then china will will report to us and say eh uh you have one guy that left your country within the past fourteen days ah, ah then, so let's say he I'll track back his past fourteen days maybe <mandarin>剩下四天啊剩下四天他:sheng xia si tian a sheng xia si tian ta</mandarin> <mandarin>他他的:ta ta de</mandarin> movement <mandarin>是什么:shi shen me</mandarin> lor


ya, but these are called not those those that those that go to china and then after that subsequently detected right these are not called import case, ya, (uh huh)


ah uh ah ah ah ah ah ah ah ah ah, don't care right ya ya ya, yes, yes, ya so it's possible and then hor we have we we now uh alot of okay I join this uh foreign domestic worker Facebook group mah


so a lot of them right actually they are requesting to hire filipinos, or indonesian maids, not say safer but in singapore we don't have enough helpers cause it's either they they internal transfer or uh they all go home already mah so numbers will keep dropping down so what we need to do is we need to uh import them in mah so <mandarin>我们:wo men</mandarin> once we import them right !wah! most of them Jialat one eh they they are they are COVID positive one lor


ya so okay so <mandarin>那些那些那些:nei xie nei xie nei xie</mandarin> in the Facebook group lah <mandarin>他们就会问:ta men jiu hui wen</mandarin> eh err what will happen or so what what should I do <mandarin>他们讲:ta men jiang</mandarin> [orh] uh when your uh domestic worker come over they have to serve SHN


then after that what they what the what the employer didn't know right is, during the SHN if you Kena, a positive right


ah if you Kena positive, then <mandarin>谁还我不懂谁还:shui hai wo bu dong shei hai</mandarin> eh <mandarin>我不懂是政府还还是我们自己还:wo bu dong shi zheng fu hai hai shi wo men zi ji hai</mandarin> ah, [orh]


then <mandarin>有些是我们的:you xie shi wo men de</mandarin> worker <mandarin>的我们的:de wo men de</mandarin> foreign worker <mandarin>不是:bu shi</mandarin> foreign worker lah <mandarin>就是:jiu shi</mandarin> , err


the family <mandarin>过来:guo lai</mandarin> lor,


!wah!, !hannor! <mandarin>所以我不懂是不是我们:suo yi wo bu dong shi bu shi wo men</mandarin> the government <mandarin>自己:zi ji</mandarin> treat <mandarin>还是那个:hai shi na ge</mandarin> employer <mandarin>要还那个:yao hai na ge</mandarin> treatment <mandarin>的钱:de qian</mandarin> like,


, but <mandarin>也是很难讲:ye shi hen nan jiang</mandarin> okay let's say <mandarin>有做:you zuo</mandarin> right <mandarin>我们有做啦我们好像有做:wo men you zuo la wo men hao xiang you zuo</mandarin> exit swab in singapore <mandarin>你去到其他国家可能你那是后:ni qu dao qi ta guo jia ke neng ni na shi hou</mandarin> exit swab <mandarin>你是:ni shi</mandarin> the start of <mandarin>你的:ni de</mandarin> incubation period leh, ah, then hor <mandarin>有些:you xie</mandarin> hor


uh although <mandarin>他:ta</mandarin> swab as <mandarin>他的:ta de</mandarin> COVID positive ah but <mandarin>他们:ta men</mandarin> have this thing called serology, so <mandarin>有些人:you xie ren</mandarin> hor <mandarin>他:ta</mandarin> COVID positive right but <mandarin>他:ta</mandarin>


legit positive means <mandarin>他有:ta you</mandarin> antibodies Liao, means it's actually at the recovering stage that's what we believe ah I that's a ya that's uh ya that's how I how I understood it you already start to recover so during that time ah <mandarin>你还有那个:ni hai you na ge</mandarin> virus virus inside <mandarin>你但是:ni dan shi</mandarin> you already cannot


cannot spread to people when you're serology positive, the idea is that you cannot spread to people ah <mandarin>很:hen</mandarin> interesting hor


and then uh so so whoever okay so if last time <mandarin>是你:shi ni</mandarin> if <mandarin>你有:ni you</mandarin> <mandarin>现在我:xian zai wo</mandarin> COVID positive mah then <mandarin>你现在跟我讲话对不对:ni xian zai gen wo jiang hua dui bu dui</mandarin> then <mandarin>你就会被:ni jiu hui bei</mandarin> quarantine but <mandarin>后来如果我发现他们:hou lai ru guo wo fa xian ta men</mandarin> check <mandarin>我:wo</mandarin> eh <mandarin>我的:wo de</mandarin> serology positive right I'm not infectious anymore right like eh <mandarin>你的:ni de</mandarin> quarantine order <mandarin>就会被:jiu hui bei</mandarin> uh rescind


ah, so instead of you serving for full fourteen days


ah,


!huh!, !ee!


ah, swab <mandarin>的那些人他们不是穿那个:de nei xie ren ta men bu shi chuan na ge</mandarin> PPE lor <mandarin>他:ta</mandarin> swab <mandarin>你:ni</mandarin> Liao right, then after that <mandarin>他就换:ta jiu huan</mandarin> right


so that's how that's how we think ah, okay okay ya ya ya, uh what if the glove leh


recently


ya interesting speculation <mandarin>这种是叫:zhe zhong shi jiao</mandarin> conspiracy conspiracy theory ah, , <mandarin>不懂啦可能:bu dong la ke neng</mandarin> internally <mandarin>我们在做:wo men zai zuo</mandarin> herd immunity


, [orh] herd immunity there you go, [orh], no they thought they did correctly what I heard ah in the end they fail


ah, so uh quite Shag lah <mandarin>那个:na ge</mandarin> , then <mandarin>现在:xian zai</mandarin> new zealand <mandarin>又有:you you</mandarin> community case, after hundred and two days or something like that so they cannot, cannot stop one


eh but <mandarin>很:hen</mandarin> funny hor <mandarin>这次你就算你中:zhe ci ni jiu suan ni zhong</mandarin> COVID hor there's, there's a research now right say that after ninety days right <mandarin>你你:ni ni</mandarin> immunity lose eh, you lose the immunity, then you will you will <mandarin>中:zhong</mandarin> again


[orh] so <mandarin>我们的:wo men de</mandarin> antibodies after <mandarin>他们:ta men</mandarin> apparently like after <mandarin>九十天:jiu shi tian</mandarin> the antibodies will forget this virus, uh so how the antibodies work <mandarin>好像:hao xiang</mandarin> something like they will remember the code right then <mandarin>他们就会去:ta men jiu hui qu</mandarin> fight the virus using that same code lor


uh so they will they will remember how to attack back right


so after ninety days <mandarin>他们忘记:ta men wang ji</mandarin> Liao , what a forgetful antibodies, don't know


I don't think <mandarin>他:ta</mandarin> mutate lah <mandarin>不懂:bu dong</mandarin> leh <mandarin>所以是这样:suo yi shi zhe yang</mandarin> lor


those people no no so so <mandarin>那些:na xie</mandarin> workers right <mandarin>你:ni</mandarin> just <mandarin>让:rang</mandarin> one group ah <mandarin>中:zhong</mandarin> right then <mandarin>他们就可以:ta men jiu ke yi</mandarin> continuously work for <mandarin>九十天:jiu shi tian</mandarin> then after that <mandarin>九十天:jiu shi tian</mandarin> right then <mandarin>他们就:ta men jiu</mandarin> lose immunity right then ya prepare another <mandarin>九十天:jiu shi tian</mandarin> so you can constantly <mandarin>一直有九十天九十天:yi zhi you jiu shi tian jiu shi tian</mandarin> but the only thing <mandarin>你懂什么吗:ni dong shen me ma</mandarin> what if <mandarin>一个人突然间死掉:yi ge ren tu ran jian si diao</mandarin> !aiyo!


, kazakhstan eh <mandarin>你现在是:ni xian zai shi</mandarin> record <mandarin>多少:duo shao</mandarin> fifteen minute ah, ah <mandarin>对对对:dui dui dui</mandarin> okay


(mmhmm), , ya


, , , three times that okay, but singapore is big leh


singapore is is is a population quite dense what, ah okay, , okay


[orh], , but kazakhstan <mandarin>有地方:you di fang</mandarin> party <mandarin>的:de</mandarin> meh, !huh!, oh, , kazakhstan sounds very backward you know


[orh], ah, ,


, , [orh]


, , [orh] that means they cannot solve some problem and then they give you lah


, [orh] so is eh income as in the insurance income not NTUC income,


, execute ah, , ,


(mmhmm), ,


, , it's a it's a it's a scam lah, , , it's a trick


, , ah,


uh uh ya, you read to me lah I ownself will judge mah,


I don't mind giving yeah, , , ah, calculate


, okay, okay then <mandarin>你有跟他讲了他有没有他会:ni you gen ta jiang le ta you mei you ta hui</mandarin> shock mah


oh, , ,


, sure give you lower one lah, , ,


ah, ah, (hmm)


ah, ya, ya, so you just go there let's say I I'm a user I just, I will just, find the product on my own


(mmhmm), !wah! I don't know I don't know this one, [orh] okay


why is it flop, oh, ah <mandarin>我没有听过:wo mei you ting guo</mandarin> leh, okay


okay, , [orh] so that's the insurance kind of, kind of innovation, or beyond the traditional kind of insurance


oh, [orh], oh ya interesting ya ya, ya ya ya ya ya ya ya so not the not not to promote


the the the the traditional kind of insurance lah, that's beyond that lah, , !wah! interesting, , ,


!wah! okay okay, but I think eight plus is reasonable leh, for this kind of uh innovation thing,


, , , ya lor so I think eight plus is okay leh is within, if, I think I will I will pay you pay somebody eight plus ah, , the product the potential of the product if it's good !wah! it's more than


what I can pay you one what ya, , [orh] you even come you even give them a breakdown of how much, !walao! eh, !wahseh!


ah, oh, !wah! okay leh not bad leh, but zero income ah


[orh], !wah! interesting leh <mandarin>你的:ni de</mandarin> job,


, [orh], be MP ah next time, , , , digress digress


uh, ah, ah,


, , ya it's a negotiation tactic lah


they lower your expectation first lah, , !aiyo! why like that,


okay lah <mandarin>因为我:yin wei wo</mandarin> compare to, then <mandarin>我就觉得:wo jiu jue de</mandarin> okay lah, it's a professional job mah, ya lor


, no no no no so nine right nine <mandarin>是:shi</mandarin> gross lor nine gross take home eight, <mandarin>不然你:bu ran ni</mandarin> gross eight take home seven mah, ya


eh must cover whatever that you are losing the opportunity cost you are losing now mah


, please <mandarin>那时候你:na shi hou ni</mandarin> leave <mandarin>的时候那个:de shi hou na ge</mandarin> equity should be collapsing lah, oh, the company without you is doing well , !wah!


so can invest lah, <mandarin>他没有他没有他有没有放:ta mei you ta mei you ta you mei you fang</mandarin> in <mandarin>那个:na ge</mandarin> stock, as in stock market,


oh, manage <mandarin>你的:ni de</mandarin> stock


ah, so each time is what one hundred dollar, , what other kind of amounts I I make, you put in


he will always tell you that, uh you do ownself do because if I do for you I have to charge you, certain amount is it, , so <mandarin>准:zhun</mandarin> or not <mandarin>他他是不是:ta ta shi bu shi</mandarin> god


no no personally when <mandarin>你觉得他他讲的这些东西有没有:ni jue de ta ta jiang de zhe xie dong xi you mei you</mandarin> make sense and does it really, oh conservative lah


, oh even if we ownself do, he also will <mandarin>赚:zhuan</mandarin> a bit, from there, , ,


, , , , , but every time when you do this type of transaction <mandarin>是多少钱:shi duo shao qian</mandarin> roughly


few thousand ah, , , , so if, if <mandarin>我:wo</mandarin> every month <mandarin>我放:wo fang</mandarin> like


, [orh], !huh! Sibei risky sia


okay, true true, , , what the hell, oh <mandarin>我的我的也是:wo de wo de ye shi</mandarin> leh <mandarin>我的:wo de</mandarin> but <mandarin>我用:wo yong</mandarin> CPF lah


then <mandarin>那时候:na shi hou</mandarin> OA account <mandarin>我拿我:wo na wo</mandarin> take some because <mandarin>那时候他们跟我讲:na shi hou ta men gen wo jiang</mandarin> err you should take out some money so that, before you the house before they wipe out cause, last time is wipe out, no no no so last time they say wipe out mah wipe out OA once you buy a house but I think apparently now HDB change their rule leh they don't wipe out they leave twenty K inside


I think now HDB is make sure you leave twenty K inside last time during my time right is they wipe out until zero dollar and you start, start building again


I know I also thought wipe out leh, oh uh if they leave twenty K right then after that right, because after you have twenty K inside, whatever additional amount <mandarin>你可以用那个:ni ke yi yong na ge</mandarin> amount to continue to invest,


take out twenty K first, then <mandarin>给他:gei ta</mandarin> wipe out so that in the event right that <mandarin>你你有一天:ni ni you yi tian</mandarin> jobless right then <mandarin>你没有钱还:ni mei you qian hai</mandarin> HDB <mandarin>你可以这个:ni ke yi zhe ge</mandarin> amount that <mandarin>你拿出去:ni na chu qu</mandarin> invest <mandarin>的放回去:de fang hui qu</mandarin> OA and then it can continue the service your


house, ah so I think <mandarin>现在:xian zai</mandarin> HDB know about all these and then they purposely put a twenty K inside lor, so that in the event that <mandarin>你真的没有钱:ni zhen de mei you qian</mandarin> in rainy day <mandarin>的时候可以用这个:de shi hou ke yi yong zhe ge</mandarin> twenty K lah but anyway <mandarin>我那时候我拿那个:wo na shi hou wo na na ge</mandarin> twenty K <mandarin>出来:chu lai</mandarin> right <mandarin>现在:xian zai</mandarin> left less than half ah


, less than half ah, damn Jialat, ah, [orh]


, online order,


, I never buy this types of


uncertain stocks ah, ah, , ya ya ya ya ya, , !haiya! <mandarin>因为我要卖我屋子:yin wei wo yao mai wo wu zi</mandarin> Liao then


all will go to CPF mah, then I will run to use more of bank loan than use than wipe out my CPF cause CPF, is err, two point five for a normal OA lah then if it's first twenty K then it's at the five percent mah


higher mah so <mandarin>现在:xian zai</mandarin> bank loan <mandarin>才:cai</mandarin> cause then <mandarin>他才:ta cai</mandarin> one percent staff rate mah, staff bank <mandarin>有:you</mandarin> staff rate <mandarin>的:de</mandarin> one percent, I think but now normal people outside is one point, zero two or one point also very low


, ya correct, and <mandarin>我现在很:wo xian zai hen</mandarin> conservative eh plus <mandarin>我现在做:wo xian zai zuo</mandarin> insurance hor !wah! there's so many endowment plans right


that is attracting cause I'm a very conservative person I don't like to take risk, so this type of plans !wah! it's very interesting for me, low risk low risk, it depends lah <mandarin>他还有另外一个另外一种叫做:ta hai you ling wai yi ge ling wai yi zhong jiao zuo</mandarin> investment but <mandarin>他们有那种:ta men you na zhong</mandarin>


ah investment linked <mandarin>那种是:na zhong shi</mandarin> life, err it's just purely investment then <mandarin>他们有他们的:ta men you ta men de</mandarin> , a team of, finance people, to help you manage the funds lor


ah,


[orh] okay okay, , , , ,


, ya lah true lah but then <mandarin>这种这种:zhe zhong zhe zhong</mandarin> reliable <mandarin>的吗:de ma</mandarin> what if <mandarin>他:ta</mandarin> one day <mandarin>他倒闭:ta dao bi</mandarin> then <mandarin>他把全部的:ta ba quan bu de</mandarin> money just


, , ah,


, , , cause #feng kuang# <mandarin>的很:de hen</mandarin> risky <mandarin>的:de</mandarin> leh then <mandarin>我:wo</mandarin> , then I'm not into it ah then !wah! <mandarin>很:hen</mandarin> Jialat leh


ya, , , ,


, you know that's why I like ah sorry lah, okay lah, !hais! it's so complicated now


, ah when <mandarin>我:wo</mandarin> uh I sell I I I the price that I sold is uh cheaper than the price I bought for a new house lor, okay so the the new house I bought at


eight four five, no never, drop ah, no so okay my next door neighbour sell at seven four zero, I sell at seven two five


buy !huh!, confirm <mandarin>赚的:zhuan de</mandarin> first five years of uh HDB is <mandarin>赚钱:zhuan qian</mandarin> one, five to six years is the after six years then <mandarin>他就:ta jiu</mandarin> drop Liao


new citizen china one lah, ah <mandarin>对他们直可以买:dui ta men zhi ke yi mai</mandarin> resale lor, ah I think so lah, difference oh okay lah so <mandarin>我的:wo de</mandarin> property agent <mandarin>讲是因为他有:jiang shi yin wei ta you</mandarin> renovation and blah blah bullshit lah


yes I also think but anyway it's okay it's still err slightly above average lah I will think because <mandarin>我楼家楼下也是他卖的:wo lou jia lou xia ye shi ta mai de</mandarin> is same property agent <mandarin>因为:yin wei</mandarin> because this property agent was was my neighbour, so he <mandarin>十我是十三楼吗他十一楼的人卖:shi wo shi shi san lou ma ta shi yi lou de ren mai</mandarin> six eighty


so by right every by right the formula is every five thousand with five thousand five thousand for each floor, but I sell at seven two five so it's already more than, ya, and it's like


so the jump quite big, correct lah, it's because of people <mandarin>一直:yi zhi</mandarin> try to, push the price to crazy amount so the currently the highest, in <mandarin>我的这个:wo de zhe ge</mandarin> estate <mandarin>是:shi</mandarin> seven sixty


quite near already lah quite near already lah, plus <mandarin>我又没有什么:wo you mei you shen me</mandarin> reno, , ah, , so it's more expensive, then #tiang yu# they regret <mandarin>他讲为什么用:ta jiang wei shen me yong</mandarin> <mandarin>好像有一点:hao xiang you yi dian</mandarin> overspend


then <mandarin>我讲不是啊:wo jiang bu shi a</mandarin> you're considering considering err, much higher lah much higher


more worth it lor well I think lah I think but but but because it's like your your current house the the house price keep falling down one, keep going down will keep going down one, after my, after my transaction, I if I stay for five years then <mandarin>就会就会就可能会赚:jiu hui jiu hui jiu ke neng hui zhuan</mandarin> profit lah but I'm not going to stay for five year mah I'm going to stay longer


so <mandarin>就看:jiu kan</mandarin> lor, stay lah ah if <mandarin>他可以:ta ke yi</mandarin>


ah so it's not a investment anymore lor, ah, ,


, Walan eh


, ah, , what, so hor, the google map show me uh the other block, the other side lah then <mandarin>我就:wo jiu</mandarin> eh need to walk ah then


oh, , !hannor! <mandarin>很奇怪:hen qi guai</mandarin> leh, !huh!


then I would uh, ah, [orh],


, , [orh] bank loan lor


ya bank loan lor, correct, okay <mandarin>我我有想我:wo wo you xiang wo</mandarin> okay so <mandarin>我们:wo men</mandarin> was compare, comparing because we wanted to buy <mandarin>那个:na ge</mandarin> condo that is opposite Eunos MRT, two bedroom right two plus study lah two bedroom plus study


one point four mil sia, so okay so <mandarin>那个:na ge</mandarin> property agent lah <mandarin>我的:wo de</mandarin> agent trying to psycho us lah, buy that one


so he did even break down like uh you buy one point four mil although you think one point four mil alot right, but all these are bank loan mah you can actually pay monthly back to the bank, but the amount of cash lah that you fork out right, it's not a lot, uh because there's no renovation you needed


of condo all condos are fully furnished, even give you fridge even give you, washing machine


ah ya ya ya okay so to tell you ah to buy condo ah is like that they even do, standard, I think lights no don't have lights


maisonette, the renovation <mandarin>多少吗:duo shao ma</mandarin> it's


Minimumly about hundred k, it's ten times the amount, ah so <mandarin>他讲:ta jiang</mandarin> so you buy the HDB cheap, as compared to condo but you are spending a lot more, for renovation


and then right it will when you want to resell right, the condo can actually earn profits easily, because people will want to buy condos prices don't don't drop so much as compared to HDB, HDB right <mandarin>他:ta</mandarin> after a while, drop <mandarin>很快的因为:hen kuai de yin wei</mandarin> the number of lease years is is getting lesser and lesser


even for let's say you are the buyer lah the next buyer, you will want you would rather stay in a newer place than stay in the HDB ah, so that's his theory, but after that I told Tiang right that, , ya it does sound good ah, but then what's the purpose of us


of, ok lets say <mandarin>我我我住:wo wo wo zhu</mandarin> condo hor, then <mandarin>我住了:wo zhu le</mandarin> condo <mandarin>过后:guo hou</mandarin> then


what's next, which is expensive and it's further away from MRT there's nowhere nearer to MRT already


so if <mandarin>我要我的:wo yao wo de</mandarin> purpose <mandarin>是要:shi yao</mandarin> opposite MRT then <mandarin>我又要道南:wo you yao dao nan</mandarin> then <mandarin>我要赚钱:wo yao zhuan qian</mandarin> cannot cannot do lah, , five hundred plus k


ah, ya ya ya, ya, ya, but <mandarin>他们这种:ta men zhe zhong</mandarin> difference right property agent right <mandarin>他们我我有去看我有去上他们的课:ta men wo wo you qu kan wo you qu shang ta men de ke</mandarin> so <mandarin>他讲这种:ta jiang zhe zhong</mandarin> bank loan right you cannot take it as it's a extra money you should take it as that this is other people's money and you should how <mandarin>每次要用:mei ci yao yong</mandarin> others people money to earn more money


so you borrow people's money right, for bank loan uh HDB loan, but <mandarin>现在我:xian zai wo</mandarin> earn after <mandarin>五年六年:wu nian liu nian</mandarin> seven hundred


ah, , correct correct correct so <mandarin>他们讲你应该用这样的方法来买:ta men jiang ni ying gai yong zhe yang de fang fa lai mai</mandarin> condo then <mandarin>你:ni</mandarin> in the end <mandarin>你还的时候:ni huan de shi hou</mandarin> bank loan <mandarin>的时候你可以还:de shi hou ni ke yi huan</mandarin> lor but <mandarin>你的:ni de</mandarin> returns, the interest rate lah


is higher, ah <mandarin>对:dui</mandarin> lor <mandarin>所以:suo yi</mandarin> lor <mandarin>就是这样:jiu shi zhe yang</mandarin> lor so if your mindset <mandarin>是要:shi yao</mandarin> invest right then you have to keep then you have to keep moving, ah then


ah, correct so so then but then <mandarin>我们现在的:wo men xian zai de</mandarin> criteria <mandarin>是:shi</mandarin> the kids have to study have to settle to one place <mandarin>他可以一直:ta ke yi yi zhi</mandarin> <mandarin>我们可以一直:wo men ke yi yi zhi</mandarin> move lah but ,


ah, correct, so maybe <mandarin>那时候:na shi hou</mandarin> first house should stay in a condo, ah if <mandarin>你那时候有钱啊:ni na shi hou you qian a</mandarin> then


uh buy <mandarin>买买:mai mai</mandarin> resale lor, or you rent a resale lah, okay so <mandarin>我有些说有些朋友他他们:wo you xie shuo you xie peng you ta ta men</mandarin> rent <mandarin>他的:ta de</mandarin> condo then <mandarin>他们又:ta men you</mandarin> rent another condo, some place


, buy resale three bedroom cause <mandarin>那个时候你们刚:na ge shi hou ni men gang</mandarin> married hor


err you can, think you can sell or you can rent ah, !aiya! forget lah shit I forgot how they how they do it lah


commit to the condo then you can rent out something like that lah, ,


cause you the the the the couple, have to, both names have to <mandarin>放在那个:fang zai na ge</mandarin> HDB


so initially <mandarin>以前:yi qian</mandarin> hor <mandarin>是讲说:shi jiang shuo</mandarin> hor <mandarin>你你的:ni ni de</mandarin> HDB right <mandarin>你可以:ni ke yi</mandarin> uh husband ninety nine percent of the own the HDB then the uh wife one percent <mandarin>所以:suo yi</mandarin> <mandarin>他们的:ta men de</mandarin> cpf contribution <mandarin>就是:jiu shi</mandarin> ninety nine percent and one percent, so ninety nine percent one percent so <mandarin>有一天我们有钱:you yi tian wo men you qian</mandarin> hor


ah then <mandarin>我就:wo jiu</mandarin> buy over <mandarin>我的:wo de</mandarin> wife <mandarin>的:de</mandarin> one percent then <mandarin>我们去买另外一件:wo men qu mai ling wai yi jian</mandarin> condo, ah but <mandarin>现在不可以啦:xian zai bu ke yi la</mandarin> HDB knows all these tricks lah, ah and do all this cooling measures so, additional buyer stamp duty of twelve percent is to deter people to have second property


ah, , ah <mandarin>对:dui</mandarin> lor <mandarin>对:dui</mandarin> lor <mandarin>对:dui</mandarin> lor <mandarin>对:dui</mandarin> lor <mandarin>对:dui</mandarin> lor <mandarin>对:dui</mandarin> lor, ah <mandarin>那个就:na ge jiu</mandarin> okay <mandarin>那个就:na ge jiu</mandarin> okay,


, but you have to stay with parents lah, ah, but <mandarin>有孩子不可以:you hai zi bu ke yi</mandarin> lor


oh, ya ya ya ya ya ya, ah


oh, , oh,


loophole ah loophole, ,


, , confirm so first layer right is brother sister


second layer is alumni with membership, it's confirm ya member Liao third layer is alumni without membership, then fourth layer is <mandarin>福建会馆:fu jian hui guan</mandarin> volunteer, fifth layer <mandarin>才是:cai shi</mandarin> err proximity


ah


!huh! <mandarin>南洋:nan yang</mandarin> primary <mandarin>还要做:hai yao zuo</mandarin> volunteer ah, ya, alumni ya, correct, pay, ah


, ya ya ya ya, no so <mandarin>南洋:nan yang</mandarin> is, is hotter than <mandarin>爱同:ai tong</mandarin> lah, so <mandarin>爱同:ai tong</mandarin> don't have this, this layers for alumni lah, ah


!wah! shag sia ah, , , eh but [orh] hokkien, not under <mandarin>南洋:nan yang</mandarin> hor


[orh]


[orh], so <mandarin>你不是南洋:ni bu shi nan yang</mandarin> primary, , ya


, ah ah ah ah ah ah ah ah, , ah


[orh] ah ah ah ah ah ah, [orh], oh


damn lame


ah, ya ya, but <mandarin>我们后来发现到:wo men hou lai fa xian dao</mandarin> maisonette like !wah! the demand very low leh, so this this person right has spent one year plus selling


because nobody okay , it's it's a very niche market, if you are rich enough right, if you are rich enough right you will buy condo, and then if you are not rich enough right you will buy a normal five room HDB lor, in between <mandarin>那个:na ge</mandarin> grey area <mandarin>的:de</mandarin> people like us


, oh, !huh!, no it's cause we don't want to spend so much to buy a condo, and we do not we don't want to ya basically it's money lah money is one of the factor, then we also don't want HDB right because we from five room we go another five room lame leh <mandarin>有一点:you yi dian</mandarin> lame leh


currently is five room, ya, what five room flat ah <mandarin>不是说五个房间:bu shi shuo wu ge fang jian</mandarin> eh


you can have five room, five room is basically living room <mandarin>一个:yi ge</mandarin> study area, two bedroom and one master bedroom, four bedroom, is living room, then don't have the the study area then two bedroom and master bedroom,


two rooms, two bedrooms, then the rest the kitchen kitchen area, kitchen area is a study area, some people can actually build a wall, and become a study area, oh that one is can be a


is all the way until my sofa side leh, one study area so #jie shi# one is a four room <mandarin>他没有那个:ta mei you na ge</mandarin> kitchen, oh <mandarin>他没有我的:ta mei you wo de</mandarin> dining table <mandarin>的那个:de na ge</mandarin> space, a four room <mandarin>没有那个:mei you na ge</mandarin> dining area space


, uh okay so five room, five room go to another five room <mandarin>人家就觉得:ren jia jiu jue de</mandarin> hor [orh] you shift, oh ya, new HDB like that one this the biggest already, I still got balcony leh ah


ya lor, ya, , then, then they will, , ya lor <mandarin>很:hen</mandarin> rare lah <mandarin>很:hen</mandarin> rare lah


usually usually err people with big families, and then big families usually when you have big families right if you plan with your family properly right then, then you will have money to buy condo mah, ah, ya


err two bedroom and one master bedroom <mandarin>楼上:lou shang</mandarin> lor, helping ah living room kitchen ah correct


it is lah it is lah, but it's like the cheaper price lor, no but the price will keep dropping one, cause after fifty years right, actually actually ah ya after fifty years whoever buy, he should be the last or second last owner already


, , so you will you just dump the money and, there's no return one leh


then it's just like buying buying a car, is waste money one, , no then is the same as that time I show you the terrace house lor


the terrace house okay so how, , so basically <mandarin>他们:ta men</mandarin> let's say, !wah! this one need mathematics Liao lah


so basically <mandarin>就是你买的:jiu shi ni mai de</mandarin> so let's say <mandarin>你:ni</mandarin> buy at eight hundred K but if <mandarin>你可以:ni ke yi</mandarin> rent, at, three thousand or even two thousand seven per month, then you just calculate


then <mandarin>你你你你用这个时候:ni ni ni ni yong zhe ge shi hou</mandarin> remaining remaining years until ninety nine years to rent out how much can you earn back, ah,


, , ah, then, okay lor then why don't you just buy a condo studio, studio apartment, ya but you don't need so much when don't need a big size mah


why do you need big size, Shiok, , okay


three room four room okay, okay, no but to <mandarin>打通:da tong</mandarin> is the renovation is expensive, then will be like me hundred k


so that's the living lah that's the living portion lor, !wah! interesting eh okay lor so you see ah there are people who are like you want to buy this kind of thing but it's rare, so same for maisonette


there's people like me, but it's very rare, good deal ah, may or may not be lor depending on the person lor, oh


okay lah not really true, ya but it because <mandarin>他是一个:ta shi yi ge</mandarin> old flat mah, since nineteen eighty five leh


so that is thirty five years you ninety nine minus thirty five years that's only left with sixty four years, sixty four years so let's say I stay another fifteen years, so the next person left with forty nine years


(mm), (mm), (ppo), one hour Liao, we can stop and then we continue (ppl), (ppb) stop [ah] so


ya, it's an english and mandarin ah


ya, ya, and also we both record, but different devices, ya, ah, but <mandarin>你我们不可以一直讲华语:ni wo men bu ke yi yi zhi jiang hua yu</mandarin> must mix english and mandarin


oh <mandarin>会会掺:hui hui can</mandarin> ah but <mandarin>他要:ta yao</mandarin> fifty fifty leh, roughly lah okay, ah


!huh! deadline is tomorrow, [orh], okay lah tonight also no, I hope the room is quiet enough


if you get selected if you get selected <mandarin>不一定会:bu yi ding hui</mandarin> selected, no <mandarin>是就是讲你吃饭啊:shi jiu shi jiang ni chi fan a</mandarin> you put the phone in the middle then you just like normal <mandarin>聊天:liao tian</mandarin> also can, ya


I'm not sure if their target audience is isaac ah, ya, no but we kind of <mandarin>如果我们两个一起讲话:ru guo wo men liang ge yi qi jiang hua</mandarin> like do we need to take turns <mandarin>讲话:jiang hua</mandarin> or <mandarin>可以一起讲因为我们这样的话:ke yi yi qi jiang yin wei wo men zhe yang de hua</mandarin> our voice overlaps


so as long as you can hear both our voices ah, okay okay lor


okay okay, you'll be self concious,


contact tracing, oh ya <mandarin>还有还有:hai you hai you</mandarin> okay so when we record ah, uh


okay, in the news leh sixty one but <mandarin>那个是:na ge shi</mandarin> hor <mandarin>因为:yin wei</mandarin> national day reduce that's the number okay okay, good good answer good answer


so it will go up ah, [orh] okay okay okay can can can


because of, [orh] oh so they identify the dangerous country ah, [orh]


ah, in the hotel


oh, actually it makes sense lah, in a way uh


they


have a opportunity in korea then <mandarin>就送就想可以送我去:jiu song jiu xiang ke yi song wo qu</mandarin> ya I go to korea to set up a a company lah then, ongoing ongoing so if if I had agreed I think I may be in korea now no so the thing is that they plan <mandarin>好好:hao hao</mandarin> so korea side <mandarin>也是不错:ye shi bu cuo</mandarin> they will plan right


your there you need to quarantine fourteen days they provide accomodations for you and then they will send you all that lah, ya <mandarin>我会是觉得我会想:wo hui shi jue de wo hui xiang</mandarin> eh what is our local policy because korea side they are very clear <mandarin>那个:na ge</mandarin> organiser <mandarin>是:shi</mandarin> korea


only when I come back lah then <mandarin>离开是:li kai shi</mandarin> just do swab test <mandarin>就可以走:jiu ke yi zou</mandarin> Liao, [orh]


ah, no but the memo was from months ago, [orh] okay mah


[orh] then okay lah


but then another thing uh, [orh], ya ya ya ya ya, uh incubation period incubation period ya


ya ya, no so another thing I realise is


and I don't, check so properly, not my Daiji leh actually they don't really need to care, they care about people coming in more than going out <mandarin>对所以你你就算你中:dui suo yi ni ni jiu suan ni zhong</mandarin> they don't care mah,


ya, [orh], contact tracing lah, [orh]


no no what I mean by import case <mandarin>什么:shen me</mandarin> leh <mandarin>你看啊:ni kan a</mandarin> if every country they know that


check very closely <mandarin>你进来我:ni jin lai wo</mandarin> check, [orh] that's the problem lah


safer ah, [orh] okay okay,


Jialat as in what, !huh! !huh! what


if you Kena okay, okay then, , !wah! <mandarin>这样很:zhe yang hen</mandarin> lame eh, !wah!


no, uh uh different lah skilled what EP ah employment pass ya, ya, [orh] so <mandarin>你看啊这个:ni kan a zhe ge</mandarin> domestic worker case hor


ya no but then <mandarin>那是:na shi</mandarin> more like, indonesia or filipino side <mandarin>他们:ta men</mandarin> don't


okay


, what's that no, oh, oh


okay, ya


okay okay, delegate so much resources to protect


oh, [orh] okay okay okay, ya, oh !wah!


okay okay, but <mandarin>不是两个都要做:bu shi liang ge dou yao zuo</mandarin> meh


I'd rather <mandarin>抽血:chou xue</mandarin> than swab eh, ya <mandarin>那个:na ge</mandarin> okay <mandarin>痛一下:tong yi xia</mandarin> then okay Liao but <mandarin>那个:na ge</mandarin> !wah! I cannot leh


ya lah no lah but , no no no but


!wah! then <mandarin>这样不是很:zhe yang bu shi hen</mandarin> stupid they're like,


ya ya, disclaimer this is uh, !wah! but <mandarin>如果:ru guo</mandarin> is true ah


ya <mandarin>那个:na ge</mandarin> doesn't make sense, no no okay it can make sense if you do it correctly lah <mandarin>好像他们讲:hao xiang ta men jiang</mandarin> iceland hor <mandarin>谁:shui</mandarin> do correctly right, or sweden ah I don't know, okay okay okay


ya, ya but, no I think this is a norm lah just, it will come up every now and then lor just <mandarin>只要没有:zhi yao mei you</mandarin> outbreak


ya, ah, that mean <mandarin>你:ni</mandarin> uh that means they are really


counting on the vaccine lah <mandarin>如果没有:ru guo mei you</mandarin> have vaccine it it will always be like that


something, like that lah then mean no no that means the antibodies they will, in a way they will know how to identify and then, generate the right, the white blood cells to go and attack it or what lah actually <mandarin>我忘记:wo wang ji</mandarin> Liao


so then now is like they will forget lah, [orh], no lah but it's it's because the virus itself is


but, but <mandarin>我也是很:wo ye shi hen</mandarin> Sian lah it will always be like that, ya


that is herd immunity already that's the herd immunity theory eh, [orh]


ya that's, make people <mandarin>中:zhong</mandarin> to take turns <mandarin>这样:zhe yang</mandarin> ya doesn't make sense lah


work in kazakhstan eh, ah, fifteen thirty, we around same time ah, [orh] <mandarin>没有他他有:mei you ta ta you</mandarin> in the background record


, they have low population density, no crowd <mandarin>就不会:jiu bu hui</mandarin> spread mah, right, but so, my friend he in kazakhstan <mandarin>他讲:ta jiang</mandarin> kazakhstan got another outbreak


it is the I think ninth biggest country in the world, its population is only three times that of singapore, ya but it's the ninth biggest country lah, !huh!, uh correct no because because our population is dense but we are a small dot


for kazakhstan the ninth biggest country in the world though the population is only three times even though the land is don't know how many times much bigger lah <mandarin>对不对所以:dui bu dui suo yi</mandarin> they are actually population density is very low, but they have an outbreak


a key factor, is enforcement because <mandarin>因为你你的:yin wei ni ni de</mandarin> density on on their land <mandarin>越大:yue da</mandarin> hor, uh is harder to enforce, ya <mandarin>所以:suo yi</mandarin> you


like kazakhstan <mandarin>他讲很多人:ta jiang hen duo ren</mandarin> right the the like the taxi driver ah you can, they will ask you eh you pay me extra right, I bring you, somewhere to dodge the check ah or to go somewhere to party, ya I know the location, ya


backward lah no <mandarin>所以:suo yi</mandarin> because it's so big right, no but <mandarin>他们有那种:ta men you na zhong</mandarin> Ulu <mandarin>的地方:de di fang</mandarin> right where they will have those like


ya then, because it's very far from the main city, so also very hard to catch, and then like the young people will go there and gather and hold their parties, ya, I think these are also places where outbreak happen lah then they will bring it home and then <mandarin>就:jiu</mandarin> spread then they cannot trace


I think the the how the government handle is a key factor lor, ya


, I mean <mandarin>我:wo</mandarin> interview <mandarin>一个几个地方啦:yi ge ji ge di fang la</mandarin> then, err recently


and the task right, is they give me one week deadline ah, then <mandarin>我看:wo kan</mandarin> hor is basically doing the work of the interviewer, ya, no so that one say okay come up with a new insurance plan that with this


execute and, say they come up with this, then <mandarin>他是讲:ta shi jiang</mandarin> okay you can pick any insurance you want, then uh you just talk about how you're gonna get five thousand users in three months


then talk about how your scale up plan all that lah, I <mandarin>因为我:yin wei wo</mandarin> in in my head I was already like, this is your job lah


they arrange an interview for me to go through like that, then based on the feedback, I knew, I did well lah <mandarin>我是讲:wo shi jiang</mandarin> I I knew I differentiated <mandarin>因为他也是他也:yin wei ta ye shi ta ye</mandarin> share <mandarin>讲:jiang</mandarin> [orh], some other the other candidate submitted, uh very conventional kind of insurance I was the only one who came up with something that is like totally never nobody has ever done before and it was very detailed lah even to about how to


how to scale how to scale this up what are the risk factors what are the, other info I need to find out and all that, and then, ready to go lah then <mandarin>他讲:ta jiang</mandarin> if you get this job, there's a chance, uh, you will be assigned to just execute your own plan


ya, no <mandarin>所以:suo yi</mandarin> HR supposed to offer <mandarin>我:wo</mandarin> but now the, now the thing is no, then get HR to get in touch with me and the


kind of thing they say right make me, quite certain ninety percent certain it it is to prepare the offer for me, but now one of the thing is they asking for my, uh previous salary, ya


ya, not say scam but, it's a, josephine Teo <mandarin>也讲:ye jiang</mandarin> don't need to, don't need to provide <mandarin>所以我就我就跟他我就:suo yi wo jiu wo jiu gen ta wo jiu</mandarin> push back <mandarin>讲:jiang</mandarin> eh ah this info I don't need to provide


ya lor, in the end, she explained <mandarin>那个:na ge</mandarin> director of HR <mandarin>就:jiu</mandarin> explain <mandarin>你们讲:ni men jiang</mandarin> [orh] so, err, no <mandarin>我就:wo jiu</mandarin> reply email <mandarin>讲:jiang</mandarin> oh I thought this is a very simple clarification call uh but seems like the director of HR is involved there may be other things that you want to discuss


maybe you let me know so I can prepare then the director HR reply <mandarin>讲:jiang</mandarin> [orh] no okay, , I just know that there's this call so I just thought I would, pop in to, to join lah right but <mandarin>他讲:ta jiang</mandarin> eh actually you're right err there's no need to, uh share


salary data, uh but it will help us to ensure that whatever offer we give is a fair one and we don't disadvantage you, no but, uh I was paid half in salary half in equity mah <mandarin>对不对:dui bu dui</mandarin> so the equity component ah


if, there is no clear way to, calculate, if you go by valuation then you multiply by percentage and divide by number of months right, my salary is at twenty K bro something like that, alright but, valuation <mandarin>是:shi</mandarin> valuation if you don't sell your company it's just like an estimated value of the company


it's not money <mandarin>所以讲如果我现在卖这个:suo yi jiang ru guo wo xian zai mai zhe ge</mandarin> equity is I cannot get, twenty K per month mah, so I'm going to reply this lah so I'm gonna show the workings like okay, I'm paid in equity, based on my last valuation it's this amount


right so my salary was twenty plus k, you want to use this formula ya if not okay if you only look at my salary component is this amount but it's definitely much lower than market lah, right because it's balanced by the equity mah, no <mandarin>所以可以:suo yi ke yi</mandarin> they give lower then I just reject them lor because I also make it clear I have my other options lah


okay actually the rest haven't, give offer but, , no but actually, if you feel that, you want this candidate, and you also already know that the job scope is this


ya, no, come up with digital programs <mandarin>因为现在:yin wei xian zai</mandarin> okay, whatever you know lah, but now they are, starting up a new digital thing to sell


insurance digitally, ya, , no no so so it's like okay you know <mandarin>那个以前:na ge yi qian</mandarin> Grab <mandarin>不是有一个:bu shi you yi ge</mandarin> rain insurance


then if you have the insurance right they you can pay, normal price, that means the insurance will cover your surge pricing, it was a flop lah as in okay, uh


ya <mandarin>所以:suo yi</mandarin> ya that's why it was a flop lah, but, they are they the the team seems quite proud of it they say oh we came up with the first rain insurance in singapore, ya, but I mean tomorrow I mean they didn't never mentioned the number of users <mandarin>很少啦:hen shao la</mandarin> but, so it's that kind of thing lor where you


they create something that people can just like okay for example you book a Grab, then you, ya ya ya so, correct so their they this team right is supposed to think of new ways


to use, a digital way of of selling insurance, ya which will mean new products, ya


ya that's why <mandarin>我:wo</mandarin> ah <mandarin>我我:wo wo</mandarin> open to <mandarin>做:zuo</mandarin> lor then, eight plus eight plus per month, but now that I go and do my research on my you know and my sensing lah


I don't know lah, I, if they ask me what's my expected I'll just tell them eight plus, ya


it's okay <mandarin>因为:yin wei</mandarin> okay <mandarin>所以我有问我的:suo yi wo you wen wo de</mandarin> friend, in another company, doing err, sort of digital innovation related, job, ya


to come up with a new product ah, ya, ya, somemore my plan right will I submitted is guaranteed at least fifty plus K recurring


per month ah if he succeeds, this is the projection then these are the targets for next few months and by end of three months this is the revenue, ya <mandarin>所以:suo yi</mandarin> the level of detail lah


!huh!, foundation ah to they invest in social


, okay lah I think Temasek quite, they will they know that <mandarin>我做很多那种:wo zuo hen duo na zhong</mandarin> volunteering mah so I'm quite involved in the community space <mandarin>所以有一些:suo yi you yi xie</mandarin> job is


no lah different, no but <mandarin>他是很多人讲:ta shi hen duo ren jiang</mandarin> , no different right I I don't want that kind of public scrutiny, this job is, involved in community but it's not social work


that means things like you, uh make decisions on what NGO or what charity to, uh invest in, ya, investment company then <mandarin>他们的那些:ta men de nei xie</mandarin> partners hor, they <mandarin>赚够钱:zhuan gou qian</mandarin> Liao then they want to do


some charity so they each set aside some of their money to set up a foundation to do, charity, but now they need somebody to run it, like so they want to hire somebody to to, to manage that lor, so that's one option that I'm interviewing for


but <mandarin>为我我很:wei wo wo hen</mandarin> Dulan <mandarin>的是:de shi</mandarin> okay <mandarin>哪里:na li</mandarin> Dulan lah but, a few interviews, viewers <mandarin>很:hen</mandarin> very early they tell me, [orh] we don't pay well, right <mandarin>就讲:jiu jiang</mandarin> they will I think it's a negotiation tactic they will tell you [orh] actually uh just to let you know we don't pay well


including Temasek I'm like thinking you are Temasek lah you're telling me you don't pay well, ya, but okay lor, eight lah <mandarin>所以你讲到:suo yi ni jiang dao</mandarin> eight <mandarin>很像:hen xiang</mandarin> reasonable should I just ask for nine


ya compared to my spring pay I is definitely must be higher than spring because I I had all this experience in between that is much higher, ya maybe I should ask for nine ah, , !huh! !huh!


[orh], ya ya ya, ya ya ya ya good idea good idea


okay okay I'll do that, ya, must cover my, the equity value their losing eh, which is now twenty K per


because the company is doing well, then ya next round investment at least ten mil valuation Liao, if you want ah


it won't be so soon lah


ya, oh, when he sees a something that he may want to recommend <mandarin>他就:ta jiu</mandarin> message <mandarin>我这样:wo zhe yang</mandarin> [orh] do you want to consider like OCBC


no it depends on person one <mandarin>所以:suo yi</mandarin> at first he observe, what are the kind of amounts I I make, I put in then, after a while he will like okay I observe


OCBC now at this price, previous price was this so it looks like a good price


because I think okay, the way that he, really, ya, he will <mandarin>赚:zhuan</mandarin> just that he will <mandarin>赚:zhuan</mandarin> more if he you ask him to do for you because he will have to charge service charge lah


but, normally okay so the way he earn is every transaction, he will get a certain percentage of that amount of money, today you buy OCBC, then one week later okay sell this OCBC for a small profit then a few days later eh OCBC just drop you buy again


ya, it, few thousand ah, but I want to stop already <mandarin>以前因为以前:yi qian yin wei yi qian</mandarin> I have a stable income I can do do like


four thousand around there, but now <mandarin>我我:wo wo</mandarin> I cannot, , no but okay it depends on how you manage your like for me right, all my savings I


if normally stock market will do better than bank interest rate


but it's still okay ya, [orh], ya


transfer to SA lah, ah, okay, !huh! you mean you can choose or they will make sure you leave twenty


(hmm), I thought I oh I always thought is wipe out one leh no but what's wrong with wiping out


but for me wait if, after I buy a house right, I will transfer the rest of my money into SA if there if there's any left


okay no as in ya, okay


[orh] because of stocks ah, no so the only people who <mandarin>赚:zhuan</mandarin> right are people who for example they buy Zoom, stocks before, or they buy healthcare some industries do well like [orh], or like Amazon I think do very well <mandarin>因为很多人买:yin wei hen duo ren mai</mandarin> online order


[orh], ya I think now #feng kuang# is just saying, just don't touch, ya no he just say don't touch and go and <mandarin>赚钱啊:zhuan qian a</mandarin> that's ah !huh! accumulate money first and


ya, ah, [orh]


oh, oh then it make sense


you pay for your down payment in cash, because your CPF interest rate will definitely be higher than bank interest rate, ya


[orh], but endowment is risk free meh as in low risk meh, [orh], investment link


[orh] okay okay


ah okay <mandarin>所以:suo yi</mandarin> if you ever want to use you let me know I got promo code then we have, no don't need to pay service charge for one year, no so what it does right I think, the, the the way they work is they use machine learning or what, to make investment decision for you and they invest like worldwide <mandarin>所以:suo yi</mandarin> they diversify across countries


then they will just auto help you invest if you have any dividend they will reinvest for you


no, so far okay, ya


they have even, commodities like gold, so far <mandarin>我本来是:wo ben lai shi</mandarin> try <mandarin>因为我:yin wei wo</mandarin> friend <mandarin>他有那个:ta you na ge</mandarin> promo code <mandarin>我就讲:wo jiu jiang</mandarin> okay lah I use lor for free for awhile so I put in a small amount and the returns was higher, out perform the #feng kuang# side


then I I start to put more money there, oh, when <mandarin>因为现在都在亏啦:yin wei xian zai dou zai kui la</mandarin> when economy improve <mandarin>然后我可以卖的时候:ran hou wo ke yi mai de shi hou</mandarin> I will


sell off more of that side, and then put more into my, they have a team of people I don't know lah they I don't know how they do it but they make investment decision for you, so you just you can


adjust lor you want, more risk or, less risk, ah and or any parameters then they will go by what you, prefer and invest for you, ya that's why I like ah that's why lah, ya


, , eh but <mandarin>你买你现在你买这个家:ni mai ni xian zai ni mai zhe ge jia</mandarin> hor, your old house


ya, no but your old house did the value drop, or increase, oh, [orh]


[orh] then okay lah, when you buy <mandarin>到现在:dao xian zai</mandarin> ya, [orh], true true true


[orh] no wonder, !wah! but <mandarin>你:ni</mandarin> confirm <mandarin>你有:ni you</mandarin> label <mandarin>你:ni</mandarin> quit <mandarin>你这个:ni zhe ge</mandarin> difference


okay lah I think your property agent didn't do a good job, ya, [orh] then okay, ya


oh, ya, ya, [orh] [orh] [orh] [orh], okay lor


okay <mandarin>所以:suo yi</mandarin> ah, ya lah, oh then it's it's quite near your ya so okay I think it's okay


okay eh quite nice what your, then <mandarin>你买一个:ni mai yi ge</mandarin> resale right <mandarin>这是:zhe shi</mandarin> resale, ya definitely more expensive


no but okay in terms of the square foot how much higher, much higher than the current, is more worth it what


after this after this, mark ah, [orh], ya ya ya


but it's okay lah that means actually you are prepared to just stay in, in this one for the long term ah, no but I mean if you are prepared to stay there for very long time like


ya, worth nothing


err <mandarin>有:you</mandarin> hit one mil plus like that, across the road lah, ya


err <mandarin>里比较远的:li bi jiao yuan de</mandarin> carpark, all is sheltered all the way, but, ya, ah


ya no so is you have to choose lah the nearer carpark has no shelter the sheltered carpark need to walk, ah, then, err


ya, [orh] ya because rented car, or two hours <mandarin>而已:er yi</mandarin> then summon is Heng Suay one lah but at night maybe better lor, ya, weather I think was afternoon or what lah


but okay lor that that is the nearest carpark, your difference of hundred plus <mandarin>你:ni</mandarin> your savings to food ah, your, ya


oh ya ya ya ya you mentioned with preferential rate , oh


not worth it lah, to buy that one ah, ya


ya, okay


so no <mandarin>所以那个:suo yi na ge</mandarin> condo is what fully furnish or, [orh] okay okay, clearly I don't know this lah I've never I've never been in the game ya


oh, oh,


ya, !wow!


, which is very expensive, ya


no <mandarin>而且:er qie</mandarin> and the actually the the difference ah is significant eh, is five hundred plus K eh, one one point four versus eight hundred K is is about five hundred plus K eh, so actually even if the, if you consider the renovation or whatever ah


is alot more expensive eh


no so I I know what you mean is like leveraging that means you borrow money to invest in something that is a higher returns then the one lah ya


, but it's also, dependant on, whether you want to buy a house to invest or to live eh, ya, then make sense, ya correct and then each time you have to move house eh is also uh something to consider


, right that's more usual <mandarin>所以:suo yi</mandarin> in your case let's say you want to buy a


you should stay the HDB, buy a condo and rent out to a expat, ya, no but <mandarin>你你你不可以买:ni ni ni bu ke yi mai</mandarin> HDB after that mah, oh ya


buy the house you want to, to invest, and rent the house you want to stay, ya


, wisdom, ya but <mandarin>不要想这样多:bu yao xiang zhe yang duo</mandarin> ya


ah, and then you upgrade to a bigger house, no so actually it's not to late for you <mandarin>所以:suo yi</mandarin> okay say you buy into this maisonette you just prepare to live there for a long time


if you have extra money after that, you buy a condo, you buy the condo to rent, that means your condo is purely investment


[orh]


, , [orh]


, ya, ya <mandarin>所以那个就:suo yi na ge jiu</mandarin> okay, ya, but <mandarin>我还是觉得:wo hai shi jue de</mandarin> !wah!, so many of my friends are rich enough, to start doing this kind of thing already


the teachers stay in the school hostel, but they own properties to rent, ya lah


so each floor will have one teacher in charge, it's a very big room where the whole family will live there, so, and their I think they live rent free or very cheap rent but part of the responsibility in return ah they will take care of the floor


ya which is actually very easy for the teacher lah so got any Daiji the the students come and find you, ya <mandarin>所以:suo yi</mandarin> like <mandarin>我的:wo de</mandarin> CEO in my startup, his , mother, so he grew up in the hostel, ya


ya because they live cheap rent on the hostel in the hostel, ya, it's a good way to to


to invest money lah, not not really say loophole because, in a way they are renting so it's like the theory I say lor you rent where you want to stay but then you, you buy where you want to invest, ah, so they have successfully done that lah, ya


like <mandarin>你你买那个:ni ni mai na ge</mandarin> #sin ming# area, alumni <mandarin>就:jiu</mandarin> hundred percent meh


oh ya, oh, easy lah


, to, join the <mandarin>校友会:xiao you hui</mandarin> right, they need to volunteer or or, to volunteer you need to join <mandarin>校会:xiao hui</mandarin> one of the other, alumni lor, no no no uh <mandarin>南洋:nan yang</mandarin> primary


because we we used to study in <mandarin>南洋:nan yang</mandarin> primary so we are considered alumni but you're not by default alumni you need to, apply, to be a membership then after that membership they will brief you, and then you have to sign up for volunteering, , ya


what she said is there are different layers eh that means you only do one thing like you only join alumni or you only volunteer, ah, is, ya I think so, ya


because I need to volunteer then you volunteer for what, alumni


ah <mandarin>南洋:nan yang</mandarin> not under hokkien ya lah, but actually <mandarin>是因为我的我的:shi yin wei wo de wo de</mandarin> relatives <mandarin>很多培群所以也是:hen duo pei qun suo yi ye shi</mandarin> by alumni


so my hainanese relatives, no I was <mandarin>培群:pei qun</mandarin> in primary one then primary two okay so the thing is primary one hor, afternoon session


I <mandarin>我每次:wo mei ci</mandarin> like four five AM <mandarin>要起来:yao qi lai</mandarin> eh, then my parents <mandarin>讲:jiang</mandarin> this is unhealthy, because I furthest from the school <mandarin>所以讲:suo yi jiang</mandarin> we need to find a nearer school


then secondly <mandarin>我培群:wo pei qun</mandarin> primary my grades were good, so I think <mandarin>有:you</mandarin> help a bit lah


is wake up too early , ya, then <mandarin>就是这样:jiu shi zhe yang</mandarin> lor, no it's important eh


ya, ya, ya


but do you know what's the reason is low, ya


why do you prefer maisonette, why do you prefer maisonette, okay, okay


you're currently five room meh, which five rooms


oh, but your house


is one master bedroom, two, where's your study area, !huh!, but your kitchen not say very big what


that one considered one study area


!wah! that's a bit, a bit lame ah , !wah! I didn't realise, !wah! five room is very small for a five room eh, because new HDB are all like that ah, !wah!, ya


I think I shall buy a resale err old flat resale, more worth it, !wah!, maisonette cause I always thought like maisonette like, , people who, want to <mandarin>住两层楼那种洋:zhu liang ceng lou na zhong yang</mandarin> like <mandarin>洋房:yang fang</mandarin> feeling mah right, then they will buy a maisonette


[orh], no ah <mandarin>所以你的:suo yi ni de</mandarin> maisonette <mandarin>有:you</mandarin> how many rooms, helper room living room kitchen, [orh]


hor, but it feels Shiok what


so, the next flat I buy right I'm prepared to die there one, so I don't need to worry so much about the appreciation value and investment and all that, ya cause I'm prepared to die inside what so uh <mandarin>所以我在想:suo yi wo zai xiang</mandarin> actually it this actually is an advantage


ya no no but then it also means what leh those kind of houses that other people won't want to buy, I go in, because demand is low I will buy it for cheaper that means I can buy a big house at a low price


which one


no but what what what is it related then <mandarin>我大概懂就可以:wo da gai dong jiu ke yi</mandarin> Liao, ah,


[orh] okay, understand, but, you see ah but is let's say my my scenario I I just use it, for purely for living, on my own, until I die, actually I don't worry about anything


because a condo will be smaller in size than, resale, Shiok ah, no but I don't want too, don't you feel is damn Shiok like, ya correct


no <mandarin>所以:suo yi</mandarin> okay let's say I buy a three room or a four room, I, then I get a one big room


okay lor hundred K lor so be it, no look if I'm going to just buy one house and die in it right then , no but I need I need to <mandarin>存钱啦:cun qian la</mandarin> now I don't have enough money, ya that means I don't think of investment,


but I means you can get a good deal lah, cause the demand is low, no when I say good deal it's like that means like for the per square feet


is considered low because the demand is low, is it correct, like your current process rate is lower than your old flat than your current house


how how many years, ya


so actually I'm I'm quite okay leh okay let's say let's say okay let's say I I I die at ninety years old lah, now I'm, okay let's say ninety two, ya


okay, , this is, ya <mandarin>所以那个:suo yi na ge</mandarin> Tinder hor, , , because <mandarin>她怎么讲:ta zen me jiang</mandarin> ah


okay <mandarin>这个:zhe ge</mandarin> app <mandarin>可以:ke yi</mandarin> !aiya! it'll it will record when I close the app so, as in like when I when I <mandarin>去:qu</mandarin> home lah <mandarin>我去的时候:wo qu de shi hou</mandarin> home <mandarin>它也是会造:ta ye shi hui zao</mandarin> record, okay


I need to look at my Tinder to recall <mandarin>这个:zhe ge</mandarin> moment


okay okay, !wah! Cao <mandarin>我被:wo bei</mandarin> scammed sia <mandarin>我被:wo bei</mandarin> Tinder scam


normal the boost <mandarin>它只:ta zhi</mandarin> like ten times ah, ten times more ya with other <mandarin>对:dui</mandarin> lah


is something that err hundred times max your profile


price how much, normal boost, err <mandarin>大概五块这样三块到五块:da gai wu kuai zhe yang san kuai dao wu kuai</mandarin> depends on <mandarin>你买几个:ni mai ji ge</mandarin> boost but superboost <mandarin>三个小时:san ge xiao shi</mandarin> three hours


but then, I'm tempted by the results so fuck, I just buy, then I buy


ah <mandarin>没有:mei you</mandarin> is one time only, one time only okay so far recording <mandarin>都没有那个:dou mei you na ge</mandarin> red line so our volume is good, two minutes thirty seconds in very good okay continue our conversation so


ah <mandarin>对所以我就:dui suo yi wo jiu</mandarin> buy the superboost, who like me, China one all the fake Bohgao


Bohgao ah, !hanna!, yes yes yes, yes, yes so, ya all the fake profiles like like like like like


plus all the, more curvy one lah to say in better terms <mandarin>比较有肉的那种:bi jiao you rou de na zhong</mandarin> so, err ya lah so <mandarin>最后这个:zui hou zhe ge</mandarin> super boost


err real profiles ya


okay, so


how long is, how big <mandarin>你多大:ni duo da</mandarin> then <mandarin>就没有:jiu mei you</mandarin> reply Liao just blue tick Liao so <mandarin>这个我:zhe ge wo</mandarin> Sua Liao okay <mandarin>一个一个讲我刚才不是讲:yi ge yi ge jiang wo gang cai bu shi jiang</mandarin> I I talk about err


, err, say before already lah nerissa, err [orh] <mandarin>没有:mei you</mandarin> reply


then, ah <mandarin>对:dui</mandarin> so, the the thing is <mandarin>一个:yi ge</mandarin> okay <mandarin>都没有那个:dou mei you na ge</mandarin> at the end


, (hmm) <mandarin>这个对对对:zhe ge dui dui dui</mandarin> not really over


ah, sorry <mandarin>我讲错这个我:wo jiang cuo zhe ge wo</mandarin> KIV <mandarin>这个我:zhe ge wo</mandarin> KIV stay cool cool cool put aside two weeks later I'll text her again, maybe you try to IG story <mandarin>会比较清楚:hui bi jiao qing chu</mandarin> so okay number one


number two teenage girl Yiqing mah,


I won the war, !wah! throw, actually, actually, [orh] then monday <mandarin>我不是约她:wo bu shi yue ta</mandarin> Liao lor monday, national day off in lieu Kao


so, Yiqing you want me to pick you up, [orh] <mandarin>你要我在一个地方等就是:ni yao wo zai yi ge di fang deng jiu shi</mandarin> either <mandarin>就是去:jiu shi qu</mandarin> Kimage or


, eh, so ah sorry ah I forget tell you


today is


I think lah <mandarin>等一下我会跟你讲后面:deng yi xia wo hui gen ni jiang hou mian</mandarin> okay okay lah <mandarin>玩我就不知道:wan wo jiu bu zhi dao</mandarin> maybe <mandarin>是:shi</mandarin> innocent or maybe is shy give her the benefit of the doubt lah so continuing on


then I <mandarin>就:jiu</mandarin> !wah! okay <mandarin>不用紧:bu yong jin</mandarin> then <mandarin>我们:wo men</mandarin> reschedule lah schedule so


oh err we still can catch dinner what, ah then I I just come over <mandarin>你:ni</mandarin> Woodlands <mandarin>那边:na bian</mandarin> then <mandarin>我们去吃顿饭:wo men qu chi dun fan</mandarin> lah


I I'm having dinner with my


so okay but <mandarin>我没有讲出来先我就:wo mei you jiang chu lai xian wo jiu</mandarin> !wah! okay !aiya! never mind lah, if enlistment important then you go eat with him first, we reschedule


then, ah <mandarin>她就讲:ta jiu jiang</mandarin> don't know if I don't know if can or not <mandarin>星期三:xing qi san</mandarin> then <mandarin>我就:wo jiu</mandarin> okay, set calendar park <mandarin>除非你当天你有:chu fei ni dang tian ni you</mandarin> emergency


okay emergency Sua <mandarin>我们再:wo men zai</mandarin> reschedule [loh], then


you can say no then laughing emoji no pressure <mandarin>的给她不要不要太:de gei ta bu yao bu yao tai</mandarin> stress what happened


busy lor tuesday


purple colour friend hair purple colour, then <mandarin>我去看:wo qu kan</mandarin> Liao !wah!, , cheeky flamboyant more cheeky Angmoh


<mandarin>我就直接:wo jiu zhi jie</mandarin> reply <mandarin>她的:ta de</mandarin> story <mandarin>我就讲:wo jiu jiang</mandarin> err !wah!


Kao this one more flamboyant than me


correct, not interested


I either <mandarin>就是太:jiu shi tai</mandarin> shy, not interested but not interested, , starting <mandarin>就不会讲:jiu bu hui jiang</mandarin> yes Liao, exactly, <mandarin>我就:wo jiu</mandarin> treat it okay


, ya lah, , , ya lah <mandarin>我就:wo jiu</mandarin> treat it as benefit of the doubt lah <mandarin>她:ta</mandarin> shy or <mandarin>就是不敢出来:jiu shi bu gan chu lai</mandarin> date then <mandarin>又不敢讲:you bu gan jiang</mandarin> no even though <mandarin>我已经:wo yi jing</mandarin> lay the grounds clearly Liao


(hmm),


okay RD lor, !huh!, ah,


, okay


okay , [orh] actually makes sense , makes sense lor


, , ya, ya, (hmm) actually you're right you're right it makes sense now that I think back whatever you said it actually it all adds up


makes sense,


, you're right


Sua lah <mandarin>对:dui</mandarin> lah Sua lah


for a while it doesn't affect my life, correct


okay so Yiqing, put aside, [orh] <mandarin>其他的就是:qi ta de jiu shi</mandarin> dating app <mandarin>的:de</mandarin> Liao, [orh] <mandarin>那个那个:na ge na ge</mandarin> Tinder <mandarin>的那个:de na ge</mandarin> ah <mandarin>该讲:gai jiang</mandarin> Liao


yes Python PHD ah, learn under his robes and so


okay I tell you what


yesterday is, yesterday [orh], monday


schedule, cannot meh then


ah no lah you cute boy I will still text you then okay okay cool cool cool, , ah then <mandarin>我就直接:wo jiu zhi jie</mandarin> !hey! why not we just set up a virtual date lah we


we we Line Line call Line video call, ah <mandarin>就是:jiu shi</mandarin> then <mandarin>我就找:wo jiu zhao</mandarin> for excuse lah then <mandarin>他就:ta jiu</mandarin> !huh! what you want talk about, then <mandarin>我就:wo jiu</mandarin> ah then <mandarin>我就讲:wo jiu jiang</mandarin> !wah!


oh, cause you haven't see me, I haven't see you I don't know you real you don't know I real, , we should make video call, we get we get ya we get this off our chest


after a few minutes video lah ah <mandarin>直接打给我我:zhi jie da gei wo wo</mandarin> #chua sai# shocked eh <mandarin>因为:yin wei</mandarin> I didn't expect that move <mandarin>她:ta</mandarin> #ji tao# counter <mandarin>我:wo</mandarin> sia, !wah!


fuck, filter <mandarin>那个:na ge</mandarin> filter yo bro !wah! <mandarin>那个:na ge</mandarin> <mandarin>很不一样:hen bu yi yang</mandarin> eh


ah, eh


then okay <mandarin>她用的:ta yong de</mandarin> accent


pinoy Thai <mandarin>的感觉:de gan jue</mandarin> pinoy Thai <mandarin>的感觉:de gan jue</mandarin> then <mandarin>我直接问他:wo zhi jie wen ta</mandarin> !wah! !wah! <mandarin>心里直接讲出来这样:xin li zhi jie jiang chu lai zhe yang</mandarin> Zouk <mandarin>没有:mei you</mandarin> filter <mandarin>的讲出来:de jiang chu lai</mandarin> eh, you singaporean meh I thought you


auto <mandarin>讲出来了:jiang chu lai le</mandarin> filter <mandarin>都没有了:dou mei you le</mandarin> eh where's your New York accent then


then <mandarin>很:hen</mandarin> dubious lah I thought you say you singaporean you you sure you singaporean <mandarin>我假问两三次最后:wo jia wen liang san ci zui hou</mandarin> ya singaporean singaporean


okay, eh but you don't have New York accent eh or, or <mandarin>忘记:wang ji</mandarin> !aiya! <mandarin>忘记讲:wang ji jiang</mandarin> singaporean accent


so, okay number one <mandarin>是:shi</mandarin> accent Buay tally number two <mandarin>就是脸:jiu shi lian</mandarin> but <mandarin>这个:zhe ge</mandarin> !aiya! <mandarin>不可以:bu ke yi</mandarin> fault <mandarin>太多:tai duo</mandarin> lah !wah! <mandarin>真的没有:zhen de mei you</mandarin> filter <mandarin>不一样:bu yi yang</mandarin> lah


okay lah can give it a pass first


, ah <mandarin>女孩子为什么要这样:nv hai zi wei shen me yao zhe yang</mandarin> !walao!


, that's why, put <mandarin>我:wo</mandarin> down sia


okay <mandarin>你讲:ni jiang</mandarin> passing mark, ya, , but the thing is I don't mind <mandarin>跟她做一个朋友:gen ta zuo yi ge peng you</mandarin> that's why revert back to <mandarin>我的:wo de</mandarin> point <mandarin>如果她现在:ru guo ta xian zai</mandarin> text <mandarin>我:wo</mandarin> okay <mandarin>我:wo</mandarin> steady reply <mandarin>如果她要出来吃饭我很:ru guo ta yao chu lai chi fan wo hen</mandarin> steady eh


so, this saga, (hmm)


where tuesday wednesday <mandarin>我在讲:wo zai jiang</mandarin> day, ah [orh] <mandarin>她的名叫:ta de ming jiao</mandarin> Sisi #lee sisi#, okay <mandarin>他有给一个:ta you gei yi ge</mandarin> chinese name on, ya lah maybe fake or what I don't know but


proven sort of proven lah sort of <mandarin>有:you</mandarin> validate <mandarin>到:dao</mandarin> <mandarin>李思思:li si si</mandarin>, I don't mind if she text me


I don't know why she said I don't know, that's why ya lah


!wah! come on man


, that's why


ya, , ah, they don't prioritise those inside


COVID ah, , , , yup yup


not wrong not wrong is right


ya, , , , ya


!hais! ya, ,


play, ya , you're right, then nice period


, (mmhmm), ah, ah okay


ah , like <mandarin>最后:zui hou</mandarin> okay, , ya,


ya, you're right, you're right,


ya lor


ya, , ya ya, ah


, ya, ,


[orh] ya ya ya ya ya,


, , ya, yeah, !wah! that's why


!wah!, ya


, ya, ya


start start start to, ah


ah, ,


, , I agree I agree


but the thing is <mandarin>你会煮菜就是人家洗盘:ni hui zhu cai jiu shi ren jia xi pan</mandarin> Liao, eh heh, ya <mandarin>对是这样讲:dui shi zhe yang jiang</mandarin> , confirm <mandarin>会自动对因为不自动就是狗:hui zi dong dui yin wei bu zi dong jiu shi gou</mandarin> eh,


shit Sua


, , ya, ya <mandarin>就一直讲我们:jiu yi zhi jiang wo men</mandarin> stuck we are, ah


freak wait, ya that's a bit we didn't solve the problem we run away from the problem we ran, ah <mandarin>就是这个听到没有你们:jiu shi zhe ge ting dao mei you ni men</mandarin> eighteen dollars


eh <mandarin>拜托让我们:bai tuo rang wo men</mandarin> pass ah <mandarin>我们的那个:wo men de na ge</mandarin> <mandarin>什么:shen me</mandarin> code switching ah <mandarin>我们:wo men</mandarin> code switching <mandarin>是:shi</mandarin> hundred per cent <mandarin>的听到没有:de ting dao mei you</mandarin> natural singlish natural born


no problem ah, uh


!wah! !hais!


sound sound guy <mandarin>你现你现听应该在笑:ni xian ni xian ting ying gai zai xiao</mandarin> !wah! <mandarin>真的很:zhen de hen</mandarin> Sian , okay lah <mandarin>除非你们用:chu fei ni men yong</mandarin> AI [loh]


AI ah AI ah, eh


[orh] err [orh] so Taktaktaktak, OKC <mandarin>没有:mei you</mandarin> luck leh, OKC <mandarin>没有:mei you</mandarin> luck leh


!wah! Cui <mandarin>两个:liang ge</mandarin> Cui, , !aiyo!


ah, !wah!


the past <mandarin>不可以回去:bu ke yi hui qu</mandarin> Liao <mandarin>我们是:wo men shi</mandarin> look to forward future, , !wah!, !wah!


eh <mandarin>有多一个东西我要多一个:you duo yi ge dong xi wo yao duo yi ge</mandarin> topic <mandarin>我要开:wo yao kai</mandarin> Liao <mandarin>你讲完这个先你讲完了吗讲完了好我就开另外一个:ni jiang wan zhe ge xian ni jiang wan le ma jiang wan le hao wo jiu kai ling wai yi ge</mandarin> topic <mandarin>要你的:yao ni de</mandarin> opinion <mandarin>不是:bu shi</mandarin> girls Liao <mandarin>这个就是:zhe ge jiu shi</mandarin> job


okay so <mandarin>我不是跟你们讲那个:wo bu shi gen ni men jiang na ge</mandarin> SG united (hmm) <mandarin>千二:qian er</mandarin> per month from the government <mandarin>可是现在有一个:ke shi xian zai you yi ge</mandarin> catch, ah okay <mandarin>没有不算:mei you bu suan</mandarin> check <mandarin>看:kan</mandarin> lah <mandarin>我讲的难听:wo jiang de nan ting</mandarin> okay what's the situation now so


technically <mandarin>它的:ta de</mandarin> payout <mandarin>是到:shi dao</mandarin> december, so <mandarin>如果现在:ru guo xian zai</mandarin> august start <mandarin>这个:zhe ge</mandarin> course


Heng, ah <mandarin>那个是:na ge shi</mandarin> insurance <mandarin>的:de</mandarin> term ah free look <mandarin>的意思就是你可以:de yi si jiu shi ni ke yi</mandarin> cancel <mandarin>这整个东西:zhe zheng ge dong xi</mandarin> by seven days, so <mandarin>我是我想我要:wo shi wo xiang wo yao</mandarin> cancel


I start this course in january, but <mandarin>我的另外一个想法是:wo de ling wai yi ge xiang fa shi</mandarin> will I lose the opportunity cost of these five months of headstart to other people


you're right


[orh] <mandarin>你要做:ni yao zuo</mandarin> digital marketing okay


ah <mandarin>现在你直接:xian zai ni zhi jie</mandarin> take on <mandarin>这个:zhe ge</mandarin> course, then


I give you a very good example right now <mandarin>因为你已经做过:yin wei ni yi jing zuo guo</mandarin> sales <mandarin>你做过:ni zuo guo</mandarin> insurance <mandarin>做过:zuo guo</mandarin> finance


lead generation companies <mandarin>做:zuo</mandarin> digital marketing


mindset ah so <mandarin>你可以就是:ni ke yi jiu shi</mandarin> craft out <mandarin>那个:na ge</mandarin> campaign based on, ah eh, freak <mandarin>这个:zhe ge</mandarin> advantage


ya, defintely <mandarin>他见过的人比我多一百倍讲真的:ta jian guo de ren bi wo duo yi bai bei jiang zhen de</mandarin>


ah


this meeting [right] <mandarin>我们是要看我们是不是适合:wo men shi yao kan wo men shi bu shi shi he</mandarin> for each other


ah,


ya <mandarin>有机会带你去:you ji hui dai ni qu</mandarin> meet <mandarin>他:ta</mandarin> then <mandarin>听:ting</mandarin> lor


broke, we need to take, yes, yes


ah so


oh in his own lifetime lah, okay okay, [orh] show <mandarin>他的:ta de</mandarin> portfolio lah, okay okay


[orh] okay okay , ,


, !wah!


oh ya ya ya the whole market, , oh, , !wow!, exactly


, times !wah!


<mandarin>我很久没有动:wo hen jiu mei you dong</mandarin> maths Liao, ah assuming, [orh] <mandarin>对:dui</mandarin> minus <mandarin>你的:ni de</mandarin> capital


, ya


ya, , it's on discount yes, yes yes


, , ya,


ya, ya it's not gambling at all, ya, ,


okay <mandarin>他的名叫:ta de ming jiao</mandarin> reina reina <mandarin>刚才就跟我讲:gang cai jiu gen wo jiang</mandarin> investing


investing, risk I forget the term risk risk and reward, risk aversion <mandarin>还是:hai shi</mandarin> risk planning or something ah risk <mandarin>不懂:bu dong</mandarin> there's one term there


like


think ah <mandarin>需要那个:xu yao na ge</mandarin> knowledge ya


ah, ,


(mmhmm), <mandarin>你:ni</mandarin> okay <mandarin>你:ni</mandarin> principles <mandarin>是:shi</mandarin> okay <mandarin>你就那:ni jiu na</mandarin> Liao, ah, , ya


uh


ya, ya, <mandarin>不不可以后悔:bu bu ke yi hou hui</mandarin> lah, !wah! ah <mandarin>输:shu</mandarin> err


or <mandarin>你:ni</mandarin> fold <mandarin>对你:dui ni</mandarin> fold <mandarin>你也:ni ye</mandarin> flush ah <mandarin>你不后悔他有他有:ni bu hou hui ta you ta you</mandarin> straight ah ah maybe <mandarin>他:ta</mandarin> straight flush <mandarin>你不懂不可以后悔:ni bu dong bu ke yi hou hui</mandarin> ah emotion Liao <mandarin>这个就比较:zhe ge jiu bi jiao</mandarin> emotion


ah, okay, market fluctuations <mandarin>就是因为:jiu shi yin wei</mandarin> human <mandarin>的:de</mandarin> emotion, [orh] <mandarin>这个这个是比较:zhe ge zhe ge shi bi jiao</mandarin> trading side Liao trading, traders <mandarin>就是靠人家的:jiu shi kao ren jia de</mandarin> emotion <mandarin>赚钱因为:zhuan qian yin wei</mandarin> emotion


ah


, strategies or something


, uh


so mid year books <mandarin>的的时候:de de shi hou</mandarin> I I IG <mandarin>他:ta</mandarin> mah IG <mandarin>他:ta</mandarin> eh you also here ah


ya <mandarin>去年对:qu nian dui</mandarin> IG story eh <mandarin>看他:kan ta</mandarin> story eh you also here ah but you later, at the at the hall and catch up catch up a bit lah, then okay okay sure later meet you there, then meet <mandarin>他:ta</mandarin> eh eh eh how how how you doing


she enter, faster than me, so <mandarin>我就问他:wo jiu wen ta</mandarin> then <mandarin>她就没有:ta jiu mei you</mandarin> leh, then <mandarin>我就:wo jiu</mandarin> !huh!


she's not doing that well, don't know


minimum !wah!, minimum <mandarin>他要:ta yao</mandarin> post <mandarin>一个他拿到:yi ge ta na dao</mandarin> achievers


!wah! rookie of the year <mandarin>就是一个更大的:jiu shi yi ge geng da de</mandarin> award Liao, maybe <mandarin>是:shi</mandarin> top, but top <mandarin>也是很好:ye shi hen hao</mandarin> Liao


okay so ah reina <mandarin>是一个:shi yi ge</mandarin> IFA independent financial adviser <mandarin>所以他的:suo yi ta de</mandarin> company <mandarin>可以卖很多不同:ke yi mai hen duo bu tong</mandarin> company <mandarin>的我们不一样我们是:de wo men bu yi yang wo men shi</mandarin> great eastern AIA #blah blah blah# prudential


tied agent hor, actually don't really care about the customer one <mandarin>有真的:you zhen de</mandarin> care <mandarin>的就是我跟:de jiu shi wo gen</mandarin> great eastern <mandarin>一个:yi ge</mandarin> company <mandarin>而已:er yi</mandarin> I'm tied with this company I only can sell this company product


even if they don't realize ah <mandarin>没有一个是:mei you yi ge shi</mandarin> truly care about <mandarin>他的:ta de</mandarin> customer <mandarin>的:de</mandarin> even if they don't realize themself <mandarin>怎么讲:zen me jiang</mandarin> maybe <mandarin>他们心里是真的:ta men xin li shi zhen de</mandarin> care


but from an adviser standpoint, no, why, because there's no one company's list of products can satisfy all your needs one and no one company product is better than all the company's products, that's number one


number two, ah #ren gang luan jia#


ya <mandarin>讲到低那个心:jiang dao di na ge xin</mandarin> hor


is never truly even if they don't realize, so


reina <mandarin>的风格真的很不一样:de feng ge zhen de hen bu yi yang</mandarin> which made me, as an advisor


so, so, ya, lay foundation then after that err, !wah! <mandarin>他:ta</mandarin> explain plan <mandarin>的时候因为我就给他看:de shi hou yin wei wo jiu gei ta kan</mandarin> mah great eastern <mandarin>的:de</mandarin> policy <mandarin>我的整个:wo de zheng ge</mandarin> portfolio ah


we are what we are insurance agent we are not really financial adviser you don't really advise you <mandarin>我们就是:wo men jiu shi</mandarin> agent <mandarin>来的买:lai de mai</mandarin> for commission <mandarin>坦白讲很多人放:tan bai jiang hen duo ren fang</mandarin> financial adviser insurance agent <mandarin>讲:jiang</mandarin> insurance agent mah <mandarin>对:dui</mandarin> so


what you're doing, it's not what the client needs already it's not their it's not their problem you're not solving their problem you're not value adding to them already okay, ya ah <mandarin>为我自己好:wei wo zi ji hao</mandarin> and


even though every plan got a fit for, err certain clients


I'm solely paying for insurance coverage <mandarin>就是你到七十岁你拿了没有没有钱会回来没有:jiu shi ni dao qi shi sui ni na le mei you mei you qian hui hui lai mei you</mandarin> cash value ah <mandarin>没有:mei you</mandarin> investment <mandarin>的:de</mandarin> option


so <mandarin>我:wo</mandarin> currently <mandarin>买的是:mai de shi</mandarin> investment link <mandarin>有:you</mandarin> investment plus coverage, you pay solely for coverage <mandarin>好处什么:hao chu shen me</mandarin> cheap, cheap and sum assured is high very high I give you two comparison <mandarin>我现在的:wo xian zai de</mandarin> great eastern plan


hundred K <mandarin>他:ta</mandarin> matured, one year three thousand six term plan one million sum assured, one year, thousand, eight about half price, ten times the sum assured but half price the premium ah so then that's the beauty <mandarin>对:dui</mandarin> that's the beauty of term plan


, investment link plan, waht purpose what's the purpose, there's no purpose at all, you what what you need now is the coverage when you are young to lock in the premiums


ah coverage when you are young, because you got more liabilities ya you you will get married, in a few years and have kids you definitely need the high coverage number two is to lock in this cheap premium when you're young


interest <mandarin>是一定要的只是看你几时还而已:shi yi ding yao de zhi shi kan ni ji shi hai er yi</mandarin> so


okay <mandarin>讲你的讲你的:jiang ni de jiang ni de</mandarin> Tinder


okay , I'll try I'll try, okay okay lor I think <mandarin>可以:ke yi</mandarin> lah,


(uh huh), , !huh! <mandarin>怎样讲:zen yang jiang</mandarin> leh


fuck, actually <mandarin>有什么不同:you shen me bu tong</mandarin> sia <mandarin>买:mai</mandarin> superboost


ah, ten times super like ah, [orh] okay okay, [orh] <mandarin>就是:jiu shi</mandarin> boost <mandarin>而已:er yi</mandarin> lah


ah


okay okay, ah okay okay, the, the


ah then, , ah wait it's per month or, one time, fifty eight dollar one time only


not bad, okay okay let's go let's go, ah


oh <mandarin>来:lai</mandarin> Liao [orh]


uh


curvy, , err <mandarin>被:bei</mandarin> rejected sia


ah, okay okay, ,


ah, okay, ,


ah, , , what the


ah, but <mandarin>他忙:ta mang</mandarin> mah, so that one cannot be helped mah, then <mandarin>你没有:ni mei you</mandarin> double text so, so that's the thing ah thats the thing that's <mandarin>你觉得:ni jue de</mandarin> over but actually <mandarin>还没有:hai mei you</mandarin> over ah


okay okay, but the thing is <mandarin>他要跟你出去也是:ta yao gen ni chu qu ye shi</mandarin> what, so not really over what


right, ah ah ah okay okay, ah , okay okay, ah, ya


ah ah, tattoo girl ah, [orh] DL <mandarin>神奇怎样讲:shen qi zen yang jiang</mandarin> leh, [orh] <mandarin>我已经讲粗话:wo yi jing jiang cu hua</mandarin> Liao sia so


I think <mandarin>我们被:wo men bei</mandarin> rejected Liao, okay okay, no problem, ah


oh ya, tell me about it, (uh huh) (uh huh)


so <mandarin>你:ni</mandarin> ask her out lah, basically,


okay okay,


[orh] <mandarin>来:lai</mandarin> Liao lor , oh my


so <mandarin>你你去先:ni ni qu xian</mandarin> ah, Siao, innocent maybe give innocent lah, [orh] okay okay


ah, [orh] okay okay,


uh, , actually, that's true ah, okay, ah,


!wah! <mandarin>这样的:zhe yang de</mandarin> ah, then <mandarin>你讲:ni jiang</mandarin> oh never mind lah together, ya <mandarin>我懂的你的:wo dong de ni de</mandarin> date lah <mandarin>你的:ni de</mandarin> appointment,


ah, ah, , okay


!wah!, !huh!, can meh,


as as in, can tell Liao lah, ah,


ah, , , ah understand understand, ah, no ah


the fuck, , ah ya ya ya


, !wah!, , okay


ah, okay, , Ahneh <mandarin>这样:zhe yang</mandarin> ah, , purple ah, I don't think I see anyone with purple eh


I don't think !wah! <mandarin>我没有看过人家有:wo mei you kan guo ren jia you</mandarin> purple <mandarin>的头发:de tou fa</mandarin> sia, , ah


ah, okay so nothing ah, over Liao lah, ah


okay okay, ah, , ya, so <mandarin>他一定看到:ta yi ding kan dao</mandarin> lah, err


and <mandarin>她:ta</mandarin> instant reply <mandarin>你:ni</mandarin> sia, reply eh, that woman, at that ah, that moment <mandarin>我就觉得:wo jiu jue de</mandarin> eh maybe <mandarin>这个人有一点:zhe ge ren you yi dian</mandarin> interest lah <mandarin>对你有意思:dui ni you yi si</mandarin> but


I think <mandarin>他在玩你玩你:ta zai wan ni wan ni</mandarin> sia, , , ah, but to me <mandarin>我觉得她不是:wo jue de ta bu shi</mandarin> like shy leh


<mandarin>很:hen</mandarin> I don't think, a worst way to reject <mandarin>人:ren</mandarin> lah, okay okay lor


amanda [right], but


ah <mandarin>给她:gei ta</mandarin> lah but thing is hor, like just reject <mandarin>讲:jiang</mandarin> no so <mandarin>他不会追:ta bu hui zhui</mandarin> Liao mah


then <mandarin>她讲:ta jiang</mandarin> [orh] cause <mandarin>我不要:wo bu yao</mandarin> feel bad, feel bad lor, that that's the <mandarin>他们:ta men</mandarin> the excuse lah


like no


like let's say <mandarin>他们喜欢你:ta men xi huan ni</mandarin> lah <mandarin>他们:ta men</mandarin> out <mandarin>你:ni</mandarin> out <mandarin>他:ta</mandarin> rather <mandarin>你不要讲:ni bu yao jiang</mandarin> like <mandarin>他们自己知道:ta men zi ji zhi dao</mandarin> rather than <mandarin>你讲:ni jiang</mandarin> ah <mandarin>因为他们:yin wei ta men</mandarin> <mandarin>比较弱:bi jiao ruo</mandarin> lah emotionally


I think I think so lah but <mandarin>他们不懂:ta men bu dong</mandarin> they don't know we can take it don't know like okay no then move on, then <mandarin>两个人都好:liang ge ren dou hao</mandarin> mah <mandarin>不用再去想:bu yong zai qu xiang</mandarin> Liao, ya then <mandarin>他们:ta men</mandarin> thinking <mandarin>是:shi</mandarin> different lah


ah ya makes sense


ah ya <mandarin>不可能是:bu ke neng shi</mandarin> shy I don't think it's shy, uh uh


something like attention Liao mah ya <mandarin>就是他不敢:jiu shi ta bu gan</mandarin> reject <mandarin>你:ni</mandarin> [loh] feels bad [loh], ah


her ah, but then ah <mandarin>有点不好:you dian bu hao</mandarin> lah Sua lor you just Sua [loh], ya lah I mean just <mandarin>认识他:ren shi ta</mandarin> what, right, like just treat her as normal friend lor


actually <mandarin>不是:bu shi</mandarin> friend lah <mandarin>不是:bu shi</mandarin> friend Liao <mandarin>就是:jiu shi</mandarin> stranger ah stranger, ah Yiqing


okay okay see, [orh] <mandarin>那个:na ge</mandarin> ah ya ya <mandarin>那个:na ge</mandarin> PHD lah


ah so <mandarin>有:you</mandarin> chance lah


ah, , ah why,


, [orh] <mandarin>就那个你不会:jiu na ge ni bu hui</mandarin> plan <mandarin>自己的:zi ji de</mandarin> timing lah <mandarin>做:zuo</mandarin> scape, ,


eh eh <mandarin>不错哦:bu cuo o</mandarin> ah okay, ah,


LOL, ah, okay,


, virtual date ah, ah, mature date,


think neither, , ah, ya that's true that's true


!wah! <mandarin>这样:zhe yang</mandarin> steady ah, video call, ah !huh!, ya sia, !wah!, !wah!


, ah, ah, okay okay, a bit actually, !huh! <mandarin>怎样讲:zen yang jiang</mandarin> leh


ah, filter ah , that's life


[orh] [orh] okay okay, so <mandarin>她:ta</mandarin> video call <mandarin>是:shi</mandarin> like, ah, !wah! daring sia [orh] okay


bare minimum lah, light makeup bare makeup, ah okay,


interesting, okay, ah, english


china accent, , (oo) (oo) (oo) oh


eh <mandarin>等一下她是:deng yi xia ta shi</mandarin> singaporean <mandarin>去:qu</mandarin> US, okay <mandarin>这样:zhe yang</mandarin> either <mandarin>是:shi</mandarin> singaporean or New York accent mah


, ah ya ya ya, okay


ah, ah ah ah, okay okay, then


ah, [orh], but <mandarin>那个不是:na ge bu shi</mandarin> singaporean accent lah, ha


, !wah! maybe, that's weird,


ah !huh!, ah, !huh!, some for long term <mandarin>不用紧:bu yong jin</mandarin> lah looks wise,


ya but, ah <mandarin>我觉得他蛮:wo jue de ta man</mandarin> steady <mandarin>的:de</mandarin> lah, like, video call


maybe <mandarin>有:you</mandarin> future ah, but then, , accent <mandarin>是另一个:shi ling yi ge</mandarin> problem mah, ya ya ya <mandarin>就是:jiu shi</mandarin>


catfish ah, per se, so <mandarin>你:ni</mandarin> hold her standard, like <mandarin>蛮高的:man gao de</mandarin> lah, ha


, die Liao five ah, five ah, is


but thing is, ,


ah, but <mandarin>有:you</mandarin> chance lah, to to date <mandarin>还是没有:hai shi mei you</mandarin> chance Liao, , , ah <mandarin>因为你:yin wei ni</mandarin> not interested lah


ah I understand understand, but, ended, okay lah


[orh] day ah, ah, [orh] Sisi ah !huh!, okay, Kaobu


ah, , , , ah ah okay


, so <mandarin>这个还在他还在:zhe ge hai zai ta hai zai</mandarin> Singapore ah, okay not bad so #KV ram# ah, but meetup lah, but <mandarin>为什么她会:wei shen me ta hui</mandarin> I don't know eh


as in I don't get it, like <mandarin>你忙:ni mang</mandarin> then <mandarin>你:ni</mandarin> just cancel ah, like, ah ha since when ah, a'ah ya


, , ya, [orh]


err, a lunch or dinner with <mandarin>那个:na ge</mandarin> two E guy then <mandarin>每一个人讲:mei yi ge ren jiang</mandarin> !wah! sorry I busy that day ah


ah <mandarin>他有生气:ta you sheng qi</mandarin> like <mandarin>他有:ta you</mandarin> Gan <mandarin>一点:yi dian</mandarin> lah, so <mandarin>他讲:ta jiang</mandarin> err !wah! you all how busy also need eat lunch what, let's eat with us lah one one time lunch only, then don't need plan also can come just come ya then <mandarin>他们没有:ta men mei you</mandarin> reply [loh]


ah ya, but <mandarin>我们我们有:wo men wo men you</mandarin> reply what <mandarin>我们:wo men</mandarin> okay just lunch <mandarin>而已:er yi</mandarin> mah, just take <mandarin>几个小时:ji ge xiao shi</mandarin> I mean not even three hours eh, maybe <mandarin>有:you</mandarin> three hours lah but


ya, lunch catch up, but <mandarin>他们:ta men</mandarin> , think <mandarin>他们忙不是:ta men mang bu shi</mandarin> just not enough time for us [loh], ah


ah ya actually true hor


seven months hor


almost gone ah, so, are they really your friends, or are they just your schoolmates


ah <mandarin>会这样想:hui zhe yang xiang</mandarin> ah, ah, ya it's not poly <mandarin>那些:nei xie</mandarin> [orh] <mandarin>也是没有去管:ye shi mei you qu guan</mandarin> Liao, !wah! <mandarin>是不是:shi bu shi</mandarin> real friends ah


ya acquaintence <mandarin>而已:er yi</mandarin> lor like


friends with benefits lor <mandarin>就是这样:jiu shi zhe yang</mandarin> lor, Bopian ah Bopian, why, ah, okay <mandarin>就是那个:jiu shi na ge</mandarin> period lah, last december


ya ah, but but, ya lah <mandarin>你觉得:ni jue de</mandarin> , like okay <mandarin>自己自己最重要:zi ji zi ji zui zhong yao</mandarin> ah, should prioritize <mandarin>你自己:ni zi ji</mandarin> ah something like that and <mandarin>你的:ni de</mandarin> close friends ah <mandarin>是那些:shi nei xie</mandarin> !wah! <mandarin>真的浪费时间而已:zhen de lang fei shi jian er yi</mandarin> lah something like that <mandarin>不是浪费时间:bu shi lang fei shi jian</mandarin> lah


(uh huh), like <mandarin>最后:zui hou</mandarin> okay, like you really enjoy mah like nobody can take that away from you


ah <mandarin>我是这样觉得:wo shi zhe yang jue de</mandarin> ah, ah COVID clear or not clear ah <mandarin>你有这些时间去想这些东西:ni you zhe xie shi jian qu xiang zhe xie dong xi</mandarin> normally <mandarin>没有时间的:mei you shi jian de</mandarin> mah <mandarin>出去出去:chu qu chu qu</mandarin> then <mandarin>讲话:jiang hua</mandarin> !wah!, like no time to find a hobby Sia, ya so okay lah COVID


not bad for us lah I would say bad for the world <mandarin>就是这样:jiu shi zhe yang</mandarin> [loh] then how, ah ya something like that


ah, ah, ah ya, ya <mandarin>自己以前我觉得:zi ji yi qian wo jue de</mandarin> eh fuck <mandarin>我要多:wo yao duo</mandarin> friends leh <mandarin>我觉得:wo jue de</mandarin> okay <mandarin>每天出去:mei tian chu qu</mandarin> eh <mandarin>爽:shuang</mandarin> leh <mandarin>蛮爽的:man shuang de</mandarin> like eh <mandarin>我有一个:wo you yi ge</mandarin> life


actually <mandarin>不重要你想:bu zhong yao ni xiang</mandarin> eh <mandarin>那些:nei xie</mandarin> memories, not really there ah <mandarin>怎样讲:zen yang jiang</mandarin> in the moment [loh] have fun the moment, K <mandarin>那时好玩:na shi hao wan</mandarin> lah but, empty lor feel empty lor, ah ya maybe that's why <mandarin>这样多:zhe yang duo</mandarin> depression


so <mandarin>找一个:zhao yi ge</mandarin> !wah! <mandarin>你找一个怎样讲:ni zhao yi ge zen yang jiang</mandarin> core


feel full then !wah! <mandarin>怎样怎样:zen yang zen yang</mandarin> depression <mandarin>这样:zhe yang</mandarin> actually, ah ya like <mandarin>那些你看:nei xie ni kan</mandarin> K pop star


not themselves ah, like <mandarin>要做一个:yao zuo yi ge</mandarin> face for <mandarin>那些:nei xie</mandarin> fans


ah ya <mandarin>我也是终于明白:wo ye shi zhong yu ming bai</mandarin> Liao, COVID [loh], five months


five months to myself, months, ya so I must say not bad lah even though it's bad lah


ya, think not bad lah,


but <mandarin>一你有:yi ni you</mandarin> hobby !wah! <mandarin>你:ni</mandarin> feel accomplish, and ah nobody can take that away ah, that's the thing I learned, ah <mandarin>我有学有学:wo you xue you xue</mandarin> lah, ah start to <mandarin>学:xue</mandarin> lor


!huh!, ya <mandarin>我:wo</mandarin> start, ah, ah, like cooking course, ah NTU <mandarin>的学一点东西:de xue yi dian dong xi</mandarin> lor, but eh !wah! like not bad actually quite interesting ah


cooking like from nothing, eh, !wah! then <mandarin>你:ni</mandarin> feel , , feel in control ah you feel very in control like !wah! <mandarin>你真的在:ni zhen de zai</mandarin> in a moment, ya


think that's the good thing [loh], cooking, ah


shit <mandarin>应该早学早学:ying gai zao xue zao xue</mandarin> then !wah! <mandarin>可以:ke yi</mandarin> share <mandarin>更多:geng duo</mandarin> but now not too late <mandarin>也是:ye shi</mandarin> lah, ya ya, ya <mandarin>以前:yi qian</mandarin> !wah!, realised <mandarin>我们太:wo men tai</mandarin> immature Liao


lower down <mandarin>那个:na ge</mandarin> regret lah <mandarin>没有:mei you</mandarin> learn [loh] <mandarin>就讲:jiu jiang</mandarin> !wah! ah stuck ya we are stuck, ah Sua lah <mandarin>玩:wan</mandarin> game lah ah <mandarin>这样:zhe yang</mandarin> lor <mandarin>不会去找工作我们没有钱:bu hui qu zhao gong zuo wo men mei you qian</mandarin> eh <mandarin>怎样有钱我们不管:zen yang you qian wo men bu guan</mandarin> ya ya we run away <mandarin>对:dui</mandarin> but now okay now


mature <mandarin>一点:yi dian</mandarin> lah, eighteen dollars, (uh huh)


, , ten hours no problem, <mandarin>去:qu</mandarin> Yishun dam <mandarin>讲:jiang</mandarin> [loh]


, !wah! shit, plus I ah <mandarin>十八块:shi ba kuai</mandarin> what


ah, [orh] ya lor true that's true, that's true that's true, ya average, !wah! <mandarin>这样他们:zhe yang ta men</mandarin> look through <mandarin>那些:nei xie</mandarin> tape hor <mandarin>很:hen</mandarin> Sian sia


sound guy, , why, AI [orh] that's true hor AI


!wah! not bad ah twenty more minutes


OKC COVID <mandarin>没有:mei you</mandarin> Liao lah


, not bad honest, OKC, COVID <mandarin>很多人:hen duo ren</mandarin> !wah! OKC COVID ah <mandarin>对:dui</mandarin> [loh] COVID <mandarin>是:shi</mandarin> very boring someone please entertain me


but <mandarin>浪费掉:lang fei diao</mandarin> [loh], pray for us ah, wait for another pandemic lor


ya, china maybe <mandarin>新的:xin de</mandarin> virus, maybe <mandarin>是:shi</mandarin> rumor lah I don't know, but, ah ah !huh! <mandarin>讲完了:jiang wan le</mandarin> <mandarin>就是这样:jiu shi zhe yang</mandarin> lor


ah okay ah okay, job, ah <mandarin>对那个:dui na ge</mandarin> pay to study <mandarin>的:de</mandarin> lah, (hmm)


ah


, right right,


one or the other lah


free look period, ah, , ,


(hmm), , ah


, but and unless <mandarin>你:ni</mandarin> five months


, , (uh huh), their advisor <mandarin>什么:shen me</mandarin> advisor ah finanical advisor okay


, ah, ,


[orh] , ah


, , , ya ya,


okay,


okay okay, ,


channel ah instagram channel but <mandarin>帮别人做:bang bie ren zuo</mandarin> ah, , , okay


<mandarin>明白我明白:ming bai wo ming bai</mandarin> okay, ya ya ya,


ya actually <mandarin>你的:ni de</mandarin> advantage <mandarin>很大:hen da</mandarin> sia, cause ya you have all these knowledge, then <mandarin>你懂他们怎样想:ni dong ta men zen yang xiang</mandarin> ya !wah! <mandarin>这个:zhe ge</mandarin> advisor,


ya <mandarin>我觉得他真的:wo jue de ta zhen de</mandarin> experience I think <mandarin>他也是:ta ye shi</mandarin> experience <mandarin>过这种东西:guo zhe zhong dong xi</mandarin> lah ya, , ya can tell lah,


!huh!, !huh!, what the <mandarin>他:ta</mandarin> sounds, !wah!, , ah <mandarin>找他:zhao ta</mandarin> lah,


, , ah,


, !wah!,


, ya, , like <mandarin>一个:yi ge</mandarin> relationship lah <mandarin>这样讲:zhe yang jiang</mandarin> lah, <mandarin>这样讲:zhe yang jiang</mandarin> really


then, , ah


ah, [orh] okay okay, sounds good, ya


then, the <mandarin>这:zhe</mandarin> five months leh, ,


investing stocks <mandarin>这些:zhe xie</mandarin> ah, ah,


ah, ya <mandarin>可以:ke yi</mandarin> just <mandarin>开:kai</mandarin> lor, but thing is, to invest <mandarin>要有:yao you</mandarin> capital lah


to save, , , ah


<mandarin>我也是要找:wo ye shi yao zhao</mandarin> part time, eh, eh, eh !wah! <mandarin>讲来讲去就是这个:jiang lai jiang qu jiu shi zhe ge</mandarin> Liao


hundred, two hundred K into stocks <mandarin>我也是吓到:wo ye shi xia dao</mandarin> two hundred k, ah <mandarin>他的:ta de</mandarin> excel !wah!


so <mandarin>他总共不懂赚多少没几万:ta zong gong bu dong zhuan duo shao mei ji wan</mandarin> lor, slowly lah slowly,


but <mandarin>没有人知道:mei you ren zhi dao</mandarin> mah so <mandarin>没有人去买:mei you ren qu mai</mandarin> but suddenly COVID <mandarin>来:lai</mandarin> !wah!


that's why stocks are ah long term long term ah ah ah ya stocks, stocks <mandarin>最好玩:zui hao wan</mandarin> [loh] it's not gambling because ah ya


win win, ah reina, ah, , ah, okay


, ah


ah, ah, , , ah


, risk and reward ah, ah ah, [orh] okay okay,


monitor risk, okay


oh, ya <mandarin>很多:hen duo</mandarin> term <mandarin>很多:hen duo</mandarin> term, that's why ya <mandarin>可以这样讲:ke yi zhe yang jiang</mandarin> ya and equity


ah something like that <mandarin>我我也是跟他们学的:wo wo ye shi gen ta men xue de</mandarin> so <mandarin>我觉得:wo jue de</mandarin> eh <mandarin>这跟:zhe gen</mandarin> stocks <mandarin>一样:yi yang</mandarin> hor, so hor


<mandarin>对对对对:dui dui dui dui</mandarin> ya, let's say <mandarin>你放一百块:ni fang yi bai kuai</mandarin> for <mandarin>一个三百块:yi ge san bai kuai</mandarin> return


okay lah ya something like that lor, ya, like ah after <mandarin>那个:na ge</mandarin> sharp sharp return


ah, the thinking <mandarin>是对的:shi dui de</mandarin> lah, okay


, , [orh], ya ya ya, okay so I think <mandarin>跟:gen</mandarin> poker <mandarin>一样:yi yang</mandarin> sia, ya equity ah equity something like that


(uh huh), ya maybe <mandarin>他有:ta you</mandarin> straight flush (uh huh)


ah ya you never know, that's why <mandarin>不可以:bu ke yi</mandarin> tilt <mandarin>的:de</mandarin> poker <mandarin>也是不可以:ye shi bu ke yi</mandarin> tilt, then stocks I think stocks maybe <mandarin>也是不可以:ye shi bu ke yi</mandarin> tilt lah, [orh]


ah, [orh], okay okay !wah! !wah! !wah!, zac Chua


[orh] <mandarin>我没有去看:wo mei you qu kan</mandarin> but <mandarin>我懂你有:wo dong ni you</mandarin> post <mandarin>一个:yi ge</mandarin> video lah, ah, scroll through


, eh Wenqing <mandarin>有:you</mandarin> follow eh,


Wenqing


ah, ,


, , [orh] <mandarin>你问他:ni wen ta</mandarin> ah ah


!huh!, !huh!


ah ya, , ya ya lah ya lah, but now leh now <mandarin>他他有自己的:ta ta you zi ji de</mandarin> account sia <mandarin>他有开一个:ta you kai yi ge</mandarin> account <mandarin>还是:hai shi</mandarin> Instagram account lah to promote <mandarin>他的:ta de</mandarin> investing


!huh!, , [orh], ah


, but <mandarin>现在:xian zai</mandarin> uni student <mandarin>很多拿:hen duo na</mandarin> rookie of the year sia


, ah, !whoa! eh, okay good good good


ah, , ah, eh


tied agent <mandarin>什么是:shen me shi</mandarin> tied agent, ah, [orh] <mandarin>就是:jiu shi</mandarin> like [orh] [orh] [orh], ah


!huh! <mandarin>怎样讲:zen yang jiang</mandarin> ah, ,


oh ya true hor, okay, okay


, [orh] <mandarin>对:dui</mandarin> hor true hor,


<mandarin>对对对:dui dui dui</mandarin> ah, ya lah ya lah ya lah Sian <mandarin>那些:nei xie</mandarin> <mandarin>我的:wo de</mandarin> commission hor but, ah <mandarin>我明白:wo ming bai</mandarin> lah


ya, ya, they they realise lah <mandarin>只是他们要讲而已:zhi shi ta men yao jiang er yi</mandarin> [loh] #bo pian#, but <mandarin>他们也是:ta men ye shi</mandarin> Sian lah at the end of that ya


but, company


, , ah


, , okay, ah so it's the wrong mindset lah, so what's the right mindset


(mmhmm)


ah, , so <mandarin>你:ni</mandarin> quality fit <mandarin>好:hao</mandarin> lah


, ah, ah <mandarin>你们也是这样讲:ni men ye shi zhe yang jiang</mandarin> financial advisor


, ya, okay, ya so <mandarin>为你好:wei ni hao</mandarin> lah


, , ya ya ya ya ya


, , [orh] okay okay


[orh], , ,


!wah!, so ah ah so <mandarin>只是钱回来而已:zhi shi qian hui lai er yi</mandarin> lah, [orh] so


ya, ,


ya, , , ya ya ya


ya, (ppl)


okay so ni lisa ni like how I don't think the the


ya, ya, , ah


I I've I seen phone cases where you can like print macam pictures on the phone case I'm thinking that you are saying like macam a picture sort of thinkers the frame pictures that's what


plaza sing there is the kedai tingkat dua depan pizza hut where you can make, like you know they call it the couple ring or something then they sell those pendants or whatever that you can engrave or


err that they have pendants phone ya ya ya mug will will be okay they have mugs there also if I know


ya correct kalau macam can, ya


ya, ya


ya ya ya they have ya, or a tote bag, a tote bag with our pictures then they go to like macam supermarket


so my friends right with me know those big tote bags that ya, ya


ya, ya ya, correct correct ya


ya ya, photo book you you you are right cause I have friends who give me photo book I look it on memories !aww! then cry then after that taruk dalam kotak and then like, when you clean up your house baru buka oh ya I remember this rachel give it to me two years ago ah what


you actually throw things


moving


, ya


but if you see her house, it's all only the band band posters things that's on the wall,


ya we can do on canva what canva you can hook, even the going away party I I want to be selfish I just want it to be us I know I'm I know I sound so selfish but


, but inclusive of err house owner, ya


I think kita like err we can just do, like the five of us just a separate one lah I think she will appreciate that okay ya ya, err ya just more of a, okay I think got like dua minggu to


ya it was supposed to be the ninth whatever


ya for me I think it's more of, just ah Iskandar I think they if you see like ah anything that is pertaining to family ya or the family like she won't really like, say out you know I think ya I think and that's that


ya, thing, ya


ya, actually that's come a long way man she is the first Nisa I know, that hung out at like ah sarah porch and like we all hang out five of us or four of us


the way she's guarded now is like ah whatever ah sembarang ah on ah go [jer] like she she she ya


ya she she's come a long way man she just got pissed drunk Nisa, pissed drunk it used to be like err you want some ah no no it's okay thank you now it's like ah where's the cigarette Yana where's your cigarette


!aiyo! that girl, know that day like err the staycation lah with me ah it's my birthday ah, I I I just lay down on her lap and I just started bawling


like bawling, ya ya ya and then I just she she tried to be the again the the the kakak kakak like trying to make jokes I was just like


my emotions I'm like ya I I, no babe it's not just her I think if any of us is like no longer a part of the group or even if let's say some shit happens some drama happen and one person just decide to okay