so thirteen month by five years ah you can see the amount is go up already, increase already so make use this money as payback to the HDB to bring down the, bring down your interests when your payment will go lesser so you can see that your


last payment ah will be dropping all the way so you can finish off faster than that that's the only way we can do lah


okay sharp, can hear me can okay


okay okay okay fine fine fine fine,


okay how about your flat are you renting out to any tenant is there any tenant yours so that can make some profit or make you can use it this money to pay for the instalment


for me I rent out my room, uh get uh get permission from the HDB so I got one tenant staying in my room so he paying me monthly from there I can use this amount to pay for the monthly instalment, so I feel that burden go down a little bit so is relax or relief for me lah to pay the instalment for month


hello hello hello ya ya talk talk hello Sarapan talk


it's good to buy a new flat so you can stay there a new flat new area then we must see the area is very comfortable for you to see whether got uh transport, if there there is a transport I think for you very easy you see


part three negative experience


okay ya ya


yeah I got one experience because I recently changed my wifi, from from Starhub to Singtel, uh because that was two years ago because I want to change to Singtel


I called them, but the price I see various, okay ah the price but come to the wireless ah eh wires uh wiring work, !wow! they charge me very higher price, I did talked to the customer service why you all charging me so high I'm a I'm a loyal customer for Singtel what


if not I change to Starhub ma, they say okay the price for this is this for installation is this price but if cabling work is this price I say I'm not going to pay the cabling work lah then she tried to very rude to me, said sir


ya I'm talking to you the nicely I was telling this is price is this price I was no time to talk to you so many things this is our package price, I said you're can you talk to you talk to me in this way but the customer service I feel fed up already ah, was what I say okay you put down the call I want talk to the manager


I need talk to the manager, after they come back to me and the manager say okay sir we will deduct another hundred dollar for you, that's good sometime the, customer service is very rude to you you also sometime throw very harsh to them ah you feel like very bad also lah this is the my first experience the second experience is at my restaurant


I went to bought a I went restaurant with five of them sitting down there is, some more not fourth floor second floor asked for fourth floor they asked me to go second floor !wah! I went there only they said sir sir, sir sir sorry sir !wah! very rude there I say I've got no place to sit no sir you go up go up go up what it mean go up


!wah! you talk to me in this way ah then I went up I sit down there then I order want to order nobody there, then we got four them and then I tell the customer how come nobody here I'm waiting here for so many, almost five minutes already while they said sir you want to wait wait don't want to wait you take a drink


I say okay you cannot talk to me in this way okay you are okay okay you give me a cold drink lah it's okay for me, what I do I fill a cold drink only lah, an oranges juice then we finally we never choose any uh food or what ah


I just went down thank you very much and walk off


for me you know the travel agency I went to travel agency one, I went there then spoke to her okay can you told me what are the package you are giving to me she said this this this this this I say what do you mean this this this this, I said you you tell me elaborately lah and tell me nicely lah what is the package for me !wah! she tell me this this this I say okay okay okay three days two night okay what's the price now okay this so what are the facilities there are


can you offer me that is there any uh refreshment or food or is included, food no included only a package for travelling to to this place only to KL so I've, book lah what to do I just booked but the the way she tell me is


is I cannot get so many thing from her, how about uh is any uh facility there all they never mention but the the price is not worth lah, I see uh regretted the price is not worth


you mean I went for the this uh personal care uh facial ah, facial as in Tekka uh in Serangoon road, I when there they say that this kind of package I went there did the, personal while do my facial lah, the price I see okay but but they insist uh asked me to use this asked me to use that when you go inside they telling different lor they say I won't use this kind of uh product


when you come to about certain third, the third washing ah they would say they I want to apply this, how much is cost, I want to apply this what is cost I said how much is cost they don't want to tell me the cost you know, !wah! it shoot up to nearly two hundred dollars [orh]


!wah! I get fed up already you know I said the price is two hundred is not worth you know because I come here for one hour you charge me, sometime you all must tell us what the well you want to do, for facial this kind of product this kind of product and what kind of product you're using, then what is the price of this


end up you come up you tell me this kind of price ah I've I've fed up already, I told the customer Aidruma you throw me a bomb ah , next time I won't come here I say you all never give a good service, you must tell us okay written down there this are the package for this this are the package for this


but you went there when they do the steam ahafter wash already the steam, they put down there for thirty minutes [orh], this I think is very terrible, because they want to make money they put a steam in your face and work off nothing done uh you cannot do like that


facial means facial don't put a steam all this, I like ah these are the sometime they do like that is a very bad lah,


, I think for me the education and training line ah I went did for a while course or part time course for six months, the way they teaching is not so good, not so so not not many syllabus are there


when the trainer teach us ah, he is not experience at all lah sometime every time everyday got one trainer come new new trainer, you want to ask question he don't want to tell us the question you just keep on reading reading reading reading reading reading


until get sleep, but end up what you learn ah I don't know, as a trainer you must teach us what to what to learn, in a professional way lah you show a slide, power point all these must include not said just talk talk talk talk talk until you cannot listen anything


I feel like very sleepy is one of the centre ah at #Bukit Merah# ah, uh you must teach teach in a nice way, this sometime trainer to do their more job, to teach the training, cause now in singapore you need so many training


uh , !alamak!


for me on next you are already know, you know the insurance agency ah, uh I bought a insurance ah for my personal life ah, she's talk to me, when they when I then when they telling the insurance ah they never elaborate what are kind of insurance you going to buy only they talk about car insurance after car insurance they talk about personal insurance


then this after personal they ask for accident insurance all these ah make me confused to buy an insurance, I did tell her can you explain to me one by one then she get fed up already sales no sir I just talk about three things only very fast very fast very fast I say you cannot talk to me in this way three time


only one one at a time only I can buy one insurance I cannot buy three insurance in one time it's very expensive for me she's said, no lah you just come down lah we just talked in the in the coffee shop what I said what do you mean go coffee shop and talk you want to sell so many insurance or what


I say no lah you cannot talk in this way lah at least you talk to me in one insurance one at a time lah I don't want to waste my time sitting down all three hours talking about insurance, you want to sell insurance you just okay email to me lor, I will just read out, what are the insurance !alamak! then she get fed up already you wasting my time talking to you


I say you you wasting my time not I wasting your time I say just send me an email I will read out everything whether I want to not to buy this insurance or not, then I know the clear picture, sometime you write the insurance ah you see the package ah you write write write write everything when come to signing time ah the fonts of size is very small


because you accept it but what is written there you must see, what is the condition, what are the package I need to pay final, when come to sign something big one I see the font very big, they you want to put agreement I see the written of the font size become very small


you you see or not sometime the credit card you want to sign the agreement ah you see the font size all very small, because you cannot read, you cannot do this way, it's not right same font size same everything we have to read but some more of ten pages


how to read ten pages man


ya the usually I bought a cloth lah, at the I think err, Jurong point Jurong point, I need to bought a cloth then down there I see no customer service down there they just hang on down there you can just buy everything what you want you just take and see I was choose choosing lah choosing the cloth


I think all messy already then she come and scolded me eh why are you taking as this I want to check all these what I just need no size here one by one nobody no customer here what can I do I just take lor, eh okay finished already ah


debate topic, part two debate topic two, part two positive experience positive experience


uh I did ya I did bought a you know the the vacuum the stand vacuum, I bought from the Carousell, so if the price is okay lah about two hundred dollars I order from there, and within I think it take one month to deliver it, it for me I think it's better because let's say if you want to go shopping centre or Ikea or somewhere


Best Denki you want to buy something you have to go drive there but this one is let's say the customer service is very good, Carousell I took thing from Carousell, they all through go through email, they have delivered to me on the day


then I open up the box then I see one of them the I think one of parts was missing, was not there, so I don't know how to call Carousell also I use my email to email them said that I I never received one of this part, they say okay never mind you can return back or we will give you a new one


uh after that immediately one customer's ladies spoke to me, say sorry sir, we're sorry for the delay and you will received the part new parts in a one week time, and come back I see the very good service, even I email to them thank you very much for your good service even they very they're very polite


Carousell and Lazada also good for me I think they're very


I did ya ya same thing I also book at the country orchid country club, orchid country club I space I went there the customer service they spoke to me, then the they go through everything quite reasonable lah they say they giving a offer also if you take two days one day free


then I see uh okay guy can you elaborate for me everything ah what are the facilities all detail they'll say everything you there walk around, I see the place where I get the price following week I book the place, I went there and stay I got two room two bedroom ah


inside the room, all the facilities was there, then when I open the door I can see the nice scenery playing golf, (ppl )golf big golf you can mostly the people where playing golf so I went down I went go into the swimming pool there's a swimming pool there


very nice uh very cold cause down there there's no vehicle moving around there's such a open area, very windy ah because they're playing golf right this kind of place is very nice, I went to the swimming pool very nice after swimming pool there's a big swimming pool then is a


shopping also small shopping there I think the NTUC there then I went to and then I walk around I see a bowling, there's a bowling bowling is my my favourite game, I used to play bowling so I book for four hours playgroup all the way was playing a game ah


play bowling bowling yup, uh there's a restaurant also there's a good restaurant indian restaurant, so I book the restaurant then I told them I'm not going to eat there can you provide it to my my room, say okay sir no problem


they bring it to my room uh nice the tastes the taste of the food is very nice, very nice I went there all three time I went there, and my food all taken from the this restaurant, very nice place the location, transport even they give uh transport to MRT also free service


then you can jogging very nice place I see some of the arena country club is very nice place to stay, if when you go hotel if you go hotel I think the price is very expensive I can't afford to pay , hotel only you come down all can see all the road only there there's no golf


orchid country club, orchid country club is a nice


I did went the ya ya I did go to the fitness, I think the monthly of about eighty dollars at, book the package for one year lah, membership fees I took membership fees I go there, once once or twice a week, the personal trainer was there also they will teach you how to do how to do the equipment


all the equipment is very nice very clean, and the place is very nice you can see a sound system, even you go to the track mill you can see a video down there, if you when you run there's a video clip you can see what kind of movie thing just walk lah


treadmill, and the place is very nice, location is okay , for me I see the place I see the toilet is very clean and nice, even there's a drink also cold drink also they offer , uh limited person only can go there lah because I never see sometime you can see weekend is very crowded


you got no place to do the treadmill, you can only use the gym machine only, I usually go one week twice in the weekdays weekdays is no much people maybe after seven, uh after seven there's no much people over there you can use the gym there very nice place very look


even the personal trainer will teach you very friendly very friendly also they're very friendly also ah


ya uh the gym facility at the fitness corner, there is there is also a zumba at every friday uh every wednesday, seven to nine if you can you can join them is a nice okay another one is like uh gym besides gym uh now actually is doing a hundred dollar now a package


so you can make use of this you can go to our sports club, uh use this sport club two fifty two dollar fifty cent for one one only you can use I usually go to Jurong sport club, there's a gym also, gym facilities there is


but around there a lot of a lot of what treadmill ah treadmills, many treadmill there but you have to queue there because so many people there, very crowded, but the towel you want to use there's lot of towels over there I also scared to use the towels because many people using


so you have to bring your our own towel is better lah hygienic basis yes yes yes okay


(ppc) ya I bought the this uh Apple Apple Apple phone, smartphone is a nice phone usually I I bought a Iten, Iten, smart friendly and easily easy to use, a lot of uh icon inside


you can see so many website, very very useful very useful you can even see your email everything inside, after that I use uh Iphone eleven I change to Iphone eleven, and the earpiece and the earphones they offer I bought it very nice system the sound system was very good


useful lah very useful the design is very nice, without phone I think is very difficult, if I choose for Samsung I think I go for this Apple is Apple's very good


cause the software is very good, software is very good user friendly


let's say the what, camera beside camera what you bought, Challenger


recently I bought is uh earphone wireless earphones, so quite expensive ah but ah worth it ah worth it worth it buying because the sound system are very nice, easy to connect ya you can about I think about fifty meter lah


you can use with the meter fifteen meter you can listen the music the earphone even got radio then you also can listen, then can use listen uh can talk to, yup like like a phone lah


you can talk also talk to your friend also user friendly very nice , think now got another one right I I what ah, Itwenty, the new phone new Iphone new no new Iphone


uh , I I saw the design the design is very nice compatible but the price is I think


five G ah !wah!, how the price is okay


ya ya


must see what are the functions you see is like because let's say you buy a Iphone ah, then you must buy a uh smart watch also, and smart watch and another earpiece earphone all these three ah come to one have to buy all


but I really interested in the smart watch, smart watch but the price I sees is very still the price never go down same price, it's about six to seven hundred dollars


series six ah , about forty forty ah is it forty CM or what forty or fifty, forty and forty four


but uh forty four is expensive right


at least you have to sometime you have to go to the place lah but now cannot go due to due to due to COVID ah, we cannot go to the place and see limited places only only a five or six person only can go in, and you want to talk to the customer serviceah cause they said uh sorry sir I'm not free


due to COVID I'm come back to you later they only demonstrate for few what few few minutes only, uh so all go online all go online


oh, push all okay, okay okay


part one finance


okay hi Nathan, okay uh for me actually uh I bought HDB flat around year two thousand, uh actually from a open market, so uh at the time uh when I bought this house ah uh I'm a PR singapore PR, so actually I don't have any uh you know uh HDB grant at the that moment


so but now I looking for a reno flat, so you know uh uh with the you know so now I'm already a singaporean so am I know eligible for the grant so most probably I'm looking for a BTO flat


okay okay for me uh actually uh for renovation ah the loan actually I did I did ask for the bank but ah find out slightly uh the interest rate was slightly higher so what I did I took a personal loan, personal loan from the bank


so which is uh lower interest of three point eight eight, per annum, so I think okay personal you know the loan interest very low so I just took my personal loan to do some renovation uh for the house, ya


okay uh okay for me ah because uh this is my first house so far I've ever bought, uh it need uh second house, so I'm thinking uh of buying or upgrade my four rooms current uh four rooms flat ah to new BTO five room flat


so currently because of COVID uh situation so I'm just holding back, so let everything to normalised I mean to get normal so then maybe I look into uh my new BTO five rooms flat, so I at the time when I you know for the four rooms I use my CPF to pay the down payment


uh at that time I need to pay about twenty percent of uh flat uh price, so of course I use my CPF and uh some cash, err yeah from uh CPF ordinary account, so I also know that I need some cash for renovation


so you know because of the the thing so at least uh from CPF you know I can get some money from CPF I feel like less burden


okay can now uh talking about buyer's stamp duty ah, buyer stamp duty uh basically because we're let's say we are buying a second property singapore so clearly uh uh for me I seen as investment purpose so that mean we go to make a profit when we sell the property again


so uh for me, uh currently because I know it's uh you know additional buyer's stamp duty is about uh twelve percentage, so I think basically we're to pay lah, yeah this you know , because this is a second property so where we can make a profit


as an investment


uh okay, uh okay okay for me uh so I'm taking HDB loan


uh HDB loan is like a fixed uh interest rate, then throughout you know your whole uh uh the periods is a fixed interest rate, so the bank uh I believe bank rate would be a fluctuating uh time to time, uh but now I think they have a choice also you want fluctuate you getting a fluctuate or fix


okay err, but if you ask me err, will we go for the bank loan, uh most probably I will try to go for a fixed rate so that I can uh I can fix my repayment amount and the period, you know let's say for twenty yours I can fix the rate so I just pay whatever the same amount for that uh every month for the twenty years yeah


uh yes I agree I agree with the another so that's why I'm looking into you know uh for a new BTO flat


yeah so most probably I looking into it ya okay thanks thanks for that


ya you are talking about second property, uh no no no at the moment


so I'm just looking for a BTO flat, yeah


okay, okay


okay uh for me talking about renovations loan ah, because nowadays uh I think all the banks uh is giving uh low interest low interest for uh renovation loans but I think there's a minimum sum uh sum bank to uh ten thousand and there's uh repayment period of a one year of minimum you know one year so but the interests I saw is like it's a very very very minimum


so uh and we can go up to uh six months of salary you know or certain amount, so I think is is now it's better uh to take a renovation loan from their directly provide like previous one what I did because the interest rate a bit higher so I go for personal loan


so now I think it's better


yeah okay then uh the same thing uh for this uh uh taking at HDB loan or a bank loan so basically now I think uh I see is good ah talking about the interest ah interest is good, so but HDB is more, uh I tell you because I like feel like you know I've paying every month through my CPF and I at the thing


so bank of course you know you've to be strictly and to be on on the time, I of course you can pay by gyro but still you have to be on time and every things, so uh at same time it can you know top up more to settle down your your your loan


so I think basically uh, uh see ah uh but only thing I see like a bank interest may be fluctuate uh time to time, ah so as long if you take a fixed one I think it's better


ya I agree agree with you, ya so uh basically for okay another thing ah come back to the, uh second property, so second property uh but of course we can you know there's a good investment so of course we can I mean uh lately I mean if we have the money we can buy a second property so which is we can sell you know again to get the more profit


so err, but currently I mean I'm not saying but this is because but only thing the interests was is twelve percent so I think it's okay so yeah


no yup, yeah I agree with another because you know we have to look into actual trade and all those things and uh that's I think that foreign levy also, uh so I think it's better to buy we ah so and here I think you feel is like very good investment


uh because the property property price always you know always is on the highest sign you know when you buy is low then of course you sell at a high uh so definitely we can make a profit from there


uh actually you are right uh I did that because we know I when the time I took about twenty five years so but uh you know you know I'm midway I just paid out uh you know free of the things so I dropped to about twenty years yeah, so I think it's because you know we can finish it out very fast and then just sitting ya


uh no no because I with family you know I got uh two children so I just I just nice because I four room flat so and my father's also staying with me


ah yeah so uh, yeah, okay


oh, oh thats' good, ya


yeah that's good so uh, like that can


ya okay I've so that's why I've basically because uh, you know uh any other things, err, except for the the properties


uh just waiting for my uh new uh BTO so I went uh I thought I applying by next year next year so at least because uh you know there's a grant you know it's a bit grant since because I've become a converted to singaporean so you know hopefully yeah


I'm eligible for that ya


[oh] yeah yes sure


okay, okay and then for this uh this thing ah actually ah ha ya, oh okay part three negative experience


okay uh Nathan okay for this uh I got experience ah because uh when the time uh after I bought a actually a laptop also lah so from uh this this one from my you know, so once I bought so I have a negative experience with the customer service because you know why so this laptop ah after I bought so this one the the screen actually go blackout by itself


and uh later I think few second later it come back again so it's like flicking you know so go automatically blackout and come back again so ah then after that I saw okay lah then I just do a reset hard reset then I come back so then after that where I think few days after few days ah the thing uh happen very frequent


frequent then actually I did a call a helpline uh and the this what you call the customer service officer so asked me to do a few setup, setup and they teach me how to do uh some settings ah so settings so I did everything so after that so the few days was okay


then happen you know it started again so actually then I I did uh call them so and I really I find it's very you know I really got uh argument with them ah on these things, because they say these thing you know the thing you're already setup then come back then he say maybe because is mine you know my issue or there everything then err lastly I was really was you now uh something got very uh very big argument also lah and lastly okay then they say that they send me uh you know to collected


my laptop and uh actually they replace with the old one but the thing is because you know why the customer service they supposed to solve uh my our issues but end up the day but the they're you know they're I don't know why they argue and end up the day because they saying that uh this is my fault, because of my fault is happening


uh you know we also we don't know because we are using it so certain things ah we don't know but they are the professional they are to show they supposed to help us lah so I feel ya so do you have any experience, oh


ah okay


oh that's good I yeah


okay ah because there same thing now because I also got uh one experience with the hawker centre, because I look at it ah there actually the staff is not hygienic enough lah because when it talk about food ah food there the the I mean the person whose selling or whose cooking ah they supposed be hygienic so then they can be you know uh sell the things this is my my personal thinks ah personally but uh


but uh because this thing is happen uh #Toh Guan# there #Toh Guan# so one of the hawker centre so uh actually because I saw it most of the you know uhthe containers the containers was leave it open, because no one round but they leave it open you know so let it open that's mean you know you can see err so many things you can see flies all these things is coming and then going out so sometimes they use their bare hands ah to take it from the containers actually they got a spoon there so I saw is spoon but they use normally they use their bare hands to take it take it out from the containers


so but if you talked about the food taste is okay lah good good also but but the the the cleanliness and I you know the the hygienic more important, uh more important because when people see this one ah definitely they don't go for this uh this kind of you know err what you call


food so actually then after that I also highlight to them eh all this thing you supposed to close it now I late close you grab it something to close it up ah so then we you know there there's a good uh hygienic people will see then people will come uh they they also agree lah, ya certain things we had to sometime we have to highlight to them lah


yeah because uh I also got one uh bad that experience also because last year last year actually uh when I port over my handphone number handphone number from one telco to another telco so what happen was because because when you want to port over ah because your your contract must be finished two weeks two years


so after two years that's mean the second day or first day or second day itself ah then it can port over your number so this one actually I know it, so but I face a problem because it's already two years the contract was over, two years but I I go for another telco because is they giving a good price you know a good package actually so then after that what I told them so I want to port over my number from this telco to your so then they agreed they agree they cannot took all this thing and everything then they say they take about the three days I think if I'm not mistaken three working days


then they say sir the the number will port over so what happened was the one is longer I think another was uh seven days already seven days but still my number is never you know they never port over but end up then I ask them that they say your number is sorry you know what you called uh take it out already


that's mean I cannot anymore uh port over anymore you know so then say how come cannot be what so then after that they ask they say they ask me to find out from the that telco you know so I did I did call them then uh the officer said uh yeah this number was this not not longer anymore


I say is impossible because is I already contract my contract it's already finish and still I haven't I haven't closed my contract yet you know I still paying for that so how come uh you know you suddenly uh you know you not giving my uh number back so then after that uh I was uh very you know quite disappointed with the officer then everything then I told them I want to see uh talk to manager


manager on this issue so later I think uh evening the manager did call me then I told her I call them out I tell all this things and everything then they said okay lah they they give me uh port over my number back, then uh they also uh you know but uh they they you know because already I think of seven eight days you know


so without the numbers, uh something I don't know within their their but I don't know how come I was you know uh I was very not satisfied with their answers and everything lah but still somehow I take about eight days to get back my number yeah, ya my because I am helpless you know because nothing much I can do on this side is it ya


ah so, oh okay


ah ya ya correct correct ya, ya because yes it's true, ya it's true, I I I also experience you know I talking about the what you call the just now the gym ah gym I you see it's not the gym but the others because when you go in ah because there's a of course there's a few trainers lah trainer they can uh provide a training a good uh show you good activity for your or whatever the thing like that so but end up ah


they they they got a few charges you know they said oh uh at the first time they say okay this one then come back to that another price so is is not uh you know fix package you know so but without that ah if you choose it then you have to pay for all these err what you call the the price you know so because then and the trainer itself ah they got few range of trainers


uh I think based on the thing one is the lowest lower price one is the highest I think basically based on uh what you called ah uh the their experience their experience he some even I think one hour they charging about uh if not mistaken more than ninety dollars you know, ninety dollars per hour


ah so depends on who you choose so if we go hollow one I think there's uh thirty forty dollars also so depends so all these thing we sometimes uh they be doing the first place they don't tell over this thing they only said okay we have this package we show you around and everything, but end up the day once you hire you want to hire them !wah! then they got another package behind once you registered ah then you can see all these things you know


uh so certain things ah I think I believe okay why not they show in the first place everything detailed full detailed this this and everything you know so then we we can you know before that we can have a clear picture on that, so I feel this is also a very bad experience ah


oh okay


and I it lah correct lah yeah, , correct correct yeah, what your, stressful okay, ah


okay because uh for me another experience with the bank actually you know what happened because when that time I go uh I think I remember like JB you know the last one because I purchase a shoe shoe then I use a credit card credit card to pay so after payment ah I come back to singapore so I think three or four days on eve of uh christmas


what happened was this uh uh some uh deduction [orh] through my uh credit card so there's a three uh deductions so these all by US dollar so one buying four hundred another is five hundred and another one was five hundred plus also so it is continuously uh one minute by the next minute


you know so then after that immediately I called my bank eh say how come I received SMS saying that there's a deduction but I never did so then after that they verify they come back and sir okay this is uh yeah somehow this uh something so the two they can identify, the two the first two ah they can identify and they already blocked


but the third one ah seems like they cannot identify so they ask me back you know whether is I receive a second you know the what you call the password is it the second password I say I didn't even the first place I never apply I never even to use my credit card, so what uh supposed the second ah then they keep on telling me you know did you uh you know given to anyone I say no my credit card so far why I want to give to everyone no I said then after that they will find out the next day come back to me sir this thing you know still cannot find so somewhere but we already uh hold it lah hold the the thing you know


then he say okay lah then when come to the payment ah so payment because normally you have to pay the sum you know the the sum so they still uh you know when I see the my uh what you call the invoice they still printed out then I say how come the two it was taken away by another one is still there then I say I don't I'm not going to pay you know because this is I never use up


then they say they wait wait until you know then I go argument with the officer says I never use it I already told the earlier place so the invoice so why should I pay for that he say no no you just holding then only on the next month ah they removed it, so but in the first place ah I don't know why there's a delaying on these thing you know


ah but if let's say you never paid ah there's uh a penalty charges you know, because they they already charge you know they they have a minimum sum to pay, ah but which which is I never use it up, ah so there there's a thing also that I have a argument with the officers also lah


so end up okay every thing now we are settled, oh okay,


ah this yes ah


ya correct ah


sure sure ya same uh no because I also got one experience with the the bus you know bus service because this is from uh singapore to Genting actually so what they did actually I book uh through online online booking and I actually supposed to be you know the queens street you know so the bus from queens street I supposed to take so I book at that time there was six of us


six of us you know so uh when I went there you know because I already book I already select uh pre-select my seat, we've got online uh normally you can choose with the seat and print out with the seat but when I go there because this online ticket ah you have to show to the counter there to convert to the normal tickets


so the guy ah the guy was you know they corrected my online ticket then he give me uh six uh individual tickets but the seat number was you know they changed, they changed uh one here one there you know uh you know is is not uh what I book ah I suppose to book so then after that you know I I actually I never see that I already inside the bus then I go to sit there you know so then after that the another guy come in and say eh this is my ticket and then


you are confusion then after that I go into the counter there eh how can I book I book you know these are strict strict on my seat so how come then he told me sir this is okay because is is you know is today is very crowded so just say you know sit there anywhere you know that kind of things you know I really I say cannot because we are come with the six of us then we want to sit together


I really ever very good ah strong argument on this thing then end up the day they come back then you know they they ask the other guy to go there then you know they give back lah, but actually is not is my wrong what because I already book and why is supposed I go for another places ya all this thing is it ya certain things ya ya so this is also one of the bad you know


but yeah, so another think for you


ah, ah ya okay okay


yeah, yeah truly, (ppb)


right, okay part


ya part two, okay part two uh positive experience, okay okay okay uhfor you know the last on the august ah august of eight, it is actually I bought uh Asus uh laptop uh laptop from Shopee


Shopee at the the price was very good price you know so very good price uh is actually because I waited for they know there's a price running in Shopee you know so on the eight of it so I just wait for the time and then you know the the price was, very good price compared to the what you call the retail price is much lower


lower then uh of course the delivery was uh done within five days you know so once I ordered so exactly within the five days uh which is within the time frame they also delivered so but actually I when the time I bought they show me is only laptop only, but actually when I open up the box it's come together with the mouse you know the charger charger plug of course there lah so and with the addition of a carry bag carry bag so and uh plus the they also provide a local uh contact seller there I mean the supplier


but it plus the warranty period also, so uh of course is I think is is good you know because normally if you go for retail shop ah so they give all these things you know the warranty and everything but of course in Shopee sometimes they don't give but uh now is they everything they provide everything that's mean your the satisfaction must be there lah yeah you know because they everything to come together with a good price


plus all the warranty and uh whatever there are needed everything is there so I feel as good good for you know, the price good and the products also good ya, so do you have any experience yeah, oh okay okay ya


okay uh, oh okay


!wah! that's good ah clear


ya Lazada I I got try also but the good thing is because you know uh normally what I do I going to do uh check for the retail price you know so if let's say if I want to buy any anything ah so I just go for look for retail price and everything so once come to this uh you know uh Shopee or Lazada they always got the date, they'd like eight eight nine nine ten ten and recently is one you know so waiting for you know a number eleven so all these days there's uh promotion harvest or something like the price so if your items is there so you definitely you can buy a cheaper price a reasonable price I mean a very good price ah


ya so this yeah this good thing, so for me okay, uh talking about second things ah on the this what they call holiday in a hotel or you know, okay so I got experience because recently uh do you know recently lah I think at january if not mistaken so uh I stayed in uh orchid uh country club


uh this is a hotel uh suite room with uh my family of four, okay the room was big, uh which is with the two single beds and one double bed ya one double bed so the room is very clean and nice you know the the I feel like uh very uh very nice nice the rooms so and the staff also are very friendly


friendly helpful and uh very polite okay because you know and the time there because there's a swimming pool uh so I after swimming pool because I ask for actually extra towel from the staff they they also ya they say okay they gave for me lah a new towel, so and uh there's a choice of food at uh very good uh few few choices lah and are very good also uh free parking of course there's uh games for like bowling and few entertainment also down there


so and uh of course there's a free shuttle service ah service from a Yishun MRT so you can you know take the shuttle to there then after that you can enjoy uh two days one night or three days one night there's a package also so I feel like is very good stay


yeah so how about do you have any any experience on this, oh okay oh okay


oh okay, , , ya golf okay


a I think is yes ah, ah, ah


bowling okay okay ya I did the saw I did, press yes ya ya okay ah, ah, oh oh that's great


[orh], ya I try also ya


a nice place ah ya, so we have a same experience


ya so this, ya this like a bit of ya so for, correct the for family lah ya because we can have a food we can have entertainment we can have you know all these thing with the with the big rooms you know the rooms with come with the all these things yeah and the we have the view scenery also as you said is very good all green greenish


ya I feel uh good also ya okay okay then uh we go for this uh a gym ah, so because uh because initially because I want to actually lose some uh weight you know so because I old way ya because I have so what I did I did I took a one year membership at the fitness centre uh somewhere round near ten mile junction is actually nearby to my place is a walking walkable distance


so uh I paid I think about a hundred seventy five dollar per month, per month for with including GST ah GST and uh there's a they have a few branches around singapore, actually they also got a personal trainers ah


uh that uh they they can give a especial I mean let's say for let's say example for me is lose weight ah so they can uh uhparticularly they can give a training on the activities so which activity is good for me to reduce you know the weight and every thing, so there's a personal trainers and the good thing is what I feel like a very good customer service


because whenever you know you go there uh they will greet you you know the first thing they greet you hi sir how are you then okay so then they ask for the towels so which towel because they got a three types of towel small medium and big, uh so you can uh ya you know how how many you want you just take okay I need one of that one of these uh then you just took then uh there always uh a locker


especially for locker so you just go there and use and you know you can keep all your belongings by inside there, then after that you can change uh you know change inside the changing room, so I feel it's very clean and very neat hor neat and uh almost you know I saw every I think every half an hour or one hour there's uh they use you know the equipments


they use uh disinfection solvent to clean up the their equipments also so make sure and everything you know because people use you know the next people ya so in order to that they're use uh solvent to clean up, the equipment also I feel is very good ya, so do you have any experience


ya treadmill ah


ya correct, yup because , here here also they got a some certain uh what they call ah uh like zumba dancing and you know the those bicycling bicycle uh you know riding so but the another one is a certain I think every evenings and mornings


they got uh timing also so once you book for that ah so also there's a coach down there so of course they will put an appear and nice music and based on the music you know you've to cycle up whether fast fast motion or slow you know everything so it's a so one of the good activities ah so this is included into the price also


so once you paid for other that all everything is included is free so you just but but you have to book the the time and date lah ya earlier


uh yeah every wednesday


okay oh that's great that's great, ah, ya the the the the correct ya peak hours ya


oh this, ya I think better uh the bowling crack ya okay okay, okay then uh come to (ppc) this uh what you called ah recently actually I bought a Apple watch ah uh five series so actually the watch ah having a lot of function let's say let's say example receiving calls making calls uh actually you can read uh whatsapp message through from there the phone you know the watch itself


so also uh they can check a noise level uh set up a heart rate notification uh fitness like uh you know a breathing path date and demo everything so there's a lot of uh what you call , uh functions there lah so I think the design also very nice and uh I think you can choose uh different sizes uh many type of wrist and colour


uh so I think you can put a silent mode or vibration mode also if you want it, but I feel is a bit expensive but still are value for the money lah because the Apple watch price is even after the after you know they they are introduced another series ah so these uh the watch price is still at maintain there lah


still can get you know you can sell back for second price also secondhand, so do you have any experience on these , electronic electronic device, oh okay !wah! same okay smartphone ah


oh okay ah, !wah! that's good


okay okay okay so, yeah very good ah because now yeah everything smartphone ya we need their all these thing ya


correct correct correct okay, ah okay, so boleh user friendly ah ya okay then then uh come to okay, uh the second thing is uh I actually want to talk about my you know because I bought uh uh a camera CCTV camera from uh Challenger c=Challenger there there's actually own their own brand you know so very good price very low price so I just installed my you know hall you know the the thing actually can move uh two hundred seventy degree you know


so two hundred seventy degree so it can rotate rotate for two hundred seventy degree and plus uh his colour colour and uh voice recording also that mean you can absorb uh voice uh and you can hear, so the the good thing is because it can install anywhere anywhere in the house


so this are very uh easy to mount and you just can record so and and the good thing is it can uh trace back let's say you want to check on the previous date ah so you can go back to the date and I can zoom you can check so as long your your sizes is there lah


ya I feel this is a one of the good for good price yeah, so, uh it's a cameras CC uh CC so this camera are from Challenger, Challenger I think I bought about I think was twenty nine dollars or twenty dollars


so and is still working fine ya very good so you can use your phone to you know uh wifi so to connected they'll give uh password then you just can see so as long any motions ah anyone is moving automatically your phone would be you know there's a there's a message will come ah the camera is circulate ah then you can see you can zoom


you can see you can zoom you can rotate you can see even you can you can hear the sound, yeah so is is good lah ya is good one of the device ya


I see bluetooth okay, oh, !wah! so is fine but is wireless ah is wireless


yeah yeah I've I've hear, ah, I'm not sure about the bank, uh twelve twelve Iphone twelve is just released yeah, Iphone twelve, ya just released


and very nice yeah, ya so because they're the one, they upgrade to five g you know because currently every thing go you know from four g nows uh they're looking into five G so I like uh this Samsung note twenty uh and everything is five G so this uh Iphone twelve because currently eleven is four G


and uh twelve if talking about twelve it could be uh five G so I think future you know they going for five G so all this we we also ya five G Iphone twelve is five G so we also uh, price I think uh because apple prices is always standard price you know because there there's only one uh so they always keep the price uh the standard price even Iphone eleven or twelve ah you don't see a much different you know


ya so price because we're as a as a buyer is uh you know the buyers when they looking into Iphone so they don't see the price they only see the what is contained inside ah so normally Iphone lowest they go for the the the what is inside you know the package that mean the phone itself


so the price wise for them I think is not but of course you choose at telco ah telco they offering a good price also because they come together with the two years contract of course the price is they can give a lower price ah depends on the different telco, yeah


so I think I think, correct ah I think I think ah


smart watch ah yeah I think it okay, yes still because now the the Iphone is they introduced six, C six you know yeah


C six yeah currently because I bought uh that time I bought a two three months back is five so now they I think they go for six but no much uh, uh phone phone got two sizes forty and forty four forty four my Samsung also ya Samsung also have ya so but this is forty


expensive correct expensive talking about expensive but people you know we still you know but uh cause it's worth it lah because we can you know without a phone you can see you can talk you know all this is , good things lah ya


ya correct, ya ya correct even


because a lot of things you know now the electronic gadget ya many things in the gadget correct correct earphones a lot of things I like what recently I bought uh this uh you know uh wifi ah wifi adaptors, so the one also good one of the good from Challenger also so we can you know they they called it what they called ah boom you know from the from the room because some certain time I cannot get from the rooms


so I just installed then to get a boost boost wifi that's very good also ya so also very good price with the lowest price of course very good also yeah


hello diana do you apply for a HDB grant when purchasing a HDB flat as a married couple or as a single person


oh I see so that means ah you didn't get any HDB group grant, oh okay , have you do you get a loan from the bank when renovating your house


but did you renovate your house, !wow! you are cash rich


does HDB give you uh renovation loan, I


oh oh that is different from HDB grant loan


oh so you just get a loan from them okay okay so the so the loan is is at a better rate than uh getting it from the bank


then did you like make a check against any bank, because you you trust them lah


ah okay so do you have any questions for me, I use CPF


partly CPF is not enough lah of course so partly CPF partly bank, loan, oh so if to get a loan from the bank I uh compare a few banks then of course go to the one that I'm most comfortable with lor


at the at uh those days ah during those days I was working so it was not a problem because my income was deemed to be sufficient lah


ah yes yes yes yes and then of course I paid uh CPF CPF helped to pay down


the loan so the loan from the bank isn't very high percentage ah maybe like half since is a private property and then I pay through, installment lor ya


I thank god lah I managed uh to finish up all all my loans so I'm okay I'm okay, so far we only talk for five minutes only you know


it's only fifteen fifteen minutes gone


no now retiring age ah still invest in property ah and then there is this uh additional buyer's stamp duty, ya so so


there was one point of time uh my brother was staying with me so I was like I was like okay, maybe look for a bigger place I was quite willing to go and pay for ABSD


then somebody told me what what for you pay at the ABSD, the extra, it's a lot of money so I I I I talk it through then I think okay is is true lah what for I go and pay all these extra upfront and then it means that I have to take loan right


and then I got to halt for capital gain later on to cover the ABSD, ya so is a deterrents lah


!huh! say again I don't understand your question


yes, thank god but I do not know whether next year which is we we are coming to end of the year I do not know whether it will be the same because I


know that one uh tenant ah he's in UK so he's not staying in the house at all, uh he pay me uh uh two two months lah two months


okay so we go to the additional crumb questions


!wah! how many I didn't count eh and what do you mean what do you mean by personal insurance so you should go by category, per example like hospitalisation insurance ah


mine is plan two ah plan two plan two I think plan one is private hospital


plan a ah plan one I think is private hospitals so I think I didn't do I didn't choose that one I choose plan two which is uh restructured hospital


I think got to top up got to top up, ah they have a certain they will apply a certain percentage, so so what is yours


okay so is with NTUC is it with with income ah


mine is aviva, because my uh my financial planner the friend there uh highly recommended aviva so I buy aviva


we we still at the question nine, so do you like have any uh concern about this oh ya you you said ah you went to AIA so you went to change it to government hospital


it makes sense lah it makes sense lah but why why you still stay with IP ah because


there is I mean you still want IP lah because there is another step right uh it means like example like my brother don't buy any IP at all just medishield


oh so what's wrong with your eyes


oh dear


ya ya that's true but I think know our national eye centre is so bad


ya maybe you should feedback


but now that is over, I think you can still like write in a feedback to say on such and such date you visited uh this, uh whatever you know in sohu and uh you were discharged but after that you add on uh know like the next day or or whatever lah ah you write down you went to visit a private


doctor and uh he discover you got retinal detachment and you had a operation so so so you say uh this is just to feedback to you guys that, you know the your check ha on such and such date was not


thorough and and uh fortunately you know you have the, common sense to go and uh check with private doctor or else you might lose your sight


but you can remember the appointment date right is on your


oh I see, you didn't even mark on your calendar oh I see


ya ya ya I'm so sorry to hear all this


you know that I also got uh retinal detachment before right


I didn't go for regular checking or whatever then at my last employment ah which was uh maybe like two three years or or or five years ago, I went to raffles hospital then the doctor said I must go back for regular check I should not be not checking at all


but now that I uh I left employment and I retired so I I still never go back to check of course I won't go back to raffles lah but I'm wondering with your experience whether I dare to go to uh national eye centre to check or not


ha but then now how's your eyesight now


okay diana you want to start or I start


any negative experience okay okay I participated uh in this program ah, called HISG I think is stands for health impact SG is singapore lah health so for for that experience ah you got to wear a fitbit watch you know


fitbit watch ah is very uh very fierce looking one can you see can you see my fierce looking watch okay is ionic, okay you got to wear it for two years and uh it can track or track ah uh


heartbeat track your step, your sleep and all that and then after that you got to key into the HISG uh program, on what you eat K every month ah you got to key in ten days breakfast dinner uh


lunch and all that K and you get points health points, so so they give me all the contact you know customer service contact and all that so of course I will get into problems because it's electronic products and all that but I was very impressed by them lah because


usually the ionic ah the fitbit uh customer service from the accent I could tell that they are filipinos, so so their response is always very good until very recently for some reason ah is more than one year already so the fitbit


which is a electronic product don't last very long one so so ah it start to , uh give me some problems lah example like the battery isn't so good and I have to charge uh very often and uh so it's very inconvenient because after after sleeping ah morning get up I will go for a walk you know but the battery is not enough


so it didn't track my my uh my walk my exercise tracking so I got to call them up, so so they say okay I got to return to them to let them check so and they say is only ten days but so I I I return it to them and all that in the end it was one month


!wah! which means that one month ah I cannot do any recording and I lose all the points, secondly they say the the watch uh which they called pebble lah pebble pebble p e b b l e pebble


because you don't return the whole watch you know the the straps you got to take it out so only the that that surface ah the clock surface you return that is called the pebble so the pebble ah they don't have grey colour pebble which was the one that they gave it to me


they say only this colour this horrible colour golden colour that's why it is fierce looking now make even more fierce so no choice lor so so this is something that is not very positive because


one month I lost one month of time lost one month of, statistics and uh and all that ya so I consider it as a negative experience, so do you have any negative experience to share


which bank is it no ah normally bank is very nice what, ha you called the the


oh RM is it RM relationship manager, it's called RM, most RM are are


very uh they are they are supposed very nice although although I notice that these days ah there are there are a lot of uh young RM, quite inexperience one young graduates new graduates so maybe he been not that well trained ah


I uh I avoid using RMs and all that if I got any trouble I don't call the RMs I I always call the hotlines


can I know what is your problem or not how come usually the hotline they can access a lot of things and they can look at it only very very unique situation then they say oh only the RM can handle it


oh, I see sometimes oh because it's during COVID period ah so you can't go to the bank


ya ya, ya ya ya they don't have internet banking access


so diana right now the pandemic uh although it's not over but at least can still go to the bank so my advice to you is please convert all your banks ah all your bank accounts to internet banking


because that will be very convenient


oh dear


what scammer what scammer is that


did you report to the police or not


oh okay


the part payment was that there until you got scam who is the scammer, you must have given away your pin or your whatever right


oh so maybe one of those payments you made were fictitious was fictitious, then you could trace back all those transactions what


see I see okay I understand now


don't use paywave anymore or use cash


ya, so these days ah do you work you you don't work right !aiyo!


, maybe ah maybe you can go to uh what the government has one uh agency call what career counselling


so you are now surviving on uh savings, from CPF ah, oh


!aiyo! ah , but now you your house ah quite big right for one person so you have rooms you have rooms you can rent out what I heard the market rate is six hundred dollars is it per room


but have you ever tried renting out


so I I think I I suppose I I can conclude that you probably have enough lah to survive if not you would have worked for, renting already ah you are not desperate lah I don't think you are desperate


that one is free free, okay lah which is not much lah is okay lah quite balance lah your ya ya ya should ah look after your health


okay so , then you participate in the church service via zoom ah


correct, !wow! time flies now we're in the last fourteen seconds


(ppl) ya lot of things to talk (ppb) okay and finish


debate topic wo


okay uh diana you start first by describing a moment when you have a positive experience with a customer service agent, over the phone for a product or service


okay I think you are referring to marketing calls right not referring to a like you you you will need


a you have a particular query then you call up the bank's uh hotline you know to ask them, oh !wow! you never you never need to uh call the banks hotline for questions ah


yes yes I I I have I do it very often


yes I do it very often you know like I can't remember, what were those uh instances but usually when I have problem I will look up the hotline and then call them and then uh they will explain to me and all that and usually usually positive most of the time is positive and then I will have to give feedback


so so and I know feedback is very important to them, ya to them so I uh I try to be nice also lah so uh usually I give good feedback which is which is true because I don't have I don't have I don't


think I I remember any negative experience and uh of course there are times when uh it's not just banks ah is is any other thing lah example, like my washing washing machine down you know then I uh I


I can't open the door and all that so so those times I will be quite frustrated, so even during the frustrating, time or frustrated voice and all that uh they are still very nice the customer service agent I I think I am very impressed by them because somehow they always managed to choose the very patient


very patient ones to be a customer service officer, they're always very nice, don't lose their patience, ya


so you are happy with the outcome, okay so that was electrical flask ah is the hotpot is it


so ah you let the uh you let it on the whole day right to keep it warm right


ah okay but why so difficult to uh to install it is it uh the


they won't give you warranty, so ah you must have bought a very sophisticated


flask ya, how much did you spend, oh okay


I I I just use electric kettle lor for every morning ah because every morning as long as I have I have another uh kettle, which is a big one to store uh


to store water so as long as uh it doesn't require a refilling ah I just use the electric kettle which is enough to make cereals and enough to, make the morning coffee or tea then


ah then uh the balance then I put, into the hot flask so then the next morning I will pour the hot flask into the into the the normal kettle so ya so the normal kettle will


I will need to replenish lah like maybe every four days you know one week once or so lah and that one ah I uh, I make water over over gas gas stove


oh dear


ya ya, oh I see


so now your gas so now your gas is back to normal,


okay you can continue your story on uh hot water and gas usage , so ya my, my utility bill ah uh is is quite low you know until they will come and tell me that I'm a model user


I don't know I I suspect that uh because my brother although uh my brother and uh sister in law they are living in china


ya ya ya that that's that one is always there one, so but my brother and sister in law they all have their address ah, uh and my home


so I think they will consider me, not a single uh user lah the house is more than one person so I think that's why that's why I become a model


so now now that day I learn from rebecca so to help to save the electric power at night ah I will switch off my wifi


you switch off the wifi because the wifi use power mah so that also save some power lor


that means no wifi lor at night if I want to look at uh phones or I want to use internet no internet lah, ah so my phone if I'm I'm doing any uh or if there's phone call or or or whatever or I need to access internet using my mobile phone then you'll be using data lor


power yes, is linked what wifi you have to switch on electricity what


ya, all these years I leave it throughout until one day I was having a conference call zoom call with them then rebecca was saying oh I think my father switch off the power that's why she got no connection


so she went to switch it on so from there I got the idea lah she said because she say her family uh they will switch off the wifi at night


not stable ah


oh, but it may not be m one's problem it may just be you know the connection to your place is not good


but is is cheaper


eh but is all like that you know these days mine is using singtel yes they will choose they will wifi what is called broadband, they have their own router I I I set it out myself because these days is all like that


they don't make appointment and then send their service men to you anymore, yes you just got to connect it yourself set it up link here link there then after that if you got problem then you call their hotlines


hotlines is the normal hotline sure pick up one


oh dear, so maybe you have to switch back to singtel how long more your contract period


if connection you have to connect yourself lor so I wait the last uh renewal they offer me the the routers ah so I I took up that offer so I just pay like fifty one or fifty two dollars


I think two years is up already and I'm thinking (hmm) maybe I should try try other vendors but I I haven't really go and look at them yet, every month just pay fifty fifty over dollars lah so I think they did send me a renewal one which uh maybe increase by maybe up to sixty or whatever also come with routers and all that but if I don't renew then they'll just continue to charge the same rate I think


cheaper lah no need to upgrade lor because when they are in place when they renew they upgrade the router is better lah because these days ah product uh product uh what deterioration not deterioration lah don't know what you call it deterioration ah is very high


ya ya ya, ya that's right eh we're coming to the end already now is twenty seven seconds twenty five twenty three


that's good quite interesting right so far the experience, next one ah maybe is negative experience I don't know I'm just making a guess


uh no I did not really apply as a couple or single person because at that time uh


is under my parents' name


uh no I did not get any loan at all from the bank, , yes I do but I pay up in cash, not really lah just a simple renovation only didn't do didn't do a lot of changes ya


no they just gave me a loan the HDB loan for payment by installment only


ya different correct ah correct different totally different they didn't give me a grant at all ya because that time when this house was belonged to my parents since my parent gone I they just uh let me take over the flat only


yes ya, I think so lah according to them is a better rate lah but recently they increase their loan rate also


uh so far I did not do so because I, ya correct I did not take the trouble to get a look for the bank lah but I was told at one stage at one stage the bank loan was very low from the bank but I was did not take the didn't even uh think of it lah to go and do the changes lah


ya you see ah I notice that you uh purchase house so it means you must get the loan from the bank lah


oh but the rate is it very good


oh but any uh criteria that they require from you


oh, okay so uh that that is good lah at least it it's uh not so heavy lah in a sense ah


but then but then when it come to the retirement uh age ah where the government they set aside the fund ah for the retirement uh fund so means the balance is still enough for you to pay for the bank uh for the house loan lah


oh ya ya that's great is a good news ya


still still where I can't see the question I read then what others ah uh so so do you do you still uh invest is at lately do you still invest in any property


correct lor correct lor ya


correct


but now now with your existing one ah uh do you manage to get uh still manage to get the income running out, you you your existing uh your existing property ah which you uh beside you where you stay you have still other places correct do you manage to rent out


so thanks god at least during this COVID nineteen you still manage to rent out lah


but he still pay lah he still pay you lah


so does he plan to continue is he coming back, so personal insurance I'm sure you have correct how many you bought how many personal insurance


yes


so for yours is integrated is it, so you uh for you did you take the one cover the private one private hospital


it means that when you are admitted to the private one you are not allowed to claim ah, oh you you still can claim can claim a certain percentage correct


ya at least better than nothing lah, uh for me hospital at first is uh the father cover the private one because I was under this uh private doctor so that's the reason why I buy the private insurance but now because the insurance ah the premium is


so high until I cannot afford, so I have no choice I have to downgrade lor I downgrade to the government one


no I uh AIA how about you


tap where ah, okay, eh okay, now now is come out have triangular and red colour and submit you know


okay uh where are we ah


okay so ah ya


yes, ya I downgrade because better than no insurance because my premium already due then I don't have enough money so I had to downgrade lor in order to pay


for the premium ya ya then, ya


oh, because because I I still under because my eyes my eyes doctor is under the private one


the my my eyes, is under private so if I don't get this insurance I was not cover with anything their emergency then I need to admit to the private hospital, ah so at least can claim something you see because uh


because the government ah uh I okay on go to the polyclinic ah and asked for refer to the the eye centre ah, many times I go refer letter go eye centre the eye centre ah keep on rejecting me saying that I had no problem always discharge me then I go to the private one always able to find out what's wrong with me and give me uh treatment you see ah


the retinal tear since I second time tearing already on different eyes lah at first is right side now left side so so when I went, to the government right I went to the eyes centre they keep on saying that nothing wrong with you even though when they see the the doctor see ah can tell me said your eyes ah have hole in your eyes know and can can still ask me to go home know !wah!


then on the same day ah I realise ah he tell me like that ah I straight away went to the this private one ah straight away go go do laser if I he say if you come too late ah and it cause totally blindness lah


, ya but because I under subsidy I I go through the polyclinic one so maybe they they put me to a very junior or what I don't know lah ah but then it cannot be ah he can see the hole in the eye and he can still still


ask to tell the nurse to the nurse come out to ask me to go home, ya that time I was just just so just so anxious lah and overly so panic I quickly rush rush to the private one lor ah


the problem is that ah that time I was so anxious and so, uh uh panic ah that I can't even remember uh who is the doctor and what's the doctor name and even can't remember the name everything


so totally after go through everything okay by that time realise I can't remember a single thing , no I can't no it's not on the card is a it's a referred letter is a letter that I need to just show them the letter no appointment one because from the clinic they straight away issue a referred letter


no I did not I I never I never expect them to be so so is uh this type of situation ah


ya but then recently uh because I want to because I downgrade my insurance correct so I went to the polyclinic again ask for


refer letter to this eyes centre this year lah this year beginning of this year so I can use the refer letter to the eyes centre then they check they say oh nothing wrong uh


you no need to come back any problem then you come back they just tell me like that, , so I had to standby lor this private one if not ah I really ah can't see a single thing


yes you told me correct


but so far ah I mean other people ah don't have bad experience know I'm the only one know a lot of them ah a lot of them go there ah a a lot of senior lah


I always check with those senior ah a lot of senior ah go there no problem one [orh] straight away do for them even the cataract ah, they find it all so far so good know ah


now uh now uh uh, I have rotor then uh I very, careful because how I get my retinal tear is that because I kind uh how to say I kind of skip ah a bit of skip jump scape that type because I do exercise so you know some exercise you you skip and a bit of skipping jumping out ah


ah that's how I get that's how I get my tearing, so now ah uh any skipping or or jumping ah, or or the, or any vigilant exercise I I didn't do lah


[ah] I very careful [lah]


you start you start can't think of any negative now at at this moment


ah ah


can't really oh oh okay okay K can say ya ya okay


oh ya ya ya ya ya you have told us before correct ya ya


!wah!, correct !wah!


ya ah ah ah, ya


ya recently I means like I, I because of the COVID nineteen I don't want to go to the bank so I call, the the


the representative of the bank call them out then I want uh ask them question want to ask them some question, then the fella at first, uh pick up the call and put down just a cut down then I call back again he said I in the meeting uh then I said can you call back after that never call back already so very bad lah


OCBC ya lor OCBC lor, then I then I call I call call to talk to the manager I tell the manager that's how your staff ah give me this type of uh service


so he said he will look into it lah ah because I had told him who is that person


correct no their their main because they give them the, the target the goal or their sales sales goal so they just if you I can't give them any sales they're not interested to hear to to take your call one you will see ah you you have uh business for them ah they will sure pick up one


but you know lah now retirement on where have have money to invest so so they don't I already did not invest for many years already so they see my record ah they don't even want to pick up call one


correct but then I ever I always call the hotline then they pass the call to them say there's a problem they said they can't answer only that they are the one can answer my call they are the one can go into my account to see and tell me what I'm supposed to do


I can't really remember what it is but but I remember is that uh to check, oh I know now I remember because nowadays call paynow correct, and you need a internet the i-banking correct so I want to use OCBC I want to ask them do I have


I remember I open a account for this i- banking but I can't that is many donkey years but then I can't remember now did I have or the account still exist or not exist, or I had to redo all over again then this operator was telling me they had no right to go inside to check they need an RM to do it


correct, correct I don't want actually can but the queue ah is so terrible so long know the queue I can tell you


just to wait outside to enter into the bank already long queue then you go inside a long queue because a lot of old people you know they don't want don't don't know how to use internet correct so all the old people majority is queuing there


ya then they have problem like go to the machine ah have problem so anything they had to go over the counter so the queue is quite long lah ah


I know but it because I have very bad experience now you say ah then I can tell you ah negative experience I've tell you , I make payment internet make payment online and I was being scammed being uh ya


ya my whole bank account ah the money ah on the same day ah I was make payment ah after that I straight uh proceed to pay ah my money inside hor come out tell me I have zero balance, then ah I quickly call the bank then the bank said you make all these payment what I said I never make can you stop it and quickly investigate all my money gone until zero


and this fella ah the the scammer very smart one oh because I, have set a limit one uh maximum only can pay how much so he take my maximum limit ah ha what sorry


tap on my phone ah okay, okay okay, I don't know


that's why I say I tell the bank I was make payment online leh how can this fella able to go in when I was doing my transaction how this fella go in, I don't know how I don't know how this person go in


have you know the nowadays the police damn terrible one know they ha they tell they tell I go to the I was told to go to the neighbouring hood police station I go to the neighbouring hood police there station there to report


the uh they say oh actually ah we don't uh soft for you this problem one but you want to report I just write the report for you lah can ah but you still have to go back and ask the bank to to solve for you one they can't solve one


then thanks god lah I push the bank lah everyday ah keep on calling them ah to ask them to investigate at last they managed to investigate and get the money back


ya ya so from then on ah I don't want to make try not to make anything ah ya through internet already or through i-banking at all I'd rather go physically ya very bad experience ah


really don't know scammer uh the bank didn't tell me who but was told that this scammer is from oversea one


cannot no lah I never give to anybody one know, it could it could be know or there there no no no reason


but then he said this this scammer the name is very weird name one which I never make payment to them at all


so that's why nowadays even the paynow ah I was so ah so so scared one you know uh especially now paywave ah always at the supermart all


ah when make payment ah they ask you what payment you make I when they said paywave I quickly go back and check make sure my money still there or else ah, save money all gone ah last time I don't I don't know I let them let them handle my my card know to do the payment now I say no no no I do it myself


oh okay because right now cash not enough lah so I use paywave lor


because you know my my area don't have bank what so very difficult lah, ah


looking actually I looking around but ha so far no news lah only some call out they ask me for my age, after telling them the age they said actually they said want to send in uh send the detail of the interview know after telling me all this ah he forgot to ask the age then he asked my age after ask the age already ah they said okay then I keep on checking the email ah


no interview detail, so means, I know correct I was with I register with them already but


one thing the government is ah say until very nice ah provide a lot of job ah actually ah if you really go through ah is actually meant for all the graduate one ah newly fresh graduate for the ya so all the job is all for the graduate one


even though simple office job ah administrator all these ah also put ah degree degree, ah


no CPF no more money already so so now they they give me the


uh because now retirement they give us a portion of the retirement of the fund give it to me lah every month lah, ah just just on on that lah relying on that lor to to carry on the life lah


oh very little because I don't have much money in my retirement because when I they convert that time partly ah because I used uh to pay for the house loan so the CPF balance is very little then once need to convert they totally take the money go to the retirement


so my I can't I can't use anymore to repay for my house loan already lor, and uh there is not enough lah for the retirement fund if any money come in they straight away say cannot use have to fall into the retirement fund


ya uh but then now a lot of them ah, have uh all you know all the foreign worker all this all are leaving mah all they can't get the job they a lot of my friends uh their room already now empty what can't can't get any tenant because now left a few stay in singapore what


uh not really lah I I, I actually I have uh a lot of thing have not clear lah in my house


ya because I don't I don't no no no I I don't really, uh really spend, only on my normal daily meal transport and those fixed costs hor telephone bill UB bill lah all this ah


so now I only spend more some extra money to do the exercise remember you introduce to me the active health lab, is it ya I did register with them already, then I I can


ha, I know free but then I also go to pay for the exercise ah I go and play badminton so I have to pay for the, court all this ah ya it, ya correct correct because I need to do lah the exercise


have a lot of meetings lah small group meeting uh player meeting senior meeting then we have seminar meeting they invite a lot of uh


some uh speaker to kind of teach us so in fact eh next saturday onward uh continue until december, every saturday morning


uh we invite this speaker call margaret steward I don't know you've heard of her or not, her her husband recently just uh gone with the law so uh we invite her lor to teach us hor the teach us uh this time the topic is regulation ya which is not easy lah this this this book


debate topic two


uh , product service , so far I don't really


is you see is the the bank uh who uh introduced, their uh investment product to me and some


able to uh describe or explain very clearly so uh good to know that they have a good knowledge lah of their own own product lah they're able to introduce to the customer lah


ya correct,


oh oh no no I I don't have that, ya, so far so far I my my my transaction is very simple so nothing ah nothing very complicated


and ya the normal the normal banking transaction ah, oh a'ah


ya ya


oh, !wah!, !wow!, now I actually I can recall ah recently I just bought a the water flask ah water flask because my electrical electrical flask


uh uh, grow out lah short circuit so I bought a new one but during this COVID nineteen ah I had no choice but order online, then ah uh they deliver and I really ah


according to their website ah their description how to use ah when arrive ah physically ah is totally different eh so I I I said I really don't know how to use so I call them out, but this lady uh is not so


positive in a in a way maybe she don't know her product quite well or what she asked me to bring the whole whole flask go down know to their office so that she can show me I say what is this already not allowed to go down and you ask me to bring the thing so heavy to go down


so I say you must come and get somebody who is your salespeople who however know their their product to send it to me by video or what to describe telling me how to go about it lah, but at last this this lady able to manage to get their colleague lah to send me a video how how to handle how to use it


so not bad lah


ya correct, I mean like you use the water instead of boiling hot water to make hot, drink ah I use it at use that lah ah


uh I don't ah I only when I need to use to drink hot drink then I on it or else the the balance I use it as my warm water


no because ah you need you need to refill the water correct so so because it's electrical so they say I have to very cautious the water make sure don't touch it there is a certain uh way on how to remove the the cover


and how to which side to to, feel in the water not every side can so certain angle you see, then especially the the the cover one I try to remove I can't can't remove and down there have warning sign that if I did not remove properly it will break once break I even though it's are still under newly bought ah they won't not uh change for me lah


ah, it because they said I break myself I did not remove remove properly so, ya correct because ah seventy over dollar because actually ah


I want to buy a simple one but I don't know I I means that online really can't see really ah the actual thing ah the description I thought this description is just normal but come come ah is not normal


!wah! you know and talk about that ah you know what was the reason why I get this one is because ah during the COVID nineteen ah after the three month ah the PUB bill ah


suddenly ah my because I at first like like you like that I boil my water over the gas stove then ah after three month ah my gas bill ah go up ah three times know


so I say there is no reason why my bill go up then they said you cook everyday I say even not COVID nineteen I also cook because I'm not working I at home I cook so there is no reason why can jump up to three time


so, probably I said the gas reason is I boil the water because I, I when I very bad habit lah in a way is that morning I boil the water to make uh for my breakfast


then afternoon I boil water to make my coffee so means two day I boil two time, ah but then because of the mask ah the mask they give instruction have to wash with warm water correct


then I go and boil another time to wash my mask so end up boil so many time ah the gas bill ah shoot up so high then I, I I I at first suspect, ah my gas ah the meter go wrong so I called the gas gas uh meter person hor to come down to check


ya correct so now ah I use


so so now, ah


oh eh hold on hold on I had here said make sure no sound is coming out of your speaker but you can hear me correct


oh okay okay okay ya sorry sorry interrupt you said your brother what sorry


correct correct correct correct ya, ya ya, ya but then a'ah


ya, ya, oh , but then switch on the wifi and don't switch on what's the difference


that, means normally you don't use wifi ah


oh but that one is but that one is not related to electricity correct


oh I I I leave it on throughout leh I did not off it leh


oh, last time I used to do that know then because, I I I last time I using singtel


provider but, because the singtel charge more expensive so I switched off switch m one ah then m one charge me cheaper but the router they gave me ah is very not a good router then I question them know


ya I question them then they said you know what they answer me, oh yours one ah your subscription only how much cheap one [orh] so we can't give you a good router I say how can you do that, then when I upgrade my my uh M one ah


the subscription ah upgrade to a as next level ah also give me a lousy router whenever I off it and on ah the cannot connect so I then they told me you have to keep on leaving it don't off and on


so no choice lor I had to leave it on lor forever lor then many times ah like luckily this few time ah don't don't disconnect the last week one ah keep on ha disconnect for me know for no reason one know, just ya then whenever raining heavy or thunderstorm ah disconnect already


oh, so I say if on uh once my m m one uh expire ah I not going to continue already very bad ah very bad


but according to m one ah is they blame on the router lah because m one don't have their own router, so they suck it to their agent and the agent ah don't have office in singapore is in philippine and they can't really help one know they you know what they tell they ya you know what's the


correct lor then you know what the filipino people tell me uh you own self have to do it yourself leh we can't help you know


oh, oh is it


oh but at least they pick up correct, oh my side don't pick up one know never pick up one know


she only said uh oh we can't we very busy can't pick up then ah they direct your call to say uh send your send by email when I send by email no no respond back one know, ah very bad service lah


another just renew this year two years what ya, ya but you say singtel also not so good correct


ah so so it's cheaper isn't that if you continue cheaper correct, ya lor


oh, ya ya ya, like they said !wah! the the electronic now ah all the item ah they don't make it ah lasting one know remember last time our time the national the national product


!wah! can tell you ah can last ah from my parent ah time until until my recent uh that is uh, can last until after my parent gone still can last know,


now ah they all say after two years ah already all all gone already ah, ya


ya, oh okay


okay, uh finance topics okay savings accounts, I mean I do have savings accounts and there's only bank singapore each one has a different each one have their own savings account with the different err features


even now in singapore we have not only the singapore banks like DBS UOB and OCBC we have quite a number of err foreign banks also like Citibank and Standard Chartered Maybank and on so all of them have their own savings accounts and err


the different savings accounts have different features, okay what do you what do you say


yes I agree because I actually do the same myself I have more than one bank account also and my POSB account actually is the main so called transaction account and uh


so the money I keep in there also is uh essentially what I expect to spend over the month and then I have another account which earns a slightly higher interest and ah try to keep my money there for after salary was credited so that


it err to maximise whatever interest I can earn although err interest actually is not that big lah, in a space in err absolute terms but between the singapore banks which tend to offer only zero point zero five eight percent interest and it seems on comparison to be much lower than what the foreign banks offer


although the foreign the requirements for the foreign banks sometimes is they need you need to err satisfy some conditions , like minimum amount or minimum balance or things like that so different banks have different conditions so it's quite it's not so straightforward to compare account to account cause there's so many different things across the banks and err it some this bank has other banks don't have


so actually it's not quite simple to compare


true true I have quite I I have quite a number of credit cards and uh, but usage is concentrated in a few I mean okay to start with I have more I have quite a number because at the time I signed up there was some like promotion or offer


or something you know you know it is credits or vouchers or something like that, but uh after the initial period actually I can close some some of the credit card actually I've cancel some are still have but I use quite minimally


because err I different merchants they offer they do offer a discount if they use a bag a card from a specific bank, so I will try to see for any particular shop or merchant I go to which if any card offers a better discount that any other card so if the option is there and if I have that card then I'll try to use that card


but if obvious not there I don't have the card then of course issue is not there but otherwise by default err most of my spending is concentrated actually in one card, so I would use that card for my expenses but then again credit cards also like same accounts have the same


requirement of conditions we met for various things to happen so and normally the could the normal condition is ah different, categories of spending to be met or err the minimum amount of spending per month


ah and there's another thing actually before I forget because spending per month some banks use calendar month some banks used billing month, so calendar month then it's quite easy to remember you know first of month end of month but billing month you must remember when is the billing start because it depends when you started your get your account so start on first second third fourth can be any date so actually that is quite confusing may times I forgotten


when it's supposed to be so I made a I may miss the requirement because of that, but err normally what they the reason for the meeting condition is that they will say you if you meet my condition then they will offer a certain amount of rebate or cash back


to err the amount you spend over the card, so one thing is I try to minimise my so called discretionary spending, so I don't do much like shopping and things like that ad hoc so my expenses per month I'm more or less fixed every month more or less


so when a a particular card says you need to spend you know five hundred dollars this month or whatever is it and then if actually multiple cards have the same requirement minimum five hundreds a month I cannot meet, or else and then err they will exclude certain categories of payments whether is insurance premiums or top ups or excess payments or whatever it is so so quite half most of time I


I just leave it alone because is is not possible to meet requirements unless I spend more than I need too and I think there's a very bad idea to spend more than I need to so I just give up the so called discount or rebate or cash back if err


that is the price I have to pay for not meeting the minimum spending,


ya actually that's very true for myself I have cancelled some cards because they have refused to waive annual fee that was sometime back lah but nowadays they tend to be they tends to be okay to waive it


so far so good lah but err I but I have my thinking is and I think the banks know also that if the fees is not cancel, the card can be cancelled and then they lose any possible commission or profit they make so I is probably in my it's my interest definitely but in the bank interest to also waive the fee in the hope that they can make some money out of me lah


I mean, ya correct


ya correct, ,


yes that's that's what I'm I'm taking as well so I mean I I don't see a need or real benefit in having a too many joint account so ya so currently it's just basically initial accounts except for one exception where for that err settlement of loan lah as was mentioned earlier


ya correct right now I think I right now I only have one fixed deposit which is for twelve months term but all the fixed deposit not the fixed deposit rates one thing uh getting not attractive nowadays hasn't be for some time plus


err having a fixed deposit means the money is locked within the fixed deposit because breaking a fixed deposit bank normally threatened some penalties and all that so the interest to to me the interest loss is, ah not is is minor compared to the flexibility I have from having money in the bank account which can use at anytime


so err ya so majority of my accounts are sorry majority of my cash is in savings accounts and I also have this as I has mentioned earlier because the, basic interest of zero point zero five percent across most banks is terribly low I mean was low became lower recently and err so the higher accounts at least improve it improve it err not great but at least little bit is there


so I keep my money in the higher accounts as much as I can so then when I need money I'll just transfer it to my POSB account for usage


, I yes I had foreign classic fixed deposits, which rate must much higher than is the singapore or singapore dollar SGD rates but uh when I eventually I actually liquidated the fixed deposits then


the unfortunate thing was the exchange rate had fallen so much that what I got back in sing dollars was not far different what I deposited originally much few years earlier , so although the high interest is there for foreign currencies the exchange rate is a big risk lah if it turns if one way is still a big advantage just the other ways is to your big disadvantage


so in this case it more or less balanced out fairly equally so was just a waste of time and effort so after that I did twice so I don't think I'll do it again lah just not worth the effort , if you ask me


ya they have uh uh son and daughter have a POSB account and I also a OCBC savings account err I have to admit I can't quite remember why I opened two for each of them err it's different times lah but then POSB is because it's


I suppose that time it was the err main bank in singapore and as you said has the most number of branches in all that it's easiest to attend to although for them it doesn't matter because they don't have a, they don't go to ATM to withdraw cash because little children so we take care of their funding needs so that's why they


oh ah this is called the CDA child development account,


this one oh I can't remember whether it's my choice or not I think I chose to set up in ah OCBC so they would they have account there as well, yes but uh their accounts are basically uh dormant


doesn't see much movement because they're both still young so the need for funds exit wasn't yet so uh,


I think ya I think maybe when they start working they may need it lah right now as they're students I don't think they need an ATM card, because any any money at least we, one thing is we as parents can provide them we're still around and second thing is err we avoid the risk of if the cards are lost or the pin number is known then people can just steal their money you see so it's unnecessary risk


, I think so I think yes yes it is ya but once they become adults I maybe I think it it the bank will turn converted into a usual account I am not sure I'm sure they will send me a letter or something so when the time comes then we will see


ya I mean we were ya we I mean there's a a life policy there's a health insurance there's a endowment policy there's I mean the uh all kinds of policies everywhere so


ah bought over a period of time lah from various different insurance companies so insurance needs are more or less fully covered this is what my financial advisers tell me so uh


yes, ah ya that will mature where just about the time when he ah is doing his NS


so then just nice to see where you know if he if he can make it to university then can help to fund the at least part of the university expenses of course ah by the time don't know what how much university fees will be but it's a nice lump sum to tidy over tie over that particular requirement when it comes lah


, ya there are many questions question marks and so many unknowns and variables


we can prepare the best we can as we know now and then later on we see when time actually comes what we can do to mitigate I mean where to take out some savings liquidate whatever fixed deposit maybe uh I can sell some my shares, if they're still worth anything in ten years time uh no way to tell what's going to happen really no way


price prices generally have gone down fair bit but the dividends err haven't gone down as much and price will go down price I think I'd like to think price will go up


so now is not a good time to sell because is for low price so I unless earning it for money keep the shares and hopefully their prices will recover enough so that time I need to dispose there will be be err more than what I paid for it lah basically


, ya correct is a sleeping asset I don't want to crystallise the finance terms is crystallised the loss by selling now so right now is a paper loss lah keep it as paper for now


and err besides the shares the uh I mean I I don't have any ET ah ETF institution funds I have some unit trust and err and have some REITS which ah tend to pay a more steady and high level of return than dividends from ordinary shares


so those are fairly good returns lah although those also have fallen between this ah COVID period ah it takes to pay better return than ah most of the shares normal shares that is so ah I'm keeping it for now as long as I can afford to