ya, okay uh starting off uh honestly the skincare product or something I would like avoid is blotting papers like you know the oil thing when you put apply it you know because a lot of


teenagers right usually it was like a trend or like a major thing that having blotting papers after like you know PE after secondary school you know PE right after that like one though like change then they will do the, blotting paper they will just like put in their face oh it will take up the sweat it make your like skin look glowy but however when I like use it right I realise that my skin became even more oilier and I had more breakout and I just feel that


this thing is so contradicting they say that they ya for a while only it will like come out you can see the oil you know but I just think it's a scam lah so for me I would I if I had to advise I would actually message, uh my friends about it and also I will just go to social media and post about this


blotting paper lah how about you


oh my god


uh I don't have any like uh cause I didn't sign up for any membership lah but I, gone to the gym just to wait lah but however I just feel like because my friend right she's not like very build up she's quite like a bigger size compared to all the rest in the gym and I just feel like a lot


people don't uh how to say it like there was this incident that a personal trainer like told her to back off because, he he needs his trainer to like he needs his person to use the, machine I was like what the hell like sorry what the


what what I mean like seriously like you cannot , say that to someone just because ya like she already like wanting wanted to go to that that particular like treadmill but like she already was waiting for her turn but that person just only came and then like the personal trainer told her


to know my my my my person needs to go to the treadmill because is now her his hour you know, but I just find it ya so I had to complain to the manager and say that it is not appropriate you should tell your personal trainer to give it a while just because like your just because like sometimes personal trainers like can have one hour thirty minutes just because you don't have the the treadmill you can do other activity so I don't


see why he had to be so rude to my friend you know so that's what I don't like about it ya, but the customer service were well lah so okay good for that


ah ya can


oh my god do it


uh for me ah okay my my worst uh staycation or holiday would in the hotel would be like india cause uh usually , before COVID right usually my parents and my family will go to india like at least once a year to just go shopping cause there all the traditional outfits


are very nice and we always go for temple-ling tours, so like uh we always likes go to state state so every time we change hotel so that time we had to change hotel on that day itself because the service was very bad and they were like how to say in the template right they say that it's a five star hotel with great wifi connectivity and like there's a swimming


pool that you can enjoy and it's indoor so we believe that and go however like everything was not how it is is definitely definitely doesn't feel like a five star hotel, ya it it wasn't even air condition and but they say it's like a scam lah so basically they kinda lied lah but cannot do anything about it because since we are not in singapore is india we don't really know the places so we had to like stay there for one day and then we had to find another


another hotel but in that hotel right when we go we bought the big biggest room that we can get and the biggest room only can fit like three people so like I find it, so like not that like ya like and then like the


bed right the bed sheets right it's not even clean got like stains and I was like damn, like I was gross start and I had to call them to change the the mattress and everything you know the bed sheets and they took very long to come also like they when we called to ask them to change they came about like forty minutes plus so we just have to stand there like you know the the ya


the toilet were okay it was clean and stuff but however there's no hot water usually is, uh when I always like travel I usually uh shower with hot water I cannot shower with cold water that's so it's very bad lah


then uh they said that the pool was indoor however it's outdoor and it was raining on that day so it's meh ha I was like no, so this was a very and the wifi keep breaking so suddenly like I when I'm talking to my friend on WhatsApp call right so suddenly the wifi down means I like it just reconnects reconnects so I find it a bit strange and I cannot watch my shows and stuff


you know cause it's so expensive to pay data and I don't want to use the the data that I bought you know it's only when I want to go out then I use it you know ya the data roaming, so I only will want to use it when I'm out but I had to use it when I'm in the hotel which is not that great lah cause you are paying for all the services mah


so that's my experience with hotels


uh which one smartphones earphones watch is it uh okay, , <B>, uh I bought this tablet uh it's cause it's a


Samsung tablet lah but I just feel that it's very <B>, uh for the money the value right and like the product and then the the the the


the durability the battery life is really not worth it lah, like immediately like I just put I just put netflix on that tablet right like within like forty minutes right from hundred percent it goes to fifty percent which I find it quite is you just you only using netflix and already like it just dies out


and also like design is fine everything is is just a normal it's just uh most importantly is the battery life and the whether it's fast or not lah so I think that is the disappointing factor because, honestly I bought a tablet for the family to use lah but also my parents right they are quite impatient lah so everything they want fast fast fast but the thing is very slow so it just makes them even more frustrated you know like how come is not fast you know everybody want seat to be fast and like you know easy to access but this like just


makes it very slow and it's not that efficient lah, how about you


not them, the heck okay uh you want to go first ya ya sink in


ya, oh my god


ah supposed to be green yellow yellow green there ya ha oh my god so weird ya okay ya


part one #apa tu# part two positive experience, part two positive experience, okay, okay Pooja do you want to share with me your positive experience


ya something like that but mine is in a different context lah so uh recent , think like a year back I actually like got into this scam on phone, so I actually had to pay a enormous amount of money from Singtel lah


so , I had to call and usually they advise me they the customer service the guy right he actually told me to install a monthly plan because, uh wait when I cannot uh because it's a huge sum of, money right they would if I never pay they would actually put like a late fee


so every month they will add in like like a late fee so it keeps going on and then the money keeps going it will increase so I called the guy and then I ask him if he can do anything about it and he suggested uh a monthly installment plan but he said that this thing only can be done


via , I mean usually this kind of uh monthly installment plan you have to go to the place itself to do it because they need like uh to see the person itself and they need to show verification that you are a student cause to do a monthly installment plan you have to have


require it mean you have requirements to have it like you know whether you are earning whether you are a student or what, but however because I was really in desperate mode lah I told him that I really need to, I need a monthly plan because I cannot pay full a uh full sum of money


so he told me that he told me, to screenshot my it my, school ID and uh how old am I and my IC and he, was so very was very very nice to me he very reassured me and gave me a bit hope because already my family's situation was very bad and but he actually gave me hope and saying that this can be solved no matter what you know so I actually really appreciate this kind of like


words from they usually some people wouldn't want to, say comforting words they will just like be direct and just say oh you just need to do this then only you can settle the bill you know he never like, say say like that he just told me like don't worry you can by doing monthly installment plan then he like told me


what how are the ways to like settle it just try to settle it on a certain day like he gave me more information that usually other people wouldn't give which I really appreciate from a customer service you know it really made my day and gave me a, better


understanding of my monthly installment plan so, ya I had a very good experience with it and I gave feedback to Sing~<B>


yes was very very delicious and like, ya it was actually uh it was very clean and like, if like a, when like a family like leaves or something right immediately the waiter will clean it off some some restaurants they just leave it there and you know it would really like disrupt cause a lot of people will be waiting outside however this they have like very fast uh working team which I really appreciate and plus


when we are just eating the manager will come to us and ask how how's your experience which I just richly really appreciate it because at least if, they know what went wrong or what bad feedback that we give they would improve you know so that's one thing I appreciate their


ya which I mentioned previously about my monthly installment that guy actually really make uh, help me a lot like how to say even though he ask me to wait on hold right, due to busy , thing right if


like how to he told me to wait on hold but suddenly the line was cut, but he actually bothered to call me back so that I really appreciate that with another number and he told me to call, this number specifically because it goes right back to him which I really appreciate because uh to go back when it when it cuts on


line then like I have to call Singtel again it's a lot of hassle cause you have to press one two you know so that kind of thing I he really made my life much more better at that point of time


that's good uh


my favourite bubble tea ah okay my favourite bubble tea would be , , I got a lot of favourite bubble tea ah but my favourite bubble tea is Ovaltine milk tea by , Koi because personally, wait I actually like chocolate drinks my favourite is chocolate but I feel like sometimes


chocolate is too chocolatey and very sweet however Ovaltine is very different and I feel that, Koi bubble tea the bubbles are very delicious and soft so I enjoy that how about you


ya that's great


uh I agree with you I feel like LiHO I mean Koi is better, compared to like LiHO because LiHO drinks are okay but I don't really like uh


ya, ya it's getting more expensive and I just feel it's too expensive lah and sometimes uh, in my personal I feel like the pearls are just very hard at certain days like it's not very consistent you know but that's my personal view however my friends says Koi is not that great but LiHO is great is up to ya so it's up to different preferences and like their different taste buds lah it's up to them


oh ah ya you can go first


uh I would say a product that uh last longer than it expected would be my foundation my makeup foundation it, ya I feel like usually makeup foundations right uh their lifespan would be uh twelve months which is one year but however


I can actually use two years and it doesn't like disrupt my face or doesn't like make me breakouts and for the price is actually worth it even though they just say twelve months cause I'm a person who don't really like use so much of makeup like so much of, foundation a day but I can actually like use it more than two years my my Fenty foundation now is I'm I bought it like twenty eighteen I'm still using it and it's it works wonderfully


ya like I it works ya wonderfully for me I don't have any breakout like it was exactly how I use it in twenty eighteen now also it looks the same so it's very surprising it didn't oxidized so much it didn't like it's not clumpy it's very smooth which I appreciate it but I feel like


to have good product you need to put it in a safe environment you know you cannot like just leave it in a cold place or a hot place it would really destroy your products so, to, ya so normally you will just keep it in that way and ya so honestly I feel like uh if it last longer means you will also need to put in a good environment but I'm quite surprised lah because usually uh foundations only last one year


but it lasted more than two years for me so I'm very happy about it I don't have to spend more money on investing ya


okay uh I use uh my skincare that I'm using now actually for me right I don't really focus so much on skincare lah I don't have like the full set of <B>


cause I feel like their products, make my skin very uh glowy and I didn't breakout at all and like how to say because from that onwards only right the makeup right sets very well on my skin


and I also feel that there are no uh like my skin feels more softer lah compared to last time but naturally already my skin is soft lah but this made it like it's like it made it remain how it was like if you use other moisturizer like uh


like something other products right it actually at first it, would be nice but as the day goes by you can see your skin being very dry it's very contradicting they say that it's moisturising but it's not moisturising you know it just makes your skin ya so I feel like my


one moisturizer would be very good it's Clinique lah how about you


but but


if people who are really like ons about losing weight I think gym would be a great place to lose weight and stuff because previously my dad and my sister this like long time ago I, but I wasn't even like fourteen I was below fourteen so I cannot actually join membership for gym actually I really wanted to cause I find it so cool to ride on the you know the cycling machine like I was so ons about it but I cannot join so I always sit uh this I don't know what gym is it uh it's very popular forgot the name lah but


uh I would sit at the launch and drink coke while they do exercise lah so uh I and also they they got personal trainers also, but personal trainer is actually one thing very good is because they are very motivated and they really help they they will choose like what are the activities for you what is best for you despite your age or like you know what's right for you to oh okay sorry okay ya


uh what is right for you to at uh lose weight easily lah so uh it was great lah so my my my father and my sister actually lost a lot of weight from personal trainers lah but you just need to have a lot of money for it lah ya so I think it's a good experience


(ppc), ya true true ya agree with you CPF err ya is a good way to you know err save save your money for the long term but I think personally err other than CPF what we can do is you know invest money other ways like you know maybe err bank fixed deposits or even you know err diversifying in stocks like diversifying is the keyword here because


you know putting all your eggs in one basket is uh is quite dangerous so ya diversifying your stocks err you know fixed deposits in banks there's a lot of err err incentives in banks also they have a lot of different different saving err saving opportunities, so ya I think that's also important but ya I do agree with you CPF is a is a good way to have this err compulsory savings


and the the benefits will be reaped when you when you get old so ya I think it's it's good, incentive ya so ya what's ya


ya ya of course there's there's always a risk in err because even for CPF the the returns we get isn't that high so it it is it is like a so call a a very safe investment because you will get returns but just that, uh it won't be as high as you know other private saving options so obviously ya stocks they do have this risk so the best way to uh you know sort of manipulate or err to lower this risk is by diversifying and like being more informed on how you invest in stocks


rather than just you know just going out for it ya that's what I think


yes yes, ya sure so I'll I would say that big ticket expenditures things like you know family starting a family car house all this like they should they should first get their priorities right first so like they should know oh like


okay what do I want first a house first a car first or no do I do you want to get married first all these things they need to think about all these things first, so the strategies wise I would say you know having a, uh first of all they need to like realize how much do they spend every every month like you know how much how much do they save every month


and then they should you know have a sort of a a small a plan like how okay how how do I go on saving for for my for my for my future uh needs so ya a a small thing would be like you know having uh for example your salary could be err for example three thousand dollars and then maybe you can try to save half of it


and then you see where they gets you at the end of the year, and ya there there could be a small way to you know start start saving up, ya what do you what do you think


book booking booking the uh


okay ya for for me it's about is similar to you because I'm also a full time student, so ya I I do spend the main things I spend on is public transport food uh ya that's about it but err I realized a problem that I have and maybe a lot of singaporean also is a shopping shopping spending online shopping so you know we get we see the word sale we we get until into into entice by it


so ya so a lot of us we will we will you know spend online even though we don't need it, ya so ya


uh as of now err for me personally I don't really have a lot of err like disposable income because uh since I'm still a student and my parents err they support me a lot so, right now I get exactly what I need to err like need for my expenses so I don't really have this pressing need to save my money but err as when I start working


the obviously I will I think I will do both err firstly I will do it myself I will explore I'll use a very small portion of my incomes to uh explore and, plan plan my finances but if I feel like you know I'm having trouble then uh of course I will I will get someone if I can afford it I will get someone a financial advisor to help me plan my finances but I think the best way to go about this is by doing it by yourself because that's when you learn what to do and what not to do


ya heard about it


err ya so okay so first of all they need to understand come to terms with how much debt they have and maybe the first thing they can do is err you know not not get more debt like you know don't borrow more, if you're already in debt and ya so advice uh this part I'm not really sure because I'm not actually had to give advice to someone and I'm not even been in the position before


but ya I will say they have to look at their their how much their income is and what they can do like how much they can clear every month you know using their income, and ya I would say not take any risks don't take any risk to like like in like you know don't take any entrepreneur risk to get more income in order to clear their debt they should work with


like you know for example starting a new business like you think that you're starting a new business would would help you get like help you get a lot of profits which will help you pay your debt but that could go the other way round and you could just gain more losses and maybe even spiral all the more debt you know


no no don't get me wrong I I meant it for people who are in debt like people who are not in debt they are they are they can try ya it's fine ya


uh


ya


ya I agree with you but like uh ya smoking is a very sensitive issue like some but some people they don't really after a certain point they can't control it it becomes like addiction like nicotine is almost addiction is almost same as cocaine some say, so ya like you can't really blame them for being like you know having that addiction what they can do is work towards the addiction instead of straight away just you know like letting go it's it's very it's not


it's not realistic to be honest ya but uh I agree with your intention , ya so what are your thoughts on CPF contribution so err now if I'm if I'm not wrong correct me if I'm wrong like uh for every salary your salary you supposed to uh put aside twenty percent of your your salary that's from your side and from your employer side seventeen per cent if I'm not wrong


ya so is is around is around that, ya so I think it's a it's a very good way to err you know have some savings because end of the day uh if you look at real income you actually earning more than than what you what you actually receive


because you have this extra seventeen percent from your employer side so you are towards the end of when you can use your CPF for for example for buying a house or something for for paying off a loan I think when when in those situations you will come in handy ya what do you think of bass


(mmhmm)


err so ya I would say to earn extra income should always be on the lookout for you know certain incentives by a lot of companies like uh recently there was this company which uh you know wanted me to do a video recording and ya they did pay me quite handsomely


so ya ya this kind of err opportunities are always out there but people are not aware of it and extra income ya improve your income level is obviously is a, it could be a long term thing like if for example if you are in a career you know working on yourself getting further educated these things will increase your income level ya that's what I think


uh I think it depends on person to person like it depends on whether you actually have the discipline to you know control your credit card is I think it's okay because err if you if you can set aside like okay I'm going to spend this much this month and then I'm I'll be able to settle that whatever I spend okay I'll I'll be able to you know paying back


then ya you should cause it's fine but if you're someone who is not sure and is someone who like just spends without even calculating how much you're spending, when it it can actually get out of hand so it really depends on like who you are so err if you if you think you can handle it then ya go for it but if not then maybe you should not you should just stick to debit cards and you know ya you shouldn't go for credit options now what do you think of bass


ah ya true true


ya ya


part three negative experience gearbox would you like to start


ya so recently uh okay so I always when I whenever I go to college I used to buy taro milk tea and you know is one of my favorite uh flavors but recently I I think I went there during closing time almost closing so


uh I think the the employee she was already like she was already in the mood to leave the place so me and my group of friends we bought we bought actually three uh different bubble teas and when she made it for us the quality was so bad like it made me regret, it made me like you know changed my whole impression of koi like I I didn't want to go back at all cause of that one bubble tea like cause I have had really good experience in the past but you know this kind of industries food and beverage industry


one small bad experience could just change the whole impression about the whole the the the restaurant or whatever it is so ya like after that I I really didn't want to go back to koi anytime soon because of the that bad experience like I literally spend and I bought a large bubble tea some more so I literally spend like about five dollars for


for that quality and I I didn't know what to do about it I couldn't go back and I I should have done that but I didn't do that cause I think by the time I realized the the place closed already, so ya like it was I was I was uh very disappointed lah to be honest ya


ya exactly


ya but but when you you mentioned that err after one year uh it started becoming like a bit faulty so do you consider err one year err a short time for mobile phones


nice so for me uh firstly like I I had this habit of buying a lot of uh cheap cheap electronic goods like for example err earpiece like you know from those uh shops like those err, I forgot what they call but they're those small shops you know small mobile shops where it resells you you know a lot of err electronic equipment so I I I constantly buy earpieces cause I need them for short term then I'll buy them like for maybe like ten twenty dollars


and then I realise that within less than a month usually they stop working or they they have some problem like one one, left left part cannot hear right part cannot hear you know this this kind of problems arises and ya it's really err I'll blame myself because the reason why they're so cheap is because they're for short term use and like err you know


ya they are expected to go like that within a short spirit period, but ya it's still like you know disappoints me because I've had very good experiences with like you know spendings like very little money but getting a lot of input from it but when it comes to electronic goods, uh doesn't really work that way so I hope there will be change in the future because I think like you know this generation we we we deserve having electronic goods which are cheap and durable also like I think it's possible


honestly I ya it was just like you know very very red brands like it was just like ya it wasn't any brand it was just like normal earpiece I don't even remember the name but ya used to be those kind of brands


okay so I expected to have like poor sound quality because ya I I get what I pay for ya that's fine I'm okay with that but sometimes you know the wires ya they do peel off


the the earbuds they do like you know peel off and ya sometimes like you know when you when you connected to the to your your device uh you have to like keep adjusting it so that you can hear it properly like ya the wire the I think the durability just wears off so ya it becomes really tough


so I actually gave up on buying this kind of cheap uh ear piece or what even any device like I just focused on brand right now ya so I only stick to the bigger brands


ya true true


ya, ya agree ah ya


I think they should be banned also because uh like like whatever you said like that's exactly what's running through my mind but I believe that no in this day and age like the gen our as our generation right the perception of these things are changing and people actually actually appreciate beauty for what it is rather than the the sole basis of the color


but you know but products which ya ya so ya products which you know enhance the the glow of your skin, or like you know those your skin complexion rather than your skin tone ya that is fine but I think you know solely advertising based on the the color of your skin I think that is really racial and that is really uh very discriminatory so ya I don't I I also condemned this kind of products


and ya recently uh I I, they bought from uh lazada err sorry not lazada zalora I bought a pair of err joggers and on the picture it look good like it looked like you know it was it was what I wanted but then when I received it was actually the the quality was bad firstly


and and like when I put it on it did not fit the my my like my my size because err what they mention and what the size I received was like it felt like it was out of proportion like one like the left, left uh sleeve was bigger than the right sleeve so ya I just felt uh damn disappointed because like you know zalora is actually not bad like for its clothing but then that once I receive the you know uh uh pretty faulty like


err


so uh but apart from that err what about the other facilities were they also bad or


so for me I think personally err hotels there should be a balance between these two aspects they should be ya comfortability for me personally I think it's the most important thing but ya some hotels they


they they really don't really care about it they only think about interior aspect I think ya that's that's not a good way to go about it lah ya but ya ya staycation wise holidays wise I've not really had a very recent bad experience so yup that's it


part two positive experience, ya so bass recently like you know like one like since uh for like one year right I've been I've been shopping at this decathlon like you know I I really like their their sports sports goods like for everything like you know the general notion about this is people think it's damn cheap and so maybe it's like it's not good quality


but you know I feel like uh it it does do justice to like, the the kind of shoes they they they provide it's like it's like it's not bad honestly like cause it's it's only like what a pair of shoe is only like twenty dollars but it's actually very good because err it actually fits the the purpose very well


ya that's what I think and and like, you know even other others other sporting goods like you know gym equipment err clothing I feel like it's it's actually very good it fits the price and the the reason why is so cheap is because they do everything within like like decathlon it does everything


from from the starting production to the ending production it does everything by itself that's why they're able to like you know cut down costs and pass it on to the consumers this cheap prices, ya have you had any ya ya ya


oh ya they're they're very good they're very helpful and you know whenever you you could even ask, some uh question about some product which is just five dollars and they actually put in effort they come to you they explain to you like what is it like and they explain to you about the durability and stuff so they are not really there to like pressure you to buy anything is more of like they want to like get like they want to encourage this culture of you know sporting


and so ya like most of the the employees I've seen they they are like that to me, ya even when I have to go and pick up like packages you know for for myself you know there's this option where you buy goods then err you can just collect it after like within a span of three days so like when you collect it err they're very friendly to you they very nice to you like ya regardless of how much you bought you know so ya I think it's very good


ya , ya they do they do have like a refund policy ah as long as it's uh as long as you it makes sense like for example you can't purposely like you know buy something purposely tear it and return it back to them cause they will know but if it's really that some default on the on the product err they are very good they are very err err flexible with it and they do refund you promptly


so I think it's good ya


ya and actually they do if I'm not wrong I saw like a cricket stumps I saw cricket balls I I even saw bags but I'm not sure about of the quality they look like plastic bags but you know I think actually no they do they have pillow bags ya I did see pillow bags but I'm not really sure of the the quality of wood so ya you might have to check them out by yourself since you are the specialist


ya ya, so anything that you you had a positive experience about like any any good any product


no wait wait and one more thing about that ah sorry for stopping you like even the unpacking right if they do it twenty four hours in advance I think the good thing is if they unpacked they don't have to throw like certain cause some some of them they just leaving the country like all of them together so they don't have to throw the like for example like expensive stuff


so ya if they can bring it back home they can keep it there then the next day they can you know come back so I think it's a very good thing ya you were saying something


so ya I will tell like I want to talk about the food food for example like so in in especially ya man so ya food right so COVID has been tough so it's it was really very hard to go out and eat you know you have to take away and stuff we didn't really have the dining experience


but recently ah the measures were ease up like I think a month ago or something after like ya ya so, ah I I recently went to this err korean barbecue place err in clementi and I felt like you know, it was really value for money because usually these places you know they are they are pretty overpriced but this place the specific place I went to it was actually very worth it and we actually I couldn't eat anything for the rest of the day because the food was good and it was really filling


and ya it was really worth the money and the customer service was also very good because err you know because of COVID you know they have err err not say COVID but more of like ya because of COVID err they have this regulation like every ninety minutes people need to people need to finish and they need to leave because like you know they expected like high uh like high demand


so for that reason nineteen minutes uh but the timing I went, uh we did surpassed the nineteen minutes limit but then uh there were a lot of err err free spaces around so they didn't really like you know bother to tell us to leave we were like we were we could stay there for like more than two hours and uh they they were okay with it so I think it was really good on their part to you know allow that to happen


ya, have you ever tried any korean food, the the food was good man like you know was like uh like very good uh meat the meat was good like err ah you not vegetarian ah bass,


ya so ya the I was nice it was good meat and err even the their desserts were good err ya like it was it was good food it was good korean food like ya


I I won't say dishes but there was this thing call uh nanban chicken err it was actually uh ya it was very very different kind of chicken I've tasted it was ya it was sweet and spicy at the same time, ya I really enjoyed the the flavor of it ya that's the only thing I can remember err very specifically about uh ya and their kimchi was not bad also their kimchi was good


ya and it, ya it's very affordable and like they give you this experience enriching experience when you're supposed to cook your own food so ya you supposed to fry your food you supposed to like you know like you uh cook it in water, in soup basically ya so and the food ya the food was good uh it was actually very good it was very cheap for students I saw a lot of students there actually like me being a student like I saw like ninety percent of the people there was students so ya it's affordable for students some say


(uh huh) well ah bass sorry to cut you off just press okay


oh now I feel like going to the place bring me soon


, ya for me ah I did have a problem once with my wifi ah I use starhub so uh I actually called the customer service online, to like you know tell them and they were actually very prompt too they were actually very friendly with me ah they they assured that you know they will fix the issue as soon as possible and then they realized that it wasn't really a software issue it wasn't really a starhub issue it was more of like my my house the the there was a problem with the router


so what they did was the next day they they arrange a time slot and they came they fixed it and ah ya they did it very promptly, and ya so I think it was a very good err err it was very they knew the sense of urgency and they actually helped me as soon as possible so ya I was uh actually very ah pleased by it


ya but what's your favorite bubble tea


ya for me I don't really have any like preference in terms of the place because I'm okay with koi liho you know all these are like


I find it all the same basically ah but if you if I was to share about my favorite flavor I would say it's either taro or you know just plain milk tea is fine because I did have a sweet tooth but I don't know why recently I can't I can't take if it's too sweet I can't take it, so usually I will go for very err low sugar levels like twenty five per cent and that's when I enjoy it the most


but ya so ya pearls I used to err like enjoy pearls a lot especially when I was younger but nowadays I prefer my drink plain, ya and I think the the price they have err for you know all this err koi and uh liho it might be a bit expensive but ah I feel that it's it's actually worth the the quality that they offer sometimes


ya especially for certain flavors , err ya so, coming back to a product that lasted very long more than I expected like I I I remember talking about decathlon at the start so ya I bought this pair of shoes with like very very very low expectations I thought is going to


it's only gonna last like what err like you know three months but then it actually lasted for like one year so ya I was really very very impressed by, the durability yes value for money yup


part one finance, so the first question how do you invest your money to accumulate wealth, and


planning for your retirement, so how do you invest your money to accumulate wealth so in singapore there's this , for retirement specially there every singaporean and PR they have this err, central provident fund which is known as CPF uh where a portion of your income goes into


this err account that, saves up for your retirement and then once you hit the retirement age you can start withdrawing money, so I believe that there are that is a, that is that is good because it uh encourages lifelong saving


and then specially CPF savings can be used to pay for your , when you're buying a, HDB home or err to pay for your medical expenses and these are, basic necessities, where which


ah which you are required to pay money for, and ya I believe it is a, it is it's been very important for you to plan for your retirement especially because err , what what you can do when you're young and when you're working uh you're not able err you don't have you do not have that same energy when you're


retired so err it is important that you will start planning from now so that err you can have a, peaceful retirement life, ah and you're able to at least have basic necessities like such as owning your own home and being able to pay for your medical bills yes erocient


ya err you're err I was just thinking that , regarding stocks investing in stocks there's a there's an issue that you might lose money as well instead of, because err earning money ya


so in conclusion ya I would, we would say that it's important that we, plan for for our retirement and it's err it's important that we diversify our, our invest investment options not just err stick to one option such as CPF or just stocks it's important to okay so the second question what strategies would you recommend to someone planning for their big ticket expenditures rocient you want to start first


yes I will check first the person has to see the amount of savings, he he he or her is having every month like if a because, for some families, the income that they receive they receive is just the


it's as it like they do not that they do not have any savings it's just nice breakeven only so if they are planning for some big ticket expenditures like starting a family buying a car or house then they have to, see how much savings they're having if they are not having any then they can try seeing what cost cutting measures they can do like such as if they are err spending a lot of money on


travelling by, err taxis they can err reduce , reduce that expenditure by spending that amount of money by choosing public transport instead so ya I would I would believe it's err they'll have to see what are the expenditures they have and err accordingly do their cut


cut err okay, cost cutting measures yes so the next question, uh how do you spend your money which expenditure is justified and what have you been spending too much on , so for me because I am a student err my my my expenditures are basically very basic and limited such as uh spending on public transport spending on food


and ya I will at times I like I like to play football so that is a weekly err some err sporting activity I I spend on lah so , ya I would I would say that, ah for me as a student because my expenditure is pretty much controls specially I do not have to pay for any monthly utility bills or err any house rental so


ya I my expenditures are not as big, as compared to the other students of my age would let's say have to uh pay for their hostel rent or uh pay for relative they're right international student, okay sir


yes so what have I been spending too much on, currently because of coronavirus I'm not really travelling out of home that much and err the amount of money I used to spend on food let's say it has been substantiate substantially been reduced and it's


and transport as well, I'm not going out of home that much so ya I'm not really spending much on anything I believe


right ya that's true online shopping is just a , it can be really addicting like especially when you're at home, and like you are just browsing through there are just so many options because if you were to go out go to a store there are you will just have very limited err options in front of you lay down any like if you don't like two or three that really uh


brings down your mood and you wouldn't really want to, encourage buying more stuff but online is just that if you don't like good some err one stuff you can just try err keep on searching and getting something that accommodates your, tastes and preferences so ya I think that you specially like when you're buying online err there has to be you have to really make your mind fix at what you want to buy or what you want to get ah rather than you know just browsing through and just picking and selecting and that might just go out of your budget


yes the next question, how do you spend your money oh sorry the forth one should I DIY or get a financial adviser to plan my finances yes rocient


I believe that I will DIY specially now the trend there's a financial technology fintech is coming in and I believe financial advisors do not have that much of a role uh, in current times as they used to have previously given that now you can just get a


app an app and that will give you even better advice than a financial advisor because apps are able to better err, plan out and see data and you know graph data data and collect data, uh specially like that as part of fintech there is robo-advisories so robo-advisory is basically ya people


at back end there are there are certain algorithms and data that has been input and they help you to uh better judge where you should what you should do and give you better financial advice so for me I believe that going with the current trend


I would err err resort to using these err, the err fintech, technology apps ya so the fifth question what advice would you give to someone to get him or her out of debt


so [orh] may may I just ask you err what what what are the entrepreneurial entrepreneurial risks that you are referring to


yes yes yes yea yes, ya I agree with you that a lot of people who are doing jobs they believe that, ah if we become a businessman we start our own business we will start err getting instant returns and we will earn more than what we are earning currently but when in fact when err starting your own business is not easy as well


in fact err I've heard that , whenever you set up for your first business venture it is proven that most of the times your first business transaction is uh bound to fail, I mean that shouldn't discourage upcoming businessman


or businesswoman who are starting their journey of business but because there's much more than just a, doing the first transaction but yes


for me I would say ya I mean I I used to have ah friends who would do excessive smoking and that would really uh, was a habit that I and and and I and I believe that smoking is a unnecessary cost like if you're just smoking extra cigarettes and that is giving uh that is getting you into debt which will which will equal to like you getting tense and stress and everything so a cigarette hasn't


like it already is having a detrimental effect on your health and then on top of that if you're being on debt because of the because of smoking that is like you know the consequences are way greater than, uh, than what it should be so these are some of the


I would say ya ah they they will have to see what are the expenditures and try seeing that which are the, uh aspects that they can really cut their, uh spending on, so the sixth ya


ah to be honest I'm not exactly err sure of the, exact figure but did I know it's some some some portion comes from your side and some portion comes from the employee


yes other than that I'm err what I know about the contribution rates, is that err, that they have uh age bands age ranges like uh fifty five and below it is uh certain range seventeen per cent by the employer and then err fifty five to sixty it goes up to thirty so


you can see that, err as the age increases, the amount of contribution you have to do is lower so so what I feel that CPF is trying to encourage is that, when you are young


you should work, more and try to earn as much it's encouraging you to earn more so that you can also , have a greater CPF contribution, which, which which will lead you to have greater retirement savings


so, my thought on CPF contribution is that it is, if you are young and you are healthy it is, it it is really good as in as means of encouragement for you to save for your retirement and given that it


is a very stable err, form of retirement savings it's uh, it it's good for you to uh, contribute to your CPF so the eighth question, what can you, sorry the eighth question is what can you do to earn extra income or to improve your income level yes rocient


for me I believe that, life is a, lifelong journey and you should always uh look to improve your skills and to, err try learning new things


and just not just stay fixated on err wanting like for example if you have a degree in being an engineer so, it's not necessary you will be, uh you'll be practicing engineering your whole life like most of the times what you study


it's err you don't err you do not even err end up in that, job field related to that field of study, so I believe that you should look err to having certifications in different fields and try to you know go for courses and like how singaporeans are encouraged to err they have skillsfuture programmes so just to encourage people to upgrade their skills and err


gain certifications so I believe that when you ah when you improve your skill set that is where you have an opportunity to improve your income level because for err employer ah you will be a diverse candidate with


the various skillsets and that may uh, and lead to an increase in your income level as well, now the ninth question nine do you think one should own a credit card yes rocient


I believe that , people sometimes own a credit card to build their credit history which is important err when you are uh dealing with banks uh, when you have a good credit history then err it will be easier for you to let's say take the various kinds of loans such as housing loan or study loan and et cetera but at the same time the cons of hold uh holding a credit card is


most credit card accounts are unsecured and they tend to carry higher interest rates than other loans, so , ya I mean only if you have lots of funds in your bank account, then I believe that ah using a credit card can be a great way to get rewards especially I mean credit cards they have a lot of different kind of rewards like a


I believe cashback and rebates and, a lot of uh various kind of rewards and that may be very err that may be a good incentive, for people to own a credit card, and you know and and but at the same time it may even encourage excess excessive uh spending which is not uh which is obviously not good if you do not have uh enough savings or income yes


part three negative experience, discuss your least favorite bubble tea


so regarding bubble tea , I to be honest I have not err drank, a lot of err, different brands bubble tea, so so for me whichever bubble tea I drink I it's a new experience for me because or for a different taste and I'm still trying uh


trying to, understand the different bubble tea taste and you know try to, know what exactly, how exactly one bubble tea product is different than the other bubble tea product, but, give uh from my short experience of having bubble tea


I would say my least favourite bubble tea has to be, that I there's a coffee flavor bubble tea, which Koi uh sells and, ya so, bubble tea is


I mean the coffee flavored bubble tea was very bitter, and, ya it's just like you know it's like you're drinking, medicine ya you are drinking a cough medicine and I would always, ah run away from drinking cough medicine because of the taste it'll develop in your mouth


so when I, uh bought this coffee bubble tea and I just had one sip, it just it it was just enough for me and I didn't want to continue err drinking on the same err continued drinking on my bubble tea and I felt really err sad about it given that


you know I spend like about, three dollars fifty cents, and apart from like just err the wasting money I was more sad that you know the, like just throwing away the cup and you know and this and and the thing is bubble tea they are mostly mainly served in a plastic uh cups which is not good for the environment especially if you do not


if you are not using that cup you just throwing it away so you are just wasting, and you know uh you're damaging the environment because plus plastic is not recyclable, ya so that's what I would say how about you rocient


that's great ya I believe that customer service plays a very ah important role in, err giving a very good impression especially a first impression, to, to a company so in your ya, yes


so they can't second question describe an item that you bought which became damaged, after a short time and discuss how it made you feel upset, so , I am a very keen android user, firstly because, I believe iphones are expensive


and, ya an android android phones have more functionality as compared to, iphones, like you can err for android phones you can easily just download whatever you want on the internet and it'll be


ya installed err downloaded on your phone directly, but for ah iphone you you only have the option to download it through itunes so I I have, a lot of experience in owning, different ah android phones so , I used to own a


a, huawei android phone, but, although huawei android phones have a lot of have very uh, very goods specifications, but somehow


after one year of use you can you feel that your phone starts becoming slower, err and, you know when your phone starts ah becoming slow, it it is it is it gets really ah, frustrating because it really ah


brings in a lot of err like it takes a lot of effort and takes you a lot of time to just open, like, an apps such as whatsapp like whatsapp is something you, uh like for me like, in like as a student uh I have to use whatsapp a lot to you know discuss different university matters with my


uh schoolmates with my university mates so, , having like when when a phone becomes really slow and responding to what you want, uh such as uh opening whatsapp it becomes really ah frustrating as a user


and ya so, that was really uh, disappointing, on my end on using a huawei phone, and that that's how it made me feel upset because ya I was not able, to err, get my tasks done on time


ya believe at least two years a mobile phone should err, work


perfectly or I mean what you should at least uh carry out your basic needs for at least two years, because expect given that a lot of the telco contract plans they are of two years and that's when you get a new phone bill so I believe that err a good phone is a phone that works good for two years


ya I believe there's a market for every range of buyer and what is important that uh, for the amount you are paying you get the maximum, uh, benefits from it so, ya but, so that you're talking about buying ear pieces so what are like was there any specific brand you want to point out to or like or this will just brandless


so what about that uh different kind of issues like other than like you know sometimes one one of the pieces not working or was it did you ever experience like the wire peeling off


okay the third question describe the skin care product that you will avoid and why would you advise others not to buy or use it so, I know there's this skin care product which is called fair and lovely and, it markets itself as a


as a product that will whiten uh with with uh your skin, and you know err it will glow it'll glow your skin and you'll become, fairer using it I and err so and it is a so fair and lovely


yes yes it's an it's it's an indian, skin lightening cosmetic product, uh so because, and it has been criticized for promoting negative stereotypes uh around dark skin because


and which which is not, which which is obviously not good like why would you want to promote uh, negative stereotypes around dark dark skin you shouldn't judge a person, on the skin tone or on the fairness of his or her skin


ah and and, that that ah because of this product that had lot to a lot of err issues especially in india I know there where , ah where people started , appreciating women


for their beauty on, how fairer they are on how fair they are, and ya and so those so I mean those people who would have a darker skin tone that wouldn't be appreciated for their beauty and, and I believe that beauty is not beauty lie ah lies in the eye of the beholder and if your impression of beauty is defined by his by by the skin tone of


uh of someone, the uh there's I believe that your err, there's something really wrong with your way of thinking because in other than the outer beauty, there's an inner beauty as well and that defines beauty


in a much more better manner, as compared to a, defining beauty, in terms of your skin tone and, by an outer beauty outer beauty itself should not be just been defined by your skin tone but whether you have a dark skin complexion or are fair skin complexion


there there's a lot of uh, things that are defined, outer beauty such as for example your , your features exactly and ya which which is uh which I believe it's a much more better way to define beauty so the the so that's why I really


I really hate this kind of products and I believe that because there was an uproar, uh of a, be in err in the market in err in india, towards fair and lovely that why is it err promoting promoting negative stereotypes and there there was very heavy criticism so they renamed


fair and lovely to glow and lovely but I mean, by just renaming their product is not I mean good enough, to err to bring some major change err towards err, discouraging the promotion of having a fair skin


so and the way the the their advertising goals is just very ah, I would say it's just very ah, atrocious where they show that err there's this woman with dark skin ah walking around and you know people are looking at her like as if she is some alien


or like something you know very uh, the they they would look look at her at a very ah, wait how to say would they despise her they look at her in a very uh, awkward manner and then she goes home and she's ah she takes this err


fair and lovely product and applies it on your face and then ya her skin gradually were times becomes white and white and then with at fairer skin complexion when she walks around people are like looking at her being impressed ah you have such a good skin now that what what are you trying to portray so ya this kind of a cosmetic products are really


err despise them and I hate them and I condemn them what about you


ya for me , I mean for me I, not I've not really, (ppc) use these platforms as much e commerce platforms but, ah ya I active but whenever I use them I err that I always come across this issue of uh failing to meet the delivery time that they have promise and then at times I have to chase and


err email them or call their customer service and you know err tell them that you know I need, this product urgently can you please it has been over time, ah can you please uh delivered it on time, so , ya that is err and then they will just cite a lot of various issues oh there's a


there's some clearance issue there's this issue but I'm like, ah and the thing is they wouldn't they wouldn't even take the uh, the initiative to call me and inform me I will always have to chase them up, to like ask them that why why is this product not being delivered on time if at least if they were the one who


tell me in advance or they tell me that uh they tell me, that you know your product would not be delivered on time due to this this this issue that will be better, it's ah rather than me trying to initiate the conversation and chase them so that is about it and described


your worst staycation in a holiday hotel so there's this holiday err hotel in malaysia called cabana inn it's err so when I, ah I went there with my family and #kuala lumpur# and it's err it's very very near the petronas twin towers so when I was booking it online I saw uh


like you know because it's located in a very good location near the petronas twin towers so ah and the rooms showed online were really good and you know the reviews also I read a few reviews they were, positive saying that you know it is a hotel in a very good location and you know the rooms are good and everything so well but when I went there


what I what I the first thing I saw was there was a, there was like a, bar right below the hotel a pub and there was just loud music blasting and because I went there and and I went to malaysia on the weekend getaway so I I reach there on a friday evening so the the loud music was being played all the way until like


three am or four am and I went there with my father who drove like five hours from singapore to malaysia , and we just wanted to have a really good peaceful night sleep but, just that loud music being played from


ah from the disco which was at the ground floor and we were located we were and our room we got was on the tenth floor so we could hear that loud music all the way ten storey high and that were just was very ah, negative experience I had and a very uh


displeasant experience because uh, ah we we couldn't get a proper night rest, when you book in to a hotel you go for a holiday, the least you expect is at least to have a good sleep good rest and ya that was just a, waste of uh


money because we it is it is not at all comfortable for us yes, the facilities like ya the rooms were nice and err the like it is very clean


and they they had a really good breakfast buffet but that's but that's the thing when you do not have a good rest so all these other facilities , even if they are really good and exceptional but they just it just can't uh meet


your expectations because ah ya you do not ah get a good rest, yup, but so I so ya that's why ah but, so that's what I feel that sometimes uh hotels they really need


to plan


part two positive experience


but apart from ya are you uh ya I just wanted to know about more about decathlon like apart from the the their products being very low cost and and in and they are of good quality what what about the customer experience like how are the service staff


so do do they have any returns policy or anything you are affair aware of


!wow! I am very uh I I think next time I should be err you should bring me to decathlon and also get buy me some stuff or probably just err, next time, my birthday is up upcoming soon and I hope that you will get me some very interesting and good quality sporting equipment from decathlon so I'll be looking forward to the experience


do do do they have uh do they have uh cricket equipment since I play cricket do they


interesting so far, so ya because now due to coronavirus there's so err there are travel restrictions and, err you can't we can't we are most of the


travelers around the world they can't leave their countries so a lot of the times nowadays whenever you know I'm just thinking about how life was before COVID nineteen ah especially, recall my travelling experiences when I used to travelled frequently with singapore international airlines SIA


so and and I'm really missing the experience SIA used to, give me and to other travelers because SIA was a, it's like one of the best airlines in the world and if I'm not wrong they would they have a very good track record of being world the world's best airline


and, travelling in SIA is just a experience unlike any other because when you travel in SIA, it's, even before you, get in the plane you already, are approach with such friendly staff


who, err make sure that you have a very seamless and easy uh, journey from, at the counter when you reach the airport to check in your luggage, to all the way until uh the end of the journey when you uh alike in the plane and how


they are different than other airlines is that, SIA ah allows you to check in your luggage twenty four hours before the flight so what happens is that it it it it makes it easy for you to plan your travel because a lot of times ah we have excess luggage and you're not aware that your uh luggage is err


it it is above the limit and so when you check in twenty four hours check in your luggage, four hours earlier so you can you know go to the airport early early, ah way before your flight and then you can check in check in your luggage and there you will know that you know if your luggage meets the requirements if its excess luggage so you wouldn't need to unpack it in in the airport and you know going through your luggage and thinking to decide that what what are the things you need to bring and what are the things you you do you do not need to bring and that happens


and and I see that happening a lot in airports last minute where people are just unpacking their luggage and going through their things and the flight


yes yes yes I agree with you I agree with you it's uh, it really helps you to plan and, and and and also helps you to like you're not wasting away things that I I I see people they're they they buy brand new like uh like for example uh things like such as a


shampoo bottles or soaps and suck and they they are just they just throw it in the bin, like, ya and so it's like you are just throwing a product which is totally unused and that is just wasting resources, especially I mean now err we have to really preserve protect the environment so these are some of the measures that err that


really go a long way if you do not uh, and now for the for in the flight the SIA flight (ppc) sorry the SIA flight has a, their airplane seats are very wide, and uh very relaxing and very cozy and their service staff is err the cabin crew is really good as well and if you ask them for anything like they they quickly come to you because when I've traveled in other airlines is that err you try requesting for the cabin crew to help you but it takes them


a very long time to approach you but for uh SIA their staff, uh approaches you really quickly and err, meets your request ya so that, my discussion about, so anything ya yes food yes


life is food food is life


so how about tell tell me more about the food how was the food like the taste of the food, yes I am ah I can eat meat I am not vegetarian ya


so what are some of the dishes you tried


so is is the food is the food affordable like is it the


next time you bring me also I want to also try I've never tried korean food ya, so, oh ya ya but uh but I I guess now like uh, a lot of restaurants which were previously non Halal they are uh becoming Halal certified just to accommodate more ah


to accommodate to, more people whose uh, eat Halal and I think that is a good, trend err good change that is a positive change that, restaurants are trying to, uh accommodate to people with special diet requirements such as Muslim who


required Halal food, so for for me, I would say that err a nice dining experience I had was at barbq tonight ah I first first of all, yes okay


so barbecue tonight is a, I like the ambience because it uh it's a actually is a pakistani ah, restaurants so when, you enter the restaurant you can actually feel that you have, enter a part of pakistan where they have lots of uh photo frames and designs on the walls showing


the culture of pakistan, ah especially the in in pakistan in pakistan I believe they have this truck culture art, and, that uh that has a, so when when when when you entered the restaurant you can see drawings of all the


truck cultures and designs, of how trucks are made in pakistan


so regard regarding the food is they they have Kebabs and the meat is which is served is very tender and uh very chewy, and once when you once the food goes in your mouth you can you get that tangling taste and it just


ah it just, awakens your taste buds so, it just when when it's in your mouth that spice that that tastes of spice and err, you know that sour and that you know that hot, Kebabs and uh chicken pieces go in your mouth it just


true it just really it's an amazing experience and it just makes you feel as if you are eating really authentic pakistani food and, I believe that ya if, if I'm not ever able to go to pakistan but err if I just want to like you know experience some


really authentic pakistani food culture that is that is that is a place that I will really err visit over and over again, ya and sure sure definitely, I think next time for your birthday lunch or dinner I will go there treat you ya because


other otherwise I anyway have to spend some money so rather I to to buy you a gift so rather I bring you to a place where which you will appreciate, and ya and, so the next one describe a time when you call a customer service hotline of a telco because you encounter encountered some problems with their telco subscription what is the nature of the problem and how was your experience


with the customer service agent, so which led to a positive, impression so for, singtel or starhub, so I am a singtel user, and, I often, discover uh encountered problems where uh singtel at times by often I mean once in a few months but uh because a lot of times ah like I see my


internet subscription, on the wifi the signals, go down that means they ah gradually over time they become weak, so for that I have to call singtel uh, to uh fixed my uh wi-fi signal and I one thing which I find it really


difficult to go through is when I call singtel, they will always have this option like press one for english then after that they will list down a long list of options like press one for internet press two for mobile phone and you know and you just have to go through the options to see which one, is the best for you so reaching reaching to a customer service agent so you're already really frustrated of whatever issue you are encountering and once you call singtel going through that whole menu is like a big hurdle so that really adds up to that frustration and by the time


when you reach you finally reach a customer service agent, it's like, even if you want to talk to that customer service agent in the best and the most polite way possible it becomes really difficult to keep up


ah with that politeness and kindness when speaking to the customer service agent given the hurdles you have to go through just to reach that person, and ya so I so the the good but the good thing the best thing is that, I customer service agents of singtel are very very train and they will always err you know they will always apologize whenever you err which is I believe it's a very good way to initiate a conversation where they they're actually acknowledging their mistake


or their issue from there and, but, I believe that the the best way, is instead of you know having to go through all these hurdles over calls and everything, you should reach out to online customer service agent


instead of ah customer service agent over call where you just either sent a tweet or facebook message them it's it's a lot easier, because you do not need to go through that whole err, menu, err to press one or two or three yes so ah ya so the positive impression


I had, which is was over was online because, online they are, that they are they the response rate is pretty well ah quick, and ya it's more direct yes how about you rocient


discuss your most favorite bubble tea with your conversational partner you, okay, so regarding bubble tea okay but I have tried bubble tea, a couple of times but I in singapore I see it people are obsessed with bubble teas where they have


long there there there are long queues just to get bubble tea especially at ah lunch hours and, err ya so for me, so my favorite bubble tea I like the oreo bubble tea but it's I mean I it's by like I mean I will just drink it a couple of times but not like some people I know they will queue up for


hours just to get a cup of bubble tea every day so I do not really understand that obsession people have with bubble tea I just find it it's a, it's an okay to drink, it's not as amazing or fascinating as it is portrayed to be or as people believe so that is so


and and sometimes I reflect that is it that I have a different taste than many people but I believe that's okay because every person is unique in his own way ya but, ya so oreo bubble tea has a very , it has like that it has a sweet and uh kind of a


extra sweet taste so I have a sweet tooth so bubble ah so this oreo bubble tea I believe I bought it from koi if I'm not wrong and, and koi ya, and ya it's it was good like I I like the taste and the the cup was easy to hold on to


yes how about you rocient


value for money value for money, , describe the skincare you're using and why do you choose it over over type so ah I used to a, I even on off have uh acne problem so I've tried so the the best err skincare product is oxy five


part one finance, alright so Nachma do you have personal insurance if so share the details like for example the name of provider the uh the name of provider name features of the policy and your experience with the policy and if you don't then why do you choose not to have insurance


eh when did you buy the critical care advantage plan, I sold you that , really okay okay okay


[orh] ya I think so I think so okay because I remember when I sold you that policy right it it was just a eh I I think it was five hundred something right it cost five hundred something ah


ya ya okay I remember so I think you only got the coverage for a while and then you stopped, ya but that one, ya that covers early stage critical illness lah which is actually a very expensive policy uh what was your coverage fifty K is it


hundred K ya, hundred K, ya ya ya


(mmhmm), that's the ILP plan, ya investment linked plan yes hundred K sum assured hundred K uh that is hundred K death benefit and hundred K critical illness benefit


eighty K only okay I see okay okay, ya okay that's good uh you mean mama gets eighty K


Prudential or Great Eastern, okay, private


okay, ya that one is under shawn I remember because the initial plan that our parents bought for us was uh up to B class ward right in the hospital


and then this is on top of like the MediShield Life portion lah so we cover you uh and and so I think you when you started working you decided to get yourself at least an A class ward coverage, so this plan you cannot lapse because they don't have it anymore in the market this is the plan that covers your co-insurance and deductibles only


ya, ya correct so if let's say you lapse this plan, so that means right anytime you get warded into a government hospital doesn't matter whether you choose B one ward or A ward, you will your your full your full hospitalisation fees will be covered ya so you don't have to pay any extra amount via MediSave or whatever because everytime like let's say every year right let's say this year tomorrow tomorrow you get warded into the hospital


you will actually have to pay three thousand five hundred dollars up to three thousand five hundred dollars in deductibles, if you don't if you didn't buy this coverage lah, so so, ya but now they don't have this plan anymore because insurance companies are paying way too much for hospitalization costs


ya normal rate, normal rates, ya lah so the first the first visit to the hospital would be three thousand five ya up to three thousand five like could be lesser ya so then there's another additional


ten percent co-insurance as well which your company uh which which is covered by Prudential lah in this, case ya, see like Hidayat he he forgot to make one payment for his hospitalization plan now the new plan doesn't cover that so he will still have to come out with that ten percent between five to ten percent of co-insurance


ya so I'm very pissed about that but yes keep the hospitalization plan it's the most important plan even if you let everything else just make sure you keep that, ya, so and then after you have another plan right which is the family tree


ya that's your whole life plan, ya, , it's a whole life plan you pay for ten years


okay so for myself so for myself my portfolio focus more on protection so I've got a term plan that covers me up to three hundred K in terms of uh major illnesses


so ya I pay about seven hundred and seventy dollars per year for that plan because the coverage is a lot higher and I wanted high coverage in the initial years of I mean up to like thirty forty years old lah, just in case something happens to me during this period of time and you know I'm not very well so so I thought three hundred K for now I mean one lump sum payout would be quite good since I've got my baby and then my husband as well ya


no of course not no lah, ya of course, they won't pay me if I don't have the illness what ya, so it covers stage three and stage four of all cancers lupus


ya things like that because uh I mean I was focusing more on critical illness lah and not really the minor illnesses because I think that one can that one is expensive to get coverage for so that is my main plan my term plan and then after that in terms of investment linked I actually


have two one is Smart Life Advantage which I bought later that one I'm paying about two hundred dollars a month and then after that the the ILP that mama bought for us that she's still paying for so that one ya that one that one is actually a very good plan because we bought it when we were much earlier


so smart like uh ya much much younger ya so though that one is called Smart Protect by Great Eastern that's the first plan that we both have from mama, ya so that one in terms of my critical illness coverage also hundred K death benefit eighty K paying about hundred dollars per month


and I've actually made withdrawals from that policy before, for so ya, because I needed the money, in between jobs and stuff so I love love love the flexibility of investment linked products because number one you can go on premium holidays


you know so if let's say for example you cannot afford to pay that two hundred or hundred dollars per month right you can take a break you can stop paying for like two months assuming that you chose the monthly payment option, so if you lose your job especially during this time you can like uh take a break from paying and then the policy will be covering you so in the event that you didn't pay for the month of october but you get diagnosed with a critical illness the policy will still kick in it doesn't lapse


not like your hospital plan not like your term plans, so that's a really good advantage of investment linked products which I love and then secondly of course you can actually you can it say say we've been paying for about what more than five years right so there's amount there's an amount of money there sitting in our investment linked plan


ya you can actually make a withdrawal so as long as you have more than one thousand dollars in each fund you can actually uh withdraw lah whether you need, five hundred dollars or just a bit of money ah to tide you over you can


ya you can do it via your E-connect you know you're you you have your E-connect you just sign up for E-connect of Great Eastern and then after that you withdraw then they will just PayNow you, it's that easy it's from your own policy


no the investment linked plan only your Smart Protect, this is from mama this is this is the same one that you have ya the Smart Protect, ya you can do that that is an


okay an investment linked plan covers is actually a protection plan ya it is the same it has the same features it's the exact same plan, ya, ya, exactly they don't have that anymore so you see insurance companies keep changing their products once


they realised that oh people oh this is actually a very good product so then after that they'll actually tweak the product, you know change it to make sure that they are still, in profit ya so actually the older the plan right usually the better the returns


ya so ya, that's that's that's our insurance plans and then do you have an endowment plan if so share the details name of provider features of a policy and your experience with the policy actually no I don't have an endowment plan


no that's actually more of a whole lifetime, endowment plans usually you'll pay for much longer okay so endowment plans have a limited period of time so it's up to twenty five years


ya, ya like uh so after twenty five years the policy ends whereas yours if you live up to ninety that's way more than twenty five years so that's it covers your whole life lah basically , so the reason why I personally don't like endowment plans is a I feel like you can save yourself


me saying that and I hate the returns on the I hate the returns on endowment plans I just think it sucks but but the good thing about endowment plan is, for people who really cannot save which also me but ya ya like uh it's like a forced savings account but what I notice with regards to my clients is they like to lapse the plan and then you just lose everything so the protection value is very little and then your earnings also very little


but at the same time mama and Abah use endowment plans to fund our education, so that that that helps, ya ya, so like they save every month like last time right you can save eighty dollars every month and then after like twenty years whole lump sum comes out and then they have that amount of money lah ya to pay for our uni and stuff like that so our parents we have to be very thankful to our parents


ya ya then you how do you do your savings


[orh] okay (mmhmm)


annually


I think it's just like me myself ah how I save okay for me I don't even count percentage because I mean back when I was doing insurance clearly my salary, is up and down right so I just do based on whatever I can afford ya and then after that when I started working especially now since I got Hanan and everything what what Hidayat and I do we transfer one thousand dollars each into our family fund


and then from there we use it to pay for our joint expenses ah especially with regards to our baby ya so Hanan insurance plans come out from there and then my own per month I know I'm paying actually per year I'm paying less than about


about five thousand about about six thousand dollars in terms of insurance premiums ya per year eh no lah less lah five thousand five thousand about five thousand dollars per year insurance paid premiums ya


ya for sure the investment linked plan ya my two investment linked plans and then after that, ya Smart Protect from mama and then Smart Life Advantage that I'm paying about two hundred dollars per month for for myself so my total coverage in terms of critical illness is three thousand


five hundred thousand, which is actually not a lot you see ah the moment you get a critical illness that's it eh and I already have I'm halfway there already with my lupus, okay it's it's


it's not really lupus lah but it's an auto immune disease see my eye, ya so ya so that is what I'm paying for but the term plan I'm thinking of actually converting it soon to a whole life plan maybe we'll see see if you know once I get a job then maybe we'll do that


but in any case now I think I need to get one for Hanan the ILP I'm thinking of getting him a, I just love the flexibility of an ILP so I don't understand why people think oh investment linked plans suck they think okay firstly I think that it should be called a protection linked plan because the focus here is the protection the earlier you buy it the cheaper you are paying in terms of insurance costs


ya investment wise of course it's it's not really the best lah, because it takes so long to grow but at the same time once you reach like a certain age let's say you've been paying for over twenty years right you are barely paying any cost at all out of pocket for insurance


that's why it's so awesome ya agency tap on your phone already, okay let's talk about, what about the next one, would you approach an agent or do it yourself when it comes to insurance planning if DIY how do you plan your own insurance


ya I think you only bought from me because I'm your sister right, but would you have bought insurance otherwise because I feel like insurance is something that needs to be sold not everybody will be count thinking oh I must get insurance until something happens to them then they think then they look for toilet paper right you shit your pants already then look for toilet paper


ya (mmhmm)


well I personally don't get myself covered for just purely female related illnesses kind of insurance because because well I mean I'm already covered under critical illness right so I rather bump up that coverage and get a holistic cover and I think


ya, of course of course so major illness ya it's included, so I think this is more like an additional top up personally I've never sold that either because I feel like we should look at financial planning like insurance the protection portion as a whole you know you you don't just sell based on products what you look at what the person needs their budget


what they are most concerned about their family their life stage where they are at I mean you cannot just go to someone on the street and eh I think you should get a female illness plan because you are female, doesn't make sense, that's what I hate about road shows uh and like agents at road shows like they just say hi I think you should buy an endowment plan like why you barely spoke to the person and you're just pushing product


ya but I bet you get a lot of calls right from friends who recently joined the industry and stuff, alright twenty minutes


part three negative experience, alright negative experience shall I go first, ya because I have one that happened recently you know which one that is I went on an Instagram


rant on ya that, was with Pupsik dot com, it was so , terribly disappointing because I mean I use Pupsik a lot you know like since, since I started my pregnancy all the way till now like Hanan'S around what almost seven months now


I've been ordering a lot of things off Pupsik and so far it's been great okay so clearly I mean I I order like small ticket items lah like a lot of things but they are generally like between twenty to, fifty dollars okay in terms of price like I'll I'll order things like the echo baby carrier okay that was two hundred and seventy dollars then his ya and then I'll order things like his bottles from Pupsik because they it's like a one stop shop right for baby needs


ya and then you you know recently it you you know right what I was so pissed with my baby high chair from baby go which I got off Pupsik so that was when I decided to take a look at Pupsik's terms and conditions


with regards to exchange or refund and to my horror, they do not do refunds or exchanges easily, so their policy for refund is only if, you like that they will actually refund you if you have a change of mind with regards to the item okay which means that you cannot


open the packaging that means you must take the item and then you are like !hey! it's a nice box but I realize I don't need it anymore and then after that you return it back to them, doesn't make sense right ya I mean okay some some people go through that lah and then uh but but you know even the return like even returning it is not as easy as like


Zalora or Amazon for example where you can just slap a sticker on it and return right you have to get your own your own courier or whatever to return it directly to them and like I read some reviews online some people use SingPost


SingPost and then after that like you just mail it back to them because it's a small item and then they pretend that they never received it so the person never got their refund back and it has to be within thirty days, ya it's ridiculous okay so with my chair there were so many problems with that chair the chair was


basically defective firstly it was rickety secondly like the harness were was not working it was stapled to the it was stapled to the barrier, ya when it shouldn't be it I I should be able to remove it easily so basically I had to take out the stapler eh and then the stapler got stuck in the wood


how is that safe for, a baby to use you know then I showed them I I documented all this I sent it to their customer service they replied they replied then say that oh I think you set up the chair wrongly and then they sent me a video of a completely different chair


, then I'm like I'm sorry guys but this is a completely different chair I was still very patient until the point where they say okay Nasira this is what you must do basically I had to fix the chair myself I use the hammer hammer the corners and like


you know what I mean it was just a lot of work I just wanted to take it out fix it and use it I don't want to go through all that hassle so ya, that that was the only way and the chair cost like about a hundred and twenty nine dollars, but ya not having a return or refund policy that works is actually very inconvenient can you imagine if I had bought a stroller from them and it was missing a wheel then what I make my own wheel and stick it on the stroller is it stupid right


no where are they going to find a wheel, they won't, okay what they will do is they'll probably try they they okay then they say if let's say you need to exchange the item they will bring it back to their warehouse they will try to fix it themselves first and it may take like two to three months stupid right by then my baby grow up can walk already


ya I don't know I think their warehouse is actually no they don't have a physical store so it's completely online their warehouse is at #bukit batok# near my house actually


ya so I mean I love it lah because usually delivery is uh really quick and fast because of the distance and everything but it's really just their return and exchange and uh


ya you like like like I just ya like ya just be careful if you buy expensive stuff from Pupsik cause you are really risking it's really a gamble, ya I'd rather buy from Amazon then whatever it is I know at least can get fifty percent back even Shopee ya ya it's really horrible okay what about you what's your horrible experience


that's expensive


(mmhmm), ya


(mmhmm), (uh huh)


, minus shipping is it


, , , and that is ridiculous ya


it was just a case of uh false false advertising, ya that is quite bad actually


so was this on the phone or was it like online like an online web chat, oh okay, you speak to also the I cannot understand you can you say credit card statement or something like that is it


, is it you can't you can't you just you you can't cancel EasiCredit just leave it just make sure you don't use it


oh no Nachma that one you can just waive off you no that doesn't affect EasiCredit, ya I know I know I know you don't want it like I don't want it either but apparently I don't know I I I I I've never tried


cancelling it because it just it just doesn't do anything right so I didn't waste time cancelling it just let them send you stuff lah and then after that you just ignore just make sure you don't activate it ya just don't activate EasiCredit which I I I really don't know what EasiCredit is for


, , ya lah sales right whenever there's a potential for sales lead but ya credit card companies and finance companies especially like it's so hard to get someone on the phone like even with Great Eastern like when you need someone to you know tell you what policies lah or or like


oh my god change of address okay before they had E-connect now now on E-connect you can just login and then uh do the necessary changes right, but before that you need to fill up so many goddamn forms and then the forms go through so many hands and there were so many times where it gets lost


in their whole chain of custody with regards to that one form that you have to sign to change your address, ya it's really quite ya and and I had to do it for so many of my client but now that they fixed it with E-connect I think it's that really solves the problem


you know because then you can verify that okay ya I am the owner of this policy and I change my address rather than the agent having to go to the client get their signature and then, submit the form and then the form gets lost so I will usually go to my client and then sign like four forms just in case


cause if not it's really a waste of time ya and then they don't accept like they don't accept like soft copies of the form, only hard copy which I understand you know you have to I mean it's address right PDPA and stuff like that I I hated the paperwork when it came to being an insurance agent but no choice lah okay my customer service wasn't that great when I was an agent


, ya all take the money and Chau, no lah no lah but ya I quit already so it's okay, ya


what else what else you not like it a negative product review, (hmm) leisure and entertainment, my slimming pills I tried so many, of course not do I look slim to you


but ya I like you know with with regards to like influencer marketing and like all these products that you see that seem to work like it's really tempting to just go there and buy right like recently I bought this thing from what's her name Aliff #aliff aziz's# wife


what's her name ah, ya anyway that influencer from malaysia so she had she came up with like this slimming ya she's a celebrity and then she came up with like I mean she she was the spokesperson for this slimming cocoa drink


ya I bought that cause like I mean she just gave birth and then after that she so slim but I should have known right I mean she's slim to begin with ya but still it's very tempting to just buy it and then after that ya and try and then I try for two days and I'm like (ugh) I don't like the taste so I stop trying


ya so that was a waste of money ya but it's more me than the product I think I didn't give it enough of a try but there was one that I really gave it a good shot before I got married remember I tried Dee Dee the slimming


product it's a slimming pineapple drink so I thought that this was going to be different because number one it's made up of pineapples and and pineapples always give you that oh I'm shrinking your inside cause I'm so acidic feeling, ya so that was


that was, that didn't work actually that burned my throat like I was coughing throughout the whole three months that I was taking it and and I couldn't figure out why until, mama said Nas I think it's Dee Dee so apparently ya I think the concentration of pineapples was like too high you remember


like it really burned my throat ya it worked, but then the side effect is that ya and and that didn't help my job, because I was talking on the phone a lot, so ya, but I lost I lost like four KG that wasn't too bad


ya but still four KG only I need to lose twenty leh, , ya maybe I should sign up for slimming package


ya you saw ya she's she's she's uh she's getting a lot of sponsorships what left right and center, ya for her hair loss then for her slimming like sometimes I wonder why why people go to influencers to do this right because like you know I mean she used to be so relatable


and then suddenly she is getting all these freebies and then suddenly it makes them not as relatable anymore cause they don't share the same struggles like who after just give birth want to drop like so much money on a slimming package you know what I mean, I mean it's like what three thousand four thousand dollars you'd rather save it for your baby right their education and stuff so ya I mean it's quite sad but ya do you have any more things to say we've got about three more minutes


can't remember, no and


oh yes just dirty sheets I cannot stand that that's just one of my pet peeves like stains on the sheet like even though you know you washed it they washed it but there's still the stain ya I ever ask for a change of room just because of dirty sheets


that was at doors eh malaysia I think KL Berjaya times square is it was it I I threw a tantrum a mini tantrum ya, I was like !hey! everything is so dirty


and I was pregnant lah so blame it on the hormones I remember then Hidaya was like it's not that dirty then I showed him the sheets and the pillows, what was it eh eh no opposite Berjaya times square what Melia Melia KL, ya but they were quite nice ya they gave me a new clean room because I know the rush the cleaning on that room apparently cause a person had a late check out ya so I think that already made me quite pissed off and then after that then we had to wait an extra hour eh to get our room


and then when you get it you see all the stains and you are like are you kidding me are you kidding, so ya, ya how about you


just go for it what, tell me now I'm curious


what package was it oh nepal ah


this, how much how much was it, for ten days but that doesn't include your flight leh right it doesn't include your flight


I think it doesn't ya it was just a land tour which I think is really quite expensive lah to be honest, ya because I travelled to japan for two thousand plus eh two thousand five for ten days like that was the total amount I spent including flight ticket japan leh


part two positive experience, alright Nachma do you want to go first share with me a positive experience you've got with regards to stuff


eh I think you should talk about your facial package eh no that that one you should save on negative experience okay never mind, ah ah talk about that


yours is an addiction you are addicted to McDonald's, you just love how familiar everything is, (mmhmm)


but like what makes it so okay aside from the convenience factor like what about it do you absolutely love about McDonald's


(mmhmm), so the product user okay, (mmhmm) (mmhmm)


for me my okay I shop online a lot so in terms of consumer products like I'm always getting stuff from Shopee and Amazon


so one of my experiences eh with Amazon Amazon like every time I buy something on Amazon I'm always like , extra impressed ya like I bought a lot of my baby staff on Amazon actually, like the things you can't get in singapore like I wanted a specific kind of stroller right that ergo baby one eighty stroller front facing back facing


because strollers in singapore it's typically upwards of six hundred dollars for a good one which is completely over price because like if I were in in the US it cost only two hundred and twenty nine USD eh for a stroller are really good stable sturdy stroller


so I got that shipped from Amazon can you imagine I shipped like this, ten fifteen KG stroller ya, uh two hundred and twenty nine US dollars, ya so I got it shipped from Amazon and and Amazon has free shipping throughout uh the US right


so they just ship to the the warehouse ezbuy's warehouse and then I got ezbuy to forward it to singapore so I paid an additional like hundred dollars for shipping lah but it's still cheaper it's still a lot cheaper than buying in singapore , ya so when I got the stroller right they didn't ship it out immediately so I I wanted it to come before I gave birth


so I mean I I saw that they were not shipping it out so all I had to do was I just, type into customer service like , !hey! hello you guys haven't shipped out my product uh can can can I know what's the hold up and you know what they did they are like oh I'm so sorry madam let me do uh let me expedite the shipping for you and they did so they expedited the shipping it arrived in the US warehouse within just two days at no extra cost


and then it got ya it arrived in singapore like within the next like, four days which was amazing ya so Amazon is, always super amazing like I feel so safe buying from them


, jeff jeff bezos ya their customer service is like top notch and and you know that if you need a return or a refund on a faulty product which I've I've experienced before as well like they sent me the wrong product


no no no no this is still very good so Amazon is just like !oops! I'm sorry madam and then they refunded me, isn't it amazing ya like I just had to show, photos of the faulty product like I think it was an electronic product can't remember maybe it was like one of those vacuum cleaner things


ya and then they just refunded it back to me, it wasn't expensive also lah but ya it's very satisfying so like you know I will always look on Amazon first before I buy anywhere else that I especially like to get like things like


bags like you know I bought my fossil bag on off Amazon I also bought like the skip hop baby bag off Amazon because when I checked online in singapore it's like hundred and sixty nine dollars but on Amazon it's only hundred and twenty five dollars that's a lot cheaper, ya ya so ya that is some of the services


that I really enjoy I also enjoy Shopee because like everything is there ya, ya ya, ya correct like the scarves that I bought on Shopee


ya it's it's it's decent you know it's like six dollars and then you can have like a whole range of colours and then I also buy like ya basically everything I can buy like indestructible baby books on Shopee I


ya, ya correct and, ya but they are different though like because you can get everything off Shopee and Amazon right like a whole range of consumer electronics and gadgets we can get even things like your mask you can get facial care like you know and and like most of the time like what helps is all the consumer reviews


so like sometimes when you're not sure if the product ya of course I check, ya clothes sizing wise, ya, SHEIN you bought from SHEIN before


I don't know, like it how's the quality though


ya but on Shopee like I can get things for under ten dollars you know that I can just wear once and then throw no lah no lah but but no now I'm trying to cut back