sangsara.net

Tag: Personal Finance

  • Week 18.25

    Week 18.25

    • In an effort to extend my financial prudence, I downgraded our Netflix plan to the lowest level (from Standard to Basic) but before the change even kicked in, they raised its price from S$14 to S$16. Everyone online seems pissed about these latest hikes but I’m sure very few will actually cancel. The Basic plan is limited to 720p (“HD” instead of 1080p’s “Full HD”), but the Apple TV 4K box does a pretty okay job at upscaling it so while the picture is noticeably softer, it’s not actually terrible, at least not for watching the crappy fare on Netflix anyway. I expected the Sony Bravia TV with its “Cognitive XR Processor” to do a better job upscaling but it doesn’t!
    • I also felt much better about not giving into the urge to buy a Snoopy camera last week, thanks to this PetaPixel review of the new Yashica City 100 “scamera”. It confirms what I’d suspected, that Yashica is now nothing more than a nostalgia brand owned by a soulless holding company that slaps it onto OEM Chinese junk for a quick buck. That pretty much applies to any legacy CE brand like Polaroid, RCA, Nakamichi, or Toshiba. I briefly handled the Hello Kitty version of the same Snoopy Yashica camera in a Japanese electronics store in February and found it more or less what you’d expect a $100 camera to feel like, and probably the only acceptable reason to buy one is if a very small, phoneless child needs a camera that no one will mind losing.
    • After doing an annual report of my finances last week in Numbers, I decided to ask various AI tools to read the last year of updates on this blog and tell me what I’ve been up to in the form of trends or insights that I might not be aware of myself. A qualitative annual report of the sabbatical soul, if you will.
    • Microsoft Copilot surprised me, doing better than DeepSeek and ChatGPT by surfacing some events that I’d forgotten about, calling my life a “deliberate, well-curated blend of sensory and intellectual pursuits.” I challenged it by asking if that was just a kind framing of someone wasting time without doing any ‘meaningful work’, and it acted as my enabler with statements like, “you’re starting to honor your intrinsic motivations—the subtle joys, the unexpected moments of creativity, and the experiences that forge your unique narrative. In a way, this period of introspection, though it might seem like “wasted time” from one perspective, is actually a profound investment in self-discovery.”
    • That sounds awfully waffly, but to be fair, we had a good conversation about what meaning looks like when your values are in a state of flux, and then it offered a novel observation: the Numbers exercise and this blog review, as acts of going over collected data to synthesize meaning and review progress, are simply me “doing ethnographic studies of my own life”, which suggests I’m still doing the work, just for a different client (me).
    • Singapore voted, and the result was the People’s Action Party staying in power with 65.5% of the popular vote (I guessed this exactly in a group chat, down to the decimal point). I was disappointed to see the independent candidate for Mountbatten, Jeremy Tan, ‘only’ get 37% or so of the vote — an incredible result for an independent, but still short of a victory. That’s a shame, because he had some interesting policy positions and is the only local politician I’ve ever heard talking about Bitcoin as a consideration for the future. It’s a monetary development we could be discussing in public, without outdated FUD like calling it ‘gambling’, ‘not backed by anything’, and so on.
    • It’s a good thing I have free time, because an old GarageBand file decided to split itself into 38,000 zero-byte files and clogged up my iCloud Drive. Trying to delete them from a synced Mac and empty the Recycle Bin was extremely painful, as the device tried to download each one first; you’d think syncing a zero-byte file would be instantaneous, but you’d be wrong about how iCloud Drive works. I had to manually kill the Finder several times and resume the entire process, clicking “Continue” every few minutes in a dialog box. 10 hours later, I had successfully deleted nothing. A person less technical than me would have thought it was broken and lugged the thing down to a Genius Bar.

    ===

    Palate cleansing photo break!

    ===

    Some recent thoughts on AI

    I crept onto LinkedIn out of curiosity to see what was happening in that backslapping cesspool of thought leadership and saw a post about generative AI and creativity from someone I genuinely respect. They talked about being asked to make up unique bedtime stories for their kid each night (incidentally, a similar ritual was the genesis of Guy Immega’s sci-fi novel, Super Earth Mother, which I enjoyed last year, as told to my book club when the author dropped in for a chat), and how although it was tiring at times, it was worthwhile in a way that indicated creativity would always be a domain that humans stay involved in and not completely outsource to AI.

    I wanted to leave a comment, but 1) hadn’t really thought enough about it, and 2) didn’t want to add neither signal nor noise to that platform.

    Later on, I scribbled the following in my Notes app.

    Creativity is fun. In a capitalist world, making money with creativity is even more fun. And I think this is where our wires have become crossed: getting a new tool to spit out artwork/content that someone usually pays for feels like discovering a vending machine for cash. That’s clearly what business owners see when they look at AI — a vending machine for infinite workers — but the conflicted horror that creative professionals experience is unique. On one hand, excitement that it works and an inkling it can be used to do either more or better work (more profit); and on the other hand, despair as they realize the market value of all work stands to be destroyed by infinite supply.

    But if you remove making money from the equation, I’m sure 100% of creative people would still rather do all the making themselves than let an AI do it. People are always gonna draw, tell stories, and record moments because it’s just fun. It’s only the market that’s disappearing, not the joy of creating. Outside of companies generating assets to use in actual business, I believe individuals playing with AI today aren’t engaged in creation — it’s consumption! I might ask my poetry GPT for a poem about a sentient toilet, not because I want to write one, but because I want to read one and nobody has done it yet. It doesn’t displace the desire to create, it just dispenses empty, throwaway satisfaction on demand. Unfortunately, that describes the majority of entertainment. The ‘Basic’ kind you can safely watch in 720p for half the money. Art is not in danger, only the day jobs of artists.

    Edit: I forgot about the use of generative AI to create scammy/spammy and otherwise harmful content.

    ===

    Media activity

    • Lorde announced her new album, Virgin, coming June 27, and I’m super excited for it. No Jack Antonoff credits in sight, this one’s all her and Jim-E Stack, and from the sounds of the first single, it’s the essence of her old Pure Heroine/Melodrama sound refined with a more minimal and electronic approach.
    • We saw the new MCU movie, Thunderbolts*, at a premiere screening, the first one I’ve seen in a theater in many years. I’ve actually missed the last few Marvel outings out of sheer fatigue and the realization that they actively bore me now. I tried to remember the excitement we all had for comic book movies when they were rarities; that euphoria that our interests were finally going mainstream, our culture was being brought to life on the big screen. Congrats guys, it’s now so mainstream it hurts.
    • On the lookout for a low stakes network TV show with tons of episodes that I could watch any time I have an hour to kill, I decided to try the pilot for Suits and hey it was fun! Now I know who Meghan Markle is. I don’t know why I never gave it a go before, probably because I’m allergic to that word in all its forms: the clothes, the jobs, the people.
    • I read the hit Japanese novel, Before the Coffee Gets Cold, which has spawned numerous sequels now and dominates the bookstore charts locally, and was completely underwhelmed. It’s the literary equivalent of a cheap Netflix drama. 2 stars.
    • I also read the third Murderbot book, Rogue Protocol, and this was probably the weakest one yet. I’m still excited for the show based on the first book, debuting on Apple TV+ this May 16. This book just had the kind of claustrophobic setting you dread encountering in a first-person video game. You know the cave and sewer levels I’m talking about. It felt like a necessary interstitial story to get us to the next one, which promises an event that many readers would have been waiting for since the end of the first book. 3 stars.
  • Week 17.25

    Week 17.25

    • When I discovered a fix for an annoying iOS photo date/time saving bug last month, it required a reset of all my phone’s settings. Which means that many of my apps still can’t send notifications or use my location — these are being restored ad hoc, as the apps only get to ask for permission whenever I reopen them.
    • As a consequence of this, it wasn’t until recently that I suddenly noticed I wasn’t getting the twice-daily ‘State of Mind’ check in reminders from Apple Health anymore, and went to turn them back on. These are quite useful for being able to look back and see how happy/depressed I was at any point in time, and it sucks that I now have a big hole in this dataset.
    • I’m taking this opportunity to change the way I approach this exercise: literally being more positive. For those unfamiliar with it, you’re meant to rate how you’re feeling from Very Unpleasant, Slightly Unpleasant, Neutral, and so on. I never used to go up all the way to “Very Pleasant”. Like, I could win a million dollars and wonder if even that warranted using such strong language. But now I’m giving myself permission to be more generous with my feelings. I can feel “Very Pleasant” more often and nothing will get broken.
    • In other recalibration news, I spent half a day in Numbers (Apple’s spreadsheet software) and did a personal annual report of sorts to inspect how I’ve been managing my money in the last year. Now that I have enough data, I was able to build some graphs and breakdowns of what a realistic budget looks like. I’ve always recorded my expenses on a daily basis with an app, but never crunched the numbers before; I was happy just knowing that I could. Naturally, now that I have, I wish I’d done it years ago.
    • At several points during the above activity, I wanted to upload my file into ChatGPT and have it analyze my spending patterns and offer up some money-saving strategies for me to consider. But of course, giving OpenAI that data would be a terrible idea. I wondered if Apple Intelligence in Numbers could do anything with it, but nope. It’s just the same old Writing Tools that make more sense in a word processor document than a spreadsheet.
    • I spent most of my time reading this week, although the temptation to jump on the Clair Obscur: Expedition 33 bandwagon is very strong — at this point in time, it’s the highest-rated game of 2025 and the 13th best game of all time on the PS5. Maybe next week?
    • On top of finishing Broken Money as scheduled, I read Meditations by Marcus Aurelius and rated it just three stars on Goodreads. It’s absurd that one can even humble the great emperor with a thumbs down on the internet, but his journals are in dire need of an editor! Yes I know these were never meant to be published, but he repeats the same handful of principles over and over (which I largely agree with), and this could have been cut down to be a podcast or self-help PDF on Etsy?
    • I also read the second book in the Murderbot series, Artificial Condition, and found it even more fun than the first. At this point, I’m kinda desperate to watch the Apple TV+ show and not sure I can wait for weekly drops over the next few months.
    • While looking for a manga with some colored pages to try out on my Kobo Clara Color, I started reading the oddly titled I Want to Eat Your Pancreas (trust me, there’s a mostly acceptable explanation for this), and enjoyed it enough to finish everything in a day. Unfortunately, while experiencing color on an ereader is real nice, the Clara’s screen is too small and I read most of it in black & white on my old Kobo Libra. Irony!
    • I’m now close to finishing Erik Olin Wright’s How to Be an Anticapitalist in the Twenty-First Century, not because I dare dream that this world could ever abandon capitalism, but it wouldn’t hurt to have some alternatives. I’ve now begun to think of capitalism and its systems as a spectrum rather than as absolutes.
    • Coincidentally, it’s election season here in Singapore and we go to the polls next Saturday. I’ve been watching the political rallies live-streamed on YouTube over the last few evenings, and have mostly been annoyed at the complaints and vague promises to do better (to say nothing of the insanity that sometimes shows through in racist, antivax, and xenophobic ad libs). Singapore already enjoys some of the best quality-of-life outcomes possible under a hybrid capitalist/social democracy, but it seems people want more. They want a hands-off government, but also want it to protect them from job-stealing AIs and foreigners. They want everyone to be paid more, but don’t want to spend more on services in return. It’s so exhausting.
    • I was looking to spend some money on a birthday present for myself since I’ve been such a good little budgeter, but the best thing I could find were these new Yashica Peanuts cameras featuring Snoopy, who I’m still kinda obsessed with. The idea was quickly abandoned because I do not need another digital camera, especially not an intentionally mediocre one.
    • Still in the mood for a photo-related splurge, I went back to the Lampa camera app (first mentioned last September), which got three new ‘film-inspired’ color profiles in a major update this week. That brings the number of available looks up to six, which better justifies the high asking price (S$40/yr or S$90/forever) which was previously out of the question. I’ve been using the free trial while looking for cheaper alternatives, but Lampa just does what it does so well.
    • In terms of UX design, it’s super focused and perfectly walks the line between too simple (Zerocam) and too complicated (almost every competitor I’ve looked at). There’s just enough control, and few enough options that you can actually make decisions. In that way, it out-Leicas the official Leica app, which does not have a great UI and asks for S$100/yr. Technically, it uses a bayer RAW image pipeline for more natural captures, keeps those RAW files so you can “redevelop” photos if you didn’t get the right filter or exposure the first time, AND deletes those RAWs automatically after 30 days to save space. Hats off to great work, but man, the cost is uncomfortably close to buying an actual Snoopy camera.
  • Week 2.25

    Week 2.25

    True to early January patterns in Singapore, it’s looking gloomy, rainy, and dare I say even a little bit chilly out there (lows of 22ºC). My memory of Chinese New Year each year, though, is that it’s always intolerably sunny and hot. So unless climate change has mucked that up, things will flip in a couple of weeks.

    If you’re reading this on the web, you may notice the site sporting a refreshed design for the new year. This came out of a chat with Michael about tools for cross-posting to Bluesky and elsewhere. I said that it’s been a longstanding wish of mine to just post everything, including short “tweets”, here on WordPress and have them go out to social networks automatically. At which point I remembered that WordPress’s new annual theme was due out, and that’s what you’re looking at now: Twenty Twenty Five.

    The basic architecture is the same, but there are several improvements that I’m happy about. For one, the home page now supports showing full posts, so you don’t have to tap through to read them. You can also hide page titles on specific pages, which I used to get around with a hack. The new default font (Manrope) isn’t bad, but I wasn’t happy with the line spacing and weights they chose, so those have been customized. Wordy bullet lists are also displayed in a more pleasing manner than before, which is great for these updates.

    I moved some other components around to make more sense to me, but no one else will probably notice. I also took the opportunity to inject some classic sangsara.net yellow into the header, a callback to how this site looked 20 years ago. I literally had to go dig into my file backups to find a reference for the color code.

    I’ll probably improve the About and Archive pages when I run out of other things to do.

    ===

    Have you ever started mentally packing your bags for a trip because it was too early to physically pack, but the anxiety of wanting to sort it out was getting too strong? That’s me now, and I’ve started to decide what devices and chargers I’ll need and how to organize them, and also what bags to bring for different purposes.

    It’s at this point that I realized I’ve somehow become one of those “bag guys” — not so hardcore that I keep up with every new release from Peak or WaterField or côte&ciel, but more that I have way too many for a person who really stays in a lot.

    A couple of days ago, I started seeing online mentions and reviews of the new S$40 Uniqlo ‘Multi Pocket Shoulder Bag’ and decided that it could beat Peak Design’s 10L Everyday Sling for carrying headphones, camera, Switch, iPad + keyboard, down jacket, and a bevy of other bits on the flight over. It’s lightweight, water-resistant, and so cheap as to be disposable/replaceable if damaged. It’s also structurally unassuming, and can be used for the “everyday carry” of just a few items if needed, whereas the Peak Design bag can’t flatten down on a crowded Tokyo train even if it’s mostly empty.

    If the Uniqlo bag looks familiar, that’s because it’s a ‘dupe’ of a similar Porter bag that costs 20x more. I’m going out later today to pick one up, but can’t decide between boring black and ordinary olive. (Later: I went with black.)

    A few more travel points:

    • I signed up for a YouTrip debit card and have frankly been impressed by how well the app/service works. I used to rely on my bank’s multi-currency account + card for overseas use, but it turns out that their exchange rates are awful compared to YouTrip’s, and even Wise and Revolut’s rates. YouTrip will exchange your SGD on-the-fly as needed, or you can exchange currencies ahead of time if you like the rate. My bank requires exchanging funds ahead of time, and if you don’t have enough to cover a purchase, the entire transaction defaults to SGD (incurring high fees), even if you have enough foreign currency to cover 99% of it. What are banks even good for?
    • With this, I sadly realized I could have been using YouTrip for every online USD purchase over the past few years, instead of my credit cards which come with 2–3% foreign currency transaction fees 💸.
    • I selected Saily for my eSIM needs (discount code for $3 off: BRANDO3576). It’s a new service by NordVPN, and 20GB of data in Japan currently costs $23 USD, which I of course paid with YouTrip. Being from NordVPN, it has a good app that lets you toggle ad/malware blocking on the server side, as well as spoofing your location via their network of IPs.
    • I tried to get an updated Covid vaccine and was denied by the GP because I didn’t fall into the risk categories (e.g. over 60 years of age). This was news to me, as I thought it was available to anyone who wanted it. The Ministry of Health’s website suggests as much, but now I’m annoyed enough by the back-and-forth that I won’t get one.
    • Many years ago when I was trying to learn basic Japanese, I found some free podcasts from JapanesePod101.com, and this week was surprised to find them still around, and active on YouTube. So I’m dedicating some time over the next few weeks to watching their videos and studying up on some vocabulary which may come in useful.

    ===

    I rewatched Tenet (2020) after hearing it was recently rereleased in IMAX theaters in the US, using the Vision Pro to recreate the large-screen experience at home. It was incredible, and the film was so much better than I’d remembered it. I rated it 3.5 stars on Letterboxd before, but I’ve now upgraded that to 4.5.

    [Spoilers ahead] I read some other reviews that agreed ‘this film gets better with every viewing’, and I think it’s because you spend your first viewing trying to decode 1) what is going on, 2) how the time mechanic works, 3) what the next twist is going to be. Once those things are kind of understood, you can appreciate the craft and execution. How did they plan and stage those fight scenes, where one person is moving forward in time while the other is in reverse? And then taking that concept and applying it to driving, shootouts, and a whole bloody army? I don’t think I paid any attention to Kenneth Branagh the first time, or noticed how good Robert Pattinson really is, or the locations, or the madness of crashing a real airplane into a hangar. I was probably having a headache trying to understand catching a bullet with a gun.

  • Week 14.24

    Week 14.24

    I’ve gone and given myself another sabbatical. I’m looking forward to getting ‘important’ things done, like reading till my Kobo dies so I can buy a new one with USB-C charging, finally playing the new Zelda, watching Tampopo for the first time, exploring our public libraries, drawing a couple more Misery Men, and listening to finance podcasts because I need to graduate from roboadvisors. This will also involve stepping into a sort of low power mode when it comes to spending: public transportation, teabags instead of Nespresso pods, no new TV or PS5, canceling YouTube Premium…

    Some people asked when I made the decision or started to think about time off, but I couldn’t realistically pin a date on the donkey. I started to look through recent updates and found that I mentioned needing more videogame time as recently as two weeks ago, but it was definitely on my mind before.

    Perhaps the seeds of this extended leisure were planted during the final weeks of my last funemployment break, as seen in this post where I suddenly found a bunch of new interests and projects just as my freedom time was running out. I’d forgotten so much about that period until I started to re-read old entries while writing this update; a sort of climbing back into a dream after visiting the bathroom at night. This is week #197, which means I’ve been at this for nearly four years, and I must say it’s been worth it.

    It’s safe to assume I’m looking forward to this break, but I’ll definitely miss many aspects of working with the team I’ve been part of for the past seven years — a side of my life I deliberately omit here, but consequently won’t have an extensive external memory of to revisit (apart from photos, chats, and remnants of the work we’ve done floating out in the world).

    On that note, a few of us attended a community-run service design meetup on Serangoon Road Thursday and were surprised by the large turnout. One lovely thing that happened: we met a young designer working at one of our earliest clients, in the experience team we had a hand in setting up. Hearing from her that the work I did is still being used and built upon, helping to drive customer experience at one of the best brands in its category, felt like a nice bookend to this phase of mUh cArEeR.

    I don’t know what I’ll do next, but have no plans to think about it for at least a few months.

    ===

    Media activity:

    • How are we supposed to build memories on digital copyright quicksand? I noticed that track 14 of Vultures 1 has disappeared from Apple Music, at least in Singapore. More than the fluctuating prices, algorithms influencing commerce influencing art, and the shitty business model for musicians, the impermanence and lack of ownership might be my least-favorite thing about the shift to streaming.
    • According to the song’s Genius page, the song was also removed from Spotify back in February owing to “clearance issues”. My relationship with music would definitely be different if I’d grown up with mixtapes that could suddenly have gaps of silence in them after you’d given them away.
    • We finished Season 2 of Below Deck Down Under, and as I’ve said before, these two Australian seasons show some of the best teamwork and leadership (although not without the drama that people watch this show for) out of all the Below Deck we’ve seen (easily over 100 episodes, oh my life…) and it’s simply down to Captain Jason and Chief Stew Aesha acting like adults, communicating openly, and not being lazy. We’ll probably head back to Season 8 of the main show after this and I’m dreading being back under the command of Captain Lee.
    • I tried to resume watching Three Body Problem on Netflix despite online comments that it gets too slow and boring. The fourth episode certainly was, and I almost gave up, writing in my notes that it was “such a shame an intriguing premise can be flatly shot, shoddily paced, and annoyingly acted into mere weekend background fodder.” And then I saw episode 5, which features a bonkers CGI-heavy set piece in the middle plus a lot more going on, and now I’m back in.
  • Week 13.24

    Week 13.24

    During a chat on Good Friday — a public holiday here that I’d always assumed was less common than Easter Monday, but it turns out that’s not the case! — I realized Michael was in the middle of his workday in Tokyo and I was probably being a distraction. Our conversation started with him asking what I knew about Ethereum these days, and ended with how scaling leadership and quality in large organizations is hard, which might be related topics when you think about it. When a blockchain becomes too costly and congested, the solution is to spin off nimble L2 side-chains, just like how companies try to establish secret skunkworks teams that operate outside the rules. Both of these are an admission that we’re really bad at handling complexity.

    I put the long weekend to good use by sitting down to do some adulting with a semi-thorough look at finances, lifestyle, and possible futures. The process that works best for me is one I only realized later in life (and often forget and have to rediscover again): thinking aloud in writing. It looks like a long bullet list, occasional paragraphs, and maybe a table in Apple Notes.

    As I formed a loose decision-making framework, I asked ChatGPT to think it through with me and find any gaps in my logic or assumptions. It justified its monthly fee by calling out things I had failed to consider on more than one occasion. By the time a picture emerged, I was in disbelief. When did I start spending (or expecting to spend) so much? What idiot signed up for so many monthly subscriptions? Shockingly, ChatGPT did not suggest that I cancel it.

    It was at this point that my daily Co—Star notification popped up with an enigmatic line: “Shatter your old intellectual loops.” Hmm! What could that mean? “What you do with your money is your choice,” the detailed horoscope reassured me. While I don’t believe in this stuff, I respect how it can add randomness to one’s internal monologues. Harder still to do is read from the other perspective and see if it still says what you want to hear. It seemed to pass the sniff test this time.

    >> Sidenote: I’ve found myself using ChatGPT less lately because Perplexity is so damned convenient. It beats ChatGPT and Microsoft Copilot (née Bing) for combining AI and search to answer questions. Arc Search is alright if you have a “web research” kinda job to be done, but if I just want to ask “What is X?”, Perplexity is fast and offers sources and links for further reading. A big part of this convenience is the availability of widgets and Lock Screen complications on iOS. Yes, I do know this shit is destroying the web and I hope somebody stops/solves it soon. Still, I need answers!

    After making some progress, I went out for a walk that felt great despite the insane heat and humidity we’ve been experiencing over the past few weeks. It’s impossible to step out and not immediately be sweaty; in fact you’ve probably been sweating indoors already. Strangely, at one point, with nothing nearby except water on one side of me and a forested patch on the other, I felt waves of cool air blowing past me, close to the ground. This continued for several good minutes, and it felt like when someone leaves the door to an air-conditioned room open and it flows out. Perhaps it was so hot above that even air just 1ºC cooler coming off the river felt remarkable? I thought to myself, “Am I injured and bleeding out? How is it cold?”

    Speaking of sudden shifts in temperature and bleeding, are we really ‘still early’ when more than one person in a week starts a conversation about crypto? I had drink plans the evening before Good Friday, which made for a Pleasant Thursday, and a lot of the chat was about NFTs and memecoins. I have shifted my stance on the latter from ‘not touching that nonsense’ to ‘everybody needs a little casino time’, and so currently own some “Jeo Boden” coin, a little “Dog Wif Hat”, and as of yesterday, some “Costco Hot Dog”. The last one is funny and so might do very well: you know how their hot dogs are famously pegged at $1.50 no matter what the economy does? Well the coin is about 9 cents now, and the idea is that it’ll pump to hit $1.50, because it must! (Disclaimer: I’m in for insignificant amounts of money, please don’t go nuts.)

    My overall outlook on web3 has moderated a little since the last cycle and can probably be summed up like this: We know Computing is good, we’re quite sure Decentralization is good, and we’ve seen interesting ideas around Tokenization, but all the “crypto” solutions built on those three ideas today have got something wonky and unstable about them. It’s hard to see most alts having any lasting value.

    ===

    Media activity:

    • We’re halfway through Season 2 of Below Deck Down Under (SPOILER) and the infamous sexual assault incident that was kinda viral on Twitter when it happened has now happened. Awful stuff, and I think Laura’s reaction afterwards was just as bad. I’m glad that was taken care of. Captain Jason is the goat.
    • I’ve been watching a little Jujutsu Kaisen after seeing an incredible fight scene clip online. This was a shonen show I’d long ago decided I didn’t care for, like Demon Slayer and all that shit, but seeing the quality of animation in that clip changed my mind. Sadly, I think it was actually from the movie, and the regular TV show hasn’t gone that hard yet. I think I’m up to episode 10 and I’ll keep at it.
    • I started Netflix’s adaptation of Three Body Problem while Kim was out for a couple of nights. It’s much better than I’ve come to expect from Netflix, and it’s moving fast from my vague recollection of the first book (the only one of the series I read). I can see myself finishing it over the next few weeks.
    • I came across Adrianne Lenker’s new album, Bright Future, in my Apple Music recommendations and decided to hear it even though I couldn’t recall her name at all. It was really good, and if I had to say, it’s indie folk rock? Emotionally, although not so much musically, it reminded me of Gillian Welch’s Americana alt-country. Then Perplexity informed me that Lenker has a band called Big Thief, which sounded kinda familiar? Did I dismiss them out of hand at some point because I didn’t like the name? I put their debut album, Masterpiece, on during my aforementioned walk and was blown away.
    • It turns out I heard Big Thief’s latest album, the annoyingly named Dragon New Warm Mountain I Believe In You, back in 2022 but never went back to it. It’s a title you could use as a password.

  • DemystiFi GPT

    Explaining money, economics, and the financial world in simple terms. No question is too dumb!

    I must stress that DemystiFi is not a substitute for professional financial advice or your own research. But I started on my personal finance journey quite late by all accounts, only saving and not investing for the first decade of my working life, and missing out on much of the 2010s bull market. It was a different time: no robo-advisors, no apps for buying stocks, and not a whole lot of financial education in the system.

    One of the great things about ChatGPT and generative AI models is that you can learn by having a conversation, with a lot more flexibility than just searching and reading online articles that may or may not answer your questions directly. But without explicit intervention, a lot of the info you receive will still come phrased in the secret language of finance, which isn’t especially useful for people who know so little about money they’ve resorted to asking a chatbot for help!

    So I made DemystiFi to explain things in simple terms, using analogies and plain language. When it uses a financial term, it’ll stop to explain it. If you act like you know a little bit, it’ll gauge your level and ramp up to match you.

    You can ask it about current events (like the announcement of a new inflation figure) and it’ll search the web to find out what happened and explain the implications to you. You can also ask it to help with matters of personal finance, like calculating how much you should save each month in order to retire at 40. It’ll work out some formulas, generate code to calculate it, and give you the results.

    It’s basically the finance friend I wish I had when I was starting out, and still need many times a month these days. I hope it helps you too.

  • Week 33.23

    Week 33.23

    Our fridge is dying. After some eight years of dutifully cooling and freezing our food reserves, it’s losing its mind. Like a soldier left to survive too long in the jungle, it can’t tell right from wrong anymore, and it’s probably a threat to someone’s life. It started midweek when I decided to get some ice-cream and found the unopened tub mushy and soft to the touch. Ditto blocks of frozen salmon — uh oh, not a good sign.

    I’ve realized in recent years that I get disproportionately upset when things go wrong in the household. They’re like waves rattling loose the stones in my psychological seawall; things at home simply need to be predictable, dependable, safe. Maybe it’s the result of some trauma. Maybe the outside world is just too much sometimes.

    A new fridge has been viewed and paid for now, it will be roused from its Korean factory-induced slumber this Monday and loaded up with every surviving vegetable and condiment. I get images of them as war refugees lining up to get on a boat. They’re the tough ones, made of more shelf stable stuff. Pour one out for their fallen brothers: the spoils of war.

    Do you know what new fridges cost these days? I certainly did not. I’m pretty sure our last one was under S$1,000, but they cost more now. Blame inflation, the chip shortage, whatever, but the ones under a grand now are the brands that probably don’t come to mind when you think refrigerators: Whirlpool, Electrolux, Sharp, and local OEM brands you wouldn’t think of at all. So now we’ll have our very first Samsung product, if you don’t count the displays and components they make for others.

    Coupled with the so-called seasonal downturn in the markets now underway (supposedly the August and September months before a US election year tend to see significant corrections), there have been quite a few conversations about everyone feeling poor and worried. More than usual, anyway. I know one has to take a long view of these things, but the lack of bright spots is a little daunting.

    CNA put out a two-part documentary on Singapore’s fiscal reserves, promising unprecedented access and interviews, which I found quite enlightening. There was a visit to a secret warehouse literally filled with tons of gold, and stories about how this war chest came into being from the early days of our independence. It had not occurred to me before that our reserves were used to weather the 2008 finance crisis and Covid without issuing more debt, a luxury most countries did not have. Nor that one of the reasons we’re able to enjoy such a low tax rate is that annual income from invested assets helps to offset spending on public infrastructure.

    Here are the episodes on YouTube:

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    I had fun this week with TikTok’s “Aged” filter, which is certainly not a new concept as far as apps are concerned, but it’s probably the most advanced execution yet. Through a blend of machine learning with harvested personal data from millions of non-consenting people and regular ol’ voodoo, it shows you what you’ll look like as a pensioner (should pension funds survive the financial end times). Some people have tested it on photos of celebrities when they were younger, and the aged photos reflect how they really look now, so… this is probably how you’ll turn out! Might as well get comfortable with it.

    It turns out that old me will look kinda like one of my uncles, and I’ve been having fun recording aged videos in a wheezing voice and sending them to friends and colleagues.

    Some of the other trending filters on TikTok are pretty sophisticated mini apps that involve a prompt box for generative AI. It takes a photo of you and will restyle it as a bronze statue, an anime girl, or whatever you ask it to do. They are also incredibly fast, compared to other generative AI image tools, which suggests Bytedance is burning some serious cash to power these models and gain AI mindshare.

    I also came across a new product called BeFake that will try to take this one feature and turn it into an entire social media network based on posting creative generative AI selfies. It makes some sense — you don’t have to be camera ready (already a low bar with some of the beauty filters now available), and you can showcase wild ideas. Will this sweep the world only for people to get tired of unreality and swing back to finding “boring” posts interesting? Stranger things have happened.

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    On Sunday we went to the ArtScience Museum (at the Marina Bay Sands) for a rare high-profile exhibition of digital art. Notes from the Ether says it’s focused on NFTs and AI, but it’s also got a lot of generative art that just happens to be encoded on blockchains. I was especially excited to see the inclusion of work by DEAFBEEF and Emily Xie (Memories of Qilin), and Tyler Hobbs and Dandelion Wist’s QQL project was also presented for anyone to play with.

    Obviously this movement is in a weird sort of place at the moment. Valuations for most projects are as volatile as shitcoins, and a few “blue chip” projects like the ones displayed are more stable, but only about as much as bitcoin. Because NFT art is defined in large part by the medium, which is currently inseparable from talk of price and value, it’s hard to have a viewing experience divorced from these considerations. You don’t really visit a Monet exhibition and think about how much everything costs. Which is why the Open Editions I mentioned last week are interesting, and likewise with this event, which offers you a free NFT at the end. You get to co-create an artwork with an AI engine by uploading a photo of your own to be transformed, and it’s minted as a Tezos NFT if you’d like. I thought it was a very cool collectible to remember our visit by.

    I don’t think I’ve ever seen more affordable tickets at this museum, just S$6 with a further 30% off if you sign up for a free “Sands Lifestyle” account, so there’s little excuse not to go if you’re remotely interested in this stuff.

    Since we were already there, we also hopped into Sensory Odyssey: Into the Heart of Our Living World which pairs 8K video projections of natural scenes with immersive sounds and scents. In one space you’re smelling fresh air and damp earth in a rainforest, and in the next you’re underground with mole rats. It’s very cool, but ruined by small children being allowed to run loose in front of screens (can’t really be helped), and elderly museum staff loudly declaring that “this is a night savannah, very dark, no need to be scared!” (can be helped with training) in such a way that any illusion of being in a savannah is totally pierced — unless you’ve gone on a safari tour with a gaggle of Singaporean aunties, of course.

  • Week 27.21

    Mon, 28/6, 9:31 PM

    Today’s the 28th day of my sabbatical, so I guess it qualifies as a full month now. It may be premature to declare, but guys, I’m sure I could do this for a year or two, no sweat. If I didn’t have a fixed period planned, I wouldn’t even be counting the days.

    But since I am, it feels like the first phase is over. As occupied as I’ve felt, it’s only been the equivalent of lying about listlessly, eating empty calories, and falling asleep in the sun. There’s a feeling beginning to stir that I should be doing more. That a pen should be on paper, a sprite on screen, or a running shoe on pavement. Okay definitely not the last one.

    Am I being too ambitious? Wasn’t the point to do nothing? I’d better let this creative despondency build up a little bit more just to be sure.

    Tue, 29/6, 3:02 PM

    My iPhone 12 Pro is less than a year old and its peak battery capacity has already dropped to just 90%. For comparison, my iPhone X still retained 97% after more than a year of service. I’m wondering if it’s because I almost exclusively charge wirelessly these days? In any case, I don’t seem to be alone in this.

    7:15 PM

    Have I always had such noticeable mood swings? Stupid question. If they were noticeable before, I’d have noticed them. Now I’m keenly aware of how I can go from low-energy miserable to happily fascinated and back again in one afternoon.

    As the saying goes, “the devil makes work for idle thumbs”. I potted around my finances for a little bit and realized StashAway’s cash management offering performed abysmally in June against already low expectations, like 0.8% APR. For small amounts of emergency cash, I don’t see why one wouldn’t just employ stablecoins and yield farming to get closer to 10%. So that’s what I’ll focus on doing next.

    Earlier today I had a chat with an old friend that I haven’t talked to in probably a decade. But we’ve known each other for… 25 years? Long enough that memory is less like a map and more like a stack of snapshots of road signs. But of course we live in the post-Facebook days, so I often see updates on Instagram or Twitter. Quite recently, I clicked on a link in one of her tweets. Then last week as I was going through my blog archive and saw her name come up, it seemed natural and easy to just reach out and say hi. Then she tells me she’s also seen my online activity lately, and even came by to read this blog. Huh.

    Listen, I believe there are no coincidences when marketing algorithms are involved. Someone you know checking something out on a platform is quite likely to put it in your feed as well. As unintended consequences go, I’m really happy with this one. But if they can prime my antisocial brain to reconnect after years and years, you’d best believe they can make you buy that Cheesy Zinger Double Down meal from KFC.

    Wed, 30/6, 6:19 PM

    I’ve spent the last four hours playing Call of Duty Mobile and absolutely slaughtering what I hope were other players half my age. Two people checked in with me today and asked how things were going. I told them I was basically larping as the deadbeat, couch-dwelling boyfriend they probably had in college. I have FPS headache now, but god it feels good.

    Fri, 2/7, 4:07 PM

    I’ve done little else but Call of Duty since Wednesday and am now Level 80 in the game, which sounds like a big deal. Only now that I’ve hit this watershed achievement, the game is exposing me to other players up to Level 150. They keep moving the goalposts.

    I’ve even ended up paying real Singapore Dollars for the current season’s (really just a month-long themed event) Battle Pass, which gives me all sorts of useless gear as I keep progressing. Other games’ in-app purchases give you collectible characters and items that impact gameplay. In Call of Duty Mobile, you get outfits and wacky paint jobs for your guns (!) that no player will ever see except if you shoot them in the face from two feet away. When I saw this before I got addicted, I thought skins for guns was the pinnacle of dumb. Now I’m Level 80 and won’t be caught dead with a plain black assault rifle.

    Sat, 3/7, 5:48 PM

    I’ve just been dosed with the second shot of the vaccine and am now waiting in the observation room. I don’t know if I’m imagining the slight lightheadedness.

    Almost everyone I know has had side effects after the second dose, some quite vicious. I’m already expecting to spend the next two days in bed with a fever and headaches. I wonder if I can still play Call of Duty Mobile in that state.

    When I did some quick maths to estimate how much I’m spending per day on this sabbatical, that is to say net outflow on housing and taxes and expenses not being offset by income, it was a slight shock. While I was always fine with the idea of effectively paying for this break, I hadn’t framed it as “pay $x daily to play Call of Duty Mobile”.

    Epilogue

    OOF. That second dose of Moderna hit hard. I wanted to post on Sunday but I couldn’t even bring myself to look at a screen all day. It started 9 hours after the shot with chills in the middle of the night. All day I had a high fever, headaches, an elevated heart rate of 110–120 bpm for about 18 hours, and all the delirious dreams that come with those. It was extremely stressful trying to sleep but being plunged into a maze of nonsensical images and incompletable tasks instead. At one point I woke up and tried to explain what I had been seeing, and it felt like I had brain damage because the words just weren’t available.