so I think uh overall I think we can sum it up that uh on


all these uh product and services provided by our singapore uh restaurants uh service provider ah these these uh uh are good service and uh would like to comment that uh uh that, basically this is above average and uh are able to achieve the customer satisfaction and delight lah so also uh I think on our part uh we we have to really know uh what we we are looking at and uh uh


be patient when we ask for services ah so that uh it it is a two way communication so, a a lot of time uh people uh get angry and shouted at the frontline people and uh I think these frontline people are


just doing what they they they can and their with their knowledge to assist us so we hope that the service standard will be able to rate to be ah even better, ah ah over the time uh I think it is also important uh uh we look into education and uh training of the customer service staff and so that we can get uh good


and uh better uh improved service from, every every uh restaurant people who are in the frontline telco hotline uh service staff as well as uh uh people providing uh different different uh services uh be it uh


uh uh uh sales of uh of uh electrical electronics or or or in the uh healthcare, uh industry uh leisure entertainment so everybody will actually enjoy lah uh in a way and and uh complement uh our


our effort lah in in this uh making uh uh singapore a better place ah so I think basically uh we have actually uh, look into all the different uh services provided and I think it is all above average lah uh compare to any other places like


ah so we hope that this will continue and improve, uh with with continued education improvement uh and training I think now uh due to COVID ah a lot of people uh also do retraining I think it's uh very good uh to always upgrade their skills lah


I think is this will also improve the service scale of uh individual and part and parcel of being able to uh to to to be a a a the whole system become so nice and the it it will be a very uh graceful society as a whole


demanding and uh, so uh also we we call it <mandarin>感恩:gan en</mandarin> ah it means uh we we we must actually uh hope that


part one finance, hello helen


ya savings account I actually have uh one that my mum actually opens for me like since I was like, probably a few years old the typical POSB account the bank book kind then you'll have to go to the bank queue for very long


I think you also have one right, who


oh you just want to have the cards that's why you open so many oh okay because they all have different pattern right


in fact when I was younger uh, cause that one was since I was probably a few years old , uh all the while my mum actually kept the bank book that's, no ATM card back then I think she probably only started to give us the ATM card when I was in secondary school but it was very rigid so to speak lah because every time when


I withdraw an amount I have to make sure that I get the receipt and write behind the receipt, uh what I actually got this money out for and uh even if the machine is not giving out any receipt right then she will scold me also lah so that's how she keep tabs on my money


actually I didn't have much like you I didn't open a lot of account I only have the same saving account from POSB until now is still there and I , only have another one which I open in OCBC which is for the uh CDA and the government


uh, money that they actually give us when we give birth so you need to have a savings account so I actually open a savings account with OCBC and two for the two for the children ah the CDA accounts , so that's how I have another saving accounts other than that I don't really like to have too many accounts uh for personal lah that's for personal


I also have a savings account with the my husband, yeah


ya that's true, agree correct


yup I I do have a


hello ya I do have a credit and debit card from them I think uh, personally I have a credit card with POSB I think that, probably is the first bank because of uh the savings


savings account as well uh debit card probably comes only recently whereby they combined my ATM card together with a debit card function so I in fact I didn't quite like debit card because uh it's a bit


dangerous to use also because whatever access to the account , the amount inside can be uh accessible lah it just direct is directly deduct from there then credit card at least you you will know what you are spending on as well lah need to be careful lah


do you have a debit card


that's true ah


promo for certain card right ya, ya sometimes we actually get the cards because of the promotion or certain uh maybe like a certain petrol station you have I just receive one from, uh UOB yesterday for the petrol uh SPC petrol ah yeah so but sometimes we don't use that


correct correct, , actually


we started the joint account uh, prior to wedding so just to accumulate the money for the wedding so we started the joint account and subsequently is more like a expense account uh I find that depending on individual lah sometimes if


it can if it's prompt that means ah if everybody put in their own uh monthly , uh spending or expenses into the account right it can actually quite keep track of what you are spending also lah for the, family but if it if it doesn't work both way then is a bit tough to maintain account as well lah


if not you will have to pay the two dollar fees every month for falling below the minimum amount, ,


is is very troublesome ya


, it's not easy to maintain the account also lah I mean given current situation because we will have our own individual banks will, to maintain them have to maintain the joint account as well so that will be a bit uh tedious also lor another type of joint account we have probably is the children account lah it should be a joint account as well uh with our children it's also savings account


that one will be maybe we can save for the children, (mmhmm), young saver actually POSB also have now they also have the savings account they also have uh auto GIRO account so it depends on which type


but generally is more for uh saving for them I think yeah I think yours is the same era as mine ah so we all have the young mighty saver account in OCBC, ya


(hmm)


personally personally I, got it maybe earlier than that lah maybe uh earlier secondary school time but to be honest I don't think that will be the future trend I don't think they will be owning uh ATM probably they will


be using their smartphone to pay or maybe we can transfer some money to them on their E wallet then they can just make the payment on a daily basis we don't need to give them a ATM card at all, I mean with the current


with the current digital device ah ,


correct so is basically they can store in their E wallet and stuff so I believe they will also have their smartphone much earlier than us ah so from there probably that will be another alternative because they some of them is already using the smartwatch to pay in their


primary school so that the parents can keep track and keep tab on what they spend and how much they spend in school so I think moving on they may not wait until they are sixteen, they probably will be much earlier than our time lor


, they are definitely more savvy than us in terms of digital worlds they are definitely more savvy as well


true in fact I think in fact a lot of, uh credit cards, they actually found the uh so called loophole because a lot of uh for example, if you are paying for insurance premium right there's a very lump lump sum if you are doing annual or even monthly right


uh they actually excluded that from the points collecting system or the rebate systems ya a lot of the credit cards actually excluded that portion so is very it's not easy to earn the points anymore lah but credit card I think recently I heard


there there is this uh chart standard chartered they they have some cashback, promo or sign up promo for spending a certain amount as well but haven't been, keeping track uh since COVID till now cause I've been minimizing my cards I think generally I have been


uh using one to two at most don't want to get into so many cards and forget to pay the monthly bills that's that's that's what I find lah, too many sometimes a bit troublesome you have to bring them or you have to remember to pay them if you forget then the financial charges is even higher


the late charge ya ya


correct correct ya if you keep too many cards and you don't use them also another issue because every year there will be the annual fee charges which is another hundred two hundred over dollars, minimum


ya that's what I felt that's why I didn't really chase on all the cashback the points, or the all the miles or, the rebates because uh I think that's a bit uh I for for the period now lah I think we have to cut a bit of the spending so not so much considering all those perks for now


not on the unit trust or investment products ah uh actually more on savings plans I think most of the banks right a lot of people walk in to the bank and they are more trusting to the bank staff so they easily take up savings plan from the bank through the bank instead of through uh insurance financial agents


so like for me personally I have one experience with UOB prior to uh them switching out UOB they actually uh will ask you lah since you have this uh joint account or maybe your personal account because they can see how much savings you have


or maybe they can see how much fixed uh monthly pay you have coming in so they usually will encourage you to take up a fixed savings plan which probably will, be like say three to five hundred a month set aside then they will create another bank account for you then that will probably uh some of them they create another bank account for you if not some they will just say okay I will directly deduct this GIRO


from your bank three hundred per month and this plan will be for say you pay for five years then it will mature in ten years or fifteen years, usually the ones that I took up the one that I took up in UOB is I think pay for five years mature in fifteen years uh usually is more than ten years last time so is actually


quite long good and bad, it's actually a force savings because if you cancel you don't get anything back , if you continue to pay for the five year the only uh cons that you'll have probably is to wait for another ten more years because it will take some time before it mature


the interest I won't say fantastic but uh at least is something that has been locked in uh which since young I think my mum always encouraged us to do that to put the money in the bank as well, so that actually uh affects individual uh like me lah I think


at that point of time is very tedious because every month you have to make the payment or every year you have to make the payment but subsequently when the maturity comes in right you tend to realize that oh thankfully I have make this uh force savings


for myself although there's a lot of grumbling throughout the years of paying and waiting but it actually , helps when the money come in you'll see that oh eh lucky I make this uh savings last time till now leh if not ah


I don't know how come I can accumulate this amount, right I don't know whether you have


, ya so


sometimes even if it's not really that big let's say if you save one hundred a month ah it's not so much but when it comes back it may you the amount is even bigger so sometimes when you find that okay !aiya! one month I only save five hundred dollar !aiya! it's nothing lah maybe we eat one two meal finish already


but in the long term fifteen years down the road it's actually a quite huge amount that we can (uh) see and will feel happy about it [orh]


negative experience, helen have you called in to any of, the uh any of the telco company before


sometimes after you press many number then then it gets cut off right that's the worst


sometimes , yeah that's the worst [orh] ya then that's the worst then you have to go through everything


ya correct


ya correct correct


I think they have to revise the uh automated machine as well because sometimes when you try to call ah the waiting time sometimes they do tell you the waiting time lah but the waiting time not accurate ah , then you have to keep holding on and holding on actually usually what I do is I will just call then I will just


put on speaker but sometimes when you ya then worse sometimes if you have waited for like thirty minutes then you have a call coming you switch over but when you come back ah in a split second , the line was cut off


then you have to call again and get back into queue !wah! I tell you this is something that I really hate ah eh no matter whether is it is just more on like customer, service ah depending on which area you called can be banking can be telco or anything this is something that I really don't like waiting and waiting sometimes I that's why sometimes I prefer to go in person just that now really a bit


tough ya very irritating you know,


, ya, ya


correct correct very difficult lah I think for the automated wise ah there's always different type of uh


uh complaints and all so is very tough on that part another I also don't like people calling you know last time they like to do cold calling uh on actually I still have eh I I still receive uh calls from those like beauty salon


uh or those that probably not PDPA lah but those maybe last time visited before and stuff like that, then they will say eh you still have some uh package left lah you know last time they like to hard sell !wah! this this is something I really I really don't like people hard selling so I have some package leftover lah that was like before wedding until now ah


then they will keep calling you keep calling you, ask you to go back to do facial lah do whatever lah I think last time I got, slimming one eh then before wedding mah <mandarin>不是要减肥:bu shi yao jian fei</mandarin> lor then they keep, calling me then you know like when you get pregnant you cannot go for slimming when you are breastfeeding you cannot get go for slimming then you breastfeed for so long right I think they also very angry with me


but I think I still find that uh not is not right lah they first of all they shouldn't, keep bugging keep calling and stuff like that sometimes I really just tell them that uh uh currently I'm pregnant ah you call me one year later something like that


because it's very irritating every now and then and is different from different staff eh sometimes they don't even, get uh any , uh details of what they have already call then another person will call again so I will tell them, eh you call already leh your your colleague just call me like two days ago I already tell you I'm pregnant can you write somewhere


then hopefully they will stop calling for another few months I still have I still have this kind of calls coming in also but now I think they also upgraded they what's app


so can be quite irritating ah sometimes just ignore them but it's still uh keep coming in, do you have still have package leftover or not


ah ya ya ya ya ya ya


ya ya very irritating, ya I always ask them sorry no time, no time no hand, they are deaf


next, next time can ask them to, take care of the kids ah


maybe,


you do that before , , yup sometimes from far away I will just shake my head already as in just to signal to them ya because don't don't don't need to say any


thing is quite obvious right like I already have so many things on hands with children and stuff like that I'll just initiating tell them that don't approach me


oh yeah yeah I read that I read that ya


earn money ah uh yeah , (mmhmm)


ya actually that but that one I heard before eh last time I find that uh before this case ah I think that is very ridiculous because they charged by per , per dot that they remove, per mole or per dot that they remove and if you need to still if they cannot remove don't know after the first try or what right it's still another charged or something like that and depends on the size also eh so it's a bit


ridiculous ah so they do say that like if that person has got many many uh spots ah then it will be much more expensive, so I think that one not quite reasonable eh I don't know how they can if it's a package then maybe it's just a package lah uh why do you still need to count how many dots that you are removing


painful


ya, ya lor, the that one is very


that one very similar to the when we go to Bangkok right they have all those massage, massage uh lady sitting outside the shop then they will, ask you to, go in for massage


with the children as well ah ah that one has got that one is quite uh popular there right then seems like a lot of people , then you don't know whether they are okay or not licensed or not things like that so a bit scary and worrying also the experience is not very good ah


ya so far I also didn't attempt to have any of the massage there although is always very popular right but I think better not


!huh!, did hotel


oh where was there near


that's quite recent already what should be quite advanced already right for wifi


is very, uh


ya but after that


but after that experience next time when you book a hotel you always check whether they have wifi available


I I have a friend ah previously she she had, err , she's a she's a cancer patient ah


but, uh she actually book a holiday with uh, her cousin and one one cousin I think distant cousin or cousin and her daughter so , they actually book through one agency they wanted to uh go to


I can't remember which which southeast asia country , so they wanted to go to one of this country for holiday but unfortunately she actually has to go, for uh


surgery, so she couldn't fly lah basically , so the and she didn't know the importance of travel insurance back then so she thought she she usually buys but she buy nearer to the trip but this trip was confirmed for a very long time like half a year ago so for her right she didn't buy the insurance and the


I think she didn't buy insurance the travel agency doesn't allow refund, so because on the ground that the the air ticket was on promotional basis, but for so there was some argument to and fro lah cause uh for her right uh they gave her an option change her name out but her daughter is travelling mah then who else can travel with


the daughter she's a divorcee ah so , can't be asking the daughter, to go alone with the, her cousin so is a bit tough lah for her situation and she's the like main caregiver of the daughter as well so she wanted to refund the whole trip


but that was the option that they they gave her lah, that uh cannot lor okay lor maybe worst case worst case that they they allow was okay they refund her the portion uh on on her portion ah but her daughter portion cannot that's mean the daughter still have to travel lah but


doesn't make sense right who is going to bring her daughter I mean she's still so small then who is going to bring her the cousin also don't want to take this kind of responsibility, mah so for that trip then is a very unpleasant event for her with, the agency and she usually book through agency and she has been booking through the agency


for I mean for past many years ah just that this is the one time off, experience that she has which is very bad for her she really feel that is non compassionate, and they really didn't , give her much option ah because if were to change her name


out uh you uh, on a mother's part point of view ah you need to find somebody that is very trustworthy to bring your daughter out for holiday right, then uh a lot of things to take care of as well and whether her daughter, is willing to travel with somebody else also is another is another question mah


then for her , although the, operation is about a month before the flight ah but she slightly certified not to be able to fly lah which the doctor has already confirm so that's why


eventually the trip has to be called off and they actually try to fight for the, deposit to be returned to them ah, so it was quite a draggy case so it was really bad experience for her lor that time so after that she realized she know the importance of getting the travel insurance once you purchase once you confirm your trip if you are not on annual travel lah annual travel plan


for insurance right it's good to buy the uh travel insurance once you have your trip firm up if you are doing a single trip for similar to her case so at least if, whatever that is not covered by the travel agency right you can actually claim from the the insurance that you have purchased


at least there's a coverage there then she won't Loogi her money of like whatever deposit that she has paid to the travel agency because whatever that they don't return she still can submit the claim lah through the insurer to get back the money yeah


so this is a, lesson , lesson learned lor so next time remember [orh] before you before you travel right remember to I think now a lot of people, lapsed their travel travel plan especially those on annual in fact I also advice uh some of them not to continue renewing because no plans for travelling in the next half a year right then you are paying the premium for nothing


so a lot of them actually didn't renew but must remember !huh! before travelling must make sure that you buy the plan before you travel


positive experience, eh helen


what what's your latest purchase for ten ten,


so is a is a pen okay, ya promo


actually I didn't know what to buy other than food that mainly this ten ten I think most of the purchases are on, food try to , not spend so much also lah a bit tough but mainly food ah food for the children


so far not bad leh the the codfish that I bought ah the one lah that I told you that that codfish right actually is quite nice the quality, ya you can try ya


I like the freshness then is very sweet tasty even if you just pan fry uh we we we try to pan sear this uh last weekend, also not bad uh no need to put actually I don't really put seasoning ah I just pan fry on the on the pan


uh will do because of the they they actually give us some oil so if you have a non stick pan right you just pan fry on on the pan will do , then other than that we usually just steam [orh] the one that I show you the video and the pictures right we just steam with a little bit of garlic then it's already very nice [orh] very sweet and fresh tasting


yeah mainly food lah actually for the children what else did I buy ah, oh yeah a a friend actually bought me a doorbell, because I haven't my ya because my my parent's place don't have a doorbell mah so the doorbell okay the doorbell hasn't


been working for years I don't know how many donkey years it hasn't been working so the the door bell right uh because if you want to do uh the doorbell I I think it cost about three three three to five hundred dollars uh previously ah , so now we have all these electronic wireless doorbell right so I was thinking !aiya! okay lah about ten plus dollars right let's try so there's two device


one is to stick outside the other one is to plug into the uh, supply right power supply, that's it so uh it's wireless then uh oh finally we have a doorbell I think I very happy with this product for now


finally we have the doorbell, because it's very expensive to to wire up the because it's uh a house mah


so if we need to wire up from the outside of the gate right uh I think, the wiring rewiring and everything will take previously quoted probably about three hundred odds to five hundred I think so no point ah then like not like every time will have people visiting us so is never never done


recently due to COVID we also seldom, we also seldom go out for uh food but I think uh when we do at times right really now we can see that a lot of the shop stores


even the fast food restaurant right they are very abiding on the rules and regulations, oh I brought my girls to pepper lunch uh one of the days where they didn't have school


we had to wait because the restaurant was full so to speak because of the restrictions of, uh the number of diners so we will have to wait outside I think we waited for quite a while but they were very nice , uh the lady will keep come keep informing us like okay maybe you have another ten minutes more okay or uh we are we are clearing out a table just wait for awhile things like that


uh so they are very nice ah at least they come and inform us at times to let us know the progress , how long more to wait uh estimated, and also asking us to take a look at the menu and stuff like that so after which we can just go in and order our food so still quite okay lah the the experience was good do you bring them out to eat


it's quite feeling right, yeah


the lunch promo lah, easier on the pocket


ya actually I've tried before uh not always but I think I've tried uh twice or three times before for the lunch ah, I find that it's very filling uh cannot really eat much dinner after that I mean if you if you finish everything ah that is if you finish everything I think it's quite quite a lot and it's good to sometimes it's good to have different uh like let's say both of us go then you take a chicken then I take a fish then we can share then we have


more choices for the set as well, uh no the one that I went I think with my friend was at suntec right there's one at suntec right


yeah so ah <mandarin>对:dui</mandarin> marina square, Changi ah


too far , ya usually it's uh uh, although you need to wait lah but at least it's hot uh I mean the food is hot so it's ready they made it on the spot and is very fresh [orh] so actually the one that I recommended to you right next time you can try the durian fried the fried deep fried durian like puff kind that one is very nice


another one that I like is the yam puff, the yam the yam meat minced meat, puff uh I don't know whether they they call it puff or not the the minced meat with yam then they deep fry it yeah that one is very nice too the other day we tried the #ngor hiang# ah eh no


is it #ngor hiang# something like that, [orh], ya that one is quite nice also I think there are three pieces three pieces something like that


that one is also quite nice the other time you say you bought some dumplings is it, eh


when you went to #pulau ubin# how was the boat ride


, fun lor is very fun


so she was so she was cycling herself, ah okay okay okay okay okay


!wah!


ya actually it's very bumpy ah the road but I think is very nice ah at least you did uh it's a workout day, it's a workout day for you muscles ache ,


uh haven't been drinking for some time then recently when uh phase two reopen right when we went out I was thinking I mean myself I was thinking if I should get some bubble tea to try I


don't recall uh when was the last time I really cannot think of when was the last time I drink , bubble tea and I think recently with the reboot reopening in phase two quite a number of places I think a lot of people like you say lah Chiong and buy the bubble tea so when I whenever I pass by


already minimize going out but whenever when I passed by if there's a queue I won't I won't wait there for for the bubble tea so hasn't been buying bubble tea for quite some time but I know you like right so have you been buying bubble tea


!huh!, now ah same right don't want to queue ya lor


maybe I'm nearer to the , bubble tea town ah we have like almost all the brand here so , walk two walk two step you will have one shop we have almost all the brand here


other than tiger yeah we have a lot other than tiger


the ya, so there's Gongcha there's R&B in fact I think R&B and Koi is also within walking distance only we have Partea, uh ya


we have the Chicha also Chicha Sanchen Playmade also have Playmade not bad I've tried Playmade before, but it's always queuing is very very long queue actually I I'm not a I okay I like pearl but I don't like to have a lot of pearls


but this Playmade right no but Playmade they have very nice pearls I must say their pearls are they were their pearls are freshly made and they have very unique pearl like cactus uh something like that so that one is really nice their pearls are pretty nice


uh but the queue is very long so, so I usually don't like to queue I think I only tried twice, ya twice


ah, don't know what to drink right


Partea ah <mandarin>有一个是:you yi ge shi</mandarin> Partea I think,


I haven't try that before there's one , I think uh previously there was one under the MRT track but I think they closed down as well there are too many it's very competitive ah here uh in Tampines there are too many stores the branded and the non branded ones even non branded ones if you go to the


those like beside the shophouses they also have quite a number of them maybe it but it's definitely much cheaper ah maybe uh like one fifty for a cup of bubble tea they still have those but I think it's more for children school from school and stuff


other than that oh there's one tea that I like I think is Liho, or Gongcha I cannot remember <mandarin>金萱茶:jin xuan cha</mandarin> I think I told you before but usually go for zero sugar so


ya I like tea mah uh <mandarin>好像是:hao xiang shi</mandarin> Liho I think, I think Liho or Gongcha leh either one I forgot,


the other time when you yeah


I cannot remember the name leh but I didn't eat there, the ah ya,


they are of Michelin already leh you can check out their Facebook ya, just has a little bit far lah I have to take grab if not is quite uh nice ah yeah


I still see their posting on Facebook, ya ya I think I went ya correct correct same [orh] twice I think they the the it do you still remember the leaf that you like to eat I think it's pumpkin leaf is it the other time you mention don't know what vegetable


ya you don't I so far I haven't seen it haven't seen it, selling in ya the food not really [orh] but their, their dessert is quite nice also a bit different from our our dessert lah like uh the yam paste all this is a little bit


different from what we have for singapore , uh but the sticky rice all these the more local ones are okay, ya and the sticky rice right, the one right uh before we board the flight because we still have some Baht left mah so in the end we <mandarin>打包:da bao</mandarin> I don't know you bought or not in the airport I bought two I think but very expensive in the airport is very expensive if you bought in the streets ah is much cheaper though there is like


!wah! ya but in the in the air airport was probably five hundred ya it was quite expensive but you can bring back to singapore lah


part, one finance, eh june you do you have any savings account , do you have any savings account can you share with me what your experience, okay okay


ya I have a few lah when I was like maybe in my secondary school , I actually open a lot of saving account like from UOB OUB DBS POSB OCBC all I go and open because I thought like having a lot of bank cards you know last time there is a lot of bank cards then I find it very interesting so I went to


like open savings account because previously there is no minimum savings so you just like maybe put ten dollars you can open the savings account so I will just go to a lot of bank when I'm in secondary school ah then I will just open a lot of bank account , to, you know have a few of the ATM card


ya, ya I just have uh own to have the cards for, ya ya that's why I open so many ya previously ah , yes yes then I thought it's like it's it's very cool to have a lot of bank cards you know it it when I was in secondary school but after that I think when the economy wasn't doing well so a lot of bank they merge together so slowly my five card become like three cards then slowly two cards that kind


okay then okay, okay okay now but now we have all grown up right so uh we all do have a savings account for ourself so which is the savings account that you are you currently have and the you know the features and why are you choosing this bank


okay for myself I still keep my uh POSB then my UOB I still retain so I just keep this both ah these uh you know it sometimes when , because now the interest rate is also not very good so I just !aiya! never mind lah just keep these two then also sometimes when I see the POSB queue was very long right


then at least I can have an alternative to go UOB to withdraw money ah at least it's like you know I don't have to queue like five ten minutes to to for the DBS queue because usually it's always the DBS POSB queue is always very long I don't understand why I think majority of singaporeans have this


POSB or DBS account so usually the queue is very long so usually the DBS OCBC the the queue is really like only few people sometimes even no people so sometimes when I see the queue is like super long like ten over people then I will just go to the UOB or the OCBC ah because the card can be used on both


uh ATM machine so I'll just go to either one and withdraw like maybe the money I need then I just go off so I don't have to queue for five ten minutes just to get a twenty dollar out oh, ya okay !huh! ya hello ya okay (mmhmm) okay


ya correct correct, yeah uh , uh I do have mine is the Takashimaya debit card because I want to earn points whenever I whenever I shop at Takashimaya


so I applied the debit card uh at Taka so that whenever there're sales at Taka so I can go over there to purchase then at the same time I can earn points but of course having said that uh having a debit card uh you will just deduct from your bank you know


at that instant you know whatever you you there's no uh, chance to accumulate like maybe the credit card points and all that ya so is a is a downside lah the the cons side ya the pros side is that you can control what you spend ah because you know your how much you have in your bank so you will not overspend that amount


ya lor I think credit card ya credit card I I also have I have POSB, and UOB then, ya just for like grocery shopping to earn points and all that ya then maybe some some of the like departmental store they actually have like uh accept certain credit card so that you can earn rebates ya ya correct


, okay


yeah yeah I mean I don't drive ah so petrol is out of the question for me okay got just now you mentioned that you have a joint account with your husband right so uh are you able to share uh you know about, why are you like having a joint account


oh ya correct correct uh I used to have a joint account with my husband as well I think we open up Maybank , then after that we also stop, contributing ah then just like maybe I think beginning of this year or ya I think is beginning of this year will be closed the account so I think having joint account


uh I think if you really want to have one I think you got two like both signature also can take out the money if you like both I mean uh uh either signature can take out the money if it's only like one signature right that I mean if it's both signature then it will be tough lah if one party is not around then will be tough so ya so it will be good if let's say uh troublesome also


then if let's say uh any unfortunate accident happen to one party right then the other party cannot take out the money got to go to a lot of uh like the the trouble to get the money out and all that so ya so is quite troublesome lah so we decided that each of us just keep our own money then we at least we know what bank you have and all that


oh ya correct


ya ya , correct correct, I know the young savers right, , ya I think it's a young savers account lah the young savers, the one that we open up


when


ah ya that one that one ya so OCBC yeah so when they are older maybe can just pass them the bank book and the card but I think at what age do you think is appropriate for them to own the ATM card so that they can uh actually manage their own account


I mean I felt that the appropriate age maybe when they are they're sixteen, I I don't know , is sixteen a good age, ya uh


I think so I think now now nowadays is ya, correct but even nowadays I also I mean I I I saw that ya ya ya I saw my, friends like having like the UOB visa on their smartphone so they just pay using their phone


ya okay ya I think probably that would be the case ah because nowadays the children are like more smarter than us when we were younger , , ah correct correct


ya correct correct , okay then how about like you know we like is there any particular card in mind that you actually go for , like some cards offer, better cashback better discount I mean I'm not too sure lah sometimes maybe with that time we sign up UOB uh it seems like the cashback is better but now it seems like they are taking away a lot of like stuff like the even like topping up grab point it means ya I'm I'm using UOB lah we are use that to top up my grab


uh wallet and all that the but they are taking away that uh like you so that we are not earning that kind of rebates ah so I'm not too sure whether is it , to move to another bank


okay yes yes yes correct ya correct


basically I have two, ya , ya correct I I only have we only have two lah for our family the UOB and the POSB


so ya I think two is enough already it's not too many too many like you know I think some people they will go for a promo lah whenever they give voucher then they will sign up then after two years they cancel ya and all that sometimes is like that lah but I think generally keeping one card or two card is enough because if like if like like what you mentioned if we forget


then the you know the the the what you have to call in for waiver and all that, ya the late ya the late charges and all that so it's a bit troublesome ah to also call them to ask for no no to ask for waiver and all that so just save the trouble just keep to one to two card I think that's good enough


ah correct correct, ya I think if you didn't meet their minimum spending or what you have to pay the annual fee and all that uh so uh I think keeping one or two card is enough because that you know that card will be the main card that you are


be using for your grocery maybe for your for the the kids education for the insurance etcetera etcetera so, I think it will be good lah if let's say you just keep one or two cards that was good enough for, for you know for the family I feel


oh yeah and then like talking about bank right have you ever like purchase any investment products before from the bank , like maybe investment links like savings like through through the you know that there will be some like you know some what unit trust isn't it have you ever purchase anything like that before


(mmhmm)


okay, yeah correct correct


ya correct correct I also have ya


I think I think it is good lah like the enforced savings on our part to to the, bank and also having said that right then you know you you die hard you may you you endure that ten years or fifteen years then after that it will be a substantial amount the maybe the money may come in handy after that I think which is


good for for us ah as individual ya ya correct ya


negative experience, negative experience okay , ah yes


[orh] yeah I think, can I mention name I think ah okay okay Singtel , sometimes like you have to wait donkey years ah for them to pick up the call , sometimes I hate waiting like


you call there is like you know the the pre recorded messages press one press two !wah! I keep pressing pressing sometimes you had to wait for another ten fifteen minutes ah for the for the customer service officer to pick up I was like find it very !wah! very troublesome ah like you have to go through uh the long wait


, ya ya ya so there're there're there're even times whereby maybe you get disconnected I was like disconnected I got to try calling in again ya you know


, ya lor ya lor I I don't don't really like it ah, ya you got to press one again then press you know two and then four then again we do everything once again so it's very troublesome ah I I don't really like


call calling the telco but so far , I I don't really call the telco now lah but sometimes it's other other things lah like you have to wait for quite a while sometimes to get to like uh you know certain , like I mean I find that some some some like some


take some of the pre recorded message right maybe they open at eight thirty but you have you press all the options already right then they tell you our operating hours is from eight thirty to five thirty PM I was like why in the first, place ah you don't say that in the you know in the beginning like uh our office is close


please call back later you know at least people will not have to keep pressing through all the options ah then you tell me we open at eight thirty if I call in at eight o'clock right, then eight thirty then you open then you should have the message in the beginning that says that we open at eight thirty please call back later then at least I know I don't have to press all the options then later you tell me you open at eight thirty !wah! I Lagi angry you know or not !wah!


I was thinking like how come ah, this this hospital I think is KKH ah every, time like that one I think the must feedback to them ah I feedback already ah so no action taken so upset, then how yes yes yes


[orh] , ya ya correct correct


correct correct I also don't I I I also don't really like the waiting time ah because like like I told you lor it's like if if you open eight thirty might as well you say in the beginning so that, people will not have to press [orh] like who will go and remember what time you open so usually when early the morning like uh maybe eight thirty then some open at nine then nine o'clock then you tell me you open at nine lah


then is better what not like, keep pressing and pressing then in the end ah I get the message that we are open from, nine AM to six PM I was like why in the first place you don't say then I press all the options already then you tell me , !wah! I very angry oh but uh, but this kind of thing ah you tell them already they will say oh we will look into it and we'll improve but improve until now still no improvement !aiyo! my goodness


ah [orh] oh


yeah correct, oh therefore so long,


oh okay, ya yeah


yeah correct correct, (ppc)


, talking about, uh I think mine maybe closed down already lah I think I do have but I think that one closed down already so currently I did sign up a package recently ah but that one is friend ah so I I I was I mean I go there for pedicure and all that so okay lah but I just don't like that you know sometimes you know


the place I stay at #ang mo kio# right so you walk past certain like those beauty those are like eyebrow shaping that kind of places right so sometimes they see me ah like we I I my my both my my hands are full , then I I was like holding hands with sam with samuel and then my with janelle beside me then you ask me


can't you see me with two children how to <mandarin>修美碗脸:xiu mei wan lian</mandarin> with the two children crazy right I was like you're don't have, you don't have mind one meh your brain ah no brain one , really like


yeah, I was thinking like eh <mandarin>你们:ni men</mandarin> your eyes blind is it you got see my children or not how to <mandarin>修美:xiu mei</mandarin> ah how to <mandarin>碗脸:wan lian</mandarin> ah in front of my children really ah this kind of, people sitting outside ah really their brain ah I think is put inside the cabinet one ah


really I don't understand leh , sometimes, I just ignore I pretend I never hear I sometimes I really I really ignore lor sometimes I, that's mean maybe it's very rude of me ah but I just don't care lah then, can't you your eyes ah don't you don't have eyes one your, eyes is on your in front on your forehead you cannot see one meh I got two children with me then sometimes I


I carry two bag !wah! you think what I can put down my thing there with my children like uh <mandarin>碗脸:wan lian</mandarin> ah you want my children to <mandarin>碗脸:wan lian</mandarin> and <mandarin>修美:xiu mei</mandarin> also is it, really one eh , I I really don't like especially at #ang mo kio# got a lot of this kind of people sitting outside ah I was thinking right , !piang! eh you all got nothing to do every time if somebody walk pass just


them to say <mandarin>要修美碗脸吗:yao xiu mei wan lian ma</mandarin> , really ah !aiyo!, I never lah, but I feel like doing that [orh] sometime, I will just like, shake my head lah very annoyed ah then I give them very annoyed face [orh] like don't come and mess with me you know


oh ah


ya ya ya because I I feel that all this I think I think we we also heard from like recently there are a lot of like such such salon, right don't know at I think Facebook got posted right like some some uh maybe older folks our eight maybe our parents kind of


of age then they go then they do anyhow then you charge them few thousand dollars eh few thousand meh just remove what what the mole and all that, it's a bit ridiculous ah ya you remember the the one back irritated ah when I when I saw that piece of news I was like like oh like you you all


never, think of like you know the compassion for the old folks like just want to wipe out their money I was I I do not know how's the case how's the case like lah because because that time I was just reading the Facebook that the the old uncle was like paid three thousand or what


I was like !wah! crazy ah three thousand for, removing the the oil, the one you call <mandarin>油泡:you pao</mandarin> ah I don't know what is the english name for that lah but you know is is too ridiculous already lor, ya


is ridiculous ah, ya


ya that time I think the the the one that we read up right from Facebook the old uncle was like don't know how many dots he has ah that which amount to like three thousand dollars, I was like !wah! at one go you remove so many dots on the old folk ah you got you know got mind or not the person


like you want to you want to earn money also not like that right just one time for a old man then you just remove so many dots you you really think I mean you come to think of it I was like the person never think of it <mandarin>的:de</mandarin> meh it's a old folk eh where you can one go and remove so many thing like the the uncle may be suffering there also you won't know one


but I I I I I I don't really enjoy, this kind of experience ah where people sit outside and and all that I think they should they should be uh you know like <mandarin>拉客:la ke</mandarin> like that ah you know like oh uh people want, the people just go in nah why you need to sit there and say you want to <NEN> next time I


think ah I I will I will if I if I I got the mood ah I will, told !huh!, ya ya ya they will ask you


ya ya I think Bangkok also ya


ya ya ya the the Bangkok one I I didn't I didn't really try I don't really dare to try also I think a lot of my a lot of other people will go there for massage and all that but for me I am not so keen ah because I think with the children and all that it's not so like you know to to go to go there and


just you know uh for do for massage and all that, ya


ya I also don't really dare lah so to speak , how how how about you know do you have any bad experience staying in the hotel, at any you know any hotel in singapore I mean in in in overseas


uh so far for me right I don't think I think, I think for me I don't really recall much but I think I am first stay in one in hong kong, that, hotel quite pathetic eh there's no wifi


I was like, I I think, that time when janelle was don't know how many years old ah I can't remember I think should be when she is four or five


ah , ya that hotel no wifi you know like I only go to our room have like even the lobby don't no no wifi, I was like usually some of I mean many other hotels ah during the lobby area have wifi will have wifi


already but that hotel don't have I can't remember when was that ah, ya but, I I don't enjoy the experience so that that hotel , I forgot already I I I cannot I cannot recall which hotel is that but that was


that wasn't a happy experience for me ah because I was like !wah! <mandarin>连:lian</mandarin> wifi <mandarin>都没有:dou mei you</mandarin> you know no wifi leh very torturing then I don't know I think we go nearby seven eleven to buy the, the a ten dollar SIM card or something like that lah if not it's very troublesome ah I was thinking that maybe got wifi easier because you can just when you know connect to wifi but no wifi then we go and buy uh a normal SIM card for that for that


one week we are there so it was it wasn't a very, pleasant experience ah for that, hotel I can't remember don't know is it prudential or what I cannot remember already,


ya ya ya ya ya I will read through the reviews ah because that time that hotel I chose that hotel is because it's quite centralized then , and it is near to some of the nicer food chains ah then also recommended by a


friend of mine but I think she because I think for her she has no problem cause she is like I think business trip mah business trip which she can claim whatever but for us is for holiday it's different so ya I think that that is the part that I didn't check carefully ah so I didn't didn't, read the fine print carefully as well so that was like


you know unpleasant for me lah during that time when I was like in hong kong you know that that that time but overall I think it was still okay, ya okay oh


okay, ya ya okay ya ya ya


I think is important lah ya ya correct okay okay


positive experience, okay eh june do you have any ah, yeah you go ahead


purchase [orh] okay I think I bought the, brownie baking pan I think if you see me posting on Facebook right I have been like baking quite a lot recently so I'm I'm trying out to , uh bake the


I mean using the the the new purchase, item the brownie baking pan with divider I'm trying out that to want wanting to use that to bake my brownie so that's my latest purchase from that uh from during ten ten lah , I think is the price is reasonable


ya is a baking pan brownie baking pan so is quite good I saw that the price drop then I quickly go and buy it because it's it's like okay it's not so expensive ah so I just buy it ya, now how about you do you buy anything


ya


oh okay ya ya ya I just receive my codfish yesterday so I'm going to try them out , I'm I'm going to try out maybe uh probably tomorrow maybe go to steam ah, okay ya ya mah , ya ya correct ya


oh doorbell why doorbell , [orh] okay okay okay


oh okay okay why your parents don't want to install the doorbell in the first place but never mind anyway you have one now so it's good enough, , [orh]


okay okay okay


ah okay okay and and then uh how about, okay then how about like you know when you okay, the uh beside this doorbell like any like experience like uh as in you go out recently any place that you visited that as a family ah that you're that you bring your kids out together with you


for your lunch or dinner, (mmhmm) (mmhmm)


okay for me I, I ya I I brought we brought we went out we went we actually went out a few times then the last we went is collin's then, uh because the kids wanted to go so we brought them to collin's for lunch and it was good


uh we didn't really waited very long because uh we we try to you know beat the lunch crowd so we actually reach there around eleven before twelve, so we managed to go in to have our lunch so we waited quite a while not very long ah just maybe like uh about seven to ten minutes for our food so it was


overall very uh pleasant and I actually I find that collin's food are value for money and and their quality is not bad especially their lunch deals ah I really like their lunch deal because when you order a main dish then you get a drink and the side dish for free so actually is quite


worth it uh during lunchtime so I always let my girl know that uh if you, ya it's quite filling and usually it it it's suit you can really uh feel very full after eating the side dish then the main course and then the drink


so usually I I would tell my my my girl lah that because she likes to eat collin's a lot so , I I will tell her that uh wait for lunchtime then we, go because in the evening, right if you go that it will be full price then you want to order a drink then everything would be you have to pay a slightly more so I will usually tell her that


you know go during lunchtime is value for money and also, uh and and and and it also it is better for for for us because we we get to pay lesser, ya so is win win lah for both ya, and


yes yes and and also you get to eat more lah as in, the pepper lunch you you eat like during dinner right then you maybe you have to order one one dish lesser , ya ya correct ya ya


correct correct and, do you your your side have collin's, ya correct correct at marina square lah marina square


ya and also that time I told you told you I I went for the dim sum at the at your side you remember I forgot the name of the restaurant lah ya ya the Changi lah !wah! the #dim sum# I also miss it a lot but, uh have to find a day to go ah


ya it's a bit far but it's nice ah the #dim sum# , ya ya ya correct


ya correct, okay okay okay I will try okay okay (mmhmm)


crystal dumpling ah the crystal dumping is also very nice !wah! is so yummy I miss it leh but it's just a bit far for me to go there ah next time I go #pulau ubin# again ah then I maybe I will just go there there and eat again ,


oh the boat ride was okay it it is it is fun, it it wasn't like very uh you know the the, the the journey was smooth ah it was fun lah it was quite quite enjoyable actually I didn't cycle for a very long you know then, that time when I go #pulau ubin# Ubin right I was a bit


scared lah because I I I was thinking of eh don't know very long never cycled already but I manage to cycle ah you know in the #pulau ubin# you know I'm manage to cycle so I'm very proud of myself , because like since like like ten years ago I cycled leh then like now ten years later I cycle then ah even janelle was clapping for me it was like !wah! well done


mummy I was like very happy also , no no she cycle with daddy lah daddy uh got the two seater then she sat she sat behind ya but uh every time when when I was because I was following them behind so she will always give me the thumbs up you know to encourage me I was so happy


that I managed to cycle at #pulau ubin# , whenever I was sharing with my friends right some of them will saying that !wah! you very daring eh they did even though they they they cycle on normal road but they don't dare to cycle at the #pulau ubin# they said !wah! you never cycle you didn't cycled for so long and yet you dare to cycle at #pulau ubin#


yeah, ya ya ya after that, I think the next day yeah yeah the next day was like a bit uh muscle ache ya ya ya but I was like thinking about cause because #pulau ubin# like is quite it doesn't really have a lot of stuff ah like I was thinking of !walao! eh if there got bubble tea shop ah !wah! I think the business don't know will survive or not but I think it will lah because the people there will maybe will Chiong for bubble tea because it's like after uh woke


up ah maybe they will just want something cold and all that do you have, the habit of drinking bubble tea,


ya ya yeah I I I think I drink one bubble tea per week like maybe I usually I will look at the queue so if let's say ya ya ya so if let's say the queue is long then I will not buy but ya the long queue but usually right usually because at


uh over my side there's two there's, quite a number of bubble tea shop so I actually I usually I buy Koi a lot , and another one is R&B ah that time I went #toa payoh# then I saw R&B no queue nobody buying so I quickly go and buy my favourite


peach Oolong uh drink with the tea cream !wah! I miss it so much because R&B you don't usually see them I only know like maybe uh Wisma there's one and #toa payoh# there's one so usually if I go by these two places right I will I will Chiong


for R&B because I like R&B bubble tea really nice the peach Oolong I I miss it so much , but for [orh]


okay okay, ya like there's really a lot of brand eh uh tiger [orh] tiger I don't have I I I don't drink before I think I


[orh] okay uh that one I never try before I I usually , okay oh for your, ah okay


and Playmade do you have Playmade, ah [orh] oh the the ah, ya ya ya


ya [orh] I I don't like , ah [orh] okay [orh] okay


eh Playmade I tried once ah I think once or twice I usually I don't like, pearls so I don't go for pearls I also I also uh, be very selective of certain drinks ah sometime I stand there for very long I was like uh, not nice this today like not really uh that kind of


but if I if I go Koi right I will very standard one I will go for uh the green tea macchiato then like uh R&B I will go for peach then there are some standard drink that I would go for in certain uh like uh but maybe Koi and R&B uh uh ya ya R&B ya !ee! is it R&B or R&G


ah cannot meh that that that that that bubble tea shop uh, then uh the rest I will have to stand there for very long I think there's one and another one uh like not, mainly sell the fruit kind fruit tea ah I think uh R&B I think is one of them that sell ah


it, ya ya ya the the the the fruit tea or something like that not not many sell with fruits inside so you can drink and get you know you can eat the fruits inside not many uh, not not many sells them lah so I I quite enjoy the fruit tea as well with with fruits inside


ya oh [orh] okay oh


okay which bubble tea shop is that, which which bubble tea, okay ah, I didn't try before , but anyway ya you so how about like you know we we know the I I I feel like you know I I think I thought of like going


overseas like the first the first place that I wanted to go right maybe would be , Bangkok I I miss Bangkok I miss the the mango sticky rice I think over there the mango sticky rice is really very nice they cannot compare like even in singapore I tried a few restaurant right but I think the the Thailand one was really the Bangkok one was really nice


you you remember that time when the the hotel that we live, you you still remember the hotel that we live or not, I I can't remember the the hotel name already can you remember, !huh!


ya ya I also miss their food leh I really want to go there back there and eat their food I miss I miss going back to Bangkok, yeah do you miss, oh really I didn't know !wow!, the very very very nice to hear that


okay ya ya can I I went I , I I went there ah that time when I was in Bangkok I went there twice I really miss the food


, ah there are the leaves right I forgot the name already ya but uh ya vegetable is very nice ya ya I miss that vegetable also


ya the generally the food there is really nice, in singapore right yes yeah


but I I like I like the ones in Bangkok , I didn't I didn't


is one hundred Baht only right , [orh] ya ya ya, ya correct correct correct, okay okay time's up


part one finance, eh hi agnes how are you, uh good eh I just need to check with you do you have a savings account


okay what kind of savings accounts do you have at the moment, uh what's like your experience and details of these savings account that you have


you know, (mmhmm), I think the basis of the savings account you know uh the most important is the fundamentals lah which helps us not only for savings but also for transaction purpose


I think it's helps a very important tool lah you know in our daily life uh regards to transactions uh in and out even in online uh paying your bills is very very helpful and especially your online what do you uh how do you feel


precisely everything's in your fingertips right, that's how advanced is it I'm sure the uh banking system itself you know they


constantly looking into it and upgrading the system making more user friendly than before lah, oh ya biometric oh that's interesting, okay okay how about credit card


but I'm sure you don't have a debit card right, you don't have a debit card oh I never hold a debit card before actually


really, interesting


ah, so you choose uh in uh if you want compare credit and debit which one do you prefer,


but debit card yes you must make sure there's sufficient amount of money inside the bank right if it's less if it goes below the amount I don't know whether there's penalty charges for it


I see, ya I think


ya so it's it's just more on uh preference lah so means if you go for travel I think credit will be much better rather using debit I don't know whether you can able to use debit in overseas I don't think so ya, so it's all depends uh how you actually using the uh credit card facilities itself


you know, (uh huh), ya, so so only thing is keep you solvent lah you know if you talk about debit card itself is to keep you very solvent the other the other things for credit card you got to be make sure you know you pay the bills on time


yes is is pretty scary you know if you look at the interest the moment they will they'll prompt and tell you eh look you got to pay the minimum amount of sixty dollars to hundred dollars but if you start paying that


you know you need to take note the about twenty four percent of the interest charged on it the amount that it have even if it's less than fifty dollars that or even if you less than hundred dollars for the matter you know the interest is pretty high you know, if you calculate at this predict and is compounded as well so better make sure you pay the amount and


(uh huh)


, no but I don't know I don't know whether you have this uh are you aware of the feature of alerts because now the uh bank's


finances they actually gives you an alert you know for for uh for example for myself uh diners diners actually you uh alert you you know your bills going to due in another five days' time or one week's time please pay the bill properly, you know I also receive for citibank


but along the way ah they tried to stop it and I asked him why they stop this feature they say that uh it's basically about costing, you know, so they want to reduce the cost and they some of the uh banks and the uh credit card facilities are still using the features I see this is a very useful it gives us because we uh tied up with so much of work every day can you imagine if you don't have this alerts and most of the times sometimes are missed it you know I just missed it


and you've got to pay the penalty the penalty charges is pretty high you know hundred over dollars plus interest charges and all that, so we got to be very very mindful of that, hey but I wanted to ask you you have any uh uh combine account with your partner


uh nice for myself I do have an joint account with my wife, but this joint account uh we don't use it for any transactions you know


you know we, uh savings purely for kids, for our children ya so, ya because for joint account it's just a matter of trust you know so if I want to you know uh we got to trust each other and uh


you know so what happens is just that uh we do not want to go to the point that uh the other party cash out everything, you know so uh so I put it in such a way that the joint account is just uh catered for our kids only


so that's the reason why we have a joint account with uh UOB, sorry, no, ya it's just purely for our children so in terms in future in the need for tuition and uh for any other courses they want we can get it from here


the funds, ya it's just a contingency plan lah you know, ya, (ppc) but uh, do you think there's uh, do you have an account that gives you very high interest rate and all


like fixed deposits you know, I can't recall any bank account that gives you a high yield, ya because


he, correct so the interest rate basically for savings account if I if I could recall is about zero point zero two five kind of percent interest, you know, yes very low I mean it's just there savings account is just for liquidity for emergency


you know so I believe that the you should keep at least six months of liquidity, of your income, in a savings and the rest of it you should invest, ya so so that you can hedge against the inflation uh which is very important and all I think right now the inflation is heading about three and above so we we must find a investment vehicle that able to hedge on this


what do you think


precisely hey but talking about (ppc) ATM card I'm sure you have an ATM card ah how many ATM cards do you hold, all the three banks which is uh UOB POSB, and OCBC


so you use all the three ATM cards


I see, , okay for (ppc), for me for ATM cards I actually have two, you know one is uh one is DBs and the other one is OCBC primarily why I have two cards is because you know for POSB is being the uh the oldest bank you know in singapore the queue at ATM is pretty long


you know that's the reason why I actually have an OCBC ATM where there's no queue you see, so I quickly get my funds especially in seven eleven you know there's always an ATM uh booth there, (ppc)


so I I can cash it out then, yes


yes it's running, okay uh okay as I was saying about my ATM card why I have two ATM cards one is the uh, the uh the OCBC and the other one is POSB


so the OCBC is basically, you know to help me to withdraw my funds very convenient way because most of time I noticed for POSB is always a long queue you know and you coming towards the end of the month there's no possible for you I think you need to wait so time is the assets here so I do not want to waste my time


so that's the reason why I actually got a OCBC ATM card just for convenience sake, and it's good lah I mean you for yourself you have three so you don't have to worry about that, you know ya so you can go any of this but do you do you notice this towards the end of the month POSB ATM card there's always a queue there you know


and if you talk about mature estate ah !wow! the queue is even longer, eh but, ya but uh okay ya at what age ah because I was just pondering about this at what age shall I give this ATM card to my son or my daughter


you know, what do you think and what age you prefer


ya totally agree I think seventeen will be ideal age you know uh, okay assuming uh because I noticed in polytechnic because I once I dine in a polytechnic majority of the students are using the paylah


uh paynow you know transactions you know and they advise and uh you know uh most of the students to have this, uh vehicle of transaction, you know it make it very easy for them to do their transactions so so for a uh for a child at the age of seventeen is is advisable for them to have a savings account


and with the ATM card as well so, even if you forgot as a parent forgot to transfer the money to them, you know we can easily do it by uh the the method like paylah paynow you know, in split seconds in split seconds the money is transferred to your child and they can have it they say because we are tied up with so much of work we definitely would might have


overlooked on this matter so it's the convenience are there lah you know for us to do the transaction, and


ya uh, no it happened it happened to my child also most of the times not most of the times you know, uh if you forget they get the money from the uh, uh from the teachers ya from the teachers, you know, so uh that's one kind of example that happened before


okay but uh in terms of uh credit cards because there's three types of credit cards you know if you notice ah they have credit cards that is like cashback, you know they have credit card that's gives you points or miles what is your preference


!wow!, I mean there's a, correct there's a series of different kind of uh credit cards in the market you know, I mean it's all individual preference as what you mention they have cashback and points for myself I prefer cashback because I want the instant the instant redeem you know


you know I can see the difference of it immediately whereas for my wife she prefers point system she likes to collect all the points so the once you accumulate the points to ten to fifteen or even twenty thousand then she


then she redeem for vouchers and she go for a shopping spree, eh but it's but it's very very attractive you know if you look at it ah because sometimes the transactions gets bigger get assuming if you go for holidays you know you could goes like few thousand dollars and all so the points you collect ah


uh the vouchers is easily can hit it about two hundred dollars you know, ya so it just kept accumulating the points and you just redeem it to a vouchers because they have robinson they have takashimaya you know and you uh you try to redeem this towards the end of the year


towards the end of the year you know got the so uh so different kinds of sales going on you know, uh that is robinson


really


really ah, so far I no I have I have the robinson uh credit card itself but so far they did not ask me to, you know pay for the membership at all you know, no


not not really because I don't I only shop towards the end of the year but even then it's not that much you see, ya so I maybe it depends ah, not very


, I see eh but, , ya but ya okay I mean if uh ya it's good to have because the the discount is pretty good especially when you have the card


you know for members they have another uh benefits for you for the discount, so when you go to robinson it's good to have a credit card, robinson credit card, ya, yup I used to get the invites


hey but, okay let's uh you know I was also thinking about the, do you have any experience purchasing insurance products from the banks or not uh


(uh huh), , ya likewise also I I did receive some feedbacks on this because the reason being is uh sometimes they just purchase the items they purchase the item


uh insurance products and they want to call back you know they can't call back you know they can't call back the the planner the person the uh who sold this, plan to him because they say that uh it's best that you call up the company


you know so assuming if it's under aviva you call them directly, ya so I feel the touch is not there, you know, they market uh intangible asset to you, they build a trust at a point of sale


so the moment you you acknowledge and you take the contract if you want to follow up after three or four days they are not there sadly I must say they, they are not there to help you you know so the best is uh you take up the insurance privately at least you can follow up with your financial planner you know for the fact that when you make a call they are there for you


totally agree


hey, uh part three negative product review, hey hi agnes how's it going


how are you, , hey wanted to check with you I mean we have came across a lot of positive uh products review I'm sure you also will come across some uh negative as well right


have you come across any


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


!wow! for for, myself uh you know fitness when fitness is concern what came to my mind was california gym so I actually sign up for the membership have you sign up for the membership


really, I sign up for the membership if I can recall ah I paid about uh I think close about thousand eight you know, ya I paid about this on uh I think they have a instalment interest free so I took up that plan you see so it is I think the membership like about for two years if I'm not wrong


ya, so I mean the I I had the you know the session was pretty good I mean if you the fact that I joined california gym is because of the of varieties of the equipment they have you know


like compared to other gyms even our public gym do not have this kind of weights so I was quite into the weight stand and (Uh) look at the different sets of uh uh, weights ah is pretty interesting you know ya different range of products they have there so that is why actually entice me ah to take up the membership so ah yes they do have varieties of


classes also aerobics dance you know different kind of set of classes they have there but uh I used to go to raffles, yourself, raffles really


ah, did you have a personal trainer


and it's not cheap you know their personal training is easily costly like about one fifty per hour no I did not I did not I'm a fitness trainer


qualified you know back in the ninety nine I took up uh the this course you know so I'm actually a qualified fitness instructor so I don't really need, uh fitness instructor to coach me


ya but you still need to maintain it but the sad thing here is ah agnes the thing is, along the way right I'm I'm sure you'll notice along the way everything was smooth went so beautifully the membership and then the news came out in hong kong they uh winding down the centre the outlet okay then after that they follow through you know to singapore


and if I'm not wrong orchard was the first one to be closed, ya so they advise us it's nothing they tried to downsize it okay then we uh took the advice then we just kept cool


so uh the moment the uh orchard they closed down so we kind of some feelings that something's going to happen but you know I just carry on with my workout and uh six months or seven months pass they tried to promote and ask me to renew my membership you know


where are I actually have about like uh about one and a half years to go, that's quite strange right, and they were very you know they were very aggressive they were very aggressive and they kept promoting this to you


then I told them my time is not up my membership I still have one and a half years to go to for me to consider whether I need to renew my membership or not, you know but they kept pushing it and pushing it and pushing it, and the next week I realise they closed down another centre they say that uh raffles you know they said raffles is going to be closed in a month's time !wah! that's when I really got shocked


(uh huh)


eh


eh that's happens to me I actually promoted this to my friend you know I actually brought him there and he, took up the membership you know he took up the membership because for me to bring a person I get a voucher about uh, if I'm not wrong about hundred dollars voucher a shopping voucher


but then I feel so bad for him you know he only use it for like less than six months


, !wow!, I'm sure I'm sure we felt likewise as well you know


was a very very very, bad experience ah which uh a lot of them lost so much of money another friend of mine which I know he lost about six to seven thousand dollars you know and uh uh one week prior to for them to close down right


he just renewed the uh membership he paid about six over thousand dollars you know including the uh PT because PT include, yes so the PT uh they sign up for like like about uh fifty classes kind of thing


that's the reason it should shoots lah this is why it shoots so high you know six over thousand dollars and they were very shocked you know I think they brought it up to the uh claim small claims uh they can't able to retrieve it you know


ya so it's it's pretty disappointing ah you know there's one chapter that went past eh how about e-commerce have you purchase anything using e-commerce like online you purchase any products online before


okay any bad experience, oh that you bought it online is it


, talking about facebook you know so I actually the first time I use this e-commerce platform you know this uh it's kind of a shaver


you know they kept bombarding this advertisement every the moment you go to facebook they kept on bombarding this you know it looks very interesting uh they uh you know, it able to cover a lot of things it can able to trim it well can keep it short


so I look at it is ya it's pretty worth it ah I look at the price is, you know it's affordable so I click on it and the product came in came in about one and a half weeks later okay


and I was very shocked what I see from the video and what I purchased is totally different in terms of the size you know in terms of the size I I think I have it here let me show this, look at here


yes so what you see this is just one size you know, it's like that it's just a trimmer you see, you know you can you can trim your hair you can trim your you know, your face hair and all that but the size you see here is only it's just a one third of it you know


so it's pretty it's pretty disappointing what I got eh it doesn't looks very durable so the authenticity of this product that I purchased from e-commerce platform is not very fantastic lah I must say


sorry, agnes can you hear


okay the uh so the shaver as I was telling you it was pretty disappointing ah you know what they promise what as see from the video when


you know it looks like a toy to me you see you know so what you see from the video that looks very professional you know the shaver looks very professional but the moment you purchase it you look at it the size of it is so small and tiny compared to the actual size of it


so you, uh not so effective it's not very sharp, so it it it doesn't covers uh you know it doesn't grasp of everything but uh the thing is I see the effectiveness is not there


and I must agree lah you look at the size of it it's looks really look like a toy to me you know it looks like a toy so uh I don't think it can last uh, last for six months I don't think so so that is uh one of my bad experience for the first time I use e-commerce platform and I purchase this and I got disappointed


so I don't know whether I might go ahead you know probably if I want to go ahead e-commerce platform I must check you know, whether whether it's uh whether it's practical I mean you have to check the uh the service provider itself lah


ya ya so it's very important to check uh, the authenticity of this service provider the platform itself but amazon is okay you know, you know alibaba and all that lazada so all these platforms are okay it's really good so but you got to watch


ya and you got to watch the video very closely you know sometimes you just get deceived it looks so interesting but you also need to look at the end product what are you going to purchase it and look at the, size of it and look at this size is it exactly the same or not of what they showed in the video


yes so you got with very very careful about that,


, ya hey but how about the have you heard about the staycation in singapore or have you done any staycation or any hotel, that you stayed before at a very bad experience as well


uh, bad experiences in singapore no I stayed in a staycation in singapore


uh, it was uh not much I must uh elaborate on that is not much is I think the facilities and the services are pretty good the only bad experience I have is uh I booked a hotel in Batam it's call uh holiday inn


it's a five star hotel the facilities are fantastic you know this the rooms are big it's like a service apartment kind of thing but only thing they do not have a kitchen there, but it's enlarged bigger version lah so in we are in within the hotel apartments they have about like two three rooms inside


ya so the only thing is they they do not have uh, a kitchen, ya I mean it's uh they encourage, more on a family ah you know more on a family stay itself a big family you know uh assuming you have about uh eight nine of them kind of thing


ya so the only bad experience I had was uh I felt uh I felt quite eerie, you know I I had a very bad experience that a certain other things uh extra a kind of uh senses that happened to me before that I felt that I being attacked there


yeah yes, so, ya I'm the only one experience that so I really got freaked out and uh the moment that happened sorry


no it just one night that's it ya I felt that somebody was straggling me you see, ya I was awake and I felt that so I try to you know get away from it quickly on my lights and you know I just get away from that place for a moment


so that was one of the very very bad experience I ever had before and it's a five star hotel it's called holiday inn I don't know, ya


(uh huh)


(uh huh), ya no


correct I didn't actually believe and all this stuff you know because I I believe there's uh ya there's a god as there's also evil but the thing is I never realised that this happens to you you know whether this really experience to you you know


and a first time I felt it you know, so, ya, ya so they say that uh the moment you okay you uh the moment you leave your house and you come back again right wash your legs the reason being why why you need to wash your legs you actually to neutralise your leg you know because sometimes you get some negative vibes that cling on to you


so the water is the only uh element ah here that actually neutralise your body, so it's best ah I mean it just belief so it's always good that yes you you is good to has some prayers you know within yourself


but you know for a change come back make sure for hygiene purpose as well lah you got not because of the COVID situation you know with is we should wash our hands at the same time wash your legs there's no harm it just water


ya ya you take you you try to take my advise wash your legs it's very important, I mean just you if you ever experience I'm sure you you as you mentioned that you experienced before I myself experience so I also tell my kids when you come back home wash your hands wash your legs


that's it no question ask ya, so this is the rules regulations that you need to, follow ah eh but how ya exactly but how about uh any electronic device that you purchase and you got disappointed


(mmhmm)


, correct I prefer android as well lah it's very simple and it's very user friendly as well


part two positive, experience, can have with the screen


okay I cannot see the screen actually, ya


nope, ya


nope, we only see the discussions guide, your, is the powerpoint thing but if you have I think ya instead


you probably got to choose the slide ah


hey but there that was different from the other thing right yesterday but or you all put it all together lah


uh, (uh huh), okay wait hang on ah


okay, yup


(uh huh), no you can hear me, yup


okay, hey hi agnes, how are you


hey check with you, in terms of uh you have anything in mind that a very positive experience of any consumer products that you purchase you know far anything you have share you may maybe I can able to take note


(uh huh)


(uh huh), !wow! but does it have any side effects


(uh huh) but you mention about the belt right does does it not cost you some abrasions you know some people are very sensitive skin they do have a sensitive skin by you putting this belt you know, but those who like eczema you know sometimes the plastic or the rubber may not be acceptable for them you know


ah, so what happen what happens if you perspire then


okay so is it washable, oh


(uh huh), so you just put a belt and how does it helps you to reduce your weight you know does it like vibrate or


(uh huh), (uh huh)


okay


(mmhmm), (uh huh)


, !wow! sounds like a fantastic plan ah, uh, I think it's just a matter of commitment lah and discipline so the moment you achieve this two you can able to achieve your target for myself right I I I don't know whether I mention this to you before a friend of mine actually call and uh message me actually he message me this product you know


it's one one great fantastic product I must say because this plan is a holiday membership thing you know so what it does it only cost you like about two hundred eighty dollars okay it's called avillion hotels


okay it's a membership services for one year so you pay the amount of uh two hundred eighty over dollars and you have three days two nights free in the uh in the hotel by from the avillion itself so they have it's only for malaysia ah


you know malaysia yes malaysia and uh different parts of malaysia like KL port dickson Melaka, so what what we actually did is we did uh a trip to uh we stayed at port dickson


for three days and two nights because they will give you a bunch of vouchers you know, and you have to use it within the year, so while we are staying at port dickson we enjoy the three days there you know the facilities is fantastic you know as as what the membership is mentioned ah they whatever they have mentioned you can actually can see it there it's a five star kind of hotel the services is fantastic so but the most


important right the uh the booklet they give uh from the avillion itself is a series of lot of things you know they have vouchers like uh F&B so you need to dine ah as long your bill goes above like uh two hundred dollars or hundred fifty for the matter


you can able to use this voucher for fifty percent discount you know so assuming we have about, ya six of us definitely the bill will comes up above hundred fifty what right or not, so once it comes to hundred fifty we use the voucher we can eat as much as we want you know so the bill even comes out about


like three hundred but you only pay hundred fifty dollars for that good set of meals you know, so is it will have to decide because the moment you have this voucher you have to use it you know so it uh if you look at it's not cost you like few thousand dollars it's only two hundred eighty bucks you know


so it's just a one time off and who will give you for three days two night for two hundred eighty dollars, and it's, okay a few around in malaysia but you have to plan it ah okay assuming your second stay right my second stay in Melaka uh my three days and two nights is the complementary


that I use that my second stay in Melaka I use fifty percent because they have a voucher so you only pay for fifty percent accommodation you know, so which is even avillion a hotel in Melaka is five star so we really maximise this membership when there's one good fantastic membership I never came cross before lah even timeshare also can't able to compete with this membership


ya, and it's very convenient because I just wrote the email I say that uh uh a family of four will be coming here to uh uh port dickson and Melaka can you arrange the accommodation for us then within a day they email


to us okay we can reserve this to for you okay do you prefer uh, non-smoking and then you know they do all the accommodations necessities for you you know ya it's so convenient everything is uh is uh fingers


do all the walking you know to do all the planning and uh you know gone are the days that uh we need to go there you know prepare all the other itineraries this is everything is taken care the moment you we we are there they just, give us no need we don't have to check in you know they just give us


a a card okay your, your room is already been book you can go ahead, ya fantastic concierge you know I was very amazed they have this kind of memberships very it's very useful lah you know it's very useful and worth ya it's very worthy you know


, unfortunately they don't because it all there's a lot of restrictions and uh we can't able to travel but uh I must tell you you know because two hundred eighty dollars is web money well spend and uh


but uh I would say I would have used up almost three quarter of it because I decided the moment I have this membership I want to use it all you know there's no point, you coming back there and you know uh, reuse the voucher because it's it's good to purchase uh another uh full sets of vouchers you know because they give you the complementary you see


you get what I mean or not ya,


eh talking about drinks ah do you like bubble bubble tea, no but bubble tea also you can able to control your sugar content you know are are you aware of, this they have zero percent ten percent fifteen percent


my kids they always makes up either seventy or hundred percent, you know, no for once for once uh I like gong cha uh


bubble tea itself with pearls I feel the tea leaves is uh is very fragrant, tasty you know compared to uh liho because liho previously they were carrying gong cha so I think there was some disruptions they uh they started on their own


but ya when I started when I tried the liho drinks and we compare to gong cha uh liho doesn't sense well you know uh for


ya, ya so I mean end of the day the taste matters right yes a presentation might invite you


but also important the content of it, what do you think, ya but it's very pretty competitive in the market itself ah I mean the moment they start uh I if I recall it probably gong cha might have started back in two thousand six you know uh


although the brand is from uh taiwan if I can recall the franchise you know they they started from there, you know and they, distributed to uh many outlets in singapore I reckon ah they have thirty two outlets you know


ya and if you look at worldwide is have contract have about at least thousand five outlets worldwide you know ya because I believe at the end of the day I think the tea leaves is pretty authentic ah


ya, ya so when you uh when this thing launch there's other competitors also, came in it's like I don't know whether you can uh you might have passed by tiger tiger some


ya, no but it look of it I feel is very sweet, ya but the main product is the brown sugar you see so you don't have the brown sugar then it doesn't fits the bill well lah


ah, oh okay I see, there's one of the thing ah hey but uh do you do you have any product ah that you bought that lasted for very long you know until now nothing ah


yes I do you know uh I must share this to you my philip uh TV that I bought in two thousand ten you know, and the, ten years ago I'm just waiting for it to fail it doesn't fail on me at all because I wanted to get the smart TV you see but this philip monitor itself oh my goodness it's it's still very uh in a very good health you know I must say


very solid I mean the features are there it doesn't fades the colour is there the resolution is fantastic, even if you put it on a HD quality ten years ago compared to now it's still fantastic you know such of thing


this uh ya uh that time, I bought it was about two thousand six you know it's only a forty six inch, you know it's a forty six inch and uh back then it was about two thousand six you know


and I spend about another two hundred dollars for the warranty you know I worry that it might fail on me but you know he imagine now it lasted for ten years no even one issue you know, from this TV it's so far it's in a fantastic conditions and uh


I got no qualms about it lah you know is is still running very very well even my kids also wants like uh they want like the uh sixty inch seventy five inch TV you know, now LD have all these big huge TV right you know so I'm a movie bug if I watch from a TV screen like this my goodness it'll be very fantastic but unfortunately my philips TV doesn't fail on me


no I mean if I want to decide to have a bigger monitor I probably want to keep this TV you know I mean it lasted with me for almost ten years I do not want to trade in so it have some kind of sentimental value in it so I might not want to


you know stop it ya I probably why uh you know transfer to my uh room you know uh probably want to install it inside there, now advisable not to ah you know I don't like to have ya so if there's no choice then I'll put my monitor in one of the rooms ah ya maybe in a study room ah you know ya


so when you study you just off the TV ah so when you want to relax you know you can able to convert the study room to a living room and watch uh in a private uh series of movies


yup correct , hey but uh do you have like uh like any skincare that you're using at the moment


(uh huh), (uh huh), so have you recommended this product to your friends or anybody or relatives


but estee estee lauder sounds pretty expensive is the price pretty export exorbitant


oh for hundred and fifty bucks ah, okay, for myself skincare I mean for guys would not really touched on all these skincare things you know but you'll be amazed ah maybe the modern guys might want to look into other facial stuff and all that for myself


I I like to have a proper moisturising cream so the one that cream that I use is QV, ya QV you know it's fragrance free and the PH is pretty well balanced you know and uh it's a fantastic you know it actually can absorb to your skin and it stays there for quite some time


you know the, correct and it's uh it's not cheap you know ya for myself is like I apply my full body the moment because they say the moment uh you shower right within the five minutes ah you have to apply the moisturising cream you know


it's very important so that will helps you to uh uh you know prevent any wrinkles, yes correct, so the window the window frame here is only about five minutes so within the five minutes you have to apply the moisturising cream


ya, ya because I have uh sensitive skin so the dermatologist advised me to apply you know and uh uh, I'm applying it for for many years already so QV cream is uh ya I mean it's pretty expensive but it's worth it


ya it's a big difference actually you know you can actually see your skin glowing, , it does it does


part one finance, eh steven how are you yup I have


just a normal savings account in OCBC bank POSB UOB just a normal savings account for daily use , so far so good convenience liquidity I can use paynow paylah


ya, , , yes


definitely, yes definitely uh it makes it makes things a lot a lot easier I can pay my bills online AXS machine internet banking


yes, yes yes, yes, yes definitely definitely I can use thumbprint now


yes yes, !wow! I hold a lot of credit card because they give and then they, uh I do have I do have you know nowadays yes of course UOB actually ATM card they convert to debit card are you aware of that yes they sent me a debit card and it's auto switch over


unless you click that you do not want to have and I also have the POSB because I wanted a passion card so my ATM for POSB I switch it to debit ATM card,


well I prefer debit card because I don't want to see my bills every month


no no there's no penalty it's just that the transaction won't go through so it helps it helps you to to save also it's like oh this amount of money that you do not want to spend and you just forgo but of course things that I want I definitely choose my credit card


is to to earn my points, travel no I I don't think so I don't think so I don't think so


yes yes yes that's very important when the credit card have a lot of features like uh cashback, ah, but debit card doesn't have


, yes, yes, yes yes yes interest is really very high it's not worth


indeed


yes, yes very very very high


yes yes and I don't like the uh e-statement, it's so inconvenient I still prefer paper so every time when they send in statement you know usually they send earlier and then you just chuck it as it is inside your email and then after you forgot about it and then you just have your penalty charge for a date uh date payment


so I don't really like E e-statement I still prefer paper, (uh huh)


, yes


, indeed, yes, yes


yes, yes I always missed it , ya indeed indeed, uh,


no I'm single, so I'm fresh stress free , , oh okay


it's just for savings, !wow! that accumulated a lot ah , yes


definitely,


ah, so this can't be withdrawn is it, it's just purely there not for insurance deduction not for daily expenses it's just in no out


ah, okay nice nice okay nice nice


no no no, don't have, no


no I don't I don't I only have those insurance that you know once a while they have those savings plan that uh yield a shorter term and the interest rates are high so I usually transfer to that but not the banks


, yes yes really very low


yes yes, , , !wow! very savvy eh you


, yes, , ya definitely definitely definitely interest alone in our bank are so pathetic imagine if you get an insurance plan a fixed D one one over percent even for let's say two percent the interest is about hundred over dollars but a bank even for twenty years is less than fifty dollars


so you can see if you want to catch up with inflation it's definitely a no no, , all the three banks


yes, and OCBC, yes, no it's just for uh convenience sometimes I do need to because not all the banks funds are full so one of the bank funds is just for transaction purely transaction and the funds actually will runs up


so my my pay actually comes into OCBC bank so I usually need to do a lot of transactions here and there so one's for saving and the other one for you know paying of bills, and then my OCBC bank will just fluctuate up and down


what about you , ,


, okay


I see, oh, ah okay okay okay


oh okay , still running stay running yes okay


, , , , okay,


definitely definitely, ah, yes I agree I agree


so that's why I have so many ATM cards ,


(mmhmm), I think during their poly times because that's where they need their their ATMs usually during poly's time they their canteens their tuck shop they are using cashless transaction


and then that's the time that seventeen seventeen eighteen perhaps is the right time for them to have an ATM card ,


, yes, yes, yes


yes, yes yes,


, yes, , the paynow, exactly so convenient yes


, yes ya definitely yes yes


I remember I forgot to give my son allowance during in primary school, and then in the end they got to borrow money from the uh admin side, so it's like uh such inconvenience


admin office ah yes yes , yes , ,


ah, yes (mmhmm), my preference both uh cashback, is actually good and the other one is the uh citibank premier miles


they have the priority pass you know I travel not say very frequently but maybe a year once or twice sometimes the uh lounge inside the airport is is so convenient especially when you are hungry then you just want to check in and sit down to have some wi-fi checks


and also some food refreshment, so this premier miles actually give you the privilege of rate of two transactions a year you can even bring in one guest, so I love I love ya I love this so you should get one if you don't have


yes, yes,


, ya, ah I don't like points because usually I will skip all those points and I forgot to redeem


yes I'm kind of very lazy person, yes yes yes


okay,


, ah, what credit card is that, robinson ah okay robinson is one of the card that don't waive my annual fee


so I had it twice and they cancel it twice for me so sad right they are so strict yes they are so strict because I don't hit their points and they always you know charged me on annual fee so when I call them for waiver they just refuse


OCBC bank is the only bank that refused annual fee waiver , yes maybe perhaps because you use it


maybe because you hit the target, mine is no, okay


maybe because I didn't didn't really use the card so they do not want to renew, but I had it twice and they cancel twice so sad right


, yes, I I I like the closed door closed door sales it's so private yes


uh


no I'm a life planner myself so I don't go to the banks but, I have a lot of feedbacks from my client that they do not know what they get from the banks and usually the amount is exceeded what their income is and they regretted moreover everything that they want to go back they have no servicing agent so this is the minus point of getting insurance from the banks


, , , yes


, yes yes there's no servicing


, definitely , ,