously no response


so I somebody responded to my messages like maybe three days later so is like the, the the message was was drafted like quite bad it was like oh you know we can actually uh we can actually uh send another mooncake for your client uh out of goodwill so I was like oh what the hell are you talking about cause your mooncake


who wants the stupid mooncakes so I was like like so I was I was thinking it's more for a gesture and now is like a bad experience so since he said that out of goodwill right I say regardless okay send another set of mooncakes down okay before the festival ends right


no response no nothing uh I sent I think a few days later and say !hey! you know what's the what's the progress uh have you send, no respond but it was read I send again it was read no response so ya it was a very very very bad experience and uh I think I will I will do a review lah


cause ya ya ya ya cause you know this kind of this kind of like so called tailor or whatsoever right I find that they're they don't action on something unless you do a official review with them , it's like I called and then I messaged and you are the one who say that you're going to offer me but at the same time you know you just double blue blue tick me in a way I tend I think that it's not professional and and I didn't buy the cheap mooncakes you know I think including delivery it would it also cost me easily eighty bucks


so I think it's not not fair for me and also not fair for my client what if she gets food poisoning and all that I mean she's she has the plan lah but it's it's you know is another story mah, , and you'll what you'll it cover food poisoning but but it it's not it's not it's not a way to it's not


it's like eh you know what I want to demonstrate to you how this accident plan works please #lau sai# first , , ya so this is, it's very very bad, ya so maybe after this I will just go and put a review please please help to like my review ya I think I will do a review lah it's I mean the festival is now over uh at least you know uh there should be some


action lah you know it there should be some uh some backup that they they have in mind the thing is you see my client is at home mah so, if there is no way to say that oh you know when we deliver the mooncakes and the your client is not at home and hence the mooncake is not cold and all that by the time she receive everybody is home


and when they receive is already like that and where they taste it is already like that then it's a quality issue what they're doing f and b so I think it's very unethical for them to do that lah


ya precisely, ya so I won't order again


is it expensive, ah, ah but still is the experience


be, alright , I think the other bad experience that I have uh it's with anytime fitness so I I signed up with anytime fitness I think three three years back two three years back I signed up because


my boyfriend is fat lah so last time you know we we signed up at anytime fitness together okay so so the thing is because my boyfriend had this brain surgery uh last december right so, before that he couldn't exercise cause he's seeing a lot of double vision and all that so long story short when he stopped going I also stopped going so the the surprising thing is uh I received a call in I think july ah


three months earlier uh just past three months so, saying that you know uh we have not been receiving your payment lah okay so I was like ya didn't pay cause I don't want to go anymore and because COVID that period right so who nobody can go to the gym you know and and I just natural stopped going and stopped paying because if if not if I'm not going I'm not going to pay


and I'm ready to give up their membership because even before that I think for year I I'm not been gyming, then this guy he was like calling and say that oh you know what uh if let's say you want to cancel membership with us right you will have to pay a one month one month membership fee before you can cancel


so I was like !huh!, I still need to pay for one month so that I will cancel it doesn't make sense cause I have not been going for a very long time been I have not been using their their services and all that so okay I said you know what, uh you send me an email and uh and and there's a lot of scam recently right so I say you know what you send me an email I will look into it so


I didn't receive any email so I just forget about it lah okay and uh I ask my boyfriend about it my boyfriend say ya ya ya that person called me ah I told him about the surgery he just say you know stop paying and and that's about it, there's no need to return the dongle or anything they will just deactivate everything on their end and all that so I was like (hmm) but mine is a bit strange because they ask me for one month membership fee then he's like you know what don't pay doesn't make sense cause we are we go to the same gym


and after that uh I received another harassment call again cause this guy has been calling me almost every week just to chase for their one month premium so I was like you know what I did not receive any email from you so why do you keep calling me, then after that uh he said uh is this your correct email address then he read out my email address is incorrect so I was like I don't know where you get my email address from anyway is incorrect okay when I signed up uh


when you invoice me or all the all the previous engagement and all that right it's all correct so I don't know why are you sending to a wrong email now and questioning me about it because I did not change my email address okay , so he was like uh oh no uh sorry ma'am blah blah blah but I need you to pay for one more month then I was like uh


I was like their one month again so I was like no I'm not going to pay then after that he's like oh is a is a don't know based on their terms and conditions then suddenly became legal binding so I was like no, if you can do the same for my boyfriend okay I don't see why you treating me differently


because we stopped going at the same time we go together at the gym at the same time we stopped going at the same time so it's a bit of uh double treatment lah , and he's he's I think he sounds quite young and very inexperienced instead of understanding what it's you know the the thing or or whatever then he's like oh you know what if you don't want then you can also transfer your membership to another person so I was like why would I want to go an extra mile and recruit one more new customer for you


and then after that uh ya and eventually I guess block his calls lah because I find that , is very in-professional to keep chasing or I've uh it's not like their gym facilities are are awesome or fantastic like pure fitness and all that they are just a very normal gym and and suddenly you know you are chasing me for that eighty dollar a month kind of thing oh I find that very ridiculous


so ya I block them and and all that lah and it does not make sense it's just simply doesn't make sense, ya, so after that they send me the invoice and I just you know because of that call it make for me if let's say it make sense right like okay I mean it's it's all terms and conditions if let's say you know uh it's it's it's highlighted to say that you know if whenever people want to stop going to the gym they have to pay one more month


I never hear this kind of thing before lah okay so I find that ridiculous, , ya is is like jaslyn uh you know uh if if you want to cancel your booking at this hotel you have to pay for one more night


does it make sense to you it doesn't mah , so it's a bit crazy, then ya I would I would caution people lah you know uh when it comes to these two places so don't ah don't go anytime fitness ah and also don't go and buy from #gin thye# online ah


ya, but uh but I actually last time I enjoy when I'm working uh near to the gym cause like you know during lunchtime you can go for a quick jog you can you can shower there you can freshen up then after that you know you get exercise


ya lor, because the ones near my house right like the one in #Ang Mo Kio# right that one very dirty lah so I don't go there, ya lor it's uh


the worst one is at Sengkang hospital eh that they have a branch at Sengkang hospital right then they have ya then they have a lot of like nearby residents and also the doctors they'll sign up membership there right I tell you the the moment you step in right you smell the sweat smell and that's my pet peeve eh I cannot


so I was like !wah! how come so smelly ah then I was like major turn-off so after that uh ya, their their their outlets I don't know then oh I realise that they are actually run they are actually a franchise based so they are being ran by different bosses lah so maybe the person who caught who ya


ya correct lor


debate topic two


okay I think one of the positive experience that I have usually it's more for leisure and entertainment lah so for myself , I would say that usually when I want to make an appointment or uh like like recently I'm planning for a event


that is that is to be held at the hotel lah so for us I would say it's more for stay-cation so not so event lah more of like staycation I think those of the, the customer service agent over the phone like you know because now uh it's COVID mah so now uh we are


uh there's limitations like there's only a gathering of maximum five people so there's a lot of questions like for example if you were to hold uh a social in so called uh social gathering how are we going to go about that because there's ten of us and and the that will be at the location


so the the agent on the phone was very very helpful uh actually from W hotel so for how she is more of like sharing nursing uh in a way that you know uh we have to stick to the regulation , and at the same time what are the key things to look out for because there might be spot checks from the officials like you know in terms of dining there's still interaction so even though we're all aware of that she she still but she's still very patient and explain to us the limitation but at the same time she


she's very warm lah and I and I appreciate that cause , some agents you know lah on over the phone you can sound very irritated but from from this person that I have that I spoke to from w hotel she's very nice


yeah correct and ya lor


actually that's very good, so far it's quite far for you what


, it's not convenient already


uh the next one I think in terms of like telco not so much lah I don't have a very good experience with telco companies, I think in terms of customer service agent that leads to a a good experience the other thing ya lor mostly F and B lah so like for like similar to jaslyn I go to actually I go to pet cafes a lot


so for myself I think it's more for, like you know how how they ensure that the environment is very safe and very clean especially when it comes to dogs right like they will some of them they do marking all over the place and all that


but the really good ones sometimes they ensure that the area is very clean and conducive for humans and dogs to eat, you know in this especially if it comes to hygiene ah so positive experience is more for uh not not just on the interaction with me but also them during their due diligence in ensuring the


the place is clean the food is uh served warm and at the same time still safe for for kids lah yeah, dirty


ya then some it will also have people who are owners they they don't clean what so like they pretend they never see all these things


and I really don't like that yeah, , ya, correct


I think the next the next kind of a consumer product or services that that are that are that give me positive experience maybe at Sephora I think, like you know sometimes you are just window shopping you want to look like for myself actually I always buy foundation from Estee Lauder so I always


I always buy this foundation lah for many years already but the thing about me is I will still want to shop around, I wanted to see if I want to see if , I I just want to see if the the new products uh have better coverage uh as in terms of the face coverage not the insurance coverage one the have


full coverage lah and all that thing so I I will still shop around especially now there's a lot of korean brands coming out so in terms of Sephora I find that their styles they are very consistent eh so like uh regardless of their brands that you are interested in they will still like oh come come come you want to do a a you want to try


I think I think the, the best ones are are in Ion I think sometimes they are busy lah yes that I get that but I think at ion their staff are younger and and in a way more hip lah so they were like oh never mind you can try these and and they will also like


uh introduced the some of the new products that they find that is good so we talked to them like friends lah like sharing beauty tips and all that so that is one of the brands that I personally like to to shop


ya like if I mean if you if you compared to the counters at Takashimaya of course it's very different lah cause Taka the, I don't know they they not say Atas I find that the salesperson there right they sort of judge you first before they approach you and I really don't like that


ya because I'm the kind you know I like to wear T shirt and shorts and go to town I don't care I wear my slippers and all that cause so sometimes you just want to buy something right so we drive there then we just buy then we go out then sometimes you walk around so I don't like it when people just you know look at you from top to bottom ya I don't like


you mean they they always uh in terms of hotels dot com they have the twenty four seven service is it or they don't have, oh is it


uh, because I always book through I always book through airbnb so sometimes ya, I like, ya it depends on luck cause last time I went japan right uh I didn't expect their own homes to be really like so small I mean I know that their hotels are I know that their hotels are very small but their homes are are also very small and


it was uh a bit of a shock lah so some of the uh, they're they're clean they're clean up luckily they're clean is just that uh it's it's very I don't know their in terms of maybe it's the, ya in terms of the the the expectation lah is a bit different lah ya


ya lor


ya ya ya I only know that I only know that after after I stay stay in a few places so so I was quite so I was quite lucky lah I never gets spot check


ya lor (hmm) any other positive areas ah, (hmm) I think, I think if I were to really really squeeze something out I think it's mostly for uh education


education and training maybe ya I think you share yours lah mine is like not strong enough ya


, , ya and they are generally friendlier also


(hmm) I think mine is that's about it leh cause mine usually is more for like pet cafes the other one is like you know when I go shopping and all that , but I don't generally get a lot of positive feelings ah it's just more for like you know I I need something I get it I need to eat I go to eat ya in terms of nice I I would say is very normal lah we I I don't feel that in in singapore we get a lot of like


positive feelings when it comes to services, well, ya I think


ya but I think is only a few people who will do that leh to be honest, really ah it's not a lot we don't get a lot of positive experience we get normal experience , I think I think we I think we get transactions than a experience like if you're


ya lah if let's say uh you ask me oh we go to Universal Studios we we generally get a lot of positive feelings but if you ask me like oh is there any good experience with their staff I would I would not say that I would think that it's very transactional I buy a ticket if I need I need if I need directions I ask for directions


and that's about it I don't get those that you know goes the extra mile to help me with anything at all


ya we don't get


ya, correct


(ppl) I think there is [eh] I think at pacific plaza there's one last time [lah] but now I'm not sure already (mm)


part one finance,


yes okay, ask when, what we gonna do buy paid now is also I buy I buying buy shares


that's true no because, CPF get one percent higher also


ya, so so ha, you aren't change already, ya so basically it was how do you invest your money so I guess that we'll


what we are doing is we put into CPF and got spare cash we are going to uh put into stock market that what we plan to do right


OCBC, yes, okay next question


okay, question, they should make sure that,


they have money for the basic needs first right they should calculate how much how much they really need as their base before


(mmhmm), true


okay so the strategy would be to plan


, ya, correct


ya, true okay,


okay next question how did you spend your money, what expenditure is justified and what have you been spending too much on how do you spend your money I I I spend I spend most of my money, on I mean massage food


ya what else ah, ya, ya that's true massage is justified too is personal health


no, okay,


oh, that's true but I think I mean when like you talk about whether it's justifiable I I also think it depends on your income right like


I mean someone I mean I know, no why


true lah


, okay agree, okay yes


should I, should I DIY or get a financial adviser to plan my finances, ya you you think that you should DIY because you think that we should DIY because personal adviser


have ulterior motive, and if you can do it yourself why do you want to outsource to someone else


, , I mean agree, but that said I mean you you really have to do a lot at I mean I think depends whether you have the expertise and also time because DIY it requires you to have really time as well


like you may have the expertise where it might you might you may have the expertise but if you don't dedicate enough time to it then then you you are better off actually giving it to someone to to to plan your finances


that's true, okay great, okay next uh tap tap wait ah


what advice would you give to someone to get him or her out that, I think no lor so basically


have an Excel that that have an Excel that tracks where are your expenses and see where you can cut, where where where are you heavily spending your money on and and where you can cut


then from there you you get I mean you eliminate those spendings that are unnecessary and not essential, and maybe I don't know see whether they can get more income elsewhere


now say what, (mmhmm)


(mmhmm), means what


, okay understand, okay, okay possible, okay next how do you manage your cash flow how much of your income is allocated to savings expenses


insured and insurance investment, watching , how much of my your income, savings, set savings sixty but I mean depends now with your son


invest paying down mortgage right assets , , yeah yeah yeah I do agree that


okay how do you manage your cash flow I think that's more important, yeah right uh, how do you how do I manage my cash flow actually I I as long as I I very bad ah as long as I see my


because last time what we do is when my money salary comes in every month I I I I took I take out like a certain, a amount out then whatever I have inside I can I can use right that was how I manage my cash flow right ya so I know that as long as I'm


the app you mean tracker app, or by the way use that, already oh you mean the uh put into the component into, okay okay okay okay


ya ya you can use basically you can use tools from banks lah like right that's what you are saying to help manage your cash flow ya okay so what are your thoughts on CPF contribution very good


yea eh basically CPF, tax you mean no tax, really, I didn't know that, oh really


is it I didn't know that, okay, oh yes yes yes I do that ya ya ya have have have have have ya ya ya but I thought that was transferring to to my SA account


no okay, okay, okay, but anyway , (mmhmm)


yeah yeah because I mean it's a form of force savings, your government cannot, cannot take your money I mean they are holding my money but as in like if we ever go bankrupt however touch wood , they can't take our money right and it get it gets a better


what we have to take, okay, oh okay, okay okay ya so anyway (mmhmm)


okay so ya , what do you what can you do to earn extra income or to improve your income level actually it's a very interesting question, I mean like in terms of like


no but it's really tough like I mean actually I was I was just thinking I was just thinking like about my debt situation right like I mean you know I always say like I mean he don't want to go and work that kind of thing but but like


there's quite limited things that he can do if he wants to really increase his income level you know what I mean, really


because he he because he start from ya okay , no as in, ya


true, <S, ya , ya but anyway I think uh I mean for okay basically for a younger person perhaps how they improve their income level I guess the government will tell you to up-skill yourself, right like so that I mean


ya, ya, yup yup


(mmhmm), ya ya, ya ya correct okay so what what what what do you think one


oh do you think one should own a credit card totally as long as you are able to manage it, right yeah


(mmhmm)


ya, agree but I think all those that you are mentioning is it is it in the US because I think US has like very high credit card default rate, also, so I guess may it may maybe the ya so


so I I think I think long and short it's I think you should if you can manage your spending you you can ensure that you you you don't overspend on it yeah and I think that , ya that benefits such as like cash back I mean like we did for our wedding you know to to to in a way get more out of it and and I think I mean it it's so convenient baffle convenience


it's it's I mean, it's your own effort lah but ya , I think as long as you know how to use this tool it can work to your benefit ya, ya okay what advice would you give someone in order to retire comfortably


I think to earn as much not but merry rich okay , so I think it's I think it's to earn as much as possible when you are young man


ya because if you divorce you gonna lose half your assets ya , absolutely that is true, that's one option okay fine yes


ya ya ya agree yes, okay so what's your opinion on SRS


as I as it's it's the one that we top up right and we get to tax, isn't it that one, that's a seven thousand dollars one right


fifteen thousand


okay how how how would you make a financial plan investment portfolio for your family or children, I think maybe go for you think will be a needs based basis like top bottom up


, , yep,


something for the next generation basically also, okay, okay, do you have the habit of saving, how do you ensure you make your saving goals


ya so I think, my saving goals was, basically using like the OCBC right like I I just syphoned the money out every month once my pay comes in , so cannot see cannot touch ya syphon


do you have the habit I think this habit thing is it's it just I mean difficult lah, let's say no right


ya ya ya, what you want to say, hello no no she ask you finish your sentence


(ppb) is ingrain as you in you [lah], (mm) okay


part three negative experience, can I tell you something you know my dad


no lah please, no you know that milk powder the milk the rusty tin milk powder you remember on my birthday they actually came and wanted to take the the milk and I didn't know that it's, it's for them right do you know that until today two months later it's still at home and they haven't give me back my milk


, no they didn't no they came they wanted to take the milk but they didn't take the milk, right because I told them I told ninja van that I don't know what they are supposed to collect


then so !aiya! I'm I just gonna email them that but I'm so irritated by them like now is october already that was, to, okay so basically what happened was what happened was I have a tin of milk


and the milk uh of being a milk for baby okay, and the tin of milk was rusty so I actually emailed them err and basically in between there were instance where they don't reply me, where they


what was thing ah they don't reply me and, they told me that oh we will send you a new tin of milk where they didn't even ask me for my address so how do I how do they how do they, email uh send me the milk right so I mean these are things that it just felt like there was


either disconnect in their team or it's just they don't really care much about the service right I mean so today is like very slipshod work ah so, even though after I spoke to the manager the manager said that they will look into it yeah see two months later the milk is still in my house


oh well I give up on them, so that's why now I'm not so that's why now I'm not drinking their brand's milk I mean I'm not feeling the that brands particular brand milk my my my kid


cause I mean they are in a highly very bad I mean, ya I mean, it's like it shows either you think that you are so good that you don't need to care about feedback client feedback, right I don't know I mean


it's like they should know that they are in a competitive market right, so I don't know it's like ya so I don't know, ya so it's terrible lah because I mean ya


the customer experience with them is just so bad so imagine like next time if you really have like other important things like then then what you do you know, ya ya lor ya so what else


, no, uh, that's not a negative product review it wasn't them


oh yes yes yes yes yes yes yes yes so, so basically I think I think when, like negative product I think it can be also whether their product has a consistency right


I mean let's talk about the quality right imagine so imagine you you you have six you bought six Satays and five of the Satays are full length and half of the Satay is half, did you go back and ask them whether why one of the Satay is half


is it because it's eaten by the rat, right, ya then why why not why


like I mean proper right I mean, so basically you are the you feel you feel unhappy ya I mean negative product is like you feel unhappy like why is that inconsistency in versus what you expect and what you get like I mean positive we we talked about is by expectations right so


if it goes beyond your expectation it's positive, it it if it meets it's neutral if it's below it's negative so it also points out to your your your expectations, isn't it


during, oh same thing so for example so basically this was an experience where


we're imagine somebody basically it's it's a shop that sells durian so they have their sample piece their sample piece that they show you their product right so imagine something they show you something that, is the size of your handphone while when they take the extra piece that comes to you it is half of the the handphone


when you're of of course they say that is what sample only but it should not deviate too much from your actual product right so it boils down to the expectation if you see something that that I mean if they tell you they show you that that it is of that size and they give you something else then


then of course it is a negative experience lah so I mean it's not okay imagine I'm paying four dollars for something that's your handphone size but imagine they give you something that's half so it is a is a is a different from expectation and it's not value for money right


ya that's why I agree, so actually you this is a proper survey okay so


, no, okay so no harm experience it is it is okay so I I so basically we went to a shop


so and I because I am a Teochew right so I and and my mother knows how to make #ngoh hiang# #ngoh hiang# is like a meat paste what beancurd roll , and you know how a a food is supposed to taste when it's homemade so no the thing is I ask them if that that #ngoh hiang# that they have on their on their on their menu is homemade and they said yes


so I bought on the basis I pay for the price and willing to eat on the basis that it's homemade so when it comes I know, and I wait upon tasting I know that it is not of the taste then of course I‘m unhappy right you first you waste my money second you waste my stomach of space to make me feel cheated right so the negative experience is because you you are being promise of something of a certain level of taste and


quality but yet you are falling below, is that not right to be to feel unhappy to feel negative about it, right, yeah exactly yeah so it's it's not it's sad


okay tell me a it's now your turn to tell me something that you're unhappy other than your wife, , oh you very happy with your wife


okay tell me a product that you that you bought that was became damaged or not functional after a short period why it doesn't make you upset, I think many things ah


okay ,


, , (mmhmm)


that's true, ,


oh (mmhmm), okay


, that okay wait wait wait, ya


oh is it, oh but, oh actually one, okay but but


no the recent mooncakes experience but I mean okay so there's also experience that can be negative turn good right , okay so basically ya so basically recently we bought a mooncake from a shop, then which came with a fork and the fork was in a way in the way tainted with with with food stains that seemed like it has been used


ya ya so, why not


okay, ,


, no but actually actually no but ya, no but actually what you say is true I mean actually this negative product thing right okay to me it really bought everything whether it's good or bad it boils down the expectations and the thing is different people have different expectations


like so, true ya like so it's like (hmm) ya so so I mean this kind of negative experience thing it it's it's actually quite person specific and


but what you say is true lah like sometime it's you don't find it a problem but yet when everybody say oh it's not it's not acceptable it's not acceptable so you, it's quite like group thing right like so then somebody say that makes everybody think that it's it's it's uh


it's an unacceptable thing ya ya, ya so ya I mean medical thing is I mean in a way that redeeming factor was the service recovery was good lah so, I think for companies that that are prone to having this kind of negative product I think if their service recovery is good I think it it really helps to eliminate


eliminate uh a lot of the unhappiness and and it can potentially, bring up to a higher level than before ya, right or just encouraged people to re-patronise them again like like in this instance


they they they suggested that they will uh offer, offer I mean the not a refund but they offer you product or their products again so it's a way of giving them a chance to prove to to their clients that eh our products are are good of good quality right ya


ya lor and and it can in term next time encourage people to get go back you know like maybe I get addicted to their their their their certain cake then I go back again, ya ya, cake lah like they have chocolate cake they have make uh many don't know whatever cake


alright so we supposed to like go and change back the amount for a certain cake, you know what I mean ya , so what are the things that you'll be unhappy about , is there any financial or insurance services that you're totally unhappy


why so


okay okay,


so basically it's just like what we spoke about the genuine bit lah like you are you have a motive for making certain meetings or decisions lah,


ya ya ya lor what are the bad things, negative


ya no lah I mean I guess, no my guess sometimes people have to, ya lah to know how much they paid like equate or moderate they have transactions of how much they paid versus uh what they get you know


ya alright so , I mean but that said I mean ya lah, I guess I guess you must know the market rate lah for example like in like you know for example I will I will stay in in in the US


in san for example but we think like two hundred plus a night is we should be getting I mean in most countries you you get like quite good hotels right but over there you only get a three stars so, I think it's being


not lah it's not only two stars but I mean, it's about err ya lah I mean understanding ya I guess you would not understand the market yeah, to know ya to know what's the market need in a way like ya what markets standard lah ya


ya ya lah, so let's see , staycation got worst staycation what's your worst staycation


okay holidays staycation or holiday, good


no but I mean yes I mean it was good because they had they they they gave you they had service recovery I imagine they don't give you a free hotel stay !wah! you scold them like hell, right ya


ya I think, ya I think I I really think that I mean bad service is because I think I really think that bad service, is indeed it's it how should I put it (hmm)


if after feedback is given and you make the it the proper corrective, effort, if people won't think it's so bad like imagine I heard I'm unhappy that I receive a product that's that was bad for example but thereafter was I really angry no because that the their subsequent action was good because


they they weren't like like show me picture tell me more about for the product uh defect and then before they they start refunding with the money you know I mean there was a trust there that you tell me that it's faulty I refund you the money, like right because they they have their matrix available I guess like if within a certain threshold you know they don't require people to


to to you know to, to explain too much of something ya like like like the the one the the the platform that starts with e, it was so I mean like each time I talk to them right it's because their their service centre is not in singapore no I email it's from the app it's from the app


you mean they can record is via the app what, that's right oh the E and the B one


you know ya, travelled in oh okay okay, ya basically I I okay so the other point is when a fault is being done I guess is it take how does it take to get things resolved right if it's speedy is ya so I think just like my milk condition it takes so long it it just irritates you right make you boring


ya, right


part two positive experience, positive ah


ya, don't need lah just you will just think of anything first and talk lah, okay okay how about how are we start half a webpage okay lor where where did we go that the F and B was very good


where McDonald's, how is the service very good


tell me where you go yesterday, Teppanyaki ah, we went to eat the Teppanyaki at uh Bishan the food court


it was good so okay, that's true, product positive product review okay


ya, ya correct no at and if you feel like you getting a discount there, okay, so are you singing praises are like F and B or the or the place at but okay never mind just say


okay oh it's a like okay basically it's like a partnership, true


okay basically I feel that I mean then engaging faith as a as a partner it helps to bring up the the the positive client experience because, instead of paying thirty three dollars for your meal because it gives a ten percent rebate you are effectively paying thirty three dollars so


maybe at the thirty three dollars you feel like eh it's a bit expensive but actually at thirty dollars you feel that it's good for the price you know I mean, ya ya I I think so ya


okay so why you like it value for money quality good Shiok ambiance, the service actually not much of it, actually no the service the guy was quite nice the chef


basically I think he listen to our our our our want sour I mean what we wanted right I mean we felt that ya, ya


that's true yeah basic so basically they're flexible right so we so I mean so basically we value flexibility, I mean organisation in a way that that listens


could sit not everybody but okay fine yummy your experience was


, okay #chao da# is uh burn okay, so speak english ya okay okay basically it's quite value for money it's it was like comfort food lah right


, ya it's it's a local Teppanyaki style lah, okay next hotel they wait do we do we stay any nice nice hotels before


wait how about how about you I know okay it it what our wedding one our wedding one ha


where, what Banyan I don't know, oh


over the ah okay, so basic okay let's let's gives a context so so it was it was our our birthday it was our birthday and basically


we told the hotel that it's our birthday and see whether they could do something nice lah right so then yeah and and and they were able to


panicking, I ya I don't know at that point I didn't I don't know yeah I know


ya ya, actually I thought of another place already I same thing I was kind of surprises thing the the proposal dinner it's quite nice


eh hello it's affordable for the price okay I mean for the, right


okay so basically I mean in in in short you will have a positive experience when, when they exceed expectation right, I mean indeed like price point or


like so basically so so basically so so basically experience is highly related to price


to expectations, alright in short, ya because we are price sensitive lah yeah true true yeah


okay okay okay, ya tap tap


ya , so ya so what else what are the good experience that you have, anything what


you not sure oh not exactly, I I get a change I only get my money back but I'm actually disappointed


I wanted my shoes no I didn't change my voucher they gave me cash, they gave me cash for sure to they gave me cash, I know you


anyway, why, oh ya cause, oh yes, , oh yeah oh yeah that's true oh ya they they they ya oh ya they gave me cash okay


any financial insurance services that that was that was good, but actually but our what is quite good what, ya ya


ya he's actually good I I think okay the reason why I I I guess we felt that he was glued was because, he wasn't I mean basically his pay matrix was not I mean I think he was on a fixed pay time then he wasn't going to push you for some a product that that you don't need yeah


oh yeah, lower part of the commission of full commission, ya , ya and basically I guess it felt like he just give you whatever you need lah like not like trying to push you for certain products that kind of thing right


they said okay so basically in short it's you, being a having a positive experience is the the the person seems genuine then in, delivering the product or the service to you right ya like to really serve your needs or interest ya rather than for monetary benefits


I think that helps in the positive experience side, ya imagine like I mean ya lah imagine like you you just feel that he just pushing for for sales then of course that will give you a damn Cui bad product experience yeah


ya I think so too ya ya lor, nice, talk about your Iphone lah your favourite


now why, very, no when you open your Ipad you still when you open your Ipad you still say !wah! damn good damn good


I mean electronics, oh that's true


eh Towkay you supposed to talk a positive now not negative negative you can refer next topic, for what Samsung, oh no lah as in


I'm not forcing you to say things okay


ya, why ah, why ah, but had you bought a a tablet would you have the same experience you feel


then why you sell ah because it can make money ah, , okay then why do you sell again


ah so basically you'll have a so so basically you you would have a positive experience if it has high resale value #dio bo#


no but no, ya no but but actually it's really true you know I mean eh not say really true but I mean in a way it's it's true because like for example you I mean now people buy sell things right so, the reason why you buy Rolex also you too sustain you know it like because of status because it's nice but you know that in the event that yeah it holds its value right rather than you buy something


ya, (ugh) because that's a status thing what, right I mean that is the first thing is a symbol like it's big and like can show you know


ya ya, yeah


what thing what thing holds the value better, ah oh, okay basically there's but so what is the longevity or I know demolish where how you


no just like just like you know we buy the stokke right stokke baby chair


so it's like I buy knowing that in a way if I sell I wouldn't lose a lot rather than I buy inspired one, ya, actually actually actually another positive product I would say is I heard also


like I heard I think yeah I think the like I heard like you know any problem they're very quick to to to, ya actually I was very I was actually I ya ya was very impressed by that because you remember like they either they charged me wrongly or they send me something which I I didn't want or it was spoilt and they said I could just keep it and they refunded me the money


I felt that that was very nice versus, ya as like I can buy in with ease you know I mean, no no so yes with confidence so for example because there was some damage on the product they just refund you the money they say you can keep it ah and something like that oh I know what the naming was wrong right so they they get just keep it


whereas another company another another company that we bought from, which starts with E remember then there was product defect damage and they said they they only refund me thirty percent, but it's not my fault that it has a


Has a defect what, ya, ya but anyway that that's for the bad review but I mean positive was like yeah I heard I heard for example ya


I think ya so, ya I think ya lor so you I think like for example I heard they are very fast, they're prone and I think the products generally we will quite pleased with it right


lah no like no for example the packaging when it comes to your they they put on the bubble wrap for example it shows that they they put care and thought into it


their box also, ya ya true ya ya agree


I hope they last though , but they were around for some time right, are they under any listed company no right, I don't okay okay


but okay I think this COVID doesn't affect them because they're on this Ecommerce thing, ya okay okay okay what else, but then skincare good not actually


no, nothing ah so that's skincare, what what entertainment leisure ah, leisure


ya I mean okay, , which one the SAFRA one, ya because


why why why very good you have to give an example you know say things are very good, do you there's a feedback thing you can go and feedback if you think they're not safe


which part or to write like the hide limiting is it, oh ya ya maybe I'm gonna feedback that ya ya, and let see whether they are no I I know and let see whether they are what's that called open to our feedback and that's very important right so if we feedback and they actually make those effort to to to listen to our feedback then I think


that is a positive to us lah right if not you're like you know you don't seem to really care about feedback, yeah


wait [ah]


how do you invest your money to accumulate wealth, oh okay part one finance


how do you invest your money to accumulate wealth and plan for your retirement, wife no


no first one put in CPF, that's what you do right I mean you fulfil what is a compulsory by the government, ya


ya so you kind of mess up the CPF because that's your, your I mean it's for retirement lah so there's the the planning part then after that I think every month you need to set aside a certain amount of money right


okay and then what else, ya then no no no and then


yup ya, yup and then what are what are the counters that we were looking at for the stock market, and then what else what was that other one that I was looking at


index funds, ya index funds so that we so that so that we don't need to time the market, what strategies will you recommend to someone planning for their big ticket expenditure starting a family buying a car or house etcetera


yeah that yeah that's, ya but I think there's also it also depends on on what is the situation right because if you're talking about buying a car or buying a house then of course you should buy something within your means


but uh if you are talking about starting a family then it's different lah I mean some of the priorities are different of course, kid is a, a family I mean it's a big is consider a a a in a way a big ticket item, but


you know many people do not actually, uh consider their finances before they have kids I think, more likely they they before they have the first kid they they don't really consider their finances but before they have like more kids then they start to think oh ya kids are so expensive you know I mean


ya, ya no I mean either way like you know we do the monthly our monthly cash flow analyses right then we see uh of course live at a level that we are comfortable at


and have a lot of room to, manoeuvre, before we, progress to the next stage lah you know in in in life in a in a way, so I mean like for example we did that even before we were married


right, ya then we kind of plan like what kind of wedding so ideally it comes, first like wedding then like baby it's tough of the baby then the wedding ah, ya so I mean it's different I guess


okay, how do I spend, massage


and our son ah and our son so definitely I think on our son is justified right, ya, that is arguable


ya but I think uh generally I think I expenses are quite low, , what I've been spending too much on, I feel is the housing rental the one I have overseas


because we don't even live there so there's something that I'll cut, I'll cut uh when the lease is up correct


no I I I don't agree that you know why, the thing ah is that if let's say you always think oh yeah depending on your income it justifies me to let's say for example let's say we talk about car, a Toyota versus a Audi or a a a


a Maserati or something right then, if you you have that kind of mindset ah where I earn, more then I can spend more, then actually in the end, err you won't have much savings you know because whatever you spend ah will just increase proportionately right


so then how do you plan your finances in the future, they also bought like that right yeah because in the end, you can earn more but in the end also then, you will still be working, all the rest of your life without uh having


err in a way of better quality of life after retirement and also you won't be able to retire earlier because, you have spent all this money on this err, uh extra material goods right


okay agree okay so next question okay if not you continue, that one you know my opinion on a what do you think


what do you think personally, no I just think


ya I feel is that if we can do it ourselves, and actually a lot of the products available for the retail market are nowadays with internet also is readily accessible, so why do I pay a fee to someone to do it for me


ya that's my but what do you think


no but then the the thing is that, ya but then the the reason why I feel that that's not entirely true is because