ended in my family we normally uh use only uh Apple laptops because we've had a great experience with it in the past uh several years so I went to purchase this laptop right so what I did was, I went to the Apple website and I look at the latest uh configurations of laptops okay so uh when I look at it it is it's it's designed in such a really nice way that you were easily able to compare and contrast between so many models and the features


and you can like when when you click on a specific feature want to improve and upgrade something it immediately reflects on the price, so it was like it gave me a very uh holistic picture, very delve out of the picture and I was me able to make my decision really quickly then I I ordered it immediately I can I could have either ordered it from uh US to ship to my house or I could uh uh


click a number there we should immediately call the centre and and check whether one of the stores near near me or has the product and the the one of the stores near me did have the product and I and within the next ten minutes I drove over there picked it up and came back in the next one hour, so this whole process was something I will never forget because uh it's I know there's definitely an expensive product but the the reason I feel it's expensive is also because of


all these additional convenience factors that they provide along with the great design product itself, how about you what do you think rekesh uh


so uh okay I understand so uh that I think uh hospital services is very it like you know important to have a great experience because uh of course it's a matter of life and death so let the kudos to SGH for giving a great experience


how , well how I'm come to another industry completely I think another industry which strives to, uh like master, a little uh like really good experience is the dining and the you know food and beverage industry


so


hello hello hello can you hear me now


hello hello can you hear me now, okay uh apologise for that sorry uh can can I continue, so uh basically I was talking about another industry which uh tries to get a really positive experience is uh the food and beverage industry uh because I think


a good experience directly translates to uh the profits for them so uh recently I, I went to this restaurant so I went along with my two friends to this restaurant and it's situated in a mall however it it still behaved uh largely like fine dining


so it was really good because I went during COVID time and during COVID time you know how it's very difficult to like seat people, because you still need all the restrictions right the five P uh the distance and all that even even then even though even though it was crowded they give us a solid waiting time and they like told us okay uh we will need at least a ten to twenty minutes exactly and they kept to their word because when they when we came back they immediately seated us and they gave and the service


the options of the food were also really good like it was there was turkish there was , there was indian there was chinese all mixed together like and there were some mixed uh food as well so when we ordered and they brought it brought it to us within uh


with uh ten minutes only and then we the normally was the food great but the ambience was really good like they will place there was so was uh designed in such a way where like there were people who went up to take photos with the background, so it was like it was a really got uh


well designed and and everyone is like a, like having dinner and having a great time and and okay the prices are a little bit steep, I would I would say but other than that I feel like I had I I paid value for money because of the great experience and like it's like a good memory for me and my friends honestly


ya so I think that was a really good positive experience uh I had when when I went to this restaurant


, yeah


you know of course so like did for these restaurants do you call to make reservations or like


ya I I understand, so basically , ya so I understand ya but like normally I don't have a great experience when I'm like when I when I like call uh in general not only for restaurants but other things but then uh there was one time I had a really good experience when I actually call the uh this service the and the


that and and I mean it's going back to uh Apple because uh since like the we used quite a lot of Apple products uh we of course tend to encounter some problems from from, like you know when using the product generally right of course so we whenever I call them right and then they they have this recorded messages definitely directing me to where I should go and once I go there


the whole experience is really really, well made because the person will first introduced themselves and they will ask you your name so that already makes a personal connection you know then they will like in detail ask about like, like the product oh what's the issue and all that first of all when we ask the serial number when we ask the serial number itself like they get all the information about the product already


right so uh when they get all the information about the product basically what uh do they they, other companies we noticed they will like ask oh what are the features what's the model number what's this what's that but they don't need all these because they took the serial number already


so while that already half the job done now they all focus on only helping you fix the product, so that was a really good experience most of time my product gets fixed uh a and it's like ya much better at the end of the call which I really appreciate what about you have you had any good experiences


!wow! that there , I would have not uh not that's a really good experience I would never forget it also, !wah!


ya definitely, !wow! that's that's a great experience, but uh like wouldn't want it like when we expand to like other topics like uh, on daily basis like what are the services that when I look at like like what services I use of course I use my phone a lot but


other services I think like I use on a daily basis you probably like maybe netflix or ya I think like most specifically I'm going to like netflix I feel like, the experience is is so excellent like honestly when I have a accounts with like multiple other uh streamings platforms like amazon and HP and all that but then I've never gotten the same experience as I've gotten in netflix what what do you think about this


okay so, ya so simply put like , net netflix has uh just the user interface for instance uh like uh


they will they will no not release many new movies or episodes but when they do they will market it really well like they will put it on top and then they and then each one will have like a two liner three liner and then on top of that the trailer will start playing right and like and like uh when you click play for example you


watch the thing it it's very for us it's very simple because we don't really notice uh but for uh personally for me who are who has many other streaming platforms I noticed this something as simple as just fast forwarding to a part, so you able to look at the the at the small uh peak uh peak peak ya small screen right so you can pick at which scene you want to go then you go there and it's very it's uh it's very convenient but however like if you go to like maybe Amazon you need to click on the fast forward button then the fast forward button will like quick keep going going and then when you play it might not stop uh you click on play might not stop at the same time


ya it's it's really the ya quite that much more difficult than other service and the subtitles, simple subtitles I think netflix subtitle is standardised but then like when they have credits rolling they would the subtitles will move to the top and then the subtitles will it's just the right


font and it's bold and it's in all in caps right so I I wonder how many focus group discussions and all that they went through in order to decide on this like if you look at like uh another streaming services subtitles are so poorly designed like got some movies and some scenes okay I understand it makes sense


but it's not it doesn't make sense for all scenes all movies like that which is which is something amazing because, ya like to make subtitle said ah that makes sense to every single scene of every single movie, whether in any language


you know it's not exactly wide it's like of wide, so imagine finding that right shade and the right font size and everything in order do that that's just one subtitle so in general like I think the experience of like netflix like you want to continue watching then you have to just click on continue watching and then it'll come in right all that overall rating


ya but then the sharing the account I think is like uh for every platform is the same thing you know like if you have an account to share and it's quite funny like I I remember, seeing this uh joke online which says uh uh someone says if you want a free on twitter if you want a free netflix account just call this number then uh netflix uh replies to that tweet and says uh this is a scam uh just uh use someone else's account just like the rest of us


I agree I totally agree that that is an excellent feature in fact I only got the netflix account only when they introduced the feature of like you're able to download it on your mobile devices, ya, to those uh that's unbelievably good uh thing


so when like what what other daily or like uh other services that you you think like !wow! okay I'm inspired


yes I did I've heard of it


ya I think gyms in generally they they strive to get a really good experience as well uh like uh post to gym as well you know what I mean, not only the actual uh like working out only


that's really good but , I think like another place where they strive to get a good experience but a majority of companies fail is like airlines I know it's not really suitable talk about it now with the COVID, never think I haven't really travelled recently but I feel like uh several people would have said this over and over again but the experience that I have received in a singapore airlines is unparalleled


so I personally I'm not rich enough to travel in first class, or like business class but uh there was one time there was one emergency, and uh we had no like my family had no choice but to travel singapore airlines first class, okay I'm I'm not saying the economic class is bad but


but the first class is really next level it it takes it to the next level and I am like is this heaven, and that's the kind of a thing you know , the amount of uh food and then the only regret I have is I used to I was very young uh pretty young kid back and I did not use all of this I was like I hated eating food in general so I never tried any of the food


and I was just like looking at like the entertainment over there and the no matter what time it is we we travelled for nearly I don't eight hours something like that no matter what time is the night time morning time the stewardess will always come and help you with anything, and like they were and they were like engaging the other kids over there and ya is and the thing is when you leave the airline itself you take home with you so many things you know what I mean


not only food stuff like things you remember like uh like you know the blinds socks, uh ya, I think nowadays they give pyjamas also which like I I need those pyjamas like those are like really good uh, that's a really excellent experience I think even though no matter how young I was it's like ingrain my brain right now


I totally agree it's a it's a net it's a very good experience honestly, but like in in singapore I think like uh I mean right now it's not in a good condition lah singapore airline so uh pray pray for them [loh] honestly, ya but the


like when you stay within singapore I think another, thing like since we like use our phones right a lot I think uh Starhub and Singtel and M one those kind of telecom players are like so important right like cause not only for phones but like for TV and all the stuff


and I I I personally like have given them, several calls over and over again in order to like get my thing fixed the mio TV or something more often or not I receive a really good experience and and if they unable to fix it right they the Singtel people just come over it's mainly Singtel they'll just come over just replace my mio immediately


for free and I was like !wow! that's that that's really uh, utterly amazing service honestly just so that I don't like they like okay since they purchase a service they don't deserve to miss any, episodes or any uh screen time so they do it ASAP which I feel like really good service


hi my name is Rikish and I'll be also speaking about question two so uh for me I think, carlton made a quite a good point, uh and I also have a Standard Chartered, uh credit card right, so basically when I first started off it was like


at two per cent but then once COVID happened then they they reduced the interest rate to one per cent so now it's it's lower, than what it used to be but it's still much better than many other banks out there so I think that's quite good for me and I hope that it goes up uh after this world COVID situation uh finishes


but, for in terms of like uh having a debit card, what do you think like, for personally for me I wouldn't want it at this point in my time at this point in my life because like, you know there's a lot of risk associated to it like if you spend too much and can't pay back and


then you know you in trouble, so carlton what you think


cause honestly I I think it's a trap right like once you step into it and once you make a a choice to, use the money first that you do not necessarily have, it's uh it's going to be a problem in the future for you to, to somehow get that money and pay it back and then when you don't then the the interest keeps on piling up and eventually you and like


a hole a deep hole that you can't get out from so ya totally agree with you man


I wouldn't say it's a form of gambling I would just say, you are living, you are trying to live a life that you do not necessarily have at the at the moment so I I think it it shouldn't be that you you should be comfortable right you you should if if your if your uh income or whatever allows you to do something you should just make do with that and shouldn't like try to


get more things based on uh some, uh, some cash that you do not even have in on hand, ya so, that's what I feel about it


bro but how what what what what do you think about like, at what age do you think like uh, uh like for example a child right should be given like a ATM, uh card, to manage like their bank accounts and stuff, what do you think you would give your child if you


I I I got it around the same time as you I think uh probably around sec three sec four around there I think that's when like you know like what you said lah like, usually my parents would give me uh money to carry to school and stuff like that but in terms of emergency


then I will use the card, to to uh, pay for whatever uh I I need lah right so, I think that it's, it's it's a it's about trust whether the parents can trust the the child and the truck and the child uh values that trust and and uh


spends the money wisely you know, because I think at that age you can be very influenced by your friends and, uh it's very easy to uh, uh very easy to just get, just just spend that money because you feel like spending it and and you want to be as popular as your other friends or or what not


no no no I just had a normal uh POSB, uh bank card ya but it was ya ya


uh it was like my, uh POSB, kids savings account I think, ya so so ya, I think most of us start with that right like I I'm not sure but, ya I think that's like the first one but then uh as you grow older you see like eh actually I can put my money somewhere else and then you know it can grow more for me and


like yeah, I I that's the starting the stepping stone lah right to to lead to other , banks out there I would say for me


ya I I I would say like, I I've seen so many of my friends doing like forex trading or even like uh like how to say uh, what is this stocks right stocks exchange and stuff like that, and I I mean yes it's good but


I would say it takes time it takes a lot of knowledge for you to really uh understand what's going on, and and it's not like it, uh it definitely has its risks is more risk than putting in a bank, because it could fluctuate you could lose more money than what you put in and stuff like that so


uh I I, I would say if you want to earn more money then you have to risk more lah right you know, ya so, ya so I I I don't know if it's, ya I don't know if it's a good thing though


how much with ya yup yup


but like you said lah ya say I'm sorry go ahead


I I just wanted to add on that actually you know when I first uh talked about forex and like my friends who doing honestly at the start I was like oh shit like, these people are making so much money and like I also want to do it and like, I want to know how you know and and like when I when I approach them they are like saying okay ya sure we can we can teach you but is for a sum of money and at that point when you don't even have enough money to invest and you're trying to


get it the cheapest like, invest the least amount into something and when someone says like, I'm going to charge you like uh two point five K to teach you something then it it's very daunting you know like, I don't even like how I don't even have that money how am I going to learn something for this much of money so it's like a bit a bit uh scary to to to step into and


it doesn't look very uh, friendly lah I would I would say it's not a very friendly environment to


I I I wouldn't say so like from what I see her, they are making good investments and and and making money from it as well but I think this is more of a side, a business that that helps to uh give them a a larger revenue of course you know


as you know like knowledge is one of the best things you have because it's so powerful right you can do so many things with that knowledge you can sell that knowledge you can use it for for your own benefit ya so I mean it's it's part of of uh


ya I I mean uh I would say that it's definitely more reliable, uh it's it's definitely more reliable but, the returns are are much lesser so uh, like I say again we've we've got to see


what we want whether we want to risk it or whether we want a slow and steady uh


ya I totally agree man because I I think money is like a such an important part in your life right like, from savings to to knowing where to invest or or knowing how to spend your money and and and planning to, because you have so many things in the future that you need to


you need to uh finance right and fund so it's it's I think it's very important from a young age to, to have this habit of of knowing how to, deal with money and and knowing this kind of knowledge because, honestly it's very important for us to to have this stuff lah other than than what we are learning in textbooks and and


and the normal , subjects and what not right so, ya and and I'll and I think at that age also your parents are not going to be telling you like oh you know you got to think about this or that, most the most maybe they say uh ya you should uh put some money in the piggy bank and save it for uh your birthday or something and then you can buy something nice with it


but it's never , realising that oh in the future you know you'll be have to save this because we got a lot of things to pay for or whatnot


ya bro maybe


I I don't think they do have a joint account I think it's very separate but, like I mean I can see the benefits and disadvantages of it lah you know like, if if you guys have a joint account you are you can use that money to pay for common expenses that both of you so for your house for a car stuff like that but


again the the flaws for me uh that, it's let's just say something bad happens between the couple right then, how is the money going to be dealt like, it's the one person going to take it or split it both ways it's a bit of a of a risk there you know to have a joint account so I mean but personally for me I I wouldn't want to have it


and I don't think I there's necessity to have it as long as there's understanding between both parties ya ya correct


negative product review


ya definitely like I think one one instance that comes to mind is is when I was during the uh circuit breaker period right like we all couldn't go out so everyone was stuck inside the house and and like my exams were around the corner and there was coming


and my home internet it went down so it's under singtel it went down and then uh we we tried calling them and everything and then they said [orh] it's it's another company that is dealing with this so they said okay we will try to do something and when they asked that company they said uh now is COVID period so we can't send anyone down to the house so


in in other words they were like to uh no sorry there's no no choice you have to uh wait then we are like how it we are is COVID period we can't even go out, ah we have to stay inside the the house and you telling me I have no internet, like how is that even possible then then they expect us to use our own data right so like let okay so uh eventually they did send people down after so much complaints we even wrote to the to the to minister okay


ya and after all of this they finally came down they solved it but I already use my mobile data cause I have to study for my exam right so I was using this and and you know what's the best part at the end of the month they they charge me for the extra data that I used, and and then yes


and then I blasted them because, it's their their staff that failed right so I had this the other or this the only way I could use like or study and then I told them no why must I pay for this it doesn't even make sense if that thing didn't stop working I wouldn't have to pay extra what


so, so I would say like that like was such a bad experience honestly like trying to make them understand like they don't even try to understand, where you coming from it is like oh you exceeded so you must pay you know there's no like sympathy or or or understanding or there's no like track flow of information like oh you know uh these these people actually


the the internet went down therefore you're not going to charge them money even though he he uh ya so I I would I would say that one of the worst experience lah


ya


ya I would agree with that, oh ya because because they sometimes don't verify right like just some people just put like a like a like sometimes PS four also they just give the box and then they stuff things inside and then you don't even get you don't even get what you ordered and you have spend so much money


and sometimes you you you you you you are scared right because you don't even know if if the company is going to, uh like allow for for you to get the correct product or get for you to get a full refund like there's so much of risk and liabilities everywhere that you don't know who is going to take uh credit for for the mistakes you know


[orh] shit


ya okay I get you what you mean


uh budget ya definitely, , but I would say some of them still try their best like I remember even on scoot uh, scoot is a budget airlines right ya, so like I agreed like they did like have, they did try to engage us especially I think it was uh christmas or something like that then they will like uh performing on board and and whatnot entertaining the crowd and I I would say it's okay lah right and there's a certain sense of of uh


customer service there, in terms of engaging us I will do it might not necessarily be what the people want and instead like they would want better uh, like, more enthusiasm in serving us or something like that you know


oh okay I get you


it's so annoying right because you you are like (ugh) just want to get all of this out of me why why you keep on asking and then and then just when you finished doing all of that, they the person will say uh you know what uh it's better to recharge through our email our like email or some and then they cut the and then they cut the line and then you are like wait what I no and then you call again and then you have to go through that same fifteen minutes again


this solid solid advice from your father


ya doesn't matter what what what what they give you for what is allowed to be seen it's just very poor you don't even want to watch it after after you have gone through all that unnecessary struggle


uh one of the ya one of the, ya definitely what like I mean if it's if it's up there why why why are you keeping it all the way at the back of your database right should be right at the front


and then if you know if you know so many people are going to find for it since it's like damn good, then like oh like, by all means put it at the front lah right, like if I need to struggle so let's be honest not everyone is going to, key in the whole name probably for personally for me like I'll just key in half and then I'll be like


oh it's not here okay fine, then I'll be like uh, ya correct then I'll be like you know it okay it's not here confirm not here I won't I won't I won't have the patience to type all the way, yeah


paying for the service right, ya, and you're paying for it is not that is a free thing and then they they said [orh] you you have to put in the effort to go and find it like I'm already giving you money you better be good you know


I wouldn't I don't think I have had a bad experience, I think, majority of of what has happened, is is okay may be, may be one place like I went to uh, the sushi express sorry not sushi express I think Nihon Mura Express or something like that in uh in uh sengkang if I'm not wrong and then like


they were so slow to give me my food and then moreover the aircon was not working and then I was like perspiring inside the restaurant waiting for my food to come for like don't know how many hours , not hours lah but but like super long time and then it was so unpleasant like I'll I'll just told told my friend like bro I just feel like having one dish just just one plate because you know you when you go to this kind of places you you get like a couple of of uh plates right multiple like you take out from the conveyor belt and whatnot then I was like


dude I'm so done I just want to eat one plate and then I want to just Chow , because like you're so like humid in this everything there didn't seem right ya


positive product review


for uh for me


okay so basically for me uh, I went to uh, get a uh get a surgery done honestly for my knee and I I I, uh SGH and uh, I think the customer service there honestly is quite good because


before going there they they did call me multiple times and inform me of the the procedures, and where are you will need to go, and, uh all the necessary things that are to do before coming, and even after my op had finished


uh have finish uh, I they they they calling to check multiple times with me uh about how the pain was or or like how was sleeping and recovering so


I will say that, the overall experience there is a is a very positive one and they they do truly care for their, patients and and uh customers, ya so I would ya like I would definitely recommend


people who want to go to SGH, ya like the the I mean people who have operation to go to SGH because like the procedures and everything


I think I think similarly uh I think another uh another place to mention is actually uh hai di lao, have you heard of it carlthum, (oo) okay basically it's like a steamboat place uh and and uh, I I would say


I like going there because, in addition to the good food and the amount of variety of food you get like the customer service is really up there, you know and uh, they do so many things with sort of like for girls they have like uh I think they do


some, medicure or something or pedicure some stuff like that, ya and then like it be even before you even step into the restaurant they already have like they serve like some juice or some drinks outside so I think that kind of of


like reduces, the the waiting time in your head especially because you are like occupied with something you know instead of of having to wait in line for such a long time, so , I would say that that is one of, the more


service oriented uh places I've been to lah, ya you will find it pretty good ya


I I don't think we I don't think we uh I I did where it’s a more of a walking thing, but uh, ya the whole experience I think it's about, giving you a customer something that, they do not necessarily ask for but uh in a way that they feel that it's uh oh !wow! it's nice to have this it differentiates this place from that place you know so it's more of showing them that you care about them and it's not just about the food we care about how you how you feel or how you


come into our restaurant and I think that speaks uh volumes lah in in some uh, err restaurants and stuff and and like some uh some other places as well like I love it when when uh the waiters come and explain what you are eating you know sometimes they'll come and explain your dish to you with so much uh care like


how he was prepared or how or what ingredients goes into into these instead of just giving you the dish which was which you saw from the menu they they come and tell you how it's made so so you really uh appreciate the food that you are eating and somehow I I love that like that kind of service really like


just makes me like and admire the restaurant


I think uh it since we are talking about Apple right I okay basically I don't use Apple that much I'm more of a Samsung user so I I just followed my friend into the, the Apple store in in orchard right the the huge store, then like I went there then I was very sceptical about all these uh products and whatnot and then the the cut the


the the person came to us and and, started talking about the phones asking us if you want to buy stuff and whatnot and I was like no no I I don't want to because I already going to buy my S twenty or something ya then after that he was like okay it doesn't matter if you want to get anything or not let me just show you something so he takes the


uh the, the ten pro right you know is the the the back the special back, the ya and then and then he uses he asked me for my house key and then he starts starts uh scratching it okay so I'm like, what, this guy is so much confidence in his product


and and he even asked me to do it he said I won't charge you any money for it so I did it and then he like just, uh rubbed it off and then I was like what, that that made such a huge impact to me and for that split second right I was, really thinking of even getting an iphone because like who would if if if the if they themselves have so much confidence right that means it's really uh of a different level lah right and I should have that same confidence in the product as well


so I think that kind of service I I don't know if it can be considered a service but I think it really made a big impression on me to to buy the product because, they were really selling it at that at that level


completely made me change my mind about the durability of iphone and, like , I I think it showed the quality of the build which I never which I never really thought of like for me is like uh Samsung Samsung is easier to use but then


looking at that like oh !wow! this a different this a different dimension that I haven't compared to to a normal uh samsung phone you know, so that was really very impressive


for what what what do you mean by the same experience like what what do they do for you that that differentiates them from


ya screen ya correct, ya exactly where you want right


ya ya so so you don't have to like finish something it's always there so you can always go back to it whenever you want, but then again then it has its problems lah you know like maybe sometimes uh people are sharing your one account right and then you do not necessarily want them to watch what uh see what you're watching and then is there but


it like I said it's a give or take you can't have the best of both worlds for this so


, ya I I I uh honestly it's so much cheaper to to share to to to buy like a bundle you know like, you you save so much more, then then just pay it individually, ya


and and I love how how you can watch it on the go as well like the the the the there's such a wonderful thing is downloading it at home with your wifi and then going out and and watching it without the need of of heads uh needing to use your uh mobile data which is !wow! like what yeah


like for example uh okay like maybe I I would say, for many months back maybe four months back I went to there's a gym called uh F forty five, have you heard of it carlthum ya ya, ya so I I would say that it's not like your conventional gym


it's more of a group based uh training, so honestly all the trainers there are very super friendly and and they will actually motivate you quite a lot and how and like the whole environment there you feel like oh okay I'm part of this group you know


and and they treat you like family so I would say the whole experience there the service and everything it's it's black top notch right so they give you towels they let you go and bath in the facilities under shower areas after that , there is like places for you to chill for you to refill your water


and and, ya I think overall it's it's wonderful and especially now during the COVIDs in uh period also like I I've seen their videos and whatnot like they really do make it a point to, clean down all their equipments because their customers are their revenue right and they really do take care of them so


really very intensive cleaning and and, I think, the whole , level of service is really, superb, and I ya I'm not sure if it's throughout all the branches but the one that I went to ya they were they were very good


ya ya ya I get you


even even for like long flights right even if you are not not in first class like economy class they do give you this pouch right with your toothpaste and everything so like you ya so I I'm I'm, I'm sure it's not only for first class lah like, for economy , people like me we can use it as well


, ya so I I I think that is a very , like, small touch lah right like, gives your customers the, the a bit like you care for them you want to take care like of of them and, ensure that they're fresh and and then you know even in the economy class they come with the hot towels and stuff have you ya


part one finance, uh hi have you


uh actually I have no experience in investing yet but I do plan to do so in the future like maybe when I'm more stable and stuff like that


like I thought that if I were to be able to, get when I'm when I'm more stable after I married and stuff like that I thought like okay I will start with my first house I'll buy my first house and then I'll rent it out and then with that money


I will save it and then I'll buy another house and then I'll rent it out something like that lah that's how I I actually thought that is kind of like a personal investment plan what about you, (mmhmm)


stocks, but I mean like when you invest in stocks you actually need to have like a base knowledge of stocks and to like something like that do you like plan to go and like learn about stocks and trading and stuff like that (pp0)


ya, do you do you know anything about like financial products or anything like that


, actually I I don't I don't really have any financial products lah maybe like uh my insurance current plan they actually talk to me about financial planning and stuff like that also but I really feel like it's just not time yet and also like I feel like maybe when you want to do financial planning you just have to get more stable what do you think about it


, what about like your like your CPF money, I mean like do you have like any plans for you in the future or is just going to like you just want to like keep it there or something like that usually people like they're like from what I know the older people they always have some kind of plan for CPF


CPF sorry, no I think that uh in singapore is just basically after a certain age you can withdraw certain amount of money then but when you buy house you can actually use partial of your CPF that's that's that's from what I know you would you buy would you use your CPF money to buy a house


uh I think I'll probably go for like a HDB four room flat first it's like the bare minimum before I like get two more


you, why BTO though (ppc), sorry you were saying


ya but it's actually smaller and stuff like that then like if you want to rent out you cannot rent out, ya I mean like you can rent out but people would prefer like all those kind of resale flats because it's much more bigger than like it's already like resale flat is like how our parents already have our our houses just as it is right then is bigger BTO flats if you realise they are smaller in size and they are more cramped


, ya BTO I heard that like you cannot really like reno so much and break down I'm not really sure lah what about what do you think about that


(hmm)


oh ya ya CP ya but when it comes to house already people will think about using like CPF money half of it, ya, you got ever think about like after that that certain change that certain age if I'm not wrong it's like fifty-five or sixty uh you can withdraw a certain amount of cash do you like a lump sum of money so do you know like what you going do with that money like if you were at that point what would you do with that money


retirement lah retirement plan but I mean like like, ya so like have you ever think like what what's your what what would you do with the money would you like invest or would you like buy like, or put in savings plan or something like that


savings plan and invest is like some some sort of similar I guess


what about saving I mean like savings is also savings is also the similar thing right what you mean by


that investment the value goes then saving it doesn't I think certain bank like they have a certain percentage mah oh ya true also but I think


ya that's true also I mean like if your stocks like, uh, ya so if let's say you which one will you go for will you go for savings plan or investment plan


oh more than investment,


I think that investment is actually kind of dangerous depends on which type of investment though, but uh savings is a more safer option it doesn't really like affect anything it just but it also depends like where you put your money at


like what bank what's the percentage whether it will grow in a certain amount of years and stuff like that, , ya I actually know my bosses are investing in stocks but time to time they actually do have like setbacks like when the stocks go down and or they lose their stocks and stuff like that


so ya lah like I said like stocks is a bit like harder and it's more risky compared towards like if you want to compare it towards savings ah, sorry what oh you were saying coins


oh ya ya ya I heard that like the gold coin right ya I mean like indians do believe like buying gold is a is a form of investment also


because like from what I have learnt from my mum is that when you buy gold and you keep it when the gold price is higher and if you wish to sell it it uh you'll get, ah you will get a double amount of money or something like that or even keeping gold for many years is also like a form of good investment


it's like you have it's it's it's also like I think it's like a financial product if you were to put it in a certain way lah I think so, if you were to look at it from that option it's a it's a it's a item mah


ya what's your intake on gold, saving gold buying gold as a savings


ya have you ever like try to like create like a mind map or like analysis or something like that, to like like for your saving plan, or you just like have like a list like


oh like a rough rough gauge and plan lah, that's cool


, ah it's like a five years five year plan lah something like that, , would you ever do trading if you had the means to


, I think like when when it comes to stocks I think there's like many type of stocks right,


investing is similar to


uh that's a real tough question investing similar to gambling gambling, gambling is like, ya actually it's some sort of similar lah but it's like I it depends lah what type of gambling like


maybe like the singapore pools one that one all I think it's quite safe but if you were to do it at like some kind of table, at a function that is not really a that's not really a investment plan that's just like some kind of like leisure thing


ya but uh but I mean like ya there's actually gambling is wouldn't really say is there like a proper word for gambling I think no right just like gambling singapore pools like ya for betting ya betting is also kind of like a good


if you want to think of it as some kind of investing your money need lah cause every time you buy your ticket you put you put a certain amount of money mah, I think it's actually a good investment lah, but maybe not too much


ya, you would you ever like do betting and stuff as your investment plan I mean do you have any idea such, their


ya it is it's very uncertain


okay


(uh huh), as of like if I like since I was like a former students would I recommend


or even with like a bit of money that I have, uh actually ya I would but I mean it also depends on financial situation and stuff like that like if you have like certain every month you need to pay a lot of thing and stuff like that then maybe it is not advisable to like start an investment plan that fast


but I mean like that's my take ah but now you you were a student before this right so it's been like two years since I started studying again so what is your take on this like would you have an investment plan since you are now studying and going to start work


true that true that if you invest like would you like invest I mean like there's no there's no fixed amount for investing right for your personal right


ya ya can but I think


okay can, okay sorry aviro you were saying about uh you when you wanted to invest or something like that, as a


!huh! serious ah, oh investing in stock market or what


oh, okay, have you ever been like has anybody actually told you about stock market or something like that has like


, would you recommend a student to do investment planning,


true, true true


uh I think I, oh ya ya ya my family's into business but I mean like I haven't really actually uh spoken to them on whether they are going to invest but I do believe that I mean when you are in business you already you do have to start investing somewhere because like the money that you get is just you just keep rolling it you know


like you buy stocks and stuff like that then you sell out then, buy again then like it's just a it's just a cycle so I mean like that has to be some sort of investment here and there but what my my sister shared with me in terms of investing was that the money that I earned I actually maybe take a small partial of amount and pass it to her


and then what she would do is she'll use my cash and she will buy stocks, it it depends on how you see it lah if I were to contribute like maybe like


like more then maybe I think I would have a shareholder I would have a shareholder role in her business but I just give a certain amount of money like let say she need one thousand to buy stocks this month then I just give her like four hundred


then the balance she come up with you know that kind of thing, uh


(uh huh), in the COVID, ya I think it did help in a certain sense because like she cannot fork out a lot of money on her own during the COVID so if I were to like help her by okay I wouldn't say help if I were to invest by giving that amount of money it is it does help her to buy stocks and then


she can actually run for that month so the amount that she gets back from selling out her products and stuff like that she will actually give me a certain commission or certain percentage higher, ya that is the investment plan me and my sister were actually talking about last time lah but for now ya I don't really don't really have I mean there's like depends on the amount you give ah


, can say so like, during the COVID right I actually gave like about four hundred dollars so I received back maybe about hundred or hundred fifty something like that but uh there


other days there's like it can be higher it depends on how much she sells and stuff like that, if like you were to have this kind of same plan in your family like or somewhere maybe external were you like take it cause it's like you don't have to do the actual work you just have to put your money there then when it come when it they earn back the profits they will just give it back to you


it's also a investment plan what sorry, ya true true also because like it's someone you trust right when you have more you are more comfortable with them


, ya, okay


, (uh huh), ya


that that actually makes a lot of things, yeah like my my elder sister she has a she has a plan for everything for savings and stuff like that so ya I think maybe when you get to a stage where you are more stable and more like


money wise then ya you probably will start to think about all the investments and planning and stuff like that, ya


ya, oh yeah yeah yeah my boss like that day he was showing me the app it shows that he he told me he lost his stocks


but I'm not really sure what that that really means but ya I think it's quite bad ah, ya so ya like like I was saying lah stock market uh investing is not really not really reliable


part three negative experience


horrible, horrible lah , what about you give me a second to like download the information from my brain


(uh huh), what what you said, oh ya ya, oh what service is that


what Singtel, , ya actually that's true you have no choice they are like they are like the telecom company that you have you've you are married to you have your issues but you need to at the end of the day go back to them


okay


ya and they keep you on hold and you know what's the most frustrating part about them is when they call you and they are like press one press two press three press four and then like five minutes later they still never get you anywhere


why come on tell me


(uh huh),


ya you you basically you like what they are providing to you but you do not like their customer service, would I be right to say that, (mmhmm)


(hmm), they have their pros and they have their cons lah if you want to say it,


understand my my bad experience was when I took a flight to sri lanka you know my sister's wedding, ya it was really very terrible because like they okay actually it was kind of my fault because like they told me that my sister told me that I think you should take Emirates then I was like uh never mind lah it's okay I'm going for the cheaper option I want to take sri lanka airlines and I think it's very bad


so because like their service is like the bare minimum lah I mean I've travelled economy but their service is like you know at the start when you enter the flight, then they have to like greet you there's nobody there to greet you


so it's like it's just like how to say it's just like you enter you enter already right then you have to go and find for your seat and there's like uh one thing about sri lanka airlines is that uh every flight right they have the seat either upstairs or downstairs right to indicate which is your


which is the which is your seat you know what I mean, ya so sri lanka airlines some of it like the text for the seat was like already like rubbed off and some of it was like not even there and then the worst part of it was there's no we call them flight attendant or stewardess ah stewardess is it


there is no stewardess to guide you so it's like a bit messy and there's like everybody like in out they're like like sardine and it's so packed and they are like pushing each other and I'm just like oh my god what is this what have I gotten myself into and then like okay finally there's like one flight attendant who comes from the behind


from the behind of the flight I don't know where she came from then she's like she rather than I mean like from what everyone knows flight attendant and stewardess they are super polite they're super nice they're very girlie feminine right but she's like she's like you know when you go to the fish market and then she's like eh your seat is there that kind of thing


she was just like instructing people those kind of like you sit here you sit there and then like so I finally like I was lost then I uh I was like fidgeting with my ticket and then she was like uh, uh where where do you sit with her broken english her english was super terrible and then she was like ya she was she was like where sit I was like !huh! uh or you mean where's my seat then she was like ya where's seat then I was like then I show her my ticket and then she see my ticket then she's like uh she it was just right in front of me actually


so she just pointed there and then she realise, no the thing like I said like I mentioned the text on top of the seats right they weren't really there and then like I also didn't know like where am I going like is it here or is it there then like here also got e here also got e then don't know which side is which you know then


so when she told me it's here right then I was like oh because I specifically asked for window seat, so when I ask for window seat right and then like there's somebody sitting in my seat, so there was so there was already a person sitting my seat then I was just like she also knew that somebody sitting my seat I mean she saw my ticket it says window seat mah


so she you know what you know what's the worst thing she told the guy right I mean like if there was somebody sitting in that seat and you were a flight attendant what will you do you will be like uh hi excuse me sorry this seat is already taken by this person but she was like you stand up stand up and she was she was flipping her hand up


and then the guy was like !huh!, like you know like those kind of like uh but as if like you, like I don't know how to explain ya and it was, it was she was super rude like even even not towards to me yet but I think she was very rude to that guy also she was like you stand up


get up not your seat not seat yours something ah broken english and then I was like oh my god then that guy also was like the guy also stand up like Shiok Shiok then he just like move lah then, I'm just like oh my god what have I gotten myself into and then like if I'm not wrong


it's it's provided with food but the food came it was super oily and then the guy beside me he told me that his food had some kind of like like don't know ants lah at the side and I was like gosh ya it was super, super weird lah I mean like it was oily to a point that like the plate everything all kena oil I was just like I remember I thinking like how did if I'm not wrong that food goes past SATS then I was thinking like how does how did they go past and or maybe on the flight got ants I don't know what dish


what what what was it also lah but it was so it was such a, it was such a weird and bad experience lah and then I was like and then my sister was telling me emirates is way better they treat you like, like even though you are flying economy they still treat you like you are flying in first class they are like hi and then they are like do you need help and then they help to guide you and then they are super polite and they are very pretty


so ya I think my bad experience when I took the flight was with sri lanka airlines I was like god, gosh and then I was so scared because at one point of time I didn't know where I put my luggage they made me wait at the airport for about two hours because they lost my luggage ya


eh the flight already landed all the luggage already came out but I don't know why my luggage just didn't come out and it wasn't like a very big bulky kind of thing it's just one one small suitcase, and they made me wait for two hours and then they like give me like they keep pushing me here and there towards the departments they are like ah I'm so sorry ma'am we cannot find your luggage then the another one was like I think you need to wait for for awhile and another person is like ah you have to wait for two hours so it was


ya it was just very bad lah I think like sri lanka airlines is a no go


okay


ya lah


ya that's actually out of the out of the way lah it's quite ridiculous also how can you give someone like total totally somebody don't know


that's that's actually quite bad ah like they made her wait and then like ya I mean like I know someone also who had a similar experience I think this actually happens a lot when it comes to, delivery and stuff like that like usually is like I think is a form of miscommunication from like the furniture store to the delivery guy to the customer


it's a form of break of miscommunication lah that's how it happens maybe the furniture shop I think it's, I think because right that day the furniture shop don't like like tell the delivery guys like by what timing to avoid and they don't tell them the important notes lah like


whether to call the customer before you arrive, and stuff like that so maybe the delivery guy has like oh okay if it if they if the customer go tell the furniture shop okay I want it to be delivered before twelve then the delivery guy does not see it on the DO or whatever then he chooses to do all his delivery then he go and deliver at six o'clock then there's nobody at home


you know what I mean, ya so like you saw where the miscommunication happen ya I think I think that's how it really happens ah but actually if it all falls down to the furniture shop they should have given like proper instructions and ya lah but that's quite bad also lah like all the furniture had to go back


where, okay


are you talking about their salad bowl , ,


oh my oh judge judgemental lady


ya that that's so bad, ya ya that's that's really bad


ya ya no phones allowed those kind of rule, ya this this this that's actually very very bad customer service but was the food okay or was it like


, is it the saladstop but


ya ya lah ya lah


can say, yeah, I would agree with that that's actually quite bad ah, judgemental people lah judgemental stuff, they they shouldn't be treating their customers like that ah


part two positive experience, (uh huh)


odd, due to the COVID ah is it is that what you talking about most of the time we usually like stay at home get food but uh when I come to office ya I do go out to eat


uh, experience ah like a very good experience or what something like that is it, uh, ya actually actually


you know below my office tower there's actually McDonald's head I mean in the same in the same office tower that I have there's actually McDonald's headquarters so the below outlet that we have is actually they are super friendly and they are like


they are just super chirpy in the morning so I think that's actually kind of kind of nice ah cause like if you go to most of the McDonald's outlets right they are usually very fast to give your order and they they don't really like, they don't really stop to beat you or some something like that you know but actually this McDonald's if you come to my office tower there right they are like super super friendly ah they are like there there's one guy standing outside and then he's like hi good morning and then like


the after they give you their food they're like uh have a good uh have a good day and then in between there's somebody standing in the middle and then they will have like small talk with you but the small talk is not, no even when you're waiting for the food also there's like this guy in between he'd they were they were just have some stationary staff in between and then they were to have like small talk but the small talk is not like


a for small talk you know it's like eh how was your day today and then it's like ya if it's raining it's like !wah! very heavy rain ah then it's like the whole McDonald's is very like, I don't know it's very happy it's really ya that's why I like even though it's just Mcdonald's but I feel like this outlet makes a lot of difference so I think ya lah it's like a premium outlet


ya you should come you should come and fetch me because like we can just go to mac and have like a simple dinner but you'll know what I'm talking about lah I think it's because like, uh what I actually share with my colleagues was maybe because their headquarters is upstairs and also like the big big bosses are here so maybe because of that like they're they actually work towards having a more positive impact on their the outlet that is closest to their office ah (hmm)


ah if you ya can also can say can can say that way lah happy environment makes the staff happy right something like that,


culinary sorry where, oh ya ya I had a corporate event there


okay, ya they were like super friendly and chirpy and stuff like that ya culinaryon is actually one of the most recommended places lah for uh for corporate events and stuff like that what was your experience there


that's nice (mmhmm) , (oo) what what was, ya ya mine was the we went for the wine tasting and then we also went for like


like they gave us like different different wine and then ours also was the we also had like the making pasta and then they told us to sing and dance it was actually super like fun it was like everybody is so hyped up there, ya ya it's very it's super lively and then like behind the background they just like put music catering to like our generation time


ya , what was your event there, (oo)


what about the food did it taste like nice and stuff, (hmm)


oh okay


fine dining style lah , , I I heard like they were like get like some of the people to like do a forfeit and stuff like that like forfeit dance then games and stuff like that mine was also similar to something like that but it was more to the


we I think we chose like a different type of event compared to the one that you were mentioning yours was the yeah well but it was it was super fun as well, ya actually culinaryon it's actually a very good place to recommend ah ah in terms of when we talk about food I think I think that my McDonald's underneath my office towers actually good to recommend because of their service then for in terms of food I think culinaryon is one good place


uh another place that I can't think of would be for food ah uh have you been to the white rabbit, you should it's actually it's a


date atmosphere and it's super nice they're super nice to you and like, , no no no I mean date environment lah like if you want to bring your date there like for ya


no no no date D A T E so it's like more of like like let's say if you were to bring a boyfriend there then like they are really like super nice and their food is like top notch ah like their foie gras you know what's foie gras right foie gras is the


ya foie gras and then there's like their steak was damn good and then their dessert was like it was so small but somehow it was like feeling and stuff like that, ya it's it's good it's a good experience and they don't keep you waiting when they answer your calls to take the reservation they are super professional super nice


ya I think the white rabbit is a good place like for a date ah or if you were to ask me it was my so far best experience when it comes to going to romantic atmosphere, you got anything similar to that


, you are a foodie you are foodie more than me,


(uh huh), I've never eaten jollibee though is it nice


is that spaghetti thingy nice like everybody oh spaghetti sweet


(uh huh) (uh huh),


ya ya they are sorry, oh ya ya


ya


their puffs will generally makes you full, what about like any place like you got go for like fitness those kind like yoga you got any outdoor, or gym that you feel like you satisfied uh I mean there's like a lot of gyms now so like if I were to ask you eh your I want enjoy gym meh do you have any like good places in mind


(uh huh)


oh virgin virgin active, (uh huh), okay


, , okay


(mmhmm)


are you serious ya actually gym usually had those kind of musky musky smell right, what I mean is it every time very crowded or do they like know how to balance out their crowd like anytime fitness right there's like certain hours that you should like avoid because like it's really like crowded and stuff lah then it's really like uncomfortable for people to like I mean like if you're introvert lah then you just don't or you want the whole like room to yourself


ah that's cool but I mean like expensive is like very expensive [orh] still like affordable,


okay,


man that's quite cool that's really cool I mean like anytime fitness don't really have all these so ya I think compared to,


!huh!, okay, !wow! actually that's new


(mmhmm) , ah but I didn't know they provide clothes eh no gym does that, !wow!, no wonder lah they are pricey but I mean the I mean like it matches up to their service level


, but I mean like it's was it like a company sponsor kind of thing or like your own


ya actually actually when it like ya I think like virgin active is good to look into


compared to other gyms their they seem very clean and hygienic ah, , that's good


the smell of the place I think you had me at the change of clothes I was like !wow! they actually do until like this extent for the customers, ya really good


oh they have refreshments, (oo) , oh that's kind of cool !wow! they actually like really like made it into those kind of spa gym environment ah


(uh huh), there's a what, oh there's like a nap room, dude cool stuff, ya cool stuff cool stuff


ya that's it sounds like some kind of self-treat self-treating place for yourself


ya but there are like kind kind of low key right I think they should just get out there more ah let people know about them more, really, oh I didn't know that they have such so many stuff coming out from them


, oh what about the, what's that ah I wanted to ask you that day cause I wanted to order for you also I mean like what do you think about bubble tea like do you like bubble tea or do you like ice like the what's that ah I first started drinking of sweet talk


do you remember sweet talk, !huh! sweet talk is still around, oh, actually not bad I just buy the one fifty the green green apple ice blended


Swee done, !huh! strawberry sour, oh but I mean like now when you compared to those times bubble tea and now now bubble tea is like two dollar three dollar plus ya Koi that day I buy Koi I was like oh my


!huh! I bought Koi for three I I think so I think it reaches that lah three something, then I like I bought this ovaltine bubble tea or something ah from Koi it was good but I mean I actually you ask me I don't really understand the rave about it it's good but I still prefer I think Gongcha Gongcha also similar right to Koi


(oo) eh Liho is super good ah I really love Liho Liho and their avocado avocado milkshake avocado eh eh but it's really good it's like if you really have a bad day then you really like okay I just want to treat myself then just go for it ah their avocado bubble tea is amazing


good stuff ya, , I always buy like the big cup because I like that myself, okay


part one finance, okay so !hey! wino what's up , just want to ask you like have do you have any experience in investing


okay like investing in what


for me investing I don't know if I ever had a lot of money cause probably thinking investing in like a company if I could in the future ya like stocks you know and that because I think, stocks will be a good place to invest but also you think it fluctuates right here and there because some


ya most likely would have to do that right go and do proper research about it


so that I can figure it, financial products (hmm) I was thinking I could learn more from you


ya definitely getting more especially the current situation lah make it so difficult, try CPF


ya I've looked into that also like for the CPF investment scheme and stuff right, uh anyways do you have any investment ideas for your CPF money


do you have any uh investment ideas for your CPF money


yes definitely I mean but what kind of house would you get though


I mean BTO, I mean everything is already pre-made and done right, everything's already everything's already pre-made and done


really


that's true also, but I mean renovations wise would be more cheaper


I think that BTO way better for me cause I I it's what like I guess everyone's been talking about right, like right now like recently everyone is talking about getting BTO and like invest in CPF into it


I mean that's the only thing like at first honestly my misconception was that's the only thing that we could use it for right


wouldn't that be isn't that considered like retirement, ya


I don't think so eh savings plan most likely will be be uh what do you call that most likely I feel like


investing and savings are very different that's what I feel cause investing I feel like ya, things will grow as the stuff in your value grows as well right like the value in whatever you investing grows it will grow double the amount that's my conception and notion of it


whereas like for savings, depending on what depending on what you're investing


right like for example if you invest like if you are talking about investing in stocks, now so like if your stock market is good then whatever you invest in like the value goes up as well correct whereas like if the stock market is bad and then whatever you invest in there's a chance that you lose like


money also no, ya whereas like savings if the savings has like a uh a constant, like you can just constantly like add in, you know


I feel like saving is always like a better option


for me lah I mean is that is that isn't that not like I mean what's your opinion


okay !wow!


, eh but do you know of anyone who's invested, like it


isn't like Bitcoin a sort of investment also, like Bitcoins Bitcoin you know like Bitcoin isn't it like a sort of investment things ah I heard friends talk about it, ya


but what to do ah do you


, guess I guess so, that's true


my take on gold, I don't really do that I just


I I cause I don't use a lot of jewellery so I don't think I need it but ya I think it's like a normal thing that we all have experience right uh at least our parents do


uh oh I've done I've done like a like what I might most likely need in the next couple of years kind of thing, what I meant, ya


because how much I would need for the next like what first five year what I mean like years after that, ya


, trading like when you talk when you ask about trading what kind of trading are you talking about, (mmhmm)


like no like what like ya it's true, okay what else , oh okay you know what do you call that would you say


investing is like similar to gambling, gambling


ya that's true, okay, that's true that's


it's so scary don't you think, cause it's very uncertain, , ya okay is


oh ya considering okay for me cause, cause I know that you are like mostly I mean you've been working for quite some time already but like for me like I just got into like the working thing after studying


like, considering the fact that you are a student, like me, right do you think that as a as a student like, you would you would you think do you think like as a fellow student you would recommend kind of investing


like would you invest like would you would you recommend like investing, like with little cash like a investment journey


I feel like I should have, had but again maybe the amount of cash that you have that I'm thinking if you can, you know what I mean like I feel like if I at least invest just a little bit of money like it would be it would it would have grown


so at least you got something you know, ya, no but I've heard okay here's what I've heard though I've heard that like you need to have a certain amount at least you need to have uh like I've had friends that tell me like before you start you must well you should have at least like a six month


you should at least have like a six month period whereby uh what do you call that you have to have at least six months worth of cash, or like salary you know like six month to have this


ya, ya, mom can you like get her to keep quiet, uh but she's barking and I'm doing the


ya just


wait ah mom, ma mom, can you tie her at least then she doesn't come inside here like it's very loud, ya sorry cause I've I have like the MP thing that's coming around so like that's why she's making noise when there's like unfamiliar people here


no, , oh really, no I'm just saying like cause there's unfamiliar people around like walking around my corridor at this time like with that ya so that's why


okay


ya like uh what you call that you should have at least six months of your, your what do you call that salary at least, uh six months of savings before you start investing that's what I heard


like you said investing in general, like before you put your money somewhere you know, ya that's what I heard lah but I don't know how, like it it's like a safety they said it's safer


any financial planning in that sense, yeah, ya I told you I think so, but , I mean for what I've heard that you need to have a certain amount of money versus like when you have little in hand


yeah , but I thought like your your family like you know your, like one of your family members had like do like it's quite heavy in investing and stuff like that


I mean you're you were saying like your your your family like aaron but I know that they have like a business and stuff I'm pretty sure with business he with their own business needs to be investing


okay so like technically would you wouldn't that make you like a shareholder in that sense


but wouldn't ever ever need a time when you can just to top up, or like she had to top up where she had like it wasn't like I mean okay let's talking about like situation now right like uh wasn't her business affected and they like investing yes like you did investing help


, (mmhmm) , but would you say you've gotten like what do you call that like your commission amount is it like a standard thing or like uh it changes as the


like hasn't been really good days versus like, bad days


it makes more sense to do it I I think it makes more sense to do it with family versus when you doing with someone random lor, ya so like you know where the money is and it's more open especially if it's a business that you own like for your case or like you can possibly own in the future


like it's it works right cause ya I mean I mean I think it works lah like with your family and stuff like that cause, you if you go together and stuff and you learn so at least you got someone doing business with you versus like when you have no idea completely and then like you like uh product okay let's say like you like a product okay


and you want to invest your money into it but you don't know how it's going to turn out so it's like that's why I think that's where gambling comes into place cause you don't know how it's going to turn out so you just kind of like risking it, and then after that you like put your money in there like it can go like downhill or can go it can go really good


and I guess that's why all these business people are very good, cause they kind I guess they analyse the business


ya most likely, okay , so like , what else, what really they there's this saying that they say the stock market is not good economy


economy, okay what what your thoughts


it was here, (mmhmm)


part three negative experience, all right so considering the fact that we talked about good experiences I just wanted to ask you like some of the bad experience you've had have you had a very horrible


experience, with any particular products


, let me see, horrible I feel like, funny thing is right as much as I would love to say it like my horrible experiences


I still use their service, but I'm going to say like it's a horrible service sometimes but then I still use their service, Singtel


ya I


because their service is affordable lah, and I think they they know it and that's why, and the it's just like I think I okay cause okay I've had okay I said I'm not saying that they are very bad all the time, okay they have like their good moment also it's just the like I've had a lot of people like even me like cases whereby they're just takes so long to get back to you


like when you want to report a problem


and it's like I I think I've had a uh uh, a person whereby, uh what you call that it's just insane lah I cannot, it's just the waiting the waiting kills me, I cannot I guess so angry it's I think there's a problem I think that that


I feel like, I mean we try to understand when they are when we are in their shoes cause I think like if doing customer service is very difficult cause you have to deal with a lot of people right constantly some of them are easy to deal with some people are hard with but I think it's so we think that gets people to get very agitated


which is why people just want like everything is so easy to be fixed nowadays so you just want a quick fix, so like when your stuff does and when you wait and you can't get a quick fix you get angry and you get annoyed and your customer service is like not doing anything to make a situation better so you are like


how, okay I like your service but it feels like shitty service you see


ya but like ya, which is damn sad lah cause like it's good, and at the same time I said I remember I it's just again that thing I don't want to also like say anything horrible about it cause like


like it could have like you could have possibly have good experiences constantly and then that one bad experience, ya and then you have like one experience and then you just like ah I'm so done


(mmhmm)


(mmhmm) (ppc)


(mmhmm) ya


yeah


okay


maybe you blind


demanding ah you own the plate


, angry waiting experience


what, I don't get it why you cannot communicate properly, the same thing happen to to my friend it was a negative experience ah but I felt very angry for her


because it's something along the lines whereby she wanted to she just got a new house right, so she was like oh okay , like, she's ordering furniture to her place, so then what happened was like


she ordered furniture place the furniture place they actually called her and said like !hey! , what uh we will please be in your house your new house at two because we're going to be delivering, this uh furniture to you right


so then they they come over uh they come over like one hour later, right and like the thing she she's very angry because she said if you're coming at two you should be coming at two right you're not supposed to be coming one hour like later okay maybe you got if he or at least if if find where delay is a delay


you if you delay then you at least inform right, so uhoh sorry they didn't come one hour later sorry sorry sorry this what happened they came in uh so they said they coming at two they came at five o'clock so she was there at two she waited and she waited and she waited she they didn't come


so apparently the people delivering this furniture they they are outsourced drivers, right so they are outsourced drivers from this place, they deliver her furniture at five and then at this point because she's waited so long she doesn't want to wait anymore she has plans to go right so she left the house


right because she thought maybe they're not coming today and they didn't inform her so then they inform her they're like oh okay we're at your house already uh we're delivering the furniture we can just cause at that point of time her house is under renovation so it's locked


right the the house is locked so they are like oh you just uh give me your lock your your your lock password we'll put the stuff inside she got angry she was like dude you ask me to come at two , I was here at two you come in later you don't even have the decency to inform that I that you are coming in later and then like you are and you are stranger and you want me to give you the lock to just anyhow go into my brand new house put stuff where it's not supposed to be and then you you can ask me the lock like


like number so she's like no I'm not going to have it deliver today you are going to bring it back I mean she don't want to make things hard for them but I mean like come on you're supposed to, (ppc)


it's so horrible it's horrible service lah then then after that like the following time when she came, they didn't they didn't I think they didn't inform her like oh uh they inform the the people that were delivering, that uh they are supposed to collect payment when she's already made full payment


so like this is like the same experience, same kind of experience twice with this same company even though you outsource you should give proper information what, but you never give proper information, so like you are making things so difficult cause you are telling this outsource company that deliver they're supposed to collect money from the people but they've already paid and then they are like looking and waiting for the money


like as if they're supposed to collect but they don't need to you know, like just do your job properly if you do it one time you don't have to do it again


(ppc)


but why is it so difficult, I don't understand


everything was so I cannot oh and I cannot stand rude, like I went to this place, to eat, uh I went to this place to eat, okay, I'm not going to name this like restaurant because I think they're quite like high established


but like uh what you call it chaos the quality of service was so bad, just because right I can see okay I'm not going to say, like okay I'm not going to say that their's quality of service because I went to this particular outlet


and there's this one particular staff, okay I'm not going to blame the entire company for one poor service they provided by one, , I'm going to say stupid want to say what annoying staff okay, so it's like, I'm ordering, okay like I'm ordering my food and uh I think as a staff it's your responsibility to come and explain to me like if I'm asking a question it's your job to like like slowly explain


to me I know there are other customers around , but because I'm kind of putting my money I'm passing my money to you I'm paying for your service it's your it's you're supposed to come back to me and tell me like and explain to me properly what I need to know, so for example if it's about salads and I want to know like their salads you're supposed to tell me about salads if I'm asking you cause okay this this particular place they had like two options for their salads


you can either get uh a pre-made salad where you just choose all your options they will do it for us particular price or you have to go like a la carte choose salad by and by weight, right so firstly this lady was so rude to me


she was like , she was saying like when I when I asked her to explain she's like oh that one is more expensive, then I'm like, okay then never mind I will choose for this, ya she's like when I I ask that salad bowl she was like oh that one is more expensive


then but she didn't say it she didn't say it nicely she was like oh that one is more expensive I don't know what was going on ah day that day she's just very rude so then after that, I'm like I'm like cause I really didn't understand like how the salad bowl work so I was just genuinely asking cause I'm very curious so then she was like


then so like when I ended up choosing ah sorry I ended up choosing this set particular salad bowl and then she was then I was like eh why I ask I ask her lah why why is it expensive like why is the price more than it should be then she's like ah I already told you it's expensive what


then I'm just like okay, okay maybe it's my fault I didn't like hear properly so I just like let it go or whatever then I can hear her like snickering underneath her breath and talking to one of the colleague she's like, see she don't know how to


uh like talk to her properly like like she's like don't she uh she said something like don't waste your time with this kind of customer, ya like under her breath, ya she was like don't waste your time with this kind of customer she's like you don't take your time to explain to them because you have other customers you need to handle


so I'm just there like, like she I think she think she was soft but I could hear it, you know, and like if if like if you're talking in front of your guest like this, like I can imagine what kind of person you are in general when you are


like serving, like guest you know like, I didn't do anything wrong I'm just asking you properly so that I can clearly see your service yes that service standard is very bad, because like you do not know like I I don't know how how do you get hired


you know, it's ridiculous ya like and and looking and the thing is that when I'm eating you can see them playing their phone, very loudly and they are not doing their job cause at that point of time maybe having customers and they are very they're not like hiding their phones underneath like like places where you most f and b places you know when they want to use it ya


they use their phone right they then they you can hear the sound playing very loudly and everything, so it's like it's horrible lah, so it's


food was their food was I mean the their food was good which is why I don't say that their their product was bad what they were selling is good it's just the customer service which was bad and I think, ya it was just very annoying because like I'm pretty sure if you're


no lah I know it's not but like no cause they'll have other stuff also they have pasta and everything, it's not the salad thing it's because that I love they were selling, so it's like it's just annoying because like if your bosses were there you would do everything in your power to make sure that you are constantly active you'd be cleaning you'd be doing something to make sure like uh you are not like you're looking like you getting paid for doing something


you know what I mean but then why is it when it comes to a customer that comes like why can't you get the same quality of service sometime like you can understand like they're tired or whatever but that doesn't give you a right to be rude, if you are rude then you shouldn't be working there I think the industry isn't made for you you know


cause you're supposed to be giving the same amount of quality and time to every single customer yes it's exhausting but still like you know service !duh!, so if like


this one


(mmhmm) , part two positive experience, okay so vino I got a question for you anyway it's like


you recently have you gone okay recently have you gone out eating like have you went out, oh that's horrible english have you went out to eat, ya


okay so (hmm) have you I mean like good experience with any particular places where you've eaten at, ya like very good like do you is there a specific place where you constantly go to dine at


eh if ya


but this is after you order food or before you order food,


(mmhmm),


cause you constantly go there and eat then


think could be internal also cause I feel like when when your employers eh employees are happy then you're you're working is very good


and then after that like the way you work good and then like obviously it affects you customer service also what, your customers like experience and everything,


like I I mean for me like one of my positive experiences also like I've ever been cause there's this place I don't know if you've heard of it I think I think you've heard of it you know culinaryon, culinaryon


yeah so like like I I had a uh like a team building uh uh event there also I think it was because of , like one of our friends recommended them recommended it to us, so like we we told our bosses about it and I think that's where that's I was I was telling you about it and you told me you went and have good time there also right so like


it's not I mean it's, it's not like uh it's not like uh uh what do you call that, it's not a restaurant


and it's not a very it's it's not a restaurant but they provide food, and they also provide like a very fun experience so they are they are very focused on their customer experience right and their customer satisfaction so it's very good they do a lot of things over there right


ya so like , it's very interesting because , when I went there for my team building event all their hosts were very friendly they were all chirpy there was music music was all blasting it was really good so like you had to do like a whole three course meal and everything like basically team building event is them as us learning how to cook


so the chefs will be there and teaching us and they will teach us how to like eh how to cook like appetisers uh mains and desserts and everything, so like, ya I mean you went there so you know also right


it's very lively, so, yes it's just very interesting like I think my customer experience there was really good like their product was good and


my that was team building so like I told you like we were doing cooking and everything so it's very fun they had all all the bosses do a little I think, uh the food was amazing so like


uh from what I heard like from my HR who planned this event and everything , I mean obviously it's on the uh a bit on the pricier end but if you're thinking about quality they have really good it's good quality, cause like the food is they kind of teach you how to do okay like one of the they have different cuisines that you can learn how to


which is like uh you can have asian cuisine you can have , what do you call that asian cuisine and italian cuisine and stuff right so the one that I did was asian cuisine so they try to teach you how to do asian cuisine so they did like chilli crab pasta and everything


so it it looked really very atas ah , like in terms because like you know they made chilli crab like with a pasta they cause you want to make you want to make your own pasta so you make your own pasta you put a pasta there make your own chilli crab sauce and everything then your crab is on top and then they put this little like flower on the top so it looks very expensive


ya it looks fine dining but it is not but it's like a very casual thing with your friends so I think, like quality standard lah like really it's really very good like the experience really good very exciting, very interesting how how was your wine tasting


ya they it's very


(mmhmm) the hype hype one, ,


no I have not but it sounds very familiar, when you said dead for a moment I thought you are like going to like on it what do you mean dead


oh date I heard dead like D E A D like dead


because my favourite thing


like food places let me think I do I eat a lot actually I eat a lot outside, and no but if I were to think of, uh what you call it like food


recently I've been craving for like jollibee also, it's oh it's so good the chicken there is it's amazing it's bomb, so like


uh spaghetti is very sweet, ya ya they are but their they're I think they the like it's it's a very like I think like what you say like some it's a similar McDonald's in the sense that most times you expect that when you go to a fast food restaurant like they like


attend to you very quickly, right so like it's , ya they attend to you very quickly you don't do a lot of like they are not very smiley and stuff like that but like jollibee I feel like every time I go there they always very smiley even though they have like a huge long crowd


ya but huge crowd, like they always have a queue a long queue outside but I I hate it I hate the waiting time lah okay let's be honest when you're hungry you just, don't like to wait for food, but then like when you go there it's so good like the food is amazing like I think it's not very on the expensive side like it's it's like decently priced


because like fast food like price around, that time you leave full you're not like still hungry when you leave so I think that's the most important thing


if you talking about high top notch gym, like I I had my I had like a like I I got open into this like open night thing and I I wait to see uh virgin active


ya dude virgin active, it is okay it's expensive, it's expensive, but like the the what do you call that their


their gym equipment, is bomb their toilets are amazing, like , I do it's damn good like I I because I went to like I went I went to take a look around the gym okay all their their staff very friendly very enthusiastic very crazy people


okay and then after that I went like when I went to their gym like all their they have like , okay due to COVID right before COVID happen and everything they already started taking like safety procedures so like imagine like at the gym people always sweat and you feel like it's very disgusting to use their


their stuff afterwards but they take their sanitisation thing very seriously so they sanitise after every use and so very clean, and then like it's oh oh my gosh I I think I think the best thing I love about my gym I think is the fact that when you walk in it smells amazing


like don't don't you think like, ya but like can you imagine like walking into a gym and then being warm like welcome to like very good smell


okay I think for that case, I know that virgin active has a certain peak time it has a certain peak time where where like I think uh, it's from three to four or like after afternoon like usually when people after work like all those corporate people after work they'll go and work out over there so it gets very peak period around there but when you go during like


ah sorry it's ah sorry it's usually lunchtime and I I think the after lunchtime and at night, where it gets very packed but during that three to four it's very quiet so I think you just need to see the timing on when you can go but usually people are not free around three or four because that's when they'll be in the office or something like that you know


ya because can you can you think about, expensive it's definitely expensive it's like and probably put a hole in your wallet but if you are like a but if you are like someone


it like if you're talking if you are someone who really takes fitness properly then I think it's something that you should you should definitely put your money towards because you think about it you have lockers in the place, you can put your stuff over there the bathroom you have like soap sand everything


okay they have soaps provided for you then they have like sauna they have like a heat room they have this room called a salt room where you can sit down and enjoy your your area there's like a yoga room it's like a three level, place and then I believe some virgin active they have swimming pool also but I don't know which


like, ya and they have towels they provide towels babe, they provide legit legit they provide towels they provide like they provide clothes also gym like equipments they provide shirt they provide shorts


they have I believe socks also, so like they have I guess they have like ya so they provide stuff like for example if you don't want a carry your stuff there they provide everything to you they're making like gyming accessible for you which is why I think it's expensive cause they're paid they're charging you for quality service and everything else ya their


equipment and everything , they do, different sizes so like they you when you're done you dispose it into like this laundry basket


, and they have always very friendly like when you go to the counter and stuff like I mean from the time where I go I've I've been there like maybe, I didn't pay to use their services lah of course but then cause we went to like view the area and stuff right


so like I've probably been there like once or twice but I took note of everything cause ah it's like when I get the money I want gym here it's like everyone want to get the body, uh like it's really good like my first impression I mean I think that's how you know like a place is good what


no it's like I was thinking of going to like try to get a gym and I've seen like videos I mean you know a place is good when reviews online tells you that it's really good lah but I mean and it's pricey and stuff cause I checking out gyms


and everything at that point of time I was like fitness, (ppc), yeah so, yeah and it's like yeah yeah I I think I think


I think the the smell of the place just sold me ah, ya that was, ya it's really good, and like the people are all very nice and then they have like a a station where you can sit down and get like drinks


like water the refreshments like I think lemon water and everything, and you can get fruits also, oh and yeah yeah exact cause it's a membership what if you pay for it right and then there's like a nap room also


nap nap room, ya it's ya it's really interesting freaking cool (ppc) , because I think my my friend she she she got sold


she got money to afford what so she went and afford like she went and she tells me like like virgin active ones are best thing that ever happen to her, cause like, like spa spa gym


no dude they're not low-key they're quite high-key actually, I think it was just that I I guess people just don't want to spend so much, but I think if they willing lah, they do it's like I feel like it's I feel very exclusive you feel you feel like a princess


yes she thought was cheap it's true it's cheap but it's damn sweet, isn't it ya it, you buy dinner


I think I always got strawberry cause I like the sweet and sour, (ppc) it's like sweet and sour ah strawberry


four dude it's four bucks is like four bucks for bubble tea now


Gongcha uh I think the top brands Gongcha Liho and, and Koi I like Koi cause it's very on a creamy side but depending on my mood sometimes I'll go with Liho, but it's expensive Liho is expensive


I like , buy them that's six bucks (ppc), I want bubble tea now


ya it's quite cool I think Liho fan interesting


part one finance, okay so uh Alwas, how how did you want to invest your money in the future


okay maybe like both okay lah let's talk about now first, no


no uh oh the Instagram the one they do the animation is it, and illustration, oh ya ya ya, (hmm)


for me I want my plan, to actually invest but maybe not now, because I like for the investment now like you must put in like a certain amount of money per month, which I can't do but


uh, I'm I'm trying this like online you know like cryptonite, is it eh no uh the Bitcoin sorry ah yes the the Bitcoins thingy, ya ya so I'm like, mining Bitcoins they're like online you just basically you need mine for like Bitcoins and then like in the future if


it is then in the future the money the value of it can grow or something like that, ya so I think that, uh maybe you can try that it's actually simple lah it's an online thing


, oh ya ya I can send you the invite link then we can get like, more we can mine faster or something ya okay and then


ya in the future I plan to invest actually last time there was this, person that approached me about investing , but then I didn't take it up because it's, uh a lot of commitment for me as a student for now


but in the future I plan to like do you know those like month they have this like plan like different different plans so that I want to invest , then they have like different types of companies that you can invest in there's like the the normal one and then there's like the the the halal one or something ya so I plan to


ya I so I plan to invest in the future lah to make make my money grow


(mmhmm)


ya ya ya ya, I don't know I think, ya because you are still like students, ya and then we don't have like a, a constant inflow of money per month so it's quite hard ya so


so what do you usually spend on, on like I don't know like recently, ya same


ya that's me also, I do like both ya so do you think, oh is it for me I feel like, uh for me is like after


like COVID I don't know like during COVID I spent more on food then after after like COVID I spend more on like retail, ya but, ya like during COVID I spent more on


food then after COVID I spend more on retail, ya like them , ya


oh ya that's true,


I see so like do you think you spend too much


oh okay lah that's not bad, and then uh so like what about, saving for the future like for example like your wedding or something how how do you plan to like save for that


or pay for like your wedding, ya


okay, ya


(mmhmm), (mmhmm), ya that's why, so like I don't know do you plan to just like purely use your


your salary your money or you plan to like , I don't know make your money grow or something, or like even like use credit card


ya actually I think credit card is important when as you grow older because you you probably need it to like play to pay for your big ticket items


or like you know like if I'm not wrong if you use credit card right then you will get like, certain benefits uh in the long run so I don't know as maybe it's just an adult thing or what but I feel like it's useful in the future


like in your ya, it's bad right, like you use credit card means like is bad right


ya, I see,


!wow!, for I probably like like I mention already I want to invest so I like my money grow but I think I will only start investing when I start uh working so like you know I get to sort of like


save save more in a way like let my money grow so to to pay off like for my wedding or what then maybe like for housing there's like , the uhordinary account they can help me pay for uh


for for like housing units or maybe like taking up grants that are available, so ya it has to like kind of reduce the the financial loan for housing


ya ya, ya, ya ya that's why but I'll probably do instalment ah not like when one short pay kind


like I tell you I don't have much money yet, ya, ya I did


really why, oh you mean for like future is it, (ppc)


(mmhmm), oh oh ya that's true


or you don't have cash, like the as in cash as in like for monthly instalment ah


uh !huh!, or like total like (hmm), like combine you and your partner's salary lah is it


(mmhmm), oh


maybe it's just like you know they consider like like cost of living or transportation or whatever so, (mmhmm) ya


ya I heard I don't know I read somewhere that a lot of singaporeans don't actually invest because like they don't have ah enough ah, that don't have the enough means to actually invest because some like us a percentage of their salary goes into like CPF accounts so like they feel like like you know even though you put your money in your CPF right there's certain percentage of interest rate