get a credit card to give me the option to, over spend lah that's why I seldom I cut down on credit cards lah ya


, I think you are, oh okay


!wah! okay , I see


, yeah here and there correct


as in what the when you do online shopping there is cash backs ah from the credit card, oh okay okay okay per purchase or, !wah! five per five percent is not bad lah will overspend ah


oh


oh the wonder every time I go eat with my friends will say that eh come I pay I pay first okay okay okay, oh, okay okay, ah


oh okay yeah sure sure , sure so err usually I I mean if you plan to get a car loan well it's quite


hassle free like depends so usually if you buy it err first hand or you buy it second hand they have their own procedures lah but like it for myself I buy it second hand usually, they will source for you a few different uh they will tell you a few different banks that provides you


uh the lowest is one point eight eight lah the lowest is one point eight eight so maybe banks like err oversea banks like maybank they will provide such err low interest rate however it depends on the amount of loan that you take from them and how long you are going to put lah so so if the long of course the longer and the bigger amount


the higher chance of you getting a better rate lah and also depends on your uh, your income as your income level then they will source for you and then apply for you a few different interest rates then probably the it takes about three to four working days


because they also want to close the deal mah so it take about three to four working days they will let you know whether is your so called bank loan approved if it's approved then yeah within one week it will everything will be done up for you lor then you will they will you will start to pay the first instalment and then


yeah that and then the rest every month they will deduct [orh] from your giro, ya it's quite easy yeah, , and then now if I'm not wrong I think like credit card right you can apply all through


it's one stop you don't need to like fill in all your questions like you know sometimes when you need to fill in uh questions they will ask you your date of birth everything your monthly income blah blah blah blah blah it takes about , fifty uh half an hour to fill up now they link everything to your singpass so


they will retrieve the information one shot from your singpass and then when you fill up like for credit card approval ah when you free up they will just show you all all your uh information you just need to double check whether is it correct then you just submit then apply


ya !huh! correct correct ya lor, ya , err I see I see


for for uh for yourself you are, because I think uh you know lah I still single for yourself do you the that time when you actually, plan for your house right err the how do you actually save up for it with your wife ah like do you all actually err have a joint account or


how you all save up ,


I see


, uh I see


okay okay next time I can ah


(mm) I see I see okay


topic three eh hello


oh this one quite problem I tell you uh, I went I think you saw the one I went is to perth lah so actually I book this , place or it's a apartment in perth itself with three of three of my friends cause


he's not there mah university friends lah so actually we very long never meet up already so we decided to , uh stay maybe like uh one week in perth then err we already plan our itinerary uh the apartment we saw is quite nice is by itself err in a very secluded area lah but apparently the neighbourhood quite clean everything one then


we can nearby the park we can go there jog, all this then it's quite err near the expressway everything so we saw this place online lah so we actually book it like about two months, before so got, swimming pool everything really looks very nice one so we book it with uh this company then about one month before right they actually ask us to


pay the deposit so we, we err we paid the deposit the deposit is fifty percent so actually it I think it's quite high lah but the thing is because uh we saw we saw the place and we believe it's quite legit lah definitely because the there's reviews reviews online also mah


so we read other people review they say not bad not bad use before use, before so we book then about one two weeks before ah we actually uh ask them like what is the uh procedure for collection because uh apparently uh


they it's like Airbnb mah so when we reached there right they were actually, uh so called err give us like I think, sometimes the key they will put, near near the mat or something then ask you go and take blah blah blah so we were asking them the so called collection procedure so we can so called plan out lah then apparently they MIA they never reply already ya they never reply


they MIA, they never they never err reply to any of our emails all this so my we panic lah so we actually err wrote in wrote in to the so call uh online portal to check then I think about uh and we carry on to book another


place lah because no choice mah so this this one we tried to I think argue back and forth uh err with with the I think one of the statuary board there lah because it's not in singapore's control mah so uh we cannot complain to CASE or what so we actually


uh after our trip we came back it was still not settled lah because , they cannot find the person it's it's really a scam lah it's it's really like ya it's it's really scam correct so cannot find the the culprit lah I think they also run away already cause fifty percent deposit really quite a lot but I think


ya lah we also don't know why we just went to uh maybe too desperate lor ya because that there's reviews online saying that they people use before so of course we trust lah, ya correct correct it's Airbnb apartment


Airbnb apartment so ya lor I don't know whether you got such similar experience before like see before like uh online then you book and then actually in the end scam or you I think you heard before also right , oh ya that one different


ah


yeah that was what happened lor correct


oh ya ya this this time who ah, uh


ah ah


what , they provide what oh coach oh okay okay, !wah!, ya very ridiculous uh


ya correct


ah, this one is travel agency ah uh oh, oh okay okay !wah!, uh


!wah! okay ah uh uh


okay ah


oh but the tour guide got got one tour guide with you right


oh, so complain to them no use one lah


ya lah but same as my experience lor you complain to CASE they cannot solve anything cause it's not eh no by your one is in singapore right ya ya ya


oh ya also sound like scam ah cannot , oh ya lah


ya won't go and go must uh you pay for what you get mah cannot be you pay then you, get another level of service ya that time oh no no no eh oh no no I I mean ya lor quite this experience quite bad yeah


that time I bought err you just now, eh you got use Shopee all this also one right, oh that time I I order from Shopee lah uh I order one what order ah err


eh no no not Shopee sorry sorry lah no it's not Shopee Shopee good I order from facebook one of the ads I was going through mah then I saw I saw this so called facebook ads err, it's a oven lah oven cause uh ya err


then the oven quite special one cause this one is they posted is can be oven can be , uh what is that called ah a toaster oven and toaster ah you heard before ah , ya ya ya ya oven toaster microwave on facebook one then


err I think, hundred and sixty nine dollar I think outside you buy confirm expensive mah so I saw one one six nine like really not bad lah so, I order then uh so called uh


is they take two months to deliver lah it's two yeah two months to deliver, then you know this facebook ads where you can actually track like when they ship, out all this one mah when when they ship out so after like err a few days I check never ship out one month later they never ship out lah so


I I go and call the customer service already lah then they say they cannot do anything must wait they will ship out one confirm will ship out one so I check check check check check then I think two weeks later ah I go back facebook and check right !wah!


you know what happened or not the err the ad is still there lah but, it's also post the oven hundred and sixty nine dollar blah blah blah but instead of the previous supplier right it's another supplier so


I think they are using the same uh so called product but they just change the supplier lor so so a bit I find like a bit, scam already lah but I already paid the the amount already mah , pay already because that's why this one different from Shopee like Shopee you know once you get the item then err you pay that means you already see the item already you can uh check the size all this then you pay but this facebook ad one is they you have to


pay online first ya you have to pay online first so , I think next time I will boycott ya this kind of so called facebook ads already then ,


eh but you know uh uh ya correct but , after that I still continue to call them cause I really not happy mah I already pay so I keep calling calling calling calling then uh I think it's a china company cause uh I call call call call then after that


they say they ship already they already ship out already then I think oh no no no then two, days later I check my letter box then they got send me ah you know they send me what or not they they send me one package then I open is (ppc) uh one ring


they send me one ring eh correct correct , they ya they sent me one ring then I I call then they say send out already you you already received already then, but ridiculous mah how can be oven sent through letter box one so ya so uh confirm is the ring is what they send lor so I pay hundred and sixty nine dollar one ring lah


ya very ridiculous cannot wear some more one the ring yeah , ya I I ban already, dumb customer service , yeah ah why ah


[orh], !wah! where got so good one buy two get three free ah,


ah


for this one also overseas one ah overseas ah oh, oh , ah okay ,


correct , oh yeah okay , !huh! okay oh (mmhmm)


recently ah oh okay not yet money, oh , oh you okay


you mean they they bring it to you lah then on the face to face they don't want to give you eh they don't want to open lah !wah! okay, oh


oh like just now like that one lah cannot ridiculous cannot be one ah, ya ya ya correct correct, oh


ya , ah , ah


okay


ya uh they err so called ya lor I garner a lot of this kind of experience also like uh when you order even if you you order something but when it comes right it's not the thing you order [orh] you also Kena before right


, oh oh


okay but the oh that means the dairy company will actually so called uh, refund you back the money ah no right because you don't pay delivery fee right


oh okay okay , oh


but if uh I pay if I pay by credit card I call the credit card company ask them to refund eh refund me can right that means they absorb they absorbed for me oh ya lor fault right, has it ah


uh ya,


what nonsense !huh! that's why


now I don't trust all the reviews especially if it's overseas one then you must check whether the order ship or not !wah! waste my time that's why I'd rather use like Shopee all this cause it's all , once you received then you so called uh whether cash on delivery or you make the payment through your credit card lah definitely makes more sense lah correct


topic two okay, eh bro yes good good good uh ah


no leh I I seldom err aim all this specific like twelve twelve the eleven uh I think got eleven eleven all this , so, no leh so far maybe you need to give me some intro lah so far I only use like Shopee I think twice before only but not bad lah I use before just that I never specifically every time aim all this discount leh Shopee that time I use to buy like err pants


shoe all this quite cheap quality quite good all this lah ya,


what you bought what you bought that time (mmhmm)


oh okay


okay, but is there like any like shipping costs or it's all local one oh free ah but you must hit a certain amount lah like you must be big spender no need meh


so if I buy like a ten dollar pants also free ah just pay for the pants itself lah


!wah!


ah, okay okay but so far you use like Shopee Lazada Taobao which one stand out for you Shopee ah


, uh okay okay


I see I see ya so far I bought two things from Shopee both I haven't called the customer service lah hopefully no need to call lah cause, there is no issues mah ya ya yeah so far the quality I find really not bad for Shopee lah I never use others before ya lor so shop Shopee I use uh is quite good I bought pants I


bought shoe very cheap and then it's still the quality until now still very good, ya still last like I do a lot of things with it but it's still good quality ah I think yeah that's and then yes


oh uh ya ya ya uh last week I went to uh cause you know quarantine ah so I use the the what is that called ah the rediscover singapore bar yes correct correct you you do you have did you use already or haven't use yet


have, [orh] uh , oh not bad I went to the the one at uh Bugis err one one of the hotels there we err I used


the hundred dollar so the hotel itself gave me gave me another hundred dollars uh voucher but that one is for dining lah of course , ya ya ya for dining so at the end I only paid forty eight, dollars for a stay there yeah correct correct for two of us lah me and my uh my partner yeah two two person then only forty eight dollars we paid for two days ya so uh it's it was quite good lah ya I mean uh the


as you know lah singapore uh uh the only facilities we'll use in the hotel is the swimming pool and the gym so for me as long as the swimming pool, are quite decent size is quite good then standard they will give you uh breakfast and then also uh breakfast only lah yeah buffet buffet lor buffet breakfast correct then the


room everything very clean got balcony all ya I I I think uh uh, ya you saw my IG mah uh I take picture from the balcony very nice ah, , Bugis near the maxwell market there ya


uh correct correct it's it's like boutique hotel lah it's like a boutique hotel kind not those uh #atas atas# kind, it's boutique one ya, not bad not bad ,


maxwell food centre lor I mean the location ya the location also not bad because a lot of eateries nearby got maxwell then the stretch of #tanjong pagar# have, all the like err what is that called ah cafes or , all uh korean food all these barbecue


yeah so I think ya that area quite centralised lah for ya you can for yourself you can go and check it out lah with you and your wife can find ah ya ,


, uh not bad lah never really talk to the staff but for like check in timing all this they never like uh make any


mistake I book what time I get what time then I think about fifteen minutes earlier I reach there fifteen minutes earlier they also are quite polite like ask told me that eh sir your room is still not ready maybe you take a seat and then I mean I got


uh meet before very nasty one lah like eh you are early later you come back those kind but not in this tone lah but the reply is something like that so this one I think ya they very polite and then uh they uh just let let us put our bags there and then


err maybe give oh they give us a cocktail cocktail , to ya correct welcome cocktail ya quite quite power this one ya so , I I it's quite good then on uh I think the second day raining they also give us umbrella when they saw us waiting outside ya so I think I think the the staff there all got trained quite well ah


ya ya ya the standard not quite quite good, (hmm) ya that


ya you can try there or if you prefer like those more centralised you can go, to uh the, where is that called ah more central area lah like esplanade that area but I think I don't know with the with the so called rediscover singapore voucher


can you use in those specific hotels lah oh it's not Sentosa lor not sure if you stay before at any of the hotels there ya, beach is also ah


ah


oh like a bit resort resort feeling kind one lah, oh really ah


, in the in the hotel !wah!, don't know I never see !woo! ah, oh really !wah!, oh


, !wah! where where where is this ah really never hear before it's in on the the Siloso beach itself ah, oh okay okay


ya ya correct ah, , uh


ya


yeah , ya I never encounter one that provide dinner also lah uh uh not bad,


ya quite sounds quite spectacular also some more near the beach then uh I think now the beach also not very crowded lah cause got the restrictions all this ya you have the beach to yourself okay okay


actually eh bro now chinese new new year coming soon you got err go gym get fit or not you got use eh got go gym like get ripped or not have ah


the err SAFRA gym lah in Yishun itself, oh okay ah ya


oh okay uh


oh okay , eh but they got they got free weights or not because I always go, gym mah they only got those machine machine then the free weight a few only every body using ah


uh ya ya ya correct lor, I see


usually you go during like peak hour or non peak, peak hour ah, , !wah! that timing still got chance to use free weights ah no need to queue ah


oh uh


okay (ppc) ah , okay so (ppc)


yes yes ah yeah , oh okay okay


I see but do they like tried to up sell you anything ah cause I've been to like fitness first all this they the personal, trainer there all like are working in the bank like that ah they, see one person they will try to upsell you to sign up for a lot of other things one don't have ah the the one at SAFRA like !wah!


ah, !wow! that's good


like that oh not bad leh can consider but the membership fee, is it how how much you paid ah is it very expensive uh


six !wah!, okay that means if I go like maybe one week three times I get back the money already lah ah uh ya cause I've been to I've been to a few gym mostly the per entry is like ten fifty twelve dollars like that


per entry eh per entry yeah !wah! sixty dollar a month ah, even for peak hour, oh power


ya correct, , !wah! okay ya correct


oh ya I go before ya , they they will they like shark like that they will keep asking you to sign this up sign that up ya that's why I I wanted to know your experience lor from SAFRA then some more SAFRA got after gym you can use the the swimming pool also right uh


, level ah okay okay so like , is it , ya is it like very ah so called the, SAFRA gym at the one you go is Yishun right


Yishun oh got the what is it called ah err sauna all this the hot, the jacuzzi all this have ah cause I every time after gym a bit aching ah, I want, there is provided lah ah okay okay


okay


, ya uh


oh is it ah okay I I never been to Yishun SAFRA before maybe yeah should go and


take a look , oh okay okay (mmhmm)


oh they got cafe meh I only see like Kopitiam all this oh cafe ah !wow! uh okay okay


ya [lor] ya [lor] not bad not bad, can can you one week (uh) you one week go how many times maybe can find you, two three times [ah] [oh] okay okay okay