, I think their flavours for Liho it's like weird too so I don't drink Liho ya it's like what ya exactly, it's just a no-go for me and plus it's quite expensive quite pricey like five-dollar plus


ya so I would say my least favourite bubble tea brand is Liho honestly speaking


so we can wrap it up


uh part two positive experience, okay


no not necessarily but okay I'll start , okay so in terms of, personal care and cosmetics, what is your favorite go-to spa or your favorite go-to brand


for cosmetics ya, our favorite go-to spa for example you need a wax or anything


so by natural products what do you mean


what is the difference between organic and non non-organic, ya, why is it much better


but isn't all fertilizers chemicals


, for cosmetics I actually use various of brands, uh from high-end to the average cosmetics brand, like Lancome, oil also korean brand


ya so , okay I wouldn't say cosmetics but I would say a service, ya so , I like to get my I, love cosmetics because it's accessible everywhere it enhances your beauty it's fun to play with


so I have a lot of, favourite brands so I cannot really I can name a lot but I don't really have a specific, favorite brand ya because


yes, ya because, uh nowadays, ya I will skim through the ingredients so because as you know like skincare not all ingredients are good for your skin so for example there was this recent recent launch okay not really recently it was few years ago by Too Faced they launched the coconut


primer ya, coconut primer or coconut foundation, like they the coconut was like the star ingredient of the product so they marketed the coconut it says like it softens and hydrates your skin but, no the thing is


coconut is not like I said I skim through the ingredients and I also know that coconut is actually not good for your skin it clogs up your skin, and it actually will cause, breakouts, ya so it makes your skin


it will create make your skin create a lot of sebum or clogged up, and ya so not necessarily, , it just really depends on the product ya see if it's good or not


, , not necessarily , because because, organic or not


for me is just because organic or non-organic they are the same, I thinks is all of I think it's all about marketing because, if you want to say chemical everything around us is chemical, even water is a chemical


so and then there's also a reason why, everything is a chemical so, there's a reason why some companies just use uh raw sample raw ingredient to, use as a fertilizer because it will absorb right away you know so and because like for example you say you put banana peel so banana peel it will actually


take like I would say longer time, to to absorb, the potassium or nitrogen, you know so that's why that uh companies produce raw ingredients, , so that the plants can absorb right away


you know what I mean ya so for me, organic not necessarily good


so did you have any favorite service, like for example like Grab, ya like services in singapore, , , why


what what's what's great about Grab, , Jurong, by the side road


I think sports and fitness and health awareness they are they corresponds to each other, because I think now in singapore they are also promoting different kind of sports classes they are promoting health awareness, uh ya by for example by building the Tampines sports hub Bedok heartbeat


ya so they promote health and wellness, health and wellness sports and fitness in singapore, by , creating new gym and they actually give singaporeans each hundred dollars to have access to this kind of facilities


basically to encourage singaporeans to exercise, ya so in singapore I think it's a , uh it's very accessible lah, I would say so it's easy to go to the gym because every neighborhood there's a hub


for example there's #pasir ris# #pasir ris# sports hub Tampines Tampines hub, to be healthy ,


I also think so I think the same too ya I do agree, actually I, uh I would say iTea, ya


cause iTea has, for me iTea has a lot of flavors and their oreo ice blended is the best as to as compared to other brands, uh ya, oh why


I mean I'm still a student


ya I mean I'm still a student so I don't want to spend so much money on bubble tea plus I don't really drink bubble tea that much, ya , true


okay I want to ask you like have you ever used a product that has lasted longer than its length lifespan and what do you like about the product is there anything that you like about it


phone TV laptop, appliances that you thought would spoil but last, anything, doesn't have to be skincare


so do you have stomach ache


okay maybe I'll start the question to my uh sister Radia uh Radia so what do you think about uh investing of your money to accumulate wealth, or do you because you are nineteen years old now right do you think of retirement at your age because I'm twenty-nine years old now and I'm starting to think about retirement


like, how much amount of money will I have for retirement will do I will I even have enough when I retire and at what age do I want to retire what do you think of retirement, what is the first thing that comes up to your mind when I say the word retirement


I think insurance savings plan is one of it because uh ironically I just met my insurance agent yesterday and we were just talking, about , investment insurance because to me uh right now at this age I feel that I need to have a hospitalization insurance


because like you say you are worried whether you will get into an accident or anything what we'll be hospitalized and we may not have enough savings or our parents may not have enough savings to pay it for us when we get hospitalized, so, hospitalisation insurance is definitely one of it then the second thing is accidental


accidental insurance which means uh you an accident happen to you but, not necessarily that uh when you get into an that accident you are hospitalized, right when you get MC you don't get hospitalized what, so


if let's say you have like I don't know three four days of MC, so, that three four days of MC, , how are you going to claim that amount of , uh, medical fees for that, uh, uh three or four days of MC and then


the, third thing I feel that is important is uh, having regular checks for your health, ya like, uh to ensure that your your you don't have any major illnesses, that will tied you down when you get older


and then I think the next thing that is important for me is like what we are discussing right now lah retirement ya so how do I ensure that I have enough savings or have enough uh money to tide me over when I reach the age of example fifty-five or fifty-eight


uh, so I I got to know, this plan from a friend uh she's from Prudential so she actually told me that there's this like even uh there's this like uh one of the investment plan is like investing your CPF


ya for a a period of time, ya and then you let your money grow in that investment scheme and then uh probably at the end of your retirement uh age fifty-five or fifty-eight you will get a certain amount you just let your money grow so you just invest it somewhere and you you can choose lah where you want to invest it to


you will have a list of choices ya, so what do you think


I wouldn't say experience but more of like uh, I do have that little knowledge lah I mean not like very experienced okay but please ask your question


okay first thing first I would definitely have invested myself in health insurance because the younger you are, actually the younger you are the cheaper your savings plan uh your annual or your monthly savings plan is like for example now I'm twenty-nine so every month for my example of health insurance ah I pay fifty-five dollars a month


okay fifty-five dollars a month so uh uh fifty-five dollars a month but, if compared to five years ago if I were to sign up for health insurance it's actually I think it's gonna be like what forty plus or thirty plus which is even cheaper


you know ya so I would, definitely when I'm your if I were to turn back time if I'm like your age I would read more on insurance, like get to know more about it like what is uh the advantage what is the disadvantage


savings or health insurance, I would go for actually I think it's both ya, I think it's both at the same time, ya


no actually I think it should be health first , ya because you because you may not know right what's going to happen to you tomorrow so you should, health first, okay once you know that if anything happens to you, you are covered your family is covered okay then you start to think about your savings ya because health is


the number one priority I think this is my own opinion okay , because even if you have savings insurance but your health is not covered then what's the point, right ya so (hmm) what else can we talk about okay


what about, how, at your age right now how are you spending your monthly expenses, do you think it's on a okay on a scale of like one to


ten maybe like how good do you think your monthly expenses are, , okay they are how good ya like ten is very good like you save a lot of money every month and one is very bad


oh six point five to seven so you are like fifty-fifty


shopping lah basically, okay ya lah I think it also depends on what is your monthly allowance because if like just, ya lah I think it's a good percentage ah a good ratio like fifty actually ya fifty percent maybe,


for your bills thirty percent for your expenses like fifty percent is like bills transport your handphone blah blah blah then thirty percent is like your shopping what you want to buy and twenty percent is, savings, I think that's quite a good ratio at your age I think that's quite good ratio at your age but you can like slowly increase as time


pass ya, splurge ya I think that happens lah that happens, (hmm), what about do you think you should this is a very dangerous question do you think you should own a credit card


because you don't have a credit card now so do you think you should own a credit card, , you already planned to have a credit card even if you don't have a stable income oh my god you are crazy


because at your age I didn't know about credit card really like what I don't even know what what and I when I was in poly I don't even know what the hell is credit like what is this credit card for like is there a consequence, if I use a credit card will there be like a credit rating for ya so I think now that you are aware of I think it's a good it's a good


choice lah I mean but you have to like be disciplined when you use a credit card, because a lot of people, they are not uh, not say a lot of people some people okay they're not really, uh disciplined in, using their credit card because they tend to spend like


because it happened to me once lah okay so they tend I I previously I tend to spend more than what I'm supposed to spend every month


big vacation coming up, okay just now you were saying that you have this ratio fifty thirty twenty right, every month okay so let's for example if you are in uh month if you are in january but you want to go holiday in december so instead of that fifty thirty twenty percent saving I would say


that instead of using thirty percent to shop, every month okay you might want to reduce your thirty percent you know, maybe fifty uh fifty is bills like compulsory for you to spend every month then uh reduce on your monthly expenses maybe ten percent monthly expenses or fifteen percent monthly expenses and then fifteen percent okay for holiday expenses and then that twenty percent for savings is it must always be there


ya you can never touch your savings money that's my advice lah, because you must always plan ahead what cannot be unless you have like unless you are a multi-millionaire lah you want to go holiday tomorrow than today you already can buy all that ya but we are not , ya


okay so what about, what advice, would you give to someone in order I don't know, because you are not paying tax right now like what advice would you give to someone in order , to reduce their income tax , I mean uh obviously you are not paying income tax right


to IRAS actually uh it's a certain percentage if your salary hits a certain I think uh a certain amount uh annually, ya but, to reduce income tax actually there is a way to reduce income tax, uh it's


more of uh you have to, , uh carry out donations to, uh to charity organizations, okay or I have friends who have kids, and then they are automatically


what do you call that , you're automatically, , what do you call that ah subsidize is it is it is subsidize the word I don't think you I don't think so , I think they are automatically saved from being uh annual income tax if like you have a child a newborn child from certain age to a certain age or if you are donating to charity I think uh it's the ratio is one is to one so for example if you


donate ten dollars to charity organization example ah ten dollar store charity organization then ten dollars will be deducted from your income tax or if you donate hundred dollars to your the charity organization hundred dollars will be deducted from your uh, income tax, ya so on and so forth lah so it depends on how much you donate so would you rather donate to


charity organizations or donate to, IRAS !oops!, ya so it's your choice, ya there's like there's this uh form lah like a object object form that okay I object to paying tax because I did certain donation something like that ya


(hmm) (mmhmm), to get him or her out of her debts so if that person is already in the debt


(hmm), I would think that he or she has to, prioritize first what kind of, as in like okay lay out what are the debts that you have first debt A debt B debt C, and then prioritize which debt has the highest amount of interest


incurred, so if that debt has the highest amount of number uh highest number of uh, highest percentage of incurred interest incurred, you pay off that debt first followed by B followed by C ya, otherwise if you are just uh paying all three debts at the same time right


uh ya you I mean, otherwise if you are just focusing on, uh uh I I, I it's like you don't know whether you're paying the uh, just the interest or you're paying the, , amount that you are supposed to pay something like that I think I think so


, what do you think of my answer is it does it make sense


it's not being left hanging so what I'm saying is that you should prioritize which uh amount of debt that you should be paying more, so for example you have that it I I think lah this is what my thoughts are okay if you have debt A B and C and then uh A has the highest amount of interest but every month you're just paying A B and C the same amount


ya like, for example uh hundred hundred hundred you're paying the same amount but the debt that is, uh accruing, the most interest is A, you know so you go back to square one it's like you're just paying the interest for A ya so you have to see lah you have to do your calculation like if A has the highest interest maybe A you will pay two hundred then B you pay fifty C you pay fifty something like that you get what I mean


pay the interest no you're not paying the yes you are paying the interest and principal not just the interest ya because I think there's a lot, of uh calculations lah your you have to really pen down what are the things that you owe ya


because if you don't pen it down you're just paying and paying every month you don't know what you're paying for, I think ya , so what are your thoughts, on CPF contribution do you think CPF is important


but how do you know how much CPF is being, uh deducted from your salary every month twenty percent ya I think ya, lah definitely CPF is important because it's a mandatory thing that you need to have in order for you to get a house in singapore


otherwise if your CPF is like zero K I don't think you can get a house, I mean, you can maybe get a house from a bank loan, but you do need CPF to offset a certain amount, unless you got cash money then you can pay for your horse but I don't think so that works


ya for us


I would say that uh before marriage I didn't really think of, , I mean before marriage I do have health insurance and uh accidental insurance but after marriage I think about life insurance, like something


to cover me in the event that uh I pass away, or in the event that I have a major illness and I'm not able to work anymore by a certain age, ya so life insurance is a, another, different insurance another different scheme because there's uh many many many types of insurance ya but this life insurance is a


it's what that covers you until until, to a certain age lah for example I think sixty-five or sixty-eight, ya, so my expenses uh after marriage I feel like, more of my expenses goes to uh


life insurance and savings insurance, ya, it's the same as your what ratio that you have like fifty percent bills thirty percent uh expenses, and twenty percent savings but, now after marriage is like, more on I think about saving my insurance uh saying saving for uh paying for my monthly insurance fifty percent it's like paying for my monthly insurance paying for my transportation paying for my phone bills


paying for, uh, paying for my god it suddenly went out from my mind , why does it I forgot ya, basically savings lah oh renovation ya I'm saving up for my renovation then my savings is like not just savings to


uh go holiday or savings to go save for the sake of saving you know it's like saving for a home saving for uh saving for maybe if I have a baby ya then savings for holiday ya so it's like not just savings purely savings so like there's different types of savings so that's how it changed after marriage ya because after marriage I feel like there's uh slightly more commitment ya I don't know lah maybe you won't feel the same way as me but this is what I feel right now


part three negative experience


okay uh so Radia, negative experience I don't know if you are thinking about the same thing, right now, like just happened to us this year because of COVID-nineteen, ah it's like I think that was one of the negative experience that we


both of us face the same thing ya okay so basically we uh we booked, uh, our airline tickets to germany right and we I think we use Expedia, a third party, then then uh we wanted to go to


germany, and from germany we wanted to go to switzerland so we booked all our train transportation we booked our accommodation, and we even booked like what are the activities that we want to go we what that we want to do there like we wanted to go to paris disneyland and all that stuff we booked basically everything I think like ninety percent of the trip was already booked


and then uh cap the the ya everything was like planned very nicely and then the travel advisory came and then we were not able to, but the worst, that's not the worst part lah not going is not the worst part the worst part is like asking for refund man asking for refund or you know postpone of date whatever Expedia was


so terrible right, it sucks because we, ya we couldn't even get refund and because Expedia is from US we have to like do a trans call to US like I I think it's I don't know whether is a toll-free number or not


uh it because it was not local so we had to call an overseas number which we had to paid more pay more and then we had to wait quite long and then because their Angmoh accent is like very Chim so we had a bit of uh communication, uh, difficulties there and in the end we cannot even get our refund so that's like one of the most negative experience that we have and we still we still didn't get anything that we paid for back


which is very sad, ya ya man we bought winter clothing and everything


I think it was saying singaporeans are not allowed to travel to, europe like germany france ya ya not advisable to, ya so that's like one of the negative experience that we have in the, uh travel


uh in tourism industry Expedia I'd I'm not going to buy from Expedia anymore oh my god, ya if if only they were local ah I'm just going to call them everyday and say !hey! like I still haven't get my money blah blah blah, but too bad lah okay


ya that's one of the negative, oh food and beverage where where where where where where


ah just it say lah, ya, oh Cucina eh I thought they were very popular I mean I wanted, to eat there you know Cucina, ya, I heard of it because it's what, it's in one of the uh it's in one of the travel and food uh blog spot I read that somewhere


I think, have Halal will travel or something ah like top ten places that you must eat ya, ya, I think I read the same article as you did


oh uh Geylang, Kajong Katong, complex there is it okay


ya ya usually they will put it at the menu chef recommended ya


is it is it like the turkish pide, okay okay so what happened


how does it taste like I mean how bad was it how bad was the taste, you you mean it's like what it's tasteless there's no salt or is too much salt


oh there's no salt at all, aglio olio and peanut


the customer service was it okay, it was not fantastic but it was still okay lah, so the the thing that really mars your experience is uh that


was the food the taste of the food, did you give a feedback to them, you should lah you should like ask is this the food for is this really aglio olio or if is it uh some health thingy


not that I can recall of though, like I mean I do I I I'm pretty sure I have faced negative experience but not nothing in my mind right now that I really cannot forget about, maybe more of like shop online shopping like buying clothes like I remember I bought a clothes and it really


you know expectation plus versus reality kind of thing ya so that's one of it, uh, it came in like A I was supposed to get like five pieces of that cloth and then I only got one pieces and it is not the design that I chose ya and then but then got for refunds ah I mean online shopping is always easier to ask for refund


ya, okay let's talk about let's talk about , this uh, about your least favourite bubble tea, okay you want to talk about bubble tea or skincare


okay okay fine skincare okay okay you ask me


okay one of the skincare item that I thought was originally good and, my friend recommended it to me was Clinique, I use their toner I use their facial wash I use their moisturizer basically to basic regimes lah facial wash uh toner and moisturizer I thought Clinique was really very good you know because it's expensive it's quite I mean it's uh it's quite pricey is not a cheap okay and then it has a it's it's quite a well-known brand


so I bought all these three products and then after I use it, I don't know if it's just my skin, but I felt like my skin started to be because, I have a super dry skin, ya super dry skin on the cheeks and the forehead but my nose sorry my my cheeks


but my nose and my forehead is quite oily, so I bought that combination oily skin type and then when I use it right like one, a few days later actually not even one week, I felt that it was over drying


and my skin was like cracking, have you used Clinique before, like the, toner facial wash and the moisturiser ya it was like making my skin overdrying ya so and then I buy already and it's


not cheap so I don't want to, waste it so I just continue so I just continue using it, so I just continue using it to like make the money worth it lah, ya so I just continue to make the money worth it


so, I regretted that my actions, you know like not, just using it for the sake of using it


other people will be okay I wouldn't like personally post it on a blog spot because I'm not a blogger or put post it on social media eh guys please don't use this the I wouldn't do that but I will just like tell you I mean tell my sisters or tell my family members and tell my friends like eh guys I I I mean personally I use Clinique ah I really cannot man


is it it makes my skin even, worse, ya it makes my skin worse and I'm not going to use it again, if you don't believe okay look at my skin, I I took photos ah how my skin looked like, look at what it it did to my skin, ya so ya lah I would I would do that and tell them


is your choice ah whether you want to use it because this bad thing happened to, me ya ya lah, because I think people will only believe you if you show them pictorial evidence like visually they see it for themselves otherwise they will not believe like eh is she really


talking the, uh is she really uh talking the facts or not Clinique is good eh I use, cause one, one of my friend she recommended me Clinique, ya, so I think maybe it's more of like, individual skin type ya, some people may it may be suited on some people


skin but some people it may not be suited on their skin ya so I wouldn't use Clinique, that's one of the skincare that I will not use oh and then Bobbi Brown, foundation, because Bobbi Brown is a high-end it's were like one of the high-end brand for cosmetic


I bought the foundation and it's, overdrying again I think it's just my skin like I it has this overdrying effect and then my, skin starts to crack so that's one of skincare product that I will not use ya ya maybe I don't know but it's just not good for me lah


because it's it's not good for me so I myself would term it as not a skincare product that's good lah


oh St. Ives oh ya ya ya you told me that's no good right, ya St. Ives ya


I guess ya lah I think it really depends on, your skin type like whether you have a sensitive skin or not sensitive skin , ya it's really individual's, preference, how I believe in organic how I did believe in organic products and how you think that is actually all the same


okay lah I agree with you to a certain extent but I still prefer to use a, product which has higher organic, content ya, but all in all I think uh how I would , let people caution people on this product is like by using photos ya because a lot people will only believe what they see with their eyes and by backing it up with


uh uh, like you said you read a lot of like , uh what do you call that medical not medical , doctors' recommendation, blog blogspot, ya ya so I think that's one of


the things that we would do, to caution people not to use this uh, particular product ya yup (hmm), other than skincare, I told you


my least favourite bubble tea I love all bubble tea, , least favorite , what bubble tea that I always don't buy, okay lah at least favourite maybe, oolong oolong tea


because I tried it before oolong, with black tea or something like that or green tea ya it has like this bitter taste bitter aftertaste that's why I don't


ya it just have this weird aftertaste ah, ya cause it's like bubble tea, bubble tea is not supposed to be healthy, right ya so I don't think that would


anything bitter lah not just oolong lah anything that has a bitter, aftertaste it's kind of weird ya yup ya it does I don't like Liho's cup


because it's like not so user friendly, ya with cheese and cheese bubble tea like what, that's why I don't drink ya cheese is like ya ya


I think you Liho uh ya you know like I tell you Koi you pay a premium price you get a good quality but Liho is like you're paying a, premium price but you're not getting the right quality that you want, ya so I wouldn't go for Liho I think I it's been a long time since I tried Liho ya


sugaring it's my favorite spa ya because uh, I really like it as in like I mean I go there to have my hair remove hair removal services lah should instead of waxing they use sugar, sugar lemon and water and


I really like it there because of their very very good uh positive experience uh positive uh, customer service like the sugarist the therapies there are all uh they make you feel at home, ya, no I mean like we were the first time I went to for sugaring was like before my wedding and I'm like a bit awkward because they going see like you know


oh your body parts ya so it was kind of awkward I was like really like it was really awkward lah but my sugarist made me feel like oh, don't worry this is normal like , I also have the same thing as you and I'll try to make it less painful as uh as less painful as possible for you like she really made me feel relaxed when it was a painful process like you know hair removal are always very very painful right


ya, so she make it like a less painful uh process and uh more pleasant experience for me ah so that's my favorite spa, but if you are talking about cosmetic brands I like to use Body Shop, that's my favorite brand I mean I know Body Shop sells like uh body things but they also sell cosmetics and I like


Body Shop because it's natural product used and they're against animal testing and because I used to work in Body Shop so I really know a lot about their products , natural products meaning they don't they don't use like


a lot of uh chemical, synthetic uh things, ya like uh they use like what, , organic ah they use a lot of organic things like organic uh argan oil organic marula oil


ya those organic things lah anything organic I like it irritating , what's the difference between organic and non-organic organic uses, organic uses okay for example you grow a mint plant


okay then you want to see a main plant growing very healthily, so you use uh fertilizer right, ya so that fertilizer, you have to see where that fertilizer is from is it a chemical fertilizer


a synthetic fertilizer, not all fertilizers are chemical, some fertilizers are just using natural uh like for example, uh, you can actually get like potassium is a chemical uh element right so potassium you can actually get from banana peels banana peels are very rich in potassium so potassium is actually very good !wow! suddenly I'm talking to you about all this


potassium is like very good in uh very good to actually enhance, the root growth of a plant ya, so some companies they use uh that potassium uh chemical itself but, some companies because they prefer organic fertilizer so they use uh fruit uh fruits of foods as a fertilizer like leftovers you know


oganic lah ah that's the meaning of organic it doesn't involve any , high high chemical, compounds high percentage ya right (hmm)


so what about you what cosmetic brands do you use pretty sure you use a lot


okay but why you are why but why do you have a lot of favourite brand, is it do you really care about the ingredient inside the brand like, for example you want to use a foundation do you really care about what's inside that foundation because you have a few favorite brands, ya


like do you read the ingredients okay this one what does it have


so you like it because it's coconut


so but do you agree with me that organic products are, preferred, really why, I thought I, I thought my my explanation to you about organic is quite clear like less chemical used I mean of course lah there's a lot of uh preservatives always have like chemicals but


the fact that I like Body Shop is because they use less, uh, uh less preservative


but I have something to say to that because I find that uh ya you are right everything is all about marketing but there are always like, uh, bodies like I mean organizations, that is observing okay does this product has high toxic uh content or too much of


uh for example I'm just naming ah things that is inside my mind uh for example does this product has okay high , potassium level or high nitrogen level like there are governing bodies which actually control all these ya so that's why I said that ya yes quality control you're right uh that's why I said that uh I the reason why I like Body Shop is because


like uh, all products have preservatives like you said you're right you're right you say uh everything around us is chemical but, I feel that Body Shop uses lesser of this uh, chemical content in their products and there are certifications and


, uh organizations which certify okay this product is , animal cruel cruelty-free blah blah blah something like that ya or is uh FDA this is or not okay not FDA uh, uh what do you call that basically a governing body approved lah that's uh it's uh organic or blah blah blah you know


I I I cannot remember what is that uh organization called but anyway you get what I mean, so ya lah so favorite service Grab


ya I use Grab like almost everyday to, work to for transportation it's very convenient, it's very convenient it's like I think ten years ago like we do not we didn't have Grab like you have to like hail the


taxi ya, but it's because like with Grab and then my workplace to my from my house to my workplace is very near right so every day my Grab to my workplace is like about six dollars, ya and then the bus fare is like what, I have to take two bus so one bus fare is like one ninety


then another, bus fare is another I don't know maybe one dollar, so it's total two ninety then six dollars minus two ninety is how much, three dollars and ten cent right, so I rather pay for I've rather pay that uh the additional three dollar or ten cents uh first thing is because for convenience sake uh I get to travel by myself I don't have to share with public and then third is I get to wake up


slightly later, and slowly eat my breakfast at home instead of rushing to chase the bus and then like you know get in the bus with other, people ya that's me, that's the reason why I use Grab, and and then like my friends and I we did this uh


calculation of, whether owning a car is more expensive, or whether taking Grab every day to and from work is more expensive, ya, this is just from our house to workplace lah so we did like this uh calculation for


about ten years, then, we decided that taking, Grab, is actually cheaper than owning a car because car like every month you have to pay your for your car and then secondly is you have to pay for your fuel consumption


and then third is insurance for the car okay then you already okay third is insurance for the car and then fourth is like maintenance you need to maintain your car what and then fifth is, parking, and then the sixth thing is if you are traveling to town you have to pay for ERP and parking in singapore it's not cheap man is ya


is definitely not cheap so I would think that taking Grab everywhere is cheaper because you don't travel out every day is not there are days where you stay at home what, ya so, all in all I think that ya having a car in singapore is a luxury


more than a need, ya unless you are in other country like malaysia like you're you need to travel from town to town and, it's not convenient to take public transport so you have to have a car but I don't think car in singapore it's a necessity lah it's more often if it's more of a luxury than a, than a need ya ya so


I wa thinking that sports and fitness or health and wellness, what do you think about health and wellness, or sports and fitness I mean these two are like


why do you think the government singapore government is doing all these for the citizen, like for example uh, do you know about the CareShield, plus the CP, the CareShield Plus, that after you after you reach the age of


thirty uh you have to, it's mandatory for you to actually pay a certain amount deducted from your MediSave you know your CPF you have your ordinary account you have your MediSave account you have your special account right you have so uh are you aware that after


thirty uh the government, will is mandatory for every singaporean, to, uh sign up for this CareShield you automatically sign up for it lah and then you have to pay a certain amount deducted from your MediSave this is to cover you uh for any illnesses that you may have when you reach


a certain age, are you aware of this CareShield like, ya it's actually a new plan just implemented I think last month it's quite a recent plan ya maybe you not aware lah because uh, uh it's it's it's it's especially for those who have, uh turned thirty and above ya


what but why back to why you were go back to our topic of ya why do you think that the government is giving us


but why why do you think it's why why do you think we need to exercise, I think okay you're right you're right okay but I think that the government is giving us this hundred dollars and like putting this mandatory CareShield plan after thirty right


is because basically singapore is an ageing population okay we have more older, people than younger people, so we the government need to take care of all the older peoples at you know some older people they don't even have savings or they don't even have enough to cover for their uh in uh hospitalization or illnesses when they get old


and then secondly is I think according to that the recent statistics right there are a lot of people getting, into uh diagnosed with major illnesses ya like especially diabetes


or uh high blood pressure or cancer ya so I think that's why like we are moving in this direction to have uh, a healthy lifestyle that's why the government is like awarding every singaporean hundred dollars, ya because, they find that as you age right


, those people that fall sick or have these illnesses it's because when they were younger they didn't even think about all these health and wellness or sports and fitness, ya, that's why you can see like a lot of gyms opening up


in shopping center lah what the community centre, ya, I think lah I think so what do you think, ah, oh ya ya I want to ask you, so, what's your favourite bubble tea go-to which bubble tea is your favourite


like Koi or what, iTea oh my god I don't really like iTea !eww!


I like I like I like Koi though Koi is like so nice lah it's like a Koi is like actually right if we were talking about price ah iTea is cheaper than Koi Koi prices are like more premium, but, I think it's worthy ya Koi is expensive the price is premium but I think it's worth it because of the quality the taste is like is very different from Liho or Gongcha


ya my first, choice is Koi second choice is Yocha, ya I, think it's more of like home brand leh is like a, budget brand no lah no lah not , oh I love bubble tea I


know I know when I buy for you bubble tea you always don't want topping, but you always go for hundred percent sugar


longer than the lifespan


appliances or skincare, uh more than I don't know eh I think I think I've never, as in like okay maybe there is a skincare like it has expired but I just use it once and then I'm like okay I I don't think I'm gonna use it I mean it still works but


I think I don't think I'm gonna use it again, cause it has expired, oh that time I did I did I did I use uh maple syrup is maple syrup consider as a product one of the product that we are discussing about I think it maybe ya lah whatever lah I was just gonna say it maple syrup the maple syrup expired on like for example thirtieth september then we ate it like one week later and it still tastes good


so we that just finished the maple syrup


they have personal insurance is so share the details


part one finance ah you mean that starting I have to say part one finance okay kay, okay I ask first


they have a personal insurance


oh what what insurance you using, oh Prudential, uh for myself actually I have also from Great Eastern but the normal the normal one also the hospital one but then because my agent I think he stop working there so the last time I actually wanted to claim it was so hard for me to claim because he wasn't there anymore


then when I ask other people like how do I go about find another person or what then they are just like keep finding finding finding but they never get back to me, so for me insurance you really have to find like your one very good like keep in contact with you and on


because my one wasn't there already so after that made me feel like insurance good meh I know insurance is good when you have hospitalisation they will cover and all, but because I couldn't cover my then like the agent just quit that I feel like whether is good or not


maybe not all lah ya lah


understand, for me I actually want to change to another ah I want to go to Prudential also because I heard a lot of good stuff about Prudential insurance then and also one of my friends actually under there and she's been


working there seems like forever she's thirty-eight now back then I've seen her from the start there from nothing to the like the manager there I guess she's going to stay forever lah, so I maybe I'm going to change but I haven't hit her her up yet or meet her meet up with her


ya uh the most I can do because I already talked about it then I know that I am not in a, very good health also you know that also what, so to back myself up I think I should really get one a proper one


then after that like I thinking of putting aside at least about two hundred if there's anything around there that I can put that's benefits me in the future


okay then how about, do you have insurance for your kids, (mmhmm)


(mmhmm)


oh


because I heard like for kids usually very expensive let more expensive than adult


not really I don't have any plan because


of that age ah


ya that one I I still don't know who to nominate that's why, I still don't know who to nominate, ya I already think but, ya like very hard I don't have kids


I want to put my mother name but then, what if she pass on before me, then !huh!, ya I know don't know lah see how or not you all just fight for the money lah


, for I know something about the CPF one so basically for CPF one you nominate


uh any of your family can goes to according to the percentage also, so how much you want up to you that mean you got ten children ya that's what I know from my friend because she


then you also need the money need nominate one per cent to be like the, uh, hard to say ah like someone who just look over like, what do you call that ah ah ya


ya I got one word lah I forget never mind but someone to witness


actually I got travelling overseas insurance that one is free dine ah I forget under who but then


it was promoted to me with diners so anything that happened to me oversea like normal sick even they cover like fever or rashes if I go to the doctor because I get it oversea I get it covered, but I didn't try anything yet like I never tried to claim yet or anything because nothing really happen I think because the reason why I take that is because I find myself liking


traveling so I think I have to have that because some insurance that we have in singapore is only for singapore it doesn't cover you when you go overseas so that's why I get, I think that one monthly I but it's a small fee is only like monthly like fifty dollar plus


sure yeah other than that, property of course we have insurance also but that one is just a normal insurance for property,


ya that one is a must I think, ya, standard one only right


I think is okay though does it cover the furniture


oh okay that one I don't know


ya of course but, my mother as we know her mother is covered by our first sister


ya so at least if she were to be hospitalized or what I, we know that she's already covered lah I don't know how many insurance can one person have also I know you can have a few but having a few like separately it'll be quite confusing right


ya it's easier to get just one per cent who handle everything right,


so and I say, if you are an insurance agent, what will you ask like, ah, ask your client or the plan that they cover, like the while lah at at


oh oh, how about like you when it comes to insurance and investment, let's say you want to do investment do you put them together like under the insurance company because they have investment and saving account for old age


(mmhmm)


oh but actually depend also, like sometime they say oh you will get this amount at this certain age but you get lesser than you what's supposed like you're supposed to get cause it happen to, ah my partner ya


either fifty dollar or not leh,


but I will invest at another place I don't invest insurance I think if I want to do an investment, and also the stock market also actually not bad but a bit risky but your the return would be more than the


insurance actually ya, a lot a lot more, but I don't know in islam okay or not,


ah ya correct, very difficult


that's not easy


they should actually allow them because it's our money ya


ya correct sometime you just want to do something to yourself


experience for me mostly for product, wise, chain also is more to a customer service or like at a restaurant for food


yes and also sometime the food also like how people actually market it and some people like celebrities do review for them and all


then you like oh you might look it because it look good the way they say like this is good you guys should try and or you know that I am the person who actually will go like go travel for food, that ya


the disappointment when the food is not nice I can even just stop eating I don't want to eat it anymore I know like spoilt brat lah but I'm not a spoilt brat I just don't like when things doesn't go to what I think is lah basically


ya, ya ya correct correct, so,


nope I'm very very nice , , I ever go to uh maybe because I I remember this valley where like day fresh day I go to korea, I you know I actually like korean food so I tried these are Tteok-Bokki at this halal korean restaurant maybe because it is halal and I know that korean food is much better when there's non halal stuff it's not that I tried non halal stuff before but


is because maybe just the way I think lah then so I checked this, Tteok-Bokki and because we are the only foreigners there the ah like grandma like the cooker lah like very old lady


so he keep looking at us and like you know expect me to give good review but I cannot swallow the food but I still try to finish at least half but all the way I do this, but in my but the whatever I'm saying to my partner is like oh my god this is so bad I cannot Tahan can we stop you know because I don't want people to like personally I cook myself


of course I want people to tell me that them food is not nice and all but is sometimes hurt you when people say, you cook not nice especially for them they actually open a shop to sell up their food knowing that, people like their food because their food nice that's why they open their shop and that shop actually lasted so long there also


so, ya so if like me example to suddenly come out and say like oh I don't like your food and all I'm a foreigner some more, so I feel like bad for them so I didn't tell so whenever my food is bad or what I don't really tell people I just don't finish my food and then I say I'm hungry but I will eat again lah at another place


ya but I'll say I'm full already, that's me even if my partner cook is the same thing I eat half that's it uh I'm done I'm full but it actually the food is not nice he's not because I'm not hungry or what yeah I'm just a nicer person


don't charge my food at at


for me I only eat I'm the kind of person who go to restaurant when I know what the restaurants sell I will eat the same thing so I always eat the salmon ravioli at pastamania but


they don't sell them anymore I don't know why I think you know which friend, no I still going I still going there because my partner like to go there


but I just, eat like the now I check I always eat the Laksa pasta, that's the only ya that's the only thing I'll eat, other than that I won't I will never actually, eat anything


seemed to same goes to any other restaurant I go I would always eat the same thing but then let's say is a new place then I will try a few


I actually talk I actually work in F&B before at this restaurant they serve good food, but it because, uh, as a muslim you need to have the food halal right and we got to know that the supplier that where the meat came from is not halal so that is when I stop eating there and I actually ah


I'll tell people who that one go there right I will actually tell them like if you're okay with it, the food is not halal, Cucina, Cucina restaurant I don't know whether they change already now what but last time when they just start up I did work there


ya, so the one of the chef who, no is a muslim owned I don't know for now they have halal cert or not because it's been like two three years ago but during that time they didn't want to take the halal cert because he said that he's a muslim he's a french guy but he's


he convert to muslim the wife is a muslim also malay lady and I trusted them because ya lah we muslim while you know you're not supposed to serve other people non halal food but, after knowing from the chef the chef actually made the call than ask whether the meat is halal or not because when the food came it wasn't there wasn't any sell stated like this thing this meat is halal but it wasn't


ya so that's why he made the chair then ever since that day he told us if you are a very particular about all this then you don't eat from this kitchen, so I, I was shocked knowing that you said you are and like a muslim owner it shouldn't have the done that way because muslim people tend to like oh is a muslim owner they just come in expecting everything should be halal


ya like especially for you you're very particular on this, I am not that particular I still go for subway in singapore we all know last time subway singapore wasn't halal but I still eat them knowing that is only bread and you know fish or what


but, some people are very particular oh this thing no halal even though they say no pork no like you guys won't touch that but ya for me I will still eat but is because of, being honest to another person who want to eat that food and then when they came knowing their oh hopefully everything is halal and all but it's not and you're the surfer and you as


you go like actually is not halal leh are serving you non halal food or whatever in your head so I actually tell all customer the truth, like tell them nicely I don't I never state that oh the uh food the meat is not halal or what because most of them come and say uh do you have halal sell then I say no it's not are halal satisfied satisfied but


if uh if you want the eat here you're is up to you because you you you should know whether is halal or not lah because it's only muslim owned, but I cannot confirm you feel that all the item of like all the food that they order is halal because I working that I cannot say eh you know the meat not halal you know that will backfire on me also what that people can you just come here and said you know this girl tell the meat not halal


let everyone, I ever since I know that they serve are non halal meh I actually quit, after one week because it's it's so painful to actually hold back knowing the truth


ya I don't want to be the person who let another person eating a non halal food like not everyone is okay with, there's no logo or what that's why I just stop and quit I even confronted the owner saying that you know you shouldn't do this blah blah blah but he didn't


he didn't really accept it he just say I'm a muslim do you think I do that then I then after that I like but you did you know, ya so I just say maybe this is the last week I will that's what, and the


oh


(mmhmm)


so basically they forget to take out the promo price lah


ya me also, but I'm the become, person I'm barely when the food is not nice I don't tell people right but, if your service when I asking question or what and you don't entertain me or you are very rude to me or what I would actually tell you off


like can you be nice or when the cashier like, do the thing like not happy


ya, customer survey very important I even ever buy an item from you know when you walk pass some shop then after that they asked to can you try do you want to try I always I am very bad at saying no


to that those kind of people ending up they will talk to me but I will listen because their customer service was good even though I like I say ya even after I said oh it's okay I don't want to buy it's okay maybe you can come back you know I like that kind of people


yes , uh, so far I don't experience that before


ya mostly they send me like moisturizer and on but, usually it's just normal standard moisturizer, so for me if it works it works lah but I don't really go and buy again, unless is Sephora I love Sephora


for me


uh saying no to a person might I don't know maybe I think about how a person, would feel too much, that's why I always like nevermind maybe they're bored with their job so let's entertain them also so they talk to us like that that is what I feel lah


especially when I walk alone (ppl) and entertain anyone (ppl)


part two positive product review


okay let what do you think we should


for me I'm obsessed with skincare , ya so big I've tried a lot a lot of skincare from, like the cheapest range to the most expensive range and I always try to keep it to my


, what I can afford lah of course when I tried the expensive range I just want to know how good is it and why does it, uh, you know like why does it cost so much, so


yes correct so basically I ever try a cheap range example like, uh my soap bar, that I wash my face with specifically is for the face lah so it's okay, that was good and it cost like only seven eight dollers


but my favorite uh product, ya it's a papaya soap bar, ya I think uh skincare ya


I think skincare is not generally for like what fits me, doesn't mean it will be good or new, because everyone have different type of skincare also, so ya so but for me one thing that really suit a lot of people who actually I recommend because I love it so much is quarterly it comes to like with


yeah yes is very mild is ya, it comes in different kind of range from like what you want in your skin if you want UV or you have acne skin or because you have a lot of scars when you


face and you want to remove it that kind of thing I ever use it when I have very bad breakouts I actually use it to clear off my acne scar and they actually do very well and the pimple doesn't come back like


so badly after that I so ya very very good


glory yeah


they're beautiful skin yup and, ya that is best product and also like I ever tried at expensive product like SK two damn good


but I cannot afford because he's finished up very fast one thing, and also but for the price tag that they put in and where they promise you your skin's gonna be super good and all they deliver so that's why I think SK two is good but I'm not really sure whether is hundred percent good when actually I stopped using it and my skin just backpedaled and get worse


than it used to be ya so, that is when I discovered quarterly it might be a bit expensive for my serum that I've been using the vino perfect is like ninety seven or ninety eight dollars but it last


me about three to four months so I don't have to buy it every month


right I think so also


ya I think so for me also like I do need to wear makeup but ready now


I would prefer to use my airline


service that I, actually try only a few lah because uh for the pricing also and I always lookout for the best price and also the comfort when you're sitting on it or what for long flight I tried long flight and I noticed that you must really really get a good seat


because she'd like can you can kill you I cannot even sleep on the long flight, like I try the china airline might sounds like eh china but then ah very comfortable, the seat is very comfortable like the you know how when some people are very tall


then they yeah they legroom is small but for china airline is quite big not very big but it's comfortable just nice if I'm not that tall and I'm just one six one six zero I thing but, to compared to like last time when I take like Tiger Airways is very squeezy is different


ya the width then also the sitting area like the leg part is not as comfortable as china one, then other than that, Scoot is not bad also but it's very close to Tiger maybe because it's the same I don't know but Scoot is okay


and for ya ya correct eh I think, good australia right no ah look lah I not so sure also actually ya actually traveling I just go for the good good pricing like no preference I just want to go holiday like ya but


unless is a long flight then I will and long flight people say you just take a direct flight but I think transit flight actually make it more easier black short transit maybe three hours transit or what because you get to walk around and loosen yourself up


cause you sit so long already then you will know like stay inside like for let's say about ten eleven hours it's so tiring maybe because I'm the type of person who need to move around a lot I don't know but, I still prefer transit because I still can go out and Jalan-Jalan loosen up okay then after that I come back and you know not that bad ya but some people will tell me eh why you never take direct flight why never take she cannot sat seats so long


that's what my thought of, depend on how much package should carry maybe, but just throw at the that one lah but what


cargo area so you don't have to carry your bag what


making noise and on


maybe you should start with short flight first with them, ya, because crying kids in a plane ya lah, some people like eh you like very like petty lah people cry also like kids what you know that kind of thing but then I ever hear a baby cry before it doesn't annoy me because maybe I'm very used to you children around me but then some people give the expression of


flight not nice lah, but definitely for traveling wise just find the best deal lah, for me lah I will try to find the best view nothing about the flight tight or what because I'm okay with trying out different kind


of flights I want to try Emirates


yes not really buy okay, for me for clothing wise I will go for Uniqlo because they got


more of a long, sleeve and long pants since I have to cover myself up and I think uniqlo is one of the best places or the under the block owner shopping centre what cheap cheap one but of course Uniqlo is the best for other than that maybe for shoe


I like like vans lah converse, snickers, ya


ya correct but I don't let converse because of the hard thing behind


but other than that maybe the hair cut okay lah,


for me I don't have a specific brand I am the kind of person who go for the look I don't care what brand you are ya if I like you I like you would play that


(mmhmm)


ya, for me also actually I like to even test the material like I understand some people when their bag is so expensive they don't put on the floor so one day I will just want to try buy one expensive bag like put on the floor I know


ya put on the floor walk in the rain like you buy so expensive for what if it cannot stand the rain if you cannot put on the floor, ya, so I want to I really want to try to buy one expensive bag


and I wouldn't feel hurt lah if it spoil or what because I like to test the product and see how long it last maybe I should buy one like maybe like five six hundred bag my bag costs three hundred I still put on the floor


, it's a good bag I actually put a lot of thing this, my work bag I spin a lot thing inside already also but because it can


can hold the weight sometime I put like two jean inside I know I bring extra pant sometime, two jeans heavy stuff books I even put my laptop inside and is actually very heavy and the handle is only like that know like so small sewn into uh sewn onto the fabric but I don't care


I haven't even seen like uh slight tear or what yet, , maybe I think yes, I put on the floor I while in the rain


the Bimba one lah Bimba, Bimba ya, not is not as an expensive plan I think is like the Mango range like that, ya but it last long so is okay maybe I want to buy the small one also for I don't know


no not also I think both lah, it is good but it's ugly I'm not taking it ,


ya like example also food food also the same we keep using the same brand because we know it delivers some people say should try another brand but I didn't go because it's easier for me to use Iphone


(mmhmm), same I also


he use the same thing okay


uh part one finance, oh okay so, ya can , uh yes I do have a personal insurance but uh is just the uh


the normal uh hospitalisation insurance I don't have any rider add on because uh at the moment, uh, I just had a baby so and also like my family I have four kids so I'm not ready to add on rider but I'm I'm always in contact with my uh insurance agent


he always uh ya he always come back to me if there's any promotion to add on rider whether the light or the premium one ya for but at the moment I I don't have any like


rider to my personal insurance for me and my kids how about yourself are you did using Prudential ya


basically I also feel the same way as you like when it comes to agent because we, I don't know about yourself but for me when it comes to insurance I'm quite lost like what is the updated one you know what is the coverage of insurance and and stuff like that so


for me insurance is very important especially when you going to old age or what because your health is very important without my health I cannot take care of my kids you know, I want to be healthy first with like also my insurance agent also say that I should like add on rider for myself instead of my kids first because I have to


cover my my own health first to take care of my kids which is true but at the at the moment financial if for me is not not that, you know I not working so is very difficult for me to actually add on the rider to my insurances


ya ya


right, for yourself what percentage of income do you think you will actually spend on insurance since you say that you are looking right so do you, do you feel that you will actually, provide a percentage of your income like in monthly basis to actually top up like cash


two hundred is actually not bad eh you can get a premium one yup


really you can actually get a premium like, for the hospitalisation rider right you can actually get a premium one if uh the light one is about hundred plus if you can afford that would be good lah for you to add on because ya like like I see lah hospitalisation insurance is


in singapore especially ya, yes yes I do so at the moment I, have for, the first to my kids I already put them in undermine insurance and the the third and fourth will be under my husband's so uh yeah we we separate lah so it's a yearly thing so every year they will uh deduct our MediSave as you know lah


the premium is about two hundred plus each and it follows the age right so ya the the the amount of deduction is different for for both my kids which is under me ya


uh depends on the age is actually the same for adult like depends on your age then see how ya, how your your age, not really it


and not really actually they depend depends on the age that is a expensive what because at a certain age kids are actually prompt, to injuries like by the time they, run and stuff like that so ya


so it's not exactly expensive but is this about the same about like maybe fifty dollars off and stuff like that, ya it's quite okay, how about uh do you have any endowment plan


not really did you add add uh do you, do you want to have it like endowment plan for me I think I should start doing it already because like especially my my kids right


so I should have a normal plan like just in case like nominate someone if I were to pass away or what ya, how about for yourself, sorry


oh I see but I myself also lah, then you change lah you can change


uh, as for me the norm the the, nomination you can only put one name with it do you know about anything about the nomination


ah so you can nominate up to how many


person oh I see I see it's not just one lah uh


I'm not too sure myself, okay anyways anyways


Morni do you, it that is hospital insurance right so the I I I want to ask you do you get any insurance when you know like buying car or when you travel overseas or what do you think is has this has important has the hospital insurance and personal insurance


ah


uh, yeah same here like the house I mean house fire insurances right ya that one is uh ya is a compulsory but you can actually do an additional


because HDB only provide the, for the the ya the standard while the the interior the, of the house of the HDB flat


no no it doesn't ya so if it there is like a few insurance company company that you can seek for, for light fire right that covers your furniture and stuff at the back ya and you will have to top up lah


okay anyway some going back to personal insurance right do you do you think that is a is actually important for you to get insurance for your parents your mother


I should think so lah


ya true, but ah but, as for me I feel that the elder generation, you know your body is like so call use up right so had the the older you get the more you had you were account


like signals the possibility is more higher when you're older like been we, like when you when you like, you know go walk and you fall your bones are more brittle brittle and stuff right


at so I think when it comes to insurance like rider I think is, for elderly is a must in singapore because at for as far as I know the hospitalization fee in singapore is not


it's not that cheap because we we give I mean singapore give a very good you know medical care, from my opinion lah I feel that singapore medical is top not


ya, so


okay like I say the beginning I like I have, I know not say know nothing about insurance but I don't keep myself updated that's why I'm very thankful that I have this insurance agent that keep me up my toes you know because I'm has I have four kids and very very little time to actually think about insurances


so he keep he keep like updating me like you know there's this promotion would you like to sign up for really like every now and then he he fill me in, so if you asking me if about insurance agent what question will I ask I really cannot answer like you know you get what I mean because I don't know the insurance


the word of insurance so is where ya ya


actually I, I I heard about that you know, I uh the, mixing the insurance and investment right I think is, I think is okay because like having an investment through insurance is actually not bad of an idea because has you leave your daily life


like you know when you get your pay you pay up your you know your dad your bills like monthly bills and stuff like that and for you to actually have a discipline to save, is very very hard I feel that that way because we tend to spend money


so the the possibility of you having, save for your future like you know it's very lethal so having an insurance and investment at the same time like you save uh maybe uh like you put aside fifty dollars or maybe hundred dollars for investment through insurance


and I think I come across like you know at a certain like after, two years of three years you can actually take out some of the money or if you if you don't want you can just leave it in there which is very very good investment I actually I just heard about this recently


so ya our our, is it, (mmhmm)


uh I see but I I but that's the thing is like if you think of investment and you only think of the short term like in three years time or in five years time you have X number of amount, so is actually I think that is actually good that you put aside that money then you you know move on from it like


like within that five years you just keep that money inside because that is what investment is all about seeing your money grew, you get what I mean I mean is it ya meet , sometime ya lah I I I think they they actually said that something like you will get hundred fifty by the end of two years but actually you just get hundred dollars is a small amount of different but


ya that one I'm not too sure because I haven't really looked into the investment of money yet, ya, it is a lot but if you think of investing your money, you know if you think of investing your money and seeing your money grow I don't think I would personally like aspect to actually withdraw at the end of the two years if the actually already say ya at the end of the two years you should withdraw this one or you get this X amount because


for me is like if you you invest, money right I want to see my money grow and it's kind of my saving I left there is a emergency that kind of thing then I will you know requests to take it out it's like fixed asset ya and take a withdrawal out of the


the investment ya, ya perhap with the bank is also not not so bad


is it stock market, oh uh


I this is due to be, ah ya he cannot take interest eh come to think about it ah


there's a different conversation already is like oh my god now you you mention it ya we also have to think about that,


ya, MediSave deduct the the the, originally account then medisave you can only use for certain certain procedure and is at only capped at a certain amount like for dental


how many how much per year you can use and what procedure you can't really use it for like you know if you want braces or something like that, yeah MediSave right I really think we should use more of our MediSave that we are entitled


part three negative experience product review


hi, so morning did you have any, , bad or not so good negative


oh I I I totally agree when it comes to ya is this the service that is given, right


how they market lah how how they market the the food


you you don't get what you are promise especially when it comes to face


same here, but I'm actually a bit nicer I will try my best to finish but, I will actually leave feedback when if uh


now we're talking about uh the food the the the food the taste of the food so when it comes to taste of the food I will, really try my best if is really really very bad I will actually send back I would actually say that these food is bad I I won't make a big fuss but I will actually send back


nicely like I cannot eat this because it's too salty for example, have you ever send back your food


(mmhmm)


, it's not under business lah in other words


I see, , no anyways for me when it comes to food and restaurant lah I tell you I ever, send back my food because like I don't know come to think about it when I send back my food I was pregnant ya


I did send back my food at pastamania, at the, at which outlet was it, , I forget which outlet was it I think the somerset


uh, somerset outlet I did send back my pasta because my, pasta was soggy and for me I really don't like soggy pasta so I did send back my food


and after that, I asked for a different dish because its spoil my mood for that particular dish already so I will ask for your different dish, if they insist in insists on bringing the same dish I would say then forget it don't need to bring me another dish


and I expect them to charge, I expect them to charge me like for that food that I send back I don't like you know make a big fuss they said you know donate it yes yes but that's the thing that I'm


I feel pastamania, not, as the years go by the standard really really drop for me I don't know about you but it really dop, I used to love for pastamania but now is not one of the choice to choose for me lah I mean like I used to like pastamania I used to eat a lot of pastamania


because I like it then as the years go by I feel that their standard really drop how about you do you feel the same also, or is just me I don't know


oh, so you stop you stop going there just because it doesn't sell ya ya I know I know you always on the salmon


oh I see I see


, have you ever have you ever boycott or, you know stop going to a restaurant because of the bad food or the bad service


how how do you know


which cafe which cafe is that, oh, oh


but do they have do they have the halal cert muslim owned


ah I understand oh


ya that's me


ya so you you you


that mean you stop going there already lah


knows eh ah okay I get I get what you mean


I actually


I actually I I don't stop going to a restaurant but I I actually stopped going to the particular watson outlet because of the service


ah yes because the the cashier was was very very rude to me, that's why I stop I am that person like if I like that thing or you know for example like when I go shopping


as you know when I go shopping I don't like, I don't like the the salesperson to actually follow me around I mean their is their job to actually ask me like uh do you need any help yes you know but if I I say it's okay I'm looking around


I I don't like to be stared down on, the keeping their close distance to me, you know ya so for me I I I actually stop going


to watson the Bugis outlet because of the cashier being very rude to me, you know like I ask her question like because I I think I pick up uh


item onto that I thought it was on promotion so when, you know when they when cashiers came and the amount come up right so I I ask her I I go like isn't this like on promotion why is it not promote promotion uh price then she say she snapped at me I don't know whether she have a bad day or what


but she straight away snap and me she say like, oh uh this is not this is not a promotion price, it was on promotion but it was it is no longer on promotion


I think so it is not on the price tag is you you know watson sometime they don't have price tag they have you know the the tag on the shelf itself ya so my first thing is like


okay you can tell me nicely what you don't have to shout at me I mean you are working you are a cashier you work with people daily like I used to be in the, customer service also, yes for me to be on service line I I I just


stared at her lah because I but I didn't I can tell you that I don't go to that particular after so many years also I don't go to that particular watson anymore just because of that very day which is about maybe five no no


four ya four five years ago, I mean for me service, are very very important, if you give me a very bad service I I won't I won't buy from him from you even though I need that thing uh so much


you know even if there's a need for me to buy that thing I won't buy from you because you're being very rude that is just my opinion I don't know I I it's just it really is a turn off, it really is yeah


I I will do to ya for me because I I think


is like for me I feel that service because I think people who work in service line we expect a lot from the service customer service or the service people


because we know we know that, sometime ya we have a bad day and stuff like that but you cannot take it out on customer ya it's your job to always be be you know upright doing your job right that is basically your job so I really feel when it comes to


like shopping or having a meal in a, in cafe if you have even if you have rude waiter or waitresses it really turn you off it will really like it you you know sometimes you have nice meal then when the waiter or waitress like being very rude to you it really really just bring you down or make you feel like


really did you have to do this kind of thing to be really you know that's why for me one top notch will be, actually service you really really it is it is really, important to me whether is uh like in a shopping center or in cafe you know I really feel that service is very very important


ya


uh, it's very hard for you to say no, is it, have you, so what most of the time you you end up buying right they do you that will at the the goods that you buy was it bad that you have to stop using or throw it away is there any


oh okay will be so funny if you actually, ah okay, (mmhmm),


ya lah you won't purposely go and, buy the no I I'm actually very good at saying no to things that I, don't know about donate donate don't know about ya


for me the service the service is very very important


part two positive product review, okay has four have has four product


reviews what are some of your positive reviews so far about anything you can it can be like makeup it can be food or services like movie experience I guess


I know that


(mmhmm), yeah ya


uh whether the cost and the standard is you know worth it or not ah, (mmhmm)


what what soap bar is it it was it the papaya soap bar or something, (uh huh) oh I I, I try that you know but it


I think he just don't suit my face, it does suit yours is it


ya ya true is yes correct,


agree you recommended me Caudalie and I agree it's very very good brand, thumbs up seriously , ya


ya the, (mmhmm) yeah that


eh same here as for me for quarterly I like the actually I started off with the aging one


when I use the aging one and it really works wonder on my skin I start uh ya slightly after when I thirty when I'm thirty that I starts only starts to, you know like take care of my skin and actually I buy first product was actually quarterly which was recommended by you so by first line I used was actually the


aging anti aging it works for me but I also try other brands as well, and for me the, two of my top choices of brand will be quarterly and also origins


I love origins also the uh vitamin C line it really made my skin, not has dull has it is you know I can see it brighten not like bright hazy with fair like I'm I go any fair or beg my face white or something like that


ya is more to the the glow that I like about origin but I only like that particular thing only for origin so it's like you know, origin smell nice, is ya is the vitamin C moisturizer that I like is like so I like it


to use on it the like daily basis, in the day is good for me because it's the gel type not the cream type like at night I like to wear heavy like the cream tie because you're going to sleep and when you wake up


it's just, yes it's like twin so ya


uh ya


than before oh


ya ya that, that I know the serum for quarterly is ya is for me I bought the serum for maybe sixty sixty five dollars the blemish one I just try this last month I think


ya and it can last you a while for me a stay home mom I really appreciate that you can actually stretch up to three four months like four to five months sometime, yes it's it is worth the money lah


for, it really worth like and you know to see the positive effect is really worth it I think it's a really worth buy for me


, eh okay anyways, when it comes to travelling right yeah do you choose your airlines


and do do you have any you know any services from which airline that you, you you like best you like best because for me I don't travel so I want to know if, everything is fine with I mean lah I like to go travelling but I want to do what is the best like for you lah the services of airline which do you prefer


(mmhmm)


(uh-huh) ya the leg room is it


(uh huh), uh the the seat lah the seat small is it, (mmhmm),


Scoot and Tiger, both are local right Scoot and Tiger yeah maybe that's how if they come up with the idea


ah I'm not too sure eh when it comes to traveling , , or you don't have any and and, ah okay okay okay


ya I understand, true but some some people think that transit is, parcel also is depend on the individual lah like totally depend on them true


sometime is not because of the day it's a it is definitely individual because like you think about it if you like for me if I were to be travelling


especially with my kids it will be a hassle for me to do actually a stopover you know a transit because I have to, take them out of the plane then make sure the you know, not cranky then I have to you know give them food and stuff like that


and ya for me ya bed may be a long flight but I think it totally depends whether how they behave in the flight if they keep you know agitating ya


making noise crying a lot or what yes transit will be perfect but, you know if they comfortably sit in the airplane seat I think it's better for for me to actually go for a one whole long flight than doing transit


that is definite definitely ya


triple


oh I heard good review for Emirates never try but ya, anyways ya true do you like to shop


do you have any favorite brands for like bags or what


I I also like sneakers I I I like ya for me for shoes I like Skechers but nowadays I don't really wear them ya so I mean to sneakers as well


like you say Vans I don't really like Vans but, Converse, , starting to fall in love back in Converse because years back I been using Converse has sneakers but, so I starting to we'll see how about it ya Converse is long lasting


, when it comes the shopping actually I prefer bags I have lots and lots of bag my favorite bag


favorite brand of bags will probably be Crumpler, because they can last so long, I mean you it's not that expensive I feel because when it comes to the quality is very very good and it can last you for ten twelve years if is being cared for play and


it's really long lasting for for, Crumpler ya


for me I'm more to a person where I don't, I don't like to buy you know when you can compare the prices right is either you is actually the same about the same style of bags then you compare the prices right


then you go for the cheaper one some people will go for the cheaper one for me I will go for the quality for me I don't care if it's expensive and is branded people might think that I'm materialistic but no actually I like to buy, well known brand


not the high end like Gucci or what but, for me like like I say Crumpler I love Crumpler because I know the quality and I can keep the bag for like, ten years as it will still be in good shape for me to use that's why for me if I liked that thing I liked that product I will keep buying the brand because I know what when I pay that money of mine I will get whatever I want the satisfaction you know


just like skincare like you say like Caudalie we see result we love it same goes for me when it comes to bags and shoes ya, ah


uh true


what brand is it but is it a good bread bag I mean


(hmm) , (uh huh)


how long have you been using the bag them, close to a year no , what brand is it again, I can check it out


, ah


ya the I think the, I think both of us about the same when it comes to like goods right we want to see the value of money you know, like when I pay, uh good money for it I want to see what you know like exactly like I it should be worth my money to pay that good and you know like


definitely what, I think some people like you say you go for looks, I don't think so you would pay more to to quality then, right, ya lah but but would you buy something that is


of course lah okay okay fine


ya, is user friendly for me also I stick to Iphone I when I switch from actually I switch from Nokia to, Iphone and I keep using Iphone because I try using


my friend Samsung phone, I am not used to it I'm not used to the, you know I, yes so, when it comes to phone Iphone yes, I agree totally user friendly


totally user friendly ya not much about phone because his Iphone , oh


(ppo), okay


maybe I can start sharing about my uh personal finance uh


understanding and motivation and then I'll move on to the personal insurance part so for me as a twenty seven year old I uh take a conservative uh financing approach which is uh number one having a a normal savings account and uh number two having a backup multiplier account


where uh I hope to see my savings grow at a faster rate because of the higher uh multiplier, when you purchase uh via your credit card and also when you uh credit your salary into a multiplier account , so on top of that I also put aside some money uh to uh investment apps such as uh StashAway so this ensures that uh my money is also growing uh and uh ensure a diversification of a portfolio that means if let's say the multiplier account decides to give me lesser interest


I am able to uh go on into a a second, , uh portfolio which is the StashAway for personal insurance I actually , you know uh have a diverse uh provider for personal insurance the first one be uh being Aviva which covers my hospital co-payment scheme


meaning when I uh let's say anything happens to me in a accident or or uh something like that it helps me to pay a part of that uh you know uh payment scheme uh for for my hospitalisation fees and uh you know things I have to pay over my inpatient uh uh


uh treatments and so on uh on top of that I also uh sign up for another insurance scheme under the uh, uh Manulife where it covers uh some sort of uh critical illness and early critical illness


uh payments that I might have to pay in the event that uh I am unfortunately uh diagnosed with things like cancer and uh unavoidable uh you know uh and non-pre uh pre-determined like genetics


uh conditions and also at the in the event of death, my dependence and my family members will get some sort of a payment uh payment package depending on how much I've paid in the premium so I again I go for the conservative approach where , my uh monthly premium payment is uh quite low and it allows me to and ensure I put aside enough money uh currently as a trade-off for uh in the future where things might happen to me so maybe Iskandar you can share


okay so for me my approach uh my understanding of personal finance uh has three layers right , the first one being uh savings the second one be with uh being insurance and the third one being investment so for investment right I think at this age it is good to start early uh set finding different investment portfolios early


so at this current moment as we are speaking with ah I'm also looking into property investment , meaning buying uh of uh private properties like condominiums or , uh uh you know uh any kind of property condominiums especially , uh to see if we can buy low and sell high in the future so in that sense in the next three to four years I'm looking at uh it's uh uh this this tool of property investment as a form of saving plus uh plus plus investment uh uh as long term investment


and also on top of that uh I'm also always on the lookout for some sort of social investment ethical investment I think at this age there's a lot there's a lot of, you know uh for example putting in some seed investment into a a eco-friendly development uh you know that is building up in our neighbouring countries like malaysia indonesia so if uh again it also gives you some sort of returns of investment but the difference is that you and you are sure uh you are assured


that the investment product that you are you you invest in is ethical is sustainable and is also uh eco-friendly for example so these are very uh interesting tools that we can use to ensure


that uh not only we have enough money at this current moment we do also have enough uh wealth and enough, it uh you know uh savings for our future because nobody knows what's going to happen in the future I think in also uh as far as our faith is concerned uh islamic finance is also quite a thing that is rising so things like investing in gold investing in


eh again ethical concerns are also uh you know something that we look uh into in the near future but currently I have no such investment tools lah not not investing in gold yet , another another important uh another interesting


uh investment that uh my a lot of my friends are into is the uh electronic investment things like bitcoin cryptocurrencies and things like that uh while it may seem as a very new age kind of investment suitable for digital natives like us


it is quite risky in the sense that it is volatile meaning uh the you can you can uh they can be bubbles formed and they can also be uh very sharp spikes and sharp uh declines in our in this kind of investments, so uh for now I'm restraining from that uh refraining from this kind of uh investments that are a bit more uh risky so all in all I would say that my investment strategy is a bit more risk-averse and conservative


meaning uh you know I don't go for the uh high high risk high returns kind of portfolio I go for the low risk uh but low return and also liquidable kind of investments mean something that I can okay let's say I need to use the money in one month I'm able to withdraw it


so for example uh to to to talk about the the invest uh insurance scheme that I'm in for Manulife, it is actually an insurance plus uh investment uh lifeready policy which means that you put in a lot money for now but at the age of fifty five you're able to take out let's say about ten thousand dollars uh of cash or you know more than that I think


uh about ten to twenty thousand dollars of cash for your retirement fund so it works some something similar as I see it as something similar as CPF actually that I I put in a lot of my youth uh age uh wealth or income into something that I can reap in the future so maybe I can ah you know plan for early retirement


okay maybe I can just uh add on some point so it's just number one uh it Iskandar and I both come from a family that is from the lower uh lower middle class uh family


so that means uh we have uh grown up in a manner that uh is quite conservative in terms of our spending what is spent must be lesser than what the family earns, so I think uh in terms of prudence of spending it is uh inculcated in us so for example when I wanted to buy a a car a second car for the family if if


it had to be taught many many times because uh that means uh it is not just a liability but it also adding to the output that the family spends as a whole, so talking about owning a car what why I decided to buy a car that's really out of


pure necessity but I understand if in singapore uh it is buying a car for example is uh maybe not the smartest financial decision one one needs to have uh what one one can take, so that's that's one point spending uh spending within our limits and also living within our means


so but number two I think as an economic student I I find a lot of importance in understanding the financial instruments of, uh the singapore ecosystem or singapore policies things like CPF, you know it is not the easiest topic to understand uh naturally but when we talk about CPF the ordinary account the special account the retirement account


at this age or maybe for the past five years I find myself researching and learning what actually uh can be done using these accounts so things like when I do my post-graduate studies I wanted to you know use some of the money that is in my brother's uh uh


PSEA account that would later on become the CPF account right, so understanding ah ah for my advice for the young younger younger, you know population members of the population or members of the public is to really understand or look into the singapore ecosystem or the singapore policies if you have enough time to look into things like the singapore uh savings bonds how we can you know put more money into our retirement fund uh our our CPF


or use part of our reap uh uh CPF funds, to transfer into our parents' retirement accounts translate to our parents' accounts as have been allowed by the CPF it's if you know all of this like sort of tips and tricks I think you would do very well in as uh singapore financial structure because in every country how uh you know we climb through the financial ladder is


is very important so two things living within our means is very important and also understanding the singapore ecosystem and it singapore uh policies I think just one one last thing to add for my side is that, uh, as an an opinion that islamic faith or is it that muslim culture uh there is also a a slight


a a advice a good advice to refrain from uh having debts or refrain from having loans unnecessarily, so the idea of having a loan while it is uh important to to you know buy things like housing or it is unavoidable but as much as possible when it comes to luxury items when it comes to you know things that you don't needs like housing


we should uh avoid it lah as far as we are concerned and also things like interest you know because we are believers of islamic faith again interest uh, uh it it is a it is a very tempting to to put uh to to gain a lot of interest uh save uh interest uh wealth I would say but


uh again it is something that if you can avoid you should avoid so that's all from my side


okay I think just uh one last point it's also the importance of uh income right so when you find a job I think it's important for us to ensure that our career is uh, you know can feed the family basically can uh make us live within our means so that's just uh something to think about as a young millennial at this current uh you know day and age especially during the COVID period so that's all


part three negative experience


I think I think number two uh I think it's good that Iskandar started off with a disclaimer that well all six of us in this house is using uh the home Singtel wifi and also Singtel uh mobile data so both internet connect with our basically our whole


internet experience uh whole life is you know kind of dependent to to singtel so but we also cannot attest uh to say that Singtel is probably the the worst provider because you know we've not tried the other brands so these two are two important disclaimers


so I think for the first one I think I want to say that the internet is such an integral part of our life now uh you know everything from food ordering in Grab to transportation in Grab , through you know internet connections for working and also even finances you know payments that we make through uh the banking Ibanking systems and all that so we cannot afford a very prolonged period of a no internet-ness


in our modern life so I think I echo what Iskandar says but not just to the home wifi but also in the in overall uh internet coverage even outside so for example when I you know when I get very mad at using the home wifi I'll switch off uh the home wifi and move on to the uh Singtel coverage but even at times


both are not working and you'd get very frustrated because that means you cannot move on with you know at least some parts of your life that you you would have, or want wanted to but I think uh second point the second point makes it even more a bit more displeasurable like Iskandar said it's


that it is premium pricing you know with the premium plans and Singtel is premium priced , uh it is very expensive it is uh compared to new new providers like Circles Life and things like that uh it's already we are paying a lot of money for something that we can get uh much cheaper but again I think our family is quite old school so we stick to the local uh you know uh we we stick to


uh what we we are used to which is Singtel for many I've used Singtel for you know as far as I can remember my first phone I think uh but I think over the years it has become a little bit more uh, you know something that you can't really rely on hundred per cent so for example over the past in may right in may uh while Iskandar is teaching I'll I'll use the other room to do my exams for masters


so in an exam condition you cannot go wrong so you know you cannot have your your your systems die on you when you want to submit , and things like that so I've taken two approaches for this number one I either do it outside in my workplace or number two I use my mobile hotspot so which means we have to pay you know if it exceeds the data that we are given so again it uh it's again about money which is not so


uh you know pleasurable uh for me it's like once you've paid at uh for that plan ah I expect to be you know, uh served using uh you know uh adequately lah if if not then I'll expect some compensation , I think the third point that makes uh make a bit more you know uh we sound a bit a bit like a a full uh why me in the in this session but I think it's important that we lift it up number number like I think also importantly when you have a service that is a bit uh unreliable you would expect a aftercare service that is


you know that would compensate for it lah so meaning when you call through the hotline you would expect that number one somebody wants to speak to you and number two you are given compensation means either your bill is halved or waived or you know things like that, when I over the past few years when I've called Singtel number one it's really hard to get through the hotline


and you have to press so many buttons before you finally reach the customer service officer which you know if I'm as a yeah I mean if if I'm the young one as a young one I experienced that can you imagine if it's our parents our grandparents who are trying to get through the customer service


it's more maybe virtually impossible for them so number two ya uh you know, compensations are very rare for for for my experience lah meaning if even if complain that oh for sunday our our data has burst over our limit because for the uh a particular day it it just you know our why home wifi was not working so I think


if you are an integrated plan provider you would understand the grievances that if your home wifi is in is using Singtel if it's not working I switch on to uh mobile data it's under Singtel as well , uh you know ideally I would expect Singtel to be able to understand my problem right uh but you know sometimes over the years it has been quite like Iskandar said a bit uh distasteful lah you know that experience that we get and aftercare service but again uh just before I pass back the the session to Iskandar I think I remember


most importantly uh we are unsure if this is something because the uh ah my my my hypothesis is because they are putting in a lot of resources and effort in putting up the five G network, they have some sort you know uh kind of neglected uh you know the four G users or the wifi users uh I don't know that's my hypothesis lah but you know it could be


uh as a whole service provider I think as they move forward to chase the technology race it should also keep in mind those who are still using you know four G their home wifi or relying on this this kind of networks yup


okay uh ya that's right I think it just to tail on that number one I want to say that recently I've interestingly read uh some newspaper article that says that uh Singtel as as what as the other two provide main providers Starhub and M one


has been uh you know uh served their justice lah you know they have been fined uh in the courts by by by the state for failing to provide of uh uh during uh exceeding their downtime agreement meaning for a long period of time uh places in singapore are sort of uh you know you can't get internet


from those areas but the thing is you know as end users we are not compensated right the money goes to the state , where we don't get like a free bill the next month or something like that so that's interesting to know how corporations are being taken to task for what they have failed to do but again as uses it is like a lose-lose experience you lose the net network during that period of time but you also you are also not compensated uh after their these corporations are