Why This Successful Banker Chose the Philippines. Every Man Has a Story

[@EdwinCV-dh8qc]

Mark,great interview with Jeff ,one of you best ever and yes have him back on maybe on a regular basis thanks.

[@everymanhasastory]

Thank you 😊 I'm so glad you liked it

[@pietro13]

Mark is in my view helping the conversation on course, and not exactly interrupting. But I understand one mis-cued chipping in from the host and the listener might get focussed on if such interruptions would happen every time onwards. Mark is pretty measured and sensitive as a host. It is a joy to listen to his intelligent comments along the way.

[@totiriel6079]

Im a Filipino grew up in the Philippines and went to the US in my late 20s. Now retiring in the US military. I can say that i enjoyed my life more when i was in the Philippines. I just realize that those were the best time of my life during my time in the Philippines. I have been around the world but there are no human being that are very caring and genuine people like Filipinos.

[@denniszenanywhere]

If I am only thinking for myself, I’d say it’s nice to live in the Philippines but if I am thinking about the problems of the country being a road for more than 20 years, I’d say it has many and is probably behind a 100 years to the rest of the developed world.

[@jmm3688]

@@denniszenanywhere if your in the provinces, I might agree with you. But places like the BGC, in my opinion is 20 years ahead of in city in the USA. But for the Philippines it’s expensive, for the Philippines. From what I understand Clark city is going to compete for the most modern city in the world.

[@lourdes86179]

@@denniszenanywhere it is started to be good now. Like my city , the road going to the remote area has a bew road now.

[@ramonlacausa]

I agree to you Toti Riel! 👍🇵🇭

[@iang3728]

I think most people enjoyed their life as a kid more than as an adult. Regardless of location.

[@jackyshultz995]

Filipinos in general are profound people. They are blessed with human qualities that would make you feel important and treasured. These human qualities made the Philippines the heart beat of the world. People flocked to this country despite of its shortcomings. I am not in the position being physically present in this beautiful country to enjoy the real meaning of full. Live a full and happy life....

[@geraldineheimy7748]

Thanks.

[@zzzzzsleeping]

Philippines deserves your special message. Filipinos don't have much but they are kind, generous and happy people.

[@margaritalagumbay8310]

Thanks😊❤️

[@theoneandonly2856]

True to the core!

[@pearloftheorient8336]

Bless you sir for your kind words towards Our beloved country Philippines and it's people

[@dr.detroit2877]

I think after being isolated in Taiwan for so many years, Jeff needed to be more involved in where he lived. His life was stifled and he needed to be included in the culture. The Philippines is exactly what Jeff needed to feel alive again. America is full of hate and frustration, too many people raging over things that don't matter. Good interview of a very intelligent guest. 👍

[@erlindakahn2831]

Mark, Let your guest /Jeff contact Alex Kosh among others. He is also single. Thanks.

[@samohtsolacad229]

Yes, very sadly, America is being overrun by Satanism, from Govt supported craziness (wokeness, gay agenda, disregarding the rule of law, etc) down to the teachers cowardly playing blind through their teaching of "it's ok to swap the sexes" to the really too you to even understand themselves.

[@keithclunk3125]

Excellent guest. Intelligent and likeable with an extremely clear and easy-on-the-ear delivery. I could happily listen to this guy talk for hours as he's very knowledgeable of SE and NE Asian countries. He instantly joins the top 1% of Dumaguete expats worth getting to know if you enjoy intelligent conversation. Notice how he never once interrupted the interviewer. Not only good manners but it it's 'Interviewing 101'. Perhaps a lesson to be learned there.

[@erlindakahn2831]

Yes indeed! Jeff is an eloquent speaker.

[@graciosajordan1465]

I agree with you..

[@ramonlacausa]

Agree to you Keit. 👍

[@isabelitaayala5810]

We still want to be HOW we are, loving, happy and very hospitable. Contented with little things that we have and very resilient with mother nature!!! That's why I'm proud to be FILIPINO, more authentic and more HUMAN!!!

[@voxangeli9205]

Isabelita Ayala, i absolutely agree!🤟

[@88Goldilucks88]

Even i, i still choose Philippines, why? Because very resilient. No amount of typhoon, earthquake, tsunami can take away their smiles and positive thinking that is why it's easy to recover from crisis.

[@gregdixon5848]

That interview goes to the top of the list. Jeff is an introvert like many of us and shares the same trepidation of encountering new places and new people. He is well spoken and can vocalize how many people feel about Asia and Phil in particular. Honest opinions which confirm our own. Great interview from both sides of the table.

[@iwantthatcom]

This guy is probably the most intelligent person you ever interviewed and it clearly shows in this video.

[@everymanhasastory]

I'm glad you liked it 😊

[@pubkentos4501]

Agreed… 😊

[@chiachinchang3841]

I am local Taiwanese, live in Kaohsiung . Taiwan and Philippines has a lot of business opportunities to be done.

[@lindamando1794]

Pilipino family oriented and have family values, even though have a problem still happy and smiling face ❤😂

[@zzzzzsleeping]

As I said over and over that a successful living in the Philippines or any of your host countries is by not comparing your life where you came from. Filipinos don't have much but they are kind and happy people.

[@theclimbto1]

I feel where you are coming from. But I think a positive way to look at it is this. Because there CAN be a toxic and negative way of holding where you came from as the 'standard' and using that to downplay where you are. So I understand your view. However, that's idiotic. If you liked it there so much, why are you here? Go back, and stop bashing where you are. You left for a REASON. Something there you didn't like, something here you looked forward to. It's the differences between the host country and where you are from that brought you here in the first place, and THOSE differences should be acknowledged, celebrated, praised and enjoyed. You should lift up where you are for the differences that brought you there. I think some people get an idea of what it will or should be like, and the reality doesn't meet the expectations... and they take that frustration out on the Host Country. But that's on them for not doing enough research, for properly understanding where they were going. Like most things in life, nothing is perfect and we should temper our expectations so as to not be disappointed when reality doesn't match.

[@pubbets7290]

Great interview! I lived and worked in Taiwan for almost 4 years. Some of my best memories so far. I don't think you'll find friendlier people in the world, and that's where I discovered the Philippines thanks to dating one of the many OFW there. She took me to Manilla to meet her family back in 2008 and I've been wanting to go back ever since!

[@jasondehn2024]

When I was a kid my family went to the USA, back in the early eighties, we drove across the country. If you broke down,the people would help you out, people back then would help you out, never in my life in New Zealand did I see people so nice. American people are the best.

[@Em-qe4tj]

Your best guest ever. He has Balanced views and tempered opinion. Has excellent perspective of the Philippines. We welcome foreigners like him.

[@everymanhasastory]

Thank you 😊

[@joelmoss2401]

This guy is one of the smartest people you’ve ever interviewed. Thank you for allowing him to present his perspective on you channel. Very good interview.

[@everymanhasastory]

Thank you for watching Joel and for taking the time to comment 😀

[@leetirona7769]

I came to the US over 40 years ago and also retired from the military. It’s truly had changed so much. I thought that living in a gated community would at least be safer but a week ago I just experienced something I thought I would only see in movies. A neighbor was shot in broad daylight and it had truly traumatized and shaken me to the core. It’s making me think really hard if I should move out of the US.

[@friendsaroundtheworld7184]

I agree with your perspective Jeff 101% about my country Philippines, that a developed country can change their people. I feel that too, because I'm living abroad. Japan is a good, beautiful country but I feel people are busy and cold for me. Living for many years here I can say that my personality has been changed like a robot who has no feelings at all, I mean just talking without expression on your face.. Sometimes I think I still like simple life but warm people with emphathy, respect with elders.

[@nestortumaquip3769]

Thank you to both of you for more information about our beloved country Philippine. What a wonderful interview.❤❤❤❤. I am a Filipino since birth but I worked in the U.S soil for more than 34 years and planning to retire in the Philippines hopefully 2024 or 2025. Once again, thank you very much a very positive messages.

[@dwaynekeith156]

Great Great interview . Another interview with this nice man would be good.

[@paulz6491]

“ I like to compare countries to neighbours more than the US because the US is not the end all and be all” Terrific comment by your guest, always best to compare countries to their neighbours to get a better idea of how they are developing. Thank you for the interview.

[@georgeacenas2349]

Totally valid. I'm a FilAm w/ an interest in Malay culture in history.

[@huckactivate2658]

WOW this man has a lot of knowledge about Manila and Duterte. lm amazed I'm from Makati Manila

[@gemmalee3032]

He knows that USA is not sure if Philippines an American ally; and he could sense that mainland China is occupying stealthily Philippines, creepy.....

[@maryellen5616]

Interesting interviewee! Very insightful and has mastery of what he talks about. Non-judgmental, very level headed. I find him a very intelligent subject. Good job, Mr Mark!

[@globetrotting2628]

He's very intelligent which makes for an amazing interview.

[@violetaduro1599]

Thank you Mark for inviting Jeff to share his thoughts not only about Philippines but also about other countries. Very interesting and very fascinating person. I’m from the Philippines and currently working here in Toronto, I’m so glad there are other nationalities who appreciate the goodness of our country. More power to you both.

[@wayne6969able]

This was one if not the best sit-down interviews I have ever seen. I never winked my eyes at all those 40 minutes. Kudos to you!

[@everymanhasastory]

Thank you 😊 Your comment made my day ❤️

[@thekormans3582]

Great interview.. This guy is so smart.

[@zethcao11]

Thank you for staying in the Philippines. Your Life becomes meaningful when you share your life to others, by helping those who are in need, accepting who they are and not being antagonist, love them without condition. 🙏🙏🙏

[@gregorypeter9719]

Big thumbs up on this one Mark. Real interesting guy.

[@edwardsamuel9460]

This man has common sense. Few people like him. He is good at assessing the situation in the world. He knew that the USA is not a safe country to be in but the Phillipines is.

[@garyt7232]

Enjoyed your interview with Jeff. All the best to you and Jen.

[@tinanugget5419]

Great Observation about the Philippines.. Thank you for loving my country 🇵🇭🇵🇭🇵🇭❤️❤️❤️

[@TimBailey-io7tl]

Hi Mark, super interesting interview guest. The best of all your interviews to-date in my opinion. Hope there will be a part 2? Best wishes

[@momoydacuycoy]

I agree please have a 2nd interview with him. He have a lot interesting life experience to share to all of us.

[@JeffMathias]

Yep, get his views an dating,

[@johns7002]

Yes, he was very interesting and I'll be watching if I see he is on again.

[@dongshengdi773]

@@momoydacuycoy the Philippines will forever be lagged behind because of institutionalized corruption. That's why the Philippines will always be poor

[@ramonlacausa]

Agree to you Tim! 👍 Salute to you Mark and Jeff! 👍🇵🇭

[@Thrivinglife3835]

Great interview. He is a smart guy and well rounded person. I hope he can meet a beautiful, kind, educated and smart Filipina. 😊

[@vanhalen45]

By listening to the thoughtful and reasoned questions of the interviewer, I realize that he is a very decent and compassionate man. Bravo on an exceptional interview with an extremely intelligent and worldly person. Excellent.

[@everymanhasastory]

Daniel your comment made my day ❤️ Thank you for watching ☺️

[@nemiaepal7305]

# Duterte forever more 🇵🇭💪❤️ Thank you sir for your observations. I salute you. Now you know that FPRRD is tough leader. Filipino loves FPRRD. Go to Davao. I am from Davao and it's a nice city to live too.

[@cesarbarbas1158]

We are happy knowing they like our country Philippines.welcome

[@garylow5491]

Interview people like this banker who is intelligent and who has travelled widely and not always looking for the cheapest place to stay.

[@Thrivinglife3835]

😊 This comment made me smile

[@gingertea5637]

Filipinos are happy and friendly by nature. I agree it's nice to be friendly wherever you go and whatever country you are in and be a good person. ✌ 🙂

[@oscieestanislao5840]

We're lucky to have you Jeff here in the Philippines, you seems to be a good man with tons of mullah that will be a great addition to our population. I hope you stay here for good.

[@danielwells774]

”Tons of mullah” 😂😂💀💀

[@tedrobertson1344]

Tons of knowledge, share some tips for investment moves

[@lailaatallah1857]

Very thoughtful interview. Thanks to you both!

[@jenhernandez5450]

He is very smart, i learned a lot listening to him. I was just curious so I clicked him a say to myself that i will only listen for a minute and oh boy i was hooked. He talked sense. 😊

[@JRINASIA]

Mark, very smart guy. Great interview. In & out for past 45 years in the Philippines is still same. Nothing changed.

[@TheSunflower777]

Great interview - learned a lot from both speakers. I pray you all have great long lives wherever you decide to settle down. Prayers from Scotland soon retiring in Philippines.🎉

[@iamwesterncanadian570]

Great interview Mark.

[@nikkibelmont9199]

watching from San Diego, CA. this is the most enlightening conversation. but Mark let him talk....

[@francisclemente3855]

Filipinos generally learned how to speak English since the early 1900s when the Americans first came to the Philippines. I myself graduated from an American Baptist missionary school in the Philippines where English is the medium of teaching. The Siliman University in Dumaguete is actually the sister school of my alma mater the Central Philippine University in Iloilo City.

[@annavirnadaiz6502]

Thank you Mr Banker, for your perspecrive of Philippines is very positive . You really embrace the culture and differences of this country willingly. As a Filipino I'm so glad to hear your story. Wish you all the best of your stay here .

[@supermelville7838]

The Filipinos are very grateful to the Americans for liberating them from the Spanish and Japanese occupation.

[@retiredinbali9565]

Great interview. A smart and insightful man.

[@bernadetteoneill7014]

Very informative, interesting & detailed interview! Thank you Mr Banker for sharing positive insights on the Phils. You've done well owning investments in the country. God bless on your future endeavours. 👍👏

[@midlifewanderings]

We might not be as progressive as the other SE Asian countries but it's perfectly okay. My husband and I lived here for three years and from that experience he has learned so much about our lifestyle and since coming back to the States all he does is long for the day when we can retire in the Philippines. There's so many factors that contribute to our decision: one of which is the political climate that we are in right now and also the unbelievable hatred and anger that the people here exhibits on a daily basis. It seems that people here are on the edge constantly I'm actually scared to visit bigger cities nowadays. Thanks for a great perspective. Best of luck to you!!

[@samsungdelila5960]

Dumali n nmn ulol dinown n nmn pilipinas we are third largest economy in ASEAN countries..our GDP is bigger than other eastern European countries and some others parts of the world.. Philippines is emerging industrialized country in the world also

[@midlifewanderings]

@@samsungdelila5960 good heavens. The guy is expressing his opinion based on his travel experiences to other SE Asian countries and he has the right to his opinion. Relax ka lang dyan, besides you said it yourself - the Philippines is an "emerging" country and you're right dyan. That's where we are right now emerging pa lang tayo and hopefully we will be at par with our more progressive neighbors. Peace.

[@georgeacenas2349]

Sometimes, tradition trumps modernism. As a Fil Am w/ roots in Mindanao I'm confident my cousins would calmly defend their land to any invader. This would include a recently modernized country that's behaving like a bully.

[@jinsaturn6451]

I'm from province of Cebu and now leaving in NJ, USA just come across your vlog.

[@1rjona]

I’m somewhat similar to this guy. I worked in banks for decades. By now most of it in different countries. The difference is I’m filipino. Living in developed countries means working most of the time. Thats why you are there. It does feel lonely especially when you get transferred every few years. Philippines maybe hot , overcrowded and chaotic but it does welcome you

[@xuxaale3469]

Everyone is welcome here in the Philippines

[@Zee_1003]

He can totally create his own channel because I think he xan do so much more and people can learn a lot from him since he said he feels his purpose here more.

[@teresitavillavert6835]

Fully agree, that Duterte administration changed the crime rate way down. IM Not afraid travelling anymore.

[@stevencoughran6115]

Mark good interview this Guy reminds me of Elon Musk ,nice guy keep up the Good work we love you

[@brianjohnson7941]

I usually don't comment on videos, but wanted to say that this video was super interesting. It's one of my favorites of your interviews. I liked hearing about his views of the world and cultures. I hope he decides to spend some more time in Dumaguete - it sounds like he may enjoy it over Manila. Another interview with him in the future would be great.

[@everymanhasastory]

Thank you Brian your opinion means a lot to me

[@ramonlacausa]

I Agree.

[@jimbo3609]

If you have the fund. The Philippines will be a good fit and you will have a good life there.

[@gprufino]

Absolutely fascinating interview Mark. He is so far your best guest in my opinion.

[@everymanhasastory]

Glad you enjoyed it 😊

[@rickmir4100]

wow Mark very interesting interview with your guest, amazing perspective about the Philippines

[@jenniefalqueza1792]

The best description of us Filipinos. Thank you for the nice words, Sir! I appreciate the observation you have stated. Filipinos are indeed a special race! ❤️

[@leticiachiok8057]

Thanks for another interesting interview, Mike. Nice to hear honest political views about China and Taiwan. Knowing some of your interviewee's perspectives on the Philippines and the Filipino people. I wish that more Filipinos subscribe to your channel and learn something.🤗

[@pakkslac133]

Smart guy and great perspective about Asia 🌏👍

[@gerardoguzman5083]

This is a very enlightening interview with a professional that has a different view. I only hope that your interviewee can help make a difference in the community

[@ivyriegodedios5456]

Thank you for all the nice things you’re saying and seeing to us Filipinos. 😊

[@ednaloy3548]

"The first will be the last and the last will be the first" the Philippines is a sheep nation, preserved for God's purpose.

[@ednaloy3548]

Visit northern Philippines also😊

[@cube21k]

I don't think the Philippines is left behind in terms of economic development. The way the Philippines is doing is different from others.

[@gemmalee3032]

Philippines IS way, way behind its Asian contemporaries in all respects.

[@zethcao11]

@@gemmalee3032 ouch!

[@quesee08]

we are behind but partly because we are over-populated. Thats the part I disagree with Jeff. Philippines have no big land space nor big economic growth(nor we want to) to handle all its population.

[@justingriffin2546]

MY NEIGHBOURS ARE COOKING WITH STICKS MAN...

[@kaf2997]

PH will fully develop slowly but surely.

[@BULLARDtheOKIE]

Great interview!!! Well done Mark

[@florentinoacosta6002]

I've been retired since 2014 and I have not been back in the US since. I live up here in the north come see us sometime.

[@George-hd7tl]

Are you in Luzon,if so how do u like it up there.

[@florentinoacosta6002]

@@George-hd7tl yes I live here in Pangasinan and this is my home province. It's okay.

[@zehappyvibes3962]

The Filipino people appreciates the situation they have in life, they learned to live a happy life than to complain of not having things they cannot do or have, which made them more easy to live with. They accept other people in their lives which make them appreciate other peoples from other countries. They tolerate and accept differences and peculiarities of individuals. The interview with Jeff is one informative and intelligent interviews ever. made.

[@diegolima5805]

I must say that your interview was very interesting ,he is a very interesting guess and I could see that he is very versatile and intelligent individual. Looking forward for part 2 .

[@tjummelum]

Very good and informative interview..Im an early Expat..Thinking very muts abouth moving from Denmark to the Philipphines.....

[@mylenebuck5131]

LIVE AND LET LIVE in the PHILIPPINES

[@jeffminor1583]

I think your listeners pretty much all agree, your guest Jeff was a huge hit, I also agree he was a super guest that had a very positive way of asking questions and delivering answers. I vote for a regular appearance, the two of you really made it happen. Thank you.

[@imeldageneroso8369]

This is the best interview so far. Intelligent, interesting stories. 👏👏👏 Part 2 maybe?

[@ricoroger]

Great interviewed!, knocked this out of the park (homerun)...thanks!.

[@leemyers626]

Great interview! Really enjoyed the perspective of someone who can make comparisons. Plus, the insights he expressed. Outstanding!

[@everymanhasastory]

Thank you Lee. Your opinion means a lot to me

[@carolmiranda6904]

Thank you . Filipinos are compassionate, humble, kind, gentle and patient. Best traits given by God .

[@liabheferrole1766]

CORNY MO!! LOL.

[@everythingbeautifulalways6118]

Doing well Mark, question's are asked, question's are answerd.

[@sbhg3166]

Hey Mark, appreciate your interviews, it’s good to hear others perspective of the Philippines. For new guys coming to the Philippines, I would recommend them staying at the Park Inn hotel in Bacolod, because there is a walkway directly connected to the SM mall with lots of restaurants, good places to shop, and plenty of coffee shops, including Seattle’s best and Starbucks, it’s a good place to meet people (I find starting conversations with Filipinos is very easy).

[@westnash]

Thanks. What is the cost for a month there? How is the internet?

[@sbhg3166]

@@westnash it is a hotel and usually rented by the day or week. During peak time it could be $120 a night, but I got them recently by using Agora at $61 per night. They have a restaurant that serves all day and a very small bar area with an open lounge.

[@akosirolandr]

Great content. It would be nice to see a part 2. Jeff is a very fascinating guy and should have his own YT channel to mentor people about investments/finance, travel, and life in general. I'm Filipino/American and living in SoCal. I'm thinking of retiring in Duma in a few years. Thank you, Mark!

[@everymanhasastory]

I agree. Unfortunately Jeff is no longer on the island 😕

[@Ymanntronics]

I enjoyed listening to Jeff‘s story before he decided where to stay and his assesment about the Philippines. I wish him an enjoyable stay in our beloved country.

[@everymanhasastory]

Thank you for watching ☺️

[@jspice-kl2wc]

Great interview, thank you. 👍👍👍

[@faithdino4428]

Very interesting topic.. He is a high profile expat. I learned things from him. Watching from Chicago. Here in the US you may be a government connected or private person attitude is the problem..you had to deal with it. In my part as Asian it’s scary….how I wish to be in the Philippines right now stay for good.

[@Tom-sv5zw]

New to the Philippines and living in Muntinlupa area of metro Manila. This is a beast of a city. I rarely see a foreigner and interacting with locals does not seem as easy as areas I see from KZbin vloggers from other parts of the Philippines. I am an easy going and friendly person. I will be staying in the Philippines but will be making my way out of Manila within the year. There’s a reason foreigners don’t live here except for business or other demands. I’ve passed thousands of people in a day’s time and not seen a foreigner. Going anywhere is a struggle due to traffic. I’m not getting down on Manila but it is what it is. Not easy living.

[@TeaRho]

Curious as to how you ended up there. Even locals need a tough gut to live in the general, mass populated area. The great divide between the gated community and not (real native born to the area) is massive.

[@alansapilipinas]

Manila is VERY tough. Start in Cebu. Try Dumaguete / the island of Negros in general, then Bohol / Panglao, and then places like Siargao or Palawan. Negros is considered the best overall for foreigners.

[@alansapilipinas]

I will rarely if ever go back to Manila. It would only be for a connecting flight ✈️. The city is just too dirty.

[@Tom-sv5zw]

@@TeaRho my wife is from here and I told her we will live in the Philippines but not Manila. We rent a nice house in a gated guarded community so we are fortunate in that respect. We will be moving within the year

[@TeaRho]

@@Tom-sv5zw That figures. There are many interesting, better cities, areas in the Metro but it will depend on your finances and preferences in lifestyle. Good luck! 😀

[@donoragonvlog641]

Thanks Guys for the Good impression to Filipinos !! Go to my Place where I was Born “Bicol”

[@borandell9915]

Wow! Just an amazing guy. Any country would be lucky to have him as a citizen. Very intelligent on financial and world affairs. And he is right, American is changing, not for the best.

[@mikeb9189]

Two incredible interesting interviews in a row. Great job. Thanks for your great channel.

[@everymanhasastory]

Thank you for watching Mike

[@xiaph2581]

Thank you for saying that Filipinos are wise and others can emulate. Yes I think Filipinos are unique in the sense that we have more patience, wider understanding and are caring people.

[@rosariolarion9319]

Very informative vlog. You are doing such a great job being a host. Your guest does open up and have a great rapport in talking to them. Listening positive things about the people and life in the Philippines ❤is a delight indeed . Thank you for sharing.

[@josephreyes6214]

He could be a good model to follow especially for Philippines

[@JimdaTMariano]

Great episode. Jeff sounds like he's becoming Filipino and finding his life purpose here. Would be interesting to work with him about community work. Hope to hear more from him. Thanks for this beautiful episode.

[@melynfale7008]

Glad to have you Sir in our country ... Our country is having quite "balance " way of living although greater percentage of the working population work abroad to uplift our economy.

[@herminiasalas6000]

people in the Phillippines are so kind and love theirvfamily

[@liabheferrole1766]

CORNY NIO.

[@victoriacayabyab8624]

This was a very nice interview and happy to know how foreigners see our country on the positive view specially us.......Filipinos. This is us as a person, we love making friends.

[@ej3943]

One of the most insightful interviews 👌 👏 👍.

[@arttorres978]

Living in other country for a while made me realized phil dosnt need to compete with other countries, otherhand phil should preserve things the way it is, thats makes them unique, family oriented , simplicity, life to live etc..to think you were born to live a good life appreciate everything, not stress .