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On... $STRC

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Any $BTC holder would be interested or at least curious with $STRC. $STRC is Saylor’s vampire attack on the fixed income market. People say Saylor is delusional to implement the $STRC vehicle. Now, Im not going into the technicals of what $STRC is but am looking through a different lense. With this view, I think Saylor is taking a risk but not really bat shit crazy. I’m going to compare Saylor’s $STRC bet with a typical property investor, with some made up numbers. This is just an experiment and you can come up with your own numbers. Lets make an assumption for a typical Real Estate investor as follows:- 1 million dollar house, with 10% down payment. That would be a 900k loan and 100k down payment. Assume the interest rate of about 7% per annum and 30 years loan. In a hypothetical Scenario. Lets say $STRC is a way for Saylor to “borrow” money to invest (in this case he buys $BTC instead of property). Instead of the banks, he is getting money from investors. Lets make the following assu...
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On... Labor Versus Capital

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The economy is roughly made up of labor versus capital. Unfortunately, I feel that we are only taught to labor. In the real world, it is not one versus the other but a range with labor at one extreme and capital at the other. Most people (myself included) grow up focusing on labor. And most of the people I know end up in that camp. Now, lets look at the extreme’s to see what I mean Labor versus Capital.   Labor is where you use your time to earn money. And capital is where you use money to earn money. We go to school, college and University, training us to become an employee. That’s 25 years of life roughly to be at one end of the economy. Doctors, Lawyers, Engineers, Accountants, … and the list goes on. On the other extreme end, being an investor is where you use Capital to earn money. The most passive kind of investor being just putting your cash in a Fixed Deposit and earning 3 percent interest annually. I feel like this end of the spectrum has been more or less neglected. ...
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On... The 4 Seasons of Life

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There are 4 seasons that we go through in life. This is very similar to, but not the same as Tony Robbin’s 4 seasons of life. I divide our life into 4 seasons, and we should concentrate on different parts of our lives at different ages. The first season is from birth up to 25. The second season is from 26 up to 50. The third season is from 51 to 75 and the final season is from 76 up to 100.   In the first season, I believe that we should concentrate our lives in learning and acquiring knowledge. This is quite obvious for most people as most of our life up until 25 will be schooling and education related.  In the second season, I believe that we should concentrate on earning money. it’s time to get as much money as possible. This is common with general practice, but I start to diverge from what is usual as the general retirement age is 60. And there are people who actually work until their 80’s. The third season is the season to focus on managing money. A lot of people ski...
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On... Not All Gambles are Created Equal

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Some people called investing in stocks as gambling. Some people say everything is a gamble. Perhaps we’re getting too deep into the weeds. Does the definition really matter? It all actually sits on a spectrum. On one end, business can be considered a gamble but less risky with more predictable outcomes. On the other end is probably lottery or slot machines, where it is riskier and the outcomes more random. A good way in my opinion to look at it is through the EMV (Estimated Monetary Value). This is because whether it is business or the stock market, it can be quite similar to buying the lottery. Some people may choose to ignore it, but in investing or business, a lot of luck is involved. I used Grok for a very quick look at some scenarios and it calculated a bunch of EMV’s based on some very loose assumptions and historical data. You can compare the results below. The actual EMV values are not as important as they’re not normalized for invested amount. The core comparison is whether it...
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On... Personal Finance Golden Rules

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On... 2025

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The bad news is I am not able to beat the market in 2025 (ROI since Inception ASX200: +44%, Me: +4.7 %). The good news is my net worth still increased despite poor investing performance this year, but this is due to increasing my savings by lowering expenses (see below Figure). For annual updates, see Portfolio Update. This year is marked by ATH’s in precious metal and stocks but pretty bad for crypto. With crypto being a large part of my portfolio, that has hampered my performance. ASX200 reached an all time high in October 2025 but has since retraced a little bit. Precious metals like gold and silver has kept its momentum going even going into 2026. $BTC on the other hand was doing pretty well, reaching ATH on 6/10/26. But shortly after, a big liquidation even happened on the 10th of October. Over $19 billion of leveraged positions were wiped out! This is the biggest ever liquidation event in crypto dwarfing the FTX collapse and COVID crash. Up until today, there is no clear reason a...
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On... Desperate Housewives

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I like the series Desperate Housewives. But no.. this has nothing to do with the series other than the fact that I am kind of one. Not a housewife but a househusband. Depending on the measure that you use, I think I may be considered by others that I am doing a poor job. I clean and I take care of the kids. Spending a lot of time on the road chauffeuring my kids from one activity to the next. My house is not sparkling clean but clean enough. And when it comes to cooking, my standards are very poor. Definitely not up to the standard of a regular housewife. Having said that, I will still mark myself with a distinction with a 5 out of 5 star rating. Now, I can sort of guess what other housewives excel as compared to me. Mostly it will be in the kitchen department. I have tried but I have no love of cooking. Most of my meals are a fail. In that case, why do I rate myself a success? I consider myself a star because I excel where most housewives fail to act. This is of course a very big assu...
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