like on your end, yeah so I actually bought like this singlet, cost like, the the actual product the actual product on the website it's the real website is actually quite expensive ah it's like maybe forty plus dollar but the Shopee version was like barely ten dollars so I was like it looks nice then I read the reviews like (hmm)


it looks nice ya then when it the item came it the material was like, very very bad like very very bad, it felt it felt like a rubber band firstly and the material was very thin it feels like right when you wear it right it's like you are not wearing anything so like basically if you wear it out you basically


wearing out naked lah so I was like ya I was quite disappointed with it yeah but I when I came to think ya I only paid ten dollars but I paid ten dollars for nothing you know so so basically you lost ten dollars ya


yeah , meet ,


oh my god it is it is it those kind of like, is it like


holes holes,


, yeah actually I, actually I have another bad experience ah but I didn't buy I didn't, buy shirts from Shopee I bought shirts from like ezbuy so you know like ezbuy right there's like like this sale ah that always like they always have this cut down price then a lot of people have to like


go and chop the price or something I don't know is it real or is it just like so that it makes people think that you know it's limited so people have to chop it and buy it you know that kind of like mentality, so I did lah so basically like there was this shirt they're selling at one dollar plus


so basically I bought a few I bought a few like, , a few, option a few like colours of it like I bought like maybe white black grey you know like those so


basically I bought the bigger size like I bought the bigger size ever on it because they had like this range of like sizes right that is like, too big it's like from XXXS to like five XL then I'm like !yo! like what do I choose like I don't even know and they never really give like


the the measurements and things like if they give the measurements I would, I'll be like so much it'll make my life so much easier like I could like go and measure it you know like before I buy but it's like you know like it's a gamble like I have to like choose a size then it if it comes nicely then it comes nicely so basically I ordered three


three weren't my size those three weren't my size, and the funny thing is those three came in different sizes, I ordered five I ordered five XL then another came in like four XL and, if I'm not wrong another one came like even smaller then I couldn't wear also


so, like the one dollar that you spent is like literally of like like you say lah like, it's you just putting your money there and see if it comes back nicely or not, so that's what I hate about like you know ezbuy seller, and you cannot really complain about it what do you want to complain for one dollar


right, right right right so, so, so then I tried my luck again, I went to order like two size down cause I believe the two size down was, the one that could fit me


so I ordered three different shirts again, eventually, two were then two of them were my size and one of them wasn't my size, so okay lah but I mean I got I wasted, in in a total of six shirts


four were wasted , I wasted four dollars, yeah so that was like one of my, and, the thing was I waited like almost like two weeks for it so imagine like two weeks two weeks that makes a month nah right


so yeah that was one of the worst experience ah on ezbuy but and nothing else ah yeah what about you, it could be


oh why not I just ask you a question , okay you know RP, name the worst food you ever eaten in RP worst food, which one


south ah south canteen, how come how come okay


(oo) okay I know what you are talking about, oh man bland ah


okay okay that's not the first I heard yeah (ppl)


part two positive product review, over the phone nah


honestly I don't have I don't have a experience over the phone but maybe like like through texting you know you know when you buy Shopee right, I think you are very familiar with Shopee, so basically ya so basically Shopee got this helpline where you can approach so basically they categorise the shop line uh the the the helpline to like what kind of needs you need like sometimes you


feel like the item is like not good enough then you can go to that section if you feel like your item hasn't reached you yet you can go to that section also, so basically that time when I bought like, five pair of socks


I bought five pair of socks don't ask me why I bought five pair of socks so basically I bought five pair of socks it was supposed to reach within one week, however after waiting for two, weeks the the socks didn't came, and on the on the day after that two weeks the one package came


and the socks , came only one pair of socks came and that pair of socks wasn't even the, the the one that I bought it's like it it doesn't even look like the picture, yeah so yeah so basically I paid the for the item already so I was like !yo! I need a refund then after that


ya then after that you you know Shopee Shopee has like this use like this like, this part whereby like you can like man like refund press the refund button or something, ya but the thing was it ya but the thing it was


the thing was like I I already accepted the the package already so basically they think like the package has no problem so I couldn't refund it so after that I searched online like is there like any Shopee helpline or anything ya so it turns out there was a there was in one of the


so basically I I actually messaged them like !hey! I need a refund, and, because like the wrong item came to me and the seller is not replying and their customer service was like top notch ah they gave me like like hourly updates they told me like if I'm not comfortable with comfortable with this I can sue the person I can


I can sue the person if I want to, ya but I I didn't wanted to make this a very very big thing ah so I just said that maybe you just kindly refund me my money and I will let this thing slide because I mean the time that I took to wait for this item hoping that I will receive it was like wasted lah


because all that was for nothing, yeah so, I think I really like the the customer service for Shopee like they are very engaging, they are very helpful and, they are always like you know understanding like in customers' point of view and they do not like they do not like side they do not side at uh whatever like they do not side the customer or they do not side the seller so they are always at like the the bystander's point of view


ya ya so basically they get both side of stories then after that, then they will make a decision so that's what I love about it ya what about you describe a moment where you have like this positive experience same as, me yeah for me


!wow! you are asking someone that doesn't drink bubble tea, but I'll give you my, honest honest opinion, so basically I think, the favourite it's the my favourite go to bubble tea will still be Koi


Koi ya ya ya Koi ya Koi Koi or I don't know okay so basically I think, every time when I go Koi I will always order golden bubble milk tea, yeah, because their pearls are very attractive


like like, you you know like every drink right when you pay when you pay for like Koi right if you want like extra if you want like pearls you have to add on and golden bubble milk tea it comes with the price and it comes with lots of, pearls


then you don't have to pay you don't have to pay for the pearls it's already inside the price, now I'm saying like it's like you know, it's like, you get like two, in just one price and you know like other like like what you just mentioned like what what was the drink


what's the drink like that you mentioned, ya you did okay like what would you buy in Koi ah ya green milk tea green milk tea, by itself is so expensive then if you add on pearls is gonna be more expensive


so obviously we choose we choose the cheaper option, yeah (hmm)


true what oh


okay but uh let's say let's say if you have like hundred dollar to spend like what would the what would you buy like what milk tea will you buy like what bubble tea will you buy like any uh, (mmhmm) ya


yeah believe it or not my father also owns a Koi card, he always buy Koi he buy he drinks bubble tea more than me that shows like his interest in bubble tea like is way more than me ya he has a Koi card ya so


I think honestly I would drink


tea like milk tea, milk tea is like better ya cause like I I have like bad experience with coffee man like nah so, yeah yeah honestly, ya talking about starbucks I think starbucks would be my go to coffee place cause yeah it's it's still like it's still nice like I like their frappuccino


yeah nah, honestly I feel like mcdonald's ya ya ya ya it's like too sweet for me ya I when I drank it I was like, man it's it doesn't taste like coffee anymore it taste like you know like


sugared like like over overly sugared coffee, you know so yeah why not


one item that I purchased recently, so, oh so basically recently I bought this phone casing, from Shopee ,


it's not a very it's not very long review like I just really like the colour like of it like it was if I can show you right like it's a white, yeah white colour, yeah white colour kind of casing and it's like


very soft like I like the, interior their interior has like this material it's like wool material then I always like to touch the material like it's quite weird lah but I like touching the the soft parts, ya and the good thing about it right is like let's say if you spill something like on your cover right you can just take a tissue and it can wipe it can wipe wipe it off


like you don't have to like you know spray so many things to like make sure it comes off, it comes off naturally yeah so what about you,


yeah got a question I got a question is it the cardigan that you wore that day like


to the, oh if it if it was that one I will be very surprised and I will be no no no I think I think it's very good quality ya but I haven't I, but I haven't seen I haven't seen your I haven't seen your Shopee one


sure sure sure sure


why not I ask you a question you have been asking me a lot of question so basically uh can you describe a time when you had like this nice nice, dinner, dining experience it could be anywhere it could be a hawker centre it could be like a fine dining restaurant it could be


just your normal kind of go to restaurant yeah tell me about it, yes yes anything


!wow! very interesting I also went to like this this korean BBQ restaurant


I forgot the name about I forgot the name but I I know that restaurant is at, uh #tanjong pagar# like it's a like five minutes walk away from #tanjong pagar# I think it's like exactly the same it has like unlimited meat then the side dishes you can like reorder if you want ya ya I I think I really like


the like the pork pork belly especially I think well seasoned ya and the beef as well yea ya ya ya I agree, sure sure sure anytime


a bad experience, uh Shopee is it, yeah something like that, honestly I don't really use any skincare products


like I on I only use , like my face wash like in everyday like usage like I will just wash my face like two times a day and the rest of the day I will just wash it with water, cause I always believe like you know like putting too much chemicals on your face actually making it so like bad


but I mean like there are products there are products that are very very good like they have like a lot of chemicals in it but they actually help people skin to get better ya, what about you


uh no I'm not saying anything you can continue


just just another question


do you like use like like face mask like frequently


do you think it's important is it is it important to have like face mask like every time if you do skincare,


no actually I don't really like using face mask like honestly like I don't really like, because I don't like the feeling like I know like a lot of people like you know like, the cooling effect on your face like your face like being like immersed in that very very


like moist face mask but I don't really like the feeling of it, like I also feel like after when you take it out right as soon as you take it out your face like evaporates like super quickly like it's cooling but after that your face is like very dry like what you mentioned lah


ya in mine is like opposite ya maybe maybe I'm not buying the correct brand also like my mum always bring back free face mask, I don't know how but she always bring back free make face mask I never really notice the brand but it's always like korean words then after that then I just like oh okay


that might be good yeah, but there's like different type of like like face mask there's like you know like sometimes like there's like aloe vera I think the very common one like got aloe vera


and stuff ya ya ya ya ya ya yeah yeah


I guess, I yeah next part (ppb), yes


part one finance, hi, Zarah do you have any person personal insurance


!wow! you don't have personal insurance at this age, ah I see so what kind of, what kind of insurance are you looking at


I see interesting can you tell me may I already have , personal uh no yeah I already have personal insurance actually from AIA


yeah yeah I know uh uh whole lot of insurance agent, so do you have any endowment plan


(mmhmm)


I see I see, yeah I think it's really good but I think I I need to know more details like for endowment plan right like do you do you like need to wait till you're forty five years old to actually withdraw it or you can withdraw it anytime any age


so what's the pro


okay what kind of , name of the provider and the features of the policy you looking at for endowment


I see, yeah, I think I'm really interested to actually apply an endowment plan for myself like because for to today I ate something and


ah yes I see ah okay uh so basically it's not much I think it's about ten to twenty percent ten percent I guess like cause in a monthly basis it's only a few hundreds, so it doesn't really feel the pinch when when when you apply for that kind of personal insurance so normally when you meet an insurance agent they will actually tell you like


what's a what's a comfortable , cost value that yeah cost that you wanna, put in for your insurance so it depends on your , finance as well like how many percentage goes to this and that and then from there they will actually


choose the route for you, so they will uh go for a comfortable amount


uh yes if I'm not wrong there's a few things that will be will will cover especially, for , terminal illness and the health insurance, I mean yeah, yes correct


critical illness yes correct, ya definitely uh there's this one point of time I had a panic attack and then ambulance


came so it covers your ambulance fee as well, yeah


, , ya so, uh right uh right uh right now at this age we really realise how insurance is very important like especially to cover our backside uh as in like in case anything touch wood anything happens !choy!


so I think like whenever we travel whenever we take the flight it's good to have insurance , and and and and when we, go and where basically anything can happen to us right so I think it's really important that's why we need to talk about this yeah


yup, yeah but I think the there's there's difference between the different providers because like it's there's like prudential there's AIA there's aviva


there's tokio marine or something so I think at the end of the day it boils down to what you truly need, so did you get insurance when you're travelling overseas


uh engaging in commercial activities, (mmhmm)


buy the insurance depending on budget yeah because the percentage is like just like one percent over the nine over the hundred


, K, , usually I go cashless all the time


, I usually go for paynow QR code


next QR favepay and grabpay, so these are the different, methods that I use when I go cashless


I really think that the market the singapore market should actually go digital, for everywhere you go even at the supermarket or the coffee shops because it's much more easier and convenient for everyone


yes yes correct, yes definitely


correct, that's true, yes yes err yes yes that's true


so maybe like cash insurance or savings insurance, definitely uh


I really hope so too, do you think CPF insurance coverage is enough, for your insurance coverage, ya I think


yup yup definitely, ya I mean, I think it's it's enough but I think it also boils down to the things that you go through like if you have a major accident or you have a terminal illness like you need an a big amount of money which your CPF can't even cover


yeah so, so yeah for me at this age I would gladly uh, contribute a lot to my CPF because I want an buy a big house, but


ya I never thought about all see all these health issues, so like I think that's something that I have to ponder about after this after my although this incident yeah, yeah


so what's your thoughts on dependent protection scheme on the medisave medishield life eldershield and medisave what's your thoughts on all these things, oh yeah yeah


ten ten ten children, yeah I might need it for my for my many kids in the future


medisave right, yup


okay so would you like approach an agent or DIY when it comes to insurance planning like since you always DIY your travel plans and everything like do you think you will DIY your own insurance planning


(ppc), expertise and this yeah, okay (mmhmm)


yup (mmhmm)


yeah I will definitely approach an agent which I already did so I don't trust myself in doing all these things and then uh I don't really know about all these things so it's best to yeah seek someone that is much much more uh knowledgeable in this


ah okay so I'm actually not a good saver to be honest , I mean I don't spend much also and I don't save but I don't spend much also so like recently I actually came up with this idea to uh to put aside


my one dollar coins and my fifty cent coins like every time I have some balance on my wallet I just put it in my wooden basket and then collect collect it to that piles up so at least some when I want to change money right I'm gonna have like a fifty or hundred note in exchange of all the all those coins uh


on top of that I actually believe in the like sixty forty, sixty forty ratio thing for savings, eh sorry sorry sorry sorry it's fifty thirty twenty around fifty thirty twenty


so it's like, uh, yeah so like first yeah first when you get your pay you will, use it on your bills first


so your bills first and then your savings next and then whatever that's remaining will be your expenditures for the month, ya so that's how I I am do that and and, eh recently I just started this thing I feel that when you withdraw I mean like I'm a cashless kind of girls so I always use card card card card card and then everything is already linked to your card everything's is like convenient for you right so what so I'm tryna make myself more inconvenient so what I do is I actually withdraw cash


and then like chuck it at some of some random bags so I totally forgot about all about it then from there I won't spend it actually works though, yeah yeah yeah so you just chuck in chuck it in random bag or some uh uh clothes that you actually don't wear since like five years ago or something yeah then the thing


yeah but yeah but (mmhmm), it really works like when you go broke you'll you'll be desperate so you probably like digging up all your all your bags and everything like oh I need money so that's how that's how it it works I mean like it somehow works in a weird way but it works yeah what about you


(mmhmm), yup


uh sorry again


oh okay definitely I'd if I haven't been born or if I I was still in my mum's my mum's belly I will whisper to her and say that she should actually have savings for me, because that's the very first yup that's the for me that's the very first step I mean for your parents to actually save for you cause you were too young to actually think of that


yeah but I think when I'm uh when I'm younger I wish I would have like kept my piggy bank like when I was younger I had I I used to have piggy banks you know like I wish I would not break it you know or you know had like have the habit


yeah so like, yeah so it's like it's good to actually start young and you know , uh, emphasise on the importance of saving


that's true


yeah I think people of our age uh should actually get


uh uh, personal insurance especially for cars as well when they actually buy a car and when they have a vehicle for example I think it's very important because when you buy an insurance for your car it actually covers not just the driver but it would cover all the the passengers in the in the car


so I think that's really important even though it's a lot of money but I think it's really important you know !choy! if touch wood if anything happens, then it actually covers your entire family


yeah


correct, yeah I'm actually on this CPF investment thingy not quite sure how much it has grown but I think it somehow can help you know especially when you don't uh work out with your your back then partner and then at least you have uh a few percentage that you actually invested that is not touched you know


it's it's really an interesting topic to talk about yeah it's very productive I hope you can actually find a suitable personal insurance for the future yeah


part three negative product review, hey Zarah


you bought jewels uh where, (mmhmm)


so what juice initially that you wanted to buy like what what what kind of juice like what flavour


!huh! that's a weird combination !ee!, I've never tried that before my only combination is like mango banana I guess yeah puke on it oh my god


(mmhmm), uh okay for my case , it's about , this


roasted chicken noodles that I just bought just now, it has it has, so many bones , that I keep on biting on it, and and this like


I broke my front teeth just now , because of that yeah I actually bit on the bones can you imagine I bit on the bones till my teeth break


oh my god but I I I'm I'm never yeah I'm I'm never gonna buy there again okay ah I tell you first I'm honestly don't I will never buy there again but the thing is like, it's a hawker okay but , I think for sure when we're younger when we're eating chicken rice or when we eating like all these chicken noodle whatever and the chicken has bones right you'll tend to like bite on it I think we we we will have some chick tip at the back now I then but the thing is it's just like I had bad luck that it actually struck my front


teeth yup, yeah aesthetically aesthetically nice to see yeah


yup yeah, (uh huh)


oh that's bad


so did your teeth came out err a part of your teeth actually came out and you thought it's the the bones of the chicken or what, took it out oh my god


no that's like calcium ya that's that's that is very terrible yeah, yeah that's crazy oh my god thank god I I really I I really have phobia of eating bones right now I feel like I should have bought chicken cutlet or something


or fish fish without bones, yeah, maybe I should


yeah I should maybe I should go on a liquid diet after what I experienced I mean like I'm so scared if my entire teeth actually fall out right now like it's so scary to think to think you know like even when I want to brush my teeth I'm I'm scared it's like I'm never gonna buy from that hawker anymore it's like oh my god it's so bad


, I hope not I really hope not I'm so scared right now I'm so scared I I can't believe that I'm uh I have to experience this it's such a bad experience I'm gonna tell


that it's it's , yeah it's and it's just monday and I already, chip my tooth my front tooth


yup yup I was actually yeah it is it's a it it's a big blessing for me actually tonight I wanted to actually wear the mask while talking but I realised oh I can't really record properly but it's okay it's fine it's it's yeah


yeah and then like it's weird because when I talk okay another experience that I I I actually went through was, uh, this hotel at amara sanctuary so basically the rooms are actually very the facilities are very old so I think at this age right we would want to have something to watch like maybe netflix or something but


the TV is not it's actually very old it's a sharp TV, and it's actually very small smaller than than I have it yeah and and and and the TV is much more smaller than I have at home so it actually shows that they didn't really


yeah so it's smaller than that so , like I feel that hotel should regularly maintain their facilities , on top of that , the doors of the the the hinge doesn't work like it's just stuck there can't even open it I can only open one door when I'm at the hotel so weird because they don't even maintain their doors like on top of their TV they don't maintain their doors


and then yeah and then on top of that there isn't any like spray like for me that's really important when I actually book a a hotel to have a actually spray yeah so it's like it's like you have to go to the shower to actually


wash like back and forth you know, yes in Sentosa and it's like very I mean even though the, maybe maybe maybe maybe they don't they don't want to actually don't don't want the the the sorry the guest to actually open the doors at all to actually stay in the room


most probably but I feel like it's one of my bad experiences because I've stayed there for three times right now and every time I every time I go there it's always bad


yeah it's always one disappointment because because like the first time I went there it's the same thing as well like the door doesn't work and everything , and then like each time I go there it's like I actually have weird encounters like I hear weird stuffs and everything


so like it's really a bad experience for me , oh yeah on top of that for the three times that I go there I actually requested for like a birthday surprise of for for friend of mine so like for all the three celebrations I I stayed there with a group of friends and then I requested like I wrote a a a long email to actually request them


for a birthday cake and a surprise like rose petals or something but uh none of it was uh actually done even though I actually wrote a long email prior to my arrival, that's sad


yeah because like this is not the first time I experienced it it's it's my third time so I really don't recommend you to go there, it's terrible


yeah but but that's the thing, yeah, but that's the thing I think maybe because they're the only hotel like that is affordable that's around Sentosa yeah uh and and one of my one of my uh ex


colleague actually right now is working there and she encountered the same thing as me when she's working so it's really something that it's it's a negative experience for me definitely what about you


I see


so are you complaining about your your, the the wifi in your room what what kind of provider are you using, yup so what what provider are you using currently


I see I see so I guess maybe you can actually check like what's the the uh the, router maybe it's ,


oh no


that's really bad, yeah, I totally agree on that that's really a bad experience like you have to actually get out of your room to actually have proper wifi you know


yeah so may , so I guess maybe your parents do that so that you can actually get out the room more


the TV and the videos that you play on youtube loudly yeah


yup there's another experience that that that I actually experienced there's another bad experience that I experienced last, year like one year ago during chinese new year it was so bad like and I can't believe that it's my last trip before COVID actually like before we went on lockdown


maybe you can share more about your negative experience, okay yup okay so basically like I think uh usually when you actually


book coach to actually uh KL right you have to go through the website so I think me and my family we actually booked that through the website and then when we were there like it's there's actually no uh organisation at all like like there are literally


yeah and they just tell you oh that's the bus and then like


it's so unprofessional like I think that's the last time I ever want to book that brand ever again, yeah, yeah I


ya because if you take the aeroplane is like going to Bali but you were just going KL so I think it's really not a good idea to take a flight during chinese new year


yup and and apparently the bus was not even going to KL the bus was going to Malacca


that is so bad and then imagine if like we were we blindly went into the bus not knowing we are going to another destination can you imagine if that happens


that's really bad it's very messy and disorganised and like, didn't even know what time their their bus is coming and uh what's the schedule that they actually have yeah


yeah so from there I actually told myself that I'm never gonna like book that kind of coach again because like it's so bad because I'm not travelling I mean if I'm travelling my friends it's fine but I'm travelling my parents so this is a really bad experience for them and I think my mum was very unhappy about it


yeah


yeah totally agree it's yeah it's such a negative experience I wouldn't want to experience it ever again,


yeah that's true,


can't I can't remember do you want to like, voice out anything I have to think what else, uh


okay uh yup so I will like to complain as well about my brand of my, fan because my fan it's it's like it spend like of of maybe like, two digit amount on a on a fan right because it's very hot the weather is very hot but then my fan it's like it's not even blowing out lot of wind that's why I don't even need to switch off my fan for recording you know because it doesn't even


at, yeah it's it's like yeah so it's


like I don't even need to switch it off to actually do a recording cause like it doesn't even brings out a a a a large amount of wind as in like not large amount as in like it doesn't even like blow any wind any strong wind yes the strength is just not there and I I can actually live with it for one year now yeah


yeah but I I would like to like just complain on this because like it doesn't really like like thank god like the weather nowadays is like free aircon outside so there's there's nothing to complain about but I this this brand is something that I'll like to complain okay the brand is called tefal so like do not buy this


apparently not for fan yeah apparently not for fan so don't, buy the a tefal fan I'm not a fan of tefal yeah so please do not buy a tefal fan because like it doesn't even give a a a strong wind or any wind yeah


definitely no remote control yeah it's it's it's like I don't even know it exists sometimes it's like absent in my life absent


yeah so, yeah so I think you pay what you pay is what you get so it's really uh I mean instead of me complaining like even though how bad the product is I do realise that I should actually invest on a new one and not this brand


yup


yeah, doesn't serve its it it its purpose yeah yeah it's very unfortunate


yeah so I'm actually do I'm actually going on a eco friendly route right now, yeah so I can yeah I can actually save time on washing my yup all right thank you


part, two positive product review, hi Zarah


oh my god really so rich, oh, !wow! not bad now I'm considering to change to iphone


!wow!


but how's the how's the camera though like is the night the I heard the night function is good right the night camera, improved


so it's made micro it's a zero point five one and two right, eh


yeah, now I'm really considering to actually change apple now that you you actually shared with me how how , uh happy you are after purchasing the iphone that I wanted to actually convert myself to be an iphone user like straightaway right now like much more convinced


cause like I know that iphone is so much better than samsung definitely the but yeah I mean now I'm considering the fact because the night mode is so much better, yup yeah especially when


yeah especially when you know you see an insect in your room then you you can just like capture the moment, so what's what's the difference between an iphone eleven and iphone ten like is it because like I heard it's like the physical as in like the size of the hand


phone is so much bigger and I think it's similar to the iphone four which is squarish is it true


oh !wow! that's so awesome, it's amazing to see how you know steve jobs is so brilliant you know in creating all these devices, yeah


I recently purchased a dyson hair dryer I've been wanting it since forever because my hair is like err, not nice so ever since I use the dyson hair dryer it it dries my hair uh, it dries my hair in a very short period of time like when I when I use a normal hair dryer it will take like forever for it to dry but when I use the dyson hair dryer oh my god I'm so amazed


(uh huh) you might need a dyson hair dryer, yeah definitely


oh yeah I did I have too many let me think of a good one why not you, why not you start first


I can't think of any right now, okay, okay lah maybe I remember I I think I I had a a good time at the uh it's the rooftop in london I forgot


sky garden is that the name yeah I had a good time at sky gardens a good , brunch session it has nice cones and nice tea and the service is top notch


I see yeah


amazing (mmhmm) yeah (mmhmm)


yeah talking about that I remembered uh there's this one point of time I actually had a solo trip to australia, so I was all alone and I took scoot airlines, yeah so basically I was all alone right and then they actually upgraded me to like uh a a seat which has a lot of ample leg space so yup


and then on top of that I actually ordered myself food cause I'm always hungry and then like I was actually amazed by the the, or as in I pre ordered in advance


yup but , I feel like the service the the service the crews gave me is exceptional because they actually did for me #teh tarik# up up the sky it's like in the flight so they did for me #teh tarik#, on the aeroplane so it it really like I think like for me I think I've never experienced in my entire life that's the very first and last time I experienced


that and I I really like I'm really amazed by the manager of the, uh the crew yeah


[orh] okay yeah there's this one point of time a friend of mine she actually booked a hotel which is called studio M hotel yea


and then so I think they overbooked her, and she got a freaking fullerton bay, hotel, with no top up so I think that's really I really think that you should check out the the the hotel cause it's amazing


yeah so I think uh agoda really did, what's that word, , agoda really did yeah fulfill her request and you know live up to their brand


uh , yeah they actually reimbursed her in in that in that way like she don't even need to top up the cost, (mmhmm) (uh huh) (uh huh)


that you were eh that you were finding for it everywhere, it's it's really


it's really a good product no doubt I mean like, like like when I wear it like I think my friends can see me from afar because it's glowing like literally it's glowing


it's like a good finish yeah, actually I never knew about this thing uh when uh my sister actually recommended it to me, cause I yeah I I, I really thought like it's just a


normal normal kind of loose powder I thought it's like normal loose powder but actually it it glows it makes you more fairer than I like that's what I wanna be just fair so like it actually makes me fairer when I apply it, and you would see this kind of glow yeah it's it's it's a really good investment


yeah, and and it's so good that I'm amazed that I still have it I think it's like it's been two years like yeah it's like I have it for two years I think yeah


it's really good yeah yeah, ya I couldn't agree more it's really good , yeah literally


some sometimes when uh I'm I'm I'm so lazy to bring eye shadow I can I I actually use it as an eye shadow, it it it really works you can actually put it everywhere everywhere at your neck at your feet


it's really a good, it's really a good finish


my favourite bubble tea oh my god I have a few though, oh yeah but I'm not a fan of chicha san chen I really I I think I'm I'm gonna stick to like liho and koi, cause like


I mean like even though I'm a even though, even though I'm a tea girl like I feel like it's not my flavour like I feel like it's bitter and all but I want to be unhealthy at times, I need the sugar


yeah, yeah but but chicha san chen ah is not, really sweet it's very tea based and it's more of like tea , so if I go if I want to have tea I'll go to the coffee shop and buy like Teh O panas but the thing is like Teh O hot Teh O but then it's like I won't go Chicha Sanchen for iced tea now


but it's nice because there's a foam there's a foam on top of it like it's foamy, yeah yeah , yeah liho liho really is doing a marketing gimmick I mean especially when they say that it's collagen tea it's actually not really collagen it doesn't makes me


yeah yeah yeah it it does it does yeah so so at least when they do a collagen and beauty tea it makes me feel better buying it it's like I'm gonna be healthy so I'm gonna get the beauty tea


and the collagen tea so I don't I don't feel as guilty you know, when I buy bubble tea, yeah I am a slave to capitalism yeah it works, it's really good


the , yeah like the amount of effort they put in just to brand their brand is like from the cups and the, cartoons at the stickers and the boba tiktok dance challenge like it really shows how much effort they put in and you know like peoples yeah people see that and it works man


yeah it, yeah and and it's like when you compare apple to apple like when you can actually choose to go to a to a coffee shop to buy an avocado milkshake or an avocado fruit juice


you would rather buy buy at liho because at the end of the day like oh my god liho is the best so like, you just go liho instead of going to the supermarket or the coffee shop yeah because like when you, see it it's like so cute but when you compare it with the one at the coffee shop it's like no effort


yeah


and I think at the end of the day as consumers you would want something more aesthetically pleasing to the eye like you want everything aesthetic it's like whatever you eat whatever you consume whatever you drink whatever you do you just want to share it to the world how aesthetically, it yeah


(mmhmm) (mmhmm) yup


that's true I mean even right now bubble tea brands are uh having paper straws and paper cups to actually, ride on this eco friendly journey yeah, (mmhmm)


oh my god, oh yes on top of that I would love Zalora as well because they have a refund policy it's like a thirty day refund, policy so I love these e-commerce websites, it's so good because it actually


opens up open doors for you to actually be more like uh open to buy anything you want and then refund and exchange later you know


yeah like you are not constrained you're not constrained you know to do so , yeah, and Aliexpress is really good as you can actually go uh to Aliexpress to get nice earrings and then people don't even know how affordable it is


ice ice I actually, spend a lot on this earring at lovisa but I could have bought it at Aliexpress sia, options yeah


I, I I love Aliexpress I mean I mean during circuit breaker I realise how much I love Aliexpress and Shopee, (mmhmm)


yup , I I I really think that Zalora is really improving all their customer experiences because like there's next day shipping there's uh there's even like same day


uh same day pick up right (mmhmm) that's true yeah


yeah and also talking about this I actually have a lot of good experiences with the food delivery platforms as well, , like I think it's really important to have that at this period like I remember it was circuit breaker and I wanted to actually buy things from my friend


and I can easily just use grabfood and grab delivery to actually send all these goods to them, yup yeah I mean


yeah on top of that when you're spending you're actually earning points so that's something that actually consumers want, especially when you can actually use you collect points as you go and you can actually use that points that you spend on to actually use it on something thank you so much


part one finance hello, uh no but I'm thinking of getting one I heard like


like maybe great eastern life or, uh manulife, I'm currently considering


uh I'm looking for a good for value private insurance plan as it has below average market premiums, and offers the highest annual limit in the market, !huh!, yeah what about you


oh right yeah, I know a insurance agent from AIA also


exactly same uh, yeah , so so from what I know endowment, plan, is good because I can I'm able to grow my savings and also I can withdraw money anytime cause like if if we do like fixed deposit it's like very hard right


that's what I heard yeah so I think like that's why people tend to go for endowment plan, yeah yeah


I feel like it yeah I it seems that you can withdraw any time any age, yeah, so so so it has like I guess like it's like you have like sort of reliable returns, but I mean I'm not an uh expert but I think that's what it means


I'm still , doing my research so I'm not too


certain of like the policies that, that are there, but yeah I I I I I think they have different schemes for every different, company from what I know


that's unfortunate, okay, so , , good idea then don't offend uh so


what percentage of the of your income do you actually usually spend on insurance cause you mentioned that you are part of AIA right, okay okay I see


so I guess you're also getting enough coverage from your insurance right your ten percent that you are currently, inputting yeah so


so I think that's like, uh or like what total and permanent disability, critical illness, disability income, personal accident, all these can claim ah ah okay for me it's not


just one time but several times when I fly off, and whenever I see a turbulence it feels like I I need the insurance you know and also when I lose my luggage yeah that that's also something else I guess but I mean like I guess


that's, not really in relation to like health which is, more, high risk right, yup (mmhmm)


yeah and all the different possibilities like it's really important to break it down I think, yeah with the insurance agent and the provider themselves, yeah (mmhmm) yeah exactly


I guess like it also depends on the budget of my travels you know when when I'm, going abroad like, I think like that one is very important to get insurance for because , yeah it it carries like my whole life in that luggage right and and of course like who knows what will happen like for like long distance flights


so yeah I think that's very important because like overseas also like living abroad like you don't know what can happen to you in the other country so it's very important to, yeah get the insurance when you're overseas , but I guess like for short term like non


uh yeah I guess there's a tendency to to not really , yeah that's what I I yeah yeah yeah


you can actually take a look at your phone as well uh to think about about these issues, yeah, yeah so , so do you actually prefer to use cash or go cashless when paying for goods and services


(mmhmm), so uh what what sort of experience or you know what profile or platforms do you use on like when you are cashless, (mmhmm) oh


is it is it or an issue whereby you know some places actually do demand that you use cash, yeah yeah


actually that's the thing when I, uh uh, that and study abroad is that I I just use like contactless the whole way that's what they call it right contactless and cashless and I think like especially now during the pandemic like we we see that you know that that


yeah there's a tendency that contactless is should be the way you know like cash just like, yeah so uh, it took a while for singapore to do this implementation but yeah I think it's actually for the better, but


yeah there's also a need for protection in case like you lose your card, uh and you can just tap anywhere in your phone as well so, yeah, and and and also like when in in that sense I think like going cashless also there has to be like insurance


, for that too maybe, yeah yeah, it's it's it's it's important, to it to have (hmm)


yeah I I hope you can find a solution for your hot tea , yes , I mean I think similarly to everyone else is that


it's not enough because like , uh we can only make use of it, when we, when we are when we actually like need it need it I guess like you mean in terms of like getting hospitalised we we are covered by medisave and all that but you know for like maybe more critical illnesses we are not it's not sufficient


yeah, it's such a small percentage right, , when it comes to CPF, yeah yeah I think yeah yeah


yeah it can happen anytime any day so yeah we definitely need the protection, yeah oh


I guess like I don't have dependent because I am single you know maybe for you with , if you have like uh your your your five children yeah you might need it,


yeah I forgot so, , yeah uh as for medishield , life uh I guess that's just a basic correct uh that that comes with,


being a singapore citizen yeah medisave and medishield and and then eldershield of course will reach that point you know, yeah, at uh where where we do, have to depend on on all these schemes if eventually but I guess that's also something that is a privilege you know as a singaporean


so yeah (hmm)


I think I don't have the , I guess discipline, to DIY right, uh of course you can allocate that you know , on your own you know or for your future children and all that but


uh I guess it's also great to seek advice , and also have like a an an agent that you know take cares of your finances I think that's why there tends to be, a lot of like find insurance agents trying to approach you because you know that it is important to consider all that these factors


yeah uh what about you yeah yeah


yeah we definitely need this kind of expertise uh, so do you actually have the habit of saving how do you ensure you meet your saving goals, mile oh okay


you allocate different , percentage to different , I guess savings, (mmhmm) (mmhmm) yeah okay exactly yeah


you just have to make sure your cat doesn't eat it or your mother doesn't laundry your cash


yeah but , but if you forget about it how do you actually save from there you know there has to be like some sort of tracking when it comes to that but I guess like yeah yeah inconvenience is also one way to realise that, (hmm) (hmm)


yeah for me I am I think like your idea of like rationing is a good idea and I think like that's it that's definitely like something that you know you have to keep a habit, of you know and there is like sort of the discipline that and when it comes to that as well , so yeah yeah some useful tips I guess uh in a way


uh yeah so , I will also like want to ask uh what's, one financial advice that you'll give to you the you five years ago, I guess five years ago when we are still studying or students


what's one financial advice you would give you five years ago, yeah yeah I think yeah exactly yeah yeah


I know and when and when you were younger you want to buy pokemon cards and like all the snacks right so you used up your piggy bank money, which is what I did


yeah and I think like it there has to be like yeah some sort of authoritative figure like when it comes to, this because we, won't know the future prospects you know which is why we're we're so you know concerned about it right now so


ha maybe we can just, , try to summarize, like all these topics by you know talking about what kind of insurance are essential for people of your age of our age I guess


yeah (mmhmm) yeah


exactly so important so I guess like below our age also like yeah just mostly concerned about like, , yeah savings I think that's uh that's something important and also like you know people are all concerned about buying house and all that so I think like , uh you know it all it all like accumulates right all these factors


yeah so so it's also like one thing think about insurance also another thing to think about investment so that's something also that we have to do wisely right, yeah yeah okay yeah


thank you so much I think this is very (ppl) productive conversation (ppl) yes


part three negative product review, !hey!, uh you know that time right yeah, I I bought juice and it was so terrible


I it was just like a random like juice store, yeah but then they is their juice is not even fresh juice and they give me the wrong order and the design was so ugly and it was so expensive


I think it was uh like I want to buy the mango orange combination, but then they gave me like avocado banana,


no actually like oh yeah there's a lot of mango orange combination I don't know if you know, okay yeah, that's just all I want to share it's so negative I am I I I almost like you know I wanted to wretch you know


cause cause like, yeah it's it feels like it's rotten, and they tryna , yeah so that's it


oh it had an effect on your teeth , you know uh yeah, you shouldn't trust all the chickens


yeah maybe you were too savage , yeah, okay I think that happened to me before, it's a hawker yes yeah


but it's okay I guess like you know since you have a gap in your teeth it's also a turning point for you to have like implants which will make, your overall , teeth look good , yeah exactly you can finally smile with your teeth but yeah that's such a terrible terrible experience I'm so sad to hear that that happened to me before when I was at I think like was thai express they had


uh I was also biting on chicken , and then my teeth at the back it chipped but it was at the back but I can feel the the sharpness, you know because it chipped off yeah so there's that, sharp, chipped off side that you can feel with your tongue so that was something that the the doctor also noticed when they did scaling and polishing and then I was like yeah it was that terrible time at the restaurant


where they also gave me, yeah exactly so so luckily I didn't eat might your own teeth that chipped off I actually you know it it fell out yeah after after it chipped off yeah cause I mean that's not food so


yeah but it was terrible, , yeah but it also feels like cannibalism you know if you eat a part of yourself , okay , yeah (ppc)


yeah I I know like you know, yeah enough of bonds I think yeah it's time to go for tenders I think that's something that uh you learn while I like you know just have sell it in the meantime you know or something like soft uh which is what I had today like soup spoon yeah


yeah, yeah,


yeah who knows like you might you might see like uh you know , false teeth in your bathroom one day that could be yours , yeah


yeah , , on a monday out of all these terrible the start of the week and you have to go office every day, but I think


this is why you also see like the use of mask is also can be like a blessing in disguise like literally in disguise you know


yeah exactly you're gonna be muffled but you know luckily it's not for view it's more of the audio which is important for for you know, this sort of like reviews and all that so yeah what other negative experience have you experienced


right


I see yeah that brand is not so good, you have a big TV at home, yeah


oh terrible, yeah okay oh water spray


oh Amara sanctuary is in Sentosa, oh yeah, maybe they're trying to be one with the nature, you know have


yeah I guess like you know they asking you to like sanitise yourself, in yeah, oh dear


another disappointment, yeah yeah yeah like yes


yeah I guess like this is this is the kind of circumstance that you know make you really write angry emails you know, yeah that's really terrible and like I don't understand who you who who who doesn't


you know , yeah like want to have like more visitors like through their services right you know if they have like very terrible facilities like who want to stay there, so yeah I think it's I think third time is too too much already, you know


yeah in Sentosa right, that's true yeah oh for me


yeah my very terrible experience I guess, is with the wifi, yeah so yeah so , I'm I'm I mean, my room I guess is like more of the deeper end of the room but uh the wifi works terribly like you know it's so intermittent and you know I could I could be watching a video and then it will just like


like, freeze you know freeze like this, yeah so like if I freeze like it might actually be due to the wifi , uh yeah, and and and, yeah exactly that's a negative experience right


yeah , I'm not sure because when I came back uh it's something that my family uses and they changed a lot of things over time over the years but yeah I I I think like currently it's under starhub too


yeah and and and and the most terrible thing was that when I had to work from home maybe one of the rare moments weren't asset


I got cut off uh when I was talking to my superiors and when I even had to do a call uh with like uh know uh overseas institution with #san francisco# and Shanghai yeah so that was very unprofessional


yeah so I think like overall it was just , yeah unfortunate but yeah it's it's something that I think uh, you have to look into like if you live in a big house


exactly yeah so the environment is really so important !huh!, yeah I think it's a good implementation but at the same time it's not good uh when you want to have, like your own space and you know outside like you are prone to like other sounds and noises of like


uh I guess like the TV and all that the yeah, so yeah is it was it, , yes that's a overall negative that you know noise pollution which we don't want so


, yeah I I feel like I had a similar experience to you during the same period


, oh I think you about to share right if I'm not around , go ahead yeah


they don't even look at your numbers right of your booking or your name, and the thing is that you are you have specific bookings of the seat that you're allocated to but the thing is that they overlooked


the number of seats that they have uh the the the the the, yeah, yeah I think it's time to just fly out you know there's there's a lot more security in that


but I guess like chinese new year is quite a peak period, yeah I think like it's just that the the the entire company and you know the management is so terrible


uh, yeah so it's definitely like one of the worst experience for this isn't it


oh my god I can't believe it, yeah exactly and and the thing is that you know like kids uh uh uh and they they also need to


you know make sure that everybody has their tickets and everything but sometimes they just let anyone in to the seats just to fill up their their capacity, yeah terrible yeah


I think like yeah timing is so important because like you want to reach a certain time in order to like make make full use of your time at another country but then like if you don't follow the time or timekeeping and then yeah everything is just, anyhow and anything goes there's just no order


yeah


I guess it was uh just terrible I mean I guess like if you want to do like long distance trip and then like you know like your trip just turns sour at the start it just affects entire mood of the trip you know and yeah it I mean that thing like go on, though that you just hope the driver will just have a smooth it's it's just a smooth driver oh you know for long distance but yeah I think that's just everything just


started off uh on a bad note uh, but yeah I think it's it's so important to make sure you have like a good company for uh the commute back and forth, yeah


yeah it's it's a negative but yeah it's a an experience that you will really , , can't forget because it unfortunately is the last trip uh for before COVID happened , yeah , so yeah


any other negative experiences or you know in terms of products, yeah I think I will have to think


about other examples,


yeah I think it's so terrible and I cause I'm using such a good fan but I mean on your room like it doesn't even do its own serve its uh serve its purpose, (uh huh) strong yeah


oh tefal is actually quite a good brand like it's a brand that's used for like pans and iron, , yeah I guess you are not a fan you know of the brand ,


yeah uh you know and I I I suppose your fan doesn't even have a remote control that my fan, has yeah so


oh that's terrible service and a waste of money, but I guess like I mean, yeah (uh huh)


yeah exactly it really improves your life and your mood, like you know for for for, I mean like when you have to go to work and you know like come on go shower and everything and you you know and it's a hot day coming from exercise you really need something to cool you down and then I think


this is really gonna affect everything else you know cause like you know, it's it's supposed to serve its purpose but it doesn't so yeah that's uh like yeah so annoying, and, yeah it's it's unfortunate that you have this uh experience yeah exactly yeah if you can't even


realise it's uh existence in the room I think that's really something that you know it's it's makes it very useless yeah, but I guess like in in that sense you don't even need blankets or quilts to keep you warm since it yeah okay okay all right wonderful


part, two positive product review, ah !hey!, what's up, hi uh I just want to share with you I got the iphone eleven


yeah it was seven hundred dollars I guess since I bought it uh with a plan but the product is so good, yeah because everything I use is apple


and then my work laptop is also apple I've yeah so it's so easy, for me to like transfer all my data from one phone to another phone from one laptop to another laptop there's airdrop everywhere so useful, yeah so I I want to actually give a very positive experience


it, yeah it's not too bad cause, now I'm using the phone with, that two, bubble tea pearl looking camera lens here


yeah I think so but anyways I'm so happy with my with the purchase that I made you know and it runs so fast and if this is, the root of all capitalism right you become a


yeah , like apple follower, yes I know yeah yeah


I think like that's a feature that you know we everybody's using the most nowadays the camera features you want to uh you know document everything our daily lives of stories you know everything is so fast paced and you know in the moment, so you know above all else I think the camera works great


, yeah, so yeah it's so useful uh yeah the and and and accessible so I think it's great


uh


oh that one is I think the iphone four five actually you are comparing to the latest one iphone twelve which I think it's so new that, uh it's still a bit more expensive and fresh in the market so I guess there's still some sort of review that's needed, but for positive review I think and the iphone eleven is works fine it's just that you know from iphone ten the difference is that now you don't have like a fingerprint scanner which is fine as well because you can detect through your face recognition how amazing is that


yeah, yeah, yeah even in his grave okay so uh what other products are you uh did you purchase recently


oh amazing, yeah at


actually my hair is wet right now which is why I'm wearing a hoodie because it's wet, , yeah I think so maybe I should actually you know like all these products like they are so useful uh for a day to day


yeah so, so do you have a time when you had a nice dining experience, and you gave positive ratings to the restaurant, I have


to think about, a very very positive one, actually, oh great uh let me know


you mean the sky garden, oh yeah


yeah it's good right , I think I was , also had the same experience got me beyond the same, period of time uh yeah they they they they really are so friendly and


you know accommodating you know, uh uh, for us like you know first time visitor, and also the ambience itself was so great and you know it's amongst like all these like like, plantations and you can know the landscaping was great it has an overview of london city so yeah everything you know


it's so welcoming uh and also offers a different perspective on the city itself which you know you always see it's, full of skyscrapers and everything, but yeah, it was it was a memorable time I think the the presentation of the dish was great uh it's so aesthetic


and I mean for for that kind of place itself we should consider like fine dining I think it's definitely value for the money, oh great


oh it I see, great


you ordered yourself food so you're saying that this flight didn't offer you a, budget all right oh amazing


I see yeah, that's a that's a great experience that you had , yeah I was just wondering whether you, will , uh had any experience at, uh, where where where you know you had an issue something and then like the the the the service managed or the company managed to like you know


, give you a better uh, resolution right I see !wow! that's amazing


yeah that's such a positive uh experience, fulfill her


yeah that's so impressive, yeah , oh I have to share with you the I guess like cosmetic products uh which I use uh I guess like a perfume sephora like it's a makeup


uh for like, , uh you know the laura mercier makeup, yeah loose powder exactly, yeah


uh and and the thing is that that that's how great the product is it's sold out everywhere online in all the stores you know so I had to get a travel size size, yeah so that, is really so good , uh


yeah the translucent glow powder like (ugh) I can yeah it's it's it's so great and I think like you know I've been telling everybody about this product, and I think you know it's actually a good, , product to actually you know as the last step to actually you know


, make your face like, , I guess like mattify finish yeah exactly yeah that's a, something yeah


it's a good sister, yeah


I know it's great isn't it yeah yeah you should uh really thank your sister for uh, recommending you yeah but it's it's great init, it lasts forever right


yeah it never runs out, yeah that's what I'm saying like you know it's a good investment it's like what seventy dollars but it lasts for two years , yeah that's why it's sold out everywhere you know people are just like hoarding it


so they can have it forever and ever yeah and it never runs out yeah, so , yeah exactly you can just, do that as your base


your hands your scars yeah exactly, great ha, oh I just uh actually on this topic I think yeah uh I want to ask what's your favourite bubble tea


isn't it for me I think right I've been hearing a lot about chicha san chen lately


okay yeah uh can you can share with me like what why why it is this so good, oh I see yeah


you need the sugar rations then, yeah if


okay sure yeah so, great, yeah and also I think like Liho itself like the cup designs are so nice


oh oh but I think I think positively it has, this positive effects , yeah of course


that's why that's the same as, being a slave to capitalism it's that all these things are the result of marketing, yeah but oh at the same time I'm so satisfied with the product themselves you know like they're these are these are good beverages you know some and and I guess like westerners are really missing out


and it sells


yeah and and and I think like the root of it like you know the quality of, that of uh beverage themselves is is nice you know it it really makes up for all those, , you know marketing and yeah so, yeah


yeah exactly like you you want to have that kind of like, design , product right you know, uh like packaged in a a nice design and I think that that that really affects like your day to day as well so yeah I think it's great


yeah it just adds value


to everything you do you know if you are using thump something with like tattered paper cups and you know things that's not economically friendly or environmentally you know sustainable products and materials I think that's really you know uh a statement of who you are like oh you're wasteful person you are not into recycling you know this kind of things


also takes into factor so I think like it that's why people like try to go for more like conscious , uh you know products, and materials


yeah exactly oh actually, I was, wondering about you know whether there was a time when you order product from a e-commerce platform, uh and it exceeded your expectations for me I think it would be Aliexpress


!wow! yeah it's so good , yeah exactly you're you're you're able to have that exposure and experience and you know to consider different options you know rather than going for something that you are only certain of you know by experience


exactly so good yeah I think all these uh implementations is good for like e-commerce platforms is that they should offer this sort sort of refund services, it's


yeah it's value for money when you, yeah for like eighty cents and it's something that you can yeah, have a


like several of you know different pairs different colours yeah, uh because it's something that you know it's it's sort of value for money you know


yeah so so I think also like we think about supply chain lah and like enterprise optimisation like when it comes to you know all these sort of e-commerce services for your, buy you you you you tend to rely notice or your real reliability, on on efficiency and you know getting things


, from like supply chain from one place to another is so important and you know delivery time is also something that ya Zalora is so competent at you know they they they just come next day after right , yeah so


yeah I I, yeah exactly which is you know what what uh in overseas like e-commerce platform like amazon is is doing whereby they have next day delivery and like I think singapore is trying to catch up to that because you know compared to the US it's a big country but they still offer next day delivery like singapore which is so


small country and you still have to sometimes wait like two days also but, I think we are slowly catching up and I I think like you know this sort of local uh base like e-commerce platform they are they are really catching up, that exactly


yeah you know when when you have like no contact and like you know you have to do things remotely that's when we rely on this kind of services and you know it's very uh important that they you know they they actually like do do a an efficient job meaning like you know, having things that's like packaged well and you know make sure there's nothing like broken when it's like being sent and everything so


yeah I think slowly they're trying to improve their, their their their their services but yeah I think over time like we really see the benefits out of that you know making all use of all these platforms and products and services, yeah exactly


there's some sort of, (mmhmm) yeah, I agree yeah thank you so much


[orh] ya okay


uh I do agree that the bank's interest rate is very uh not it's it's is lousy it's lousy definitely is depreciating but I guess we need to have a balance means to say uh part of the money to be saved and the part to uh be out investing


fixed deposit (mmhmm) okay


ya I guess quite of a number of banks have cut their interest rates for I think OCBC for them they have cut, err their three sixty or three six five a few times and even the fixed deposits that I've seen recently all the interest rates has like drop to under one percent


so doesn't really make sense to put, your money in the bank but then of course it it's it's pretty safe


err ya , personally I do buy some err, stocks equities, so I guess that is a a a different aspect of investing rather than to put in the bank


uh personally I'm not a fan of bonds, cause , is though is safe is safe err gives you a a regular fixed coupon, but the fact that err


the equities are performing much better than bonds, so I would my preference would be definitely in equities but of course I do have a little bit bit of bonds previously the Temasek bond, ya I had I had that


so but that that's that's all the bond I have


uh definitely you can sleep much better at night with bonds


[orh] ya ya ya ya


ya cause I've family so now I probably about fifty fifty at the moment and of course I have a probably uh six months of uh err savings to last just in case I I go jobless as you know that now the market is very volatile I may go jobless anytime


so probably I have about six months of uh err cash flow, just in case you know yeah


ya, oh ya, as in I guess there's too much cash around that's why the interest rate has drop by a fair bit


ya, oh is it err ya okay sure (uh huh) !huh! ya this the interesting one err


personally I do have cards err my preference is cashback cards, cause uh seldom fly and I guess points is pretty hard to, points are pretty hard to err to, optimise to use the points so I guess getting cashback would be the most ideal for my current


life lifestyle, how about you, (uh huh) ya so what card are you using


for for all purchase or for like specific categories


oh okay okay cause I'm using the, the the maybank card family and friends, so that would err they give a higher cashback for uh grocery for dining but for miscellaneous I I think is like probably point three percent


five five five to eight depending on my monthly spend the more you spend the more cashback they give you ya so, so I guess I'm I'm quite okay with the card cause most of my expenses are in like grocery F&B you know


less shopping so I think it suits my current lifestyle, oh cause I guess, grocery I can get five percent from family and friends so I guess it's a a much more better deal than than CIMB


of course I hear that CIMB gives, err one point five for all all all products right, but most of my products are now like, grocery F&B kind, ya no no ya, so probably I guess that works for me at the moment


err online shopping ah, occasionally Shopee , maybe sometime Shopee, ya for some of the stuff and maybe sometime uh redmart will get some like heavier like err uh rice err detergent those heavier stuff bulky stuff


so that they can deliver to my doorstep brings err extra convenience, so do you everyday Shopee , uh oh okay cause I, I understand that the platform has a lot online shopping they have lots of deals vouchers and a lot of like games so that uh you'll just keep going back to them


[orh] okay uh I guess I guess that's the the gimmick ah, so do you, ya please


uh actually depends on how how much is considered high is five percent considered high or is it ten percent considered high, cause for me the safest or rather the safest and highest would, be multiplier who's giving me err


a decent err rather three point eight percent per month but understand that uh this coming january they're gonna revised downwards to probably I think three percent, so it's a it's a savings account where where where I credit my salary I do some spendings with them


err do some investments with them, uh they give me better interest rates, so it's a savings account end of day is fifty B S is I guess it's pretty safe


actually it really depends on your risk tolerance and ya your risk tolerance but for you I guess if you are still young uh still have lots of time probably you can do a bit higher risk looking at something that's uh or at a longer horizon


probably probably probably buy some REITS for me I I do some buy some equities I mentioned earlier on I I do some REITS so I guess is like uh you own part of property they give you a decent decent dividend


so it's kind of , passive passive investment I would say, ya just buy buy put there don't take a look five years down the road then probably everything will be good


oh okay uh for US markets I do do their uh do buy some of the shares in listed in the NASDAQ or NASDAQ so options I guess is one of uh instruments for me to buy


sometimes I buy shares sometimes I buy options so is a is a mixture I guess, ya do you do that


[orh] okay


ya the , ya the challenging part is that when we sleep the market opens for for the US side, ya that that's the thing


err not for me I've a day job, ya so that that's not really ya ya that definitely definitely so I guess


I guess it reduces my risk, reduces my resource the amount of, the amount of the, outlay amount that I put in, per trade would be lesser compared to, to cash or rather to


ya outright purchase using cash to buy the equity outright, and of course it also, options is leverage what so the returns are definitely more uh much more attractive, and of course the US is definitely much more


volatile compared to singapore which is pretty uh uh I would uh I would say it's boring, ya so that's my, my thoughts lah


for singapore normally I buy REITS and banks but but recently I think they have like uh moves quite a bit, so, I won't do any buying at the moment, ya, ya ya ya cause I I guess it went up quite a fair bit right like late last year ya ya so went went up quite quite a fair bit so I'll just hold them and for the dividends to come in


or probably they will they will when I need money then I will just err, sell them off ya, so I guess because of uh you you also never have any like buy any singapore shares, okay K err okay okay


cause for me I also do like err from DBS I also uh, buy those ETF from them so is like uh monthly they will deduct err, maybe a hundred or two two hundred dollars from my account monthly to invest in the ETF


so it's I'd I'd err, passive investing help me do some forced saving I would say as well, otherwise I won't know where the money has gone to end of the day, ya


ya is I guess I guess it's inflation that's why everything goes goes very high, so, shall


not real [orh], not really I guess those are too, too complex I'm just a very err normal retail trader that, do some buying of shares for passive investing get some dividends that's about it


[orh] hong kong market is , just looking at it lor never never really do much about that, ya


!wah! I'm not that, is it, [orh] cause cause I'm I'm not the guru in this as


err this this in this so probably I can't really comment much but of course


ah ya cause all those analysts they are like news probably by the time we read the news we are probably uh are late, we're late so I don't really read all these news, ya, ya but I'm I'm not really into china and hong kong market probably I'll take a look when I've time


ya, I think last week I bought some facebook shares, uh cause I guess they have uh recently they have uh I think some bad news


due to their whatsapp uh, yeah yeah pre it it's pretty negative so so the shares drop, but end of day err I think facebook is a very good company everybody is using it so I just bought a little bit of shares hopefully it can rebound back


get some easy profits , ya ya ya so that, oh microsoft is also one thing can I can consider cause I guess, I'm using a microsoft err surface laptop


so I guess most of the people are using their their their what d'ya call it their office their products so it's quite a good company but it just that whether what price are you gonna get it at, ya [orh] am amazon is too expensive ya


ya ya it's I think three three thousand dollars a share, ya so it's, two two two hundred plus, ya ya so ya, it's it a bit too much for me ya


my pockets are not that deep , ya, ya but for me I I bought facebook a little bit facebook last week lah so but I guess I'm willing prepared to hold cause the bad news that cause affecting company will not be like over so soon probably few months of course I do not need the cash so so I'd guess it's fine


ah ya ya that's why err some cash some some in investing yeah, like a portfolio lah portfolio some cash some some shares ya, some REITS ya


cause you never know what's gonna happen, err actually I have pay probably ten years back I have have one or have two in fact but they are not I told you before right is is I don't like it


it's a bad decision but uh is a a long term, commitment like uh think twenty years twenty five years so I will just continue to to diligently paid off the premium till till the break even point ya cause if I'm to terminate now I will incur lots of losses you so I don't think


I'll do that unless I I need the money lah but as of now I think , I will just pay the premium annually, probably they keep extending the break even years so last checked was like maybe five six years ya


so probably previously was like ten years become fifteen become twenty you know, ya so that's the thing, okay


I start first ah oh okay so this is err, discussion for non debate [orh] it's [orh] negative product, so probably I look at point ten err telco a lot of issues with telco nowadays describe a time where you called customer service hotline uh either singtel starhub because encounter on some problems


cause uh recently probably few months back ya ya ya few months back right I recontract with starhub is a two year plan, so I think it's a new plan or in the market they gives err, one month amazon prime free they give you a one year the starhub


TV show, that uh in their website right they indicate that err you have one year free of like to watch hong kong drama korean drama all the dramas, so after decide re I recontract they gave me the so called voucher code to redeem this this one year fee of drama shows so when I redeem already right actually I cannot watch any dramas I can only watch about eighteen to nineteen shows


and those are like very old old shows where nobody will see is ridiculous, err those I I don't know man it, I don't see it it doesn't come across is nobody will watch the shows lah for me lah definitely


so, ah ya there was one the I think two zero one eight or two zero one nine the TVB awards ya so so in their website they claim that eh this thing that err they give me is worth uh ten ten or fifteen dollars per month


so it's like what the heck, it it it's not possible mah, there isn't any refresh there are just like ten to twenty shows only that's all, so I I emailed them, so the email them to highlight this issue to them right is very painful


they have a few customer service officers to reply to my message uh asking me very err, no value added questions, so I told them I can only see these shows they asked me whether do I have err relevant uh do I have stable internet connection


err what subscriber am I using kind of those very, I told them, ya ya I told them I can watch these only these shows I cannot watch any hong kong dramas means to say then they ask me those irrelevant questions so it's like very very upset so I err, after a few E exchange of emails right !wah! it was it was lengthy lah so err I hide I complain again and they have this I think uh


customer service manager came over understand the situation and, finally managed to solve it after some time, ya, so I still need to tell them that eh, as in they did ask me where did I where was it indicated in the contract that I will get to watch uh hong kong dramas korean dramas


exactly exactly furthermore all those information are extracted from their website in which they themselves don't have no idea what is in their website or what is promised to their customer


so was uh very disappointing and this exchange of emails err eventually went on to uh extended phone calls, !wah! so angry lor, angry lor everyday I call them tell them the same issue I need to repeat my issue few time until like is happened like err four five months back I still remember it


ah ya ya ya email different people phone call different people so there isn't any uh continuity so they they're not too sure about what's the situation, everyday repeat repeat a few times until !wah!


blood boil man angry, but besides that right I think throughout the starhub in terms of the pricing wise the, the the the connection, ya lah so okay lah it's just that those add additional services


[orh] and and best part recently you know what happened they charged me uh err cause during the, part of the package right they gave me a one month amazon prime so I I activated it and I terminate it within thirty days


so I think the previous month bill right they charged me a one dollar thirty five cents, for amazon prime subscription !wah!, so so I email them told them that eh these err subscription uh why am I charged this because it's supposed to be free for me for one month to trial when I sign it up


so you know what happened, they sent me an email asked me to , provide them with my uh email and my and my what err last three, last four numbers of my IC, so it suddenly came back to my mind I was like oh because of one thirty five am I going to repeat the whole process of like telling them the whole story again it's like !wah! I want to faint


so okay lah never mind lah I I I I just replied them and !wah! they say that they there's a technical glitch and they going to revise it so for once for once it's like very smooth otherwise I was like !wah!, for one thirty five I want to faint


ya ya so so what's ya that that's my experience with starhub recently lah which is which is I I uh is very negative lah, ya, so for you what subscriber are using


oh starhub also ah no issue ah, might be your home your home already lah is is not starhub it it might be your home router already


okay, starhub anybody in your household has this issue then is your maybe is apple lah eh like apple phone lah no good lah try try and then why why you have the connection issue mah at home wifi mah


oh okay, laptop ah but if nobody else in your home has issues with wifi only you means to say apple lah


[orh] to stick together lah the [orh] okay okay ya ya ya


okay


(uh huh) complain lah


act blur okay how how how much is the item, okay okay !wah! few dollar also act blur ah !walao! !wah! two dollar also act blur ah


correct lah cause postage everything if it is two dollars then plus postage again


eh but actually this type you can err cause they are they're selling on the Shopee platform right, so so can feedback to Shopee


oh ya lah, don't don't don't don't make sense right, forget it


[orh] ya ya true true true so did did you manage to to get another one oh is it


[orh] laminating machine ah okay actually , depends lah your usage otherwise you can go out to like err they have those laminating services outside


so you do not need to have a a machine by itself it really depends on the usage lah, [orh] ya ya ya so if you get a printer get a laminating machine is much more lah


[orh] okay okay okay understand


ya especially now you working from home need to have a printer, oh okay okay


okay any other, negative product review ah , not really leh not really


[orh] insurance lah insurance service lah, !wah! err earlier on I mentioned that my I have some insurance policies ah so I think something which I


I my personal take is that uh those insurance agents they come to you they ask you to sign a policy so generally I I think there's two type lah one is like those err savings means to say you have to hold for maybe twenty years


so every year you just have to give them a premium, you can do it monthly or month monthly ah for for me I do it annually so every annually they give you a premium and the other type is like you give them one lump sum for like uh investments, so likelihood is that uh from investment or or rather the the


the the, long term savings uh insurance policy right you give them a a, annual premium so after that right they will just uh don't care about you already, means to say they already close your deal on you already mah so technically there won't be much follow up they won't really care about your your interest anymore uh and along the way right what I been getting right is like err


along the way I've been receiving letters saying that eh the projected uh interest rates has dropped along the years is is not just just recently probably it drop a few times already so having said that right it had drop err lower interest rate means to say my break even from ten years I have to increase to fifteen years


eventually below twenty years ya so it keep dragging lor and and I'm stuck or rather committed so I cannot withdraw so the minute if I withdraw right can just just no choice lor suck thumb and continue paying lor cause I if I withdraw now now right I have to so call


kind of penalty the amount I take back right will be much less than the amount I paid in, and furthermore it's like I paid I've been playing since about ten fifteen years back already eh, fifteen years of premium leh and now I take back less than that leh


not say a scam lah correct lah at at least the bare minimum is for me to break even mah not not to say profit uh sense that at least a bare minimum for me to break even more so now cannot break even so I have to just continue paying lor paying maybe about five five to six more years to break even lah


but I don't know lah maybe three years down the road they will say that eh err the projected returns have to drop again so have to extend the break even point, ya so actually this happens to me on two of my policies leh uh A, can mention the uh I think can lah AIA and err prudential


same thing two exactly the same, exactly the same err , no choice lor maybe that time youngs don't know mah so just just sign lor sign already and now the agents also never really care about you because they know that eh err they they they do not need to like spend time to


spend time anymore don't care about your portfolio already lor, ya and also I I also have one that is err more like, investments so that time one lump sum I put in one lump sum, so so what they said that eh no worries err I provide value I help you monitor your portfolio any any uh issues right I'll let you know this is not good fund to hold will change you out to another fund blah blah blah blah blah blah so I sign already money go there


no no follow up no nothing, !aiya! this is very subjective one mah furthermore I'm not say putting a, a few millions I'm just putting I think ten K twenty K only so, own self see the portfolio not doing good take out but eventually I took it out lah cause I saw err I have some some profits I took it out because end of day I thought that the fund itself is underperform in the market


ya so I I might as well when when it makes a make make a profit I take it out already no no no point to put inside, ya actually this is also same as a bank, cause uh that time there was once I went to bank to ask about investments mah to buy like uh unit trust so I I clearly remember the banker told me this


he said that err if you buy from me right or buy from, him lah he provide the kind of like uh services to help you track and monitor your your position your your portfolios to see whether is this uh, uh unit trust is it err doing good not okay what does he recommend everything then after saying that I remembered I somehow links me to what my uh agent told me previously


so I decided to walk away and I I never looked for him I rather go online to buy buy my own err, err unit trusts uh unit trust lah so uh interest also lah online do it myself so can save on the commission fee and I monitor myself because end of day the interest is on my end


ya ya so for me I don't do that so do you have any like, insurance issues


[orh] [orh], uh uh uh uh uh uh uh ya


ya ya ya


yes I agree that's what happened to me for the insurance so after that I never take up on the insurance and I , change change my thinking and my my my mindset, ya, ya furthermore I think buying shares is still liquid more liquid be it a profit or loss ah at least is liquid more liquid ya


ya only you have the best interest to yourself for yourself ah ya, ya speaking of ya ya speaking of insurance I I guess uh there's too many like insurance nowadays that's very messy


like , there's a med medishield medicare then now recently they've this careshield so there's too many names too many policies covering, is to me this this portion is like I never get it


right, ya is like they just take premium from your medisave account lor just take take take take take take in the end also don't know what's going on


actually I tried to read online they have they they do explain but end of day the thing is confusing very complex the terms the names that they use are very like similar, like medishield medicare all these is like were a bit confusing lor so if I read read a few times ah I myself also get err confused at times then I I for my parents ah they are worse they see already they con sure concussed


ya for me I I also take sometime to figure it out after sometime okay I forget you know what for other my parents sure they sure don't know what's going on and they just like pay lor, ya, and of course I don't think we can we will want to opt out lah because end of day medical is rise rise rising cost is rising in singapore we want to be adequately sub covered otherwise we will know what will happen


ya ya, that's that's it lah, !wah! err I uh I think careshield is a new one careshield is a new one is it's compulsory they give err subsidised ya


no debate okay, oh should you do you start uh


oh okay


[orh] that's why the wrapping is good, twenty percent probably if they mark up uh fifty percent so they drop a twenty percent for you, vendors (mmhmm) [orh] it's on Shopee oh okay okay


cause I actually from Lazada Shopee Taobao Carousell I I bought from all three of them before, or rather with four cause I think I bought from Aliexpress Aliexpress I guess is like same family as Taobao, so I tried all four four of them before, so


generally I feel it's pretty good, the products term in terms of the price the quality the the the waiting time they're all good of course Carousell is a bit different uh actually I have a Carousell in fact I I really love Carousell a lot because Carousell is a is a place where I can


I can sell my err secondhand stuff, or rather to get rid of my secondhand stuff, when I I don't really need them anymore so I post them err managed to get some money back though is uh, of course I make a loss compared to buying brand new but it's better than


throwing away eventually, cause certain certain items I have no use for them, err might as well I sell it off at a cheaper price maybe twenty thirty forty percent off discount but is secondhand lah I would say, and the people who I met they're generally most of the time they are


they're sincere buyers, they will not err when when once you meet up a a place to uh meet up or by postage right err, they're there they're they they won't just go go MIA go missing, so generally the people are quite okay in Carousell for me lah for me


so ya err, [orh] yes of course of course, of course


for okay staycation I guess in singapore so generally I feel across the board all the singapore hospitality the the service the, they they're very they're very good very friendly very helpful but there's this uh one err one hotel that really stands out


uh which I will definitely remember it's uh capella, in Sentosa the capella, that that that the hotel that that time there err, the at held a conference for donald trump at the, #kim jong un# uh


in capella so so over there right inside that time I I made a booking for the hotel so when I check in with my girl then girlfriend right err the opposite room they're doing some renovation, so means to say there's lots of err drilling knocking very very lousy uh very very noisy I mean


so I I went to the, I went to the recep to, feedback complain lah, !wah! so you know what happened immediately they gave me a a, a change of room or rather I I went to them


uh kind of yes yes yes so I went to them I told them it's very noisy err I can't have a good good rest you know staycation is rest you know to to really relax, so I can't rest I I I I think I told them I want to change a room or I I I can't remember did I say that so when I went out for my lunch right or I went out then when I came back right they get got me a new room so that new room is err is a upgraded room


it's awesome err I, it's it has a outdoor jacuzzi private jacuzzi bar, where you can oversee the whole eh [orh] whole of M [orh] the the MBS, ya so that is a upgrade then I check I think the room was like probably a thousand thousand plus


per night ya, so I was there jacuzzi so Shiok, [orh] we're we're they're all very friendly, ya all very friendly all very helpful you can ask them for directions they are more than willing to help


but I guess, be it cappella or any other hotels in singapore they're all generally friendly, all those those four five stars above they're, off and need ya so have you tried any staycation in singapore as well


or any holidays overseas


[orh] okay the the, ya ya I know the giant buddha, that the the cable car the cable car there's a cable car


oh what's that


the the


uh I guess is is the the food the cleanliness of the food that's why you got the, gastric flu right or the weather


roadside, [orh] hor hor hor uh I see I see I see uh uh, under


!wah! that that will be quite sometime eh but did did you see a doctor when you had this gastric flu over there was it hard or


how, how did you, [orh] so you took took your medication overseas lah


oh (mmhmm) (mmhmm) oh okay


[orh] okay okay, so so you did not err see a doctor lah, oh okay okay cause whenever I go oversea I'm so afraid of falling sick


cause when you are overseas you don't know how to, uh you you need to find a doctor which as in foreign land uh not too familiar so that that's a concern, ya ya, and of course lah if you go for date and you fall sick I think that would be very maybe disappointed lah


correct [orh] okay


!wah! actually I guess we are all surrounded with electronic devices nowadays it's just that depends on which one you use it on a more frequent basis


uh yes I'm Samsung and I'm a android and this is a non debate so yes apple is good


ya


ya this I agree uh this I agree err iphone definitely has a much more market resale value compared to err, any other phones out there be it a Samsung or or even huawei or any other phones, but


I I've never probably many years back I've used an apple but then I've since then I've switch over to Samsung err all those widgets all those are like uh uh I I would say it's like additional options for you to uh enhance your productivity of course for me uh it don't do all those so I took them all away so my phone is like just


has all the apps that's it err is is simple to use, to me cause maybe I'm familiar with the the uh android platform, ya but end of day I guess be it Samsung apple it's just a, matter of getting used to it, and getting to use how how the


the platform how to use use the platform otherwise making a call err, uh using err your messaging services I guess they're they're all the same, ya cheaper


err not uh that's why sometime , [orh] I guess two thousand plus is for the the the new one the flip cause if you sign a contract eh the price will be lower or you can get a secondhand uh Samsung the price will be even lower as the resale value for Samsung phones are not good


ya, as long as it's covered by warranty is two years warranty I I, condition not too bad I I think I'll I'm fine with it from now I'm using a note nine want to change leh but !wah! the the, new Samsung phone so expensive


probably probably can explore lah can explore ya, uh hopefully won't spoil cause I think the, the the troublesome part is that if it spoils or or if it spoils right the data the contact to take it out I think is really troublesome lah so it's best to


transferred all out before, the phone spoil, ya cause you know like your lots of like uh your your your contacts your videos your pictures your data they're all in your phone now, ya so if if your phone spoil I think quite troublesome


do you use your like uh nowadays like like phone to pay Samsung pay uh you have apple pay right, online bills ah cause I use Samsung pay once or twice


I guess is the same lah it's it's just like using a card instead of using a card use your phone, ya so you can go out without bringing your wallet just bring your phone, ya but now you can use your smart phone to pay as well I guess just tap your phone or google


pay uh Samsung pay you can use your smartphone uh I mean smartwatch, ya, so you don't have to bring anything, err actually I am looking at a Samsung smartwatch


ya ya ya, depends I'm looking at the older version so is at err half price or or rather the price has been reduced by a fair bit maybe about slightly under three hundred


for brand new uh older season phone, cause they just release, ya ya ya uh watch ya ya cause they released the new newer watch so you take the older version right, it's like uh the price will be slashed so I'm looking at that


but still thinking lah cause it, it will be a watch to me lah I I won't be like uh, using it to like, uh daily basis yes as a phone but will not be like uh using it to check my messages or


too complex stuff lah it's just a a aesthetic watch lah I would say, completeness as well with the with the with the with the phone and watch ya the Samsung series ya, but just a just a thought lah


I I actually have done so using Samsung pay but then end of day , I've just done once or twice probably I'm more more


comfortable with using the card or cash, ya, but I also use paylah DBS paylah, take the phones scan the the QR code and make payment, ya you try DBS paylah oh


actually there's a lot like DBS paylah there is like grabpay, uh google pay there's like, ya there there is like so many, forms of, digital payment, either through a phone through a phone through a watch or you can use your credit card use a cashless so many payments until ah you also don't know


don't, know what's err uh, what's a best method, err yeah especially if you Shopee all the time is definitely credit card or paylah them right cannot be paying cash lah


oh Shopee also have pay, !wah! err McDonald's


oh okay okay, actually my concern now is that there's so many digital wallets right, I don't know whether how safe is it, do you put a lot of money into to their wallet, no okay


okay act actually to add right Carousell also have caroupay, ya but I never use a bit complex I see already cause know normally is I meet the buyer face to face then uh cash on delivery or they, ah goldheart


ah ya you feel more Shiok, feel more Shiok you see the cash come into your pocket you more Shiok or probably they can wire uh they can paylah me or paynow me then I post out the the parcel to them so cashless lah definitely but I I never use caroupay there's there's too many already


do you wanna talk about number three, think that's one is interesting, okay so err number three says that some may argue that banks interest rates are unattractive whereas others may feel that their


their money is safe and accessible in banks in light of this would you save your money in banks or invest it elsewhere