Daddy M & M

The tech world is a high-stakes arena, where innovation demands colossal investments and market dominance is the key to recouping those costs. For a time, AMD seemed to fade into the background, its products languishing on shelves, its performance lagging. Then came Lisa Su, and the game changed. Su's strategic masterstroke? Embracing the AM4 socket and pioneering chiplet design. What might seem like a simple choice—maintaining socket compatibility—proved to be a decisive advantage. While Intel forced consumers to upgrade entire systems for a performance boost, AMD offered a seamless, cost-effective upgrade path. This resonated deeply with budget-conscious enthusiasts and professionals alike. The chiplet design, a stroke of engineering genius, simplified the creation of complex CPUs and boosted manufacturing yields. As the challenge of scaling down transistors intensified, AMD's modular approach proved remarkably resilient, giving them a crucial edge in performance and cost. Th...

Just as our company maintains a risk list, a living document that we regularly review and update, we should all adopt the same proactive approach to our personal lives. Our company's list identifies potential vulnerabilities, like the dwindling pool of COBOL programmers, and triggers action plans to mitigate those risks. We're migrating to Java, a multi-year project, because we've identified a future problem and are taking steps to solve it now. This same principle applies to our personal well-being. I've created my own risk list, a catalog of potential life disruptions: Premature Death: The possibility of dying unexpectedly. Total Disability: The risk of losing my ability to work due to illness or injury. Inheritance Issues: Ensuring my child's financial security. Loss of Mental Capacity: The potential for cognitive decline and its impact on my finances. These aren't pleasant thoughts, but they're realities we must confront. Just as our company reviews ...

Today's news sparked a fiery debate: an 83-year-old Australian millionaire, sitting on a cool $40 million, advises young people to ditch their daily luxuries to combat the cost-of-living crunch. His prime target? The humble coffee. Let's break down the numbers: The Café Crusader: A daily $5 coffee and $17 avocado toast habit sets you back a staggering $8,030 annually. The Coffee Connoisseur: Even a simple $5 daily coffee adds up to $1,825 per year. While I agree with the sentiment – cutting unnecessary spending is crucial – I vehemently disagree with eliminating coffee altogether. It's not about deprivation, it's about smart substitutions! From Café to Kitchen: A Cost-Effective Caffeine Fix My ex boss - he'd brew his own coffee at home using a capsule machine (let's say a Nescafe capsule at $0.80 a pop) and carry it in a thermal mug. Genius! My Personal Brew: A Healthier, Cheaper Alternative My weapon of choice? Homemade milk tea with brown sugar. Why? Beca...

"Understanding both the power of compound return and the difficulty of getting it is the heart and soul of understanding a lot of things." — Charlie Munger The Three Pillars of Compounding Compounding is the foundation of great investing. It works like a snowball rolling down a hill , growing larger over time. To maximize its power, you need to focus on three key factors: 1. Time – The longer you let your money grow, the bigger the final amount. Patience is key. 2. Rate of Return – The higher the percentage return, the larger your future value. 3. Initial Capital – The more you invest upfront, the greater your end wealth. If you’ve ever read Warren Buffett’s annual shareholder letters , you’ll notice he always starts by showing Berkshire Hathaway’s compounded returns since he took over. This isn’t just for bragging rights—it’s his benchmark , proving that he must outperform the S&P 500. Otherwise, he’d tell investors they’d be better off simply buying an index fund ....

Hong Kong is home to many wealthy families who built their fortunes through property investments and rental income . For decades, this strategy worked brilliantly, turning landlords into some of the richest individuals in the city. The model was simple but powerful: buy properties using loans, rent them out, and let time do the rest . Banks love property loans because, even if you default, they can still recover value from the asset. This dynamic fueled an era of booming property wealth. When Success Breeds Overconfidence But history has a way of humbling even the most successful. For over 30 years, property investors thrived, often leveraging heavily to buy more real estate. Their past successes may have given them a false sense of invincibility —believing they could weather any crisis. However, the recent property market collapse in Hong Kong and China has left many developers drowning in debt. It raises an important question: Why do the already wealthy continue to borrow so ag...

Why didn’t my family ever plant kangkong? Why didn’t we know that xiao bai cai can keep growing if you simply harvest the outer leaves instead of uprooting the whole plant? If we had known these simple gardening tricks, we wouldn’t have had to keep buying them . A little knowledge could have meant a steady supply of fresh vegetables, saving both money and effort. Knowledge is the Key to Abundance The COVID-19 pandemic made me think deeply about food security. That’s when I wondered: Can I grow my own food? I started with kangkong—my first successful vegetable—nurtured with free air-conditioner condensate water, which contains no chlorine.  Before this, every plant we tried to grow died. We never suspected it was because of the water! What a surprise discovery! Which rain water also works! I also realise over fertilizer will invite mealybugs ! The real culprit? Ants! They farm mealybugs for their honeydew. So, reduce the fertilizer and get rid of both! The Same Principle Applies...

I recently saw a story online about a guy who was struggling to find a job. In desperation, he joined an international sales team—but there was one big problem: he didn’t know a single word of Japanese. Instead of giving up, he pushed himself to learn just five words a day . It didn’t seem like much, but after a year, he had memorized over 1,000 words —enough to read and write Japanese, though he still couldn’t speak Japanese. But that was more than enough for him to handle Japanese sales through email. His senior colleague took things even further—she memorized 8,000 words in a year ! This relentless hunger for success helped them earn their first pot of gold , securing a stable, well-paying job in China. The Power of Consistent Learning This story reminds me of how many students struggle with memorizing words for school. They see it as a boring task and put in minimal effort. But imagine if you took learning seriously now, instead of waiting until it’s too late—when it becomes much ...

There's a fundamental rule that applies to many areas of life: if you want to gain more, your input must be greater than your output. If you want to reduce something, your output should exceed your input. This principle is easy to understand and can be applied to a wide range of situations: 1. Weight Management If you want to lose weight, you need to burn more calories (output) than you consume (input). This means eating less, exercising more, or both. However, be mindful of health conditions like low blood sugar—always consult a doctor before making drastic changes. 2. Wealth Accumulation If you want to grow your wealth, you must earn more than you spend. Even if you make millions, spending billions will leave you broke. Smart financial management follows the input-output rule—save and invest wisely! The Classic Water Tank Problem - from your Primary 5 math olympia This rule even applies to math! Consider a water tank being filled by a pipe that takes 18 hours to fill it complete...