the thing I mean the service I like from them they also have a follow up check, before they closed the case they always have a follow up which is very good instead of hanging there you know there's a closure for that, they even ask us can I close the case or is there any other, enquiries we have


there is something I really like about a source


ya actually their discount sometimes are very good, they sometimes their discounts can go until seventy percent, ya, they used to have discount but now it's like really quite a lot seventy percent is really a lot


ya, above sixty five there's no delivery


, the a uh actually the delivery is above fifteen dollars right if I'm not mistaken, another item for their delivery fee ah, actually ya uh I've not


bought anything yet for her cause I'm not really sure about the size but I think I will start buying


oh what came at the same time, (uh huh) oh okay


so they credited to your account or the direct to the card, uh (uh huh) oh okay okay okay okay not bad


I've no I've never refund eh I mean return back anything ya, it's not easy and ya and their customer service


quality is really very good, ya and they also follow up


I think it's U_S right, !aiya! so very good (ppb)


property loan and stamp duties, okay I'm <P2>hemalekha</P2> today I want to just share with you like


the uh actually my story lah the HDB loan and all that as in like when I was newly married we took the grant and all from HDB because first time buyers then we managed to have the grant for if we buy near our parents' place


so we had that grant the new buyer grant and then followed by deduction from our CPF, so as it was going like I'm working so the deduction they managed to deduct from the CPF and all and then at one point of time when I was uh jobless then I didn't


had my CPF money to cut off so that's when the arrears started to accumulate then had a lot of arrears that we can't afford to pay back so it was over twenty thousand I think the arrears then uh


then started to do odd jobs so HDB actually they help, a bit I would say like like they plan and gave us if you can't pay this much maybe you can try to break down, and try to pay but then it has to be in cash so what happen was uh it was quite some time quite long actually I didn't had a job so instead of paying monthly seven hundred dollars plus we started to pay one thousand one hundred and fifty three dollars so that one thousand one hundred


fifty three dollars has to be by cash that means whatever minus from my, husband's CPF than the rest has to be by cash so we didn't manage to pay that much then recently only we started to pay one thousand one hundred and fifty three dollars


so he went to the state of uh giving giving out red letters ya the fine those red letters they started giving out to like vacate the house and all so we went to see uh M our area MP and all


somehow they managed to help us a bit, so when we start to, pay hundred and one thousand one hundred fifty three dollars the money right started to go down so HDB actually also helped us a bit


ya to pay for the the money as in like they waive off some interest the like something like GST how about you


, okay


now the current flat that you are staying right you have plans to purchase another like downgrade or upgrade are you planning


okay


oh sweden,


it's


like for your parents place right like your siblings already when they're going to get married and move out then uh because for them the flat is very big, so are they planning to, sell that fled to HDB because I think for their age there's a scheme right


ya the house is like like my parents many years back before I even marry they couldn't because of my father's, accident cause my father is the only sole breadwinner so when he was working he couldn't pay the no he had an accident on his little finger then uh he went to a stage where they couldn't pay the CPF money totally


so what happen ya so what happened was many years later it really accumulated, really very badly so it was a peak that they really have to sell sell the house that means HDB wants to take it back because there's no other option unless you rent out your house and pay the money but


that period we couldn't rent out yes the outstanding loan, so what happened was uh we have to ready move out from the house and then they couldn't also because, when you sell your house even though they minus off the money that you are supposed to owe whatever cash they give it to you it's not a very big amount for singaporeans so they didn't had a rental flat as well


so we started to stay different different places as in like we we split we went different places, about five years my parents couldn't, get any flat or rental flat they couldn't even buy a house so after five years then they managed to have a rental flat which even though they want to buy a house now they cannot buy a house


so ya, but but to see as a singaporean not having a don't own home but only can rent a house until their old old age, true


, CPF


let's say now I'm I'm four room flat let's say I'm going to downgrade to a three room flat then I want to sell this house


so in order for me to get another BTO I also have to pay two thousand dollars upfront, oh levy ya my


correct, you mean you downgrade then you have to pay a levy


[orh], same five room flat when I had difficulties paying for this house right so we initially thought of selling away because we can't afford to pay because of me my I don't have CPF contribution so I decided with my husband why don't we just downgrade cause we thought we can go and take those balanced flat


like let's go and apply for balanced flat but HDB rules we cannot apply for you have to I have to clear my areas after I clear my areas then I can decide to sell my flat but they should give an option because even if I sell


my flat my house whatever I sell can cover the areas as in it'll be a bit easier for singaporeans rather than to struggle to pay the areas then only I can sell my flat you get what I mean


okay okay


what about your the auntie the recently she had an accident did she buy a flat, okay


correct that's true ya, to like even the now the latest one was the those older people they actually have to give their house back to HDB then HDB will that means they don't owe the ownership of the house


they have to give back the house so monthly HDB will give them thousand dollars or two thousand dollars that means if they passed on the house don't belong to any of their children, so


they will pay them until a certain years they take over your house and monthly they give you that money but I know like from my husband's friends many of them not many of them as I know two of them the parents are doing that, they can't afford to pay because the father is old can't work so this HDB take over the house take over the house so as like a income monthly I give you for them they got thousand five hundred


ya so the house do not belong to you you are just staying there something like rental lah, so in future ye~ya they the children won't get any share ah for the house


okay during my time uh you know last time they had this hand, cash hand cash, ya my time was like that rebate hand cash five thousands to five thousand dollar to the owner


as in now it is quite strict there's no hand cash right but during those days there was hand cash but my flat was cheap because I bought it ten years ago it was only two hundred and sixty eight thousand for the four room flat, ya


ya now the value's going about three hundred over thousand plus my period don't have, downpayment I don't plan to sell now because we have to clear our areas (ppc) might might it's very little so I have to clear that, so after like my husband's CPF


plus the balance will be cash if ending soon if you are late then your late payment interest charges everything will rise up, ya even the paper fees I don't know why paper fees are fifty fifty dollar plus paper fees what they call that registration or paper fees something like that even for the like the flats you know they built lifts and all are upgrading


ah that also have to come from us we have, to pay through our CPF monthly, so those period we don't have much money in the CPF right so now accumulated everything accumulated so we have to pay all of that off lift upgrading ya


myself because main because that period my husband's friend was an agent so when I was leaving my in-laws he saw these flat and it's quite cheap for the big flat, so we just took it over ya but we didn't stay immediately so that period I was working


ya I had first time buyer grant parents' grant because within one kilometre ya I had this grant so after this grant then plus HDB loan first time we can take HDB loan, privilege ya


and not only that I agree with you but not only that even now you sell our flat , most of the CPF money they will throw I mean most most of the money they throw into the CPF so for like logically some of us when we get we buy a flat we will want some money to renovate our house but now it's not that much uh uh majority they throw it back into the CPF


aside , like that but


throwing too much cash in the CPF is also really not going to help because as singaporeans not everyone has a very big amount of savings when they go to their new home they would want to buy some furnitures, renovate right so


there's this one


when I came here I didn't renovate my house because there was no renovation company that willing to give loan because uh my salary was too little and my husband was only about two thousand I think there's a hit right above


above certain ya so we went so many loan companies even the most small small renovation companies also they don't so my in laws helped me with it, ya


if, you mean past five years records oh okay


that means your first house your BTO flat that one your your loan was approved renovation loan, okay payment


okay okay, [orh] difficult oh okay,


ya now companies also they're providing that even in the block when you renovate your house right let's say your toilet let's say your neighbour's toilet is leaking, it it could be because of our renovation that is not done proper so HDB will step in like my my neighbour's toilet is leaking so I have to redo that means I shift here not even one year I renovate my toilets right I have to redo my toilets that means HDB ya


uh majority they pay some we pay, still have to pay so if you cannot pay yet cause it's sudden right HDB will pay for us first then same they will deduct from the CPF lah ya it's a must ya everything CPF


CPF very important that's why you in singapore ah no no job cannot you have to work, medifund ya that's why true, so I'm just waiting for my arrears to finish so that I can just sell lah ya many years already I think I ten years already


ya ya true


negative product will be


you mean four days you didn't have internet


oh, you uh you


I also have a few one of it is online shopping another one was from a foodpanda I mean I don't blame foodpanda directly because foodpanda is a app that is


helping us to deliver food so what happen was when I was working with uh my old company so we decided to order uh, texas chicken for our lunch so it was someone's one of my colleagues' birthday so what happened was they asked me to order a group like a bundle a group


so I ordered a group a bundle so each whatever orders that they gave I also ordered so what happened was it was an advance order so that because normally you order bigger group, you cannot order too fast right you have to give them time for preparation so it was an advanced order I ordered I think two hours earlier so I gave a delivery timing


so what happened was uh the delivery was about twenty minutes late because our lunchtime we only have one hour so the delivery came in twenty minutes late and besides that, at least half of the orders were missing so at least about uh five of my colleagues


including me lah because I have to give I'm the one that ordered so I have to give in a bit so we didn't had our lunch because many chicken was missing five meals about two forty about ten to twelve pieces of chicken were not inside texas chicken so foodpanda helped us actually


the problem is texas chicken didn't feel any bad about it normally when a service provider when you provide something like that then you order then if something happens they will sure feel bad they want to do something all up but they didn't


so what happened was uh I couldn't I couldn't do much lah but my colleagues were upset with me but at the end of the day it was not my fault but, after emailing to emailing to texas chicken they didn't reply any email they didn't send back any email they didn't reply any email so from then onwards we actually totally stop


ordering from texas chicken that's one experience actually I have many the other one was uh you know wish app, uh wish app I ordered for my for my niece because, normally kids is a bit scary to order online


so I ordered for her a, uh what jeans is that the torn torn jeans denim jeans so ripped jeans sorry ripped jeans so we ordered that for her we, followed the measurement whatever they asked the measurement we followed cause she's a child right so we followed the measurement and I before I order I text separately because they will have a lot of buyers right


as in sellers a lot of sellers so when I text them they told me yes this size is appropriate for a child so when I measure her if it was all like her hip size her waist size and all so after ordering I think that


ripped jeans was twenty nine dollars I think so after ordering that jeans for her it came one month one month plus later understand lah cause COVID period, so when it came right the jeans was very big so we have measurement tape we measured it was not the size that I ordered it was actually times two


so we took picture we we measured showing the measuring tape snap picture and all we send back to the seller until today the jeans is lying here and there is no, message from that seller at all


ya so twenty nine dollars burned so have like that what are the other experience you have,


you mean she's still there she's still working there


[orh], which okay okay, , my mother also had an experience not KFC but one of the polyclinics one of the polyclinics' pharmacist because my mother is like diabetic and she has cholesterol right so she saw a doctor then as usual those normal check up


so what happened was the normal check up after the check up finish all the blood test they run the blood test everything so after reviewing seeing the doctor they will tend to go to the pharmacist to get their their prescription for six to seven months, so she also went so what was her mistake was in for her part


okay maybe their age they don't really know the name of the medication and how many MG they take so what happened at the side from the pharmacist, it was a mistake that means whatever that they uh the doctor prescribed they were given different milligrams she was given different milligram so she went to the counter the pharmacist gave her the prescription to


like okay this is your prescription today this is the increased dosage of your metformin its a diabetic medication metformin like that so she didn't realise that actually often how many MG she take so she also just take the medication and she went back but actually it was the milligram was wrong


what happened was the pharmacist put in I think extra same medication but higher dosage so when my mother went back home she start to take the medication for two days, so for two days what happened was uh in two days


she started to feel giddy you know the symptoms they have when they medication is not suited for you so she started to feel giddy and then uh started to sweat out so she asked uh one of my cousin she's a nurse so she asked her like that happen so she said oh okay where is your older medication do you have any


slip of paper for you to refer to the older medication she said ya ya have so she went to take , that was a different MG and this was a different MG that means it was higher so what happened was I put them and my mother told me I told her to go back to the polyclinic so she went back then she explained to the front counter


so they made her see the doctor again then the doctor say no I gave you exactly the same, and uh dosage as in that same milligram so what happen uh but they they they took this matter down to the pharmacist but before you can see a pharmacist there will be a clinic every clinic has a


nursing clinician they call it sister, so they went through her so her part she I felt she didn't cause not my mother clinic she didn't feel for the patients yet she just said that it could be a mistake it's a you know uh they wouldn't have meant to this kind of thing try not to make a big fuss but my mother didn't make any fuss


so uh when she talks like soo I wasn't happy when my mother shared this with me because she never go to the pharmacist and explain to them that this is what happen you give the wrong MG and all so when her mother told me because I was in the healthcare line right, so I did what I called the particular uh polyclinic so I wanted to speak to someone who is in charge where I can give feedback


so they sent me to the feedback department so I had a conversational call with her to tell that actually it wouldn't be bad I mean we understand people made mistake maybe it's the wrong MG dosage all that we get it , but the way if you are working in this line you don't feel remorseful that eh sorry wrong wrong dosage I'm so sorry we will speak to a pharmacy it it it was not like that so for my mother she was taken aback because something very new for her she said in hospitals also they did


they do like that so it's the service lah even your passion for nursing or passion for anything it also depends on your service how you, provide for whoever


even in schools like now you mention school right I also want to speak about school like my niece since I'm taking over her in her secondary school it's the same thing sometime we call the general office to make uh to give some like, want to collect message to pass to the teachers we need help actually cause the main line of a general office for them is to help out actually


ya so it's not about just products and all but it's also how you help so in school I mean that's the reason people interview you and set you there receptionist so something like that like we pass message to us it has never never happened so I had to personally go and hunt for their teacher like I have to text the mathematics


teacher to ask for the english teachers number and to to go around the bush so there's once I went down personally to speak to her to tell her that uh, it's very hard to communicate because when I call you to ask certain things there's no you don't I've never received calls back from your school to inform me like CCA this


do they have netball CCA today is there a teacher that I can call I've never received back so the most common words they will use like uh oh so sorry we overlooked or the teachers never get back to us, this type of things so it's just not about products or things we buy but it's also the way you serve serve people back


in singapore right in singapore honestly as a singaporean I would uh briefly said this, service line in singapore is very poor because our singaporeans especially we cannot take feedback like we go for a restaurant we eat or we go to somewhere to buy something the moment something is a little bit negative and we voice out like we voice out to tell things


they will never take it positive positively I don't know about your experience but they will never take it positively it's always that they will sulk, show face and say oh it's like that it's I mean I've experienced many time even you go and you go you bring children you go and sit down in you have a restaurant like the recent one I went to Tenderfresh


my nephew's birthday I brought them there the sight of the I mean the uh I understand COVID period so everybody cannot be clustered and sit together so we were separated, so they asked us whether we can go out to sit I'm totally fine I say can no problem because it was not warm rainy day so we went the other side to sit but I told her in case if there's space inside you will notify me I'll go in with the kids because


at the corner at the corner there there were baby cockroaches on the floor because out we were outside already what and then all these restaurants for very long period they never use so there was uh baby cockroaches on the floor at the corner so the children got scared


so while explaining this to her then she uh, they don't panic of it I think they just say sorry the there is already no space in the in the restaurant we can't help you for now if there's space I'll let you know then I also said okay then I still went in to collect my food because


Tenderfresh you have to collect yourself so I went in to collect my own food and come so while collecting I did see one or two empty space then I collect and go back again I ask her, I said isn't there really any she said no no it's so full okay somehow we shifted our own table out we sat with the kids then we started to eat in fact we finish off all the food and all that when I'm leaving then she came to me and say do you still need the


table I said I've already finished my food you came to clear my table I'm already living and you're asking me now do I still need the table, then I told her actually I saw two earlier on but no one informed us but next time you take it, seriously because you have a baby cockroach in your restaurant


if any other people they will walk walk out even though I ordered and paid I can still refund back and walk out because the cleanliness and hygiene is not there but you didn't come back to me to check about these even though me telling you same thing like I told you right singaporeans cannot take she sulked I walked away


ya we cannot expect the children to eat burnt eggs what I mean no one would like to eat burnt burnt eggs, ya, correct


ya I mean everyone same boat lah you all want I also bought one ah because my family we love to eat pork rib soup so we bought one also what happened there was a beetle floating upstairs but I know we know the uncle for many many years but we never make a fuss, because his pork rib soup are nice so we just I went quietly to tell that uh there's a beetle floating


then he say just beetle only what you just take and throw lah I said uncle you cannot expect me to eat the beetle soup I tell you so nicely you're speaking so loudly for others to hear, so he snatched the soup he throw and then he tell me okay I don't want to make for you this you order something else


ya he want don't want to return the money I also didn't want I just I was actually very angry I just say that I came to tell you nicely I also don't want my money back but you tell me I cannot order the same thing order something else never mind I don't want to order from you anymore until today I never been there to order any food in my life


they can't accept that's why I said singaporeans majority is like that all races


positive product review I'm <P2>hemalathar</P2> uh okay I have an experience on my own because I have some health issues like as in a woman we have normally have health issues


so what happened was I needed to start to lose weight as in, the hospital they told me to have to follow up with them, but I couldn't follow up with them because uh timing and not only that from Yishun to travel to singapore general hospital was very very far


so I was just looking around that I can get anything in Yishun itself and all so what happened was uh many people recommended me to go, and start working out at the gym, but then the the doctor did ask me whether cause I'm asthmatic so he asked me whether it's are you sure you can because if you go through the hospital they help you plan meals dieting and all but like for me even though I'm overweight but I still like to work on my feet so uh I got introduced to anytime fitness


so anytime fitness is uh they open very newly near my place which is at junction nine so I just browse there they are so new so I just look at the windows, the glass window panel where they stick their numbers and all so I saw someone sitting there so they came up they approached she was a pregnant lady actually she came out to approach to me then she was asking me then I was


telling her that I just want to share something personnel I'm looking out for a gym because I really needed to lose weight because for my health benefits, then she was explaining then she told her part of the story because , normally not everyone will properly tell their part of the story moreover I'm a stranger to her and she's a stranger to me so she was sharing with me some experience like she also had exactly the same health issues that I have


a very common women issues so she told me not to worry then she also told me to take a package which I can come every day and time because normally anytime fitness is like twenty four hours you can go in anytime so uh I told her


okay so initially because normally any package that you take it's not just about the first month payment you still got the paper fees and all that so she explained to me she even uh she didn't rush me because normally this type of things like for their own commission they will rush you like uh just apply quickly just pay


but she didn't she made she she actually point down she jotted down then she breakdown for me she even ask me don't mind can I know how much you're earning maybe I can help you so I was sharing with her she helped me then she told me that uh my monthly payment was hundred and


four dollars but the initial first month was two hundred and fifty eight of fifty seven because we have to pay a month and then another month uh half month and then plus some paper fees so at that period of time my husband uh supported me


so the first month was paid by him, so she after paying then there's a date that I can start off so when I start off, on that date before I start off the date she will call me every day if I'm not wrong right I think her name is <P2>jenny</P2> ya it's <P2>jenny</P2> she was pregnant


so <P2>jenny</P2> called me and then she was uh telling me that are you okay <P2>hema</P2> don't worry you can you can lose weight slowly but my worry is not really that in fact my worry was a bit of the money then she told me where are you working now than I explain to her where I am working she say can sometime we spend so much money


for unwanted things unwanted food that cost us bad health your spending on something which actually going to cost you something good so through her motivation I joined anytime fitness just like she said I can actually go anytime even if I'm working I can go after work


or middle of the night or very early morning because it's open, so as time goes before she even she delivered her baby she always will keep track I mean she's not a personal coach, I didn't pay her any personal money for her to like check on me and all but I think as a women to women when she hear my stories similar to hers she just make sure that I am okay so she ask me uh because she know that I can't go to the extent of they have personal coach but I can't go to the extent of taking personal coach


so what happen was she shared her, tiny experience she say you tried off you start off with the treadmill first, never ever go and start running first you you you walk slowly first so every messages that I get from her is she's teaching me actually what to do so I learned a lot from jenny walk off with a treadmill then she said you can don't ever think that your arms are week you cannot carry weight there's no such thing


actually building up muscle mass helps you to lose weight even faster so jenny helps me she even told me not to starve and diet myself she said moreover we are singaporeans, asian food is the best especially singapore we got so many, variety for food she said how can you control yourself then you you will start pinching unwantedly so she told me to have one week one day where I can enjoy other food the other day just be a little bit more healthier


so <P2>jenny</P2> always keeps track track of me until before she went to deliver her child she always keep tracks of me she ask me are you comfortable at the gym uh what, uh what do you wear and go then I told her can I wear this then she said can why not then she told me that uh don't feel bad if you see people wearing like really those sporty sporty type of uh uh outfit and then you feel that


you don't feel good you wearing shorts actually <P2>jenny</P2> really made me feel very good so my good experience is anytime fitness <P2>jenny</P2> it's not very hard to find someone like that because, if she was she sounds more like a personal coach you know like I'm paying her money so she's helping me but she's not she she's actually just working there according to her time but she still checked onto people sometime she ask me do you think you have enough money do you want to join some classes


so I'll tell her no it's okay then she say it's fine it's fine it's fine you can go so my good experience was <P2>jenny</P2> at anytime fitness


ya uh my my experience with anytime fitness because after that then we went for the F forty five remember we went F forty five together F forty five daniel right his name, ya, ya because it's I feel that it's their passion like money making everybody wants to earn and make money but these people they know like they don't make like okay let's say like me an oversized person I went into the f forty five exercise ground everyone there was so slim and all that but we we don't doesn't make us feel so bad


because he encouraged like for you he he helped you by saying that your hip is big, so they went all out


ya but like telling like pushing people because, uh there's many of us in the class, so they could have just done uh like kaya butter job but they didn't from my point of view they went to every station to check that you are okay or even though if you are not okay I mean we're not pure membership


there we didn't pay the full membership we were only on trial but they were member they were members there they paid two hundred plus a month, but we only pay forty six dollars for trial so they could have just ignored us a bit but they didn't they made us feel comfortable just like how the rest is so by day coming up


by they coming up ya the way they come up and tell you that you should do this you should do that actually I think I mean customer service ya but it's their passion that actually made up like that


text me that uh this period you cannot go to gym don't worry about your membership fees if because a lot of them, a lot of us lost our jobs so we cannot afford to pay back, so she texted saying that don't worry we can pause the payment or we can pause your what is that uh the membership uh pause your membership that means they give you a leeway a timeframe that you can pay at a later time not necessary that you have to pay immediately


okay okay a source is it


yes yes yes my experience for the dress the wrong size dress, the wrong size dress ya the the, three dresses that I bought remember I shared with you so when I want to return back I thought that I will not get my money back


they refund ya that means, they actually we don't pay any money when we sent them we send it back because normally they can choose if you want to return you can send it by your money but everything was, paid for like they have their own stamps and all so return back I think less than twenty days


they refunded the money and they also email to ask whether you uh if you want to have like like how to say ah like if you like other stuffs, in the future you can always email us first according to your size we can let you know then we can help you that way so ASOS is also really good not only just my experience ya


quite fast ya less than two weeks you will receive your item even your shoe your accessories whatever that you buy from them also every like you don't like it also you return back they'll return return refund you back ya


correct, so if a if a online shopping does like that so people will have start to have that mentality that they are so good to us


they go according to customer's liking and all so no one will do funny things back like if I want to return back my clothes right of course I will return it back very nicely because knowing that a source will take care of us rather than giving torn clothes like you don't do anything against your conscience lah when you


return,


ya it may not only ya correct you're right the email it's quite fast anybody any agent customer service agent they can get back to you very shortly, even like silly things we ask I remember like uh the discount they give discount for address and then they took back the discount then then the discount came back the discount never come but then you ask them when will the discount be but they honestly tell you that uh don't worry lookout for the discount


you will have the ya don't worry look out for the discounts that's why a source actually I've never shop in a sauce but after like your recommendation and few people's recommendation ah, for occasion this year I started to shop at ASOS because I always have negative things saying that uh what they're a bit they are expensive they are expensive but when the quality came actually it's worth paying like this clothes come from another country


how many stuffs you have bought in ASOS


you have tried, have you tried buying shoes because I plan to but I haven't


because my friend told me that ASOS right uh her experience was when she when she buy a clothes, she is scared to follow the chart, so what she did was every dress or clothes or pants they even have pants jeans she want to buy she will email them personally to say that this is my size this is my measurement what do you think so they will advise oh ma'am like this you take this size you take that size because all they can do is just said please refer to the


chart, but they didn't do that so every customer service agent at a source whatever you ask for actually it's like it's like a friend chatting back with you I experienced that when I want to return back my dress with a source, they email you and said so every little thing that you need right they actually go all out to answer your question they didn't brush it off


ya, fully check okay


correct true I also agree like they don't just shut it lah they follow up with you that's why I said that the silly things that we asked like about the discounts given they still say no no no look for it you will still have the discounts ya so a source


the discounts all started because after COVID period right the discounts are very big, but the money you pay right for ASOS clothes is really worth it it's just like buying in singapore dorothy perkins all we paid so we pay so much money but there you ya and then above how much they don't charge the shipping


did ya do delivery delivery fee, so you rather buy another product


did you buy for your daughter do they have it for their size, okay, so ASOS is one of the best if you ask me because I've never really experienced until I personally bought it I've only heard stories like eh why don't you try ASOS you try ASOS but I couldn't afford because honestly ASOS clothes is a bit expensive for me but


after receiving the quality I was like okay if I buy a plus size clothes here in singapore in far east, or like in #chong pang# this type of places they sell plus size clothes right so if I'm going to go there right it's going to be about sixty to seventy dollars


so I'll just bought it at a source according to my size which became so big, and then I had to return there return that and then order another one that came and my refund also came from a source, no as in like my clothes came quite fast


the refund came in less than twenty days the full refund came in and they send an email to uh hi ma'am please check on your refund you have been refunded like that, to the account my my bank card which I used to pay for the dress right so directly the money went into my bank account


the account I used to pay for, ya ya, because I use other online shopping also but the returning the refunding is, a big no has never has never happen for me that's why I was a bit taken aback about a source so good highly recommended a source they keep track with you


they keep up with you they I mean they keep up with you they don't that's why I say they don't like like die die don't reply everything you ask they will keep up with you where are they ah UK is it UK based is it


[orh], it's all they say (uh) okay


part one finance, okay, hai <P2>hannah</P2> okay


I just want to uh ask you a question err do you have an uh do you have a personal uh insurance


no I don't have because uh as I know that #apa ni# uh because like what I I didn't know about, these insurance things eh we just finish our studies right so also like insurance we we need money I every I do feel like if if you want insurance you need the money to buy the insurance


there ya then you can you know you can have an insurance, uh yeah but so far , I just started working so I've never like think about it yet how about you have have you have you start working


no right ya, but have you start thinking about like having an insurance cause like we there's like different insurance right there's like health insurance life insurance


ya ya, so yeah but you what do you think which one is important for us like for our age, cause like right now I'm like as I see I I'm working part-time you know and then as I work part-time I I I might want to


(mmhmm)


(uh huh) ah, ya I I do think so cause like like now nowadays like you can see like there's a lot of


things happening around us right ya no not only our age but then like other people you know around surround us like there's accidents around you know there's a lot of uh you know people you know asking around for like, money cause they don't have that uh enough money to


pay for the hospital bills you know so yeah so yeah I I was thinking about it but, do you know like where can I get or like, do you know does it you you have right what what's your insurance like what's the insurance


life insurance


but like like also there's also like travelling insurance have you ever cause that time you went to korea right, have you have you (uh huh)


I think I will, (uh huh), (uh huh) (uh huh) (uh huh)


(uh huh), the october ya ya, (uh huh) (uh huh)


you did, (uh huh), ah so you didn't you didn't get the money back lah, (uh huh) ah


ah, I, I , (uh huh) I but I I also I think my mum ever had like a travelling insurance and then Macam uh and then like our the luggage the luggage wheel spoil


you know the luggage wheel actually spoil and then actually they can cover it, but I think I remember like they have to take pictures that's also like actually quite a long process lah to to receive I think to receive money from them so that they can fix it for us like I think we have to fix first the wheel


then they will give us like the money back but then when we think again right my uh, I I feel like uh we can just buy new luggage cause ya because like probably if like if you fix the wheel is probably going to cost you like a few know I don't know few dollars


but when you add up a bit more then then and then you going to like, you can get a brand new one cause like nowadays there's like big luggage small luggage for like know fifty dollars hundred dollars you know ya so ya then also I think uh banks also actually have travelling or uh travelling uh insurance


but I didn't remember asking my mum about it but yeah so I I don't know I think that's all I have ever experienced, uh about Apa about the , the err


or is it luggage that luggage ya only only that luggage things ya have you ever like insurance that anything, no , okay then uh how what like the CPF insurance have you ever like used like medishield or medisave


a'ah (mmhmm) I think


clinics also right clinics, cause like my grandparents uh like when they like go checkup then I think is it medishield or medisave, will like pay for medishield ah, is it


because yeah that's why because, what I know is medishield is for like hospital how and then medisave is for medical right small medical like, ya and and medishield is like more to like uh serious illnesses is it


yeah so I haven't I think, ya I don't remember uh using it ya but, but do you think like err CPF insurance is enough what do you think


a'ah maybe because, we don't we we don't use it right because like singapore provide, ya and then singapore provide us like five hundred dollars, right, per year for medishield then I haven't even use it ya but ya so what what


(mmhmm), (uh huh), (uh huh) why, oh oh okay


but are you going but you don't, do you think like you need to go to the dental now, not now because cause of the, the what what thing the wisdom oh ya !ee! I don't want I'm scared


ah !oi!, ya but how much is it have you have you do the research like how much is the wisdom tooth, a'ah


!wah! if you want to is it extract what do you call it extract ah is it like even to extract the teeth you have to pay hundreds of dollars ah, is it , so expensive


uh (uh huh) (uh huh) what, seriously


so expensive uh, !wow! that's it is it like private maybe maybe


, true but also like medishield oh ya medishield covers B uh like all wards right, even ya okay what more about insurance


but okay since we're like twenty like our age, twenty two right would you like start looking for insurance


maybe, true I I think my, ya like my dad I think we have this conversation and then like I think she


uh he he he told me that dia punya the the company actually provide the insurance but I don't know ya so, some companies I think yeah


ya so ya so I maybe like, we we can take health insurance right because you don't know ya life insurance true but then if life insurance it's more to death right like then they give you the money


you think so maybe, I also I don't know about insurance I think I have to take a look it and read more about it, ya okay what more


how what what about like endowment plan what to use it paid I think you take the uh, as like investment no, it's not (uh huh)


(uh huh), (uh huh) but endowment plan is like


like every year every month like you you save like this certain amount, for every month ya is it you think, uh cause I didn't do the research I didn't do the research


really I can ask really okay okay any question for me <P2>hannah</P2> what do you think


oh yeah that's a good question, ah wait I think, wait I feel like, for me I would take terms cause like, depends lah because I don't know like I don't know whether I going to have enough money for the next the next time you know like maybe like maybe when I'm like


forties or something then I I don't work I didn't know I I don't know how about you I don't know, long term life secure


maybe so that does that mean like you have like you you have to have that money right considering,


ya we going to oh ya I think you ever told me right like err wait was it insurance or something when you, uh you you have to cover at least ten months or six months of your work is it, what was it about the conversation we talk about


the six months, investment, ah, (uh huh) (uh huh) (uh huh) uh


oh wait if it wasn't about the insurance is it that time we talking about no it wasn't, oh (mmhmm) (mmhmm) (uh huh)


but I'm just working ya I'm just working part-time it's not, this is enough, or maybe ya true also ya, , wait err how about


do you know about the investment linked policies, do you know about it do you have no right not to sure, ya, ya we we need ya, err


how about uh would you find your own oh how how do you plan your own insurance like would you do yourself or you find an agent,


(mmhmm), (mmhmm) oh you can even ask your, ah and you can even ask your friends and family what do you think ya and about agent do you have to pay


you have to pay some amount what is it, definitely have to pay right, (uh huh)


oh yes correct like you don't have to do your own research they will explain everything to you ya ya correct ya but also like if you do it yourself you can actually like, uh ask your families or friends around that might have like insurance you know then they they kind of know what you know yeah I think alright


(uh huh) (uh huh) oh ya, (uh huh)


I think ya ya I also, but I also think like if you like blur like me right like , like you read also you don't understand might as well you you ask agent or something, ya happy ya okay


what would you have like more insurance like a single one or like multiple you think which one is which one is better for you, as one either multiple why depends on my commitment


oh ya true


, but one actually one is also, like also if like if you go if you only choose one and then you in one insurance it'll be it will also be like better cause like you don't have to like jump around I think so because and then it won't confuses you


if you have that type like it gave you like blur like me , the blur one cannot don't know don't know about these don't know what it is uh read read up also don't understand ya, like also like when I read like about medishield all the medisave like they have all these big words right oh yeah


(uh huh) you understand, right it's like it's like all my when I when I saw the medishield life and then medisave all my social studies


have you you don't when you learn the medisave and medishield, ya ya oh ya but I don't remember them like !alamak! I don't remember about about this ya then ya what more


err I think we , term life insurance or what have we already ask right oh yeah,


what car oh okay yeah car oh what where we what is it about


(uh huh), oh I oh ya cars like if you have like cars, and or motorcycle, I think I I mean like if you buy like my


brother she he just like bought a motorcycle then err, I mean they will ask they definitely ask you to pay for the ya, for everything lah ya so I think everything will be provided


but we just don't know what kind of insurance I don't know I never ask him also what kind of insurance he's getting or something, ya ya okay is that all


negative experience, okay alright, ah, oh okay okay okay


can we start, oh okay do you want to, start, the bubble tea is it bubble tea what is it about what's your negative experience


oh, (uh huh) (uh huh), (uh huh) (mmhmm)


ya ya the the seats the tables and seats, (mmhmm) (uh huh)


(uh huh) (uh huh) (uh huh) (uh huh)


ya ya, what, maybe because is like they have to follow the policies that's why


it became strict strict what is it stricter ya ya, (uh huh) (uh huh)


(mmhmm) (mmhmm) really, like do you actually like they actually served you didn't ask like for the other table they didn't ask


a'ah but they just served, my that's so bad, ah what you did ya oh is it ya ya ya, ya, ya okay ya correct is like the the birthday girl the birthday girl didn't get that's so bad


, (uh huh) oh yes, (mmhmm), (uh huh) (uh huh)


, I I remember that I forget that we remember again , I think, about food


so far, , about okay what negative experience I ever experience err, then say like skin product I think I've never experienced food so far so like skin product I am a can I say no I'm not a skin freak but I like to test out all the products


some of the products mostly korean products and then like uh actually ya I also try the western and then actually one of the products uh make my face breakout a lot I still remember


and uh it was very hard for me to like how to say recover from the, ya cause like my face are quite sensitive so when I use the wrong a wrong product it will take like time to actually recover from there but


ya I but so far I've find a good product so I actually throw that product away actually ya is a product way it it it, suppose to remove your pimples, but actually the pimple not it didn't removed the pimples it give me more pimples


so ya that product is so bad also like I think bad experience I think also like uh drinks oh wait wait now I remember is about food also cause that time I bought uh a drink from a fruit fruit drink stall


and then uh it was like COVID it was during COVID nineteen I mean I don't mind if they really wash their hand and don't even use the glove I don't mind that but the nails, are really dirty ya then the nails are really dirty and then they actually


you know hold the like hold the fruits and then cut the fruits, so, I told myself that I didn't want to go to that stall again cause like you you cleanliness is really important when it comes to food and it's like during COVID nineteen cleanliness is like


like super important now much more important you know and the person nails are really dirty and then like I don't know just just the place is a bit dirty, there so I told my friend like I didn't want to go there anymore yeah


ya I remember it was the drink ya it was the drinks for all very bad ya how about you is there any more like bad negative, uh


(uh huh) (uh huh) (uh huh) uh eh oh


(uh huh) (uh huh) !alamak! then at oh


(uh huh) oh uh


maybe maybe maybe, I I also ever zoom like I ever subscribe to this err app is err it's err how to say like


video video like netflix you know that that kind of app right, then I realised I didn't use it then I didn't want to waste my money I actually unsubscribe it, and then to my surprise I had to pay


I had to pay the the full amount, ya and I didn't know about it so I called I called the the like the like the, telco but it they they didn't really help much cause they can't do anything so like I was quite angry about it because like they don't like like I didn't know about this lah like because


I ever happen to me where like err I was there I tell the person like eh can I I actually unsubscribe this and the person say yes and then I actually unsubscribe and then I have to, pay the full amount so ya so I was quite angry cause is not like is not like twenty dollars ten dollars five dollars it's like a full amount you know you have to pay a big sum of


the money ya ya then also , my bad experience is like I like trying uh bubble teas you know that that one time where there's like the trend the the brown sugar trend and then I try a few


and then , uh I also tried this one famous err I can say not famous like, one the top the top brown sugar you know the most like in uh brand where like they're they're brown sugar uh boba


tea is so good so I actually went to I went there and then the queue was super long and then when I try it, I didn't like the taste maybe it because it was me cause I didn't like the taste but I mean like to queue that long and then with all the good reviews know I when I try it and I didn't like the taste is like !wah!


like I just I feel like I just wasted time the time and I wasted my time to queue and then the price of that bubble tea is almost the same price as the other bubble tea which taste nicer, ya then I cancel and say no


I no to that bubble tea yeah, so no ya then how about you anymore negative experience, you have bubble tea experience also


oh you didn't like the taste, (uh huh), oh you didn't taste the brown (uh huh)


(mmhmm) (mmhmm), also like this one bubble tea shop near my neighbourhood ya the price went up ya it's like the taste the the not not the brown sugar I mean like literary the price went in general


and then yeah the price went up and then the like I mean like, the service was okay just the price cause it doesn't make sense it just went up like to like like fifty cent sixty cents


it didn't went up like like thirty cents twenty cents it just suddenly went up to fifty cent thirty cents eh fifty cents to sixty cents so like I didn't buy there anymore, ya cause I feel like maybe I I mean I can get a cheaper one that taste nicer ya any skin product that have you try that is bad


much problem (uh huh), any any holidays like staycation or items, small items uh (uh huh) (uh huh)


(uh huh) (uh huh) (uh huh) eh uh


(uh huh), (uh huh) (mmhmm), oh (mmhmm)


(mmhmm) (mmhmm), oh , (mmhmm)


(mmhmm), (mmhmm) (mmhmm), correct ya


ya I understand ya ya I I mean it ever it just happened to me like few weeks ago yeah same same thing cause like it now it's COVID nineteen so like they they only gave like there's only like


five people in the room right and they thought that they were like, more than five people, maybe because we made a lot of noise but actually we didn't we just we just playing game and then we just


like, you know when you play games right you study you know know that you know some kind of games like jenga game right when the, you don't want the thing to fall so sometime you just shout a bit right, so, our actually our neighbour like complain to the


hotel and then the hotel actually called us, and then , my cousin actually picked up the call and actually she was quite angry really because we were just enjoying our time there, and we got complain because of like we were just too noisy


ya so ya and then like then we just keep quiet lah for that that that night because we didn't want to disturb, the the neighbour beside, us ya


but it was quite bad ah because like I mean staycation it was is the time for us to ya to enjoy yourself and then these kind of thing happen so ya and then like, oh ya also remember that time err


we went to we went for the trip, the, hotel trip, and then the place was quite bad, the toilet ya the in Malacca and then the the ya and then the yeah I remember that time the place was quite eerie right


ya the, and then the the bed, the bed is quite old also ya you can see ya, correct correct ya ya


and then like actually like, uh we we just went there and then our even our teacher right like feel like, it is not comfortable to be there, was it only that hotel a was it only that hotel and then the other hotel was


the KL hotel what about the KL hotel I ya the the only complain that I have during that that KL hotel was the toilet it was the yeah it was the it it's the, it isn't yeah it isn't the covered


toilet but it was a glass panel ya so anyone that is outside the room can see ya I mean I mean if we it's like your family I don't mind but this is like your friend, it was a school trip so it's I feel like it doesn't is not is not nice I don't know I feel like is not nice yeah


a bit embarrassing ah, (uh huh) (uh huh) uh yeah correct, oh the the the what was it called the not not it's like the curtain right the ya the curtain


correct also ya ya correct ya I remembered that Malacca that's like the, the bed it was so (uh huh), (uh huh)


oh ya ya ya (uh huh) they (uh huh), it but it was a surprise lah because like, err at the hotel the the hotel lobbies it looks okay


ya I remember it was okay until you go out ya you went and then from the outside you feel like the the place the ambience the lighting is like is like yellow light I think I remember it was like yellow lighting right across the across the hall way can see the hallway the the hotel way


a very, oh yes (mmhmm) yeah, like and also the the toilet lights are really dark ya ya, ya ya, is there any more like hotel bad hotel uh experience you ever had


any like korean trip or, , I think I think, the ya I feel like the


ya I think that ya any any (uh huh), (uh huh), good yeah the toilets all that ya ya ya, correct (mmhmm)


correct correct, ya, any any any any more bad items is only the phone was it the phone or the watch


it was only the watch any anymore anymore bad experience on the any item, I'm like thinking right you what what what, I think


!wah! I I it feels like we have a lot of good experience than bad bad experience yeah, (uh huh) (uh huh) (uh huh)


the food it what do you mean like whole the whole place that ah, is like (mmhmm)


(mmhmm), correct [oh] ya correct ya ya ya okay


positive experience, okay okay, err okay do you want to start or I start, first okay what's like oh for my positive experience I remember last year


uh remember we were talking about the the the, the food at arab street, the the malay fusion uh food right yeah so uh I went there during my birthday and the food I remember the food was nice


and then like like you were telling me like how big the food was you know what I right I was talking about right the the amount of it was a lot like you can share that amount to like with your, family member or your friends and then I also remember it was my


birthday that time and then they I think my parents and my mum told them that it was my birthday, then they actually the and then uh when they wanted to like serve they they give you that that complimentary cake and then like ya


ya that complimentary cake right when when they gave us they actually close all the lights ya I then I was like eh eh what happened , I was like eh eh I, because we were eating the food already serve all the food then was like eh eh what happen you know they they


they sang us birthday song and then everyone, ya then it's like I actually feel felt like Paiseh actually Paiseh but at that time Paiseh lah embarrassing lah like eh !alamak! like everyone singing for me


then but then it was a good experience because like like they actually like, make everyone sing for you then I was like treaty one like I'm I feel like I am just too old for this what yeah and then even give that complimentary cake and then the cake was so nice


was #ondeh ondeh# cake !wah! my favourite oh, oh it make me want to eat , ya then the service was so good like like , the food was so fast like they come like after like a few minutes order it like when you order it and then they come very fast like all the experience was so good I still remembered till now


and then yeah and then aside from that free cake the, was it the Selawe the Selawe durian eh Selawa Selawe, durian oh that one that one also very nice eh is it durian or Cempedak ah ah durian ah I think Cempedak also is it


oh the Cempedak is so nice, (uh huh) we just ate the cake ah you get (uh huh)


oh you came there to eat the desert oh, is only the positive ya only positive


same lah the taste !wah! how many uh oh the same place


(uh huh) (uh huh) (uh huh), (uh huh) (uh huh) uh uh oh my god (uh huh)


(uh huh), seriously so nice


where is it , we should go we should go, (uh huh) oh my god


okay okay we should we should we should, also there's uh ya I think, arab street has like a lot of like good restaurant can I say restaurant, or dining ya, ya so like ya so there's like turkish that time I just went for a turkish


delight !wah! like we went up and we get the the second level one and then the ambiance was so good because like the decoration is so good, you know turkish design right, uh I love the turkish design the the wall you know


and then like because I went I went in the afternoon so the lighting like they have the lighting and then what you take picture really looks good so, I mean it's is a, ya so I won't, actually I was feeling like I what I I wanted to go home that time but when I came there I actually like oh I was like to my I was like oh my god


I didn't regret going there, so ya and the food was like so good because they, they also serve this uh something like, pizza is like a pizza, kind the food pizza food it taste like pizza but the bread tastes like


Naan you know that Naan bread, and I always loved bread and it really taste good and then the the portion uh always the food portions is always like a lot then I also eat the Nasi think is it like #nasi briyani# was so good and then uh they also have


like I think it's like a fusion turkish probably like a turkish, western, food I think is like uh, aglio olio eh aglio olio or the cheese the what is it what is it call, the cheese thingy


the spaghetti the spaghetti no carbonara yes okay I don't like carbonara but ya it taste good there, and actually we actually finish all the food, ya so oh so nice


actually we came there to celebrate err someone's uh, bride's err bride to be, ya and then, also uh how about err, any skincare remember last few month we actually uh what what what what into skincare how how's your skincare like you went for wait can I say the the korean that korean


skincare how is it, (uh huh) wait ah, !wow! okay continue continue you can continue talking


(uh huh), (mmhmm)


(mmhmm)


my err experience travel experience, oh wait I, thought it was okay because wait I haven't have a pleasant experience not really , ya wait let me think maybe


ya I think I have, like I went to Bandung that time and then err we went uh we went in a, small family group yeah and I mean it's good we went, we we went with an agency err usually agency uh


I heard agency ah like you can't you can't decide where you want to go right they will decide it for you but actually when I went with the agency I get to explore a lot of places then I also we went to I always love nature


so uh we actually before we went Bandung we actually went Puncak so Puncak is like like a hill they call it Puncak because it's hill and then like uh it's really , the place was really nice and really cold uh we realise that we arrived there that night so uh it was raining so so cold and then we get to eat at this one place


uh the uh and it has this indonesian vibe and the and then the food was nice oh and then the place uh we went and then we after eating we went to the hotel and the hotel uh, we didn't get to see like how it looks like because it's already at night right but in the morning where we had our breakfast


the places was like super nice it has a lot of greenery and then like with with with the greenery and, the good weather !wah! I still remember , I if if I ever like if I have uh if I have the chance to go I would go again and then we went to Bandung also Bandung also is quite I can say like it's not


cold cold but then it can is not hot, is like windy in the morning it's like uh breezy, oh also talking about Bandung also I suddenly remember about the Sarawak


oh my god if not the Sarawak the Sabah ya wait continue about the Bandung ya we went to a lot of, like scenery place like uh like where the food where we go like you like they have a lot of like good no no good


places and then like ya so we went to the uh, village the the rural uh is it call rural site like the village there's plantation ya like they have plantation there it was like rice paddy rice field


I actually took picture there and we also went to like tea uh tea plantation we went there just to take picture it was so nice, ya then uh I ever went to Bandung before with my school that's why I recommend my family to go there so ya it was so good


I just like the place because like it's like uh it also is like uh a fashion heaven not fashion shopping heaven cause they have like ya is so cheap, I I won't say is so cheap but is cheap like that time uh there's no marie claire I don't remember having marie claire products here so when we went there they they sell bags so like the bags like


quite affordable you know they they also have these like one for one so ya went there to shop then they also have this I think was it bundle shop, or I think like can I say like counted not no I don't wait what what is it called this one brand was it ralph lauren or wait polo cause I remember uh


I I know like these indonesian they also have uh they also have this they also take this uh ralph lauren Punya brand and then uh they, this uh they sell there cheaper lah so I don't buy that from them but ya but it's a shopping heaven ah Situ there


also like Sabah when when we talking about this I remember Sabah #kota kinabalu# the scenery oh my god remember, uh yeah even though we went we we didn't go together yeah wait which part of #kota kinabalu# you went


why !oi! the cow remember that what it is called what farm ya what farm dairy farm is it something got to do with dairy farm or something I think


ya I think, oh my god the ya the chocolate mix so nice but I didn't get to eat a lot because I scared I got stomach ache so ya, I I I I scared lah and then I didn't, go so err I


I I tasted a bit and I regret it cause like I didn't get like, a full size for myself just because I'm scared I got stomach ache after that ya, but it was so good and then when you take when when you take picture there it feels like you are at the new zealand ya


yes yes yes I like oh my god I miss that place I also and then, the actually the cow looks really good right it's not like the normal brown cow but is the black and white cow have, you did you went to the, factory the cow factory ya so they show all the


really I didn't, oh and and then then also have the farm where you can feed the baby the the baby goat were were it call the baby goat ya


oh my god I also, feed the, , ya I feed the the baby goat was it called baby goat is it okay yeah they so cute and we have to pay for the milk right ya


so it was so good and then, which place uh I went you did you stay there like the Kundasang kota you did ya the seat wait but you ya I went to this uh resort then it looks so good and it's all about the scenery and the


and the what's it called the the atmosphere and the the weather the weather there was, so good did you went to the uh uphill the mountain mount Kinabalu you didn't


I I went there yeah it was so good I I mean I didn't climb up the #kota kinabalu# but I was quite you know I was there you know I can see the mountain !wah! is so good, (uh huh)


oh ya Krabi we actually is so funny, that we went to the same place but ya ya, (uh huh) oh ya ya ya


ya choice yes yes, oh yeah also they also tell like okay like old old old old man cannot


climb don't like ya that that, ya that that path can't remember yeah yeah that's right and then I also went to this hotel is not just the normal hotel but is the Halal hotel so they provide you it they provide you Halal foods so you don't have to worry


but at Krabi you don't have to worry because there's a lot of Halal food actually but the hotel was so good we actually stay there like for few days and then that one day we, just too lazy to go out so we we ya and then we actually call the hotel service the food service you know order some food and then ask them to like uh ya and then order some


food and then they came then we went and then we also eat I went to my cousin room to eat lah to eat there ya, how about you wait we did we did you already talk about the, korea


but korea it wasn't agency ya, mine is agency it was quite okay the person ya the the person was so good cause uh we already late for our dinner and then,


no no it's just as is a korean girl who can speak english where they meet ya so ya she I think she she can speak a little bit of malay because she always err I mean she she worked with malaysians before


ya so ya and then she actually went to this place to this food place to buy for us uh, was it Bibimbap or Kimbap oh Kimbap is like the Sushi ya so she bought for us


that food because we haven't had our dinner because the dinner was full so she bought for us that food to let us eat it was really good uh services ya I love, I I mean I'm not I'm I like her she's so good then she's so friendly she tell us a lot of like I mean when you go with agency they will tell what they tell you what is this what is this like when you go to this certain place they will tell you like okay this place is a


history what kind of history yeah he was I think she was so good at these and she has like a lot of, knowledge about it yeah like then like what what what do you have any agency before, oh ya you a lot of DIY ya


for Sabah trip mine was not it's like half agency half, not because like the person the agency is actually like our friend like my family friend so ya so they provide us with a lot of good accommodation lah like went to that pretty resort with good uh ambiance with good with good


and it's a really good place ya very comfortable uh very I mean the place was so clean so ya they provide us with a really good pleasant travel experience ya ya that's all


part one finance, hai


, I I think I have I, yeah I'm I'm not too sure but I think so but I'm not too sure about the details of it but like, I mean I'm sure I have


I mean how bout you do you have true true ya correct ya


no I haven't started uh find, not, life insurance car insurance ya


I think


for for me I think life insurance is important and also health insurance ya I think life insurance is more of like what ever happens to you at least like, you know you have a coverage uh also the same for health insurance ah ya


ya our age ya correct, ya true true


ya correct , !ee! uh I


think I, think is I, should be health insurance ah I think I'm not to sure ya cause is I uh is someone else that I think buy for my insurance I'm not too sure ya, ya I've


ya I, think for that trip uh I I I, never bought any insurance because, is like insurance like eh you have to pay if I'm not wrong like I think about hundred plus


so like because is if I buy insurance is technically over my budget already you know ya so we didn't really buy so like for the previous one, the recent one the one uh the the trip that I wanted to go again so we we didn't ya correct uh we didn't buy the uh travel insurance


then I think because now is COVID right then if we bought it back then it would cover back whatever that you know but uh


no but technically when we contacted the agency uh they say they will uh refund us back the full amount ya maybe maybe like because ya ya, I I don't know ah I don't know what's the reason because like we never really bought the the the travel insurance ya so like


, eh ya


oh really,


buy a new one ya


ya correct


insurance


no not that I know of ah ya


I don't think so because, I the medisave and stuff like that, like I mean you use it for like emergency cases also like like hospital or maybe like I think dental dental covers right ya I think so


I think is medishield, I think is medishield I'm not I'm not too sure


hospital ya ya I guess illness ya ya ya correct


for for now I think, I I I think is enough Kot ya correct because is like, for future I think CPF, yeah (mmhmm) I think


if cause recently, uh I need to go to dental right I think it should covers with medisave I think so but I haven't, really like went yet ya so like, we'll see I think I don't I don't know because I the pain is on and off


ya so maybe maybe I need to search on it yeah I see whether it will covers or not ya, not now I don't think so ya I don't think so


ya ya correct ya, ya because like I know, I know for like for dental like wisdom tooth right is for one tooth is expensive so I don't know whether medisave will cover that you know and currently also like I mean the the the cheapest that I know for one tooth maybe like


I ya I, I I think so , no is is more than that is is more than that you know like recently my oh


someone that I know she uh had her wisdom tooth took out both is already like two K plus, ya and then like I think medisave covers it I think ya ya is two K plus, then like ya then like


I I told my uh sibling like is two k plus like expensive then he say ya it's very expensive, because like they only had it I think eight eight hundred plus I think or maybe like seven hundred plus ya, I ya I I think is private ya that's why is expensive ya as long as medisave cover is fine I guess ya


(mmhmm), I maybe maybe because like I mean we start I mean we going to like start work soon right so like you might never know anything might happen


I think


company should provide lah ya some some company might provide the insurance ya, (mmhmm) or and and life insurance ya you might never know


(mmhmm), I ya I I think so ya I think so I'm not too sure ya, ya ya


of what I know endowment plans like a saving like a saving for yourself or like future use so, I'm not too sure I because like, because investment is uh like a I think is uh like a higher risk because like you


you investing money to a like maybe you re-thought about it lah you thought eh like it's kind of worth investing on but then like what if you know you might don't you might not know like what's going to happen if like that thing they invest on is not going to like return any profits for to you lah ya but I


think endowment plan is like a like grow your savings I think, , ya ya ya I


I I think so I mean they have I think they have like, , cause I think I, I think they have like a returns also lah like bonuses return depends on the policy I, think ya I think so, ya I think so ya


you think having like a long term, insurance is, better or like maybe like a short term just for that for like that like that period of time only what do you think


, I think maybe life ya I think I think long term will be better for me lah because like long


term at least like you know you are like somehow, you are secure at least because like if is short like the is a short term then is like, ya I I ya should be lah ya ya I mean you're going to work and then you know you're going to like cover that how the that minimum amount that


yeah , oh no I think


that one is on I think that is like uh like uh like for your own personal like, like, finance you know like at least at least have like six months of your saving just in case like whatever happens to you in the future you know like like now like now is COVID right so like some people


uh they retrenched from work so at least like they have that amount of money to cover them you know like no I don't think so I think, was more of like personal finance ya for that one lah I mean now that you're you know work working so I think it's a great start to I know but like but like you know I think it's a good thing lah to save you know


not to sure eh no I don't think so ya


for me I think I mean, both has pros and cons ah I mean if it's if you DIY yourself at least, you get to research on what kind of insurance that you know you you want and then like you can compare like from this from this company or this company so you can compare the price and what it can offer


ya correct but like I think agent I think agent is more, ya correct correct to the agent lah I mean if, ya and then like I think agent is more of like at least you don't have to worry about this and that at you have I mean having a agent is like a assistant like you if you not too sure about certain things you can ask them and then like they will recommend you


like oh this is this insurance is for you or like or this policy is like better or like you know those kind ya, ya correct correct ya ya ya ya


(mmhmm) I think, if you DIY I mean if you uh source out your own insurance like you have like, a one to one direct communication with the company itself, you know but like if with agent is like oh you have to like ask your agent then agent have to ask the company and then like they have to get back to the agent and then get back to you so it's like a long process and depends on what you


, ya, go to agent ya correct correct


I think, I think multiple ya, I don't know I mean depends on your commitment honestly


ya if like you you know you like only need that one and then like you only have this amount then you own just do one lah one insurance but if you have, enough then you like oh I I think I need this I think I need that then go ahead and do it lah yeah


ya true true


ya true true yeah , true true, ya I mean I I read I read up about it but like I think I mean I understand bits and pieces but like like (hmm) what does that mean


, ya ya ya ya true true,


I think if okay in the future right if like, you have a car something think is know kind of important


like example like if example you have so many commitments right then like which are your like priorities you know first to get, (mmhmm)


insurance right


ya true true (mmhmm)


negative experience, so, okay


so like okay ya, like this no eh eh I think it is the is the recent, is my on my recent birthday like I eat I and my family then like I eat at this restaurant this I think is is a italian


restaurant like I thought because it was recommended by my friend and then she said it was like and she said is good lah the food was good and stuff like that so like we went, and then like I think cause now is like COVID right and then like they have a like minimum people on the


the the seat ya and then I, you you I I when then after that like when we were like ordering and stuff like that it was I mean it it was fine at first then when the food came eh I mean it was very it was very pricey you know and then when the food came the portion was


was very little and then not only that like I mean because like we we are families right like but they are sitting on the other table so like oh we will just passing passing around our food because like I mean not really passing like plates you know it's like oh like oh you come to my table then I I feed you and stuff like that


then like they they like, I think they they saw that and then is like oh you cannot converse with the person beside you and what not oh you cannot have it you cannot have a interaction with other people just on your table, then the the I ya but still like is just like


ya it's like very it's like very strict and then like like we were even like when they serve us right is like is like compared to our table and then the the other table right is like very is very


it's different you know because I uh the other table like they gave they gave ice water and what now but our table right didn't give you know it's like oh we just wait there, ya it's like


they they no but they they serve ya like suddenly like oh they they served them plain water then my sister was like eh how come they get plain water we never get, ya lah it's like it was I mean for me it was horrible lah and some more it was on my birthday so is was so horrible ya


and then like I feel like I feel bad lah because I I I recommend it to my family what then so like , you know like when we go there is like the service was horrible and then like ya and then we we complain on their page lah the restaurant page and what not ya how about you do you have any do you experience any


can skin product


, uh true true


oh ya the


true, (mmhmm)


(mmhmm) (uh huh)


true yeah yeah, I I think oh yeah I I think few in previous


sia I bought I bought a smartwatch on uh online, and then like it it was pricy so I thought it was legit lah so like I I bought it and then like when it came when it came okay it was all right but then like after like a few weeks it started to like uh slowly like the speaker didn't work


then the the the screen touch know the the the touch screen didn't work like slowly it started like glitch, and then by the time is like by the time is like the third week or forth week is like gone


ya because I I thought like cause I I read the review then they say oh yeah like it is is not bad for a like a a small watch lah is like, not bad and somewhere so I'm like oh okay maybe this uh is trustable lah so I bought maybe I got the bad the bad you know product maybe I don't know but ya


(mmhmm) (mmhmm)


was there like a penalty fee or something don't have


ya true true


, oh yeah yeah


(mmhmm)


(mmhmm) true


in terms of bubble tea, I think I have the I think, I think I think, err I have this I think I the the one that I tasted with you it was with you


and then like like, ya I I just genuinely don't like, the brown sugar milk tea lah because like is, it taste like milk like fresh fresh milk you know and then like I mean for me


for me like I don't drink milk so wait when something taste like milk obviously I won't like it, yeah (mmhmm) for brown sugar


in in (mmhmm)


, true, so far, uh so far I don't really have any eh ya for skincare not so


ya true, err, oh I think staycation I don't know whether this is negative but for me is like cause like we had staycation in like in singapore right and then like the this place where they


told us oh no cause we inside inside we were like we had a lot of people like I think more than ten so like obviously obviously cannot right and then like so


they they ask us like they at first they told us like, oh you cannot have more than cannot have more than ten people in, one uh one hotel room so like uh, we like oh okay like like uh we get out okay we we will leave then after that like we I mean we still stay inside and what not and then like I think they like cause it it we make so much noise right so like they


they came back to the room and said like oh uh we need you to get out of the room is like they could have asked us nicely as in like the second time not like nicely and told us but then they like oh you need to get out of room before we call the security that ah then we were like oh okay okay okay like then


to me it was like kind of like a bad experience lah because like normally I mean cause you like a hotel room right and be you a hotel shouldn't you like nicely like talk to I know you told talked to us nicely the first time but like I mean its service you know when it's negative like people would remember


bout it you know yeah


(mmhmm), (mmhmm) (mmhmm) yeah yeah yeah


(mmhmm), (mmhmm)


true true, you supposed to enjoy yourself right ya ya


where, oh in in Malacca, oh yeah


ya true eh even the the toilet was like rusty and what [loh] the bathtub was rusty, ya it's just the the ambience of it lah it's like very old


ya, ya so we we, I


ya ya it was like see through, glass panel ya ya true true


ya, can see inside ya ya, ya


true I I feel like the the hotels with the glass with the glass panel as the toilet right is like a no no unless unless I mean I think unless they have the like a what you call that


ya ya ya ya I think that will be better ya


also like the the the Malacca one like I think the the other tourist heard us like we we wanted to change right and then like I mean for us we were able to change hotel but like for that tourists, they they also wanted to change and then the the hotel staff was like oh you cannot change the hotel if not you have to pay penalty fee and stuff like that


ya it it looks fine until you go up it so eerie


, and I the the hallway was narrow right and then lift was was very small


, I think, no I I don't think other than Malacca


cause for me like cause for me like when when I search hotels and stuff like that right we always look for a better like, yeah so like when when when it comes to like school trip and stuff like that we don't know what so like obviously the the the school will pick the cheapest lah right so like when we don't know until we get there so like when we go there then we know like oh like


ya it was it was the watch ya it was the watch ya, I don't think yeah I don't think


oh ya I think like when you go overseas right like I mean for me like when I go to like malaysia or what not like sometimes the food it like the food it will be slightly you know


not I mean it it it it is is the ambiance ya it's like I mean not is not so bad lah but like you know like sometimes like we ourselves


not comfortable ya


positive experience, up to you anything


(mmhmm), (mmhmm)


(mmhmm) ya ya ya


oh yes oh oh that restaurant , (mmhmm)


ya true , so everyone in the restaurant right !wah!


yes the #gula melaka# oh my god


oh yes (mmhmm) (mmhmm), durian I I don't I I, I don't want the I don't like the Cempedak you mean that time, I the recent the recent the recent birthday right I ate at the same place as you and then like with my ya with like with my friends and then cause we ate already what beforehand so like it's only like we eat dessert ya and then my


I think, err the, I mean the the cake was nice lah as as it the the durian, ya the the the durian one is nice but ya I think you like that


but there's another there's another uh experience, during my birthday also the same thing then but then it was so like not the same place is another place but in still in arab street like uh it was my birthday lah then when I when we came there


like oh we say like how many people there are then like I think we were big group like then they say oh err then uh it was my birthday what so they give us uh like a private, area to eat upstairs and then is like that area was I think there was supposed to be like a live band on top but I think that night they didn't really have a live live band lah so like even like they they told us that oh if you guys want to karaoke or whatever go ahead like they don't charge you you know


then I'm like !wow! ya, I'm like !wow! okay then we like karaoke like we sang , uh I'm I forgot what's the name later yes, it's like I'm like !wow! the service and !wah! is damn nice and then like they sang happy birthday also lah then the food portion is also big and is very nice I tell you we should


go and eat there mission ya (mmhmm), restaurants


ya true true is always about the you know the gram it's about the grams


true true, (mmhmm)


(mmhmm)


I don't know


cream cheese is it carbonara oh ya ya is carbonara ya ya ya, (mmhmm), (mmhmm)


oh ya ya we talked about skincare right


ya ya ya ya I mean, , I mean I've been using it like since since that time that I went to korea and it was like is bomb it makes your skin glow


then like I think, think I mean I've been using like, that that korean brand I mean a different one so like it's not bad I guess because I I have


like combination skin so like they I mean the service was good because like they recommend you certain certain things that is good for your skin and then they test out on your hand to make sure like you don't have any you know like reaction like allergy reaction or something so is like


is good lah I guess means is like, is not bad ya I would totally recommend that brand ya I don't know whether don't know whether, I can say the branding ya so like ya


and then there's there's another experience like I, think I think I went to korea that time like I think they had like sale period I think, ya and then like they were like although like there's a lot of people right it was very busy but then like the


the the the the staff like really like go and help you like that like you ask them like like eh can where can I find these where can I find that then they oh ya then after that they show you where is it and then also like they recommend you certain things which is quite good lah what what what about you


yeah I bet there's a lot right I mean, you mean ask you mean uh like travelling you don't have


(mmhmm) (mmhmm) (mmhmm)


ya true true


ya ya true true


I think so , (mmhmm)


is it cheap


(mmhmm), (mmhmm)


true, oh yes it's so nice, it ya correct


I think I went to the main city and then like I think I went up oh ya I went up ya the cow, is at is in Kundasang is like, have I've, I forgot I forgot what it's called but !wow! I tell you the


the milk is so nice like it's so fresh, ya is very fresh, ya true true true mean I like I


oh ya true true true, in new zealand right !woo!, ya true and then the weather


ya I did I did they they they had, they they had the brown one the brown cow also actually but also the white ya they had but like, oh yes the baby goat oh


yes, sheep or is a different thing , ya true true true (mmhmm) ya I did


(mmhmm) (mmhmm) (mmhmm) I


no I didn't , talking about places I mean you you went to thailand also right for me I did we we I went to thailand and then like


but at different time ya true true but then like I think like because when we reach, there we don't really know what to do right so like I went to this like they had a booth like a person


kind of like like you register what kind of activities and stuff like that so like they they give you they give you a lot of choices like but then is like they I mean their service was, not bad lah quite good because like they they show you like oh if you get this package like this and this is what is included but if you get this one is slightly more expensive like if you do this and that


uh ya ya , (mmhmm)


ya correct correct, and just stay there


yours was agency right I didn't I didn't go through agency, did did you guys have like a translator did you guys have like a translator I mean because it's is in korea so


oh, , (mmhmm)


cool cool


true true


true but, no I mean mostly I DIY myself then like you know go when you reach there then like you you go to that place and then you register and stuff like that ya because like I feel like you know DIY is more like is very easy


[oh] nice


finance part one finance, so Hairus uh, regard regarding uh, property and stamp duty


you, I wanted to ask you about the application for HDB grant when you are purchasing a, when you are purchasing you know like a HDB flat, do you think it do you think it is uh better to uh, purchase


apply for this grants as a married couple or as a single person


that is a that's interesting I I guess that is also fair right because obviously married couples uh need a HDB flat more than single people right


they can always find a room on their own, usually HDB flats are more useful for married couples especially when they are going to have kids right


ya will definitely be inconvenient for both of both parties right


uh I'm sure if I do apply for it , I am I am able to get a loan and of of course I would prefer if I do, I have uh I have tried to I have heard about , DBS giving loans when when it comes to uh HDB flat renovation


ah of of course the, what do you called the hard part, they give a low high a low a lower interest of like around two point eight percent, for for existing customers and a roughly three point eight percent for


new customers, have uh just out of curiosity have you ever bought or sold sold the house before


I guess ya I guess I'm in the same situation lah if I get to do so , regarding a property price I also heard that there is something called an administrative fee, uh during this uh, uh transaction processing


like I think it's if I'm not wrong it is around forty to eighty dollars, depending on the house depending on the size and price of the house of course like I'm assuming like uh perhaps maybe a three or four room, three or four room


three or room perhaps maybe it's just a, since the range is around forty to eighty dollars I'm assuming , the three or four room flat fee will be around forty and maybe the bigger flats like the executive, uh uh probably eighty dollars


oh ya I think I've ya ya that's what uh ya that's how real estate agents make their profit right, ah okay okay that make sense because when they sell the buyers is obviously making a profit so that makes him that makes the agent more


what do you call what the word, he should get a bigger portions since the seller is also getting a bigger portion right


have you ever thought of investing in property though


I've actually been hearing actually it looks like it's one of the best ways one of the very good ways for wealth accumulation, I've heard a lot of people who made it big by just by doing this, however there is something called uh stamp duty in singapore where, where


it may or may not make this a harder actually, it looks like when, stamp duty is something like, a, another version of a property tax where, when when people bought when whenever some


whenever someone buys a property in singapore they have to pay this , thing called a stamp duty and it looks like, for every property you buy you have to you you have to pay this amount actually


I also heard that sometimes the, the implementation of the buyer's stamp duty can be really high, so I'm only not I'm I'm just unsure if, I would still continue to purchase, property if if the


the stamp duty is too high I mean obviously it doesn't make sense if the stamp duty, uh outweighs my return of investment of the property right, ya the loss will be just ya


(mmhmm) as in, are you do you know if it's possible to use a CPF or the downpayment when purchasing a house


so twenty five per cent is the down payment and then so what percentage can be used to what how much can we use CPF for, so the other five percent we have to fork it ourselves ya


ya well okay at least that's only five percent right majority of it we can use our CPF


would you rather apply for a HDB loan or a bank loan, I see I see why is that


oh I see I see so in that, so in that sense is to be rather more lean


I was actually overhearing a debate the other time regarding fix it and fix fixed loaned fixed loans and floating rate loans interest packages, I, honestly I'm may not in a dilemma right now I do not know which is better


do you have any I mean like, for a fixed uh you know like a fixed rate


okay okay so the basically the floating rate might might go down, it might fluctuate, okay okay, but that is a bit of a risk also right because it might just like how it goes down it might also go up right, so I guess this have to make a wise decision there


uh as of now I only have one however I am aware that uh, there is another bank that gives about, uh three percent annual about three percent annually interest I was quite in, intrigued when I heard that, although I have not created an account there yet


I also heard that uh DBS bank has something called a multiplier account right


well generally because because of the whole situation I barely go out these days actually, so , because when I barely go out


I would say less lah actually because I generally go out lesser, I guess maybe just uh, I practically just go out, just to buy food honestly to be honest I mean that's the only reason why I would want to go out I mean that and maybe groceries aside from that I don't really see much reason to go out these days


oh I see I see, oh so basically you order it you order


oh I see I see there's a different perspective it's quite interesting, so I guess there's pros and cons for this current uh


uh actually to be honest, I'm not sure if I'm ready and I don't even personally I don't believe I'm responsible enough yet, ya like psychologically speaking we can get addicted to the idea of uh overspending you know we we won't even realise we are doing it


like if you want to keep a credit card you really have to make sure you're discipline and responsible you have to make sure you pay off everything , and by the end of the month by the end of the deadline right


I mean uh, it wouldn't be right for me to say it still too early for that it's always good, idea to, start planning early for this kind of things


I do have some rough idea actually I I have been reading, little bit uh a little bit about it but , I'm just not so where exactly to invest it in I'm not I'm not sure where it safe right now especially because of the current pandemic you know the entire money is shattered


of course if you better make sure you find out every single thing before you do it otherwise, it's risky lah it's risky


uh based off what I read from uh rich dad poor dad I would say, sometimes, a lot of people think that when they, wealth is how much they earned but honestly, based on what I've read I think it's more of how much you've keep


really because a lot of people, do think when they earn a lot they have a lot but honestly it's, I means what's the point if you earned if you earned so much but then you spend so much then I mean let's be honest doesn't it defeats the purpose


because after all and the also when it comes to income tax as like you ask the the more you earn the more tax you pay right, like after all our tax is based on how much we earn so like, the more we earn the more tax we pay


but however I I'm also aware that is also very important to all this sight far side line incomes you know what I mean like, to, to not to not only to not just depend on one stream


every single time before we, we, we purchase we make a purchase before we spend our money on something may maybe we can just ask ourselves like, uh, if we if we really need it actually


ya ya I guess it is a good idea, I'm just looking for interest, like, currently just looking for what type of shares are safe to purchase, because of I mean I I I like the theory where


like, I like the theory where we have to ensure that uh, money is still being made somewhere even when we sleep, like I mean that is a metaphor for, for the


for the purchasing of stocks and shares you know, oh ya ya of course that is


although the price of the car that centers sometimes, the and the rental and everything , might this depreciate their profit right


I guess it's interesting talking about this kind of things once in a while right, for this important to keep up with the latest happenings in this matter


I guess it depends individually all different people see it different ways by the way it was nice having this conversation alright


part three negative experience, !hey! Aresh !hey! oh so


so have you had any like a bad experiences recently with any products consumer, products like you know


ya hello because uh checking with you if you have any uh like you know bad experience recently, you have any like uh products consumer product for customer uh services


ya ya I can hear you can you help me Aresh


ya I'm I'm still here ya


they actually spoke to you that way


!wow! that is, you know how that is this unfair


ya , uh I don't remember there was a one point, one point of time where uh my uh, internet services , and basically my uh internet services and my phone mobile services was suddenly cut off


by uh StarHub, the worst part you it was when it was uh during an exam examination period in school and I just can't imagine how stressful that can be right


and you know what's the worst part I mean, I mean, the worst part was that I mean I I I understand, the reason behind it but still, what happened was I actually , okay I actually had a, a false uh transaction on my uh


ATM card, so what happened was I I call the bank up and they said okay sure no problem we will just have to make a card replacement and then give you the refund of that, money, so because I made a refund because I made a change of card apparently uh StarHub


was unable to uh bill me, so instead of like uh like uh clarifying with me, clarifying the, the misunderstanding with me they immediately went, and just simply conveniently just cut off all my services and I didn't I wasn't even aware of that


, I I just feel that that is this I mean like I've I've been a like I've been like a member of StarHub for so many years I've been always very prompt with my building and my equipments the, first time something goes wrong and they they don't even bother to check they just straight away just cut it all off suddenly I'm like I'm in the middle of my online exam because you know nowadays like uh our exams are all on Zoom right like a