Don't talk cock, just tell me what stocks to buy

One group of the population that investment course providers cannot win are folks who think that there is a magical list of stocks that, when bought, would make people millionaires, so there is no need to pick up some fundamental skills in finance.

This video shows how I deal with folks who corner me in social situations to ask for stock tips. 

You will find that this is worth your time. 

 

Personal Update - Three priorities moving forward

 

As of last year, I made adjustments to my social engagements and gained some clarity about how and with whom I should spend my time. I took this detox much further by reducing my binge-watching and stopping looking for games outside my home.  Now, I can clarify what I must do as I take a semester break from teaching at a local Poly.  

Beyond my training business, I will focus my time on the following:

a) Artificial Intelligence Apprenticeship Program Foundation course

This is not the AIAP program, but the course that equips students with the skillset. This program is very challenging as it's not conducted by a human but simply a set of instructions, after which you're thrown into the deep end with data you need to clean and process independently. I enjoy the freedom to explore a complex problem, but I'm not advancing as quickly as I did in classes in the past, as I want to thoroughly master the skillset before the semester ends. 

This effort may lead to an application for the actual program, but I expect the dividends to be paid to my ERM code base, and even my YouTube viewers may see some code very soon.

b) AI course for kids

Another project I'm developing is an AI course for kids aged 9-14 with a tuition centre in the East. If you have kids free during the June holidays, you can write privately to me to enquire. I really want to leave my comfort zone, find new sources of regular income, and learn new skills that I have not developed so far, and there is no better way than to create an AI course from the ground up.

c) YouTube Channel

This is the equivalent of my gaming hobby. One of my biggest regrets is that I should have built up my influencer street cred when I started conducting investment courses, because the feedback on viewers and responses can be addictive! My problem is that I'm a long way from monetisation, but the secondary effect is that some of my materials will reinforce my course materials after further enhancements. 

My next step is to find more creative ways to get viewers to pay me, and you will discover considerable developments in this space. I intend to engage viewers three times a week. 

The underlying theme is that I'm undergoing another transformation. 

This volume of work has been impossible to do in the past, as I lacked a strong AI tool backing me up in the bad old days. AI now improves my marketing copy, debugs my code, improves my slides, and corrects my grammar. I must spend six months trying to use AI to give me an idea of the kind of person who can make me obsolete. The hardest part is to resort to asking Chatgpt every time I'm stuck on something, and it's clear that there are so many obstacles for me. 

With all these breakneck changes and the impending doom that can come once Agentic AI is ready to take on the world, I have no idea what kind of profile a person needs to have to make a living in this world. 

It does not matter because with the proper domain knowledge, a person can become a one-man army and run an entire business operation independently. 

On Singapore Savings Bonds

 

For our next how-to video, I will discuss the importance of Singapore Savings Bonds and why retail investors need to track their returns. 

Watch long enough and I'll even show everyone how to purchase SSBs on the DBS website.

A crash course on the meaning of life in the context of FIRE

 

We almost had a personal finance festival, but the May elections forced the event to be postponed. In such events of late, financial institutions have been pushing an alternative to FIRE, implying that people in the FIRE movement experience a life with little meaning and that somehow paying expensive annual management fees can lead to a more meaningful existence.  

To counter such forms of propaganda, I spent a decent three weeks of my life decoding the meaning of life, devouring Roy Baumeister's book Meanings of Life. This article summarises the book's most fundamental ideas.

To start, we need to break meaning down into four parts. We need to pursue each part to have a meaningful life:

• Your life must have a purpose - Why do you exist?
• Your life must have value - You must bring value to others or society
• Your life must have efficacy - You need control over events.
• You must have self-worth - You need some way to feel superior to others.

Once you lay down these four foundations, you have meaning in life, and it produces a few effects :

• First, you connect all these positive and negative events together to respond differently to them.
• Secondly, this response will increase the stability in your life and help you cope with changes better. 

And that's basically the gist of everything else in this formidable volume.

If you examine FIRE within this meaning definition, then FIRE is intensely meaningful. 

• Purpose - We exist to be free of our golden handcuffs. We play roles like child, spouse, and parent rather than just a cog in the economy. 
• Value - A financially free person can give up a job to someone else who needs it more and pursue a calling rather than a job. 
• Efficacy - Passive forms of income give us a powerful sense of control over financial obstacles. 
• Self-worth - And trust me, you will definitely feel superior to others. 

That's all I have to say. 

I hope readers will use these ideas to challenge financial institutions with so-called more meaningful approaches to financial planning. It's not meaningful to be a source of commissions to these institutions.

Instead, just buy the stock, collect the dividends, and speed up your journey towards financial independence. 

About the High Cost of Living in Singapore

With the elections approaching, a JC pal asked me to make a video about Singapore's high cost of living. 

This should be the last of this channel's experimental content phases, and I will soon create content that would better suit viewership.

 

CPF-SA or CPF-IS ?

The following video taps into the popularity of content on CPF. 

I hope you guys enjoy it.

[I apologise if there are audio issues on this feed, even though I've given up on video filters. My cheapskate decision to use freeware might ultimately be to blame.It will be a long way before I become fully competent in this.]

 

It's very hard to become a financial influencer

 

After two weeks, I have some idea of what works on YouTube, and clearly, this space can be quite brutal and rewarding depending on what kind of content you intend to build. 

The video on how to think about investing in local banks was a clear winner in our series. The content most similar to what I teach in class would add the most significant number of subscribers and views to my channel. But we've yet to compare it with a video about CPF, so that's what I will be trying to launch over the next few days.

Another learning is that free tools like Da Vinci Resolve can be very hard and counterintuitive to use. I will find a way to subscribe to a new tool once I have a ready means to monetise the channel, but I suspect that this already has a positive impact on business. At the moment, I'm stubbornly trying to make do with freeware, but like other areas in a person's life, you actually get what you pay for. 

But I can't go through life with a large stack of software tools that nickel and dime me every month. Some influencers take more than a year to take off. 

I'm closing in on 600 subscribers, so I need 400 more to unlock Google AdSense. However, I need a total of 4000 hours watched over a year's look-back period, and I've watched about 300 hours so far. 

Some pals suggest we do more coffee-shop talk like Mr. Loo of 1m65. Still, I should develop my unique data-driven style in my presentations, as I'm ultimately responsible for my investment course business and personal branding. Next week, I would also like to use these upcoming elections to develop my unique perspective on Singapore's cost of living. 

If you have not subscribed to my channel, please support me here. 

HOW TO : Access dividends information on Interactive Brokers.

 

This video is short and sweet because I'm not at my usual place and must use an older laptop to create content. 

This is a video I made to help my students generate a custom report showing them the number of dividends they picked up over a user-defined time period.

Keep the subscriptions and views coming, and a lengthier video should arrive over the weekend.

Grappling with the Donald Trump Tariffs

 

The previous video has been very successful and has scored quite a few views for my channel and more subscribers. I'm still testing out the kind of content viewers will enjoy, so I'm taking the other extreme and explaining a tricky new concept in political science called dialectic materialism and seeing how it would fare with viewers.  If you find this video abstract or too difficult to follow, I have more practical articles on CPF coming up very soon.

Along the way, I also learned the basics of audio editing and normalised the audio. Despite all this, there is still some missing sound in my video, and I might remove the blur filter in future uploads. 

My face is overrated with my prism lenses anyway.

I've been trying to practice getting geopolitical alpha for quite some time, and you can find an earlier attempt here.

https://treeofprosperity.blogspot.com/2021/01/geopolitical-alpha-how-to-think-about.html

Considerations when investing in local banks

 

For this weekend's video project, I prototyped a more seminar-like video on investing in local bank stocks. 

Due to some feedback about the poor quality of the last video, I implemented a blurring filter to my video. Still, it slowed down my system and made the audio quality poorer, requiring a re-recording that only slightly improved the quality. 

So please bear with me and try to finish the entire 10-minute video. (According to analytics, most don't. )

Like I said, I will suck for a while, but I'll get better as I will focus on audio quality in my next video.

Nevertheless, I thank everyone for allowing me to reach 500 subscribers. 

 

Putting Trump tariffs and life into perspective

 

The Trump tariffs could not come at a worse time. 

My finances have just recovered from my mum's hospitalization, during which I proactively took some liquid cash to reimburse my CPF-SA. Furthermore, my teaching gigs have been frozen for one semester. The Trump tariffs may affect my other training businesses and, if they persist, may affect future dividend payouts. 

Some close friends say that my career and lifestyle choices are unsustainable without my dividends, which is mainly true. Sometimes, I wish to pursue a freelance career that can pay for all of my expenses, but mathematically, that is impossible without a full-time job. 

But if life throws lemons at you, you make lemonade. 

You may have noticed some significant changes on this blog. 

I will create more video content on YouTube to supplement written blog articles. This blog will become more meta, where I will talk about my journey as a professional and as a freelancer. The videos will contain more substantive material on personal finance as I want to reach a broader audience.

This should have happened a while ago, but I was doing well in investment training then, and there was no need to make too many significant changes in how I generate revenue. Now, given the possibility of being NEET, it is time to add a new dimension to my professional persona. A whole new world has opened to me ever since I started trying to build up my LinkedIn presence and fiddling with video recording and editing tools.

Uploading videos is complicated enough to become a new hobby, and the only price I need to pay is to binge-watch less Netflix and read up more on valuable materials. I use the Feynman Technique to boost my own understanding of my materials as I teach them to others. This has been my secret all along - when I teach investing, I'm ultimately teaching myself to be a better investor as I derive more from my dividends than my earned income.

So this week, I devoured a book for newbies on YouTube video creation, and a new world is being opened to me, including many new forms of revenue generation. As it stands, I already have a small base of students who will appreciate tiny bite-sized 15-minute commentary on local markets. I also have a ready form of monetization from my existing courses. The only thing left is to create 100 videos, making stepwise improvements for every video I launch. If I can unlock AdSense within 100 moves, I can turn this into a new vocation. Otherwise, I can chalk it to the multiple learning experiences I will get in my 50s that are becoming much more turbulent than I expected in my 20s.

There will be plenty of time to discuss the economy in the video format, but I want to put a non-financial angle to the Trump tariffs. 

What price are we paying to navigate through this kind of chaos? 

My easiest decision was to give up my identity as a gamer. This week, my D&D hobby lost two major leaders, Jeremy Crawford and Chris Perkins, each deciding to move on when the game peaked. I'm unsure how much RPG books will cost with Chinese tariffs over 100%. It's also becoming logistically problematic to get four RPG players onto a game on weekends when I can stream a finance talk and interact with fellow retail investors using YouTube during the same slot. My extroversion demands that, given it's so hard to make new friends in your 50s.

So, will my new hobby work out?

At the moment, I've been doing this for a week, so things will suck for the moment as I ramp up the quality of the videos. A good friend has already asked me to tell you how bad my videos are, and I need to blur out the background in future videos. Negative feedback in this line is gold; anything is better than indifference.

But it will get better. If you wish to support me, just find any blog article with a video and subscribe to my channel. 

At the very least, I will do this for the next six months.

Stay tuned tomorrow for my video on local bank stocks.

Consoling retail investors as the crash stretches on in the local markets

 

I probably will not run out of materials at the rate the market is going.

I'm slowly levelling up in creating new video content. Today, I started transitioning from my face to the lecture slides on OBS, and it's pretty challenging to do this with only one laptop screen. 

Just bear with me. It takes 100 videos to become proficient in this, and I'm a one-man army here.

On today's market crash

 

I had to rush to generate this second video that talks in finer detail about today's market crash. 

In hindsight, this could have been done better. My live video blocked parts of my PPT slides, and there was no call to action.

Nevertheless, I'm still trying to learn about YouTube influencing, and I've not even started on my YouTube marketing texts yet!

Please support me by subscribing to my YouTube channel. 

Expect more material next week!

 

Baby Steps : A new financial influencer is born

 

This blog will reach its 20th anniversary in 2025, and it is time to create news to reach new audiences. 

For the past few months, I've been learning new video recording tools like OBS. Just today, I gave myself a 10-minute tutorial on Da Vinci Resolve to learn some basic video editing skills. Over one evening, I created a short video with PPT slides and some of the new AI tools I have picked up. 

The result is my first attempt to create a short YouTube video explaining how I intend to begin my journey as a financial influencer. I apologise, but it's a bit raw and does not contain much content. 

For now, I hope that readers can subscribe to my YouTube channel. 

In the meantime, let me know what you want me to discuss.

My next video should be coming up shortly. 

Catching up with AI's new capabilities will be tough

 

As I'm facing an empty semester, I've been trying to be as productive as possible, putting a lot of effort into getting up to speed on the latest AI developments. It began with going to the Polytechnic to attend an in-house session on how AI can assist lecturers in making their lives easier; I was pretty stunned that I could create a slide deck on Intellectual Property Law ( complete with local references to legal cases ) when I had never taken Intellectual Property Law as a module in SMU. My services may cease to be required by public institutions in the future, as in-house lecturers can do much more with less. 

To deal with this existential fear, I signed up for a foundational module under the Artificial Intelligence Apprenticeship Program to improve my coding skills. While I had no issues learning the material and incorporating data analytical skills into my investment coursework, I was intimidated by how the course is thoroughly run by AI. The lecture video can explain the concepts well with a decent accent, but the lecturer looks artificially constructed as he did not blink often enough. The assessment was highly effective as the AI could mark my qualitative answers, tell me how my answers lacked detail, and even assign a grade to me in real-time. This is replacing post-graduate educational courses, so students only need to show up to perform labs or role-playing sessions. 

Of course, learning is only half the story; I have to figure out how to use ChatGPT to solve practical issues. My web application for my investment course has flashed many warnings over the years since it has existed. These warnings are harmless but may be signs that my code will be deprecated one day, so proactive elimination of warnings is a good idea. I resolved all warnings in one night as ChatGT-4o could explain what the warnings were and tell me exactly what code I needed to change to remove it for good. 

As I was pretty happy with ChatGPT and the more straightforward programming tasks, I restarted my attempt to host my web application on the cloud, something I had been unable to do since my last deployment broke years ago, and I have hosted my website from my laptop ever since. So, I patiently copied my code to the cloud and attempted to bring up my website, sending error messages to ChatGPT, which would patiently suggest what to do. While the AI did not get it right the first time around, I was able to have my website up within about 2 hours of troubleshooting. This required amending code that I did not write, and my understanding of software engineering is in drips and drabs. I have been an IT systems administrator, project manager and compliance professional for most of my career, so I have never done coding professionally.

I see a lot more disruption on the horizon. I was enrolled in a new AI called Manus AI, and within hours, I could generate an analyst report for Jardine C&C with quality and explanation that seemed better than ChatGPt-4o. The free version of ChatGPt felt that Jardine C&C was worth six times more than the current market price. The paid version was more accurate, projecting the price to be about 10% above the market price. Manus AI gave me a fair, comprehensive sell report. 

Over the next few days, I'll pass a few employment contracts through Manus AI to see whether it can identify critical clauses and point me to the proper case law to resolve the legal issue. If it does, it means that all three of my degree qualifications that I've worked so hard for would become obsolete pretty soon. What I know would not be worth much compared to my knowledge of how I ask an AI to solve the practical issues I'm facing in my business.

So there you have it. 

It's not about a bunch of creatives who are upset because you tried to turn family photos into something resembling a Studio Ghibli animation. With such practical tools, IT professional teams can shrink by at least 10%, causing widespread unemployment. My ERM students no longer require brokerage reports to assess potential stock picks. DBS is not renewing the contracts of some of their contract workers.

Lastly, I suspect the next-generation tool, even if it might not be able to replace a legal professional, may force law firms, at the very least, to be able to set fixed fees for legal work instead of hourly billing rates; this is Kryptonite to a sector that has grown fat over the years. If anything, in-house counsels are way more innovative and have superior AI tools to assist them, so they will try to pay law firms less.  

Financially, I'm safe for now; I might not need to do anything drastic to survive in Singapore, but I will likely rush headfirst into AI programmes at NUS. It might not be too late for a creative, a bookkeeper or even a coder who is extremely unhappy to pick up a blue-collar skill like plumbing, electrical work, or a heavy vehicle driving licence. 

I suspect the future may not look good for cognitive workers, so plumbing and home repairs might become popular CCAs in NUS.