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Michael Ha on HK's insurance and pension future

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http://www.scmp.com/video/ In today's White Collar I speak with Aviva Life Insurance's head of marketing and business development, Michael Ha. Michael has ...

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scmp hong kong white collar michael ha aviva life insurance pension MPF market Michael michael funny sweet smart brave caring perfect love boyfriend smile eyes blue incredible amazing cute popular loyal helpful wonderful kind loving allowance coverage guarantee assurance backing cover indemnification indemnity provision safeguard support warrant warranty breach break opposition affirmation assertion declaration insurance lock lock on oath pledge profession promise rain or shine security shoo-in sure thing vow word word of honor analysis broadcasting description report scope bond deed amount assessment bite bottom line budget charge consumption debit debt decrement deprivation disbursement duty expenditure forfeit forfeiture investment liability loan loss mortgage obligation out of pocket outdo outlay output overhead payroll price price tag rate responsibility risk sacrifice spending sum surcharge tariff toll upkeep use value worth agreement attestation bail bargain certainty certificate certification charter collateral contract covenant deposit earnest gage guaranty pawn pipe recognizance surety testament token undertaking hesitancy confusion uncertainty shyness misgiving fear doubt distrust denial escrow expense irresponsibility asset disagreement guarantees Insurance scams ponzi business model claims adjusters cars students money auto scam fraud racket extortion gambling accident company reaper outsourse coin generationx prisoner's dilemma cheating infidelity whoring unfaithful side-bitch back-up insurence insurince inshurance along with also as a consequence as well as furthermore including moreover together with and plus additionally again along as well besides conjointly further in conjunction with in like manner likewise more more than that on top of over and above still to boot too withal added amassed another augmented bounteous deeper else enhanced exceeding expanded extended extra farther fresh heavier higher in addition increased innumerable larger major massed new numerous other spare supplementary too many wider fewer less And? AND so what and one and what what fuck the world as long as i get mine suck it fuck the children dick loser punk he-bitch jerk nand nor xor not xnor allowance annuity grant payment premium retirement account reward social security subsidy IRA gift subvention superannuation support aid alimony allocation allotment apportionment bequest bite bounty commission contribution cut endowment fee fellowship honorarium inheritance interest legacy lot measure part pay pension piece portion prize quantity quota ration recompense remittance salary scholarship share slice stint stipend taste wage boot boot out bounce bump can cashier defrock depone depose deselect discharge disemploy disfrock displace disqualify drop fire furlough give notice to give the ax give the gate give the heave-ho give walking papers give warning impeach kick out lay off let go let out oust pink-slip put away recall retire sack send packing shelve shut out suspend terminate turn away unfrock unseat wash out award benefaction benefit bestowal boon dispensation donation fund funding gifting gratuity income largess nest egg presentation property provision revenue stake trust whole loss forfeit allowances dismiss secure engage appoint maintain accept employ begin keep hold welcome preserve hire dismisses dismissing weakness inability drawback disadvantage debt Pension example oranges sex science money eventual forthcoming imminent impending planned prospective subsequent ultimate approaching coming final inevitable unfolding booked close at hand coming up destined down the line down the pike down the road fated from here in from here on from here to eternity from now on in in the cards in the course of time in the offing just around the corner later likely looked toward near next scheduled to be ulterior unborn distant past accident advantage adventure bad luck break cast casualty coincidence contingency destination destiny doom even chance fluke fortuity fortune future gamble good luck hap haphazard happening hazard heads or tails hit kismet lot lottery luck out lucky break misfortune occurrence odds outcome peradventure peril providence risk stroke of luck throw of the dice toss-up turn of the cards way the cookie crumbles wheel of fortune about to happen advancing almost on one anticipated aspiring at hand certain close converging deserving docking drawing near due en route expected foreseen gaining upon getting near immediate in prospect in store in the wind in view instant marked nearing nigh oncoming ordained predestined preparing progressing pursuing running after up-and-coming Moirai afterlife breaks certainty circumstance conclusion condition constellation course of events cup design divine decree expectation finality foreordination happenstance hereafter horoscope inevitability intent intention karma luck objective ordinance portion predestination predetermination prospect serendipity the stars way the ball bounces what is written world to come affianced asked for betrothed bound committed contracted going steady hooked intended matched pinned pledged plighted ringed spoken for steady aeon age ages blue moon endless time endlessness everlastingness forever and a day immortality imperishability infiniteness infinitude infinity kingdom come other world perpetuity time without end timelessness wild blue yonder world without end outlook millennium fate eternity posterity afterward futurity offing morrow tomorrow aftertime by and by life to come subsequent time chance scheme law assurance surety plan aim reality safety safeguard protection disadvantage loss chances away far gone volition free will choice continuity theory concept whole engaged not working inoperable disengaged uninvolved available eternities Future future christ [future vandross future hendrix hip hop present movie time travel marty mcfly footure happy now care relationship girlfriend boyfriend feelings special futures future contract forward market forex commodities market hong Hong beautiful smart honest cute food own owned ownage poned pone pals friends buds buddies buddy wingman gaywad funny memes fortnite to hong honged honging honger Kong kong Kongs parkour le parkour knog speed vault steroids fruit rare dick penis dong shlong harry bucatcat yukfa large konged konging one night stand ape king kong black asian fat noob beast awesome person cool brave new slang bad area awful silver silvery alabaster blanched clear fair frosted ivory light neutral pasty pearly wan achromatic achromic ashen bloodless chalky ghastly hoary immaculate milky pallid snowy transparent waxen biased cloudy dark darkened dim flushed gloomy obscure partial prejudiced strong black dirty alabastrine pale translucent white anemic cadaverous colorless gray leaden sallow ash-colored livid lurid bare barren clean empty fresh new plain spotless uncompleted unfilled unmarked untouched unused vacant vacuous virgin virginal void dazzling glowing hot lit luminescent argent ashy blank occupied habited full understanding excited aware animated filled candescent White whites racist double standard stupid speed uppers pep pill amphetamine stimulant bennies wake-ups eye-openers colors white snow black day nerdy bad dancing techno metal choker Vandyke dicky fichu fraise frill jabot neckband ruff torque Eton bertha bag bust capture collar cop grab nab nail place under arrest run in seize take in take into custody take prisoner accommodation apprehension appropriation booby trap captivity commitment confinement constraint crimp detention drop fall gaff glom heat hook imprisonment incarceration mitt nick nip pick up pickle pinch preventive custody protective custody pull pull in restraining snare sweep apprehend book brace catch detain get imprison incarcerate jail kick net put the arm on put the cuffs on round up roust secure sidetrack snag tab tag toss in jail acquire gain kill land shoot take trap tree arrest appropriate corner abduct prehend lay hands on miss fail keep offer give free unfasten lose give up let go misunderstand reject refuse liberate release letting go activation rise freedom encouragement liberation refusal encourage activate take up exonerate loosen pass yield surrender forfeit bagged bags Collar collars Collars poet musician hotshit lover matt sex shirt clothing t-shirt collared dress hickey to collar him suck neck only guys Michael michael funny sweet smart brave caring perfect love boyfriend smile eyes blue incredible amazing cute popular loyal helpful wonderful kind loving Aviva aviva viva adventurous intelligent dreads gorgeous beauty intellegence dance smart cute stadium lansdowne road irish activity growth heart soul being breath brio dash energy enthusiasm entity esprit essence excitement get-up-and-go impulse lifeblood liveliness oomph sentience sparkle verve viability vigor vitality vivacity zest zing high spirits élan élan vital abstract apathy dullness idleness inactivity indifference laziness lethargy death agility alacrity alertness animation bag ballgame big idea bit business bustle commotion deal enterprise flurry force functioning game going happening haste hoopla hopper in the works industry life motion movement occupation operation plan power process proposition racket reaction response rush scene spirit stir stunt trip turmoil vim action activeness exercise exertion hustle labor aeon blue moon century date day duration epoch era generation interim interval lifetime millennium span bounce exuberance frolicsomeness nervous spirits sportiveness spriteliness course career season survival time history continuance expectancy length endurance orbit period longevity record extent pilgrimage cycle life span end body living woman person existence man consciousness presence individual human flesh personage animal creature subsistence mortal organism flesh and blood human being substantiality symbiosis metabolism wildlife animateness living being living thing mortal being vital spark plant inanimate concept story autobiography journal confession memoir memorial life story bio curriculum vitae development lifestyle behavior world personality knowledge enjoyment conduct attainment suffering journey participation realization enlightenment happiness circumstances way of life vicissitudes hand one is dealt human condition trials and tribulations unhappiness misery woe sorrow ignorance decrease rest unemployment yielding peace harmony slowness question stoppage inertia cessation indolence stiffness weakness stillness repose quiet calmness calm surrender inaction activities sluggishness immobility hate age continuation ages animal spirits Life life cycle internet noob basement dwellers wtf mudkips lulz drunk wasted don't care bye MPF mpf connie sex sexual moan sign blade runner film noir mont blonc money power fame tinychat entertainment music producer model talented wall whore wall off wall gremlin drunk-dial facebook binge retro-cringe vomit fart hey guys failure flame-out misfire bust flop alyssa fat ugly hideous mongoose advertise display retail barter exchange merchandise vend wholesale offer for sale hide buy admirers assemblage assembly congregation crowd devotees fans following gallery gathering hearers house listeners market moviegoers onlookers patrons playgoers public showgoers spectators theatergoers turnout viewers witnesses exposition fete marketplace mart affairs bargaining buying and selling capital and labor commercialism contracts deal dealings free enterprise game industrialism industry manufacturing merchandising racket sales selling trading traffic transaction undertaking acquire bargain for barter for contract for get get in exchange go shopping invest in obtain pay for procure purchase redeem score secure shop for sign for take audience audiences bazaar business unemployment recreation avocation businesses yield lose fail sell forfeit misunderstand surrender Market black bush minge raven fanny
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