a mess-up, this is how she actually comes back, stronger build up you know, people usually get angry when their food is being left out or something you know but the way she recovers you know and the prompt delivery lah the prompt second delivery


it just shows , how much she is as a person and how happy I am you know as a, customer but, although I I'm not I never received my food orders ah I'm still very happy lah you know


ya so McDonald's that's why I say want to buy McDonald buy it direct don't use Grab, through you can you can contact direct you know to go through so many chain


because they are not as hungry as singaporeans, oh ya ya ya


all all my experiences are good I mean to be very honest, we don't have much to talk about it because


it, it is a standard that they have to keep up to lah we can't complain unless it's a bad experience that we can because other than having a bad experience right, this airline service crew are all, tip-top lah regardless from which airlines you are a budget airline or a


renowned airline like singapore airlines, or, any airlines ah it is a standard for them to, keep up with so ya ya ya ya


ya even let's say for long flights and they still you know they have to go through a lot you know, for , how many passengers can there be in an aircraft man , hundreds you know there can be hundreds of, passengers and , everyone has different needs and wants ah so and they still cater to every


single one so actually kudos to them, like , ya unless you have a bad experience you really cannot say anything about them ah because they are actually working very very hard plus , the the jet lag the the the time


shifting, while working while we are resting they are still working then when you know , it's quite actually uh tiring for them lah , but they have done a very good job ah very positive experience actually for every airline


budget or not I mean they actually


oh uh I know I know I know one place where the the, can call it customer service lah right on point


yeah I love the service at Apple, oh because , went there to buy my phone, my watch, my laptop or MacBook, my iPad you know


every every every visit you know every visit, to the Apple store I mean, specifically at the uh one at, orchard lah, specifically the one at orchard you know, their service is top notch lah


like, from the start from the moment you entered, although someone is , the, the work the crew ah the crew is actually attending to another customer ah the moment you step in ah they will ask hi, what are you looking for (ppc)


you know while actually with another customer serving another customer you know , then you say okay okay uh then you say okay I'm just browsing around, they'll say okay okay uh if you need me I'll be here , I I will be back to attend you shortly lah I mean they are very very polite I mean and the thing is they know their stuff


whether you ask them oh what's the difference between this iPad blah blah blah and this ipad oh the difference is you know they don't they don't have they they don't even have to think , and ya you know that that's the experience I had lah I mean when I bought my iPad ah because I I wasn't sure


which version for which functionality you know and they're also not very pushy because the iPad as you know they come with the Apple pen, and, you know they say oh you know this iPad actually comes will complement


eh sorry this Apple pen will complement the iPad, you know they say oh you know but then I say lah then she said oh what do you use this iPad for I say oh no lah just leisure leisure and , probably a bit of studying only lah as in not hard not not hardcore writing et cetera say okay okay then in that case right you don't have to get this Apple pen lah because it'll be a bit redundant you know just get what you need ah ya so all the experience I had was


ya yeah they they don't uh hard selling uh they call it they don't hard sell their products lah, but then all my experience with Apple products I mean specifically at the one at orchard ah, because all my products are all from there so I think


even ah even even one time where I what uh your watch, uh I bought it online you know I bought it online but then I went to pick up at


because I wanted it the next day lah right so I have to go and pick up , so it was a very very smooth process ah like oh okay ian daniel oh your Apple watch right okay okay here you go thank you do you want to get extra strap no no no you know like they were just so friendly and like very prompt you know like


I love I love that store


then we got hundred customer


ya I think I think Apple Apple , plays a part in the in in in their, what do they call it ah, their man management ah you know their staff management I think they put a stand to the standards of how to actually


you know uh, deal with their customers so it's always a hundred percent from them ah that's what I feel lah I mean for and I I only went been to one store


yup, okay part one finance


okay, !hey! hello, okay ya


so do you, I was just wondering do you have a savings account actually Ashwin, [orh] likewise likewise,


uh I have a debit, I don't actually have like a credit card, no I have a supplementary credit card, so, ya it's supplementary from my from my dad's credit card it's also under


POSB ah, yeah likewise


yeah likewise eh your debit card is what , like mine's a passion card as well


[orh], or why not get the special one bro


oh ya I I use this is one EZ link ya you auto them


!wah! that's uh that's uh I didn't see debit but we uh, we'll talk about I talk about marriage first lah, I think I think I think they should, because there there are some benefits that come along with it ah, I mean honestly I I do not have a


I do not have a joint account with anyone but, uh based on uh, what do you call that , experiences from what I hear from my parents and, like my relatives right so, a joint account has been quite uh a


issue lah they has popped up, especially with uh, some my relatives cause a bit of dispute but I think, joint account is good cause, there are a few benefits just like itself, and one is it


okay let's let's talk about like in a touch wood situation right when something happens to one, uhthe other one can still like, uh have that, amount of money as in you know what's uh the status of your account, and everything


without having to go through too much of a hassle ah, like handing over and all that so touch wood if anything happens ah and on a, regular daily basis I think it's good that both uh, can pool their, income more they are just a savings together


and basically handle the finance as a as a family lah if you're talking about married couples with with children and whatever, so let's say one is not able to do it at least the other one can can come in to help up you know


why not,


do I have a high yield bank account, or a fixed deposit I I don't I don't I don't yeah, uh yeah, I think mine is fixed deposit yeah I know


honestly I'm not I'm not too sure about my account but, like mine is with DBS right my I know my parents have a fixed deposit with OCBC, I'm not too sure about mine to be honest yeah, yeah


okay, okay, for each, where do you when did you, when did you uh get your ATM card uh ATM card


not not bursary lah was it bursary


what was that called uh, yeah lah yeah program uh ya yeah, ya ya ya


okay, okay I'll I'll say, when I got mine and when, a child should get his or hers, okay I think uh when I got mine lah


cause I only became citizen, towards eh when ah uh, think at start of secondary school or end of primary school, right so I didn't I wasn't eligible to get the the awards, basically every every year


yeah so that kind of sucked yeah then uh but I still had a, a savings account lah that's basically the the, I didn't have a ATM card but I had a child children's passbook as well, and then, in secondary school as well when I got my first ATM card I think should be sec three


causeuh like it started becoming cause I had to travel to school and it was quite far away right so from woodlands I had to travel to east coast just to go to school, and every time I have to top up my card and gets quite expensive and I have to keep asking my parents for money


so they just was like okay let's go and get an ATM card for you that's how it started lah and , I think it's a good thing to start early cause uh, I worked my first job and like, fourteen fifteen, right so I worked at a I worked at a hotel so I had actually like income coming in


and it would it felt it felt good lah to to draw, money from your own own card you know, so I I think it's good for, children to be introduced at early age at least they know, they know uh


how to handle it yeah how they know how to start to handle it earlier ya, of course yeah


true actually like, honestly it depends from case to case also lah, cause growing up right I don't know I don't know were you where you, I don't know but I was I am super miserly ah so I will just keep I will not spend so much right, so my parents always trusted me to have an ATM card you know from young


bro last time when they give me pocket money is just like, can you take more money or can you spend more money cause I I spend on like the cheapest food everything so, being someone like that if I have an ATM card I'm pretty sure the parents know like okay he's only going to spend what on what he needs to


but let's say like I know a few friends who in sec one sec two like everyone was heavily invested in gaming ah at least, I mean that's when people actually started to, I'm in primary six as well you know like blackshot you know or not and people actually cash people actually cash for


for their games ah which means they spend like tons of money on on game, so I mean at a young age like that right you also won't know uh I mean at that time yeah it may look important right but, on the long run this is, you might end up actually having having to spend so much money


and it's, made it easier with because you have an ATM card also, yeah depends also but it's I think maybe parents' responsibility as well, like what you said I can't put a a number on it ah


yeah yeah, uh !wah! I, I mean I definitely do not use miles, uh cause


yeah and I don't think, when does your does your does your parents use miles


which one do you think it's uh it's it's it's more popular amongst let's say singaporeans, that's true yeah I mean yeah now II think miles would be I mean of course it's very useful for people who do travel


uh one of my one of my relatives is uh he has to travel every day, and uh not every day lah every week sorry yeah so he has a lot of miles man a lot of miles I mean time if for for someone like him I guess it's a good thing of like for us not not really applicable


yeah so I I'll go with a cash back as well, it's quite diverse also right cash back, from what I know lah can yeah


insurance products uh product I I haven't I mean not under my name at least but I think


insurance yes but from a bank it's not from a it's not from a bank per se it'suh it's NTUC income insurance so assuming it's a bit different insurance products I think my my, !aiya! I I I don't have one lah but I'm I'm pretty sure experience I've had is uh


my parents have insurance uhproducts from OCBC if I'm not wrong, yeah yeah so it's just money, yeah money they put in to OCBC yeah yeah I know can yeah I don't know how much then


how about you,


yeah


yeah dude I've had this conversation like recently okay uh, I I think mine is a, uh with my other friends, cause all of them like to uh, they do some investments I mean they have started doing investments you know uhthey like to put their money in uhfor stocks bonds all these right and uh


I I mean for me I I, I I rather put mine in somewhere safe and accessible like banks, ya but I know the interest rates are are not really attractive ah, but for me as in someone to I do not have a lot of knowledge in this department


so until I go and uhlike educate myself cause I I'm pretty sure it requires a lot of uh, like research and you have to you have to really know your stuff ah so, yeah until until then I would choose uh to I'll put it in a bank somewhere safe how about you


but regarding this right have you like ventured into any like investment, have you tried any investments of any sort from banks


right right right, I no I so right now studying right I'm a student, I did not need a loan as in my parents had already


set aside some money every month for a quite long period of time so accumulated and basically there was enough to cover, for my school fees so I I did not have a loan, uh but I know my they got a student loan for my sister


so before me she already completed her studies so yeah, but yeah not not not with me though, how about you you you also know right


uh I see enough I've always wanted like, uh cause they never really talked about it oh uh, you have to go and work uh cause we you know you have to go and work for your to pay for your own school fees and stuff like that, so I'm always like you know like ask them ah can I can I help out in some way


you know that kind of thing so that's when they tell me, oh actually there's no there's no need to especially for us, uh like in the situation that our family is in, but they say, I think for my sister they had to cause at that point we had


quite a bit of uh expenditure, in other means as well we bought uh bought a car at the point of time she entereduni so, uh they thought it was the best option to to get the loan lah and and, they pay it they it back done it's it's done and buried so yeah this is uh yeah


the car as well, you all have you all have to right


yeah how about your car dude, did you take a loan for your, yeah my sister


[orh] yeah, yeah like instalment okay


, yeah


correct correct


part three negative experience


hi ash uh haven't seen you in a while they look a bit unhappy, I heard you were unhappy about something like, !aiya!, ya I heard you were unhappy about some something that you


why why why, Shopee why


right right right but he's uh, ya just wanted to ask about your experience with Shopee, so it's uh it's uh, it's a store and it's like you said like Adidas is it a proper stuff or is it like replicas


it's a, , uh that's really cheap right yeah


yeah yeah yeah, say I bought I bought a jersey from uh, from Shopee as well actually actually you know I bought like five until recently, I've been on a shopping spree, in fact today is ten ten, uh maybe might buy another one but


the experience I've had is with the jerseys right since you're talking about that, I mean some will it it was very inconsistent I feel that was one big issue, so one jersey I bought right it looks real as in the photos look real and everything right


but comes out uh the jersey the crest on the left shoulder like the badge the, the team's badge is like uh it's supposed to be, on my left chest you know but it was really to the side, was way too much to the side so when people see right it's quite obvious that uh it it's not real one lah so it kind of defeats what they what they preach which is like [orh] we looks completely


uh completely yeah yeah and uh, there's also the printing for me okay for me I I it was not before it came, but when it came it look fine and no label on so I also guess you know it's like really excited to get my favourite player's name on on the back on my jersey but


once I started to wash it like once or twice right, it was done like there was only half the player's name left you know, and the even the front uh not even like the player's name like the, but the name of like uh the sponsors like the card sponsor


even that started to peel off so like, and I can't really do much to fix it cause it's like only half, peeling off half is not really peeling off you know so we I feel those really inconsistent and and you know something about the


Shopee app right uh this kind of shops you know what they do so I recently I got to know cause uh, my my uh the place I work at my my boss they started like a like a customer loyalty, uh app you know so they started make an app and then


they got it uh they got uh external vendors like who are, specialised in making apps for the uh to to make the app for them ah so like you know how you see all these like Shopee apps and all that, and, basically they


their app was also related to the customer loyalty so you, you can leave reviews at whatever shop you buy the products from correct, and what they told me was uh, they said like, I mean I kind of knew this beforehand already but uh I think you should know also but the


the shops that are on this kind of app right they usually pay people, to uh leave leaveuh like many reviews or on the app itself, so if you see for me especially if I'm on Shopee right


I only buy uh a product if number one it looks good and number two I know it would last correct, and how I know that it's like it's like how people will know uh if you are qualified enough for a job how how would they know ah it's like you have a you have a certificate you have a degree right


so like on Shopee the equivalent is like they have a star rating you know, like they have a certification of shop, and they have a star rating followed by uh like how many people have bought the product and how many reviews are there, so the thing is this kind of apps right they


they already have like some sort of like revenue, so they will actually pay people who buy the products to put, like uh four five star rating, and to leave like a good review, and to just like confirm this right when I bought the jersey I was just scrolling through all the reviews ah so like I will just check you know and like most of the reviews are just like exactly word for word the same thing


ya so I feel like there was one of the things I wasn't really happy about, like there was no real transparency ah so I don't really know if it's, people are actually like enjoying the product or is it a case of just you know, buying people off for the product itself


yeah it's kind it's kind of suspect it's kind of suspicious ya, yeah yeah, but what menu uh do you still continue on Shopee do you still


or I want any online, yeah


that will, uh maybe


so if there was one word to describe your experience would it be disappointed or, disappointed


yeah they need the same things, but then again ah I feel it's not only like online it's not only online source you know right even stuff we buy uh, in in real life you know what do you call that like in person things we buy in person then we go down to the store and get them it's also uh quite


it can be quite suspect sometimes you know quite suspicious uh, yes uh remember recently how I uhyou went to study right remember that, at the NUS library


and then uh my earpiece I was like uh can I can I borrow your earpiece ah I I said something like that do you remember, cause okay so story I bought I bought this like earpieces right, it's called excite show I mean I should have I should I should have known from the name but the thing is like I just wanted uh uh like


a a cheaper alternative you know when it comes to my my earpieces cause, uh I mean I used to have quite good ones before I used to have like JBL endurance sprint but it serve me well, but I didn't want to get like airpods or anything you know I want to be like a bit different a bit different so I went to I went down to like challenger you know so they are known for their electronic devices stuff


and they were having a sale lah they were having a sale so I went in and then like there were like, many many earpiece ear ear, earpieces there were many of them, and uh this one struck by eye you know why cause, it was originally ninety nine like bucks


but but they were selling it for like fifty nine, right so that's uh what like a forty percent, discount so I was like damn so I mean it has to be good right if it's if it's like hundred and nine it has to be good so I ask, so I I it caught my eye initially and I I just asked like the


the service I mean sorry the, the people who working sort of staff uh so he was just like can I help you then I just said, oh ya uh which ear which earpieces would you recommend me, if let's say my budget is like around you know hundred something


and then the first thing he pointed to is this one lah, so I was like okay if if the if the if the staff, themselves are recommending this then it should be should be good right, but !wah! !wah! I was wrong man I mean as soon as I started to use this right


as soon as I started to use this, I don't know I don't know what is wrong with it it's supposed to play like music on both earpieces right that's the function of a, of a earpiece but ya this is uh like a, bluetooth one so it's like just to put inside and the first time I opened it and I connected to my bluetooth right it was just like only one side was playing


ya then I was like !wow! I just and literally the first day I bought it, and then after a while I like switch on and off on and off on and off you know those kind of remedies like old school remedy hack and then it started working like okay started working alright


but even then like the quality I wouldn't say it's that I mean after it started to function but I would say the quality wasn't net cost like, I like my music to be played like really loud you know I I like max out the volume like quite loud, but this there was a limit to how


how loud I can play dude like I can't go beyond so everything sounds like really soft to me, I don't know I don't know is it my phone or or is it the earpieces but I'm pretty sure it's, and then even when I was like on zoom or let's say like on any


that's why I'm not using it now cause like I'm pretty sure it would, or any like those conference call kind of thing right it will just like start cutting off halfway, like it will just go static, and then all l hear is static yeah so, yeah just I would I would not recommend this


to anyone at all I think if you're going to buy something like, like earpieces that we use of on a daily basis actually now since you have online classes and all that, uh something like earpieces may maybe a good one might cost a bit more


but yeah I I didn't think about that ah just thought about okay how where can I save money !aiya! so I don't I think, yeah


yeah, maybe yeah, true, if they eh ya that's a fair point


okay okay, , yeah Shopee, uh do you think if there was like any sort of customer loyalty for Shopee I'm going back to Shopee now since uh


ya something that is it doesn't cost too much ah, , yeah, rubbish yeah yeah yeah it still doesn't matter too much yeah


ya of course


okay, so eventually it boils down to uh value for money ah so if it's it's not yeah then if something smaller yeah yeah yeah


yeah nice


part two positive experience, !hey! Ashwin, so I was just curious


do you have any positive experiences with any sort of consumer product cause of it, !wow! !wow!


of course I heard you're the best


but uh, no I want to hear your I want to hear your football story, so uh what makes it different from the other boots though, does it feel different or have you tried other boots, kangaroo leather


that makes sense, recently okay you know I went to cambodia right last year, last year okay so how we got to know about like why cambodia you went right so we there was a friend I think you might know them but


family friends they suggested cambodia cause we were like where where should we go you know for a short vacation cause I just I just finished my NS as well, and then uh we want to we wanted a getaway right as the family so, and like randomly someone just say cambodia and then we were like okay what's like cambodia then they gave us uh the number of a of a agent over there so he has his own travel agency yeah


for I'll I'll really never forget the the service that he has given us ah I mean I mean now we are Facebook friends anyway but okay uh, why why I say this cause when you went there right he he really was quite accommodative ah I think cause uh as a family we have me my sister my parents we are we have all like different interests we all want to see


different things and we all wanted to eat different things so sometimes I remember this one time we went to I mean of course there's the famous #angkor wat# right, we went there for two days actually go over two days the place is huge and then uh, he


I mean the the agency was was really professional ah cause, my dad who was uh always constantly changing you know his mind where to eat so he will bring us to one place right, he'll say like oh this quite a famous place and then uh he would not uh


yeah as in he would he would just request for a change ah so and then, the the agency has to like think on their feet, and come up with a new place to eat I mean that was just one example of quite a lot of things that uh he did for us you know


I remember at the at the end, at the end he run a so basically he settled everything for us for us uh for from accommodation, to food uh, to travelling so he drove himself from one end of cambodia to the other


you also like about the eight hour drive ya and he's the one who runs agency himself so, it's not like we are his only clients ah but he really did dedicate like a lot of time, uh just for us and then when we left he also gave us like a, like a farewell gift which we still have on our our


on our fridge ya so that I thought that was quite quite sweet and nice part it was a good experience therefore as a service I think that's how it should be run


yeah yeah yeah so here and then he will like uh , he would like comment on our stuff and, as in for like his english was also quite good lah he's quite an educated guy and he really, uh basically in the in the long car rides right he would entertain us actually instead of does we are to it was really like


he was just like another member of the family we even have like meals together and everything so I mean it it's uh like I think he really, I mean this kind of services do really help boost uh like tourism in their country yeah cause uh


like right now we are recommending him to other people also yeah it's like was a yeah it's a good relation really good trip really good trip, have you


yeah he, now I was just about to ask like have you had any have you gone overseas and anywhere and had similar experiences


so where have you gone by yourself, okay how was that, yeah lah of course


why in the end go india , ten fifteen years old


so american airlines ah is it american american airlines right, I'll keep that in mind bro I'll keep keep that in mind mind there, of course of course of course that's true true but


speaking of uh going abroad and experiencing good stuff I mentioned like how cambodia was amazing right and you said uh you went a solo trip right was it you were alone or were with friends


yeah, completely alone, !wow! okay so yeah speaking of that like first time I not really first time and second time I travelled like not with my family which like my friends, it's like a big group of us you know thirteen thirteen of us together


we went to uh japan just thirteen guys you know, so you can expect like the havoc would bring to japan right but uh, you know japan is a super accommodating I I feel !wah! really one of the have you been to japan before


but I I swear one of the best places and you know why, it's cause uh they have they have the best they have one of the best food there, best food I I I know you're not best food, I know you're not a fan of japanese food right


you're not a fan dude I love japanese food uh uh yeah so there was one particular experience uh like, okay so there was this uh, but I can't the the name of the the market cause it's in japanese it's not like ringing a bell in my head but


uh basically what what they are famous for is a is a is a fish market you know, and they will catch they will catch their their fish, and it has its big fish ah last time they used to open it for for public viewing I mean it's it was a tourist attraction you know like they will have like this big


tunas that they catch and then they will just put it out and then the market the uh, store mongers who like bid, bid for the fish and it's a live auction going on, and this happening at like at like three AM dude yeah at three AM in the morning


okay so whoever gets the fish right let's say it's a tuna or what they can bring it back to their shop, and then they will serve it fresh on that day itself they will serve it, okay so what we've got to know was just beside the market there was, there's this famous like sushi place ah


who are there sushi's that they sell, I was like one of the best like uh food, that I've ever had like the quality of the sushi if you compare it to what you have here cause uh, okay the thing is they they open at uh four AM right they open at four AM but if you go any time like from five


the queue is is tremendously long you you have to queue for so long hours, cause what yeah, it opens at five and we got there at four AM, and uh we were still, I think third in the queue so there were already people there


at before like four AM dude, and why it's so reputable it's cause, the the fish that they catch on that day right, so they the auction as I said the auction so they bid for their fish, whatever fish they bid for and they get right


they will lah choose what their best fish is, so the chef on that day would decide okay what's my best cut, okay I think today my tuna's my best cut so he will prepare ten different sushi of all of ten different fish okay, of the best best uh catch that he had that day itself


I thought it was really cool ah so people who go in basically you don't know what you are in for you go in hoping like okay he he got the good stuff today you know cause eventually eventually you still pay like the same amount, but of course it's it's not cheap but uh I remember that night cause we


it was really far away from our airbnb and uh, like in japan transport is quite expensive like there's no way you should take a, a taxi or anything like that and you the best way is uhtrains right trains, trains are super convenient but the thing is like like just like in singapore they they don't run after midnight I think


so we we ran to catch our last train right over there just for this sushi so that I'm just talking about the things we did to get this product leh and uh we ran for our last train, and actually the the the train in japan's uh never late you know they are never late


and uh but the guy saw us running uh the train driver, uh I think they they saw it on the camera or something it has to be ah cause, on the dot they reached they were about to leave but they didn't and they waited like one two minutes just for us alright cause there are like thirteen of us running yeah so it was really crazy ah and then


we got the last train right so what we did until four was we just went to like a, like a sports indoor sports facility and we just played like baseball football everything until like three AM, and then we walked over we walked over at three AM for one hour just to get to that sushi place


so in the middle of the night it was raining uh three AM it was raining we were like all in our foodies and it was really cold, and walked toward for that just for that particular sushi so at by, four AM we were there and then, I mean I as I said there were like two three people in front of us two three groups in front of us so we had to wait also not not all of us could get in at the same time


so cause the restaurant is quite small, and then only I think fifteen people can eat at one time so there were already fifteen people in front of us but just nice it's like the next batch was asked thirteen the whole lot of us when once we came out bro I tell you I was uh


while we were such a long queue and we I we were we didn't regret a single bit lah cause imagine the hours we would have wasted you know and, yeah I I mean I think the word really got around about the the sushi that they sell, uh not only in uh in within the people of japan but you know of course all with all nationalities ah


cause we saw uh not only asians we saw like uh eurasians I'm not too sure where were they from but uh yeah it was really a really really good time yeah


yeah it was quite a shame that they they did close down the, like the viewing of the stall uh bidding cause apparently like there was a tourist who who acted as a stall monger, and he paid for like he was so rich that he just bought the tuna himself


and that yeah and then a stall owners didn't like there was a huge issue with that ah but yeah I mean, the the prices they pay for the tuna it's it's really really expensive and not only the tuna I mean the fish that they catch on that day and I mean it does reflect in the


in our in our bill as well at the end of the day it will after we ate I think the ten thirteen sushi, uh !wah! it really did cost us quite a bit but I mean if you compare it to, singapore like sometimes you do still pay the same price over here


but the quality is not not not as good and not as fresh so I mean, yeah so yeah, it is okay ah that's, that's my my memorable experience in uh japan good product good service


!hey! no it's true (ppl)


part one finance, you want to start hello


yeah you do uh, I have a POSB savings account uh, yeah so do you have a credit or debit card


okay, okay uh, yeah same for me I I only have a debit card I don't actually have a credit card at all, uh it's a


Visa Mastercard but, I don't think I would be needing a credit card anytime soon enough lah yeah, what do you mean what


[orh] no no mine just a DBS Visa paywave card, yeah okay so, uh I mean mine does have the, NETS flashpay


I can use it for ERP and SMRT as well yeah, nice okay so do you think that couples should have like combine the finances and open a joint account like maybe when they are


like you can give different examples like do you think at any point maybe when they are dating and then like maybe it's different if they are married


make sense yeah I think I agree with you on that, probably not advisable if it's just in the dating phase, uh you don't know what happens I mean, there's a lot of uh complications that could arise I'm not sure how easy it is to close the joint account


so that that could be something to consider plus, like the reason why you even have a joint account I feel it's because if there's some expenses that, you know that you'll incur as a family or as a couple then maybe the joint account avoids any like


personal complications lah as long as the amount is coming from this account it's understood that it's for the both of you and not just the individual, yeah so, moving on dude dude is your bank account a high yield or fixed deposit account


I doubt so I think both of us should be fixed deposit yeah, yeah expertise


okay, I think should be fixed ah deposit, cause high yields kind of high risk, from what I understand okay the next question, what what age do you think uh yeah this is quite interesting


what age should a child be given an ATM card to manage his own bank account, , okay for me I got it when I was around, I mean I had the bank account like I think from primary school once I started getting the first bursary awards


we already made a bank account but it was a passbook, ya ya as in scholar love, the awards ah whatever you get in primary school so, there's no ATM card it was the passbook cause I didn't need to like obviously drawing any money ah I was given an allowance I think I got appropriate ATM card when I was in secondary school probably sec two I think if I'm not wrong


but okay like what age do you think the child should be given an ATM card or for yourself as well when did you get it, okay


okay, [orh] okay I see, okay yeah okay


fair enough, I personally think that it really depends it you should you can't really set to an age from what I I believe lah cause, I think it depends on the maturity level of every kid, and you know some kids they can be a bit more financially independent from a younger age cause


the parents like, let them decide you know how much maybe pocket money they need probably you know they go through the finances together with a kid so I think we we shouldn't really put an age but a rough gauge will be I think primary school a bit excessive


the usual lah , allowance per day method should be more than enough, maybe even one two when they are a bit more you know before they become a bit more mature I think it's still fine maybe when they are three and like, their finances that maybe they made it to account for on by themselves and maybe they can be given an ATM card lah I feel yeah


yeah for sure, okay


yeah that's nice


varies ah varies from person to person, so what kind of credit cards do you think that people should be using cash back points or miles


okay, I don't think anyone of us can , right now a bit tough, uh no I doubt so , okay from my point of view I think they should only be using cash back


firstly I mean I'm not a big advocate of credit cards because I feel like you shouldn't be spending what you don't really have, but at the same time I can understand how people you know in the working world might, see the benefit because they have money coming in at the end of the month so it is okay to be spending on purchases that you want to be buying now


but I personally feel having watched ah, too much ah I think like, credit card companies, especially the ones that offer miles and points , the benefit's always going to be for them lah in the long run because


if not why would they even exist right, so in that sense I would be, kind of leaning towards cash back simply because you can, literally see the value add immediately, you can make your own calculations and count them as discounts to whatever you are spending at the moment lah ya that's the way I see


probably points or cash back, uh unless they are frequent fliers ah ya I don't think the miles is very applicable


no while


yeah I already mentioned, okay , so have you ever, purchased any insurance products, from banks or


okay do you have insurance for yourself, okay


okay


ya I mean I've not personally purchased any insurance product from banks uh, I believe I have mentioned my family has got insurance like my dad has taken for everyone, it's also like you said not from bank it's from my investment I mean insurance company, not too sure how the insurance products of banks work


I have friends who are now starting to, venture into the investment, insurance market, especially working as interns and like, half part time full time staff for insurance companies


so I am learning more about it as I go, but have not personally invested or insured myself while knew these products banks or otherwise you know, okay so like, with regards to banks interest rates right plus assuming that they are fixed deposit like what we are currently under can seem like the interest rates are quite unattractive


what what do you think do you think this is the case or do you feel like your money is safer and more accessible when you keep it in this kind of banks instead of other investments, oh okay with whom with whom okay


right


yeah uh, I don't see the need, to be excessively risky, it's not like I have a lot of money right now in my own bank account as well so it's not like it's going to make much of a difference if it was in a stock


because it's still a small amount of money , well high high risk high return but err, I don't think I'm ready to gamble my money on something that, it's so volatile and can change anytime


uh your earnings your savings are basically what you keep for rainy day and so you don't really need it, to be increasing at an exponential rate you just need it there, when the need arises so it's always better and safer to keep it in a bank yeah


so ya, uh personally no I have only kept it in the accounts of the banks


I know that my dad has got investments, uh but I don't think it's very risky as well cause, it's a corporate investment like it's a company thing so it's not really like a one to one sort of thing so I think it should be fine yeah


so okay this one not sure it's applicable but have you gotten a loan before or maybe, (mmhmm)


okay, okay, (uh huh)


so would you know like what their experience was like if when they were getting that loan, were you aware that what they have to do


yeah


(hmm), okay, that's nice that's good


yeah I mean, for me as well like no loans personally but I'm aware that my parents have to take loans when they were buying the house and like, possibly, yeah


yeah so the, I think okay, you mean the one I share with #Qi Qi#, , like okay I don't think he had to take a loan because some of these like companies they already offer like instalment payments


so essentially it's like equivalent to taking a loan one time payment and then you pay back so I think that's what they did you just pay the down payment which I think was probably something within the budget which was why you got it in the first place and then the monthly instalments ya but from what I understand like for me like I feel like


I have a different like view of loan I mean I feel like yes you definitely needed like to finance things like buying a house or buying a car but , I personally feel like, maybe in the future and I'm speaking like, with like err


thinking that you know this is the ideal situation lah I would feel like I would try my best to stay away from loan it's not because I don't, trust them or see that but I feel like having that debt and like knowing that it's accumulating in a sense because you got to pay like a small interest every month it kind of makes me feel like I'm paying more than what I should be so maybe I'll like try and manage my finances so that I only have to buy what I can and want to ah yeah


do you press stop


part three negative experience, !hey! Sachin how are you man


yeah uh, oh no at the moment , oh ya man like ya ya may just quite affected ah bro


there are a lot just just a lot of things on my mind lah there's one thing in particular I was actually not very happy with the, online uh app Shopee yeah so basically, you know how we like buy football jerseys right and how I am such a big football fan and like I want to get football jerseys so the thing is I've always used online like


shopping websites to order products because of how convenient it is and to an extent I believe should reliable and, the quality of the product usually is above expectations ah but quite recently I went to buy this football jersey of my like favourite club and I was quite disappointed lah cause basically what happen is


in the product itself like for different sizes and different like modifications to the product the website adds on different prices so like the seller has extra price like you pay fifteen dollars for example for a jersey


and then if you pay an extra five bucks they customise it with the name and the number whatever player or whatever like modification you want lah and, so I paid the extra five bucks and I printed out the name of the favourite player but when it came the product came printed but


the name was already peeling off so basically what they had done was just a very poor workmanship I believe it's probably done in the person's house I don't think it's a proper factory or anything so the the sad thing was he actually got quite a good


few good good reviews which is why I even bought from this seller in the first place because he had positive reviews , it he did look like he was reputable but there were some negative reviews and they were all had to do with the same thing ah so this was


something quite recent also cause the negative reviews are coming out just as about I got my product as well lah, so when I went back to see the what was the issue and stuff so I saw that I wasn't the only one who was like dealt with in this way of course you should expect there's no reply given from sellers like this they don't engage customers because


to them most of these products and customers that they deal with is a one time thing , as you can tell from the contrast of the positive experiences I share with you before , the differences on e-commerce platforms like this and sellers like this is that they see each and every transaction as purely a monetary one they don't see any purpose value in keeping me as a customer because


there's only so much their product I'll buy in the first place, so they don't really care about the follow-up or the product quality because, as long as it doesn't get them in a lawsuit they are fine you know I'm not going to go and like pursue this matter cause it's five bucks for the extra the shirt itself is actually good I would probably still use it even if the thing peels off


so they they they see that and they and they also act accordingly ah they don't put in the extra effort so I probably will never buy from this guy again, whereas in contrast to the earlier experience of like the football boots I'll probably only go to that guy to buy my boots from because of the positive experience I had so


yeah that that's why I had a long face ah I mean I I kind of like disappointed that he failed to meet my expectations in this way ya so ya how about you man you you don't look sorry you has something


yeah, ah it's definitely replicas lah so it's it's kind of like you pay what you get I mean you get what you pay for but, the authenticity of the jersey it looks relatively real it's still a decent like fifteen dollars


and you you don't expect too much of course but you pay an extra ten dollars for the customisation so you literally paying like half the price of the shirt because you believe that the customisation is going to be, at least half as authentic lah you don't expect it at the very least to be peeling off before you even get to use it so that was a disappointing part because it it could have literally all of you've taken was a proper pressing like the machine is pretty simple to operate


you know too it's just literally pressing the font down onto the shirt and keeping it pressed for thirty second so, it looked like it was a sloppy job done seller didn't bother to follow up just assume that whoever was doing this would do the job that they will do and then yeah I was just quite disappointing ah yeah


yeah okay


(hmm)


yeah, real right


okay, right, okay


yeah, yeah what


yeah


oh, okay


damn, yeah some sucks man


yeah damn okay interesting interesting I mean I think, yeah it it calls for us to be a bit more critical of the things you see online lah don't just believe everything yeah


yeah I mean like you said ah you don't just like, completely negate the entire application just because of one bad experience cause this is one independent seller you know they don't have anything to do with Shopee per se but you get disappointed because


you expect, most of them to be reliable so I I was thinking about how far to an extent this like it's the responsibility of the e-commerce platform itself like is this Shopee's fault or is it the you know the the the retailer's fault or is it my fault you know for having believed that he would


yeah so I feel like everyone in a sense is responsible but more than anything it's between me and the seller because Shopee is literally just the platform you know it's it's supposed to make things convenient uh


the equivalent of this is me going out into the street and , getting duped by someone who cons me into something but then again it's different when you see someone in real life and online cause it's easy to get rich people online you know pretend to be what you are not well in real life you got to really put up the product and show that this is what you are selling so that that is something that


I feel that I should be a bit more warier worry of and like sometimes it's better if like, the product doesn't look as good, in a sense like you know sometimes you put photos, and then like if it looks like it's too perfect it's too doctored it probably is lah you know for the amount that just selling it to you for you you want something a bit more authentic you'll probably want the reviews where the buyers look like they got products that you would expect to see in your mail as well lah yeah


yeah so I think it's about managing expectations ah when it when it comes to products and things that I buy nowadays it's it's a lot of bought uh trying to find the worth for my money but at the same time if I'm going for something that's relatively you know cheaper I manage my expectations in the first place yeah


yup, (hmm), possible yeah, more than disappointed I'll I'll say ah


yeah disappointed let down it's all all the same things ah it mean same things ah yeah


yeah, oh have you had any experiences like that would you like to share


oh yeah the the one, oh okay yeah


okay, okay, fair ah


[orh] man, yeah


yeah, okay, yeah


, right, okay


yeah


yeah, as in I can't blame you on that because you literally were there in person you see like it's a situation where I'll feel that it's less likely that you get duped and


the fact that the salesperson or like the retail assistant is recommending this to you means that they believe in the quality of the product lah obviously it could also be that one they are given commission when they sell the particular brand or two they were told to get rid of this product cause it wasn't going


so that that could have been the reason for the sale also but, I think like if you try it out in real life and it's it's like decent enough, unless you're paying a very big amount like I would say anything, over the hundred dollar region uh only then I would have expectations because


I mean of course I'm not saying I pay sixty and expect nothing but, I would say insurance or like the guarantees, warranties these things come in after you pay a certain amount and it's because you are paying a certain amount that they are also insured because you are paying for the quality plus the assurance that you're going to be using this for a long period of time


and if it doesn't meet the expectations then you can always go and get it changed so, the the thing about, this whole online or in person when you have negative experiences, it has a lot to do with expectation and


that expectations I believe will come with the amount that you are paying so I think given current climate current situation, if I was to make big item purchases I would probably only do it if I really need the thing and I am everyone knows that it's an established product so yeah this is probably going to be how


I shop lah in time to come, yeah


I mean I would still go I mean thanks for reminding me about the date today I might want to buy some like, you know like cheap stuff maybe hair bands or, you know like keychains, yeah so like when you pay two three dollars for something naturally you also don't expect too much you know cause even if you get absolutely duped you get like


nothing close to what you paid for, it's two bucks you know it's like two bucks it it hurts more when you pay a bit more in the range of twenty and over and then you get something that's not worth twenty so , like it's it's not even about managing expectations I think it comes a point where you are managing value for yourself you know you are you give certain


products certain value, based on your impression of twenty dollars you know twenty dollars for you is worth this, and then when the product comes and it's not worth this twenty dollars you're like disappointed, so so you got to like rethink you know something that might be worth twenty dollars for you like maybe I might pay twenty dollars for shirt even with lousy font because like the club means a lot to me but to you twenty dollars if I use to buy this club for example it has to be top notch quality cause if not you'll never wear this in the first place so


so value can change from person to person , but even then only up till a certain point once you go past a certain range of amount of values, like once the money is in the north of the hundreds I think you would be disappointed no matter who you are lah yeah yeah that's how I feel


yeah I mean, no matter how good the experience, if it's not worth the money then it's just not worth it lah yeah


part two positive experience, hi Sachin


uh, yeah, , yeah I do actually I just wanted to tell you something about this like product I bought quite recently it's my like new football boots


so you know how I'm like yeah okay you know how I'm like uh always like playing football then like so I I always look to buy like the the best boots so that I can you know improve my performance so there's this new brand that's not like that common or orthodox in that sense I'm into this brand called Mizuno


so Mizuno is this japanese brand, and in singapore while there are retail in like different Mizuno stores the main , household distributor is this guy called reuben and he owns this company called reuben's sports


so what happens is he's got this warehouse slash store in the #Boon Keng# area, and so that's where I went to like try out and buy the boots so it was , firstly they have very good advertising on Facebook that's how I came to see the boots in the first place I was scrolling through Facebook and then I saw this ad and I was like !whoa! I need to get this so then I


check their website and they showed the available availability in stock was there so I went down to the place cause I wanted to try it on you know like I don't usually buy boots without wearing it first to see if it fits and all that , so I went to the place I tried it on and


basically they were very nice they were very like , hospitable they they tried to make sure it fit they tried to give me advice on why some types of boots some brands might be more apt based on your foot size things like that and then of course they tried to like also get me to


supplement my purchase ah with like things like the boot cleaning kit and things like that so over all it's a very good package I think it was priced quite well it is not really that cheap but I think it was worth the money because I, have used it a couple of times and I feel like it's super durable it feels very comfortable and I see my sort of using this for a very long time yeah so how about you Sachin


oh sorry is that something you want to say, yeah, oh , okay basically the thing of Mizuno is they use kangaroo leather


so they the yeah so like the the skin of the, I I don't know why it's named that but the the skin of the boots is very firm very tight durable but the same time it is, very comfortable cause like footballers tempt to buy like boots that can give them better feel in that sense so like


boots that feel a bit barefoot but I don't like that because you wear something like that like for example a Nike or Adidas like mercurial very thin you get stepped on once and that's it your feet's gone you know you're going to feel the full impact but, Mizuno is like it's permeable in the sense that yeah you feel the ball well but the same time it is thick enough to protect you from like the stamps of maybe other players in that sense yeah


so that's why I really like it lah yeah I feel it's a really nice good boot get good contact with the ball when I play yeah, so how about you Sachin what's the good experience that you might have had recently


oh ya yeah


ah yes, okay, nice


!wah! that's nice


!wow!


yeah I mean that sounds really good and, I mean you guys are still in contact with him right via Facebook and what not and,


(mmhmm), (mmhmm) yeah


yeah and, think sounds like a very positive experience ah because yeah I mean definitely word of mouth is like one of the best ways to promote products or services and


like the way you're speaking of him I don't think anyone in our extended family for that sense or like friends who, engage anyone else if you were to ever go to cambodia we'll probably go to this guy because of the good experiences that you've had and the extension of it that how he bothers to even like keep in touch you know


it it just shows his genuine ah and I think that's something that is quite rare these days ah yeah sorry you were about to ask me something, yes I mean I have gone overseas quite a bit I wouldn't say I had similar experiences because the the times when they engaged the uh travel agent is probably like when my parents are like you know taking ownership of the trip like when I go overseas by myself it's more of like you know I just


book the tickets of the the place the hotels and then I just like try to go around by myself but, a positive experience uh I I've been to the US and that's like that's pretty much like the first time I was travelling alone I've done before like with sports teams and like stuff but it's not like all alone alone you know like this is the first time like I checked in myself and then like I just going through everything by myself so


so the the service that I was impressed by would be american airways, so what happened was I was supposed to go to US Dallas via, Hong-Kong so there's a stopover in Hong-Kong, for like an hour or two and then a flight by american airways off to


US ah so the singapore side everything went smoothly checked in saying bye to everyone , went to the plane got to the plane not longer than four to six hours I was in Hong-Kong, uh once I was in Hong-Kong I was


pretty much just like waiting to you know , transfer over to my flight ah cause your luggage's already checked in for you and you just got to go to the other gate so once you reach hong -Kong though with I've found out that


the flight had actually been delayed because, there were some heavy rain or something in the US so the flight had not actually left from US so there was going to be a definite delay and the unexpected part is that in the delay was so long that it was probably going to last a day ah so I was only going to be able to leave the next day so


you can imagine my head shocked of having to deal with something like this first time I'm travelling alone, but I was excited to see the list because I wanted to know you know like what's going to happen so I went to the counter and then they, they guided us to the like sort of departure like where you leave the airport and so there the luggage was all settled out luggage was all there so then they asked us you know like sorry we can only put you on the flight the next day what we can do now is we're going to put you in a hotel local hotel


about half an hour away from the airport and then they'll arrange for everything so they they pay for your taxi to the hotel they pay for your lunch and dinner cause we reach there in the afternoon I reach there in the afternoon, and the same time your luggage is already given to you in case you need to like use something so I was like okay !wow! nice right like get to stay in Hong -Kong for a day bonus right uh never been there before


so the service was really good because they were, really just making sure that this like inconvenience while it's not anything on their part directly like the, the receptionist at the counter it's not their fault that the plane didn't take off in the US right so


they were still very kind they were very like understanding they were making sure that you know arrangements were made for everyone helping with the luggage helping with everything informing us on like the next day check-ins and then, at the hotel itself they too were made known of this so like when we reached the hotel the staff in the hotel also knew what had happened and so then they started to give us like guidances on like where we could use the the meal vouchers when we could use them


informing us that there was a shuttle bus in the evening if you wanted to go to the nearby mall so like, basically the airline's went out of their way to make sure that the extra day that we spend you know or high spend in Hong-Kong was pretty much accounted for and taken care of and this was something that I was very thankful for because


uh firstly I got to see Hong-Kong I went to the malls I was only five KM away from disneyland didn't manage to go but, the experience in this it it's five KM and I mean if I was like probably ten fifteen years younger I might have just like gone lah but I was just a bit


I just went to mall chilled around but the entire experiences like the next day once I got in the flight like basically they they have my vote of confidence I I feel like, if I were to ever go on long distance flights again this is something that I will look to because even if things were to go wrong I know that they would


take care of me and like my family for that instance so yeah that's a very positive experience sorry, yeah american airlines american airways I think yeah, yeah probably wouldn't want to go there the next recent time though lah might want to wait till this sorted their things out there (hmm)


yeah, yeah


like my trip to US, solo my like literally just myself yeah completely alone , (mmhmm) yeah


right, oh okay ,


ah man, why, best what, oh okay is there like any particular like yeah I'm not the biggest fan of yeah


okay yeah


okay, , yeah,


okay, , , oh okay


yeah (mmhmm), yeah


at five AM, !wow! so like


, yeah


okay, right


yeah okay, , !wow! okay


that's nice man


okay


(mmhmm), right, okay, uh okay nice


yeah, yeah for sure


right


yeah sounds like, a very good experience ah, oh, okay


oh okay, yeah I would imagine so ah I mean you literally eat the fish that is caught like hours before so can't get more fresh than that ah you got to catch it yourself I guess


that's nice man thanks thanks for sharing your positive experience, (ppl)


part one finance, I do err I have actually started it since I was in secondary school so I've been trying to save up money since since secondary school times how about you


oh ya ya


so when when did you get control of your own personal finance personal savings


ya ya ya same here, so so like and for now do you have like credit cards or debit cards that you use


uh so I have a debit card from when I first got my ATM card but I mean it's very convenient with paynow and all the credit rating from the cash back , but I think for now I'm still not getting a credit card yet because I'm looking to have


more a a higher and more stable income level before I commit to paying back loans because technically credit cards are borrowings right , yeah and also I fear that I might not pay back on time then get back all the


ya ya so because of that actually I won't go to credit card but otherwise I think the debit card is, serves its purpose of a credit, ya so I don't see the need as of now , maybe unless is like they have , they have those promotion card such as like the golden village ones like you get a like a heavy discounts


that's the one I really want , but other than that I don't really have any, ya ya ya but I mean


but you need to set reminders right to pay back everything, ya ya ya


ya, ya by use your credit card for transportation also is it, okay so it's quite useful lah you just need to tap


because I don't yeah okay, so like with savings and all the thing card or like couples or like if you get together with someone would you want to combine your finances , like cause as kids we had open joint accounts with like our parents would you do it with like a partner


uh actually I have friends who open up joint account as couples but I think we're a bit too early so I feel like we should do it when you get married so it's like a it's also like a commitment or maybe when get engaged so it's it's a commitment to each other of but


other than that I think yeah I think as a couple like as a married couple is quite important to have because you're raising kids and , like buying a house together but other before that I think , I mean what if something goes wrong I ya so so I think a joint account how do you split that joint account if something goes wrong right so


maybe maybe as a commitment like like how they say do you want to buy a BTO so it before that it could be like do you want to open a joint account , ya so I think that that could be a like a form of commitment but otherwise I think like as marry couple yes before married maybe not


, ya like a larger share ya correct, if we work by percentage like let's say maybe ten percent of your income into a joint account


a ten per cent to like maybe one person would be smaller than the ten percent of the other person, so it wouldn't be a very ya so it wouldn't be like a very fair ya, ya


ya at that branch ah exactly which is why I am like after marriage ya sure because what what's yours is mine, ya ya


yup correct, ya you can have just like a joint like account for like GIRO payments etcetera so I think that will be easy


I think the one that I, control or have control over is just that the normal one which is just a regular bank account I am not actually sure of the interest rate I don't quite keep track of the interest rate because I usually donate what I have earn from my interest away


uh but fixed deposit wise I think is like, it it's what my I think is the POSB kids account also which like my parents to manage so I think I don't even I don't have control or whatsoever over it , but ya so I think I don't know it's just a normal bank account


ya so we're like not sure whether children or not, ya ya ya ya, ya so how about yourself


ya true I haven't actually consider those two bank account because I previously had the frank account and it just converted to a three sixty , but I'm not sure how how what's that process like or what's going to happen with the money so I'm just waiting to hear from the bank ya frank moved to three sixty


ya ya so it like at, oh you got you didn't want I I think I forgot to reply that email so it just got convert ya, ya I'm very bad which like email reminders and everything so


that's why I don't get the credit card because even if they send me I might not pay, ya so uh, when do you first get your credit card and like debit card and like


oh okay, oh ya ya ya


oh okay ya just take from your parents , ya ya


true ya I think I got mine, ya I think, I think I I got mine for when I was eighteen but it'll even then is like I barely had any money inside


ya because I don't right the only thing I do with it is maybe top up my EZ link card , ya because I'm scared that I'll , ya but uh I think a good age now would be maybe sixteen, ya because a lot of places now using like Grabpay favepay all that you need


your card yeah , and like in general all the McDonald's and everything, ya but uh, uh, ya


I think sixteen is good because that's when they are like transitioning from, from rebellious teenager to a more person ya, one is a bit, ya ya


agree agree agree, Epayments ya ya


ya ya quite scary because even for me like even though I've used cash before every time I use card I don't even see my money fly away, or like I don't even see myself give my money although I would rather not that way it's just that out of convenience


I'm tapping my phone and like ya I'll prefer not, ya but that but the item could be like five dollars ya, difference correct


ya, ya, I feel like I feel like the whole savings concept only came about because I was using cash because you know when we save like coins and notes into like our piggy bank that's how you realise that you know how saving is important


because it got heavier, ya because when it got heavier with that but then, eh ya , but all these uh Etransactions we don't even see the weight of that money, so I feel like we did we don't we wouldn't know how much for saving ya


ya


ya precisely I don't like it ya ya true ya


I think I would prefer cash back, I would prefer either cash back or miles , but miles with like the travel situation now maybe not the best idea , but in general I will I will be okay with miles if the travel which like if I can travel


uh because then you're travelling you'll get discounts in your travel et cetera but I think in general is cash back because at least I'll get the cash back yeah even if it's like ten percent even it if it's in the form of like you use if you need to use the same credit card again


to use that cash back it's still better than not having to see what it is ya I'll prefer cash back yes you


[orh]


ya, ya exactly ya good, I should take into consideration before my I get my credit card, ya ya but have you ever considered ya you are saying you feel like


not good that you feel like one of the


okay, no no like so base it's all your credit cards and have you ever thought of investing


bad returns ya , ya I've considered it but I don't know if I, uh dare to, because I understand the bad and the good returns the good days and the bad days the the cash in accounts but cash cows and everything but like I don't know if I want to do it ya


uh I think I'm more familiar with stocks, stocks and dividend returns not so much, ah trust ah yeah I'm actually quite interested in REITs


which is the real estate investment trust and I think that one in general is more so you will it sort of invest in a property or in a portion of a property ya which I think is a bit more stable than investing in uh business


ya so we have like Mapletree REITs and all that so I was actually thinking about that I'm I'm still looking but I haven't actually invest any yet yeah, I had a bad experience in investment so I put in ya of course it's like I I didn't put in too much money I put in little because I was still testing the water I put in a little money investing a business and the two minutes later it just went down


so that was like okay maybe not and it was during COVID it was during COVID peak so I really thought they would can only go up from there but actually has been down ever since , so I've decided I'm just going to take that money out after maybe ten twenty years, when it's like a bit better yeah so that was stocks ya


let's do it ya, , correct ya


boom ya, correct, ya ya ya especially now but, ya but luckily I didn't put too much money because after I put the money I was like okay never again


and then never following someone again because I was following someone someone who bought it I know someone who bought it half an hour before that, so I was like oh okay I mean it can't change so much right in half an hour or so I thought and then it change ya sounds like you know okay ya ya


but would you would you do would would you consider like


the, ya ya, like how about properties and all that are you into property investment


no that's also like the rental kind where you buy the property like when as you grow older not now of course , then you can say rent it out uh ya, no loan for you ya ya ya ya, I think we still have our student loans to pay so ya ya


part three negative experience, oh my god she ya


uh I think not recently but in general I'm very , there I am very hesitant to buy purchases on Lazada and Taobao in general because I'm afraid that if I order something but another thing comes because


once I ordered a laptop sleeve, so I ordered a laptop sleeve on Lazada or something like that and then , my product that came was a passport holder, of the same colour so then when I went back to the because you can get refunds if it's a completely different item right


so I went back to the the the the seller and I said okay so you sent me the wrong product and says no this is our laptop sleeve , but no laptop can fit in that passport holder so I am not sure what he meant so because of that I'm very hesitant to buy I think you should know cause


every time before I buy I tried to like run it by friends from what they think of the reviews because maybe it's something you guys see that I don't , so because of that I sending like I send links to people I'll say what what is your opinion what is your opinion so that like ya so that like although it might seem good to me maybe the reviews you you saw something in the reviews that I didn't see


ya but in general I think I look for more affordable things on on the on such platforms, uh like Carousell and all and all that so because of that I don't expect the quality to be that good


but yet like, if I don't expect it to be very bad either but I think my recent purchases have been quite bad , so I have paused for awhile although there are sales in the past few months ya ya how about yourself


, ya, correct ya


ya, he's still okay okay


okay, to a wrong address ya


to fight it


ya but I think the best thing about Shopeefor now actually is they allow you to voice out why you're you're discontent about the seller or the or the item to Shopee itself, so I think Shopee does like a vetting process I think I'm not sure


but I think that's the best part about Shopee that I like whereas like , the uh I think Taobao and like Alibaba, like uh Ali express and all that ya I don't think they can ya correct it seems like it's just going to be you buy and you are taking a risk yeah I feel like Shopee guarantees


ya, correct, Shopee ya ya , ya ever since my laptop sleeve uh incident I haven't gone back to Lazada because


it wasn't there wasn't really like a open communication between buyer and seller, ya ya I don't know I just can't, precisely ya ya


but I'm afraid of Carousell because that person could be of, could not be safe to meet , ya uh because I prefer meet up over, uh shipping yeah, ya so because of that I'm not sure if I'm very willing to


no but I think, I think nowadays started this caroupay thing which is a bit like Shopee I think where you pay Carousell and then they will only give your money when the person when you receive it or something, like that, I'm I'm not so sure how it works but it's like you pay Carousell then Carousell pay seller I think that's the new thing


I think so ya I think so, ya


ya precisely ah ya but I think now ya you saying


ah ya , I hardly do staycations in singapore actually because every time I bring it out told my parents it's like you can stay at home why you want to pay to stay somewhere , so I mean didn't get it but I think in general in hotel I think my worst was when I went overseas with like a friend and the package came with so we book the hotel on a hotel booking platform I'm not sure I think was like Trivago or something like that


so it's supposed to it's supposed come with breakfast so when we went there they told us is a, in in the in the when we booked it is it is buffet breakfast where you can choose your breakfast whatever you want to eat, so the the words were choose your breakfast that you want to eat everyday that that was a marketing technique and when we went there they give us three options you either get the western one or the chinese one uh chinese breakfast western breakfast or like a I think


another western breakfast which was like the kids meal cereal and bread , ya and we paid so much to have , ya so it's like a meal you either get like a chinese breakfast which means is a rice and everyday is the same right so it's like it's fried rice


no, no you can you can choose within the days but , every day is the same thing, so so let's say today is, fried chicken uh fried chicken rice , so the next day will also be fried chicken rice every single days is fried chicken rice


but you can switch between like if you want the western pancakes and bacon or you want cereal , so for people like me because I either eat I cause I need halal food but if there's no halal food I get vegetarian right and to be honest I didn't go to a country which is muslim majority so I was okay with vegetarian food


but I thought I can tell them uh can I get the pancakes and just remove the bacon from it, but they were like no it has to come with the bacon, I'm like but I'm actually like it makes sense only for you to not give me the bacon and you are actually saving money but they say no then if you want vegetarian


ya so they say if you want vegetarian take the kids meal which is honey stars and bread, so I was very confused as to why I paid so much just to eat honey stars and bread in a hotel ya


precisely ya ya, and I think for people who went there for longer holidays for let's say five days if they had one day pancake and because there were three options so you will finish in maybe monday tuesday wednesday


thursday you are back to the same three options , and it's not like they change the rice, like it's not like one day chicken rice one day , uh like in something else or so, it's the same thing every single day so it's uh a bit sad , and it was not at all worth the


money that I paid ya yourself, did you go for you've been for like staycations right actually


choose ya


yup for sure ya


, oh ya, ya, and you specifically told them


ya, vegetarian ya


precisely ya I agree, ya and it was a ala carte thing


oh man yeah so basically food has been our, worst part for both of our experiences, ya I'm quite surprised because I thought like vegetarian diet should be quite it should be quite known already by now


but ya because of that because it's as simple to understand as no meat so, precisely, oh man ya I do so nowadays I actually tried to


ya of course ya ya ya understand oh man, uh ya so but, I don't know I think that being people usually uh, I don't know food is actually quite hard to convey in general but sometimes it's also like uh cleanliness of hotels and all that sometimes I feel that the


sometimes I feel the how they represent the pictures in the in the in the booking reservation thing website is very misleading ya which I can't do it there was once I went into a hotel where the bathtub head black rubber things dripping at the side


so when I ask them like what is that can you switch our room they said no it's like that , I like how am I supposed to shower at some place where there is black stuff dripping oh man it was disgusting ya


just amazing ya for it just like I was quite surprise


ya uh you would think that you know Bali is a more popular tourist destination that you would have better but turns out you know cambodia had a better one, ya ya, ya quite ya


maybe maybe the stars actually really come into play like you know the three stars those stuff , ya ya compared to our student budget hotel that we choose, ya, but I feel like in singapore


I think even three star is good even three star is good or like two star yeah


part two positive experience


I can't decide I've been trying to think of what , err so I've tried I think, very little of the brand's compared to what is available , but I think my favourite is actually Gongcha actually I prefer Gongcha


ya ya I prefer Gongcha but I think neighbourhood wise I prefer the other one I tea, I'm not ya, ya but but that one is because it's cheaper and it's, it tastes the same it taste good for the price, ya but I think Gongcha is like my favourite bubble tea as all ya ya for Gongcha for


I don't know what I used to drink but suddenly one day I got black milk tea, black tea or something like that ya so after that I've been having that and then I notice the difference between the other pearl milk tea which is weird , ya but that's the only one I drink the black, black tea black milk tea ya you ya with pearl with pearl ya


oh okay, and your sugar level


you heart drop ya I went I went the other way round I started from twenty five or is it twenty and then I went to fifty now I'm at seventy


it's just tea at twenty five it's just tea, no but the the sugar content is almost half that cup if it's fifty percent, so , ya


no no it's it's it it's better than being ignorance so at least we know and then we're took we know we're doing a mistake , so we know we're going to have diabetes , ya your competitor but honestly some times I start tried try to go on


bubble tea diet bubble tea free weeks and months, I think COVID was my longest which I didn't have bubble tea ya so


ya I didn't agree with it, ya ya , ah three months ya, no but actually although certain like solely bubble tea stores didn't sell bubble teas during our locked our circuit breaker the restaurants that have bubble teas were still selling it like the cafes and all that so I didn't understand the rush


ya they thought everything ya ya ya, want it ya ya


especially during the peak right of the disease ya ya, ya, but I think cause the


the best part about like all the bubble tea I think most of the bubble tea brands they have student discounts right , ya so I think that's why there's a rush cause it's the student is us students that keep running for it


ya, I think the sugar level is very high on the hill if I'm not wrong or their milk is different or something like that


ya, ya and then they have their cheese cheese milk tea right, ya have you tried it no that and


ya it , no and they also had the, ya but they also had the Rand RandB cheese brulee , I don't understand it, because it it just a it's just a top layer of like


cheese brulee thing , and then there's tea at the bottom I can't see tea and cheese go together, ya


same


ya but did you have bubble tea before that before the, recent crave, like did you have those smaller neighbourhood stores before all these big chains came up, okay okay


what is this ya


this smaller one ya, okay


oh ya ya ya ya ya I think uh when I was younger I used to get like more fruit based bubble tea, so it used to be like ice blended and fruit based and then it's only recently, ya so now that I think about it there were there were pearls but I don't think there was tea inside


so now that when I think about it I don't know why it's it was called bubble tea then, ya but I used to have like their fruit based which is really nice and their milo, ya and milo ice blended ya


ya ya, to get tea ya ya, but it's nice maybe you can still try all those smaller stores still have, ya like err I think in neighbourhood wet markets all that


ya they have more tea, ya ya, I think I tea has the I think I tea has the fruit flavours


ya ya you can try yeah they have they still have, the fruit drink that I get I always get sour plum so they still have that, a bit sour ya , ya it thicker ya so it's a bit like a brain freeze I like that feeling so I have to get it


ya not from slurpee , actually they should introduce pearls in slurpee I think it will run very well, so it's like you can have green apples slurpee with like pearls would be nice actually


to seven eleven ya ya, it's weird I don't like it


ya, ya, I think I think now they have like now they what they have is fruit punch or something like that, ya it's weird I I don't quite like it


ya, but now I can't believe that like even primary school children are spending their , primary school allowance on bubble tea even I think my allowance was the cost of the bubble tea


for me ya ya, and then now they get maybe five dollars maybe per day


ya and they get like the expensive one is not even the, yeah and they'll get like the cheese brulee six dollar thirty cents I'm just what ya


actually it is actually it is an electronic ya , so so I had very bad experiences with laptops previously , uh and it was always uh, it would give me issues at least after only a year uh the moment the warranty ends it usually gives me issues with like the camera doesn't work or something like that and then I got a mac and then the mac no matter what happens it's there it works


it could it may be slow but that's because of the operating system and how , the world has already progressed and has a lot of updates but it lasted like I can still use it without any, I just don't have patience but other than that it it's still works very well


so I was genuinely surprised when I was using it, this year which is seven years later , so I did not expect at all, ya ya so I I think as much as I tell people don't get a mac because it restricts you from a lot of


exploration with your device because there's a lot of settings that it's just pre pre given to you but other than that I think it's, I I like the mac how long it lasted so I'm actually quite surprised you you don't like you don't think electronic devices last long


oh no


that that's another thing like the that's another thing about the , what I give importance to for the product even though like maybe the battery is slower or battery doesn't last as long when the servicing is really good I don't mind staying with the product


cause I feel like oh okay they're going to take care of me, it it's a bit like parental I think like like looking for a parent for your device ya , so so when they take care of me I'm like okay I'll stay here ya so I think that's the only reasons


correct, ya ya exactly ya so what what what is the product that you think is closest to you that lasted you quite long


it's former ya and former ya, ya


ya ya I can relate actually I think, money ya ya which I think when we were younger we couldn't understand


ya ya ya we always just went for the cheaper more affordable option , I think now we put in more importance to quality


do you do the same for like cosmetics and skincare, ya, it's okay don't have to lie I can see all the blemishes no


no like do you have any like specific products or anything that you use, like did they stick to because of like lasting and all that


okay ya, lazy ya I think


ya I think mine is just moisturiser that's the only thing I'm started since, my skin first started becoming bad but recently recently when I talk to, I think mine was mostly because I like to peel off my pimples which is not a good habit to start with


so because I peel off my pimples I have blemishes and dark spots so because of that I got moisturisers and, just try to like even the skin tone usually the products that I try to find is to even skin tone so recently I've been like talking to a friend to ask like what is your skincare routine what would you recommend


and then she recommended me like three to four products to use just for my morning routine and then another two products for my night routine I was like no I can't do this , so I told her give me like one product maybe that I can include for moisturiser , so that's the only thing so now I try to use the other product but I keep forgetting cause I get out get out of the shower I wash the face it just I just put on moisturiser then I realise oh I'm supposed to put to the other thing first


ya so it's like effort


taking care ya ya ya ya ya


I've never use sunscreen my day like, you bought it but did you use it, ya precisely but I think my moisturiser has SPF something which is so I'm just going to take it as I'm using it so whatever


ya ya yeah ya exactly, precisely but honestly when I speak to like my parents or my grandparents cause they have really good skin so when I ask them they said oh I've never use anything in my life before because even like ya so then I'm like why am I using so much why am I spending so much money right ya and


correct ya, so now I'm actually trying to reduce


using like makeup or skincare in general and relies on water, ya COVID have fast, precisely I think my skin recovered, ya ya I feel so too but I think I drink


more water I just drink water, I'm trying to rely on water for skincare yes , okay with with the ya I I think wash your face with water and also like just drink water, I think both helps a lot compared to all the skincare products


ya some I feel are scam so I'm not sure


ya and sometimes when we asked them their recommendation they give a lot I'm not sure if I can trust their opinion or they just selling it to me ya so I think that's my concern with skincare, yes makeup free


finance so Faz do you have a savings account, !wow!


I actually had the account created in primary school but it was pretty much managed by my parents so I would say ya it's to my name but I didn't use it much yeah it was I think , called POSB kids or something which is like the it your introduction to banking at that point of time so it was really fun to have a bank account


uh to be honest right I think the fact that my parents didn't give me a fixed pocket money for a very long time it was more of like when I need it I go and ask them so I never understood the concept of saving money and stuff


like how much I should save how much I should like spend there was no budgeting and all this kind of stuff so yeah this is quite elite, maybe in the JC time so till then I didn't really get personal like financial freedom in that sense because my parents are pretty much supportive of whichever expenses yeah


yeah so uh I think for the past few years uh ever since I got control of my savings account I've been relying on debit card so debit card is the way to go right now with all the paywave and stuff so it kind of makes life easy for us right


so is only very recently I decided okay maybe it's time to get a credit card so ya how about you have you consider getting a credit card


(mmhmm)


right, , right I heard, it's as good as yes correct ya


alright got it, oh ya ya ya ya, those which are specific for use correct ya , I think the reason why I decided to get a credit card was that a friend of mine mentioned to me that


even though you don't use a credit card if if you are not using your credit card extensively whichever purchases you make on a debit card you translate it on to your credit card right I think it affects this credit score or something which I wasn't aware of before that , so I thought that okay why not like as in I'm just translating all my expenses from debit to credit so that's how that happened then ya so that's the reason why I was like


uh they usually sent emails actually that's a good thing I think because everything has been like kind of automated you don't really lose track of paying your payment and and for a fact uh I think we both don't really spend that much so it's just a translation of what your debit spending into your credit spent credit card spending so the fear


ya I just use it for everything ya so ya and and if you hit like a minimum spend first of you still get cash back so it is pretty good in that sense ya, yes you could consider I guess is if your fear is you're not going to pay on time I will say set reminders and stuff now so


that can help ya, ya so ,


, ya partner , I think that's more something very futuristic but come off my head ya I think I would but don't know what proportion of the salary would be a shared account like I think that should be very dependent on who you are with


they might have different ideas like oh let's split out money put in different places some might say let's just have a controlled stream so I don't know how about you how do you see this


ya that's true benefit of doubt, correct, but


ya, ya and also you have this aspect of like if someone is earning more and someone is earning lesser there's the I I contributed more oh so shouldn't I get a like a better share of the joint account and stuff ya


exactly yeah, and yeah it wouldn't be fair ya so it's very hard to budget as a properly a couple who is not living together because you have different aspects of expenses you can't say your partner's money is yours at that point of time at least


so ya yeah that's I think it's a must after that because you have to pay all your utility bills all that like it's much easier to keep track of things right like you can't be like !hey! do you pay or not like either one of you remember and then you can just easily pay but


ya , correct yeah yeah that's definitely going to ease things up, so your your bank account right is it like a fixed deposit or do you just have a normal high high interest savings account


right


I think we are still in the semi adulting stage where we earned but we don't have complete control ya ya, same for myself but mine is definitely not a high yielding uh interest mine is not a high yielding interest I I I ever since I started working because I have a fixed income flow every month uh I was comparing between I think OCBC three sixty account and DBS multiplier


so when I got the DBS multiplier the interest rates are actually good when I got it last year , but post COVID right I think all banks in general are cutting their interest rates quite heavily so I can't remember exactly how much I started with but it has drops very significantly has been like I think two to three times this year where they revise the rates so


as in for my amount I don't think it's much of a change but I think those who really depended on the interest rate right , there really see a drop a huge drop so I guess that is one of the disadvantage of these kind of accounts you don't you are not ensured of a fixed interest rate but I don't really know what's the alternative out of here so yeah


(mmhmm), ah yes frank to three sixty right ya, right right


, ya actually got that then I said that I don't want , didn't , they kept sending me reminders I was like no I don't want then I reject reject reject all the time


my first credit card was very recent I think beginning of the year, then my debit is my ATM card I would say the A ATM card is probably post JC, post JC or during J no no JC times yes yeah I remember we had the DBS paywave that's when it started I think so that's when I got my first debit card ya before that I I honestly think as a kid


I didn't really handle finance yes so it can very shitty cause I was not exposed to all this financial stuff pretty much I do figure it out myself ya, but what do you think is the right age okay our generation was very different our generation was different so


oh ya, correct and and you don't dare use it, and you don't dare use it


a card yes , actually I see a lot of people who are younger correct ya, but I feel like a lot of much younger people like in secondary school itself seemed to be having access to it I honestly don't know if it's a good thing cause


ya sixteen is like towards the end right I've seen people who are one, one to me it's still too young like I don't understand why you need a card on your own so and also not being able to handle cash directly


I I don't know if it's a good thing to make all your transactions E like you know just a card they don't see the value they don't see how the money is being moved , it's just something like I paid it's in my card they don't see how much money they have it's I don't know I just think the concept of money is very different right now which is quite scary ya


exactly, right, exactly


like if you go to McDonald's you'll be like you want to buy a meal then you see there's a add on when you are paying by card you like oh yeah it's just a add on and you just tap you don't realise that you incurred such a high , exactly but if you were to give it in cash you'll see the difference so you just like shit do I need this it's five dollars so yeah I I don't know as a as a young kid do you really need a card at such a young age I mean convenience yeah but I don't know I still feel they need to be exposed to all this kind of stuff


, correct ya, it was a kind of motivation to us yes like it's so like I achievement for you


ya, yup, exactly and also you don't have the concept of putting aside some money because like it might seem like oh your parents will like oh you still have cash it's okay I'll top up when you are lower so you don't have like savings which is put aside


you just using it for expenses so it's quite hard to keep track if I'm not wrong uh wouldn't wouldn't prefer very young kids having it ya agreed with you on that , but but okay let's put aside the kids but now with everyone going E as adults we do have to rely on transactions which are gonna be totally digital right so in that sense like


what do you think would be very important when you get your credit card like you mentioned before there's different types of credit cards right you have like the miles credit card to get point to get cash back so if I were to come to you and say you have to take a credit card which card will you take


for your current convenience ah , ya


right right ya , correct ya ya


ah also the the reason why I even got the credit uh card I'm using right now is because one thing it's it's linked to my multiplier account so I think multiplier account has like a lot of, different areas in which you can be part of to increase your interest I mean this is post COVID pre uh pre COVID sorry post COVID everything is just like even if you have a credit card I think your interest rates are pretty much the same


but when you had a credit card your interest rate when you credit your salary to multiplier did increase significantly so that was the main reason why I first took it and I just thought it's a transition between debit to credit so it didn't matter to me much , but it didn't affect my spending habits I didn't feel like oh now that I have a credit card I should spend more so I think it also comes down to personal control right like you do have like uh unlimited limit right now to be able to spend but it's up to you whether you want to use it or not so ya I think it was fine for me I'll I'll stick to cash back definitely for now


yup, ya you should, but I feel like one ya ya gone gone gone fast gone gone uh


I just feel like one thing which I encountered when I was trying to get my first credit card was , a lot of information is all over the place it's quite hard to piece it together so I think maybe you should refer to like some financial uh what's the thing called uh CGLI or something they tried to consolidate these kind of stuff in a financially way so I thought that was pretty useful when I was making my decisions so ya ya you were saying


uh it's actually on my mind but can I be honest I'm a with that I have absolutely no idea what investing is I just want to see good returns I don't want to see bad days so I don't know if I can ever take investing as an option so ya have you considered it


yeah whichever kind of investing


yeah but which kind of investment are you more familiar with, stocks okay


what what's that about


do do you ohis it what happened if you don't mind sharing, , ya


oh shit it just a bad day oh no, oh no, so that is stocks right


ya, ya the thing about stocks is I have never invested, like I'll I'll master all the courage and glade okay this is the stock , and then just when I'm going to do it I was just like shit no then I realise either I missed out like a great increase after like stepping back or it's a boom so it's too volatile for me and I think I'm not such a huge mistaker I like my money to myself


I need to see my money in my bank account, yeah that's good yeah , never oh no shit


uh stocks will prove you wrong ya, , I do think that uh based on the people I've talked to about finance and stuff they feel that just relying on salary won't get you far you do have to invest but my only concern is everyone is investing there's going to be some people who benefit from it some people who going to lose out