ya or not they just like at the counter like they just ask how you're doing and then maybe they tell you about the deals that's going on in the grocery store and then make sure that you get it I think all that makes it a positive experience rather than the product sold in the store itself


and what about you your daily stuff


ah ya okay that's there definitely


all range of products okay


okay,


oh so what do you think about #mama shops# actually like do you have anything anything near your house


oh , you know now is forty cents sorry there's a site but ya now is forty cents am I


think mine I have one right below actually so this there person was my entire family, so like whenever you go down like and we ask for milk she she will know what we want and then she will say that oh it's there you should go take it or like I thought your dad just bought it the other day so


I I even know like I get to know stuff from her saying that oh my dad bought it already so I don't need to get it


uh part one finance okay uh uh


uh ya but okay I feel like okay credit card right like can like smart people then use lah if like you don't know how to use then don't use because uh there's actually lot lot of scams like personally right I was scammed also so I wanted to buy my


mother like this shoes lah then they said that it's like eighty per cent discount, then end up uh it was a scam lah so like in the end right the they only charged seventy dollar in the website but end up they like take eighty dollars from my credit card


then but actually like the advantages of credit card right is you can get a lot of discounts like if you go to eat right then like every time you got discount from like visa card lah mastercard all that then after that uh


if you go to gas stations right you always have discount for like esso cards and all so I think, in this way you credit cards are useful then you can also claim like a lot of rewards like for example the krisflyer right you can claim singapore airlines


uh rewards yeah


ya it's super useful because, you can just stay at home and buy stuff if not you have to go on the spot and pay cash which is very troublesome lah yeah ah ya true also


yeah it depends lah like we have to manage our expenses like you need to like set a limit when we are doing online shopping if not we tend to spend more than what we want


ya same I also have two bank accounts so my savings I'll just transfer to the other account, because if in one card right then I will I will just like start spending like if there's a savings account card right then I won't I won't even bring the card out


because I will tend to just use the card and spend yeah


okay then what do you think about CPF contribution


yeah


uh to be honest right I feel like okay CPF contribution is very useful but then


if uh I think like, CPF there shouldn't be CPF for part time jobs because the pay you get right it's already like so little then it's like okay they say like if you exceed more than five hundred dollars then they have CPF contribution right but five hundred dollars is already so little eh like what do you what do you do you with five hundred dollars like you cannot


it's like, because this is per hour jobs, so I think CPF should be only for like full time jobs then like there will be also be more contribution because if it's five hundred dollars right then they take away like a sum of your money then it's like a bit no use lah like what are you going to do with hundred dollars in your CPF


yeah then


oh I think actually I also don't know about that lah but I think the the minimum one right is like they they set at because


if you get hospitalised then the government need to pay for you so I think, you should have like a minimum amount in your medisave so that like they no need to like, actually actually how ah is it that one is only for self employed right


I only know if like you uh like


if you are if you become like fifty five years old right then all the all the your ordinary account money will go to your retirement savings then ya ya so right if you want to buy house then you should buy like


before fifty five years old because if uh how to say like once the because when you buy a house right when you sell your own house then the money will go to your CPF right, but then if you are fifty five years old the money will automatically go to your retirement account so you cannot like buy another house


yeah , which uh with oh that one is I think they will disperse the money monthly like after a certain age like for your for your daily expenses because when you get old right uh you cannot work so they will just disperse the yeah


, yeah


I'll usually I usually spend more on food lah like


my money always, yeah wasted on food yeah, ya on grab also no actually no on, grab I I I like use my father's credit card


, uh what's advice like what advice will you give to you five years ago, actually I


I don't have like any advice lah because five years ago go oh I'm like still in secondary school I don't I don't think like I have the responsibility of like


doing financial planning and all because like I'm not even working what like I only get pocket money like how to yeah


but personally right I feel like investing on gold right it's very it's very useful lah because I see my mum right she always buy like she always buy gold lah like regularly she save money then she will buy then she will sell it at a high price then she like earn a lot of money so because she's a housewife


ya she's she's a housewife so like she don't go to work what but then she will like just save the money then she will like do this so in this way right she she gets a lot of income actually yeah


!huh!, wait it's now only it's sixteen minutes only ah, oh question okay okay uh


uh


that you know right this okay this one right is uh my, my mother's friend son right he okay he was a he was a bachelor that he now only got married but then right when he was working he, all the money he earned right he gave his mother then the mother will buy gold coins you know the you know the gold ornaments right like your necklace all that one have making charge


but you know gold coins right there's no making charge yous just, you just pay for the the gold the gold rate, for the day, then then you will buy right then you will just keep it then after that when he get married right he will just sell those then like for him to like like uh start a business or something it's like actually the it's actually damn smart because


there's no wastage of money you are just buying and selling, ya yeah , yeah


, okay so, financial


how do you invest your money to accumulate, okay for this question right my my actually we like we have a family financial adviser lah so


when we like want to invest on something or we want to get insurance right then we will just contact her then she will like she will come and like advise on actually like kind of like a financial planner for us lah, so we just get her advice and do stuff


so I think getting a financial adviser is quite useful because they know like they know the current market, yeah


oh, no but no but financial advising right is only not only for investment eh, you can it's also for like, okay for example right my my dad's friend right he his wife was not feeling well then


okay my dad right he has like this insurance right whereby you when you when you get hospitalised right like if the medical fee is like a lot, then the the insurance company will just pay for you the whole sum like hundred thousands of dollars or something then ya then after that right my my dad like advise him to get this insurance policy lah then his like wife


her condition got worse then she got admitted at the hospital right her her bill was like I don't know hundred and fifty thousand or something, then end up like the the insurance covered everything so I think in a way like financial planning is not only for investment is like to safeguard your like your future expenses also lah


yeah, , actually you kinda answered all the okay what advice would you give someone in order to retire comfortably


uh before marriage like it just as usual lah but I think after marriage like you don't know what will happen like you know you have no clue like what kind of family you'll be in then


what your husband is earning so I think like that one is like you need real life experience to to learn stuff yeah, uh ya you you want to plan what you know is is like depends on like the family what


no of course of course I will go then you study for what, , oh wait wait ya eh it's same as her same as her


[oh] (ppo) ya I press the red button [ah]


part three negative experience, okay so when I was ya when I was talking about golden village right why I don't like their popcorn right it's because it's like very the popcorn is very dry


it's like you know when you leave like outside for very long, then it becomes like very dry, ya then every time every time I buy their popcorn right I experience that so I hate golden village , yeah


!yay! okay okay I I okay we go ya we go buy we we go to both the theater then you then you know, yeah


ya uh for restaurant right you know you know the newly opened the ohana by adam's corner, ya so uh when they like when they just opened the shop right then like they had this like marketing people right they they came like door to door ya they came house to house and sell the they want to sell the voucher pack right


ya then then ya then they like they talk until like it's like so attractive right they make you want to buy then and then right my father say no no no no this one you cannot use one like, like a bit useless one they just trying to like , take money from you then we never buy lah but then my friend bought it then she like say eh you all want to go


to uh ohana because I got vouchers then we can claim that uh then we were like okay lah why not then we went there right end up like all the like all the things in the voucher right is like you would need to like spend minimum like this amount to, to buy or is then then it's like you need to buy this to get this you need to buy like this whole set to get that side dish


yeah then it's a I feel like it's a scam lah, then the voucher is like thirty dollars eh then you will spend for nothing, but actually but honestly the food was nice, but the voucher is a bit wasted


like you just go there yeah, the buffalo wings is damn nice, yeah yeah


, uh one time my uncle right he okay uh he has a business in malaysia lah so he just live there then uh when he wanted when he was


like after work right he was in his car like, at the side of the road then you know like those roadside like sellers right they just like you know they come like near your car then they like promote all the things right then this guy right he like force my uncle to like buy the phone lah then he like say this lah that lah then he did it just like


make my uncle buy the phone then when my my uncle pay the pay the money right, I think like I don't know how he like scam lah but the okay when he was promoting the phone, the phone like can on and everything the phone was perfectly perfectly alright but then when he gave my uncle the phone right the phone was a fake phone like he cannot even on the phone is like the demo set or something eh then I think ah is like when when he take the money right then he counting the money then he just like


put in his pocket right then he take the fake phone then give my uncle , ya they scam ya that one that one is damn funny eh , then it just like scold him like who ask you to go and buy phone at roadside all


, , but uh I kind of sometimes okay I like to go to malaysia for the food but I also like, I scared to go out alone because


there's a lot of theft and all, got one time right my other uncle right he was at the he was at the immigration eh okay so okay this is a damn funny story so he was at the immigration right then he went to the toilet then this guy okay this guy right he like follow my uncle right then you know when you go to the toilet then sometimes you hang your pants or something then right he


take the he take like the the phone the wallet all eh like I don't know how he take from the toilet ah he just like take and run away eh he took the whole pants right then he take the everything then he just run away then he just like drop the pants like outside the door then I'm like what then


yeah , ya it's very funny it's very funny then my other uncle had to like help him take the pants , yeah , ,


ya then ya so malaysia like have all like like the weird weird ya theft story lah , so so I scared of malaysia then every time right they they every time kidnap children all


ya they they ya malaysia they kidnap children a lot, got one time right I I heard that uh this parents right they went to the market then, they just left their child like they lock the door then they just left their child then went to the market right then the the person right like smash the car window then took the child eh


yeah, ya then they just kidnap the child then ask for money ya damn scary, so like if you go malaysia like you need to like take care of your belongings


which one, anytime fitness okay how much how much is it


uh narrow what


, ya my brother also wanted he he went to buy airpods in carousell, then he spend like two hundred and thirty dollars airpods pro like who sells airpods pro for two thirty right then end up right he like the person scam him lah then the money gone two hundred thirty dollars eh


then okay then like after a few months right the okay he report in at the police station then, uh they send like , a refund lah then it was only eleven dollars they they could only claim like eleven dollars from the person


, ya the ya very wasted, so like when you buy from like carousell these kind of places right you need you always need to check their reviews and all, like some people don't have any review ya then it's like they they they want to scam right then they obviously like their account would be like brand new so like there'll be no reviews then like you shouldn't like really buy from them lah because you don't know like whether they are their products are real or fake


oh okay oh ya uh you know you know credit card customer service right ya they also like !wah! very annoying eh every time every time you want to like enquire about your credit balance and all right


you have to spend like fifteen to twenty minutes like just to wait for the person to talk to you you know they will be they always put you on ya like every time my father do that right he no he like, he gets angry when he need to call the customer service because it will take super long yeah


yeah yeah (uh huh) (uh huh), then uh okay for like okay uh you know for okay comparing singtel with starhub right I feel like starhub service is way better


singtel right their internet is also like very slow then every time have disruption then now right we change to we change to starhub then there's like more channels and the internet is also very strong, yeah ya they have a lot of wait you using what


ya their internet service is no good like I was working from, home right after


after poly then uh like the internet service is really like, shitty yeah so I changed to starhub then now it's good, so don't go to singtel no and singtel


right they every time don't tell you your when your contract is ending they will just like lead you on you know when you like how to say okay let's say right you have your phone kay uh we had like a home line lah then after that you know when you when you want to buy a phone right they would they should only start your


phone contract right but they will start your home home contract plus your phone contract together so so it's like your home line right is never ending, yeah we we ya our home line was like so many years ago right then it just like literally just ended this year then we keep asking right they every time you call the customer service right they say oh we are not supposed to say


uh because okay let's okay my mother right she cannot like speak english, so I have to speak instead of her what, then then they will keep saying oh I need I need your mother to authorise I need I cannot tell you this then when my mother authorise right they will take like super long to say like they just really don't want to tell you when your contract is ending because


because you will terminate it then you will like go to another service provider what ya then if then for starhub now right I can just literally go inside my phone and check when my contract is ending, in yours in the singtel the you know the singtel app right they they don't show you when your contract is ending


ya ya no for like the home line lah for the eh the phone also they don't they don't say you have to like call them and oh ya they show the mobile data but they don't tell you when your contract is ending, yeah


(mmhmm) ya


, !wah! your your your mother really ya


uh my my brother my brother like only started poly this year lah then we ordered you know the school right they give you option to order from , like different brands, it's like a cheaper one lah ya they ya they will like subsidise your ya then he bought that he ordered the acer laptop then his okay so he ordered like at the start of his sem right


then like we were just waiting for like few a few months already you know then he only got you know at the end of his sem he only got like the laptop he got it like at the end of his first sem is like his sem his semester is like going to finish already is like I think like mid sem or like


towards the end already like he like had to finish like his all his project yeah, then no and then the delivery right it's only because like they, you know the how to say is it the forums, then they go and complain at the they go and complain at the acer website or something then like the parents were like you are testing my patience I'm going to complain to this bad


then after that yeah like a lot of parents like call them and scold them then they came and deliver, ya ya


part two positive experience,


uh I use like uh this, my dad recently bought this what is it the estee lauder you know the advanced repair, thingy right yeah that one is like, that one is quite nice lah like


because that one is like a night serum kind of thing so you apply at night then you just go to sleep then like your skin will feel like smoother and like more hydrated, yeah


ya ya ya it's quite good it's quite good, yeah, you know it's like everywhere got that advertisement eh on facebook also have youtube have, yeah


oh oh ya ya ya is I think is for acne or something right, okay


oh, uh okay you know the you know Jurong got A and W right I like the I like the cream cheese burger like it's actually like different from all the other burgers because


the cream cheese right gives the burger like a totally different taste no it's like usually no if I've never went to a restaurant right then order burger where got cream cheese, , yeah, no you got you got you got try you got try or not


the the the cream cheese chicken burger yeah, it's damn nice go go go there and buy, ya okay !huh!


no got uh they open a new one at #ang mo kio# also, okay we go there lah we go there ,


wait you mean bali thai, is it, you are going there again, why you don't like ah


no but the thing the topic here is positive product review eh you talking about you talking about negative


which one which one where oh okay okay


(hmm)


uh wait ah I think eh I forgot the


okay I went like for to this like I think it's this chinese like noodle place lah for my birthday the food is actually like damn good I tried it for the I tried chinese cuisine for the first time there the their beef noodle is like super good it's like near wait ah


don't know sia , no it's like nearby only near near Serangoon road I tell you the place later ya it's damn good yeah their their chicken their their fried chicken also damn good


!wah! you got diet all ah


wait what what do they mean by oh education and training is like laptops and educational stuff right


oh


I don't really go to I never go to like tuition centres is like no I only went tuition right like during my PSLE year and O level, ya because like I like I think those are like the important years lah like otherwise


I'm okay but then they will send my brother to tuition like every year because he he always don't study at home ya , consumer electronics


yeah tuition is just like to help you to like to motivate you to study because if you if you can study, yeah, it's like if like the, if you can study you can really study one like you no need tuition


like unless you got like questions then you just ask your like school teacher lah, yeah, eh wait for, for leisure and entertainment right I like I like to go I like to go cathay like rather than golden village because their popcorn right


wait wait okay I thought about the cathay popcorn the cathay popcorn right it's like really good compared to golden village so I like to go there then like I think their theatres also like better lah, yeah


no no eh you leave it no no eh this one you leave it, for like the next part eh that's why I don't want to talk about that man ya so the cathay right the popcorn is like yeah shaw actually shaw also quite good but I think cathay is the best


ya, no I don't like GV


no got got different one like I got go to the Kallang one I forgot the name then my house near here got you know the civil service club ya they got bowling there also but okay never mind I want to talk about it in the next


part


for samsung right like okay why I like why I buy samsung right it's because you know if like you want to download stuff right like urgently you can just download anything one then for music right you can just like easily download the music you want like instead of like


go into your iTunes and like downloading all that so like that's the thing I like about samsung but , but actually now right I kind of want to buy iPhone because, it looks, uh it's like it's like more no it's like it looks sleek lah but I think now the camera quality like the same already then my battery right


I I can I charge one time it lasts for like one whole day eh, so I think samsung yeah samsung is good already like my last phone it was the eight plus right the the battery also very good, but yeah


but I think now , uh


I like I like Apple because of their you know the background the blur right, it's like very accurate it's like more accurate than the samsung one, yeah, so but actually now like both of them at the same level already lah but I want to try


I got try Apple before but it's like so many years already so I want to try Apple again so I'm just waiting, for the the iPhone twelve yeah , oh ya can


ya I also got go to Langkawi before right the okay, the thing I like the most there right ya the thing I like the most is the island hopping that one the boat right right is like super fun then then like the person right even like let us ride the boat ourself like in the middle of the sea ya then it's like very fun then we went to the bat cave


that one was quite fun also, uh the food , thes the food right the seafood there is quite nice it's very nice ya, thailand no


uh then uh, actually I like to go to malaysia also because like, more like, most of my family members are there so I just like for every holiday I go there right


I feel like the food there is like better than singapore because, no I feel like ya actually true lah the food there is actually damn nice and here right the the thing is like , every time you want to go out with your friends right you need to like find for like good food then it need to be Halal also but if you go there right like all the food is like actually Halal so you can just eat anywhere you want


ya you no need to ya you no need to spend time like like search ya like searching for whether the food is Halal or not, yeah ya ya ya


ya then I feel like their food is like more spicy than singapore food and I like spicy food so ya, sorry what


, ya you all talk about property or not , !eww! which one do you like


uh for me right I like I like liho the most because okay I like their


the #gula melaka# avocado it's super good then if because Koi Koi right I feel like koi and Gongcha right they kind of like taste the same like compared to liho because liho their


their wait their choices are like very different from other bubble tea, it's like more healthier also


, (mmhmm)


part one finance


alright sure so like, uh if one should own a credit card there is two sides to it uh one can one can own a credit card because they may not have like, cause if they didn't get their pay yet they can always use the credit card to swipe it first and then pay for it later but then


uh, ya so but then there is also a risk like cause uh my dad's friend he owns like five to seven credit cards I think and then he, just continue swiping it and then he also gambled using it so he went into like super a lot of losses


so there is pros and cons to owning a credit card, (mmhmm) (mmhmm) ya ya


like credit card is also very good cause like you know it allows you to pay online like especially for like some, like credit cards, unlike some debit cards, it works internationally also so it's like you can pay when you're like holidaying or something you can also use it to pay so it's like life is very easy ah you no need to carry cash every time


ya but like very risky, very risky cause like you know you don't know how much you're spending you can just continue spending a lot then like at the end of the month when the bill comes then like


super Ex like super high amount, yeah, ya so like this leads us to the next question do you have the habit of saving and how do you ensure you meet your saving goals


so for habit of saving it's like uh every month like cause I work part time uh so you when I get my pay at the end of the month I will just calculate my entire pay and then like cause it's on a daily basis so I'll just calculate the entire pay and then I'll set aside the


like twenty percent of it and I will just deposit inside my bank so that I don't use the money in my bank then I will have another bank account, so like for UOB I will deposit the money and use it for savings and then for DBS I will I will deposit the rest of the money and then I will use it to spend so the money in UOB I won't use it that much


yeah


ya that's why, then how do you ensure you meet your saving goals so it's like uh so for like one year uh since I'm working part time uh I just calculated like my estimated, savings like how estimated pay first and then I just take twenty percent of it and then that's like my goal for like one year and then uh I think it's better to keep your saving goals like


but rather than a long period cause like you know there's like many situations where you can't really ensure so it's better if you keep your time short, so like one year then I will just keep like twenty percent to my UOB account so it's like I just don't touch the account or anything


, CPF contribution so it's like uh at first when I started working when I was after O levels when I was sixteen I didn't really know about the CPF contribution thing so like my pay per hour was seven dollars then suddenly when I got my pay at the end of the month I was like


oh my god why so little then I was like !huh! then I go and ask my mum then my mum was like oh every singaporean who gets their pay must contribute to CPF, so I was like oh no then I went to read like, cause uh, as much as I know singaporeans don't like CPF so I wanted to go and read up about what CPF is actually then while I was reading then like I got to know what is CPF ah so CPF is like it's quite good cause


it allows you to save up for your future especially when you like have no time I mean like no time to think about your spending spendings and savings it just automatically uh like, non consciously allows you to save up for your future


like your retirement plan then it also I think it helps for your when you buy a house or like, big big things ah in singapore, yeah


but like okay ah maybe sometimes it can be useful cause like it helps people who are like especially like the lower lower income and like the middle class groups it helps them to like like unconsciously save for their like like you know when you buy a house or something you just like just use your CPF to buy or what


even though there is like a limit to how much you can use your CPF, you can still use your CPF to buy but then like I don't know much about the the thing like you know there is a minimum requirement sum for your CPF to reach before you take out the


pay for you


no no no as in like the one I'm saying is like you know when you reach fifty five or something you should have like in this amount so that you can take out all your money or something like that but then like I know like singaporeans are against it but I don't know for uh what, reason ah do you know about it


all your ordinary oh okay,


oh ya then what's the retirement account used for, oh


!huh! then it's like is so it's like if you die at fifty six years old then you only get one year of the money , okay then how do you spend your money which expenditure is justified and what have you been spending too much on okay for me what I spend my money is basically okay I don't I'm just like eighteen or like I'm I'm


turning nineteen so it's like what I spend my money is like clothes, then, uh gadgets like , ya electronics ah then makeup so which expenditure is justified okay uh maybe the ones I get like necessary stuff like my phone like like maybe airpods cause it's a relaxation


maybe the ones which is not justified will be like the excessive clothes I've been buying and like the expensive makeup products I've been buying and then like, ya so recently I've been spending too much on like clothes and uh like


uh watch, ya watch I've been getting too much watches which uh recently,


oh grab right oh , but like


what I spend what I don't find it justified is like when I'm very lazy then I it's like two PM then I very lazy then I lazy to go out buy food so I just grab the food home so it's like so wasted ah like you paying for like like


it will be like damn short distance it's like, two kilometres away but then I will still grab food home so it's like so wasted, what advice would you give someone to get him or her out of debt


I think I will just tell him not to do unnecessary expenditure, like first save and get ya like get out from the debt first before you like think of an uh spending on anything else cause I I think it will increase like debt like interest will add on and then it will just keep increasing the longer you take to pay


then for like the next question how do you manage your cash flow how much of the income is allocated to saving expenses insurance and investment I'm just nineteen I haven't started investing yet but then like, uh I've honestly after like I just started my undergrad in finance so it's like I won't I won't tend to invest in the future even if I have money cause it's like


like honestly like okay based on what I learned if the economy is very efficient then it's like whatever returns you get is whatever you put in so it's basically like a savings instead of you get additional money from it so it's


like quite wasted and especially in singapore cause the economy is very efficient uh unless you are like super lucky you won't get like extra money, yeah


!wah! invest in gold !wah!


then after that, you want to go next question , no no no ya lah next question on the slide uh


what strategies would you recommend to someone planning for their big ticket expenditures starting a family buying a car or a house, uh I would say like


cause my uncle he just bought a house but then for me it was different okay so it's like, uh for me when my parents bought a house they, uh bought the house but then they didn't really like renovate and like uh customise it to themselves before they before we moved in so I like so like for big ticket expenditures like buying a house I would say like save up more than enough or whatever you're you're


save up more than enough for whatever you're, planning to spend on first so that like you know when you spend on a house you just, do everything before you move in like don't run uh out of money before you do something and then also have like a surplus like after you spend don't be don't like go bankrupt you just like have extra money yeah


then then you buy right then you will just keep it then after that when he get married right he will just tell do thing like for him to like


yeah yeah ya true eh !wah! investing on gold I should plan for my future


uh next question, , I think we can do like one more question, uh, do I DIY or get a financial adviser to plan my


plan my finances okay I, yeah !wah!


oh ya at I I mean like it's useful if you have like a business or something while about like family I don't think it's needed unless you have like millions of dollars in your account , , or like I don't think it's necessary for like family you just like and you just plan


oh my god oh damn


okay then we can do like one more question what's one, okay okay, no no we do the next question very cool how do you manage your financial commitments before and after the marriage uh before the marriage you are independent you are like alone so like you have like one family to take care of like when just your own like the family you were born in so like


but after marriage is like you have two you have like three families to take care of you and your husband like together like your husband's family your family and then your you and your husband at like husband and wife like your own family lah so it's like you have to be really tight on your


okay unless you earn a lot uh for like big ticket expenditures you can like spend ah but like if you are like middle class you have to like really plan uh and then like ya


before before marriage you won't plan everything meh


, ya but like before the marriage you must plan whether the family will allow you to go for work and all that or like,


we don't stop right, press


part three negative experience, for like negative review, oh honestly like I don't really find a difference in the popcorn


I like too engrossed in the movie then I just eat the popcorn , okay okay then for like uh for like holiday right, so like when I went to Krabi I'd we of my none of my family members have ya or friends have gone to Krabi that time before


so it's like when we went there uh the driver who picked us up he like he said oh you all want to like have a like a tour package then we're like oh okay nice sure, then he brought us to like a Atas tour package then we like spend so much like, the same tour package we spent like I think hundred singapore dollars more for each person then like after that we went to our back we went back to our hotel then like at night we went for like street shopping then like on the streets right every corner has like a


a place where you can book a tour package and it's like so so much cheaper so it's like we really like got cheated cause it's like the driver I think gets commission from the tour agency if he like brings tour guide tourists there to like you know buy the tour package


so it's like maybe you should like you know ask your family and friends if they have gone there before,


house to house right ya yeah ya ya ya ya,


oh my god, oh my god


oh shit oh, techniques when you open a shop to make people come to the shop, to eat


ya so like one experience for like, carousell my mum bought a second hand phone then like you know she bought the phone and then like the the person ask her to pay a deposit so it's like after she pay the deposit I think it was three hundred dollar so after she paid the deposit right


uh my my mum told my sister to go and collect at MRT station but then like my sister went there and then like no one turned up so it's like it it was like a fraud case ah so my mum went to complain to the police then like, uh the police they don't really take any action cause it's like you know cause


this was like I think four to five years back then it's like you know the police like they really can't trace it cause you know now only like carousell has all the verification stuff, like that time got nothing so it's like sad lah you lose money


oh my god oh my god, oh shit


oh shit oh my god,


, !huh! !huh! , what ,


, imagine imagine he never give the pants ,


what


what what the what even !wah!


like I heard like when I went to, like, uh europe the the good thing okay , like they said they have a lot of theft so they like put up posters like everywhere saying like oh beware of pickpockets beware of pickpockets so I think malaysia can follow that


then like , for, , uh okay for like gym right uh so my it my my aunt like bought a gym membership like the new


what uh what's the new one, uh, fitness everywhere ah fitness everywhere fitness , anytime fitness yes ya so she bought the cause like #geylang bahru# got new one so she bought the gym membership


then like let's say oh you know can like you know if you stop using you can like transfer it to someone else so like she bought it, so like the memberships fees was seventy five dollars then there's this key thing like since the gym is open twenty four hours then like there won't be staff to maintain the gym after ten PM or nine PM so you can just use the key to go in like tap in so the key is eighty five dollars


then after that yeah, then after that like she like three months she never go ah like at like she went once then like she never go after that so she transfer to another person then she asked if she can claim back the money from the other person uh for her key fees since she's just like passing her keys to the person


then like the person say oh you can't like claim back the fees for the key from the other person cause like you bought the key like it's like you can only transfer and then like the next month uh next month, payment will be made by the other person, but then you can't claim the keys money from the person so you like actually you have a loss ah but then like they don't tell you about the loss when you're signing up for the gym membership


it's like a bad experience, oh ya next one for the electronic device then like like the same aunt so like on facebook right there's this like guy who sells like


airpods for like two for one hundred and thirty dollar so like, like when we he uh he cause like I and my dad my dad is working from home so I also study from home so she ask the person to deliver it to us so the the cash was upon delivery


so after he delivered it to us he said we can't open the package cause they are like delivery people so after they get the money then only you can open the package, then we like so hesitant ah cause it's like who gives like airpods the new gen three for like hundred and thirty dollar then like when after we took the airpods then we open and see it was like legit apple airpods like you know fully packed and wrapped


then after that like uh we test for like, so it was for my aunt so after my aunt came back she like unwrap the entire box and then she tested then actually those, boxes are like defected pieces from apple so they are selling it for cheaper rates so like we only knew it cause like you know the noise cancellation new feature it didn't work on the airpods like so it was like okay ah you got you got a new airpods for like hundred and thirty


, (mmhmm)


!wah! oh man


ya and like check if they are verified ya ya ya,


bad dining experience ya like bali thai just now then we can also okay like, customer service uh, okay I really hate it when like you know customer service people they don't pick up the call like you know I I go for motorbike lessons so it's like I didn't really know about this so I had to call the person and ask


then like the one I go to is at Ubi so like they didn't really pick up the call so many times after calling them so I called the one at uh I called the one at, I think, #bukit batok# so then they pick up the call and then they answered me so it's like it it turns negative whenever they don't even pick up the call at


all yeah


!aiyo!


and then it like it's so irritating especially when you're like you know call them and then they say press one for english then the next one press two for this then press three for this then press four for this and that's so irritating,


oh really oh I never use singtel before but like but I heard they got they they got sued for uh I mean not sued they got fined like recently cause like everyone working from home then the government sue them cause their internet service no good


, oh ya ya ya ya eh, ya


, oh ya ya ya ya


, , oh really do they even show the mobile data


they don't show the mobile data, oh oh !aiyo!, like recently I also like my dad bought a fridge for the house then like you know the fridge got this like new LED like


screen then you know got this like , thing to take out like a transparent paper so it's like you know like families asian families we don't really like you know to keep it new we don't take out the thing, so it's like so we kept it there lah then after like three months like like two weeks ago like you know my so like we we took it out then like when we took out right the silver screen like came out with it


so it's like, so we got like super shocked ah then after that we call samsung so like the fridge was from samsung then samsung then they told us oh it's like we told them it's a cosmetic damage it's like the damage is, from the fridge like we we didn't do anything it's just we peel out and then it just came out then after that they say oh we can't change for you cause like uh cause it's like uh we we have like two year warranty but then they say oh it doesn't fall under the warranty


then my mum told them like, oh uh if like that right I'm going to like post it on facebook and like, she posted it on facebook on the samsung's page and then she also wrote to like the samsung's CEO office or something like that like she's so uh she like I don't know lah


like ya so like she wrote there and then like eh it's a super big fridge eh I think she they bought it for like three thousand dollar then after that night the samsung CEO office they called my mum and then they were like oh my apologies cause my mum she posted it publicly on facebook what


so they commented on her oh we will get back to you immediately after this oh we will do all the like replacement for you, so like, they called my mum so then they say oh tomorrow monday they are coming to change the LED screen for us that's like you know the customer service is like is like they don't want to acknowledge their own mistake


so it was quite a bad experience


laptops is it laptop ya ya ah, ,


oh !wah! that's such a fast delivery


, I, think posting on their social media works ah


part two positive experience, okay for like positive experience


uh , personal care and cosmetics I like gave up using like all the all the like major brand, companies ah I think I resorted to like


uh using like home, traditional kind of things like whatever my grandma does like you know cause I had pimples last time then I used to use like l'oreal l'oreal's, uh things and like himalaya products then like I didn't really like it uh maybe some of the products also like worsen the condition so it's like I just resorted to using like home traditional ones


oh it works it works


yeah, oh, oh I buy from like you know the home like you know those people who sell the home traditional ones like you know the myanmar or thailand


or philippines they sell this like yellow thing they always apply with yellow thing so I buy that, yeah ah ya it works quite well then, okay the next one will be food okay maybe we can talk more about this food okay for like fast food restaurants I think like no matter what they still maintain the quality


like McDonald's like once you taste like a different kind of fries and like mcdonald's fries you can immediately identify, which one is McDonald's fries cause it's like it maintain their quality so it's like really good but like uh maybe like other restaurants that are not really well established yet


uh, uh it depends on their mood lah whether they can give us good food or not ,


ah really, uh try what the A and W one oh


only A and W have right only A and W, eh wait only jewel have A and W is it, oh then maybe like


, then, like for restaurants right okay like bali thai at NEX I went there like okay like three years ago then like the food was super super good like the mango sticky rice and the the the hotplate tofu I think ya it was like


super duper good then after that like uh one year later I think for my birthday I went, there again cause the food was so good then it's like the food tasted so gross like we we usually order as a bulk like for my family lah so it's like we regretted ordering the dishes as a bulk like in say we should have just ordered like one plate first


and then try so it's like, so regretful I'm not going there again anymore, yeah, no not going there again no like the food like no quality already eh


oh ya okay okay okay kay kay oh ya ya ya okay positive okay so positive right, uh one restaurant I will always go is the one at city square central thai I think that's the name it's like the like the


service is damn good then the like the, the people serving us is very really really good and then the people who like the way we order is also really good like very efficient we just use the iPad to order so it's like we don't need to like


tell our order to a human person like cause you know sometimes like they miss out our order so like when we use the electronic gadget it's like much much easier and we can see what we are ordering and we can see the quantity and then we can even like customise it like you know like remove seafood or something like that yeah


then after that like (hmm) central thai city square ya then it's like uh the, desserts were also damn good so like uh when we went there I think they had this like offer like you know if you go and follow their facebook page or instagram page they will give you a free dessert then it's like yeah so like you know free stuff hit they attract people by using that


and then like, the ya like you know the customer service attracts you the most honestly for me then like the quality also of the food every time you go there it must be like the same quality if it changes I really don't like it like, it cannot be like depends on their mood cause like if you like it then you go there and then you waste your time going there and then you regret your cause it's like my family we usually go out for like


uh we usually go to like big restaurants for like huge like, uh main events like birthdays or something so if like the food is not good it really uh like I mean if the food is really good you your stomach is really satisfied and your family is satisfied


!wah! really ah okay okay then for, okay okay after I after my diet I go there , uh uh yeah then for sports and fitness okay like honestly like for sports and fitness like shoes and stuff I will usually prefer going to like the branded stores ah cause like it last longer mah cause


okay oh ya so it's like since it like you know once it catches your heart and then like the design also like for me the design must like I must really like, like, uh if I regret not buying after I come out of the store then I will definitely get it cause I don't want to have like regrets so it's like uh for sports Nike Adidas


Puma and it's like those are the ones I will go to ah yeah,


ya maybe like centres also ah like tuition centres, so like uh primary school I think I went to stalford I think the experience was really good like the tutors were like really dedicating their time so it's like even if you like text them at like two AM


they will reply you with like the answer and they will guide you through so it's like yeah,


, ya I think tuition is only for like those who got no self discipline


but like you go tuition also you must come back and study if not like the tuition is so useless,


school teacher ya ah then okay let's go to the next topic uh consumer electronics I can get


golden village the seating the chair more comfortable and like the cinema more more, eh golden village the cinema like very high quality


okay okay, then, the


no I think GV is the best, eh, GV the cinema theater like very Atas like you know like you get the cinema experience there but cathay the I think the seating is the problem ah ya


then for leisure and entertainment I also go like bowling bowling honestly singapore like I think they are all under one association or something maybe I think like everything in like you know the #toa payoh# SAFRA


oh ya ya, honestly for like the bowling like


I like went to three different places before and I don't really find any difference like all their all their service is the same like cause we don't need to really interact with them what then like it's just you go there bowl with your friends and come back so it's like the service doesn't really have a difference


so it's like, a positive product review ya okay then like for consumer electronics, like gadgets, uh Apple is one thing I'll mention for sure like I've been using Apple ever, since, primary school maybe or like sec one like it really like okay for samsung right uh okay compared to other gadgets Apple's battery life is really really pretty good


like my mum has been using her iPhone six for like six years already I think or like five years, so it's like, really really really good and then like you know Apple when it like uh have its new software updates it gives it to its all its phones that it has


it has invented so it's like none of the phones are lacking behind so like the new IOS fourteen it gave it to like all the way until back to iPhone eight, yeah


eh later later ya, , all samsung


ya, but like you know one thing I like about samsung is cause like the camera it like hides all your your face uh like it make it it it makes your face looks smoother unlike Apple that shows off everything that's on your face yeah


oh oh ya oh iPhone twelve


!wah! rich I think I will go uh kay you want to go next topic, so like okay travel and tourism I never really had a bad experience travelling before it was like all all, like super good cause it's like everything for like


relaxation so we really don't go there like think so much before we spend cause it like you just go there and spend your main purpose is to spend all your savings there so it's like uh we went to Langkawi, like a lot of places so it's like like the people there are really really good and like the service provided there it's like even though is like not really developed compared to its a it's more of a tourist location rather than a


city place so it's like even though the people there are a bit outdated and stuff it's like they don't fail to give us the best service ah so it's like they are really nice, oh the mangrove resort tour right


ya , ya ya ya


the island hopping uh the one the country I ah ya the food the food, ya ya ya, yes you got go thailand before, ya I went thailand like the island hopping there is like the best like I went snorkelling there and like you know they provide you with all the materials and stuff so it's like


they don't really let you lag behind everyone and then like like Krabi is like a place for foreigners like western people so it's like as asians there you get to know about other cultures also then like uh one thing I got like ya then like the cause


in before you go to a holiday right you have to like ask your friends and family whether they got go there before and then like you know they will recommend you stuff and then like you know you can go there and try so it's like, this island hopping thing at Krabi was like one of the recommended things then like the food there was really really good like every shop almost had like the best


these food like you can find in like, everywhere


, ya ya ya true true true finding for Halal food right


like every shop there is Halal so you can just go in and, and like you know you feel your culture there also sometimes like homogeneous culture is also good sometimes multi racial culture is also good yeah, !wah!


next time you go out you just bring pepper with you then you just add and eat, uh nothing nothing then for specific okay you want to go to specific condition yes please bubble tea is like my favourite thing like


at least like once a week I must have it which one which ya I like I like Koi and Gong Cha but like price wise of course liho is better but then like taste wise Gong Cha and uh koi is my favourite I usually drink caramel milk tea


oh I I don't really go to liho cause like cause like I don't really have a fave flavour to drink there , like I usually drink caramel milk tea but then liho has like salted caramel which one that one I don't like so it's like you know sad then like pearls and toppings oh uh one thing I I don't take for bubble tea is like I don't add pearls


then the cup design it doesn't really matter but then maybe sometimes it matters cause like you know koi and bubble koi bubble tea has become so common that is like it's not really as outstanding as when you buy starbucks


like you know you when you buy starbucks you can like post on your instagram and stuff but like koi and bubble tea bubble tea is like so common now,


similar family family backgrounds so if uh you've said what, I wanted to say but, ya for me like personally like both of us our primary source of money is from the allowance of our parents like I don't have a part time job or anything even though I'm going into university right now like I I'm dependent on my parents for allowance of money and


recently the things that I spend money most on would probably be food or like probably uh, ya, food or any personal items and personal care stuff or anything that I need for my studies, uh or and I'm going out with my friends so like entertainment or leisure expenditure that would be my main source of like main uh allow main expenditure point and for me which expenditure is justified like sunita said it's anything that


I need immediately and especially for someone who doesn't own their own income and is dependent, on someone else for money uh dependent on, someone else's income it's important that we spend in a very uh, very discerning way you know you you make uh make sure that we only purchase things that we really need or really want and


I guess each person's needs and wants are justified differently so for someone with a greater allowance they hadn't they may their wants will seem more like needs for someone lesser money their needs are a bit more lesser but, I I think if I ultimately you just need to spend on things that not make sure that they can sustain you throughout and


ya I just feel that you also shouldn't be too lavish ya you shouldn't be to lavish or spend on anything unnecessary like sunita said like gaming pc's I mean that's if you don't really have the money it's just that you shouldn't spend out of your means you should just spend within whatever means whatever money that you're given and


for me personally what I've been spending too much on would, probably be ingredients or groceries cause recently I've been into into cooking and I think I've been spending too much on ingredients for that cooking I think I should spend, less on it


ya sure you want to pick, maybe we can choose about uh uh talk, about what strategies would someone recommend to someone planning their big ticket expenditure such as starting a family buying a car house et cetera


so for me personally I think, for someone who's wanting to plan something big who's wanting to take the next big move they should really plan ahead of time and planning's very very crucial to these kind of things you know you want to make sure that you have it set out and maybe


you you might want to plan it to make sure that you can uh finish this task or complete achieve this in the in the most efficient way such as probably spending the least amount of money for this you know, trying to like find any discounts or any like offers or any opportunities where you can spend lesser to get the same utility so it's very important to plan and you know you should decide on a budget you know to make sure once again that you that you don't spend out of your means you know you don't spend more than what you have so


it's very important that we set our parameters and you know we make sure we stay within those boundaries and we just spend whatever money we have and, you know it's also important and from the budget you can also start choosing then you know which products we need which products we don't really need you know which products we can kind of avoid buying or which products may you know fit with ya basically which products may fit within our budget so that's very important


and once you once you've planned and you made a budget up and you've kind of decided what things you want and you don't want, it would help if you you know you save up for it you know so it that's why I said that not just planning's important you've to plan ahead of time you have to start planning way ahead of time so you know you can start save okay I need this much of money so I know I need to start saving up from this much from my current salary or income level


so you save up and you know like okay so this is the amount I can save up so next the next step you take to uh, fulfill that remaining amount of money would be okay now I need to take a loan so how much money do I, uh for how much money do I take the loan you know which bank do I go to which bank has the lowest interest rate or you know which like how much money do do I save up and how much money do I take the loan for and you know can I like tap into my savings account you know how much money can I take into my savings account


how much money do I need to leave in my savings account in case I have anymore other big ticket expenditures you know and you know each each of these should like complement each other and you should, know how to plan all these three things put them together factor them in together to


make sure that you have the appropriate amount of funds to fund whatever house or car or or whatever that you need to buy


okay as in for you personally so


I'm uh, I'm still a uni going student so I don't really have much I don't even have much finances to start off with so it's all managed by my parents uh to reveal so for me if you if I wait uh need uh if I need to know how to plan my finances would mostly be


you know how to plan my expenses and you know if I if that any any small amount of incomes at I earn from here now for example that I even earn from this activity so , to manage that I don't really think that I need like a professional financial adviser cause it's not a huge amount of money huge sum of money that I need to even be income taxed for or anything it's just my expenses and and raise more amount of income that I get


so I think personally that I would just DIY it or the most is I would just approach my parents to get any advice from them because they probably know much better they have a steady flow of income and they thought they have many properties them probably many investment stocks and they are generally more knowledgeable and more experienced with these things so


but having said that I think it's very important for each one of us as an individual to, have a good idea of how to, a good, even if not a very good idea at least like a rough idea like you know how things operate you know how things work you know how how a bank account works you you know what kind of


things happen you know how to get a loan, you just want to have a rough idea of how these things work and you also want to have an idea of what your, like working towards like you know you want to save this much or you want to, uh earn this much uh you want to like track you want to go and invest the whatever small amount of money you have into stocks want to do trading or anything like that I think it's very important that you get some advice before you jump into anything


I'm it's good that you want to try to grow your expenses or you want to handle your finance in a, be it it it's good that you want to you are taking the initiative to handle it but it's very also very important that you know you don't take any hasty decisions you don't regret any decisions you you you don't go at last


it's very important that you get the advice if possible definitely professional advice would be the best but even if not for professional advice or whatever small step you're taking, it's good that you consult someone any elders or any any family friends that you know who have any experience in this so you can make a more informed decision and you don't lose out you know and


also having said that it's very very important to pay attention to your finances and you know to handle them and, to have a good idea of where you stand you know how much balance do I have in my account or what do I want to do moving forward it's very important so that


so you you just have to be one step ahead and you know think it uh think in a very uh advanced way just make sure that you're not you're not scrambling for money in the last minute or you you know the last minute you're like oh no where did all the money oh uh, you know you just want to have be constantly on the lookout for your finance


okay how about what advice would you give to someone in order to retire comfortably, what advice would you give to someone in order to retire comfortably


actually agree with everything that you said, there's this recurring theme of you know starting early like you know you thinking ahead of time and being very advance so that's very recurring theme in personal finance and ya, I I can't agree more that you know if you want to retire comfortably you definitely have start planning in fact from the moment you work you know you'll know how much to save so that you know because in a uh in a very like elderly if you don't know there are so many complications you and it to uh suffice to say you can't you know always be


depending on your kids or your grand kids assuming that you have a kids or grand kids at a old age, so it's very important that you're very self self sustaining and independent in your finances and that you know you have to like start saving up since young ya


ya I agree I agree you know I think everyone faces that common problem of like touting you know like I faced a lot of that in, not in insurance but like in spas or salons wherever I go you know they will tout as you know like oh you should get this product oh like I go to get my hair cut or some something's done to me oh you should get this product you should get that product you should get this package or


you know you should like uh err so you know it's like make us come back again or you know make us like spend even more money, like uh from we I mean you already spent a lot of money for whatever purpose you came for and on top of that they want us to like spend even more, which is honestly very like annoying like like you've ya I've I uh really empathise and understand you know you don't want to


come off as rude or anything but you know you just don't don't want it but you don't not but they keep on insisting and like touting and you don't know like after a certain point you don't know how to deny it in but also the same time not sound rude, so that really puts us both in a very like two difficult positions so you know why like put on it put us in such a position you know like when I say I don't want it I just don't want it you know


like don't like try to force me or anything and then or uh but on the other hand sometimes you know you're like oh shit I feel bad and then you just end up getting the product which is, also in the end, falls on me because I had to spend extra money so that's kind of a


very common problem that all of us face and I've also faced it as well , and in terms of food ya I've like I've I mean I'm very I'm a foodie so I'm very adventurous but ya so at certain times you know like you know I don't want to order the same regular thing again you know I want to explore I want to get something new on the menu some new item sometimes it's uh it's on me because you know like I want to venture out sometimes


I'd like it sometimes you know you may not really like it cause it's not within your usual taste or you didn't really expect it to taste, such a way but there are sometimes when you know like you order something and you get something else totally like it's not like how it is in the photo or you know, it's like a very small quantity like you paid like probably uh fifteen dollars for it but you you get you get in a very small quantity than that at that times it can be very disappointing you know !hey! it doesn't look in the photo or or sometimes you know I go to same restaurant order the same thing but it doesn't taste like how it tasted the last time so the the quality change so I have


kind of had a lot of negative experiences with food even though I've had equally positive experiences I uh I've had a lot of like negative experiences with food and , in terms of, telco uh I've actually like most of us face I've also had a negative experience actually it was like


it was uh, actually my dad had it but I was also like a collateral, like I've also it was, part of the issue so basically the wi-fi in our house like like the peak of uh the pandemic peak of COVID when we were in uh under phase one circuit breaker uh there was at certain point when our wi-fi wasn't working properly like it'll be very erratic like you know you you couldn't load videos or


like you know when I'm scrolling through instagram suddenly some posts wouldn't start loading so you know I had to switch of my wi-fi and load it in my data for awhile and then switch it switch the wi-fi back on for it to start working and with this we actually have two wi-fi network in our house so both of them are in a starhub actually and they weren't really functioning properly you know you have like switch networks or


it was very troublesome and I was initially was thinking oh is it just my phone it is just my devices then my one day my dad brought up he's like !hey! is it just my device or is everyone's device like that then I was like ya actually ya my device has also been very erratic recently, so my dad actually called up starhub you know he's like !hey! my wi-fi is not working you know it's very erratic and


I I'm not actually sure if it's problem with our modem or our router like it's problems on our side or it's because problem from their side of because you know during circuit breaker the traffic's probably very high network traffic like everyone's at home everyone's working from home everyone's using the internet everyone using more of the internet from their home so


it could be of traffic but uh until date we don't know what the exact issue was so, my dad call them up and then you know they try to do the regular check that you know because of lock down you know they're trying to minimize sending people out to uh outside to uh people's homes so technicians out so they try to direct my dad from from their side you know on the phone you know like they'll try like you know uh guide him to a step by step process to make sure the the router was


uh connected the modem was connected and everything but ya that happened and then my dad was like ya it's all connected was all fine my dad try to like fine tune everything try to from based on what they guided, but still it did not really work so my dad called multiple times and then they tried different things uh or I'm not exactly sure they tried but they actually apparently they tried different thing but none really work


my and my dad incessantly kept calling them every two days every three days because it will initially be okay but then after that will like go back again so then they were okay you know what you if you we'll just send our technicians down and then they send them down send them down they did a huge testing with their own laptops and then they replaced our modems routers everything


and it still didn't work so they had to come down like three four times before I don't know if it got resolved on it's own or it's because the time they came down it got resolved but, you know like we're all at home you know my my parents are working from home, I'm having online classes or even for entertainment you know we're all using wi-fi because there's six of us at home we're all depend very very dependent on wi-fi so we because we all have our own work to do and own things to watch so it was very very troublesome with the very erratic internet but


and, ya and all the more it took very very long it was like it took about a month or so before the wi-fi was up again and back to normal so until date we don't know what the exact issue was so it was kind of frustrating at that point you know but I'm also not sure if there's anything they could have done about it because


better about it because you know they tried coming down and doing it I don't know if it's so I, I'm not really sure but ya that was kind of a very frustrating thing


as in okay so ya I really agree this part of our like being catfish is I, mean it's it's a very uh, a common problem that we all face you know and then sometimes it can be very like you feel very like you feel like fooled you feel like oh disappointed like you know like oh man like you know I I've been like


I've been, I had to spend more than what I was in for because like you know I agree with you that you feel that oh shit I probably I shouldn't even have like like looked at the page probably we should've started thinking about like even consider it just add and moved on to the next page or just like swiped it away you know like I shouldn't even have like started that thought process ya I really I really don't agree and


ya another, uh instead of catfishing also it's probably very common in like online purchases you know like , like me and my dad we really we purchase lot of things online like probably on shopee ezbuy lazada or maybe even like other like flagship online sites be it but


and the lazada and shopee and ezbuy are like probably the three most common platforms that me and my dad use cause you can virtually get about pretty much anything on those platforms even like branded things you can get it on those platforms they have like laz mall and all those kind of stuff so, you can pretty much get like anything under the sun in those three like web uh platforms and you know sometimes


the product you get delivered is not exactly the product photo that was on the website when you first ordered so that can be very disappointing you know like !hey! like uh this is not what I was in for this is not what I ordered but like, let's say like you know you like you get like you order like uh like I don't know a shoe or something but then what comes is like some miniature version of the shoe like and like I mean it it it sometimes it's like to you should also know how to see into the scams like sunita said you know like


if like a shoe if like those very like expensive looking high heels shoe is like five dollars you should know that you know, it it's either that it's not the size it is or the either the quality is like pretty bad that it's going that like the next ten times you use it, so like ya and then it it's important of people to be aware of you know what is too good to be true and what is like actually a pretty good deal


I mean I I agree I uh me and my dad have gotten like amazing like deals and we've gotten like a lot of things that are probably like ten dollars in a real life store for probably like three dollars or something so those kind of deals are like yes are are very good and I agree but there are some other like maybe like luxury item that you know you probably should know better not to buy online because like they're not


exactly like luxury quality item they're probably like fake defects or they're probably like like not authentic they're, ya that's another thing authenticity of products you know you had to make sure that the products are authentic they're from a trusted seller and it will those are kind of tell us of uh like sign that indicate you know what kind of what products you know you can like


like trust and buy and you know and what product like look a bit fishy like you can read through the reviews of the product the comments of like below the product to see that you know like like see other buyers who has similar experience to see whether they've had a good experience or not


positive the most recent uh positive experience that I've had


would be in terms of education training so recently I just got my driver's license and I think, the driving instructor there, played a very important part role in me getting my driver's license because ,


basically I'm not that uh good or very adept at driving cause especially I've not driven before and none of my family members own a car so I'm, uh kind of the first person in my family to learn how how to drive a, car so naturally I've not had any much interaction or experience in a car so I struggled more than others generally to like learn how to drive a car and that too I was learning how to drive a manual car to get a manual


manual driver license, so all the more I was struggling a lot with at it with it and in fact I went for over forty six lessons when the average lesson, is number, is only lesson counts is only like twenty five to thirty so I really struggled a lot and I think


there was this one or two, there's one main driving instructor who was very very helpful in me learning he was extremely very patient with me and uh you know he taught me very well and he was very nice and, he'll he was very calm and he was very friendly and he made he was most importantly he uh he was very good at teaching you know


he was uh he made sure that he answered all my questions no matter how many times I repeated each question and you know every lesson he would make sure that I learn something new and every lesson you know he made sure I walked away , , more confident every lesson and uh the way he taught me was also very efficient very effective and I learned a lot of things from him so I I think his teaching style was very good and I basically passed my driving test on the first try with only uh eight demerit points out of


uh the maximum twenty, to fail so I think from going from uh uh being very uh we are not like totally like zero at driving to like , uh coming so far I think would wouldn't have been possible without, him because uh initially I when I used to have other instructors I was very bad at driving I almost like knocked off a few cars so


uh I was very I was being a very hazardous, to the other road users, so the fact that you know halfway through my learning journey in driving he I came across him and you know he said to come, more recurrently for me and I really really improved drastically I really improved a lot


and his quality of teaching was just very amazing and I learned a lot from him and no matter how many mistakes I made he never really got angry at me and you know he always make like push me on I mean try kept trying and he was being very supportive of it and he even


congratulated me at the end of it and he said he had even tear that he was very proud of me for how much I've like, improve so that's a very very positive experience that uh I've had and I won't really forget for a very long time


as well so as for dining, uh just two weeks ago I went out with two of my, other friends to this korean barbecue place in scape so, there were some student offer or something so you know we decided why not we go give it a try and we've been wanting to eat like korean barbecue for some time so we went there and I must say that you know we did have quite a pleasant experience so it was just two weeks ago right so we were all wearing masks when going out so


they uh the first thing when you entered was they uh asks us to like stretch our hands and they applied hand sanitizer for us to you know make sure we are clean and then, the basically their customer service was very impeccable we just walked in and then you were handed like plastic covers then we asked oh what is this for then they were like oh this is for you to keep your masks in because you know when you fry the food out of the grill


the spice the oil all that tends to like get absorbed into the mask so you know they give you plastic covers to make sure you protect your mask and they don't get very greasy or dirty which was, uh something that no other restaurant really uh did so it was very unique and it was very very very pleasant thing uh to face when we walked in so we walked in and then we're directed to our table and they were very kind enough to switch on the stub and the hotpot stub as well as the grill and the smoking chambers for us and


since we're not uh since due due to COVID we're not allowed to walk to the buffet table to get our own needs so we they'll be well they'll they gave us a form where we can tick how many ever place on each kind of flavour meat we want and just give it to them and then they will just bring the plates to us


of with the meat on it so uh that was a more that was in fact more convenient for us so , and that but the problem with that is that you know you uh you don't really you can't really gauge properly how much of each meat or item you'd need so you just


put in a rough number and you you tend to put a very small number because you know you don't want to waste the food and you won't know how much they will give you in each plate so we put it we put in very small numbers then we gave it and then we got our meat and, you know initially you you were struggling we didn't really we weren't really familiar with the set up we didn't really know how to use it and one of staff members were very kind enough to you know come down and you know adjust the heat uh levels and you know adjust the grill and the stuff for us you know and like like show us you know how I supposed to do it and gave us like extra utensils to


uh you know teach uh make make it more convenient easy for us which was very nice, and you know uh like I said we uh fill in very uh small number so you know we finished the food and needed more, so like they were like you know don't worry you know it it uh you can get as many number papers you want so you can but it's okay so if you're not sure just fill in uh what whatever number you think you can finish eating if it's not enough you can uh get more papers from us we're more than willing to help you which is very extremely kind of them to say


and then so ya we've got more papers and then we filled in more and we gave it to them and, the staff was very smiley they were very nice they were making small talk and then you know like one of them even said that uh because we we were supposed to show our student ezlink card to get the student promotion and then one of the staff even said that oh uh


uh you look much more prettier in real life than in the photo and which was they were trying to make small talk and they were like to uh it was it was very pleasant was really nice, and they were very very uh quick you know every time they saw like empty plates stacking up at our table they were very quick to come and uh collect it and leave you know or they got saw any food remains they were very quick to come and you know clean it up take it out for us


which was very nice you know they would always approach us and be like oh do you need anything right now even if you didn't really need anything they just wanted they were just they just made sure that we felt very comfortable and then that we had whatever we needed and they were always at our beck and call so in case we need something we I we could just raise our hand and they'll be there and there


next moment so that was very nice and uh, on in the, sense of the food the food tasted very nice it was very it was it was nice it was definitely value for money especially since we got the student promotion so ya do you have any pleasant experiences in dining or maybe anything else


for a positive experience when I had while calling customer service, hotline, would probably be for, , I have two positive very short experiences for that so basically the first one would be when I rarely order uh food on apps so once I ordered on grab and


I think , they ran out of stock for one of the items uh so ingredients one of the item so they delivered a totally different uh item for that with uh like I think the same sauce but different veggies on it so and I wasn't expecting that as in I I the


it's not I don't like it but I really wanted the item that I originally ordered so I just when I I actually I did not know why they delivered a different uh, uh product then I called them up and then they said that's when they said that oh we ran out of stock so that's why we gave this vegetable instead and


then, I was not very satisfied but however I called grab up and then, uh and then I explained to them the situation that you know !hey! I ordered something but I got something else and, you know is there anything you can do about it because I not really fond of this I really want whatever I ordered then they were like I'm so sorry because since it's out of stock we can't really do anything about it


however we can refund due whatever money amount of money that that that specific item costs but you can just keep the food as well you know you don't need to return food as well but we'll just return you the money, and they were very quick about it you know the moment I put down the phone I check the app and the money was immediately transferred back to my account so that was very pleasant you know they were very quick and the moment I the moment I had an issue I complained to them they were very quick about it you know


they knew what was going on and they were very quick to respond basically which is very pleasant you know so that I can go back and eat my food, knowing that you know I got whatever refund that I want even though I didn't get the food I got the refund for that and I can, with just manage with whatever food I have remaining which was uh very nice because you know everyone wants a quick response nobody wants to you know oh if they said that oh you have to wait seven working days for a refund you know that will be like annoying you know why should I wait seven working days for my money to get back but for my money to be given out it's like very instant you know


but this was the the money was credited back very quickly so that's a good thing about grab even for any of my rides that I book or any food uh even for the ya any rides I book if that ride gets cancelled or something the money get immediately transferred back you know I don't have to wait like three or four days for it to come back so that's a very good thing about grab


and probably another one would be , whenever uh, I made a call to my dermatologist I'm seeing I've been recently seeing a new dermatologist, so I made a call to the clinic to book an appointment and, you know they were the very patient you know because I I'm still attending online classes on university even if I'm not going to campus I'm still in online classes so you know my schedules not that flexible you know so they were willing to you know


uh explain to me that you know uh you know what kind of uh problems that they were willing to ask what kind of problems I had and you know just to make sure that the dermatologist is competent enough to, uh solve my problems and then you know in regards to booking an appointment they were very patient explaining you know the doctors only available within these timings and


you know what timings are you free and then they were willing to wait on the line while I went and check and like cooperated with my university uh class schedule so they were very patient about it and they were very nice about it and they also send you know reminders like the day before the appointment that you know I have appointment this day to make sure that I confirm that I'm coming


and that was very nice I really like that customer service you know to remind me cause make sure I don't forget to come because you know usually the appointment you book it's like probably uh two weeks or a month from the time you book so you might tend to forget it so it was very nice of them to send reminders and be very generally be very patient and nice throughout the process you know how about you sunita


personal finance, good afternoon so my name is sunita it's radhakrishnan sunita and today be talking about, a few pointers on personal finance, so I guess I'll be starting off with the question on how do you spend your money and which expenditure is justified and what have you been spending too much on cause I feel like it's a good question to start a conversation on


so I guess for a teenager in today's world there are many things that I can spend things like spend my money on and some of the things would probably be essentials for school as a student who's going to university I feel like things like books stationery and


other things like uh food accommodation those are the kind of flak activities or necessities that will take up like most of your budget , so those are probably what a student would probably spend their money on and it's also what I tend to spend most of my money on


I guess uh expenditure that is justified would be anything that is a necessity for you to like engage in activities or to make your university life productive, so but I guess spending too much on things that are not really very essential or things that can hamper your savings a bit too much or basically anything that isn't exactly something that you need immediately is something that isn't really justified you know in that sense so I guess perhaps like


anything that you try and indulge on or like anything that isn't really a necessity right for example I don't know like maybe I guess it differs on people's priorities but I guess something would be like, for example a gaming PC maybe it's not really essential for you but it may be something that you want to indulge yourself in so maybe that's I guess something that I would say is maybe I guess the priorities still differ but it's something that you might be spending too much on in that sense


so ya I'll pass the time over to kauselya to like talk about her point of view


ya I think I agree with whatever kauselya said because I think I relate to her very much as a student from a university as well and I think quarantine really got to a lot of us and like a lot of us began cooking as like a side hobby and stuff, so naturally like things like baking and experimenting on cooking has naturally become like a part of our expenditure especially once quarantine started


so ya I guess I agree with a lot of things that she says, I guess like I also specifically agree with the fact that you like people's needs may differ and like their as students who rely a lot on their parents incomes I think it makes sense that different people have different priorities and different expanding habits but I guess


they should just try and ensure that what they're doing is best and is what is necessary for them ya, do you want to pick the next question, take the goal , just pick anything


ya I think I agree with a lot of things that you said because, I don't know like planning something like big or like planning for big ticket expenditures can be very difficult because it's like a huge sum of money so naturally like a lot of people will be very scared and everything especially when they're investing in something huge


they want to make sure that it's best for them and that it's not a small sum of money that you can just let to go to waste if you end up not wanting it so I guess it's like a very big decision for a lot of people I think that another thing is that especially


like now, that the internet is very like, prevalent and a lot of people have access to internet I think there are a lot of information is present everywhere and like you have accessibility to all of these information as long as you have like a working computer and like I don't know four g data or something


so I feel like people should really invest their time especially when they want to make like big ticket expenditures to make sure they're making the right decision in that sense because I feel like like what you said a lot of things like, investments and like looking out for loans and like finding out discounts are all very important because it can really help people save their money or like make sure they're making like the best possible decision they can make with regard to what they want


so on that note like I feel like people should really invest their time especially when the information is out there or at least take the first step to like move and make sure that they find out all information and make like a comprehensive decision because, I don't know personally I feel like it I'll feel very bad if I like lost out on something and then after I purchase a big ticket that I like item and then I go back to find that oh actually another place has like


like the same, kind of like I don't know furniture or like car or something at a lower price or something then I'll probably be very like sad or like I just would be very annoyed at my own self, especially when there is like something else out there so I think I would probably really want to make sure that I have the best idea of what I want and I have the best value for my money as well especially given that it's uh it involves a lot of expenditure on it


so I guess in that sense like what you said really makes a lot of sense and I guess probably like people can look into internet and make sure that they have a comprehensive idea of what they are, like falling into or what they are really pushing themselves into kind of thing, yup


ya I guess that's about it maybe , , okay how about the should I DIY or get a financial adviser to plan my income, ya so what do you think about whether you should


I guess we couldn't we can each talk about one one ask the other question so maybe you want to start off and talk about one side of it maybe


ya I I agree with a lot of things cause , I don't know like what you said like we're just uni students and we don't have like a legitimate income so it's very honestly it's quite embarrassing go to like a professional financial advisor and then we show them like the two the only like I don't know


three hundred dollars or something in our account and then ask them to like advices on how we plan our finances or something , but I guess like it makes sense also because if you have like a financial advisor with you and like you clarify like doubts or like you seek their help with regards to how you are supposed to manage it I think it's a good idea if you start from the young like from a young age because


then you have like a good idea and I guess you will tend to inculcate that culture in into yourself when you like know that there are certain things you can do to make sure that, you have like a good financial position in the future but then again like ya like since we're just students and we don't have like a specific income I guess it may not really stand very relevant to like our


that kind of situation right now because you can't really plan ahead of time with like a very small amount in my bank like I I have like so little money I don't really know what to like do with that so like I guess, probably at this age it's just like do it yourself in terms of managing your finances because I mean with a small amount of money that you have that's only just so much that you can do and like I mean I guess at this at this point in time we don't really have big things to worry about like family or like big ticket or investments because your parents are just like


providing with the pocket money and you just like spending of it and then it's just more of like micro management on like whatever you have it's just a small amount so you manage it with like a small set of like priorities like just stationery food accommodation going out with friends, I guess when it comes to bigger things like or managing your whole family investing in like certain property or like I guess just things that will begin in the future when you're older and then you begin working and then you have a larger sum of money to like handle and stuff so maybe it's more relevant to get


a financial adviser to plan finances in the future when you have like a greater sum of money and you really want to make sure that you are putting every dollar to like good use or like, to proper use and it can really get further or like go deeper for like your family and everything but I guess at this point in time maybe it's not


a good idea because you don't really have that much of finances and not a lot of priorities also, so I guess ya it's just mainly your age and your priorities and how you want to move ahead with how much money you have in, that sense


ya so what question do you want to do next, sorry wait do you mind repeating your question


oh ya to retire comfortably I think that retiring comfortably starts from a very young age like when you start , like when you start like working you know working already it's like it's like a good thing to like start


planning your finances when you start young because that would mean that you have a good idea about what your future is like and by time you come to retirement age it's like you know there's quite a number of things that's happening in your life where do you like you you'll probably have like a family you'll probably have a few people to take care of with your own finances


like maybe you like you may have kids to like take care of you may like you may have to like plan things together with your, partner or something and there's also other things that you might want to engage yourself in like for example you may have, things or like priorities to invest in certain items like a property or like a good


house that you want to live in so I guess to ensure that you want to retire comfortably you must begin at an early age to make sure you don't like spend lavishly because during your retirement age you don't really have like a specific income , so you should like make sure that you have enough to keep yourself comfortable for the rest of your life after in after like you retire as well so instead of like spending everything like at this point in time perhaps it's good to start at a young age and then every month you know for sure that


there's this there's going to be this time in your life where you don't have a income but you still have to like suit for your need and everything so perhaps and there's also the chances of, you know you being older and such having like more things to worry about like for example your health and everything perhaps that as you get older like things like


I don't know like health issues might arise so in that sense you should always be safe and you should have the the kind of like financial security that you won't really fall short of something or like you won't already you shouldn't really have the worry that you know you you have to rely on other people so in that sense perhaps it's great to like start


young and make sure you have enough for yourself as someone who won't really have an income in the future so I guess ya what about you what do you think


ya,


negative product review, okay , okay sure so the first question is about a negative experience with a customer service agent


over the phone for product or service so I think mine was to be honest with regards to insurance, like when I had a really bad experience because I think they were calling from uh I don't know like prudential or something honestly don't even know how they get the number you know that's the most annoying part like


I don't even know how they get the number it's like as though they just come up with some random number and call you up and confront you whether you want like insurance or something and I don't think it's just a prudential's issue I feel like a lot of insurance companies do it , so I'm like uh you can just you know just calm yourself down why you need to do it's so annoying because


they will just call up and then like question you about, so many things even when you are like not even relevant to getting the insurance and there's this lady who called me up from like I think some insurance company and then she was confronting me she was like oh you should take the insurance you should take it and then the whole time I was trying to reiterate to her that I was like eighteen and I mean while I'm an adult technically I'm still like


uh a JC student and I really did not want the insurance and she was just so fussy about it she was just like you should take it up you know like she was just enforcing it and I was like what's the problem right now I don't get it like I mean I think like it goes back to their I mean to the role that they have to play which is like


they probably get like commission with every insurance that they like sort of are able to sell or something , but I mean I I don't fault you for that like you can really try and convince people to take it up but it's just , you're trying to convince the wrong people like ya I don't even have a profile and I don't really have like anything that's got to do with insurance I mean at this point in time when I'm still like


a student my parents too pay for insurance and like I'm not supposed to take up an insurance on my own or anything and like you just give me one call and then you're like oh you know you should take it up for sure it's definitely it's good for you you know you have like a good portfolio for you and you have like


of safe side for for yourself you know in case you have uh any injuries or anything can just came for insurance and I'm like no that's not how it works I've I'm not even like a full adult yet like I just don't get how it works and it was just, very like annoying and it turned out to be like a very bad negative experience because