I think a lot of times people don't like to think what is negative people try to think positive things so whatever is negative is pushed to the back of the mind like <mandarin>过后再打算:guo hou zai da suan</mandarin> lah <mandarin>碰到了才讲:peng dao le cai jiang</mandarin> lah I mean <mandarin>你现在讲不是很:ni xian zai jiang bu shi hen</mandarin> Suay then Kena <mandarin>真的:zhen de</mandarin> Kena <mandarin>那不是很惨:na bu shi hen can</mandarin> is the taboo lah so better don't talk about it that's why people also don't talk about death because is like so


ya is also a superstitious wise or whatsoever you try to push it one side ah, just don't touch it lah <mandarin>是:shi</mandarin> ah <mandarin>是那种什么不怕意外怕万一那种东西:shi na zhong shen me bu pa yi wai pa wan yi na zhong dong xi</mandarin> lah but <mandarin>也是:ye shi</mandarin>


ya lah, typical, this one sorry ah sidetrack then so <mandarin>你的那个:ni de na ge</mandarin> friend <mandarin>怎么样叫他去买:zen me yang jiao ta qu mai</mandarin> lah just cover himself


three to ten percent of monthly income !wow! okay


and this three per cent to cover everything like the hospitalisation the accident and whatever or three percent is just for


alright <mandarin>人可以死不能生病:ren ke yi si bu neng sheng bing</mandarin>


and some more not portable you cannot once you leave a company or you're fired or retrenched it just ends so


, correct, but increase with age right personal accident oh it doesn't I thought it does there's an income bracket I mean not income age range [orh]


!huh!


but critical illness you will end up in hospital also what, correct but you see ah they pay you the sum but then in the end you still have to seek treatment from the hospital then the cost is so high because now everybody abuse the system in the end


, have to but the package ah oh okay


so <mandarin>这个:zhe ge</mandarin> critical illnesses <mandarin>是:shi</mandarin> let's say I have three plans of critical illness so I will tap on the first one first, and then when it exceeded I mean how do I put it example if I have three policies of critical illness each one has like say hundred thousand payout so does it mean the moment I have critical illness I have three hundred thousand payout


trigger you mean I oh


ya lah so that means at one go lah one go regardless of how many policies are lacking I can claim everything at one go okay death confirm lah okay


but hospitalisation <mandarin>不是是吗:bu shi shi ma</mandarin> indemnity policy indemnity benefit indemnity okay


ah <mandarin>断手断脚:duan shou duan jiao</mandarin> lah <mandarin>这些:zhe xie</mandarin> [orh] I see okay


disability income policy so that means when I disable I get income still


eh <mandarin>不懂:bu dong</mandarin> esther <mandarin>有没有:you mei you</mandarin> leh


that means william <mandarin>那个是那个:na ge shi na ge</mandarin> lah partial disability <mandarin>的:de</mandarin> lah william <mandarin>他上次不是有:ta shang ci bu shi you</mandarin> depression lor then <mandarin>那个:na ge</mandarin> insurance <mandarin>不是:bu shi</mandarin> pay him money during the time he is not employed ya lah but still that falls under that disability insurance already isn't it


!wah!, very expensive ah, [orh] okay


why [orh] okay they don't want you to get the money from both I see


but then <mandarin>那个如果他是说看你的:na ge ru guo ta shi shuo kan ni de</mandarin> income for the past few years is there a gap or time lag let's say you have been self employed for on your own for five years


what is the basis or benchmark to calculate how much they need to pay you the monthly basis, because being self employed the I mean the income is very unstable isn't it I mean and if there are you know there are cases like let's say COVID cases whereby in some of them are actually not even making having difficulty making ends meet you can't be saying oh because for the past one year you have no income so I am not going to pay you money doesn't make sense


ya ya


, ya lah just go for the basic


ya make sense


that's true, yup


but to your point I mean even if you invest you can take it out right so, still a possible option


so they don't have to bid for the job ah


no but I'm just wondering how do they enter the market like you know if like let's say I'm a loss adjuster how do people get to know that I have this service I know so how do the company enter through insurer how does the insurer know which


company to appoint so is actually a very niche market why


but it's such a niche so specialised they can actually mark up high on their profit <mandarin>你都找不到几个人:ni dou zhao bu dao ji ge ren</mandarin> what isn't it


ya lah but this kind of loss adjuster is tapping on their skill a very good loss adjuster will be able to


investigate the details you know come to a reasonable conclusion or deduction as to how things have happened basically like a detective work lah


actually there's no lack of job what because everyday sure got accident so if you need the loss adjuster to go and investigate actually there's plenty of opening, ya so he can consider that also as a job option do you have to be specially trained


I'm thinking of robin what what job option, poly ah N-level cannot


<mandarin>找工作很难:zhao gong zuo hen nan</mandarin> ah Gankor, he speaks english what report I don't know lah


, Batam where got zoo how to come here and zoo now that employment pass they increase the salary some more you know how to get is too difficult


I'm just thinking over there what options can he do I'm sure in Batam you have insurance right I mean that is insurance company I'm sure they will need this kind of skill set also, so if this one the entry level is not too difficult then maybe is something that he can consider going


you mean is the only applicable to capital lah


I was just thinking what other Lobang


I was like !huh! ya the jacob that guy ya so I ask him give her some tips for inspiration <mandarin>灵感他可以去做他的:ling gan ta ke yi qu zuo ta de</mandarin> art mah <mandarin>因为他现在:yin wei ta xian zai</mandarin> produce <mandarin>不出来:bu chu lai</mandarin> <mandarin>他才:ta cai</mandarin> produce two to three leh <mandarin>他要:ta yao</mandarin> produce fifteen leh ya lor <mandarin>很糟糕:hen zao gao</mandarin> leh so <mandarin>现在:xian zai</mandarin> leave her alone lor <mandarin>让他有灵感去做他的:rang ta you ling gan qu zuo ta de</mandarin> art


up portfolio, life is tough especially for the kids nowadays poor thing


green lane is it


, but my boss very happy leh save a lot of travelling costs yesterday he said he say now with COVID ah we can see you don't actually have to travel to the site just to make sure the project is completed you can still finish the project using zoom using photos using video so save a lot of money why do people travel cause they just want to have that


one to one connection I mean it's a it's a good to have <mandarin>很好:hen hao</mandarin> lah but if you really think about is it really essential no <mandarin>其实不需要的:qi shi bu xu yao de</mandarin> lah


!huh!, so #dua zhong# ah


Chapalang Chapalang Rojak ya lor, ya lah mitigate the loss lah I mean with COVID there's less business but use this I mean cut cost lor cut expenses pay themselves can meh


how to pay themselves cannot justify lah can meh Buay Sai lah


ya so people are going back, but they are talking about the kiosk lah the coffee kiosk so originally ah the new building the fit up we have a proper very nice


coffee kiosk pantry <mandarin>很:hen</mandarin> Atas <mandarin>的:de</mandarin> very nice like super expensive


so I mean still have the vending machine all these things lah so discussion is about the design changes lor so now everything have to change mah <mandarin>没有这么大总就小型的:mei you zhe me da zong jiu xiao xing de</mandarin> lor, but even <mandarin>小型的:xiao xing de</mandarin> also have to submit for approval lor <mandarin>看老板有没有:kan lao ban you mei you</mandarin> approve okay mah ya lor


the closing date is actually on the eleventh of september so <mandarin>九幺幺之后呢我就要去:jiu yao yao zhi hou ne wo jiu yao qu</mandarin> collate <mandarin>那个:na ge</mandarin> feedback <mandarin>看:kan</mandarin> what are the areas to <mandarin>要改善要进步:yao gai shan yao jin bu</mandarin> <mandarin>到时候再讲:dao shi hou zai jiang</mandarin> lah ya lah but okay lah <mandarin>那个完了接下来是那个:na ge wan le jie xia lai shi na ge</mandarin> lor <mandarin>新的:xin de</mandarin> building <mandarin>的那个头痛:de na ge tou tong</mandarin> ah !aiyo! <mandarin>伤脑筋:shang nao jin</mandarin> the pope told like you seem lousy


so I'm sandwiched in between Kiap Kiap Jialat ya lor want to give info then how stuck lor


see how depend lah singapore condition lah still got cases leh ya lah Kiasu Kiasi one mah must play safe make sure you know if one employee ah Kena ah the whole office have to you know how to clean up leh <mandarin>很:hen</mandarin> Cham eh very expensive you know cannot cannot cannot


I've done an analysis for your insurance proposal <mandarin>你看一下:ni kan yi xia</mandarin> err so basically based on the needs right that you have shared with me ya so I was looking at either the whole life plan err whole lifetime that means you have to go you have to pay the premium but as cash value lah as compared to a term term <mandarin>是没有:shi mei you</mandarin> cash value


okay is a simple plan lah right so I found china typing is very competitive limited pay lah you pay twenty five years for the submission this this is the premium


actually <mandarin>这个:zhe ge</mandarin> amount <mandarin>加这个就是:jia zhe ge jiu shi</mandarin> critical illness, so it's about <mandarin>三万多块:san wan duo kuai</mandarin> lah ya you pay about twenty five years okay err advantage of whole life policies <mandarin>是有:shi you</mandarin> cash value


so if, the person die or some something happened TBD so in addition to the guaranteed benefit, it also plus the cash value lah, so <mandarin>我觉得这个:wo jue de zhe ge</mandarin> premier typing <mandarin>的蛮:de man</mandarin> interesting <mandarin>因为:yin wei</mandarin> up to age seventy hor <mandarin>他有:ta you</mandarin> err double


err for this china typing <mandarin>是:shi</mandarin> pay up till twenty five years plus three so is where sixty eight years old lah but of course if you want a shorter pay that means you have to pay more every year lah ya which I see is very impossible lah so I stretch out more lah


okay <mandarin>然后:ran hou</mandarin> this is whole life alright so the advantage <mandarin>有这个他是好:you zhe ge ta shi hao</mandarin> when if something happens to you right before you hit age seventy, err the benefit double you have a double benefit lah so <mandarin>原本是:yuan ben shi</mandarin> one point four <mandarin>是吗:shi ma</mandarin> your sum assured based on your needs lah so something happen to you before seventy seventy one <mandarin>他的:ta de</mandarin> death benefits <mandarin>是:shi</mandarin> two point eight double plus whatever cash value you have same for the critical illness <mandarin>原本是三百千:yuan ben shi san bai qian</mandarin> but if you hit by critical illness before age seven seventy one


ah, ya lah <mandarin>如果你是:ru guo ni shi</mandarin> looking at that at the angle lah okay


err ya


but term policy <mandarin>是:shi</mandarin> as I mentioned <mandarin>是没有:shi mei you</mandarin> cash value okay so is pure expense but what you get is coverage okay so difference between a whole life policy and a term policy err what we advise customers is okay if you prefer to have protection plus some investment element then you go for whole life alright if you are comfortable


err with just protection but you are good enough to invest on your own go for term policy K because you save on premium but you should have allocate for investment lah, yes I mentioned and discussed with you the <mandarin>那个:na ge</mandarin> inflation right ya inflation right is a hidden tax on money yet


so if you don't invest your money the value is gonna drop uh so I did analysis as I was thinking okay which is which is more <mandarin>比较有划:bi jiao you hua</mandarin> do I go for whole life policy protection plus some investment or do I go for pure term policy but I try to invest okay I tried to invest the premiums that you pay for this whole term policy


ah see which one is is is is better lah so okay <mandarin>这个:zhe ge</mandarin> future value ah <mandarin>是:shi</mandarin> err the total premium that you will pay if you if you purchase this policy singlife <mandarin>要放大:yao fang da</mandarin> mah


err to invest okay to sort of offset what you have paid ah


about sixty six thousand to get back what you paid for the premium for this policy, okay <mandarin>你看:ni kan</mandarin> ah ya but of course <mandarin>如果你这个:ru guo ni zhe ge</mandarin> the present value <mandarin>这个:zhe ge</mandarin> investments <mandarin>是输比较大的话当然你的那个:shi shu bi jiao da de hua dang ran ni de na ge</mandarin> years


you know for for this premium right but the the in terms of sum assured the leverage is quite high ah for relatively smaller premium, you get


what do you want the protection, so in terms of leverage of course term policies is designed like this because there's no cashback okay so you save on that lah ya, but your savings if you want to sort of like <mandarin>如果你觉得:ru guo ni jue de</mandarin> !wah! <mandarin>我这样给好像是就是给:wo zhe yang gei hao xiang shi jiu shi gei</mandarin> insurance <mandarin>而已:er yi</mandarin> mah is pure expense right but remember you you get a term policy you should invest the rest in buying term but you should invest the rest of your money ya don't leave the rest of your money idle


so, even though


twenty five years, twenty five years <mandarin>到时候几岁:dao shi hou ji sui</mandarin> ah, twenty five years from now <mandarin>六十八岁你已经:liu shi ba sui ni yi jing</mandarin> more than actually <mandarin>可以:ke yi</mandarin> cover what you have paid eh even before your policy expire


ya I men I look at at the anchor that's why <mandarin>要做:yao zuo</mandarin> comparison lor ah which one makes more sense if you are not so savvy investing or you don't want to invest


then okay you can park your money with china Taiping whilst giving you err good protection it also accumulates the cash value over time ah <mandarin>这个:zhe ge</mandarin> policy <mandarin>好像六十岁才会:hao xiang liu shi sui cai hui</mandarin> break even ah but you will accumulate cash value err after the second year second year <mandarin>就会看到有:jiu hui kan dao you</mandarin> cash value but it won't break even until sixty five


I think sixty five or sixty six years old lah ya err but then again the the attraction to me <mandarin>是他的那个:shi ta de na ge</mandarin> double lah ya so <mandarin>如果那个人:ru guo na ge ren</mandarin> Suay Suay during this period hor <mandarin>他是那这个:ta shi na zhe ge</mandarin> two point eight million ya then <mandarin>在加:zai jia</mandarin> whatever cash value he or she has so that's the that's the <mandarin>我觉得那个是那个:wo jue de na ge shi na ge</mandarin> draw lah


whereas <mandarin>这个是:zhe ge shi</mandarin> like plain vanilla lor, err but, if you are banking on I mean just to purely satisfy what you have already what you want the sum assured then you save on premium but use the premiums to invest use the premium to invest actually err <mandarin>那个:na ge</mandarin> life insurance hor <mandarin>他们的:ta men de</mandarin> returns hor it's gonna get lower


because life insurance traditionally right their investment strategy is not aggressive one I think about seventy percent is on bonds okay ya so theirs is conservative because they cannot be too aggressive MBS has some guidelines lah so


but if you are okay long term you want higher returns unit trust is the way to go lor, so on one hand


ah so <mandarin>他是:ta shi</mandarin> spread geographical is worldwide err also it depends on err commodities err now also got mining companies and tech stocks ah <mandarin>现在:xian zai</mandarin> popular <mandarin>的是:de shi</mandarin> china level of err china chinese investment chinese <mandarin>他们说那个现在很:ta men shuo na ge xian zai hen</mandarin> hot they see a growing a chinese technology and also <mandarin>那个:na ge</mandarin> digital pay


digital payment ah <mandarin>那些东西:nei xie dong xi</mandarin> lor because china is growing very fast in that digital payment platforms so ya unit trust one thing unit trust I mean <mandarin>每个:mei ge</mandarin> investment <mandarin>都是有风险:dou shi you feng xian</mandarin> lah


okay but also in relation to what other investments you talking about lah so <mandarin>如果你说:ru guo ni shuo</mandarin> compare to stocks <mandarin>的话当然:de hua dang ran</mandarin> stocks <mandarin>的风险很大:de feng xian hen da</mandarin> but return <mandarin>也是很大而且:ye shi hen da er qie</mandarin> stocks <mandarin>不是每个人都可以去玩:bu shi mei ge ren dou ke yi qu wan</mandarin> ya because you really need time spend time to study it


err but stocks hor <mandarin>不是看那个:bu shi kan na ge</mandarin> newspaper <mandarin>的这样就买:de zhe yang jiu mai</mandarin> stocks <mandarin>的不是不是:de bu shi bu shi</mandarin> those people who are really good in stocks actually they study the things like the P&L statement they study many many ratios ah <mandarin>不是叫你看那个名就去买:bu shi jiao ni kan na ge ming jiu qu mai</mandarin> ya so really savvy investor it's not like that one


so if you if you don't want to spend time studying the company looking at the the metrics and all that then go for unit trust lor because they have one professional fund managers who is the date and err is their bread and butter lah they have to study the economy they study the company the stocks day in day out and also one thing is diversification lor cause you don't is first of all it's also expensive to buy a stock right


COVID drugs vaccine <mandarin>还没有出来:hai mei you chu lai</mandarin> but there's a lot already a lot of err what do you call that trials along the way lah ya which looks kind of promising so all this will actually stirs stirs up investments err investors' confidence <mandarin>而且最近美国那个:er qie zui jin mei guo na ge</mandarin> fad


they pumping a lot of money have actually err US <mandarin>是借钱的:shi jie qian de</mandarin> lah <mandarin>跟:gen</mandarin> all over the world <mandarin>借:jie</mandarin> lah, then they <mandarin>那个:na ge</mandarin> fad the chief <mandarin>讲:jiang</mandarin> [orh] keep the inflation up lor


keep the inflation up, then I think err what's the effect ah


ya


err actually not safe leh if you keep putting in FD hor the <mandarin>那个通货膨胀:na ge tong huo peng zhang</mandarin> inflation will wipe it out make it negative return ya, so try to diversify lah try to diversify <mandarin>那个你的那个:na ge ni de na ge</mandarin> err portfolio ya so <mandarin>我们觉得:wo men jue de</mandarin> unit trust eh tim <mandarin>我跟那个:wo gen na ge</mandarin> friend !wah! <mandarin>他二十岁的时候就已经开始:ta er shi sui de shi hou jiu yi jing kai shi</mandarin> invest yes


ah cause one agent approached them lah then they use your <mandarin>他的那个:ta de na ge</mandarin> CPF lor invest OA <mandarin>跟:gen</mandarin> SA then <mandarin>我问他怎样:wo wen ta zen yang</mandarin> double lor even better than the CPF rate


and diversification ah, err <mandarin>最重要是你不要放进里面然后一两年后就拿出来:zui zhong yao shi ni bu yao fang jin li mian ran hou yi liang nian hou jiu na chu lai</mandarin> ah <mandarin>通常我们鼓励人就是放三到五年打底:tong chang wo men gu li ren jiu shi fang san dao wu nian da di</mandarin> lah <mandarin>如果能不用动的话:ru guo neng bu yong dong de hua</mandarin> okay <mandarin>如果你是:ru guo ni shi</mandarin> cash list <mandarin>的话你可以拿出来一些钱:de hua ni ke yi na chu lai yi xie qian</mandarin> but <mandarin>如果你不需要的话就让他:ru guo ni bu xu yao de hua jiu rang ta</mandarin> reinvest lor


I mean this <mandarin>这个:zhe ge</mandarin> analysis <mandarin>我是:wo shi</mandarin> trying to find out whether which one is more advantages lah, err <mandarin>反正:fan zheng</mandarin> you should do some investment lah yes


is guaranteed they have TPD and whatever cash value you have inside, so <mandarin>我觉得:wo jue de</mandarin> china Taiping I also can see some good feedback from my teammates china Taiping Manulife <mandarin>都:dou</mandarin> quite good ah or HSBC HSBC life also ya but HSBC I cannot access leh you know what I asking but china Taiping <mandarin>我的:wo de</mandarin> teammate <mandarin>他卖了好几个还有:ta mai le hao ji ge hai you</mandarin> Aviva <mandarin>他们讲也是不错:ta men jiang ye shi bu cuo</mandarin> Aviva retirement plan


ah, but the retirement I think should be okay lah now you just to cover your that time we did review right it just based on your current CPF savings because even pick based on current CPF savings or your retirement needs should be okay lah


ah <mandarin>这是:zhe shi</mandarin> cash CPF <mandarin>你可以用在那个:ni ke yi yong zai na ge</mandarin> investment ah you can use CPF for investment so even if you don't wanna use cash for this thing you can use your CPF lor


if you have if you foresee there's a huge cash outlay in the near future then maybe you consider using CPF lah


okay lah also can ah you can do double lah


up to you ah but <mandarin>你哪一个比较觉得比较:ni na yi ge bi jiao jue de bi jiao</mandarin> make sense, singlife ah


err in terms of strict planning ya lah you plan the next day the person die


like you don't plan the person die by age ninety or whatever seventy we plan the person die the next day that's the truth lah


hopefully these couple of weeks lor cause of the investment thing ah cause I need to I want to go in and, <mandarin>因为:yin wei</mandarin> price <mandarin>有跌:you die</mandarin> so before they go up again


it's a good time go up before it go up too fast ah, apple stock <mandarin>我跟你讲:wo gen ni jiang</mandarin> ah kenneth <mandarin>有:you</mandarin> apple stock ya I don't know where he I don't know how he got it ya <mandarin>我跟你讲:wo gen ni jiang</mandarin> ah apple stock is the most valuable stock in the world I don't know he when I meet him I'm meeting him for coffee later in the month


so then <mandarin>我就问他:wo jiu wen ta</mandarin> lor so <mandarin>你是:ni shi</mandarin> are you working for a company <mandarin>还是:hai shi</mandarin> you are still you own a company or are you a business owner then <mandarin>他讲他是:ta jiang ta shi</mandarin> still a business owner lah


I thought so leh but <mandarin>他讲他是:ta jiang ta shi</mandarin> he's the MD for this company, he have been in this business <mandarin>他跟:ta gen</mandarin> brother <mandarin>都是:dou shi</mandarin> director <mandarin>来的:lai de</mandarin> mah, his previous company <mandarin>他卖掉:ta mai diao</mandarin> then <mandarin>现在是不知道叫什么:xian zai shi bu zhi dao jiao shen me</mandarin> clique lah


err <mandarin>在:zai</mandarin> indonesia <mandarin>好像有:hao xiang you</mandarin> operation err he still drives eh he didn't want to give up his car he say he will drive to #toa payoh# then I told him oh <mandarin>你驾车:ni jia che</mandarin> ah then <mandarin>你就下来:ni jiu xia lai</mandarin> #toa payoh# lor <mandarin>好好好:hao hao hao</mandarin>


err ya so he does his investment I think he play some stocks also, and <mandarin>她就讲:ta jiu jiang</mandarin> lor actually singapore <mandarin>的那个:de na ge</mandarin> STI like boring singapore stock exchange


SGX ah SGX but actually STI <mandarin>是:shi</mandarin> like singapore local index like those local companies ah banks ah very Jialat one, not attractive one,


ya <mandarin>现在那个:xian zai na ge</mandarin> that's why lor <mandarin>如果你要:ru guo ni yao</mandarin> stocks <mandarin>的话:de hua</mandarin> you must be savvy lah you must spend time to study


but <mandarin>如果你是:ru guo ni shi</mandarin> rather that others help you then <mandarin>就是:jiu shi</mandarin> other things lor either unit trusts or ETF lor, exchange traded funds


ya, ya lah <mandarin>我是想很多钱:wo shi xiang hen duo qian</mandarin> that's why second option ya if you feel that


if you don't really want to park your sixty plus thousand every year for twenty five years then maybe term policy lah, but if you are okay with that if you <mandarin>觉得这个:jue de zhe ge</mandarin> protection value <mandarin>好像不错:hao xiang bu cuo</mandarin> even <mandarin>那个:na ge</mandarin> critical illness hor <mandarin>原本你的:yuan ben ni de</mandarin> needs <mandarin>是:shi</mandarin> three hundred thousand lah but <mandarin>他没有:ta mei you</mandarin> double lah by default


early intermediate <mandarin>跟这个:gen zhe ge</mandarin> critical so <mandarin>这两个都有:zhe liang ge dou you</mandarin> yes


err I can find out more lah but <mandarin>好像是:hao xiang shi</mandarin> leh cause <mandarin>他:ta</mandarin> cover <mandarin>的:de</mandarin> illnesses <mandarin>蛮多的这个让我看一下:man duo de zhe ge rang wo kan yi xia</mandarin> ah


interesting eh


then he actually you buy this kind of thing protection is for your dependents mah imagine now your son <mandarin>十五岁:shi wu sui</mandarin> next day something happen to you what happen to him until age twenty five what happen to your wife then your house the house you got mortgage protection lah his house HDB


I will ask him to buy lah I think he will lah, ya lor


ah so <mandarin>那个:na ge</mandarin> home contents policy has this benefit call the personal liability ya personal liability so what happen here likely will trigger


the home owners part personal liability, actually hor okay, okay so personal liability alright it covers the household members personal liability


err <mandarin>打个比方如果人家来你家:da ge bi fang ru guo ren jia lai ni jia</mandarin> trip and fall then they want to claim for damages then he got home insurance actually got have this provision yes ya which I don't think many people actually know lah err depends on sum assured lor <mandarin>蛮高的:man gao de</mandarin> five hundred thousand one million <mandarin>他都造给的:ta dou zao gei de</mandarin> MSIG <mandarin>的:de</mandarin> I think <mandarin>是:shi</mandarin> one ah


but in terms of triggering <mandarin>是:shi</mandarin> rare lah but this case I think is quite is a likely trigger lor <mandarin>因为:yin wei</mandarin> you cause damage mah to the neighbour err so if the neighbour also have their home insurance and they might want to they might want to claim theirs first then <mandarin>那个:na ge</mandarin> insurer if it's different insurer lah <mandarin>他们因该会:ta men yin gai hui</mandarin> seek recovery from <mandarin>这个瓜:zhe ge gua</mandarin> lor


it might be easier mah <mandarin>因为要等那个可能很久:yin wei yao deng na ge ke neng hen jiu</mandarin> leh <mandarin>对吗:dui ma</mandarin> my first instinct was of course a report is the news mah what is the cause of fire what happen why is your house burnt ya because not my fault ah <mandarin>不是我的:bu shi wo de</mandarin> fault <mandarin>是楼下那个:shi lou xia na ge</mandarin> okay never mind


ya that's the purpose what of <mandarin>那个:na ge</mandarin> personal liability policy is to cover your negligent acts ah but <mandarin>他不:ta bu</mandarin> cover your intentional acts lah


so this applies to that's why in a company ah you buy public liability and you should buy public liability ya so it covers your your you know the employees negligent act lor


so interesting lor nothing much, it doesn't come into the mind even after they work already for quite awhile maybe talk about insurance


err


talk about will writing, err ya lah <mandarin>但是事情发生的时候:dan shi shi qing fa sheng de shi hou</mandarin> then <mandarin>就:jiu</mandarin> Kena <mandarin>了:le</mandarin> lor


then as usual lor <mandarin>他们的保单全部都不见:ta men de bao dan quan bu dou bu jian</mandarin> lor then then err but online he can see lah but proper documents such <mandarin>没有:mei you</mandarin> lah so <mandarin>我就要:wo jiu yao</mandarin> send <mandarin>他:ta</mandarin> form lor then have to represent him the request for policy documents lor <mandarin>然后拿到之后:ran hou na dao zhi hou</mandarin> then <mandarin>就:jiu</mandarin> review lah <mandarin>就:jiu</mandarin> review then <mandarin>过后再去:guo hou zai qu</mandarin> either zoom <mandarin>他还是:ta hai shi</mandarin> meet him face to face ah go through his needs ah


err <mandarin>要问他:yao wen ta</mandarin> what's his budget ah but it's advised that err you should set aside either three to ten percent of your monthly income for investment for insurance purpose ah at least at least three to ten per cent ah and that's a that's healthy lah


ya three percent at least for protection for example death in TBD and medical lah


and personal accident plan also quite affordable ah personal accident no no <mandarin>他是看你的:ta shi kan ni de</mandarin> profession <mandarin>的:de</mandarin> when <mandarin>你买的时候他不是看:ni mai de shi hou ta bu shi kan</mandarin> underwriting lah <mandarin>他是看你的:ta shi kan ni de</mandarin> profession


so of course age <mandarin>也是:ye shi</mandarin> lah but <mandarin>不是:bu shi</mandarin> increasing term but medical <mandarin>是:shi</mandarin> yup that's why that time we <mandarin>以前我们买那个:yi qian wo men mai na ge</mandarin> apple eh <mandarin>不是:bu shi</mandarin> AIA <mandarin>的那个什么什么:de na ge shen me shen me</mandarin> apple ah pink of health ah it's pink of health cause we got the picture apple right that one was a very good product they they stopped selling already <mandarin>因为他们亏钱因为那个是:yin wei ta men kui qian yin wei na ge shi</mandarin> level term


all all CI policies the premium is not guaranteed one ya they will look at the I think maybe the cohort your generation loss experience ah but death TBD <mandarin>是:shi</mandarin> lock in ah ya so you just a disclaimer lah


but <mandarin>大事上应该是这样:da shi shang ying gai shi zhe yang</mandarin> lah, I mean as compared to hospitalisation plan hospital insurance <mandarin>他们亏钱:ta men kui qian</mandarin> mah let's say random customers <mandarin>可能他们就是烂用:ke neng ta men jiu shi lan yong</mandarin> lor


critical illness, is different critical illness is paying the sum once you are diagnosed the category for air base ya they paid the sum by then in the eye if they had to seek treatment from the hospital


that's where your <mandarin>那个:na ge</mandarin> hospital plan comes in lor


if <mandarin>如果你要:ru guo ni yao</mandarin> trigger all three policies <mandarin>就这样:jiu zhe yang</mandarin> lor so <mandarin>如果你:ru guo ni</mandarin> you can choose not to claim mah but why not you bought this policy


should consider claiming what yes applies to death at TBD also <mandarin>因为是:yin wei shi</mandarin> because <mandarin>这个是:zhe ge shi</mandarin> benefit policy


benefit policy <mandarin>不管你买多少个都是会:bu guan ni mai duo shao ge dou shi hui</mandarin> payout <mandarin>的:de</mandarin> subject to the terms and conditions ah exclusions <mandarin>不是那个是:bu shi na ge shi</mandarin> indemnity policy ya


ya <mandarin>所以跟那个:suo yi gen na ge</mandarin> work injury <mandarin>一样:yi yang</mandarin> lah work injury <mandarin>他有一个:ta you yi ge</mandarin> benefit portion then <mandarin>有一个:you yi ge</mandarin> indemnity portion right indemnity portion cover medical expenses until the limit medical wages is the benefit up to certain limits then <mandarin>那个:na ge</mandarin> benefit leh <mandarin>如果你是有:ru guo ni shi you</mandarin> permanent incapacity


err I think very few people ah


in singapore actually buy disability income policies it's not easy to sell partially disabled or temporarily disabled because <mandarin>你看这个:ni kan zhe ge</mandarin> hor <mandarin>是:shi</mandarin> TBD TBD is not easy to trigger ah <mandarin>因为:yin wei</mandarin> not easy to trigger but partial disability is a possibility that means <mandarin>可以可以:ke yi ke yi</mandarin> ya


if it affects your current work <mandarin>都可以:dou ke yi</mandarin> eh I think depression <mandarin>还是什么:hai shi shen me</mandarin> mental illness <mandarin>也是有很少人有的因为是蛮贵的:ye shi you hen shao ren you de yin wei shi man gui de</mandarin> ah <mandarin>那个看你:na ge kan ni</mandarin> income


then only covers a certain period lah the payout <mandarin>那是那个谁:na shi na ge shei</mandarin> try to sell to me mah


that one I need to some research lah <mandarin>因为:yin wei</mandarin>


I didn't want to pay for it leh I think it was like term lah no cash value one <mandarin>几千块:ji qian kuai</mandarin> lor per year then <mandarin>我的:wo de</mandarin> angle <mandarin>是觉得:shi jue de</mandarin> of course <mandarin>我是够:wo shi gou</mandarin> lah <mandarin>如果我是:ru guo wo shi</mandarin> temporary disabled because in the course of work then the workmen comp can come in mah right there's some compensation lah I mean I still get paid


my wages err to a certain extent then if serious enough there's a lump sum payment lah <mandarin>我是够那个:wo shi gou na ge</mandarin> lah but, disability income policies <mandarin>是:shi</mandarin> regardless of <mandarin>是:shi</mandarin> twenty four seven worldwide ah


I don't know whether they exclude, work injury


so this might actually be helpful hor for people who are self employed because self employed you are not covered under the work injury compensation act mah so if you want to you know protect yourself let's say you know you are sole breadwinner and <mandarin>如果你:ru guo ni</mandarin> kena some sickness then you out of action for a few months then <mandarin>你不能够去见:ni bu neng gou qu jian</mandarin> client <mandarin>不能够去做工:bu neng gou qu zuo gong</mandarin> then <mandarin>他就看你的以前的:ta jiu kan ni de yi qian de</mandarin> income tax statement lor ah then they will give you some some payout lah


, ya I kinda struggle with that lah


the take up rate is not that high, just <mandarin>尊重些的人只有几个:zun zhong xie de ren zhi you ji ge</mandarin> lah


but francis <mandarin>是跟我讲:shi gen wo jiang</mandarin> income <mandarin>是重要:shi zhong yao</mandarin> lah


I think, usually <mandarin>他们应该是不会:ta men ying gai shi bu hui</mandarin> fork out money for this lah


unless <mandarin>那个:na ge</mandarin> policy as I say if I go and study later <mandarin>如果他有:ru guo ta you</mandarin> some cash value okay can consider if it's just another pure protection you know no cash value then


money is limited lah ya why not just do more investment, just hope that nothing happen to me until what ah


ya lor lah ya lah


so ya lor <mandarin>那个:na ge</mandarin> guy quite funny lah <mandarin>他是:ta shi</mandarin> #ah beng# #ah beng# lah he used to be in the police force actually <mandarin>很多这些:hen duo zhe xie</mandarin> adjusters hor <mandarin>都是从:dou shi cong</mandarin> they got fed up lah working in the police force cause you need to do investigation mah


what's the capital lah I mean the company gets paid for the work, it depends on what the insurer call for ya the claims officer will activate lor err but <mandarin>有些那些:you xie nei xie</mandarin> officers ah <mandarin>像那些:xiang nei xie</mandarin> shopping centres


they have certain adjusters they worked closely with already lah <mandarin>没有他们是:mei you ta men shi</mandarin> company <mandarin>的:de</mandarin> oh through insurers appoint loss adjuster


insurer <mandarin>都是有:dou shi you</mandarin> panel <mandarin>的:de</mandarin> lor anyway singapore <mandarin>只是这几个而已:zhi shi zhe ji ge er yi</mandarin> mah <mandarin>现在只是剩几个而已:xian zai zhi shi sheng ji ge er yi</mandarin> it's actually <mandarin>他的是那个什么:ta de shi na ge shen me</mandarin> mclaren crawford <mandarin>就这几个人而已:jiu zhe ji ge ren er yi</mandarin> lor <mandarin>以前比较多:yi qian bi jiao duo</mandarin> player <mandarin>的:de</mandarin> but <mandarin>很难做:hen nan zuo</mandarin> lah so hope is lost


very competitive


ya lah but don't know leh the loss adjusters they also sold the business they also merged ya <mandarin>现在很多:xian zai hen duo</mandarin> insurer <mandarin>也是:ye shi</mandarin> merge mah broker <mandarin>也是:ye shi</mandarin> merge


ya <mandarin>那些赚大钱的是那些做:nei xie zhuan da qian de shi nei xie zuo</mandarin> property <mandarin>的:de</mandarin> you know like <mandarin>以前那个:yi qian na ge</mandarin> thailand floods hor


you know that time thailand bangkok got floods right then so many cars property damaged ya so <mandarin>那时候就很忙:na shi hou jiu hen mang</mandarin> lor, <mandarin>是很多工作做:shi hen duo gong zuo zuo</mandarin> lah


worldwide


no lah they will train you but is tough work ah, need some basic qualification <mandarin>很像是:hen xiang shi</mandarin> poly at least ah don't think so


O-level ah, he need to speak english you need to write reports


eh <mandarin>今天没有打电话给:jin tian mei you da dian hua gei</mandarin> Rika ah


!huh! <mandarin>回旖旎了:hui yi ni le</mandarin> ah oh no


okay lor <mandarin>快点过来:kuai dian guo lai</mandarin> lor


just open up that one and also for essential travel, ya that means that one


ex company also save a lot lah <mandarin>因为每年都有那个:yin wei mei nian dou you na ge</mandarin> US trip mah !wah! <mandarin>今年他们:jin nian ta men</mandarin> I think save a ah, yes <mandarin>因为他们:yin wei ta men</mandarin> is like hundreds of staff leh worldwide then <mandarin>去:qu</mandarin> new york <mandarin>要包飞机:yao bao fei ji</mandarin> accommodation the entertainment fees


you know hor


eh <mandarin>你们那时候那个:ni men na shi hou na ge</mandarin> activity <mandarin>完了:wan le</mandarin> lah <mandarin>那个什么:na ge shen me</mandarin> ideathon


oh Jialat


so office <mandarin>不能够回去了是吗每个人到明年:bu neng gou hui qu le shi ma mei ge ren dao ming nian</mandarin> ah


oh ya lor <mandarin>还是有:hai shi you</mandarin> community cases


ya [lah]


sorry sorry, okay so summary, okay so if you guys are listening to this I'm sorry but please don't judge please don't judge our situation now okay so


what were uh we were talking about this and then we we got reminded that wait lah we got reminded wait wait wait we got reminded uh that you know we could have used this time, when we were talking to record this so ya so in a let me just summarise


K you summarise you practise your summarising skills, I am not confused


okay I am not confused it's just that , how do I say this, send him me, [orh] sorry sorry please accept us


fuck


I think he's just being nice, and he is nice that's why I am fond of him, it was my birthday what it's not macam randomly


at that point of time no, hi no as in we were talking already but it was before it was


but that was back, then like a few months before,


K ya no


yes, me, I feel so attacked


no that's why that's okay so one thing that , I think I'm defending him lah but one thing about him is that you know he takes his time you know and he doesn't he wants to date wait wait wait, in a halal way so in a halal way means right you know


ya I mean okay okay, please don't talk about him now talk about like we talk about me ya ya ya wait wait talk about me now my situation so, I am currently interview eh uh sorry ah uh please don't think please describe yourself okay so


one thing about me right is that I know I am still studying and I still have two years left, but then I want to work on myself, but then I still want to make friends you know even with the opposite gender just to you know ya wait just to make just you know


just enjoy my time with them and then like there's no pressure and whatnot so with him right there's no pressure, even because I know myself I'm, even when I talk to guys or talk to my friends or whatever ah talk to people right I will take sometimes I will take hours just to reply them it's and it's not that and it's not that I am


and it's not that I am not interested it's just that I am just tired, I'm just tired I I mean I can admit that you know if I really care, I am never too busy for you but at this point of time I I acknowledge the fact that you know I I am still in that in that situation so that's why


whenever like we just talk then don't talk like that that kind of thing right I understand why, and I don't want to you know put a lot of pressure so okay so why we were talking about this even


uh I did settle for that kind of guy ah which was stupid ah bloody stupid ya I I mean no lah but then that's why so, as of now I I wouldn't want to think macam okay you know wait wait I wouldn't want to think of you know, if this is how he's going to act during the relationship blah blah blah that puts a lot of pressure into this this this this dynamic


so at this point of time right macam I can enjoy doing my things without having the pressure to you know to talk to anyone but then, if we set a plan we've already you know plan something then we go out then I will just enjoy my time with you


ya I will just enjoy my time with you then okay bye bye thank you for the day blah blah blah, because there's no pressure, if I ya if I, really like you then I want you to accept me as a date wait as a date and


then I would feel a lot of, I will feel ya I will feel a lot of pressure just to ask him because I know that there's a risk of me getting rejected


I know the game then that's why now, okay so the whole point is no pressure no pressure I enjoy my time with you when I when I'm with you I spend my time with you


that's why I'm not dating them, I am what when we are together I am getting to know you


I don't want to touch the relationship I mean I know his past relationships and all, that's why I'm the friend now, then what the fuck am I


thank you for listening to my TED talk


I understand, ya understand it's just that, uh okay so now I'm just telling you that, even though it is my first time asking a guy out


even though it's my first time asking a guy a guy out, if I don't feel like you know uh uh it's a huge step for me because right, I don't I don't take it as macam you know I'm asking you out on a date


I'm just asking you as macam to hang out lah you know because, I enjoy my time with you then you know I just want to enjoy another time with you lah I know that's why that kind of thing that's why there's no pressure


flirt ah don't want lah don't flirt, , I mean I can flirt lah but


that's the thing because right , no lah, no no no I I oh


I do lah I do you want see meh the text I say, he cause you know why he ask me, is it not weird that some , we we we rarely no, he told he ask me is it weird that you know we don't


we don't often talk, we don't often talk but still meet !wah! I forgot lah what's the text something like that no no wait lah you you want me show meh wait wait wait can show or not, but I'm showing you got proof eh okay so


I I remembered my reply I told him that it's okay lah I don't mind you know not talking always because, with I know that I understand that you know both of us has our have our own lives and both of us are busy and like wait wait, I tired and then


and tired and then, err so when I am with you I enjoy my time with you so it's okay lah it's fine it's fine by me ya and he said the same thing too, what the, how is that how is that


that is the same thing as what you just said to me but in in different languages, wait I show you I will pull the receipts,


uh, uh ya, ya, I am married kidding


to my job, to my job


okay okay err, I get what you mean ah I get what you mean, ya, then what


K lah and when I meet him, I'll go unlock ,


he's just being nice, I like nice guys, no lah he I I can I can vouch that he's not, that nice,


he is not that nice, uh, ya, I am blinded I need contacts I need I need specs I need visual aids


if I can have braces on my eyes I would, eh ada tau, the wait wait wait joy joy got say there's this, lens that you use yup it's expensive lah and it's stupid also because like, I think that there is still a risk of you you know


hurting your eyes, ya and it only last for what a a few years, then you're back to being blind


, , okay okay anyway


don't be an idiot, okay you know what I'm just drill him drill eh


can meet together or not , can ah drink tea, drink tea on my patio patio patio


gape gap gap what, [orh] no lah he knows my family background what, no it's because he knows that I'm I'm pursuing my degree now and his academics is not


in par with me, in academic wise academic wise he's he's not there


, what ,


how can he say how can he, think that when he's, because I think you know what, is it's ego lah you guys


the thing is about him right I don't think he has a real like really really correct like a real relationship before because right, the the the wait the ex the the ex the official ex that he was with before right cheated on him but then when I got to know how they are


during that relationship right I don't think it was, a real relationship I'm sorry lah but , that was like during his teens lah like I think eighteen nineteen, ya that's why then after that, eighteen ya but then when I heard about the relationship right I don't think it's what


I would consider as a real relationship, I think some app, dating app, I don't know,


okay so, eh wait is, is Muzmatch new, is Muzmatch new, I think so


ya, I mean I I never use before lah so I don't know


[orh], fuck you okay


are you talking about the girl or him, the girlfriend that cheated on him he met from Muzmatch, not really ah I mean she cheated on him after all how is that religious, because she's not over the ex before


she met Hakim, like she was still friends with the ex which I think it was fucking stupid because, how can you be friends with an ex


I wouldn't say I mean we went out a few times before but we have never read as in I wouldn't I don't know okay fuck it lah you know what eh what with Amin eh


I dated Amin before but then now we always go out but with Syafiq lah, really meh, even if even with Syafiq even with Syafiq, okay, once I tell once I


ya, what if what if err when I hang out wait when I hang out with Syafiq and Amin right because


err then I bring the guy, can ya then can what, [orh], I mean ya lah I I get it but usually when I go out with Syafiq


or Amin right it's always both of them is not one even if, !huh!, me and Amin no ah we are friends even though we dated each other, uh he's not


so how it ended with me and Amin is that he was the one who ended it ya so, he didn't say why but he told Amin eh he told Syafiq it's because like he feels that uh he's doing all the work and then I I, I am not reciprocating his efforts but I don't think it's it is that


but then I, I don't think I acted that way eh, Amin now, back then ya I was fond of him that's why I'm still friends with him, why


Syafiq, Syafiq I've been friends with him for more than a decade already eh, ya I mean


ya, so even, no but if if if, but is when I go out wait when I go out right it's not only like individually what is both of them


how is that weird, ya ya I going out with Syafiq and Amin bukannya dua-dua orang macam kita dua [jer] [pe] it's not like that


!alah! Rilek ah I still single what I still enjoying my time here, ya lah then fuck it lah lose lose ah , what


sorry


ya I mean with Amin, with Amin I I think there's a possibility that we will fall out because of our history but with Syafiq I don't think so lah because we were friends like way way way way way way way


ya, with Amin no lah, he knows eh that I I dating around all after him, he knows he knows all about the dates that I went


we friends already we friends what because we are friends you know why cause Syafiq is our mutual friend, so wait ah, eh I make him laugh eh funny as shit man


, ya


Syafiq which one, Syafiq,


, , okay wait wait wait how did we get to Amin ah , wait Amin


ya lah, ,


(mmhmm), (mmhmm)


, (mmhmm), okay lah I will try lah this monday when I meet him


, portrait the fuck , , ah


(uh huh), ya, ya


that was ya okay okay so after the the ex right, !aiya! I I give people the benefit of doubt lah, so anyway so after the the the the the the cheating case


then he dated this other girl, which was his no which was his ex primary school they bump into each other not they bump lah I think, they had a primary school reunion, then they met so that's


that was when, that was this one ah this one I think last year, last year or last two years, I think so, ya, eh no no no his relationship was just what eight months


ya, ya so the, ya then he dated this his ex primary school friend ya so, this girl she was the one who ended


with him because this girl is much more religious than him so, this girl you know macam pergi date semua [kan] he she doesn't even want to be macam macam sekarang kita tengah lepak dekat macam playground gini kita dua [jer] [kan] let's say you are a guy, she doesn't want that


is tetap macam korang dua orang [jer] [kan] in a dark place also she she's not comfortable with it so, her mindset and like the ex mindset is that if she likes you and


she wants to tie the knot she's ready to settle down, but this is the thing that I am not sure because, I think she has already said lah what her intentions are and what she wants in life, ya which is very good I'm very proud of her to you know to know what you want in life and but


, that's the thing I don't I don't, know why he didn't pursue that, how should I don't know I never ask


how he ya, ya so dengan dia [kan], ready to settle down I think lah almost there lah but, but then if he is wait wait if he is ready


like you know as in his mindset, whether he whether he is ready or not, for me I'm not ready I'm sure as hell not ready man I need a few more years, to marry ya, wait wait wait ya so, if if I think he really likes this girl lah but then this girl wants to get married


but I don't understand why he cannot pursue that, , when she wanted to break things off


that was her reason ah, ya, uh I never ask for details


, you know when they first went out right, he asked for permission from the girl's parents, really ah I no one has no one has asked me


at all, [orh] ya, (uh huh)


(uh huh), (mmhmm), [orh] okay


(mmhmm), ya, (mmhmm)


ya but when he did that it wasn't with it wasn't with the Muzmatch girl it was with the primary school girl, ya, ah, !oops!


!huh!


acts of what passive aggressive ah, [orh]


it's weird, in the media


oh, ah


because before this we talk before what and we clicked, got lah then, no message,


(mmhmm), (mmhmm), what position okay so now I'm just enjoying my time lor, ya I am not in denial


, transcript,


I am not in denial I am fond of him, but the thing is I don't want to put any, ya I like the company I love the company,


(mmhmm), ya


what no I'm not in what, what position am I in I'm just, really meh you can see the stars up


, ya


okay okay I can Chao, ya


, (mmhmm)


me, , (uh huh), [orh], okay lah then we see how lah, sorry I not crying I'm just I I yawn


Rashid nama bapa nama bapa-bapa sia ya ya but anyway he was, he did all the things that I would want, ya, and then it's just that there was no chemistry and I just don't like him eh ya so even even like that right I was already on the fifty fifty then he did something that I really


I really I was really pissed off lah so which was wait wait which was he did ya he did something then, from then on I just cut him of because I I'm not fond of him, even though he was all the he has all the qualities that I want in a man


for the picnic, no for picnic macam picnic you have to err by the mat and then the the the, it is good that's the weird part, when I told when I told people about this right when I told my friends about what he did ni semua [kan]


he was a perfect gentleman he was all the things that I want in in a man, but it's just that I don't click with him and I just don't ya so that's why aku cakap dengan kau my tolerance is really, meaning macam if I want to cut you off I will cut you off because I don't like I don't give a shit about you that way


but the thing about him right even though macam gini [kan] I am fond of him


I think he I think he is charismatic , , ya


and then, (mmhmm)


, I'm gonna die


ya, ya lah I I agree with you okay see lah how on monday I will update you, maybe on monday I will go back to the office saje [jer] eh I mean


cause ya, ya lah, !huh! no no I I'm not dating anyone what


my my my stand now is


, , ya


okay,


, I didn't what, I'm not I'm not I can tell you that I'm not I know I live in denial but I'm not


at at this point I am not, yes, but I'm not


, , okay eh later when I go out with him you you be my, no no no, you know like spongebob patrick patrick insult him ya


no lah kidding lah anyway , okay lah see lah how on monday like


ya lah ya lah


wait I want show you that I think it was yesterday night, yesterday night, yesterday night right , uh uh sia eh !siala! okay so yesterday night my my brother ordered this pizza


my my brother ordered this pizza and it was damn nice so I ask him lah what's the pizza flavour, then he said okay then uh he said some roasted chicken then it's not I I saw I saw in the Pizza Hut menu there's no roasted chicken


then he send me so it was actually a cheese and, I think cheesy chicken but he removed the mushroom and the pineapple so it was really just, cheese and chicken and it was damn good so I was thinking, no hint kau ah so I was thinking right I would want no I would want to get that for dinner later


!wah! I damn hungry now ah but then I very hungry now but then, my mum cooked, ya ya I will eat my mother my mother's cooking lah so I was thinking when should I eat that maybe tomorrow


!walao! I keep thinking about it eh, ya tomorrow is saturday do I need to, wait I was thinking if I I also need to pee


eh you can find or not to #ang mo kio#, CI go CI close already nine fifty already, ya, !walao! uh okay anyway , I was thinking if I should


if I am supposed to wake up !oi!, if if I am supposed to wake up early if I am supposed to wake up early tomorrow morning if I don't, then I was thinking if I should eat, the pizza while watching movie eh my my friend ask me to watch the the something shit lah I forgot sia what is the title but but she said it was actually


not funny but when she watch it it was funny ya I don't know I think she fucking weird lah, uh what tickle, what oh sorry sorry let me check what title, can oh the eh the paramedic, the paramedic kat Netflix


eh anyway you guys if you guys are listening to this I think you should watch that, my friend said is good lah so I don't know she said that the ending was funny even though I think she thinks that it wasn't supposed to be funny but she laughed, so ya so when she, so she was asking me eh you go watch ah to see if it's funny or not she don't want to laugh alone


see ah FOMO sia FOMO ya, ya so that's that lor, !wah! I damn hungry, eh got the bread eh oh ya later I need to go shop


buy bread buy bread and cigarettes, I think I want to buy drinks also, nowadays I feel like drinking you know sweet drinks, no lah eh you know the past few days I keep shitting


I kept shitting you know why cause of the fucking lemon water, ya eh then adeline was asking me, eh you drink lemon water ah nice ah then I say nice ah ya you ah, halal you ya it will make you shit in the morning eh really ah


you know how adeline is right ya really ah, lemon water everyday how many slices, one slice ah or you want two slice also can one slice sometimes a bit bland say really ah okay I try, so I influence a lot of people sandra beth, adeline


I can do your marketing for you fake no kidding, just kidding, ya, ya I still an intern eh I'm still a student


ya, eh we should talk to each other not to the to the fella listening to this, with one stone lah [sial] with one bird !walao!, you kill the bird already then you kill more bird


ya eh so what did Aziq say ah what did Aziq'S mum say, the divorce part, eh ya sia eh what happen ah nevermind it's okay


ya okay, so, not mine hers


it's about a situation


so basically she she is confused if the guy that she's talking to right now is just a friend or someone that she is she is willing to pursue, until they die , okay you talk talk talk to me okay talk to me


so okay so what happened is this fella send him a photo okay so let me just talk to you okay cause I scared they will like not accept us if we talk to them so okay so number one, please accept me


portrait malay portrait of you, !oi! if he send you a portrait, it's sus it's very suspicious


any human being that were to do something that is out of the norm, that is going way, bro has he ever met you before


at that point of time no so we we shall stick to no okay so, ultimate red flags a normal person will say hi, not send you a bloody picture


you've never met him before how why is he investing so much time sus sus that is sus, have you ever ask him have you done this to another girl before, a lame ass will do that I'm sorry straight up, cancel the recording


exactly let's be real if, okay we had we had a very bad history where we were at uh one of our lowest point of our lives where we we we don't really , check and keep ourself in check in in terms of morals but that is in the past you've used guys before okay so don't act as if you don't even


feel like it's very weird for you to do something without even knowing them fully, you see a damn guy you like their attention but you don't want them what the hell do you do go above and beyond because you don't give a shit about the feelings correct, why is this fella going above and beyond when he doesn't even know you that is red flag because that means you don't even you go with


head first, without thinking about the qualities and stuff like that, has he ever dated before, the fact that you're not mature enough to understand that relationships can go downhill quickly and you still, desperately want to go into a a a a a


not you the fella the fella the fact that you've already, the fact that he was already in a relationship before yet he still not cautious, to be in a relationship in his future relationship that explains a lot where is the maturity


, I take my time also but I I, you have to put that shit aside bro


why you talking about him okay K K K K, ,


then make friends, , have fun


!wah! ya I can vouch for that, ya actually you're not interested ,


am I right to even assume if this is how he's behaving right now, if


and if if this is like a uh continuous pattern, where if you all fight MIA you want to settle with that kind of guy, correct so do you want to make the same mistake,


babe, correct so, baby girl,


but , listen first stop first he's the first guy that you've ever asked out to ask to go out and then secondly, bullshit


I ask you simple, pressure, but that's the thing I feel like if you've used people before you should already have that confidence


understand what I'm saying to be smart about it I'm your friend but I'm hitting on you, no you know that that's that's how life is what okay so life is don't judge me I I'm right so if you think I'm wrong keep your opinions to yourself I'm kidding no as in


this doesn't match he takes his time knowing someone he sends a portrait to someone doesn't make sense, if you take your bloody ass time you already invest so much and and he, you know the games lah bro


can okay no no no no no, this is one of the major mistakes that most of my friends make, you date someone you know nothing about them once you start dating them when you already


you but you're you correct is good that you're not dating them but you never you're not even getting to know them, no getting to know them in terms of how do you deal with relationship not about the family and stuff like that, because that don't mean shit some people out from like fucked up families but they still know how to handle relationships and how to prioritise that and also


ya that's why I tell you be a friend once you be a friend the person is vulnerable enough you are not, you are the piece of shit in the no you, denial


stop the recording , understand or not


ya understand you just that, do you hear the crickets


taking it slow


that's why you just all out flirt, a lot of flirt, please lah muslim or not as in if you are or not the the, , no correct no I'm not saying in terms of flirt when you're with him touch here all these that's the fucking boundary but if if you are texting show that you like


understand show that you like, say just say listen if that that's what I'm saying people, tend to think that if you are my friend I treat you differently, how the fuck do even become your friend then no listen listen no you listen


when you talk to him like a friend that is when you get to be your most vulnerable self, that is a playful thing correct


but at the same time it will bond you guys together because he has affirmation that eh she loves my company, that means I'm I'm I'm secured enough to just bring it one step forward so you're not even doing that you dumb-ass you're not even texting him


that you send a portrait ya it's weird, ah see lah all the bullshit all come out , cannot cannot cannot they say cannot be distracted mah so you pull out your memory cannot cannot nevermind it's okay


exactly why are you talking as if you are his girlfriend, what that is how you talk when you're want to see how is that, what, what you talking about


correct because I don't want to fuck you that's why you no no don't don't later they will disqualify us listen this what I'm telling you, you just like what I say use your flirting skills when he say that kind of stuff, when he say that kind of stuff that is when you should tell him, ya exactly so why you not talking to me that is a flirt you leave the person like eh !siala! why she talk like that she want me flirt to her ah (oo) La La so that's when kalau kau dah cakap macam asal kau tak berbual dengan aku ya exactly kau tak nak berbual aku [pe] kau busy sangat [pe] I'm not that important


it's a joke right if you say I'm just his friend but you know deep down you've ulterior motive correct so, you say that shit when you are in a freaking relationship you sound like a married woman, who the hell says that, to what to your thoughts ah denial


even if you're in a relationship you wouldn't fucking say that you will say that I think we should plan a day that is special for us and just go out cause I know you've been very busy, you don't just say I know you're busy lah so it's fine K stop oh shit that means she doesn't want to talk to me


you know what I'm saying that that is the flaw in you and you want say like I have I have I got you want I pull out the receipt or not don't need to pull out keep it in your damn pocket, laugh laugh some more,


and then sorry it's just me farting, then then do some other shit lah bro like, ya ya you have to, no tak when you meet him


question him why did you send me the portrait when you don't know me then after that question him do you do this to other girls before that how did you meet your first girlfriend, who else have you send this shit to we might not know for, for a fact he just play these games and those those previous girls reject him, we might not know sorry any guy who does that immediate rejection for me


no you have no self-worth if you do that you have no self-worth, shut the hell up men who are too nice manipulative, are you kidding me bro I have been manipulated that's why


!huh! okay K K I agree I was shaking my head just now, what you mean, in what sense is this a joke like he's he's like playful to you that that is what you mean by that's bullshit shut the fuck up go and stop stop being so fucking blinded really really


, twenty twenty , expensive what


still can get blind, being a blind ass bitch, ya lah if never take care lor, ya ridiculous unless you like sixty and then want to die soon lah


I want to see the world clearly before I die so I take my last breath make sure my eye open, stupid joy I kidding joy if you are listening to this I don't mean what I say, okay going back


so don't be an idiot, ah sorry lah it's fucking sus lah it's sus very sus very very sus, ya no because to me is like you want to live in denial, if you don't like him I don't mind but you already ask him out


and not even ya like I said if ten years down the road you ask your boyfriend can I meet him your boyfriend ask how did you met meet him he sent me a bloody portrait he knows for sure this fella was head over heels for you he's not going to get you near him, no lah for what drink tea


don't be a fucking idiot you're a fucking idiot, maybe maybe that's why that's why he keep saying that like oh that's why we ah got gap got gap if you are fucking twenty three you're twenty three right if you're twenty three you have that kind of mindset who raised you


like gap lah macam he probably thinks that kau macam lagi kaya or some shit like that right, you are just, correct so why why must you say that that means you are not working hard enough for you to fulfil yourself in terms of confidence


what is it is it that you are a if he get you then what the he climb up the tier is it which is disgusting what right


no like is it like macam is it, like a a are you a trophy which okay I'm not saying that, then why does he speak like that


how is the previous girl let's be what is the previous girlfriend like how is she, the previous girlfriend


so how many years and when was it


eighteen nineteen is, no it's not young it's not young what are you talking about it's like, a relationship okay a question okay so how did he got with the girl how did he get with the girl


some app what app, muslim, sus, what the fuck oh my god, oh my god why wait what it's just let to me specific Tinder atau uh Okcupid


I've I've use it before ya so I have a strong judgement, Muzmatch is muslim, he use he use muslim one ah, okay a lot of vulnerable people, so, the fact that he


to to the tee punya macam this one really my mother and my father must know if I go out date with you must bring you home must tell mummy daddy that is okay that's fine if you have the maturity of


we're going to go out on dates and if I were to speak to you it's official, like there's no such grey fucking area of, (hmm) I'm the friend but I ask him out he's the first ever guy that asked me out so no but it's real so, that that's why to me you've went out with a girl


you've been cheated on you went on the app lah correct right, and then after that now you behave in this very desperate manner maybe because to me so many other guys don't fucking do that but obviously, him he's weird


okay so the girl is what religious also, how why and why


how can you be friends with a friend that dated you and send you a bloody portrait, who's Amin which guy


Amin abeh Amin, okay ya what's up with him, which is still sus to me, right now it's fine listen it's fine because you're single


it's not fine once you have a boyfriend, correct ya this shit will end bro it will end if you really love your boyfriend you will listen to your boyfriend hundred percent if your boyfriend say tak nak kau you won't kau tak akan break up dengan mata air kau just to lepak dengan budak Syafiq ni that means you're saying that this fella is much more important than that guy


you are giving yourself a lot of bullshit, but you're single so it's fine, can, can but


is there drama now with you and Amin, okay so he got say that he's over you and he's not dating another person or did he give like some vague answer


so you friendzone him, so what do you like him, no back then, babe you fucking weird, you fucking weird because once you have a guy these are not your friends anymore you are just making yourself lose friendship serious


serious, then you won't lose him but you will lose other guys that you've dated before I would never let my guy, get close to any motherfuckers any girls that ever fucking went out with him, okay I'm not possessive ah listen ah okay I have my boundaries but it's just weird


let me ask you now, which is weirder bro, if you have a boyfriend


now I ask you he say okay I go out with a girl I've dated before with another girl that is there, how would you feel exactly my point you cannot be very oblivious about this thing you're going to lose friendship you are already losing it bro, you have to pick your battle choose one what the fuck, because this is my criteria to my my boyfriend


correct obviously you can say but think about the long run you're going to lose them either ways, so no that's why no that's why to me is, , to me right if my I I just I give this


I'm very liberal it doesn't sound like throughout this recording but okay, when my partner were to tell me oh I'm talking to this fella , and then after I say okay , how did you meet her, and then after that oh through Instagram, this girl is trying to get to know me immediate no because to me


you can what is friends is if got fate make it, uh fate eh that you and this girl fucking one out of how many billion people in the entire world but you, physically met that that fella you all had conversations you all click she was there at your lowest when she was there at your lowest she gave you time


give you motivation to bring you up when you were a piece of motherfucking shit, Platonically as friends, I cannot touch because that person was there for you I'm eternally grateful, you can hang but I must also be introduced and that that fella also then that's the part where where once I'm in I give the green light I meet the girl and I need to see for myself


if she has any ulterior motive because let's be real anybody that we date were, people who are possible candidates right why didn't I I date you


you are playing with fire you let your partner date hang with a girl that they dated before, you are just going to lose lose what if one day you argue with your partner then after that he go and text the girl


and then after that the girl say ya for what also you want to talk to her it's just going to add it's fucking toxic unless you become friends with the the, no no such thing as date sorry for me is bullshit because you all she didn't give you any benefit let's be real people are selfish and you know your own motives if you don't like that girl that girl probably likes you why must she even give hope to that fella


to that girl even if she date already what then her boyfriend don't give her the self-respect meh to like just cut off guys that she date before right, so the thing is you need to be and ah if you want to talk about F uh ah friends friends I got a lot of friends #lan jiao# lah must be one of them must be your date meh


like you don't have any workmates meh you don't you're not motivated in life, no you are single so it's fine but you already setting yourself, for hell basically because no lah it's bullshit lah if your partner do that to you I I mean you can take it meh


no because you don't give a shit, which is even more weird because but is weird because then what if you're giving him hope and


if okay a guy that I, correct and the fact that he still wants to stay when you give nos no purpose at all


so doesn't fucking prove anything like you don't give him money you don't give him time you don't give him knowledge, you make him laugh for fuck, correct correct you make him laugh you make him laugh and for fuck that just makes him even more attracted and loves your company which makes your boyfriend feel a bit what the fuck


why are you making other guys laugh especially the guy that pursued you before, so same thing if if if my guy, I'm not gonna lie I I'm I was insecure but now I don't give a fucking shit because a lot of girls, texted him like I really had to go through that shit especially when my my relationship back then was was private


I had to go through that shit and I learnt that actually , if my the, you shouldn't get angry at people who date your boyfriend you should get angry at your boyfriend for not knowing how to act if you act this way you think your boyfriend will be, would would not get mad with you meh he will get mad what pasal kau dah kau dah pernah berbual dengan dorang and and the way that your and your boyfriend will probably be pissed off because


the way that he get to know you is probably the same way that these motherfuckers did, he's not gonna be and this is bullshit eh if let's say you went out with this fella and with, Syafiq the one that you never date what Amin Syafiq okay so Amin is the one you date before


so if you went out with Amin and Syafiq okay if your boyfriend were to say nevermind at the end of the day she comes back home to me, let's not be fucking stupid humans will interfere with your relationship humans can just say any fucking shit I've met so many guys that desperately wants my hot girlfriend relationship to fucking break


so they pretend to be that guy friend that is close to that girl and then he's not not for you ah eh just break up ah, then after they get close date which is I know motive girls guys I don't, hate on anyone but if you are stupid on your actions that's the part where I have to call that bullshit eh like bro what the fuck you doing you know and I'm not saying that you are stupid obviously you're not is the guy the guy is stupid because


if Syafiq keeps telling you eh lepak ah lepak ah lepak ah when the first meeting problem starts with eh I didn't before sia there's there's gonna be this part of like, eh I got talk to her before I got date her before oh now she talking to that guy ah, sad or it's weird sorry it's weird, to him for him


ah you ah , because you are you trying to say that oh he's just a friend which is not like if if your partner ya you say that your partner do the same thing you're not gonna accept it


and then you want to ya lah me, that's why I'm telling you this this this fella is not a friend so you have to this Syafiq eh no Akim guy Akim Akim you need to just, play your game well just say lor like, flirt to text not to sext


things that make him feel like oh she really wants my attention like eh kau tak berbual dengan aku eh dah lama tak rindu [seh] or something like that so, it's not haram what I mean okay it is haram because you have the intention but then


to make it quick to because you don't have any balls to be like can we just date cause I know you like me no desperate motherfucker would send me a portrait so ah shit I still cannot get it out of my system, that's weird as fuck so like he, you straight up ask him you got send any other girl portraits or not


if you're not if he say like you sound like you're jealous shut the fuck up weird fuck you are the one who's fucking weird so you tell me now do you send any girl's portrait, and is not sense of controlling it's because you know, how humans manipulate and the things that they do sometimes if a guy were to slap your face they come back they apologise give you ten thousand ring you will say okay the effort is there


people go through that shit so I don't want you to be eh he send me that gift is a good gesture I can also say I send you fucking ten apples good gesture you eat that shit is rotten what right, so you need to understand I know I have three I have three boys in my house, all of them are motherfuckers back then I know all the fucking tricks that are up their sleeve it's so easy to


here's the thing, when you get close to a guy they start to become vulnerable the real side of them come out so when the real side of them come out that's easy for them to be like K Chao, you know what I'm saying so if you like if you start to feel like you're agitated and you like him and you start to miss him, make it happen when you guys are dating so that when the red flag comes you are not in a relationship for you to just like if you are in a relationship you cannot let go what


but if you're dating you can let go right so, so many of my friends are ya officially dating this guy, and that is fine because we are dating mah officially you're officially dating so, ya some people date two to three people ya that is using ah but, some people that date their their their partner officially it it it gives


how to say ah people will lie to impress you so you need to be smart lah for me for me is like, I don't like people who lie I don't like people who chase after me I don't like people who like macam step uh apa ni eh uh like you can flirt lah but then like, at least have the sense of intelligence when you talk to me because if you if you're trying to say that uh you are insecure or whatnot sorry go to a fucking therapist I cannot fix that


eh eh uh no if I were you, I would further macam I would pursue him , for me to find out more red flags, so, !wah!, still not exact


ya just ask all the fucking shit as if you are you are interested in him, if there's this intense heat where he feels like okay maybe she's the one ah like I like her morals and stuff like that and she shows some some interest to me I think I should date her


so then when once he say that and you say okay, pattern all come out, weird bro portrait the fuck, like it's either you are a good boy atau you are manipulative, it's weird, it's weird bro


imagine eh if you didn't you don't get with him, you get with your boyfriend that is way more fucking secure, he will shit on this motherfucker bro


obviously you want a guy that chase after you but not a guy who doesn't fucking know you, what what if he does this behind your back don't know that girl fucking pretty send her portrait while he's with you, it's weird what it's fucking weird bro, you kena cheated also eh we might know he's fucking seeing girls now we don't know


I'm not trying to uh anyhow to do ah but ,


through the Muzmatch also, just catch up is it, this was how old


oh so his relationship was like three years ah, Pukiwek three years abeh kena cheated eh !siala!, with the first girl, Kiwek okay lah


then he got single then he dated that girl


, (uh huh)


I need to know the timeline so initially she said that she wants this this this this they went out how many times, correct have to ask all that babe because, this will all boils down to who he is as a person so ya okay continue


no lah with the insecurities bullshit, to marry is it, but that's not the important thing


correct so number one if she were to ask you need to ask how many times did you guys did you guys went out so she already so if she state it before she went out that I want this type of guy , oh so she state it when, okay okay then


correct so she went out with that guy not telling him the expectations, , but whenever they go out she got say she what she like what she don't like


which is to me that is the right way to be in a relationship so if he's complaining, fucking buck up ah bro like if if that girl don't if she wants to be treated as a proper muslim I don't want to be in a in a dark setting cause anything can happen I cannot see shit I don't want to be in this uh this setting we're just together


then if you like her do whatever it takes it shows you as a person, that basic that's basic I should not applaud him for that, ya basic babe no you know why


no because you not from Muzmatch mah, right so Muzmatch I have a friend, shy baik and are religious so she she talk to guys from Muzmatch Muzmatch because she's shy to talk to guys in real life and she's also very religious so is very scary lah for you to just macam socialise what


then , eh uh berbual pun baik macam budi bahasa macam lembut so when when she go out with these kind of uh men uh


I know her standards like you need to ask ya like I like that she go go out on a date also, but fucking wary of, pasal everyday they remind themselves ah oh jin selalu ada kalau tempat dua-dua berduaan jin cepat masuk that's fucking true let's be real macam and and that's why to me


uh asking parents for for take that is the norm of how a muslim, especially a daughter, so I shouldn't applaud you for that because, you put yourself in Muzmatch what you should know the criteria what as a man also you should lead your family one day then you have this kind of thing then after that want to complain you cannot complain what because if you don't get the girl then shut up lah so


in my head is like if she already said that I want this this this this you you shouldn't complain cause if that's not the type of girl the ratio of the halal and haram is not for you, deep bro because then you're just wasting your damn time


get to know him give him the benefit of the doubt, eventually will come true whatever I say maybe because whether it was lame maybe that's why sekarang ni dia macam cakap ni cakap tu so if she she say she don't want it then kalau


modern kind of girl where they are open-minded tau you have so many religious girls that are like you know very strict about shit


so the primary school girl still has the criteria right, so how is it different than uh if you know that she's religious how is it different, right so so ya exactly so this is the dumbest shit that people do they date first then they become friends no, for me is I'm going to use my skills to flirt and be your friend


for me to and not because like eh aku no no no I mean my gift Alhamdulillah is I can make anybody be fucking comfortable with me so I use that to my advantage, for you to spit out every fucking shit even you're vulnerable side because when you tell me about your vulnerability then I start to understand that


uh how do you cope with that vulnerability so if you say like I'm actually, you're at his fucking like stage in life where your fucking life is so hard like macam you're going through a lot of uh problems but you have so much to do with it


find the red flags I I I think I'm I'm saying this because a lot of negative shit happened in my life that I just know


what are red flags and what is not, and like macam I just see through the fucking bullshit I'm not going to lie sometimes when I date date someone also, cause of the hierarchy and the how the family view me


you don't hear me saying like oh fuck I'm a malay I cannot eh shut the fuck up I can date ten fucking arabs guy arab guy once I'm up there when I'm the same level as them because that is what I want to pursue you want to get, this kind of fella you fucking fight for it you don't , like dalam islam pun cakap a good girl is for a good guy if you don't get it maybe you should self-check so cakap dengan dia gitu maybe that's why I don't get the girl is so simple as that


if if you want to say that kalau kau nak macam if you play by insecurity saying that !aiya! aku tahu lah aku ni buruk aku tahu lah, and then diam lah [sial] macam do something about it because you're not handicapped there's so many other people that kena burn on the face, and can do nothing about it but did they fucking complain no like macam ya so


at and and and even if you are fucking ugly but the the determination is fucking attractive, so like like I said all these acts of, is very scary to me scary, sending sending portrait then MIA like you big fuck


you already fucking put your dignity on the fucking floor you step on it already you send a girl a portrait what the fuck sorry aku macam really that's that's weird, it's weird too it's weird to me it's weird lah unless you good boy but you good boy also it's fucking lame what like


if if you put yourself out in the media, then I understand, like ya so if let's say you are youtuber or whatnot then people send stuff, fan mail then legit kena call fan sia fan I also want to vomit sia !huh! kau fanatic dia ni when she's just a pretty girl there's no such thing other than that


I mean obviously you are gorgeous but you have to understand that, lame dudes I don't want to call him lame but I'm always right so let me just say that, what the fuck do you do with your free time kau scroll perempuan lawa pastu kau hantar portrait


did you know what I'm saying, ah so before he send you the portrait you all talk before, in real life or, message shut the fuck up then shut the fuck up then there's so many people I talk through message also and I don't give a shit that was the those are the least kind of people that I give a fuck about because I


I never go out with them you have to understand if you text a serial killer, don't know what they are serial killer until you go out with them correct, why are you putting yourself in a fucking position, shut the fuck up you already like him


this is what I want my friend to do to me also if I'm fucking blinded as fuck, legit legit portrait is already how many times I have to say I think ten thousand times in this recording ah


they need to type ah their to, ah transcript !huh! portrait copy paste copy paste, you like the company


but you won't love you won't correct because let's be real, for me before this also I impress all of the guys that I want to go out with, once you date me you die already you die already all my my macam bipolar attitude, all my shout I tell you already what I'm abusive what back then lah you know like I don't give a like bro aku boleh ambil kaca aku boleh campak sia muka kau pun aku boleh pecah [kan] sia and as a guy also


you cannot leave the mentality is that I'm a guy so I cannot whack back, Chao if you're not leaving me also you don't have any self-worth the fact that I'm so into personal growth, is because that is the truth in life, who the fuck macam owes you a fucking living that you have to change them your mother father lah but not your partner faham tak so


that's why to me is like if you are at this stage to like kau dah mature enough don't lower your standard for a man who doesn't, and I'm not saying you shouldn't be with him I have friends who literally the the guy masuk jail cakap once you are a millionaire then you marry me and he fucking learn eh, in jail eh say once I get past my O levels I will marry uh and I'll once I become a millionaire I will pursue you and I will chase after you and I'll marry you men will go to that extend even me


let's be real if the person is worth it so he give you a portrait when he doesn't even fucking know you that's weird, that is weird let's see kalau kau betul-betul cut contact let's see who else he send the portrait to bet ah, that is what I used to what that's a fucking pattern what you know nobody changes overnight


you send a portrait you got the girl so easy that's why I tell you to play the game, like him you can like him look at his red flags once he blow you off then you know how to cut, don't waste your time you are a I mean I don't want to say you lower your standards ah but you deserve so much more


to be in this position with a guy that send you a portrait , oh whatever I'm hearing I'm sorry I'm I'm okay one thing is I'm very protective of my friends number two , I can just see shit, clearly


just now cannot lah because not twenty twenty vision mah put braces mah my eyes, ya so that's why aku cakap kau it it all takes time what people especially when you like someone bro, they lie people lie


then you will know if you're fucking mature or not, oh maybe that's why you have a job that won't allow you to fucking pursue a better goal


if my brother that's a dropout can fucking earn uh like maybe because, how to say ah when you've already tasted a higher standard of living you just want to work for it, one day I can assume about him benefit of the doubt is maybe he he has never tasted a better life of living maybe he don't have that knowledge he's not blessed with that knowledge so


that's why you as a you you you say you are a friend right bless him with that knowledge see what he will do with it, but at the same time like, don't settle down for what you're not satisfied with serious for me a guy I need to be like fucking like a monkey


for me to legit be like pursuing you if you make me no sorry, if if it's more of like I want to get to I really want to get to know this guy he has everything like, how to say ah for me, I'm not there yet so I don't even


I didn't even want to date because I don't want to settle for less so for me it's like looks, uh dressing and morals, then after that once I really really really really like you because everything is fine then I will just pursue chemistry, chemistry is there, if if he really likes me then


uh that that that that's where I play my game faham tak of like, okay I think I should give him a bit more attention I really really like him but at the same time, I don't pursue guys who are fifty fifty about me because, you can like people keep saying like oh you like


I think people like to see me as like confident like she can get that guy nope is I just don't waste time with people that I know I cannot get, like must have to realistic like not like there's so many people much more good looking than me and there's so much, like I have a lot to work on but, I pick my battle lah macam okay this guy is enough for me


then if it's not enough then I make myself enough, you know that kind of thing so people that that rush into relationship are sus, sus send portrait sus


eh I saw you around school you look cute aku maki sia Buto siapa perempuan ni dia nak tengok-tengok you buat apa dia pasal what, cause he's fucking fat !wah! fuck you Chibai want to fucking look look look shut the fuck up ah want to look at my boyfriend for what, Buto I cannot because but then that was when I was insecure but now when I realise that


my boyfriend has to reassure me I feel lame, because to me is I fucking sound psychotic but but that is what, people do, so if you as a man behave like a desperate fucker I cannot I cannot


if you chase after a girl as if you have no self send portrait if my boyfriend fucking do that I'll smack the shit out of him obviously you can send portraits to me if, this is weird babe nobody fucking do that nobody fucking do that I'm scared if, insecurities will come up


not you you obviously don't but if if, no what if your insecurities come out he play with it


you you can be vulnerable but at the same time just say like, oh anytime if I want to cut you off which is good lah I think you have low low tolerance also for bullshit I'm hoping ah, , correct so


in a man, and then


fuck it fuck ah, which is


correct correct, he did all the work what work need to work meh, ya isn't that good


!huh!, but then, ah that's fine


correct, correct you have to understand there's, I have so many hot ass, fucking girlfriends, that get with a fucking ugly guy because he's charismatic


insecure, correct insecure, I'm also charismatic how many people that I use, so many worse is you date a guy that is ugly and cheated on you might as well date a good looking guy, right so that's why to me is like, but I'm not okay I'm just throwing the worst of the worst so that you know how to react quick with fear


obviously that that that I think that's how life should be that you date someone that is, the looks


people say that looks don't matter suck my dick lah !huh! looks and also , not status looks and body language, when that is okay then after that your your


uh no no looks and confidence so, confidence might also play with the look so if you're actually fucking ugly but you have a lot of confidence because you have a lot of skills that people look up to, you're already fucking good looking already that is looks to me not just physical then after that is the the charismatic so


test, you gonna die , ya it's pandemic all over again, if this you choose this fella is the one that you're gonna marry and this uh and if you have to you have to teach a man how to work on his own


fuck that shit, and a man who's very very independent on on the on the on the partner uh uh toxic, you depend on the partner to change toxic, you can obviously, advise but it's what he do


so many people can rise up but it's how much they want it


okay ya then then just hang with them like macam you want to have fun that is that is that is proper fun bro, don't don't need to date men, when you're in the grey area don't need to


motherfucker you just fucking told me you ask him out that's a fucking date for fucking sure bro he's not your friend


but you reciprocate


uh, this guy has other hot girlfriends at that point of time he was single okay so he was single until I was the first girl that he dated so he's good looking so a, he was dating a lot of girls, but he don't like anyone of them so if you're single you're free to be a fucking cunt what right so when


he see that girl as an opportunity to get to know other hot chicks so, when she DM him and saying that oh you're so cute , he's like a before me he was a fucking flirt cause he's single but he try to play off like I'm just a friend what but I know you're fucking flirt you know, before that I was I never use people before because of him I used people because of what happened then after that


when you get close to the girl the girl obviously like like him but then he with, all due respect like he try to not I don't even know if he does that lah but he said as like macam okay I'm just your friend I'm just your friend but then I Simplicate whatever text you send me so he told me that he never liked her at all


and he was friendzoning her because she got other hot chicks hot friends, and then that is to me is like then okay lor then I'm not that mad at the fact that you still keep in contact but at the end of the day, once he was a bit more serious with me he cut contact with that girl because he knows that I'm not happy but I told him I'm fucking liberal


you want to fucking go out with her because she got connection because she can give you some sort of like macam , help with SIA ke apa #lan jiao#, go ahead with it or whatever kalau macam nak tanya advice about macam kerja in the future ke apa go ahead with it but I'm not, going to allow you to meet her face to face and and it just gives


like macam is not more of like macam oh I reciprocate back, so right now you are reciprocating back if your boyfriend were to tell you in the future you ada keluar dengan dia tak you pernah keluar dengan dia tak I was fond of him lah, what like you reciprocate like it's more nicer to hear that oh


my boyfriend is the first guy that I asked out but then you should not, put so much weight into your your decisions people make mistakes if he's not the one you shouldn't be like eh he's the first guy I asked, okay


okay okay okay okay contradicting ah okay, good lah then then, you sure okay if you feel like you in denial right really make believe, make believe that like, no make believe when when when the right time so when you want to flirt with him right think of it


okay I'm your friend what so it's not wrong for me to say this but then when when after that he say some fucked up shit right, turn back and be like eh but this is the fella that I want to might want to date okay I must like attack him back, but you know you get what I'm saying like you have to play smart


spy, speaker speaker, see ah, wait ah you go ask all of this shit because like you waste more time ah then after that when you get to know after the like what one year ah wasted sia


wasted you going to be like, what the fuck you are this lame actually I could have met other fucking guys I could have hang out with my other friends, who knows he's fucking insecure for all we know, motherfucker he dated two girls that are whack the fuck, he doesn't know shit about life


I can safely say that because I went out with a guy that fucking cheated kena cheated three times still fucking stupid, stills tell me I love you on the the second time we met tell him already I won't be with you because I'm I just came out of a relationship, no self-worth I don't like


really really I don't like crazy eh you know some oh shit I think I like you !huh! I don't want to uh how to say weird, K lah, ah aku pun nak terkencing so how many more


yesterday night, ya why K faster okay


, okay


so you telling me I want to belanja you or what , next time should buy it, okay get it, you hungry


eat your mother's cooking lah mother Chibai singlish ah , when you are sleeping and you are dreaming , tomorrow okay then buy tomorrow lah tomorrow is saturday I forgot


I forgot, yes, I want to fucking pee lah [sial], motherfucker aku nak patah balik CI I need to go back CI, oh shit man that means I have to go home like that later


ah ,


what title what title, what title, can check one meh


on , , not sponsored


, oh homo ah, hobo, you are damn hungry


(mmhmm), [orh] not sweet enough lah you, diabetes ah


very good, oh, ya halal, halal


oh ya ya ya, , , so if you need an influencer hit her up ah at uh H uh four


fake not fake please uh hire me err I'm still an intern, ya I'll be the student so eh if you want to laugh you just laugh lah ah, you want to talk to us just message ah don't action ah !walao!


ya I'm talking to you what talking to two people eh killing two bird with one bird, that means kill three bird mah so more people die,


oh they cakap that she probably want to get a divorce suddenly so deep ah, she she she probably wants a divorce because like, of Aziq'S behaviour cause we we are actually teachers in a daycare centre so ya and then she say that Aziq


not knowing how to like he went home he go and order all all his other siblings to be like take for me this take for me that cause he's upset


, have you watched the the the the what the marriage, ah the world of the marriage it's on Netflix now


so you watched the first episode


okay for my this is my opinion lah [kan], the first few episodes was good, then after a while [kan] dia err, it got to a point that dia macam super nonsense


the the wife is psycho [kan], no but I the the the first wife I don't know ah like apa motive dia buat macam gitu semua [kan]


yes because, so dia don't love the husband anymore, so dia just nak revenge only, I don't know that's where I'm confused about like whether dia fall in love with the colleague or


did did they did she even fall in love, oh


then why the guy still jumpa with the shermaine and all, the the psychiatrist the psychiatric or psychiatrist guy doctor the guy


ya they he like secretly meet up behind the, the the the lead actress the wife the first wife behind her back, they meet and then after that err macam they the the guy the new guy share information with


ya, the show [kan], the show is good you know the first few episodes was so good you know that I really want to watch I really want to keep watching and watching [kan] tapi after awhile


sixteen I think, ya, I think because [kan] the first five episodes the first few episodes [kan] that they had such a good response, and then they kind of felt pressured to do better so people


oh ya they follow the standards eh


I know but then why the lock, ya I locked I locked already


the writer failed big time, ya I know we watched it like so many times, ya, we watched that so many times and I still cry tu so sekarang I'm watching cerita reply nineteen ninety eight have you watched that


ah there's dia ada reply nineteen ninety four reply nineteen ninety seven and reply nineteen ninety eh nineteen eighty eight, nineteen eighty eight is the best one


that one #park bo gum#, ya as if you're so busy


so, Goong princess hours win, ya, but no doubt ah princess hours macam is the best ever


ya, ya I watched that bila I'm sec two when I was sec two sec one sec two, ya it's so good so many years ago


, for what


(mmhmm)


ah give you referral to NSC national skincare


it's like, uh it's not a severe case sorry cause yours only is on here only kat sini macam still have nothing, what is comedonal I only know komodo dragon


oh then you go NSC, you can go there lah because my sister-in-law Kamifie [kan] dia dulu ada ah macam like yours ah acne like that [kan]


I think so but it's termasuk you know after after it cured right it, ya like termasuk sikit [jer] then dekat atas nothing you know nose nothing just the cheek you know


so she went to some aesthetic clinic and then err she paid like few thousand she keep macam dia orang keep inject here inject there but, the problem still persists, so after that she said macam okay ah let's do it lah just go national skin centre and then within three months [kan] the skin really clear up you know