it was bad boss was really mad today


he scolded everybody in the office and he wanted me to send a message in the company's whatsapp chat saying, like if you don't don't take the initiative, and want stop putting in effort into your work like please just resign like we don't need you in their office anymore


ya, that's why damn Sian like once everyone received the message they went to ask me like eh were you the one that send the message like why do you send the message, no type on admin phone which is my phone


no, ya triwen <mandarin>都懂我拿:dou dong wo na</mandarin> admin phone what, I mean


but, it's still bad lah, no it's not, ya then after that err he scolded everybody in the office, like, what the hell are you doing


the company is not doing well anymore and I didn't see you guys like putting in effort or caring about the company like all you guys care, ya like want me to increase your pay, back to the usual rate blah blah blah


ya, oh, and


no, uh when he went into the company, ya


SJ today cause, like the company is working in right they do like live on facebook so like it's a good platform to promote products, guards uh company, like my friend


guard, I mention about him before right, ya anyway he sort of like propose like something to boss telling him like, uh we like what are companies doing so if you're interested in doing like


us promoting your products then err we can give it a try lah we are just a startup, then we don't ask for commissions we only eh we don't ask for like, a fee ya yup we only get commission based on the amount of sales


no is live like the people looking at your videos they will reply what like oh I'm interested and they have to get the people like to come down


(hmm), no lah usually we will ask like can give more info or not like err PM address PM number, and they are the one who is controlling like the messenger function on the live lah


so, they will be replying directly err no because barry and I like we tried hiring sales staff so we thought like instead of hiring sales staff like what they're doing are considered sales what, so if they can get in people


want to buy our products stance so be it lah anyways, like all alright as long as it's effective lah, ya that's why no fee like if we do hire people we have to pay them a basic salary so what's the point right


but you how's your day, why I always ask like my friend who how's your day


uh no lah I I don't know how they, came to this but, my what


ya I showed him he told me like well he wouldn't have noticed if I didn't show him lah, but then, no he wasn't cause uh I was like scratching, like, my body cause you know hives are itchy but then


shut up , no lah, uh no I'm trying to entertain him so he stop doing bad stuff


I'm his friend, no lah like bored then, go drink or whatever, like like like just say it


no is just talking to a friend what, ya, ya, stop it , !aiya!


ya, ok lah !wah! so hardworking sia


(hmm), (hmm), oh really


to go to work, do not go to work but you still went so good for you, ya that's why that's why I've been saying like you should just continue, on with your job until you find a new one


, no that's the thing I heard mum coming home and I heard you going out like, and I told myself okay you know, it's time for me to stop snoozing my alarms and wake up too, ya


oh what she doing, [orh],


I mean is true what like once you get into the momentum, really, !aiya! don't listen to her


, , !aiyo!, oh, ya, (uh huh)


(uh huh), ya, , , ya, (hmm)


ya, oh, ya, , oh, what


what the , ya obviously


no, no but in the end uh did you find out like who you have to cover, like the courses you have to cover, (uh huh)


, yup, ,


(hmm), for what, no


(uh huh), , ya, ya


well the case like second highest I mean it's not thing <mandarin>他是:ta shi</mandarin> direct lah but then from tour to sell, (uh huh), ah, I don't know, oh ya that's why, but you still got like second what


(hmm), , , wait, Pavitra, like, who is she I've never heard you talk about her like speak about her ya you only talk about joey


bias , is she Chio, really, ya lor


I mean, you don't seem like that kind of person who go to a dog cafe, go thailand lah, , eh, err, did #wei ling# tell you like after COVID she wants to go to Bali like a cousins trip


really, (uh huh), ya we should go there and spend all of our money


oh, , ya, (uh huh), ya, [orh] ah


in Bali, oh, but (uh huh) a'ah, no like when #wei ling# they all went to Bali right I tried looking out for like vegan restaurants for them so like they know where to go lah


but I was curious still lah like what kind of food they serve at Bali, and I was quite surprised leh like the menu right, like, quite extensive and they do offer vegan options, but is fucking expensive, ya like per dish like some


vegan bowl for like eighteen dollars, sing dollars, that's damn expensive I I would expect Bali to be like affordable, like ya if you want to do some of the cooler activities then you might have to spend lor


eh got hot guys or not, really, ya never mind lah


but then anyway , sorry lah, what, singaporeans speaking in aussie accent, trying to speak


won't lah, ya, ya, (uh huh)


(uh huh), (uh huh)


, ya,


I don't know, but, [orh] ya, but you mention what like if you don't hit your, KPI then they are just going to, fire you


hmmm,


(hmm), [orh], ya,


(uh huh), (uh huh), , (hmm), ya,


, I mean, !walao! from what you told me right all of your TL they are just like normal staff who, cannot even like make decisions they don't have the autonomy


but he is an asshole , ya, ya, I get it


(uh huh)


oh, ya, (uh huh), [orh], yup


but then, can you not like just, do one of the case in front of the person, (uh huh)


no lah, , , (uh huh)


, ya, oh but #wei ling# told me right like the whole thing took forty five minutes ah, no but she really sat there and did the whole thing for forty five minutes eh


that's damn crazy lah, and she had to like go and calculate the, income per capita, really you saw again, , , uh ya she he is like err I don't think he's getting


a salary no I don't think he's getting paid, err, in the for the company now like err he found, like a Lobang, then he tried to intro like that Lobang to other drivers too


then basically like you know employees are working at like Jurong island all those like they'll need somebody to fetch them back what, or give them a ride home, so he and his, friends will be in-charge of that lor, he he hardly ever comes into the company now like maybe Lepak for one two hours then he's off already


and he rented, like a car from the company and he has to pay for it that's the thing, because, that's his main source of income already what, like he's not really getting paid, no lah like so


ya, no lah you know xyanda the one one four nine one I think is his, eh <mandarin>自己换:zi ji huan</mandarin> lah, but discounted rate lah


ya, (hmm), ya that's why, no he that's why like because the employees at Jurong island work mid shifts that's why he has to go like in the morning and like at night when they end their shift


which is damn tiring lah like #sa gu# knows that too which is why like they also wanted to leave earlier like last sunday, , ya


eh shit, I forgot to call the bank, like until now, no I told you what like, my cards been, uh like every time I try to pay using my card it keep saying like oh your card has been declined they keep saying like you call your cousin in decline


, ya, what so if I see it later , stop that


!haiya!, (hmm), no lah send them home imagine like one employee like the his driving a seven seater so imagine like you can seat six passengers then per passenger you are getting paid ten dollars because you are sending them home


like not to some like, for those pickup place, ya, private hire lor ya, like sixty dollars per trip not that bad I didn't know the rates but I think it's around there uh or like maybe even more


more than that lah, (hmm), oh but, you know because he err hasn't been coming in right, so, I don't know who


err, who went to like unplug his computer like the screen and the CPU and every then move it elsewhere leh so now his table is empty damn asshole like he went to the office then he ask me eh Siang unplug <mandarin>我的电脑:wo de dian nao</mandarin> ah


not <mandarin>被:bei</mandarin> fire lah then like, what he's doing doesn't really need like computer like he just positioning Saman, then need computer ya lah you with a computer will be easier


but and more convenient but then you can also do it on the phone ah, oh barry got another Saman eh did I told, tell you about like the previous Saman, ya he got you know you got Tak ah speeding ticket, and !walao! eh speeding in singapore damn expensive eh


so, ya lah, then then like err he drive me to work right err every morning he will be like !wah! this is the fucking road , with the cameras


like I knew then he will slowdown on purpose because usually like he drives around, hundred, KM per hour I think cannot really expose right , no but then he gotten speeding ticket like


one month later, but another place, I think so, but like, he he kept telling me lah I don't care about the points I care about the money ya but then like it it adds up lah


ya one year I think, ha, (uh huh), uh


oh, (hmm), (hmm)


then <mandarin>就:jiu</mandarin> job, [orh] then, [orh], cause


uh I was doing the accounts then one of the driver right !wah! I don't know what he did lah but then they, like confiscated his license eh , then the car has been towed back lah to the servicing centre


ah then then we just like what the heck, ya, yup, what, why, is he handsome, !aww! man


why, slack , ya good lah like, I mean what's the point of, ya


(uh huh), ask him to shut up lah, is so annoying leh everyday you tell me stuff about him is always bad stuff, ya, bu the big


ya I know, , (uh huh)


keane, ah ya, ya that's why , [orh]


(uh huh), eh but then, do you know err like went, out with them on last thursday right like to the drinking place, then what the heck brandon doesn't even know my name, brandon barry's younger brother but he was trying to introduce me to his friends like ah his friends ask lah like ah so what's your name


, I mean ya lah they're older lah older but then ah I just told them lah like [orh] like my name is angie but I got a lot of nicknames like, really like you can ask brandon, then, brandon was like oh ya angelica and acronym with n


angeline and, angelina and angel and ann, then uh then he just like sudden ask me so do you know what's my real name, and then he just say like [orh] actually to be honest I really don't know what your real name is like what the heck I have been meeting


like seeing him for like so often for the past few weeks slash months, ya no he only has one brother, and they are super close lah, brandon


what , ya he bought me dim sum like whenever we go out he will he will always try to pay for my food, no it's just stupid what like so so like the names they give me no is how like they always give me weird names


like come on lah angelina four syllabus leh you can just call me like angie right , what, okay !wow! cool okay, doesn't matter what, hi


to whoever is listening to this, with you with you no lah eh, take this seriously okay , (hmm)


ya, (uh huh), oh really


what's SDA, (uh huh) (uh huh), oh, (uh huh), [orh] what the heck


[orh], oh, (uh huh) (uh huh), say lor then after you easy <mandarin>一路上:yi lu shang</mandarin> computer on like cheaper without self <mandarin>那些:na xie</mandarin> aunty or uncle like saw


singapore, (uh huh), really, [orh] maybe boring lor


(uh huh), eh but very Sian one sia you work with somebody keeps complaining, (uh huh),


of course lah, [orh] ya, ya you mentioned them


, good what I mean damn Sian eh, (uh huh)


ya lah good what got excuse eh, (hmm), ya, I know


then good for you lah, what the well same lah


of course thirty five and make friends lah, no I rather do twenty and make friends , (uh huh), ya,


!wah! #sibei hao lian# sia , ya, [orh] really


ah !huh!, [orh], I don't know leh like I tried to call them what but I think they tried to lowball me what, they are like oh if you want to get this pay then you will have to


do other stuff, , I know, that's why, like whatever lah


does he has, does he have his own laptop, [orh],


don't know eh seems like an interesting person, no, cause he's a guy ,


ah !huh!, (uh huh), , (hmm), , (uh huh)


, [orh], oh no that's damn sad, !ee! why so like why feel so sweaty


, really, oh my god, (uh huh)


(uh huh), ya lah, I don't know lah [orh] anyway, !hais!, alan told me it's weird but then err like when I went to eat dinner with barry and guard today right guard


err kept telling me, like very private stuff, like, cause he went to SJ what,


ya cause barry would want to eat dinner with him like err alan ask if I wanted to eat dinner yesterday, and I said okay lah but in the end he had errands to run and the mum, called him mah told him like eh I cooked extra like for dinner like you might want to come over to eat


so he went lor and then after that went to run some errands, ya, that's why


but then uh as long as I mean I rather go and eat with alan and stuff what than to go with guard , but the thing is uh when I mentioned like oh why not ask alan along then like


barry ya that's why, ya, just like [orh] you want to go eat you eat with him lor, , ya I I guess


okay lah you know I'm fine in meeting but it's because of what he told like texted me at night what, ya and consecutively but he's really a very nice person like afterwards


then kept telling me like eh remember to apply like medication don't scratch blah blah blah like will get better, (uh huh), #ah nah# #ah nah#, that's why no I'm I'm such a bad texture leh hardly ever reply to text


that's why, which is why [orh] then he he mentioned something like oh err cause my phone died on my way back oh on the way back, so, I was like oh shit like I was playing uh music via bluetooth lah in a car, and then my phone died so I was like eh shit my phone died cannot play music anymore just listen to the radio


and then he mentioned something like oh is that why you don't even reply my messages !wah! he made like the atmosphere super awkward, ya but barry was driving us home, he lah, he was sitting in front I was at the back seat


I mean like I I just said RI lah like [orh] like I'm a super bad texter barry knows that like you can look through our conversation is just me replying with okay okay okay okay


ya, err like his private parts very big lor , uh like that he has been experiencing a very low sex drive


no barry was there, no but you see the thing is the two of them they're super close like no boundaries, so they say whatever they want to each other


and they're fools lah so, I think, like, he'll say that in front of barry when I'm not around too but like, I wouldn't be sure right


ya, err not privately lah, ya lah


you see like whenever guard text me right not whenever but like when err, out of nowhere like barry will be around, and then last thursday barry told me lah eh, text guard leh ask him what he doing ask him want to join or not like come on lah like we are having fun here right now like


everything is going smoothly and all like, then you want ask somebody to join afternoon meh like I wouldn't mind but then it's just like his presence will affect the mood , ya


then he went to the office ah oh like all his colleagues is damn Zai, his guard's colleague, is then Zai, like, thirty one years old, but !wah! damn pretty


don't have, err, nope, #ah lian# kind of pretty, why why against #ah lians#, eh but barry like has a very bad impression of her cause that time they went #siam diu#


then err, according, to barry lah I don't even know the full like story but he said like oh we were just drinking and having fun you know by ourselves then this crazy girl kept coming over to leech ,


then us nice I just said like !huh! like what the heck that's like a super small issue lah like girls come over and drink with you guys shouldn't you be happy then he's just like (ugh) no thanks, I don't know


maybe no but the thing is, barry wouldn't have known like guard texted me if I didn't tell him so I don't know like if he's trying to match us up because of what I told him like eh you know guard texted me last night blah blah blah


no but if I didn't tell him like you know guard might be interested in me he wouldn't even try what, okay, ya okay but I take back my words


ya, (hmm), ya,


no but I take back my words because you know what happen like on the day itself right before I even went home, barry was trying to matchmake me, and dennis, do you know who dennis is, is the insurance guy who's married


has two kids, I don't know ask barry lah I mean maybe he just thinks like no I told you what like err, barry was interested in this girl but then in the end the girl <mandarin>喜欢:xi huan</mandarin> dennis so, I don't know he just it's damn open


no eh I I think this is I don't know eh like your boy's stories all very wild also, like oh you know my classmates shag with this guy blah blah blah, too young lah I don't know but attached right


!walao! different Nah I don't know, stop judging me, !hais!, life


I don't wanna go out with him, ya, I don't know, ya


see lah good bro and a bad bro, he's a friend bro, but well at least he isn't hitting on me right, cool I not plastic , really really


!aiya! but life why uh, like I'm not even like, I don't know guys like more I thought like guys always like the super girly, you know sweet looking like sprite


no he's always no okay see the thing is, okay this is going to sound very weird and gross but, he always talk to me like, I'm his daughter


like the tone he use with me is the tone he use when he's with his daughter, like, hi bib like, the daughter lah hi baby what you doing then when he talk to me he will be like, eh what you doing


err in the office err, no lah sometimes what you want to go eat, no lah fuck, never, I no want


eh but please leh spaghetti guy asked me to see Liao K, no uh I never lah, no uh I never lah, I won't


really, why, ya eh call please you ask her want to call you Bossku , , weird, ah I don't know


ball boss man, so do you call boss woman, !haiya!, now


(uh huh), career future, a'ah, that's good what


(hmm), oh, do you, (uh huh), I feel so tan


stop it uh, (uh huh), eh like <mandarin>鱼骨:yu gu</mandarin> leh those piece or not, like is it very generic


, no okay like, before you just apply now and then like if you get the job object you can quit what, (uh huh)


, (hmm), ,


(hmm), really


, [orh], ah lah, ya lah ya lah just try lah like relevant experience


!huh! why so weird one the number , this, (uh huh), no lah which is why we are doing this now


what so you're going to leave in the lurch and make me find a new partner on my own, ass, in singlish


(hmm), , oh


that's true eh but, !huh! ya eh like really


she's damn clingy I don't know, eh but she like you have to call every day day and night, in the middle of the day


no like for the past few days, ya, like once I reach home you talking to her judging me, both of you, then after that when I wake up from my nap like judging me still


and then the next day early in the morning judging me again, oh, !aiya! dad,


!huh! is that still a thing ,


for what sia, !haiya! , no lah ask me to don't, not play with fire


why, cause it was my first time meeting him, I mean alan said the same thing lor who the heck say this kind of thing the second time they're meeting like somebody, no but the thing is maybe because err like


he thinks, I can clique lor like you know I'm barry's friend so I'm like, their kind of friend, so like I can joke about anything


not really, [orh] I mean I told you what like everybody kept assuming like, I'm alan's girlfriend lor #mai qian fan#


, alan and I we don't do anything eh, really like, we no physical contact one, what, then uh when I go and play games with like the other guys like alan will be talking to like kevin and some other


whatever lah whoever's there, like, half of the time more than half of the time I'll be else where lor like why would anybody think that, (hmm), like literally


, then <mandarin>他找到一个女的:ta zhao dao yi ge nv de</mandarin> then, !hais!


!hais!, no, I mean he, he started gymming and all lah so at one point in time like !wah! <mandarin>他超大只:ta chao da zhi</mandarin> lor


but then, then <mandarin>今天他就在那里讲:jin tian ta jiu zai na li jiang</mandarin> like oh uh guys who lift weights err


and wear gloves are girls, like I look down on them, why the heck would I wear gloves when I lift, super #hao lian# right, who, tattoo artist


[orh] no lah please my taiwanese tattoo artist friend is, damn skinny, ya lah, why like that


no, yes but no !aiya! anything lah, you going now


!haiya!, no, just work you need the money


I know eh come on lah I'm like, child slave leh, , I just got my cheque today, same uh


that's why <mandarin>我不懂:wo bu dong</mandarin> but then


like she opened the check already so I I thought she would know lah the amount boss going to pay me, but nope, in the end, err when she said like <mandarin>我不知道:wo bu zhi dao</mandarin> I guess she was being truthful


and the amount lah like, err two thousand, then <mandarin>你:ni</mandarin> drop <mandarin>那个:na ge</mandarin> cheque <mandarin>的时候:de shi hou</mandarin> check <mandarin>得到的:de dao de</mandarin> what <mandarin>那个:na ge</mandarin> cheque number everything


!aiya!, do you know, somebody once gave me air an empty cheque, ask me to fill in any amount, no I didn't I return the cheque


some guy, err, ya, !huh! what the fuck what the fuck


no lah feels bad plus come on lah some stranger man, didn't even know the person that well or find out less like really a makeshift context lah,


plus like never really exchange contacts or, no lah having fun talk cock you know outside smoke everything, then, like eh give you something, err I mean eh but everytime you open a cheque you need to pay right


is it, like if you ask for a new cheque book you have to pay for the cheque book I think the first is free I'm not sure, but it's damn stupid lah, like you open cheque you still need to keep the book, with the numbers in it in case like you need to check back


, yup, but then !wah! imagine if I err seized the opportunity like and the guy, happens to be like fuck rich,


ya lor then


[orh] a'ah, eh want to transfer me money or not ya lor generous <mandarin>一点不用:yi dian bu yong</mandarin> shy


(uh huh) but subjected to approval what imagine if you really record like nine hours, and they only approve like, two


isn't it like damn Sian, no lah just talk to yourself lor, eh, what if you can have any superpower


eh but answer leh I curious, like if you can have any superpowers certain power, oh ya, today in office we were like just talking we were talking shit so like err


oh this morning when barry was driving me to work some fucking lizard drop, on the hood of the car, like sort of black ya, then the the lizard started scrambling then you know I'm fucking scared of lizards right, the lizard was fucking in front of me like in my face I mean ya lah outside the car but still it was fucking gross like it kept crawling around crawling around


really then I kept screaming no then I thought it was gone already leh like the lizard flew away or something then it came at from to the side sia fucking near my face, then like err


!aiya! I don't know oh ya so I asked barry like what's your phobia he's just like oh like you know err empty bank account bank account, no money lah


a little, okay, I mean you can


eh are you hungry or not you want to eat supper, ha ha lies


[orh], oh, no uh I'm just sorry lah you have to hear like part of our conversation


(ugh) what he's taking, I'm his fake I'm his replacement daughter, , !walao!


, you are damn gross lah stop it


ha ha ha, well he picked his what, what, okay okay


no I'm too tired, don't eat lah, #gam fai#, (uh huh), ya


!aiya!, ah


fifty seven forty two lah, no lah, eh but what the heck sia I think like this is the longest we've been, we have talked to each other in a long time, no meh


eh you're hurting my feelings, and we get paid for it come on, !haiya! lies you hit me just admit it


eh !aiya! I don't know, what did you do you go shit no I don't need it, but then funny err, alan went to the mum's house yesterday so right he tried teasing the mum he went to tickle the mom then know what the mum did the mum give him gold leh


then he's like !wah! tickle <mandarin>就有:jiu you</mandarin> gold , ya, really , eh but then honestly speaking if one day err like alan's mum ask him over right for dinner then like I happen to be with him and he say like eh <mandarin>要不要去:yao bu yao qu</mandarin> like


#peng you#, !aiya! , #ai keu#


no lah this is my colleague want to borrow our toilet borrow already then she leave ready isn't it weirder, it's just because I didn't want to use the public toilet lah


(hmm), so sad, ya lah that's why and like he uncle like


they don't care lah !aiya! don't know lah that's like super chill people, no leh I think like it'll be as, friends


you know how how how you ahead, oh my god


I don't know no lah but then, not much lor, it's like, as long as you, ya it's normal conversation lah because, it's normal for photos


okay so I guess this is, so so you want to smoke


ya, oh ha, is really simple I didn't qualify, you can bake right do you think you I can I'll be able to send you via whatsapp, I try again


after that I want to flourish, we would withdraw, of course I give myself to cats on the back, !wah! I don't know lah to whoever


was listening to this clip, I am, not err, horror, but why chinese actually eat like


instant noodles, ya, eh but I do I really don't get his numerous like what the heck, but it what ex soap shutting one, five do


[orh] okay bye, one O two O nine ten eleven, well, okay, during one declared, [ng]


so sometimes I would just err work from home lah, ya so usually here would be to look at to do some err like if I meet problems with email then I at least <mandarin>我有:wo you</mandarin> colleague <mandarin>可以问:ke yi wen</mandarin> ya <mandarin>或者如果我要:huo zhe ru guo wo yao</mandarin> need to have some err face to face meeting ya then we'll arrange to come here together and talk lor


ya, [orh] so basically <mandarin>我这边就是基本上是做一个:wo zhe bian jiu shi ji ben shang shi zuo yi ge</mandarin> financial adviser <mandarin>这样:zhe yang</mandarin> lor


ya all these years lah ah <mandarin>以前以前是:yi qian yi qian shi</mandarin> bank all these while <mandarin>都是在:dou shi zai</mandarin> bank <mandarin>的:de</mandarin> ya only only now then I can join over here lor ya, so the so the difference between a bank and err in the current setup <mandarin>就是:jiu shi</mandarin> bank of course <mandarin>比较:bi jiao</mandarin> structured ya so


then err they have more sophisticated products, cut throat ah okay lah in a way lah in a way ya so whereas <mandarin>这边就真的是比较:zhe bian jiu zhen de shi bi jiao</mandarin> free and easy lor


OCBC, ya I mean because just join mah so but the feeling is that of course err in this kind of setting right <mandarin>都很:dou hen</mandarin> err


so ya I have a team (ppc) but err I didn't see them most of the time some of them I never met before even, because


so when I was interviewed (ppc) err of course one to one <mandarin>那时候就:na shi hou jiu</mandarin> okay lah ya so <mandarin>我真的是有:wo zhen de shi you</mandarin> meet <mandarin>我的:wo de</mandarin> err supervisor lah ah face to face <mandarin>那个就:na ge jiu</mandarin> face to face


but subsequently right during this period of time err almost all interviews are conducted err via zoom (ppc) online, ya we are still hiring ya ya ya ya


insurance and investments but of course in insurance is the the core thing lah ya, bank, banks, no not deposit investments ah but of course insurance also in banks ah


ya insurance in the way is err almost err core or fundamental in all in in all financial products already, ya whether is it in for the company or for err, individuals


ya so is like uh like all individuals <mandarin>一定会有保险的吗每一个人:yi ding hui you bao xian de ma mei yi ge ren</mandarin> ya, over here <mandarin>有和没有:you he mei you</mandarin> there are different schemes available


actually


over over here, ya lah ya lah ya lah ya ya, (ppc)


oh okay how come, ya, yup, , ,


(ppc) <mandarin>多久以前了啊:duo jiu yi qian le a</mandarin> (ppc)


every year lor every year but, (ppc) but it's not from perpetual, so after five, ya she she wont get anymore money already


, err not really ah it doesn't really count like count that way, ya because they have a different they have certain formulas for calculating one, so is not so simple calculation


(ppc) generally, , generally yes, (ppc)


okay okay if it is err whole life insurance then you do get your money but if your if it's a whole life insurance that comes with, critical illness as a rider ah <mandarin>我不懂你明白:wo bu dong ni ming bai</mandarin> rider <mandarin>这个东西:zhe ge dong xi</mandarin> hor ya then you don't get back the rider portion


err ya ya ya generally is also because for females to protection for critical illness is important but that's also why err is more expensive but once you if you decided to reduce hor you don't get back the money that you paid for the past few years


oh okay okay okay,


which you pay using CPF lah, partial ah, then what do you need to be cash or CPF


I thought you only need to pay cash for hospital, okay


, okay lah, maybe maybe it is the co insurance lah


I, I guess I guess <mandarin>可能就是那个:ke neng jiu shi na ge</mandarin> co insurance that's why you need to pay by cash <mandarin>对那个是:dui na ge shi</mandarin> pay by cash


thousand plus, not even one thousand ah, cash cash, not even one thousand ah


oh <mandarin>三百多:san bai duo</mandarin> ha, (ppc), private


ya, okay okay, okay lor ya ya ya <mandarin>二十多块:er shi duo kuai</mandarin> okay lah <mandarin>可以:ke yi</mandarin> lor, ya


err no lah


it ended you were saying about five years ago leh so ya ya ya ya, ya, your much is how much actually, three thousand plus a year


then now you reduce to what, , , understand understand, , (ppc) understand, but it's a necessary thing lah still insurance


no choice lah, is


okay ya but critical illness <mandarin>是一个:shi yi ge</mandarin> important element eh, ya, ya, especially for female <mandarin>因为:yin wei</mandarin> females tend to have health implications, at different stage of the life, of course ah


no I just join what, ya I'm a insurance believer lah, even ya because okay


oh a lot of males don't have don't believe in insurance my father also don't believe in insurance, so err but now he's already in seventies mah so <mandarin>有一点难:you yi dian nan</mandarin> ah, ya ya so I bought for him lor and pay using my money lor


I bought for my father, so I bought a a plan a kind of accident plan for my father lah ya then I pay lor, ya over sixty five <mandarin>你不可以买:ni bu ke yi mai</mandarin> critical illness Liao <mandarin>了:liao</mandarin> ya


err ya we have but


err no for employed people, so you know so you calculate then then plus including the time that <mandarin>你每个月你要去还那个保费:ni mei ge yue ni yao qu huan na ge bao fei</mandarin> hor ya <mandarin>很不划算的:hen bu hua suan de</mandarin> leh


ya, so err so there are certain insurance hor that <mandarin>是:shi</mandarin> err <mandarin>应该买:ying gai mai</mandarin> there are some that you are wasting money to buy, seriously lor so for example so I mean of course this person different different views lah for example the retrenchment insurance which I mention lor err to me it's a waste of money lah


ya so but of course different people they have different, life situation ya so err so some people they really need to buy certain things like for example some people they are very err (ppc) they don't know how to save money


ya so people who don't know how to save money no discipline then maybe is good for them to buy a savings insurance lor, ah like an endowment lor ya, ya ya so some people they use that as a false savings ya then also on top of that they also realised that they don't know how to invest so you if so no point to put all your money to savings account what


it will only zero err zero percent interest, ya, err it depends okay


maybe two three percent, ya CPF <mandarin>是:shi</mandarin> two point five that's for ordinary ya but of cause that in every product there is err good and there is err upside and a downside so CPF you cannot


take until you reach retirement age, endowment you can set the time of maturity ma ya so before you mature I mean before before the policy err when policy matures let's say in maybe fifteen or twenty years <mandarin>你都还没有到四十岁肯定的:ni dou hai mei you dao si shi sui ken ding de</mandarin> then you can actually take one lump sum then you decide what you want to do with it


no it's not possible, err so low is a very subjective


err not likely ya, ya so because so err in insurance right usually you will receive a, err letter every year to say what is the err bonus that you get ya and then what is the kind of a returns that uh will be put into the insurance policy so once this bonus is err declared right it is it's already it will put in add it to your policy so therefore it will not be zero in the way lah


ah, but it's it's a way of a force savings lor, ya


err hospital is <mandarin>必须要有的对:bi xu yao you de dui</mandarin> so okay so another way which some people they look at it, so okay so another way which uh some people they look at it, that err, a bit grey area <mandarin>就是:jiu shi</mandarin> whole life insurance


err versus a term insurance, ya from what you using should be whole life lah, !wah! that's worse seriously


, okay err


yes but that one is a standard table, yes correct, that one is a standard template


so so usually the returns is between these two range lor, so it's not too bad ya ya ya correct correct correct, no like ya ya, no because you mentioned about investment linked is different thing you know


if you are talking about investment linked then it's another err, kind of product already, it's not whole life you know it can with whole life but it's tied to one to the investment, meaning to say an investment linked policy right so for example if you insured for hundred thousand


but because you the money you pay is for the purpose of investment, so investment as you know go up and down, ya so if it happens that err , the way you, uh if it happens that err when you anything happen to you and you pass on right


your investment, happen to drop at that time, then uh your, insurance company will not pay you one hundred thousand


you get what I mean, ya so because and then maybe because when you pass on right the fund is not doing well, ya, err I can I can see for you lor


sum assured


no no, what you will get is it because only when you pass on, it is is should be lah based on what you said it should be, but ya that's why that's why a lot of people that's why err people like us come in lor it will because is to educate to


to help people ya, so err, no lah maybe what you can do is to, err let me see your insurance then I will be able to explain to you clearly ah clearly ya, ya


uh most okay no I wouldn't say most lah okay some people, I'm very realistic one once if they have no value already right, don't care about you already


it's a fact of life, yes some some think this way some don't think this way, ya


ya lor some people <mandarin>就是很天真的:jiu shi hen tian zhen de</mandarin>


oh <mandarin>都没有啊:dou mei you a</mandarin> oh okay okay, (ppc), ,


yup yup,


(ppc), , , so, so ya lor so <mandarin>有些人就是就比较现实就是这样子:you xie ren jiu shi jiu bi jiao xian shi jiu shi zhe yang zi</mandarin> lor


okay lor, , no what contacting doesn't mean to having some <mandarin>如果他们这样想的话:ru guo ta men zhe yang xiang de hua</mandarin> then it's really like some ulterior motive Liao mah


(ppc), so when you spoke to her you say recently right, oh that's has she reply you


(uh huh), ya, ,


yup, okay okay okay okay, ya, yup


okay, reply you soon about when to meet up, okay, okay, I mean alternatively <mandarin>你可以自己去那个:ni ke yi zi ji qu na ge</mandarin> office there to do it lor


if you are really decided, to, ah ya lah ya lah she is obliged to service you lah so


ya ya ya so let's see lor if, is she would see whether she, it does not affect her ya I mean lesser she she would be happier also lor


[orh] <mandarin>不会不会:bu hui bu hui</mandarin> so if it is what happen to in all the insurance company who have their own like customer service officers <mandarin>就是去做这些:jiu shi qu zuo zhe xie</mandarin> we call it the we call it <NEN> ah ya, servicing work lor ya


but anyway it's up to you lah I mean of of course if you want to meet up with her then, you probably need to sign something


ya ya ya <mandarin>也是可以:ye shi ke yi</mandarin> lor ya lor ya lor ya lor, ya so but moving forward I think is there's


you let me take a look first then I'll see how much you can get


it cannot be zero one, , what did you buy


, so it's really investment link do you did were you asked to select err any unit trust any fund


but then that's standard, that's standard letters send out to all ya, no lah you don't buy of course you wont ya even if don't you are not buying the investment link one you will still receive


ah, true lah true lah ya ya ya if is zero versus but I mean anyway you you need insurance also right


I don't mind lah, friends leh, doesn't matter no actually I also do Tokio marine but for okay, aviva is just the aviva is the name of the company but actually I do for manulife axa NTUC


the axa, no no no is is variety one, ya ya ya ya correct ya, so and and the reason why also I want to, err be this line is also because I feel that err there are many people who needed help


ah in in this err in this area ya but there again the help that many a time they that they turn to right they don't really get genuine help


ah, okay err when I was, okay I I didn't started off in this line, in fact I started off in banking after graduation I I was doing


no I'm not I'm not not not from any of the local U ya but I was doing international marketing ya to my initial use, , so <mandarin>以前二十多岁的时候:yi qian er shi duo sui de shi hou</mandarin> then err <mandarin>我一直觉得保险很重要吗:wo yi zhi jue de bao xian hen zhong yao ma</mandarin> so I approached my friend


so err, then, when then some one day right I was so I was err, studying I decided to upgrade myself I went to take on err finance MBA


then after that <mandarin>我就:wo jiu</mandarin> on top of that I was reading some books about getting rich and things like that lah I got interested lah I think ya I think ya ya and then got very interested then it made me do did a a mid career switch to banking lor


ya so, ya so


ya but he is my friend ya and he is my friend, ya so so that's why <mandarin>就:jiu</mandarin> precisely and no he in a way he is genuinely concerned that right that err


, that's fine ya because <mandarin>五十多岁:wu shi duo sui</mandarin> you you are probably still in working but <mandarin>九十九岁哪里有人还到还到这样的:jiu shi jiu sui na li you ren huan dao huan dao zhe yang de</mandarin> premium right


ya that's why I err, err, I going to do do this line lor in the in the way lah ya and and and as I spoke to people so I realised also that a lot of people, err


are very err lacking in knowledge about these don't know what to do whether they are rich or they are poor, ya and they also don't know how to plan about this kind of insurance schemes ya so err I see the important lor


ya, so, so err ya I bought for my dad err but it's only at the really later later stage, ya so by that time, oh together together dad and mum together


, but becauseerr, but my mum, err you cannot even buy


ya because err most insurance companies wouldn't want to cover you one, ya, so so that's why like for your case right err, it's good to have, insurance to have


(hmm) it will be higher but not err not very high lah


ya, because still considered young mah, ya, actually if you do a proper financial planning hor you would know how much when you do your calculation of how much you spend how much you save how much you and then you look at it then


err, should be, enough [bah] I I guess, as in, as in as in if you do such planning already right then , err the last thing you want to do normally hor is to reduce your premium


I know lah ya, understand


, , (ppc) then right now when you are in right now that you are in singapore then how do you


sustain your, daily living, yup, when you go out, and, food transport


phone bills, okay okay and that's enough lah, okay


oh, okay okay, okay, but while you are in singapore err do you explore ways to, supplement your income


besides other than this one got anybody come to you


okay, okay, you can, (ppc)


yup yup, ,


okay okay, ,


, so currently what are your plans, like you will be here until when


[orh] then that is the plan lah, okay, ya ya like definitely not this year definitely ya, that's what the government says what, the the people


ya lah, home okay you use the word home , hong kong why do you say hong kong


so does it mean that once you are out of singapore already your income will increase


no uh, okay


ya lor ya ya ya ya exactly


but <mandarin>现在你吃穿是免费吗:xian zai ni chi chuan shi mian fei ma</mandarin> if you are stay home ya lor, okay okay but but, but putting away all the expenses side between singapore and a an overseas right would your income be higher


okay, okay, then then does it cross your mind how would you want to increase your income


oh you have a business, oh that one oh okay okay okay


okay, before this COVID thing happen does it has it been profitable, okay


, , , okay, (ppc) true true


is there any way for you to get err more regular income, will that be in singapore or overseas


have you at is there anything you have do you have any idea, , , ohokay


true


true true, true true true, , okay


okay, okay, okay, cool, (ppc)


oh okay okay, , , ,


, , (mmhmm), , , ,


okay, okay


, okay, ,


(ppc), true, okay


no typical typical typical typical, typical day, ah typical day typical day,


(uh huh) okay, , okay, okay


(uh huh), , ,


, <mandarin>我也是这样啦:wo ye shi zhe yang la</mandarin> so normal, ya ya ya everyday ya ya ya, yup


, okay okay


[orh] okay okay ya, (mmhmm), okay


ah


okay, okay, okay


okay, okay okay


, so you enjoy this kind of life, !huh! okay, , okay


(mmhmm), okay


ah, ah, ah, ah, oh okay


, okay, so it's a personality thing lor ya lor ya ya you enjoy so much whereas for me I don't really enjoy so much but got to get used to it lah so


okay


okay, I was just trying to imagine <mandarin>你讲的:ni jiang de</mandarin> a lot of energy taking out of you right when you are overseas


, okay, ya ya ya ya ya, yup


ya ya ya ya ya, ,


ya ya ya, ya ya ya, , , ,


, , true true


, (mmhmm)


yup, ,


ya, , true true true


, , , understand


okay, okay okay, , (ppc),


okay, okay okay, so but even but when you are overseas then <mandarin>你还是会:ni hai shi hui</mandarin> get some emotional support, though if they may be different


, okay,


, okay okay,


true lah true lah, ,


, okay okay, eh <mandarin>你在你你:ni zai ni ni</mandarin> <mandarin>有没有一个:you mei you yi ge</mandarin> like <mandarin>有什么:you shen me</mandarin> mentor or something like that, oh okay


[orh] okay, okay,


yup yup good, ,


[orh] [orh], okay okay okay, [orh], okay


, , okay okay okay, ya, err


ya then right


[orh] ya ya <mandarin>对对对:dui dui dui</mandarin> ya ya ya <mandarin>这个对:zhe ge dui</mandarin> <mandarin>谢谢以及:xie xie yi ji</mandarin> , okay lah <mandarin>大大大子上:da da da zi shang</mandarin> okay lah okay lah


ah, okay, do you have a, ideal country that you want to visit


, oh okay, okay, you didn't have an answer ah, okay


okay, okay, okay


okay okay, so so you so you think you will enjoy most when you go to taiwan lah


, taiwan is my number one asia country favourite place ah, err I don't even mind staying there ya <mandarin>我喜欢到我我:wo xi huan dao wo wo</mandarin> don't mind to retire there


ya many many times, err work and holiday both (ppc) ya <mandarin>我就是很喜欢:wo jiu shi hen xi huan</mandarin> taiwan, ya ya exactly lor (ppc)


, so <mandarin>我第一次去的时候是:wo di yi ci qu de shi hou shi</mandarin> when <mandarin>我在:wo zai</mandarin> NS <mandarin>因为:yin wei</mandarin> <mandarin>我们:wo men</mandarin> NS <mandarin>有那种:you na zhong</mandarin> err, some army exercises mah which we need to do


ya and err so, general <mandarin>我真的是很喜欢:wo zhen de shi hen xi huan</mandarin> taiwan so but that's that's my number one country in asia, but <mandarin>如果说:ru guo shuo</mandarin> international <mandarin>的话我会选:de hua wo hui xuan</mandarin> US lor


so, US <mandarin>的感觉就很不一样啊就是真的是一个:de gan jue jiu hen bu yi yang a jiu shi zhen de shi yi ge</mandarin> freedom, !wah!, okay lor but , so


no leh I feel very safe there leh, doesn't matter whether is city or rural or ya, ya <mandarin>我去过:wo qu guo</mandarin> different parts of US I just feel that it's very it's a very nice place to be in


people are friendly I feel, <mandarin>会不会是:hui bu hui shi</mandarin> some misconception you have


okay, okay okay, I like travelling a lot, ya but not so ya, so, , argentina


<mandarin>那个就是:na ge jiu shi</mandarin> furthest Liao lor ya, [orh] okay okay okay last year ah, [orh] okay, no I always wanted to


okay okay okay,


near Vladivostok, i know I know I ya ya ya ya ya, ya because it's very near china that's why I know


(mmhmm), (mmhmm), (mmhmm), okay okay, so ya, that's nice so


how do we, how do we, so, no I mean we can continue lah but of course we ultimately we need to, stop but is there anything that we need to, we just don't like that ah


okay [lor]


so how today you working here, ah, so what do you do here ah


, ah, ah


then what's your job scope now, then actually last time <mandarin>你是也是:ni shi ye shi</mandarin> finance <mandarin>的:de</mandarin> right


ah, [orh]


, very cut throat one right, very cut throat


last time you which bank one, it's also like customer facing one or what, not the corporate client's kind right, [orh] consumer


then here you enjoy it here, ah


but you have a team right, ah, !huh! you join that time or ya cause circuit breaker right


then <mandarin>你的:ni de</mandarin> interview leh <mandarin>是什么:shi shen me</mandarin> like zoom ah zoom interview, ah


in office lah, are you all still hiring, so your product is mainly insurance


a bit different from your bank one right, last time is more like investments deposit that kind right


investments


ah, then <mandarin>现在:xian zai</mandarin> is commission based, but got basic one right, ah


[orh] confidential is it, okay okay then you don't say


okay but then I think these kind of job hor requires a lot of self discipline right, cause <mandarin>你要一直去找你的:ni yao yi zhi qu zhao ni de</mandarin> the client


I just you know I just contacted my my err financial adviser to tell her I want to reduce my premium , cause last time I was earning quite high salary what but now my now is only a very small allowance for uh our church so like


I cannot afford to keep paying that previous high level of premium lah, eh but actually I wanna ask you hor like I'm I generally wanna know lah since I contacted my financial adviser hor I tell her that <mandarin>我要:wo yao</mandarin> reduce <mandarin>那个:na ge</mandarin> premium right


then she told me that err it's uh as in like they will refund me the difference right like <mandarin>那个:na ge</mandarin> premium, any any difference lah, so I was just wondering hor from <mandarin>他的:ta de</mandarin> perspective right, then <mandarin>他以前拿那些:ta yi qian na nei xie</mandarin> commission <mandarin>是不是也要吐回来:shi bu shi ye yao tu hui lai</mandarin>


for the past five years, uh ya four four five years, four years, it's not every year one meh


as in like my my my premium is is I'm paying for thirty years leh, as in after five years she's not getting premium from the money already


!wah! no wonder she reply me so slow lah, , but then that means I reduce the premium I still get a refund right, of like for example <mandarin>我以前一年三千:wo yi qian yi nian san qian</mandarin> then <mandarin>如果现在要:ru guo xian zai yao</mandarin> reduced to <mandarin>一年一千:yi nian yi qian</mandarin> that means I get a refund of


but is the difference very large as in my expected and what they will give back


!huh! , is err life, insurance lor like critical illness and then like , death, death and critical illness lah


ya ya ya


oh my gosh


but riders also quite long leh, ah


oh my gosh , Tokio marine <mandarin>的那个:de na ge</mandarin> insurance, she's not from Tokio marine lah she's the another company one


no I have another one is err, AIA hospitalisation, ah partially lah ya ya


no what that one is, I think rider, I also don't know leh wait no I think is I think is the rider portion is it


I know she got say got one portion is must pay by cash one, but that one is not a lot lah that one is okay


no like five years ago lor, no lah not so much hospitalisation leh


you mean like cash or plus CPF


class, A or something ah small one, ya ya ya so like it's the very good one then I realised okay actually I don't need so good lah then I reduce then like from <mandarin>三百多:san bai duo</mandarin> until <mandarin>现在:xian zai</mandarin> just <mandarin>两百多:liang bai duo</mandarin> lah


ya so that one is quite okay, ya, but the Tokio marine one right, that means she don't need to, give back <mandarin>那个:na ge</mandarin> commission that she earn


cause I reduce the premium then the company make losses right, actually no leh actually they also earn right, oh ya cause I I already put in the money and they already they invested the money already what


, shouldn't have so much in the first place, three thousand plus a year


!hannor!, but actually when I see it right the things that they insure for right, don't know leh like like the scope is not very wide


it's really quite critical kind, okay ah that's why it's called critical illness ah ,


so you got buy for yourself like here as in you, but <mandarin>以前你已经买了:yi qian ni yi jing mai le</mandarin> lah, !huh! , no wonder you join and you really believe in what you are what you are selling


!wah! my father totally don't believe in insurance one my parents don't have one, you never persuade him to buy , oh ya now buy also like, not worth it lah


you bought for him, ah, but not the critical illness kind right


ya cause the age will reduce, !wah! so what plans you have


do we have in singapore ah, but usually is for self employed people one right, oh employed also ah, [orh]


, , ah, [orh]


ah, err what what is the wasting money what what is the wasting money kind, ah, ah


ah, ah


ah, like endowment kind is it, my sister got that one


, , , endowment <mandarin>这种:zhe zhong</mandarin> hor, ah ah like how many percent


average leh average, three percent, lesser than CPF, , ya ya


, endowment <mandarin>这种:zhe zhong</mandarin> leh, ah


is it possible that your endowment plan in the end zero returns , or like the returns like the percentage is very very very low, okay ah like zero point something percent


okay, ah


ah, ah, okay


okay, then <mandarin>还有什么是:huan you shen me shi</mandarin> like not necessary one, but critical illness <mandarin>那种是:na zhong shi</mandarin> recommended one right


ya, ah, [orh] I think mine is whole life


and it's the, what you call it ah investment link one I think, why why why you say that oh my god your eye so big


wait that was scary okay I think because mine right, is like they got different like the table right <mandarin>有:you</mandarin> different scenario, then <mandarin>跟你讲:gen ni jiang</mandarin> okay if <mandarin>那个:na ge</mandarin> return <mandarin>是:shi</mandarin> like, two percent then how much you get back


then like if it is like four percent then how much you get back, you know what I mean, but I know that one is not guaranteed one they got they got put in the chart like uh guaranteed portion and not unguaranteed portion


so actually I want to ask <mandarin>那个:na ge</mandarin> <mandarin>那个:na ge</mandarin> not guaranteed one right


that means maybe like at average between <mandarin>这两个:zhe liang ge</mandarin> number lah, okay what that's still not bad what, I take at least got three percent what, then why your eye so big just now


, , ya


ah, okay, ya


actually now I don't know whether mine is even earning or not eh I cannot remember already, but my my guaranteed portion right is <mandarin>最起码有:zui qi ma you</mandarin> what I, put in ah


as in the premium that I pay, , err !aiya! so confusing what is it ah, what's the term ah like if anything happen to me


ya ya sum assured the sum assured the guaranteed sum assured right, at least is the sum is guaranteed what the minimum that I will get one, but the unguaranteed is like depending on <mandarin>那个:na ge</mandarin> returns percentage


so this is investment linked one right, , I cannot remember eh, so confusing


okay, but shouldn't my financial adviser be the one doing that,


but wouldn't she wanna keep in touch with me so that you know in case I might be interested in like more products what, why, they think maybe I cannot afford then they no point, , ya eh you know after I bought the actually I know her from church one


then, I thought she's really , like like I thought I know her quite well one lah, so I buy from her then after that right, she never contact me again


!hannor!, like after I sign already right then actually I went overseas then after that I join another church so I I I I don't really have any chance to interact with her anymore lah but I was surprised that she never even like like


like christmas merry christmas or like happy new year <mandarin>这种没有:zhe zhong mei you</mandarin> leh cos, that time when I went Shanghai right like for my internship during uni so I had to buy insurance, then that particular insurance agent right, like every year birthday he still send me happy birthday


the insurance was only for six month <mandarin>那个:na ge</mandarin> overseas exchange, then <mandarin>这个我跟她买:zhe ge wo gen ta mai</mandarin> like like whole life <mandarin>的:de</mandarin> then she never even keep in contact with me I thought they should be more proactive lah


so I was a bit disappointed , or maybe she wanna give me space leh


like she don't want to pressure me to buy more , ya lor that's why I was quite


quite surprised that she never contact me, I email her, you know what happen or not I was reviewing my policy lah cause I just reviewing all my like finances then I decided okay I better email her lah


so I email her right then she very uh on the ball she reply me like on the same day so I thought she quite on the ball lah then she still suggest like oh meeting up if I'm free, then I reply like the same day lah


then she never reply already leh then I was thinking okay maybe she need some time to, to, like err work on it lah to calculate do some calculations or what so like <mandarin>我等一个星期:wo deng yi ge xing qi</mandarin> right <mandarin>没有没有:mei you mei you</mandarin> leh, then I will think okay never mind maybe she very busy now work from home then got a lot of things to deal with then I wait one more week then second week also nothing then after that it kind of slip my mind already


then I continue waiting then like three weeks four weeks then recently I look at the email again to see like when, twenty nine june leh that's like <mandarin>一个月了:yi ge yue le</mandarin> leh


, twenty nine june until now so then yesterday I decided okay I better email her lah cause like <mandarin>没有声音了嘛:mei you sheng yin le ma</mandarin> so I email her lor then she reply immediately lah then she was like okay sorry for the late reply, then she say she will follow up and reply me soon lor


no no as in as in she will follow up about <mandarin>那个:na ge</mandarin> policy, then she will get back to me soon lah


you mean what Tokio marine, as in just bypass her, but I paid for the service what,


ya lor, , but if I go down straight to the office myself then how does that affect her


, ah, okay


no lah we can just do over the email what, right, they will mail it to my house what now now circuit breaker


actually hor actually what I had in mind hor I really don't want to have this policy anymore but <mandarin>我已经:wo yi jing</mandarin> sign <mandarin>了:le</mandarin> so like <mandarin>没有办法:mei you ban fa</mandarin> right


if I surrender then I lose anything leh right, cause I I look at the chart already if I surrender within the first


ya that's why I cannot surrender now what


no I look at the chart as in <mandarin>那个真的:na ge zhen de</mandarin> I look at the surrender value right <mandarin>现在真的没有:xian zai zhen de mei you</mandarin> zero surrender value


I forgot leh like <mandarin>很久了:hen jiu le</mandarin> leh but then I know every year they send me like <mandarin>一个:yi ge</mandarin> report of <mandarin>他们的:ta men de</mandarin> fund performance something like that one


okay, okay, but the surrender value is zero leh I might as well just reduce it better than surrendering


but you really don't mind looking at my, okay then I give them to you then I give one to you cause you are working for aviva but mine is Tokio marine what


ah, oh I thought only aviva one, [orh], okay


ah, ah


how did you get into this line one


were you from NTU or no SMU right, [orh] okay okay, ah, ah


, as in you just <mandarin>自己觉得:zi ji jue de</mandarin> or like you had a lot of friend also, ah, ah, ah ah


ah, ah, rich dad poor dad


ah,


but your friend leh


ah, ah, !wah! at least mine until like I think, thirty years thirty years until <mandarin>五十多岁:wu shi duo sui</mandarin>


ah, ya you you die also need to continue paying , oh ya <mandarin>还要再还:huan yao zai huan</mandarin>


ah, ah, (ppc),


ah, , so you so you got buy for your dad,


then your mum leh, [orh], ah


that one is not insure that one is not insured, okay, ah


actually even if I, even if I surrender my policy now and if I want to buy another one, cause like given my age now, it will be higher the premium


okay, okay I just think that I am paying too much


ya I do that, what do you mean


actually cause, like I said at the beginning myself my my income was quite stable, then in recent years is very unstable and dropped a lot that's why


don't know <mandarin>要不要:yao bu yao</mandarin> surrender or not cause I only buy for two years if I surrender at least , don't need to keep paying lah just surrender for the first two years at least I don't have to keep paying


like just wasted lor so I just okay lah I think just keep paying first then pay until I think (ugh) cannot I must do something about it


I still stay with my parents what, so I don't have any major expenses, err as in our club our church got give me a bit of allowance what


not enough lah that is why must reduce my insurance what okay lah food now circuit breaker so I don't go a lot what I try not to go out so much also what so still okay lah I try to save at least half of what they give me more than half


ya, now lor that's what we are doing lor , I never actively try to find uh that's also because I know that


it's really a precious time for me to rest, and if I just spend all my time like trying to earn money, then it defeats the purpose of this period of time already, then is like


I cannot recover, you know what I mean, but I used to be in I used to I used to do auditing lah so so, when I first came back I had a friend friend, a friend's friend who was also accountant then she do freelance so we were just talking lah then I was just telling her actually I quite miss doing accounting so <mandarin>他介绍:ta jie shao</mandarin> as as in she got pass some of her jobs to me actually just one lah she pass one of her job to me and then she told me that okay lah she let me do then like she just take a cut of it lor but that was only one project and very <mandarin>简单:jian dan</mandarin> one one day I finish already then after that <mandarin>没了:mei le</mandarin> because at that time I was still


thinking oh maybe I will leave soon uh so like very hard to plan anything, about what, his plan is my plan lah I got no plan I also don't know when the when the planes can fly when the borders open then I can go lor


I guess but it doesn't look like it's anytime soon, I was no not this year I was still hoping by the end of this year I can fly leh


the government say leisure no leisure flying I'm not flying for leisure what I'm flying home what , I don't know like if I go back hong kong then


if I transit through hong kong then like, to me that's not I'm visiting family I'm visiting relatives what


no, but at least my expenses not so high I come right the MRT <mandarin>就四块钱了:jiu si kuai qian le</mandarin> leh to and fro, ya expenses is very high in singapore leh, overseas


as in like okay lah I got I got a lot more, other expenses overseas at restaurant but other than the other than the high, like like rental <mandarin>这种:zhe zhong</mandarin> <mandarin>吃啊那种:chi a na zhong</mandarin> is cheaper than singapore


ya lah if I stay at home lah but as in I'm just comparing lah if I go out a lot right, then I'm spending about money in singapore


no really unstable leh I also don't know, of course lah of cause it cross my mind lah that's why I'm working hard on my business now


as in the guest house business that I been that's why I am trying to work on it to make it a profitable business so that it can also like be a source of income for me when I'm living overseas lah


ya but as in how to say leh, it was sustainable and it was profitable for the first year as in the profits is not a lot lah and I didn't really pay myself some it was quite unstable also some months


that I feel like oh okay the revenue like the peak peak months the revenue is not bad so I thought okay <mandarin>我:wo</mandarin> I can afford to pay a bit, but then like there are some months where is like the low season so I didn't pay myself lah so it's a bit unstable lah


but at least when business is good I can pay myself, even though it's just a very token sum but at least it is better than nothing , ya


, I also trying to, I also don't know leh, I also hope so


actually if I take on accounting jobs I can increase my income one but my energy is limited if I spend my eight hours a day of like let's say working hours if I spend eight hours working hours doing accounting


then I don't have the eight hours to work on my business, and I don't have that eight hours to rest and recover because I think for me that's very important also because when I'm overseas it's not the work that is just challenging


it is the fact that I'm leaving there, and interacting with people that, I'm different from you that it's very mentally and emotionally and spiritually draining like it's very very draining and I feel that now that I'm back


I am really thankful that I have this extended time to recover, then


I don't get to rest lor, and it is really quite hard to strike a balance between all the things I'm doing lah cause I'm also learning I'm self studying korean now like I'm still studying language like at home, and I don't want to loose that because if I neglect that


then is very hard to pick up like you know what you also study language before if you for a long period of time you don't practise then you will lose it what so as I I still try to keep up everyday like I will spend a bit of time everyday studying, on top of that I'm like trying to


do a lot more reading, and, doing a lot of journaling reflecting processing praying talking to god , ya lor and


exercising also I'm spending a lot of time exercising like just trying to be healthy lah like not just physically but mentally emotionally, so I feel like my energy is quite limited, and my time is quite limited also and I am quite err


I I try to guard my, my time now, better lah like I try to guard it tightly lah, but especially like sleeping time like my as in my routine lah I'm trying to guard my routine quite tightening because


I don't like when I go back overseas, like when you don't scheduled things is very, , not disciplined, so I'm trying to cultivate <mandarin>一个:yi ge</mandarin> discipline the habit of keeping my routine


especially like sleeping time waking up time exercise time readings studying <mandarin>这种:zhe zhong</mandarin> so that when I go back, I won't lose it lah, and that I will keep it up lah, that's why I'm trying not to introduce so many changes to my schedule also


ya and, if I take on more accounting jobs, if I I can go and actively find lah but if I do that I think it's just adding stress to myself, even though


I do enjoy doing it, but it's also stressful, ya so I think I want to set my priorities right first because actually now even though, , my income is not, it's not very high I'm not starving what I'm still staying with my parents what and


not that I'm lazy or like trying to rely on them but, I feel that, different seasons have different priorities and I feel that in this season now rest and recovery


it is very important more than finances, ya, no leh I as in not very busy but I am occupied and I feel that I don't have enough time to do what I want to do


I really don't have enough time to do what I want to do you know , you want me to give you a very detailed description , as in, typical day, my typical day starts at five AM


my alarm clock rings at four fifty AM my alarm clock rings at four fifty AM, so I wake up at five AM, then I will, do my quiet time


then after that I will do a bit of stretching exercises, I do a bit of exercises until like around <mandarin>七点七点:qi dian qi dian</mandarin> then I read newspaper


, oh you also straits times, ya I also read everyday straits times, then for the maybe like I try to keep it keep it short lah this time I uh as in these days I don't want to exceed one hour


so maybe until like, but it's every day for a short period of time lah then I will spend on time reflecting on it also so maybe like around half an hour


eight thirty then I, will start studying korean, until about, ten o'clock, depends lah but sometimes until about ten o'clock then I korean I watch korean drama for one hour


then afternoon I will usually, okay I I a bit disciplined now so monday


like harvard courses those online free courses lah, so just whatever topic that I'm interested in I will finish the whole course so like every monday thursday friday afternoon I will do that then tuesday, eh tuesday


, tuesday wednesday, saturday, I will spend my afternoon working on business, like reading business books or like articles like resources lah


then until, then I will do reading, like whatever book that I'm reading at the moment lah, until about forty five then I exercise


I will go running or like I do HIIT exercises at home for like one hour, let's say I start at five until six six plus, then I reach home I will, do fifteen minutes of stretching


and then I, just do a bit of journaling do a bit of like devotional reading then I by then I eight thirty I go and brush my teeth already


, eight thirty I go and brush my teeth then like, then I go to bed, then I do some reading


, see my one day is already quite occupied even if I'm not like doing like like, work as in not work as in like err


like earning money kind of work lah, ya I enjoy <mandarin>我觉得很充实:wo jue de hen chong shi</mandarin> leh, ya, no but but sometimes I will feel a bit Sian like a bit lonely but I will have my whatsapp is like


I always got a lot of friends to talk to like if I want to so sometimes if I Sian then I will just message my friends lor, ya lor so like I'm not bored leh, sometimes I feel Sian but it's not bored kind of Sian it's more like !aiya! just like


me and my parents at home then like I want to HTIT with someone that kind of Sian not the I'm bored I have nothing to do kind of bored, ya lor, you will be bored staying at home is it


[orh] I can leh in fact I was very sad when the circuit breaker finish, when they announce phase two right I I was ah Sian everybody start coming out already , I enjoy phase one so much,


actually I think I'm not always like that, like <mandarin>以前:yi qian</mandarin> I will always go out one when I come back right I will always go out like everyday <mandarin>我就出去:wo jiu chu qu</mandarin> meet friends catch up with friends, I think maybe <mandarin>老了:lao le</mandarin> leh, , then I realised !wah! meeting people and talking to people actually suck a lot of energy out of me


and if I stay home the whole day right actually I feel like, , I think got to do with my time overseas also lah, because I had a lot of energy taken out of me, that now I need a lot of time to


recover,


no leh sometimes I take a bus I also feel like !wah! really, a lot of energy to just get out of the house, , no as in the culture is very different what as in like in singapore right you know what you can you know what you expect and you ya very comfortable with life here


but when you go there you go to the supermarket right then everybody keep shouting at you everyone is shouting, and then you pay you just need to make a very simple payment they also like talk to you like as if they are so rude to you, you get affected also what right even though you are already accustomed to it but is


, like not natural to you, so sometimes you will be very affected also what even though you try not to,


it's it's not a natural thing to you what then it will make you feel very , sometimes make you question your, oh got something there , just leaving lor just leaving itself is already like the difficult thing I feel


even though I enjoy it lah but it's just that, you cannot like twenty four seven be enjoying it what true true, there are times when irritated, ya lor and some more the support system is not there, as in singapore right


if I'm feeling down, if I like, Sian I need someone to talk, I can just text my friend what like I just I just whatsapp my friend even though


the problems that I share with her we have the same context, but if I'm overseas right, if I text my friend eh !walao! the water heater spoil again you think they understand what I'm saying meh, the context is different what if I if like the water is coming out of the tap water it's very dirty


and I have skin infection problem and I tell my friends these kind of things right, they cannot imagine one what, and, the level of connection is different already, so it's like I feel like


is the feeling of loneliness and isolation, in singapore <mandarin>你有什么:ni you shen me</mandarin> problem, you tell your friends they sure understand one what all the same context one, but overseas is like if I want to tell my closest friends in singapore


just cannot relate lor, I also feel that being overseas it, affected my friendships with my closest friends, I mean whether it's believers or non believers just my closest friends, just because the environment is different the things that we talk about is different my problems are not the problems that they face and the things that make me happy


you are not here to experience it you don't know what I'm talking about then if I shared it with you, I feel like we are not on the same page, so I'd rather not share with you lah because I feel that if I share with you you don't understand, it makes me feel like there's a gap between us


but if I don't share right then sometimes is also like <mandarin>没有:mei you</mandarin> common topic, then the friendship will also drift, but I it's not that I don't have friends overseas I friends overseas, but it's different from a friend that you grew up with in singapore mah


like for example <mandarin>你的:ni de</mandarin> primary school friends <mandarin>跟你的:gen ni de</mandarin> working friends, so like overseas is like, different cultures some more , it's not just that <mandarin>我认识你:wo ren shi ni</mandarin> for <mandarin>一两年而已:yi liang nian er yi</mandarin>leh is like the culture the background the upbringing is so different also


so it's like even if I I am very good friends with you I confide in you, there are some things I cannot tell you one, and those things that I want to tell my closest friend in singapore they also cannot understand what, , that's a struggle lor


so that's why like just living there itself is hard, it's this kind of emotional, struggles


difficult to overcome for me because I rely a lot on my friends I realised, ya as in for emotional support


ya <mandarin>会:hui</mandarin> lah as in I'm also very thankful that that, there are some really good friends that I have, like come to know, but some of them are also foreigners so some of them


have left the place also so when they leave I like so sad because, I came to rely on them so much, then when they left the place then it's like my support is gone, ya lor <mandarin>有这种:you zhe zhong</mandarin>


like people come and go come and go kind of feeling you know so it sometimes makes me feel a bit, disillusioned I guess, but then maybe after like <mandarin>一两年你就走了:yi liang nian ni jiu zou le</mandarin> but I'm still here mah


then like , a bit sad lah, it's not that I don't keep in touch with them but it's just that it's different lah then I have to make new new friends, as in develop deeper relationships with other friends, , so it's like


my heart keeps breaking, , ya lor, my agency


but she ah okay she's older and more experienced and she got visit me, like twice in two years, but, disturb <mandarin>她也是:ta ye shi</mandarin> ya


actually our church right there's this couple they were also in the same place as in not the same specific area but like the same country but they are now back, in singapore, and, we did a coaching session once lah


and, I've been thinking about maybe, see how it goes lah but I would like to maybe develop deeper, relationship with them and just, can talk to them more because they are experienced and


now their role is like they want to be in a coaching mentoring role, ya, our church department <mandarin>有人:you ren</mandarin> introduce


ya so I know them since three years ago but at time I just left and they just came back so it's like very hard to maintain in contact but now that we are all in singapore, so we reconnected


ya, ya, actually how did you come to CG one ah, you just apply the form


ya, actually maybe we shouldn't talk about this hor , ya ya maybe I should ask you something else, ya ya ya but just now that one okay right what I say


it was very general okay right, ya, ya,


ya when we came here what I was not even one years old leh, okay lah but after that every year we will go back like go back to our home country and then like visit relatives, and, every year will go holiday also lor like my dad will


bring us go holiday, ya lor, eh funny leh just now when I was before I came here I was thinking to myself okay what kind of question should we talk about then I I I was thinking about this question also then I was thinking what is my answer


then I realised I don't have an answer isn't the answer, actually last time last time I would say maybe new zealand, then I went there and I live there for six uh three months already, then I realised actually I don't really like Angmoh countries so much


then I think actually one country that I really like to travel in is taiwan, but that is travelling lah doesn't mean that I like it living there hor


my favourite place for holiday so far is taiwan, ya, you leh, as in just for travelling lah


is it, you went there many times before, , for work or just holiday, !wah!, why ah I also like taiwan leh a lot I think they very friendly


and like the communication <mandarin>没有问题:mei you wen ti</mandarin> cause we all speak chinese what, ah, (ppc),


I don't know what you talking about I cannot understand lah,


, , !wah!, taiwanese


ah, [orh] I never been to US


too much freedom leh , okay lah I never been there lah so it's just


ya it's true , you don't feel like you feel safe there, in the city area lah


actually the last place that I will want to visit is the US , , ya but also I just feel like generally I'm not


I don't have, like 特别好感 like towards like Angmohs, you like travelling right, ya I also like travelling a lot, where's the furthest you've been to


!wah! argentina <mandarin>你也去过:ni ye qu guo</mandarin> [orh] that one I never go, the furthest I went was, #saint petersburg#, last year, ya, russia, have you been to russia before


cause my roommate uh when I was studying overseas my as in just last year, my roommate is a russian


okay, actually I also got quite a lot of things that I like to do on a regular basis, like sometimes


then we'll go out to eat, ya I like the food at the alexandra market there especially the avocado juice, ya so other than that I also like to go to the gym


ya <mandarin>你:ni</mandarin> eh, ya somewhat


[orh] !wah! cool leh what's your youtube channel ah , I still want to go and follow you and give you a subscribe like your video


oh but speaking of travelling like now this whole COVID nineteen situation a bit hard to travel hor, ya, uh


ya singapore is like summer throughout the whole year lah , understand understand about for myself I haven't been to much cold countries ah I like to explore more


oh okay okay you went to you went to korea before which part of it


oh you made Kimchi, how old were you then like that's really young


but you still can remember your Kimchi , oh, [orh] is it cause it's too spicy for you back then


, I see I see so other than Kimchi like the rest of the korean food is okay for you know I heard the food over there is pretty good


[orh], ya man a lot of people say the good


food is all in korea especially the korean barbecue ah ya cause they use the very high grade of the <mandarin>牛肉:niu rou</mandarin> ya


oh okay okay, so other than korea, any other places


oh ya there's one country I went to it's more like it's not really , in a winter period but then it was still pretty cold it was err taiwan ya so when I went taiwan it was


ya so it was it was really cool back then I think the temperature was like around


ya so as we went up the mountain


korea or japan right I heard many bad stories about it ah like how vicious the weather can be, was it was it really that cold


thirteen degrees oh my


[orh] that was when you were very young as well right, oh my


, !wah! then like quite Sian hor, so you only go there like once only


, !wah! your love for japan very good ah , [orh], !wah! then you got watch a lot of animes ah like that


!wah!


for one piece I think total total got err, at least <mandarin>八百个:ba bai ge</mandarin> episode ah I mean like uh during quarantine people can watch one piece every single day for them to catch up ah


it's the real it's the real otaku life


true true, but then like that you got watch any <mandarin>韩国戏:han guo xi</mandarin> or not


IU


oh, ah then for anime wise <mandarin>你就:ni jiu</mandarin> don't watch the mainstream one but then for K drama you watch the mainstream one ah


, K drama that I watch right was the descendants of the sun, ya so the one with the #song joong ki# ya everyone was fangirling over him ya then there was this episode I remember it was so sad is like err


the climax I think uh #song joong ki# died but then he actually never die, then after that err when they meet together already it was so touching then I cried so much at the episode lah but then for some weird reason right after that episode right I never continue watching already like


it just stopped there I think it was the second last or last episode lah but then I just stop it , I don't know eh I think I gotten my my money's worth lah you've cried so much at the episode already


oh


ya there's this is another very very popular one err I don't remember the <mandarin>语声:yu sheng</mandarin> eh I think it's called <mandarin>来自星星的你:lai zi xing xing de ni</mandarin> you got hear before, I think err there's the actor #kim soo hyun# !aiya! I don't know lah but I also never watch lah but it was super super uh popular I think my all my aunts <mandarin>有:you</mandarin> also got watch sia


ya so I think nowadays err, even people of the older generations are being attracted, to this kind of drama because in the past err I think those uh drama <mandarin>比较:bi jiao</mandarin> popular <mandarin>就是那种香港台湾:jiu shi na zhong xiang gang tai wan</mandarin> then nowadays is the koreans are taking over


I know one is taiwan lah taiwan you know the <mandarin>爱:ai</mandarin> ya


then there's the the song that everyone knows uh <mandarin>我问天:wo wen tian</mandarin> ya


oh you yes meh, [orh] then I think maybe I don't know eh I I everytime thought the name of the show is just called <mandarin>爱:ai</mandarin>


but there's this but there's this uh particular thing that my mum, doesn't like about K drama is she just feel that uh all of the actor and actresses they all look the same and she just she like <mandarin>一下子就:yi xia zi jiu</mandarin> eh


I think it's the same ah like how we feel, not we feel I think when we were young then <mandarin>我们看那些美国人我就觉得全部都看起来差不多一样的:wo men kan nei xie mei guo ren wo jiu jue de quan bu dou kan qi lai cha bu duo yi yang de</mandarin> I think for their side you also <mandarin>觉得:jue de</mandarin> eh


I cannot tell them apart because got the sames err facial features


I mean maybe it's just a way for your aunt to differentiate people lah, I mean like uh everyone will have their own unique facial features in the end but then, some people identify with certain particular, feature so I think your aunt's like that now


that's pretty funny


, and there was a period of time I also ah like err I think when I was young, then I see err , this movie fast and furious, ya so there was , err dwayne johnson, then <mandarin>还有多一个叫:hai you duo yi ge jiao</mandarin> vin diesel then <mandarin>两个都是光头的:liang ge dou shi guang tou de</mandarin> mah then like I a bit the confuse throughout the movie like eh


but I think the reason is just people like it then that's why they want to just continue with it lah I mean if it's good business obviously they want to continue with it also it's like harry potter mah, but harry potter is more like uh because the author wrote so many books as well lah


then the movie they all got also <mandarin>很多:hen duo</mandarin> lor


oh for twilight


actually I also don't really watch a lot of


then <mandarin>就跟我爸爸妈妈一起看:jiu gen wo ba ba ma ma yi qi kan</mandarin> lor like they all want to watch then just uh, watch together as a family, but then there's this thing about the movie that I just couldn't catch what they are saying because of their accent


ya so I cannot even catch the whole story plot then I just don't understand lor, I think same for lord of the rings ah, ya I think I watched a bit before, like I need once it was on TV and then


err just watching and then just realise, like halfway I couldn't even catch anything then like ah nevermind lah <mandarin>自己做我自己的东西就算了:zi ji zuo wo zi ji de dong xi jiu suan le</mandarin>


true true, !wah! that one is really the ending meh I there's


I mean there are still other movies that might continue with it I don't know, or is that really just the end already


what's the last movie name ah what's the what's it called, final, I forget ah but then I only remember like before they add that last one right then


!wah! <mandarin>超夸张的:chao kua zhang de</mandarin> like so basically is, you, err the the cinema they all screen movies right from the first first of the first the superhero I think it was hulk, ya so they slowly slowly just play play play the movie so it's


I think it was total of don't know, maybe like twelve hours something to go through the whole marvel series before they watch the oh ya I remember is called endgame, ya so !wah! I think


for the harry potter last time also when they before they come up with the last movie they all had this uh movie marathon also, ya but personally I don't think


I actually also <mandarin>不太清楚:bu tai qing chu</mandarin> lah, I how <mandarin>好像有听过:hao xiang you ting guo</mandarin> but


same same I think good enough lah I think those people that read the comics is those, actual die hard fans for marvel then y'all will collect the figurines all those things but then, think those the for the norm


people <mandarin>就:jiu</mandarin> just, favourite hero, !wah!


favourite hero or like just one superpower I can have or what, <mandarin>没有想过:mei you xiang guo</mandarin> eh


I don't remember


[orh], oh, I okay okay I don't exactly remember the scene but I've seen many memes about it


ya like how he replayed, err the history don't know for the how many thousand time and then the only result that he's hoping eh I don't exactly remember but like it's like there's only a one probability of us of them winning


[orh], !wah! when you say that it reminds me of , me playing pokemon when I was young so there's we'll like we'll play on game boy mah last time so like right before we reach the legendary pokemon right then <mandarin>我们就会:wo men jiu hui</mandarin> save <mandarin>那个:na ge</mandarin> game


because uh we all know that we all want to catch the legendary pokemon mah for ourself mah we don't just want to defeat it so we'll just, prepare a whole lots of ultra balls and, like because most of us don't want to spend away the master ball mah so you save a lot of buy a lot of ultra ball then after that we all <mandarin>就去那个:jiu qu na ge</mandarin> boss


fight <mandarin>那个:na ge</mandarin> pokemon <mandarin>我们就会:wo men jiu hui</mandarin> save <mandarin>那个:na ge</mandarin> game then <mandarin>我们就会一起去:wo men jiu hui yi qi qu</mandarin> try


can catch lor ya, I think it's somewhat similar


how about you eh uh what kind of superhero if you have a, choice, or a chance to become one


you're not


oh ya I think I watched this video that by right thor err I mean chris hemsworth wasn't supposed to be playing thor, like it was the the other actor in


who is thor's brother ah, do you remember, ya ya ya ya I he was supposed to be the one playing uh thor one, then ya like halfway through right then after that I I don't know for what reason after that chris chris hemsworth suddenly got the


the role then after that liam ended up playing the brother of thor so things took a turn, for liam ah, you know I don't know for good or for the worse ah but I feel that


through the movie err he gotten a lot of fame as well like not only chris hemsworth but liam as well so I think like not bad leh like, I mean he never got what he signed up for lah but that, is still good lah I feel


true true after all he's the main superhero and then his there's the another annoying brother


oh there's another one, ah I never watch so I not sure


oh, oh, okay so if you have superpower you don't want to get a superpower you just want to become, a <mandarin>帅哥:shuai ge</mandarin> ah


if he wasn't thor , so what about I think another super uh power that is quite cool is uh it's not from marvel uh it's, quicksilver


ya, ya so, I think flash also kind of the same, is he is he counted as the same kind of superpower I feel so ah ya so it's like super speed like, everyone say you only have twenty four hours in a day but then


come on when you're moving at that speed I think twenty four hour become don't know how many <mandarin>几百个:ji bai ge</mandarin> hour Liao


then there will be no use for cars and planes and anything cause you just run around everywhere like you want to go holiday okay then you just just pack my bag today go japan then it's like five minutes I reach already just run through the water


!wah! <mandarin>有这样子的:you zhe yang zi de</mandarin> ah but never announce you also don't know whether the the the investment opportunity will do well or not what


I think that's more for doctor strange lah he can go to the future and see what actually happen and then go in back to the past then , maybe that's why these two superpowers are quite, quite a special to me I feel


and imagine like you are doctor strange right after that you go to the future already you see the, maybe like there's a eight million TOTO then you go see the number then you go and try and just buy the TOTO number


!wah! <mandarin>纵超多钱:zong chao duo qian</mandarin> Liao ah , , but batman also very rich


ya so a lot of people say like uh batman or superman but like come on batman is just, super rich guy that's damn cool but he don't have superpowers he just, rich his superpower is having money then after that err


superman is like literally can do so many other, better stuff than batman, I mean that's just a cover up it's like spider-man also work as a clerk what


reporter reporter he's a reporter, ya, no lah err he's work he working as a reporter then after that , he wanted, to make a good


headlines for his company so <mandarin>他:ta</mandarin> just <mandarin>打扮:da ban</mandarin> as spider-man one day then after that <mandarin>他叫他的女朋友帮他拍照:ta jiao ta de nv peng you bang ta pai zhao</mandarin> then he use that photos for himself in his own job, ya because like the boss wants exclusive content mah


ya so, guess who got it , spider-man himself so I think quite cool ah


[orh] telekinesis I think I think it's call that, then like that wonder woman also can what


superman also what but superman is legit inhuman ah, like he can shoot lasers of his eyes come on, I think cause our superheroes are


have superpower but, not all of them ah, like if you see hawkeye, he just really good at archery , like <mandarin>讲回来就也没什么东西:jiang hui lai jiu ye mei she me dong xi</mandarin> lah !huh! to you


true true it seems more achievable and more realistic as a role model instead of something you can't achieve like the flash, ya, so is there anything you would like to


achieve, but you don't want to become batman ah


then <mandarin>你不要:ni bu yao</mandarin> IQ meh, then <mandarin>这样:zhe yang</mandarin> might as well just <mandarin>讲你是:jiang ni shi</mandarin> jeff bezos , jeff bezos eh jeff bezos <mandarin>是那个:shi na ge</mandarin> amazon CEO <mandarin>他:ta</mandarin> founder


ya, I I think just because of that, divorce right, then she managed to, become like the I think at least the top, hundredth richest people in the world and the something that's even more sick right !wah! cannot is


after splitting half with the wife right jeff is still the richest guy, in the world like, like what no lah but actually most of his net worth comes from his assets


the stock he has in amazon, so in terms of liquidity wise he doesn't actually have that much amount of cash lying around but it's just stocks lor but I mean he can choose to just


but then if he sell away the stock then after that, it will affect negatively the company ah in a way also if they sell too much


and recently apple, also got, !wah! recently not apple recently is tesla the stock rose by a lot also I think since, the month of july and it was like I think close to fifty percent if I'm not wrong


as we nowadays if you go to the bank, you want to, do some fixed deposit all you're getting is like one to two percent per annum is like so pathetic like


per annum eh so you need to wait for a whole year for your money to flip, one, too two percent, whereas let's say if you invested in tesla in the month of, july like let's say you


put in the money end of june then by end of july is like, fifty percent gain, which is amazing but then of course it comes together with, a risk as well


, but is at the same time I feel quite volatile ah because especially for a tesla I feel right, elon musk he, like <mandarin>他做一样东西:ta zuo yi yang dong xi</mandarin> ah !wah! then the shares will just up and down like nobody business eh and there was this time where he released the cyber truck


then after that it was marketed to be bulletproof, then after that he go throw the steel ball then after that the window crack mah, which was not supposed to be like that but then at last for some weird reason like, so many people go and pre-order the truck eh the cyber truck


it's like he is like free marketing in a sense but then I don't know why is that even good marketing cause it, this the window crack, which is not a positive thing, but then it did well


for the company so is a weird phenomena, then <mandarin>他有多一次:ta you duo yi ci</mandarin> is like elon was seen smoking uh, weed, on a podcast or something like that then after that the shares !wah!


ya, I think he one day he like, lost like billions of dollars just because of that one joint


like, but in all essence wise there are still entrepreneurs I mean, they are founders of their company so like jeff bezos


amazon started way way way, like so long ago but then it only popped up, these recent years only, so at heart, in everything that they do I feel like they're still entrepreneurs they still possess the qualities


of everything just that right now they are, the, company founder or CEO of, right now is mega companies now lor


oh there's a, new one, what what what is it is it thirteen or what I don't know


oh <mandarin>有:you</mandarin> SE


but don't you have like video camera for yourself already wouldn't it be better


oh it's just complain lah, as compared like, they say for the money you're paying respects they're getting


is, not worth, as compared to let's say you get a huawei or you get a samsung, it's like they all say iphone when you're paying for the phone is more like you are paying for the brand


what do you think


true true, so you but so huawei can make a product cheaper, for the same specs, then why you don't get just why don't want just get from your I hear <mandarin>听说:ting shuo</mandarin> like their


their phone like not bad leh the specs, but then


oh, got it


have you eaten your lunch, what about breakfast what did you have, [orh] just milk, !wah!


so what do you plan to have later


don't know whether you you will find that nice, and I think it's something that they made their own ah


ikea is ikea is ikea is a sweden company


!wah! <mandarin>那个是从:na ge shi cong</mandarin> sweden meh, okay okay, but <mandarin>听说:ting shuo</mandarin> like, it won't last for too long already like due to global warming


and everything, does it like appear for like a while only or what


do you know, cool cool


ya definitely , ya I think there will be many people like waiting as well, so you can just wait together


okay lah <mandarin>我从电脑那边看:wo cong dian nao na bian kan</mandarin> should be enough lah , I will at least at least get a fraction of what's worth


I think it's important to keep your skin moisturised, when you are in dry countries, and because like a lot of people face with this kind of issues also, me


I mean <mandarin>已经介绍我去韩国:yi jing jie shao wo qu han guo</mandarin> <mandarin>日本:ri ben</mandarin> actually I also never go before ah I never I never been to too many countries myself, like, been to malaysia taiwan


indonesia, err hong kong china, that's pretty much it did I say did I say malaysia ya never been to too many countries


but it's good, err ya actually it's taiwan because of the weather I feel like it's so comfortable like it's not too cold but it's


like <mandarin>刚刚好:gang gang hao</mandarin> for me [orh], but also another thing about taiwan is err the food I think uh <mandarin>很适合我口味:hen shi he wo kou wei</mandarin> lor


then uh got the the <mandarin>炸鸡:zha ji</mandarin> it's like but I've never been to the <mandarin>士林:shi lin</mandarin> ah went to the other <mandarin>夜市:ye shi</mandarin> but I forget the names already, ya, oh ya must try is the <mandarin>卤肉饭:lu rou fan</mandarin> and it's so cheap eh like !wah! you can get a bowl for yourself and just eat


it's pretty good


!wow!


is it those heated one, [orh]


!wah! <mandarin>有这样夸张:you zhe yang kua zhang</mandarin> mah , oh ya but I also been to uh the hot spring when I was in taiwan ya so especially in the cold weather right, can you imagine like the weather so cold then after that you dip yourself into the hot spring


!wah! like !wah! I think I think that was the first time for me my first experience with hot spring as well lah ya it's such a good experience, I mean like quite crowded lah then like, , then is like different levels of heat


so like the hottest one is from the top so there's like the source of the hot water then after that it'll flow down from the third level to the second level to the first level so the heat kind of dissipates around along the way, so like <mandarin>先:xian</mandarin> try <mandarin>那个:na ge</mandarin> level one then <mandarin>泡好了就去那个冷水在泡泡好了就出去:pao hao le jiu qu na ge leng shui zai pao pao hao le jiu chu qu</mandarin> level two then level two <mandarin>了就泡回去那个冷水:le jiu pao hui qu na ge leng shui</mandarin> then !wah! <mandarin>去那个:qu na ge</mandarin> level three level three <mandarin>是超级超级烧的:shi chao ji chao ji shao de</mandarin> ya but it was a good experience ah


ya but not many the level three one is like only quite a small area because I it doesn't really accommodates too many people ah not many people can actually take, that level of uh heat also because I went with some of my friends then after that, like they kind of got dizzy halfway


so like they just stop halfway lor, I mean that's that's the good thing about


holidays ah, like you just you don't have to worry about anything after that you just, do whatever you want if, you feel like sleeping, by all means like just go ahead man


I think it's just the, ability to have that choice, it's like, what do you feel like doing and then you just do ah (ppc) I feel like some people, when they go overseas right, they a bit, too


like they have the mindset like they must make their money's worth like that so like <mandarin>从早上:cong zao shang</mandarin> right <mandarin>早早起来:zao zao qi lai</mandarin> right then <mandarin>快点冲出去:kuai dian chong chu qu</mandarin> then after that pack themselves with activities back to back to back to back until like


so that they can kind of in a sense utilise the whole day and then it's not wasted but I feel like, that itself is kind of making you a bit more, uh shag also like more tired, then you will need to be because I feel after all for holiday if you


feel like doing whatever and then just do ah, that's the beauty of it, don't you think so


, but I mean everything has their limitations ah like when you extend to stay you need to pay more for the hotel, and not everybody have the luxury of getting two weeks of like I mean there's only amount of annual leave or


or like unpaid leave you want to take in a whole year lah so it's not really that, nice, if you like one shot you just use all your annual leave just for one holiday then after that the whole year you need to continue slugging slogging for your work


ya, I mean as students and everything it's much better lah because we have, like let's say if for university then like, there's uh summer holidays of three months three months right ya then after that can straight away just go overseas for even two months plus and like