
07:10
Good morning everyone

07:32
Good morning everyone.

07:34
Good morning everyone.

07:36
GOOD MORNING FROM THE PHILIPPINES

07:39
good morning from the Philippines

08:08
good morning from Yokohama Japan

08:22
good morning sir Andrew

08:27
nice to meet you again

08:30
hello.. from the Philippines..

08:31
Be sure to send your message to “Everyone” to ensure that the whole group can read your message.

08:41
Good morning! From the Philippines

08:48
good morning from the Philippines..😊😊🌼

08:50
Good morning from cloudy Bangkok, Chaowalit S. from Thailand!

08:50
Russell from Vietnam

09:10
It's raining

09:32
Good morning 😀

09:38
Good morning!!!

09:51
Always 🤣

10:04
Good morning :)

10:50
GOOD MORNING PROFESSOR. FROM SAIGON, VIETNAM

11:04
I've been waiting for this!

11:07
Morning

11:20
Yes, you always leave me thinking, how to apply all this new knowledge you share !

11:31
Good morning from Bangkok!

11:37
Banana

11:43
coffee + special kind of Philippian purple cheese bread + boiled egg

12:01
hah

12:20
Are you going to give me some money🤣 Yippee

12:32
Money, Money, Money

12:45
Good morning from BKK, Thailand

12:57
Good morning from Vietnam!

13:41
G'day again Andrew :) commiserations on NZ after losing T20 final to Australia

13:58
Australia too good

14:01
Greeting from HCMC, Vietnam

14:12
At least NZ have bragging rights over Australia in the rugby :)

14:17
Hi from Okinawa Japan

14:41
Hi from Tokyo.

14:42
Hi! It seems the volume of your voice is tad small.My side of volume is maximum so would it be possible for you to turn it up a bot please?

14:43
from Philippines here

14:47
How do you define money? 😆

14:50
Hi from Indonesia

15:21
Ok thanks!

16:06
Be sure to send your message to “Everyone” to ensure that the whole group can read your message.

16:13
hello from Viet Nam

16:30
good Morning from Thailand.

16:30
Good morning!

16:39
Hello from Indonesia 🙂

16:50
HELLO VITA FROM JAKARTA

17:14
Good morning! From Philippines. ☺️

21:26
in VN

21:29
Me here in Vietnam. :)

21:31
Yes, here in Vietnam

21:32
Me.

21:33
Vietnam

21:34
yes in Bangkok too

21:36
me, on birthday, at Tet holiday

21:41
Philippines ☺️

21:51
adults will give children red envelopes

21:57
Japan 😀

22:02
Does and donts

22:04
money

22:05
in Japan it's not red

22:42
Give it with two hands

23:02
not to open it immediately

23:03
in China, the amount of money should be even number not the odd number

23:10
new bills

23:11
you only give it to younger people?

23:19
Money,money!!

23:26
give it on special days such as new year

23:39
Given on New Year

24:01
Give a blessing

24:22
the amount varies according to the age of the recipient

24:26
CNY is an expensive time of the year!

24:55
given during Tet Holiday here in Vietnam

25:01
monetary gift given at special occasions

25:08
Not to spend it immediately to let the luck stay

25:37
symbol of good luck

25:50
Cool kids

25:53
two rich boys

26:00
two gtumpy boys

26:05
chains

26:10
Two rich fancy boys

26:11
dollar sign

26:19
grand staircase

26:19
Dressed in white

26:21
the carpet

26:23
gold accesaries

26:23
the house and the boy's shades give it away

26:27
Two rich and fancy boys

26:39
cool

26:43
carpet on the stairs

26:43
MAWARLIN,S.Pd....linmawarlin@gmail.com....wa.081349103109....is present from Indonesia

26:55
statues

26:57
Carpet on stairs

26:57
carpeted staircase

27:00
Necklace

27:01
marble stairs

27:01
I bet their parents are not teachers

27:01
marble stairs

27:09
marble staircase

27:13
gold chains

27:13
golden necklace

27:16
the way how they sit

27:18
white

27:20
How they pose

27:32
statues

27:35
style of interior decoration

27:47
their looks!

27:48
$. mark. rich family

27:51
dollar statue

28:01
Cars

28:05
car

28:10
the statues

28:11
mobile phones

28:15
From thailand

28:17
their social media

28:18
leopard as pets

28:22
house décor

28:24
house

28:37
jewellery

28:46
perfume collection

28:52
the way kids are raised..

28:53
Not always

28:54
not always

28:55
not always

29:00
depends on if they are low-key or not

30:07
afford

30:09
afford

30:09
afford

30:10
afford

30:10
afford

30:10
afford

30:20
stick to

30:22
cut back

30:22
stick'

30:23
stick to

30:24
stick to

30:25
stick

30:26
Stick to

30:32
owe

30:33
owe

30:33
borrow

30:34
owe

30:40
borrow

30:40
borrow

30:42
owe

30:49
lend

30:49
LEND

30:50
lend

30:50
lend

30:50
lend

30:50
lend

30:52
lend

30:54
lend

30:58
Pay back

31:01
pay back

31:02
pay back

31:03
pay badck

31:03
pay back

31:05
pay back

31:47
I can afford to buy a new book

31:51
If I can afford to buy food, I am not poor...

31:53
I can't afford to lose you!

32:00
I can't afford my school tuition fees

32:05
Rich people can afford to buy expensive things.

32:11
I can afford to buy a new jacket.

32:15
I can't afford to pay my debts

33:06
Padlet

33:13
group work

33:15
Speaking circle

33:30
Role play

33:38
To ask them to write a story with the new words in teams. Always a good idea to introduce vocabulary in chunks (lexical sets).

37:21
To be a teacher you learn to budget

37:36
for our future

37:37
Emergency needs

37:43
For the unexpected

37:44
In order to get what we need

37:44
There may be a rainy day ahead..

37:45
in case something urgent happens

38:04
I can solve problem by money

39:47
Credibility

39:50
To keep the friendship

39:50
trust

40:00
They also need it.

40:01
friend ship will be broken

40:14
others won't understand if you can't pay on time

40:18
yes!

40:19
yes

40:20
money is everything for the future

40:22
no

40:23
No

40:24
No

40:26
yes

40:30
no

40:30
yes

40:31
yes...

40:32
yes

40:47
Its my Scottish blood 🤣

42:16
no

42:17
no worries at all

42:21
no

42:25
no

42:26
no

42:29
No

42:29
no

42:29
looks like a smorgasboard of delicious food, surely not

42:30
no

42:34
No

42:39
no

42:42
smile

42:46
Food on the table

42:50
A lot of foods on the table

42:50
they look happy, smiling

42:55
there's a good variety of foods

42:57
They are together😂

42:58
close-knit

42:58
show happines

43:07
Knowing their location

43:07
they look happy

43:10
country

43:10
They seem to be very happy

43:12
hotpot is a nice way to get people together

43:13
may be they have what they need to live

43:15
share food

43:16
bonding

43:19
stay together

43:19
They love their family

43:23
family together

43:24
Luxurious life.

43:33
at home

43:36
it says: Singapore

43:36
Restaurant

43:38
restaurants

43:39
home

43:39
At the restaurant

43:40
at home

43:41
in a restaurant

43:43
Could be home or restaurant

43:44
Grand Parents house

43:47
At restaurant

43:49
In their apartment

43:49
At home

43:53
Dining table in there home

44:04
the shelves on the left of the boy

44:04
Informal clothes

44:10
extended family, a family get together

44:12
At a restaurant with a hotpot

44:12
table setting

44:19
Can of beers

44:24
Korean style

44:33
At home😂like Vietnamese style

44:48
We have those at home

45:13
celebration of togetherness

45:32
two

45:39
one

45:41
2

45:45
2

45:47
2

45:47
too many

45:48
2

46:27
Hide

46:33
hide

48:29
4

48:29
4

48:30
four

48:30
4

48:31
4

48:31
4

48:31
4 children getting money paying bills

48:32
4

48:32
4

48:32
4

48:32
4

48:33
4

48:35
getting,

48:37
4

48:38
getting

48:38
getting

48:38
getting by

48:40
by

48:40
getting

48:41
getting

48:44
debt

48:45
paying bills

48:45
paying bills

48:45
bills

48:46
food

48:52
bills

48:53
food

48:53
Good morning! from the Philippines

48:54
food

48:57
paying bills

49:06
safe

49:08
safe

49:08
house

49:09
safe

49:10
food

49:11
food

49:15
living

49:15
safe

49:15
money

49:16
money

49:17
money

49:20
food

49:23
money

49:27
less

49:28
less

49:29
less

49:29
less

49:33
bills

49:34
bills

49:34
bills

49:35
bills

49:35
bills

49:36
bills

49:36
bills

49:39
stress

49:40
stress

49:40
stress

49:40
stress

49:40
stress

49:41
stress

49:42
stress

49:43
stress

49:44
worry

49:45
stress

50:23
🙌🏻

50:34
stress

51:34
subjunctive?

51:35
Cause and effect situation

51:51
wish something unreal at present

52:03
thinking what next

52:05
Low chance of happening

52:07
dreams

52:09
wish+past tense, because it's not true now

52:15
hope

55:12
I don't have a car, I wish I had one

55:23
I'm stuck in Vietnam. I wish I could go home to the UK...

55:36
The Wallabies are bad at rugby. I wish they were better :)

55:37
I wish I had 100 billion dollars in my bank accout

55:49
I wish I could roll my R's like you

55:53
I don't have a cellphone.. I wish I can buy it.

55:54
we can't not travel freely, I wish we could do so soon.

56:12
Dunedin

56:14
There are so many people affected by the pandemic. I wish that it will end.

56:21
wishing happiness to all

56:21
could

56:23
I wish I could buy it..

56:25
link of feedback Sir

56:27
Could

56:27
could buy not can

56:31
I wish I could play guitar!

56:36
I'm poor. I wish I Were rich

56:37
I could not attend BTS concert, I wish I could.

56:37
I wish I could I get into the classroom to teach

56:45
I am in the Philippines. I wish I can go back to Kuala Lumpur.

56:55
I wish I had a lot of many so I can make other people happy

57:56
cash

58:03
Online

58:03
phione

58:04
Cash

58:06
phone

58:07
phone

58:08
cash card and online

58:09
credit card

58:09
Cash, Online, Phone, Credit Card

58:10
cash, debit card

58:11
phone

58:12
Credit card

58:12
online

58:14
cash

58:15
cash

58:20
yes right~

58:22
in person

58:22
all except check

58:27
Alipay, wechat QR code

58:30
in person

58:30
cash

01:00:43
Hope they provide a sick bag when using the lift

01:01:49
it doesn't take too long to get to the top, less than a minute, so no worries^_^

01:03:24
people also give red envelopes using WeChat pay

01:04:12
invisible

01:04:14
I feel it's just a series of number

01:04:17
convenient

01:04:21
Harder to keep track of it...

01:04:22
Lose of control

01:04:25
more hygenic

01:04:25
Harder

01:04:35
Harder

01:04:40
easier but sometimes worry about safety problem

01:04:50
clean

01:07:02
help child poverty

01:07:06
Help others go to school.

01:07:20
fund educational help

01:07:21
build schools

01:07:35
clean water, give pumps and supply lines

01:07:41
provide food and clothing

01:07:44
Provide scholarships

01:07:45
give a bit to other families in the neighborhood who have suffered from COVID-19

01:07:48
Donate to poor country

01:07:50
fund teaching to teach skills

01:08:24
provide the less fortunate with their Noche Buena this coming Christmas

01:08:47
These will show what values learners have.

01:08:53
sustainable clean energy program to help the air pollution

01:09:06
Nigeria

01:09:27
provide educational materials in public school

01:09:36
Find an NGO

01:10:00
due diligence

01:10:14
To united nations

01:10:21
research

01:10:45
teach skills to improve the area and create jobs, the money looked after by several people, local and international

01:11:15
Sorry I have to go now. Thank you for a great webiner!

01:12:29
Thank you so much sir..

01:12:37
thank you so much :)

01:12:40
thanks

01:12:42
thanks a lot for a wonderful class, I wish we could have more lessons like this

01:12:43
thanks a lot NGL Team and Sir Andrew!!! :))

01:12:43
Thank you so much

01:12:44
Thank you so uch, Andrew.

01:12:46
thank you!

01:12:47
Thank you so much

01:12:48
https://www.ngl-asia.com/webinars

01:12:56
thank you so much Sir. Andrew🤗

01:12:57
Thank you so much, Andrew

01:12:57
Thank you Mr Andrew for another engaging and informative presentation. ☺️👏👏👏👏👏👏👏👏👏👏

01:12:58
Thank you very much.

01:12:58
Thank you so much

01:12:59
https://www.ngl-asia.com/webinars

01:13:00
Thank you!

01:13:03
thank you very much

01:13:06
thank you

01:13:07
thank you

01:13:13
Thank you

01:13:16
Thank you

01:13:23
Thank you for other interested webinar

01:13:26
Thanks for your sharing!

01:13:28
https://www.ngl-asia.com/webinars

01:13:28
Thank you very much!

01:13:33
Thanks a lot Andrew

01:13:37
thank you so much NGL

01:13:40
Thank you so much.

01:13:42
https://info.cengage.com/contact-request-form

01:13:46
https://info.cengage.com/contact-request-form

01:13:56
Thank you Andrew

01:14:01
https://eltngl.com/search/productOverview.do?N=200+4294918495&Ntk=NGL%7CP_EPI&Ntt=world+link%7C12122399327850060420200904013701045&Ntx=mode%2Bmatchallpartial&homePage=false

01:14:12
https://images.learn.cengage.com/Web/CengageLearningInc/%7B43eb2002-eabd-48d6-a9a0-0f5109ff578f%7D_Certificate_(18_Nov).pdf

01:14:12
https://images.learn.cengage.com/Web/CengageLearningInc/%7B43eb2002-eabd-48d6-a9a0-0f5109ff578f%7D_Certificate_(18_Nov).pdf

01:14:45
Thank you Ms. Kitty for the links.☺️💐💐💐💐💐💐💐💐💐💐

01:15:11
Thank you

01:15:14
When will your next Webinar be Andrew? :)

01:15:25
Thank you very interesting!!

01:15:28
yes!

01:15:28
😍🤗thank you so much Sir. Andrew for nice discussion

01:15:50
sounds cool

01:16:16
thank you Sir

01:16:17
bank

01:16:20
bank

01:16:22
bank

01:16:23
bank

01:16:24
alipay

01:16:25
Bank

01:16:27
gank

01:16:30
Bank

01:16:32
investments

01:16:33
How much do students relate to money

01:16:36
safety box at home

01:16:48
students may have a piggy bank

01:16:57
yes

01:17:05
interest

01:17:07
Interest

01:17:08
interest rates

01:17:08
interest

01:17:11
bank acount

01:17:12
interest

01:17:14
they keep it safe

01:17:16
Assurance

01:17:18
interest

01:17:27
atm card

01:17:42
1% p.a

01:17:44
$5

01:17:45
credit card

01:17:45
lots of nterest

01:17:46
not too much, I guess

01:17:47
1

01:17:49
.5

01:17:51
5%

01:17:55
4.5

01:18:03
yes

01:18:04
Yes

01:18:05
3%

01:18:06
yes

01:18:07
ýe

01:18:09
yes

01:18:09
yes

01:18:10
yes

01:18:12
yes

01:18:12
No

01:18:13
yes a lot

01:18:14
Yes

01:18:15
yes lots of it

01:18:16
not on this transaction

01:18:17
no

01:18:18
no

01:18:19
no losing

01:18:29
they invest using our money :)

01:18:29
they are making money through loans

01:18:35
if they use the money to invest, they will make money

01:18:35
loan

01:18:36
they are using my money to generate money from lending my money

01:18:37
from loans

01:18:38
investment

01:18:40
loans and late fees

01:18:43
They use your money through loans

01:18:58
investment

01:19:03
to make investment to make more money

01:19:25
It depends on your salary

01:19:28
$30-33 each

01:19:29
99 dollar

01:19:30
it depends on your incomes

01:19:35
100 dollars total

01:19:47
$20 each

01:19:51
bank can give less than $100 because they have overheads

01:20:30
thank you I have to go now

01:20:35
They use the total from all customers

01:20:37
nope, because ABC can make more money with 300, and pay the bank back

01:20:38
because they pay this back ver time

01:20:39
🤔🙄😌

01:20:41
I don't

01:20:50
They can use credit

01:20:52
debt

01:20:53
Right?

01:21:03
They take out a loan

01:21:03
From other banks ?

01:21:04
the bank can borrow from other banks

01:21:05
loan from other sources

01:21:06
Want to know about it

01:21:08
virtue money

01:21:08
credit from federal reserve

01:22:07
wow

01:22:08
numbers are enough for now

01:22:19
wowww

01:22:30
wooww

01:22:34
I wish I could do that!!!!

01:22:49
good gain

01:23:02
yep, pay interests back, so that the bank will lend more money to make more

01:23:11
That's a great way of making money...

01:23:25
Why are we teaching???

01:23:31
You have been short changed 🤣

01:23:33
but only the bank can do this ,if the individual does they, they may end up in prison

01:23:35
so complex but lots of ways for increasing money

01:24:03
in Australia, bank customers are assured up to $1,000,000 regardless of banks fortunes, same as in NZ Andrew?So if the bank goes bust, the customer's savings are still assured

01:24:33
Do you have any suggestion to make money like this? 😁

01:25:23
knowledge is power, haha

01:26:30
really interesting

01:26:34
thanks a lot

01:26:45
New knowledge for me...thanks ☺️

01:26:56
Thanks. Very enlightening...

01:27:01
thanks Andrew, always love your Webinars (and your dulcetones :)

01:27:05
Always a teacher, thank you Andrew

01:27:06
Thank you very much for your interesting talk!

01:27:07
totally, thanks!

01:27:10
yessssss…. thanks again

01:27:12
So many new knowledge. Thanks so much Andrew

01:27:15
thank you

01:27:15
thank you