Basketball stats

Day 1

Mid range percentage 30%

Day 2

Mid range percentage 27%

Layup from left 90%

Layup from right 65%

Day 3 -estimated

Mid range 25%

Layup from left 80%

Layup from right 40%

Day 4

Mid range 26%

Layup from left 90%

Layup from right 80%

Resolutions – 2017

Short term resolutions (Days – 1 Week)

  1. Meditate once per day for at least 20 mins
  2. Reduce intake of meat and increase intake of health products
  3. Accompany my parents out at least twice a week

Medium term resolutions (Weeks – 1 Month)

  1. Read a book at least once every month
  2. Do not overthink and waste time on things and situations which are beyond me.
  3. Reduce my intake of alcohol (target twice per month) and exercise more instead

Long term resolutions (Months – 1 year)

  1. Learn to say no (includes lending people money) and tell the truth
  2. Learn to create own shampoo, toothpaste etc which are organic and rely less on buying off the shelf products
  3. Go for meditation classes

Lifetime resolutions (1 year – 10 years)

  1. Retire by 40
  2. Find someone who is your soulmate and never settle for less
  3. Target to be a meditation instructor


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What my 20s taught me

This entry was inspired by my Friend who had went through a huge change in his life. Remember people may judge you or criticise you but deep down they wished they had the courage to do the same. And please don’t punch me in the face when I give you my most authentic feedback, it just means I am comfortable around you to be myself.

The 20s was really a time when I transitioned from being a lazy, unmotivated and probably an emo guy to a slightly more responsible, positive and more authentic person. Hopefully after this entry I can always look in the mirror everyday and hope to do small tweaks to beat the man in the mirror.

Lesson 1: Society wants to mold you into something they need and it is up to you to break that mold

Growing up in practical Singapore meant that every human being is considered a resource. Which meant that it is highly unlikely you can get into the job of your dream as The education system serves as a mechanism to fuel the best economic expansion it believes it can achieve. Logically it will often seem like the obvious choice to shut up your heart and just listen to your head for that job. However, very often you will find that money can never replace the feeling of being appreciated and satisfied at work, you will be spending 8 or more hours of your life every weekday on this. I will leave it to the readers to figure out what to do with this career misalignment, as I also do not have any advice on this and am still trying to break out of the cycle. 

Lesson 2: Most people do not give a fuck about your achievements

In your 20s you have the most chance to meet up with new people, probably new colleagues who can become friends, initially it might be very fresh to open up yourself to them, however as time passes you will realised that most people probably have so much baggage inside them that they only want to wait for their chance to speak and the actual fact is that they do not really care about your achievements. I have leant to be a better listener as I sometimes fall into this trap sometimes. And also stop trying to achieve something for other people, such as showing off a new expensive car or watch, cause probably they do not give a single fuck as well. The only true gift you can give to yourself before you hit 30 is to learn to be authentic to yourself.

Lesson 3: It is ok to walk out on a relationship or friendship after several years

There are those who are authentic, however there also exists people who are pure jealous of others achievements that they will find a need to put you down everytime and criticise you when they hear something new from you. These are people I classify as they think that they are the smartest person in the room. They are probably very negative people as well, thus learn to filter out these people in your life. It is actually ok to walk away. Your life will become more peaceful without these dramas. 

Lesson 4: The candle that burns the brightest burns out the fastest

In this society, everyone is striving to become the best, they have forgotten that it is actually ok to just be average. In my first job I was clocking in 14-16 hours per day at work, although this stint was also the main cause of my abilities now, I would have preferred not to have burned out so fast as I really enjoyed the work there, but not the workload. Thus treat work like a marathon and not a sprint and you will not burn out so easily. It is also damn bad for health.

Lesson 5: Rejections are only a way of telling you that the thing that you are pursuing is not suitable

In your 20s you will be facing many rejections in life, from that job interview to that sweet girl you have been eyeing for a Long time, they are part and parcel of life, it is ok to feel sad, however there is a need to get back up on your feet once the moping is over. I strongly believe it is life’s way of telling you that it has something better planned for you. You simply can’t be having it all and I am I quite sure that we might envy people who have it all, but deep down they might want more and more. As life do not want us to fall into the trap of having it all, they assist us in the form of the rejections we get in life.

Lesson 6: Watch your health

When you are in your 20s you will find that you are full of energy, hitting the club at 12 and then retreating home at 3am to rest for 5 hours before going back to office in an alcohol induced coma to give some half fucks at work before clocking the minimum hours and then going back home to sleep. 

This was something I was doing for 2 years in my first job and my health really deteoriated. Eat clean preferably more vegetables and fruits and less meat, exercise more and have a healthy and uncluttered mind by meditating. These are important.

Career mistakes in life

In a flash of an eye I have been in the work force for 6 years. Time passes so fast, rewind back to 6 years ago, I was in a consulting firm grinding 12 – 16 hrs per day. But this experience also showed me what I was capable of but didn’t feel like doing.

The truth is I seemed to have lost the spark for IT now. Everyday is a drag going to work and I believe it to be true even if I were to change to another job. After reading the book signals I believe it’s time to do a career switch. 

Apart from career missteps, I have tried several side hustles,

1. Dot com culture – IT programming freelance firm

2. Fx trading

3. Carousell 

4. Dividends investing

5. Participating in LTA hackathon

6. Freelance tutor 

Out of which I am currently still doing the IT programming freelance, dividends investing and the freelance tutor. I may be trying to do too much things in too little time. Recently Singapore got an Olympic gold medal in Swimming. I’m damn proud of my country and from this 21 year old guy, I realised something, if you wanna get real good in something you will need to devote a lot of time in it. Thus my failure in some of my side hustles may be due to me trying to do too many things at one time.

Out of the 3 side hustles, only the tutor will require me to exchange my time for money. For the IT freelance business, it is just a collection of hosting fees every year. And for dividends investing, I will hope I can pay lesser time to monitor, so that it will also turn out to be the money never sleeps and earning even as I sleep, instead of my keep monitoring Everyday.

I have realised one thing, in work and in side hustles, you will need to understand yourself in order to proceed. I am more of a lazy guy who will not really work too hard in something I do not have passion in. Thus I’ll just slowly add get more customers to come and host with me and not overextend myself. For dividends investing, I have found a method which suits me very much. It’s like a hybrid of delisting/dividends investing.

Understand yourself and it will be a huge backing for you to thrive in life. Life is not about how much things you own or how many breaths you take. It’s always about the moments which take your breath away. For me I know I will never be able to become an Olympic gold medalist. However, my olympic moment is when my dividends/ IT freelance business can generate enough cash flow every month for my living expenses, that’s when you have your own moment which you will be free of all the shackles to do whatever you want.

What is your Olympic moment?

Portfolio July 2016

Did lots of re balancing. This is my portfolio for July 2016.


porfolio pie chart

  1. M1 – No analysis method used. It is also one of the highest loss counter I have on my portfolio. This is to remind myself not to purchase on gut feel.
  2.  Powermatic Data – Below CNAV of around $1.30, Passed POF score
  3. Keppel DC Reits – Using Reits analysis – Passed
  4. LTC corp – Below CNAV of $1 – Bought at $0.72 Currently at $0.52
  5. Frasers centrepoint Limited – Below NAV of $2.22, ROE 10% Dividends at 5.6% PE ratio 6.76
  6. Gold – for hedging against the collapse of currency (highly unlikely scenario)
  7. Siver – for hedging against the collapse of currency (highly unlikely scenario)
  8. Sim Lian – Below NAV of S1.125, Dividends at 8% PE ratio 8.43
  9. Hyflux 6% – Perpetual shares
  10. Nam Lee pressed metals – Below NAV of $0.49 Dividends of 8%, PE ratio of 5.8
  11. First Reits – Using Reits analysis – Passed
  12. Warchest – OCBC 365


Recently i had just completed the Book Signals by Pippa Malmgram, its an awesome book which opens up your perspective to the happenings around the world as they unfold. A very important concept in this book is the idea of innovation. Her viewpoint is that innovation will be the breathe of the economy moving forward in this information era. A video to better illustrate this innovation as part of the moving economy can be better explained in the video below. Do take note it is 30 mins long, however I can assure you it will be one of the best explanations of economics for the lay person.

I would like to give my own view points of this topic of innovation as a driving force for the economy as I am working in the IT industry and should have a perspective of how it is moving towards. The below are of my own perspectives only.

This IT industry is undergoing a tectonic shift as there has been a surge of what we call the sharing economy. You can take a 2-3 mins look at this video below for a explanation of the sharing economy. The beauty of the IT industry is that it does not have a fixed point to which industry it can disrupt.

Eg of sharing economies

  • Grab / Uber (Transport industry)
  • Facebook / Youtube / Netflix (News and media industry)
  • Air BNB  (Hotels and accommodation industry)
  • Cloud computing  (Infrastructure Industry – I will consider this to be a sharing economy as well as companies no longer have to purchase servers to store on their own)

Humans have an obsession with owning things, I say this with a 8 year old mentality in mind. As I recall asking my mum to buy me lots of toys of captain planet and ninja turtles almost 20 years ago. We highly believe owning something will make us happier. However this has led to a tipping point as things which are supposed to make us happier, make us fall into the trap of greed. We will keep wanting more and more and with a limited resource earth, we keep on purchasing as if all the resources are infinite.

Purchasing and owning things are made easier with cheap labor forces from China that pushes the costs of things down. It was just almost 20 years ago when the wave of owning CDs were the hottest thing as there was practically no internet and one of the past time was to listen to music and watch television. However with the sharing economy, CDs are slowly becoming obsolete, we can listen to any song which we like on spotify or youtube and this has made waste lesser, as we do not need to own the pieces of discs to have the same experience. Largely of the things produce lead to waste as most often, these things land up in the cupboard, without being used again after once. This places a strain on the environment as well. Thus the sharing economy solves this problem by matching willing “renter” with willing “service provider” instead of buyers and sellers. We rent that service we need for a fixed set of time and as a result, we pay lesser and get almost the same experience. The service provider earns a small amount for the service which he had provided and thus the asset he owns which generates this amount of cash for the service he rendered, instead of sitting there doing nothing, would enable him to get a return on asset.

The sharing economy will reward people with the ability to adapt to market conditions and provide the services which is required. However because due to the fact that the same thing can be shared around, it also means that moving forward, if industries which are in the sharing economy, Eg manufacturing of cars, hotels, physical dvd shops, do not innovate their way out of this, they will soon be rendered obsolete as the demand for owning something becomes lesser.

However there would be another camp which would suggest that the sharing economy do have its draw back, eg you will need to maintain servers which draw energy from the grid 24/ 7, and this leads to environmental impact as well.  Well lets hope that sustainable and clean energy can get us out of this mess and we will begin loving Gaia once again instead of abusing it for our own needs.

My own signals (These are my own viewpoints – Just recording down and to see a few years later am I right). I believe sharing economies are here to stay with the over consumption in the past 20 years, we need to slow down. I will try to put in all the pure sharing economy play and these are just predictions on the big wave without any fundamental analysis on how the company is run and also their management and is only done for fun.

Singapore market

  • Long data centers
    • Keppel DC Reits (SGX) – Current price $1.20 (Author is vested in this)

International market

  • Long sharing economies
    • Netflix (NASDAQ) Current price US $85.89
    • Facebook  (NASDAQ) Current price US $121.00
    • Sales force (NYSE) Current price US $82.55 – CRM
  • Long data centers
    • Equinx (NASDAQ) Current price US $378.86
    • Rackspace (NYSE) Current price US $23.37
  • Long Green Energy
    • Tesla (NASDAQ) Current price US $222.27
    • Solar city (NASDAQ) Current price US $26.45
    • Sun power (NASDAQ) Current price US $15.37

As you can see there are several theme play for other markets, but for Singapore, it remains slow to pick up in terms of cloud,  the sharing economy and green energy. Part of it may be due to the small amount of investor pool in Singapore.

There may be more of such sharing economies such as Amazon, Google and Microsoft, however I did not list them down as they have other businesses which are not of a pure sharing economy play.