Jude Law's character while be it predictable is actually kind of a cool addition to this film I will say Ben Middleston he is actually probably one of the best parts of this film because he is not what you expect at all and that's all I'll say because he actually does have a surprising role in this film and something that admittedly I was actually quite grateful for Samuel Jackson is fantastic in this film his banter with Carol Danvers as well as this cat this cat is a show stealer in this film to be honest all the action in this film is not very engaging even the flight scenes start and they end before you even know it and there's nothing really letting you breathe they're not really bringing you into these moments are showing you them but there was a sipping past them as quickly as possible going to the fight scenes the only one that I can say that was actually really well choreographed really well shot is the first one which is a training session between Jude Law and Carol Danvers no joke that's the best one because all the rest of them are shot like this and it's really bad actually was impressed at this one point in the film where they're in Louisiana they're out in this field in this bayou and all of a sudden the film just goes on like goes up 10 levels in terms of cinematography almost Terrence Mallet kind of pretty bullshit sort of cinematography the dialogue that's being said in the scene is completely hammy like very bleh but otherwise I was just like whoa cinematographers actually giving a shit here because aside from that every other shot in this film is very basic when it comes to the dialogue or any sort of introduction to the scenes like there's nothing that is creatively done in this film except for this scene in terms of being shot realistically I don't know Captain Marvel exactly isn't the most stellar film for me in terms of the marvel universe some people were saying this is one of the best it's definitely not others people were saying that it's one of the worst it is also not that it is literally in the freaking middle but possibly towards the latter half or sorry towards the lower half I thought it was an okay film but I'm definitely not going to go out of my way to ever watch this again rather watch Age of Ultron again than this and that's saying something but it's not a badly put together film by any means when you can tell that they actually cared about making this movie you can see it in the work it's an origin film without being an origin film it's probably the best way admittedly the whole amnesia thing actually isn't really explained that well and how it works doesn't really make sense and there's a few things that if you actually thought about it for a few minutes you could break this film a bit but otherwise it's not a very bad film it's just not a very memorable film it's still better than Thor 2 anyways guys I'm gonna give Captain Marvel a 4 out of 7 it's a quality film it's just not something for me obviously it's been pretty busy for other people but just for me it's an average film that doesn't have much to it but it still is a competently made film and it kind of actually I'm gonna hate to say it but it subverts expectations but actually in a good way I'm like last Jedi thanks for watching my review if you like to leave a like and if you're interested in more maybe subscribe otherwise see you guys next time thanks for watching the video you're probably wondering who I am my name is Knitz and you might remember me from the animated cult classic TV show undergrads it's been a while but I'm happy to say the click is finally getting back together in an all new movie thanks to a successful Kickstarter campaign but we are still asking for your support you know Knitz you can't get more money unless you offer questionable favors yeah guy unless of course those favors involve the ladies guy by support I mean getting the word out guys oh well couldn't you find a better means than this guy all he seems to talk about is supernatural or hold a coffee mug real awkward why didn't you ask a Kardashian or something yeah guy get in with the ladies guy hey he's trying to help out like you've been trying with Kimmy Burton I've seen job of the hut finish a marathon faster yeah guy you're a massive slug thing guy to see any and all updates about the upcoming undergrads movie be sure to check out and like the bring back undergrads facebook page and with any luck we'll see you guys soon


Hello, I'd like to share with you a little bit about the AP statistics course that NCSSM offers through open enrollment. Statistics is, of course, about data. In this class, you'll learn how the meaning of data depends on how the data are collected. You'll learn how simple scientific experiments should be conducted. You'll learn to present data graphically in a variety of ways and to interpret graphical presentations created by others. You'll learn a little bit about probability and in particular how probability can be used as a tool to assess how well various mathematical models may explain a set of data. And you'll learn to use several statistical tools that remain in widespread use in many scientific fields, tools that help you infer something big from a relatively small set of data. The AP statistics course is about concepts, not computations. You don't need to know a lot of algebra or precalculus to succeed in this class, but be prepared to write a lot because a large part of the class is learning to communicate statistical ideas clearly in writing. Be prepared to ask a lot of questions and be prepared to be surprised. There's much more to statistics than just graphs and averages. At the completion of the course, you'll be prepared to take the AP exam in statistics, and you'll be prepared to analyze data or interpret data analysis for scientific studies in many fields, including biology, chemistry, economics, sociology, and psychology. If you decide it's the right course for you, then we'll hope to see you next year. So long.


I'm Rusty Komori and this is Beyond the Lines on Think Tech Hawaii. I was the head coach of the Punahou Boys varsity tennis team for 22 years, and we were fortunate to win 22 consecutive state championships. This show is based on my books Beyond the Lines and Beyond the Game, and it's about leadership, character, and creating a superior culture of excellence. My special guest today was the senior vice president at Island Holdings and current executive director at Central Pacific Banks Foundation, and he's running for lieutenant governor of our state of Hawaii. He is Keith Amemia, and today we are going beyond leadership. Hey, Keith, welcome back to Beyond the Lines. Hey, Rusty, thanks for having me. Keith, you've been doing such amazing things throughout your life, but can I ask you first if you can share about your background growing up? Sure, I was born and raised on Oahu, primarily in Hawaii Kai. I went to public school through 10th grade, Kamilawiki Elementary, New Valley Middle School, and Kaiser High School. My junior and senior years of high school, I went to Punahua, and that's where I graduated. I had a lot of friends. I still have a lot of friends in that area. I currently reside in Paoa with my wife and son. In my high school years, I was honoured by my best friend's family, and that had an impact on my life as well, the Kobayashi family. In fact, they're the reason that I got to attend Punahua School, my junior and senior years. After that, I went to the University of Hawaii at Manoa, and I obtained a degree in business and finance, and then went on to law school at the William S. Richardson School of Law at the University of Hawaii. I became a litigation attorney for seven years, and then I transitioned to running the Hawaii High School Athletic Association, where I was the executive director for 12 years, and that's how I met you, Rusty. And Keith, you did a phenomenal job, and you briefly mentioned your wife and your son. You have a beautiful family. I know Bonnie, your wife and your son, Chris, and did Chris just graduate college? So, no, he has one more year. He's at Claremont McKenna College in California. It's a little bit east of Los Angeles. He's majoring in economics, and he was supposed to graduate this past year, but he took like a year off for a gap year or a COVID year between his sophomore and junior years. And primarily, like a lot of kids who are going to school in Hawaii, classes were only gonna be via Zoom on our kitchen table, and he wanted to sit it out and experience the full college life when the pandemic subsided, and Claremont opened the campus back to students. So he's got one more year. He's here working in the summer and looking forward to one more year of college. Oh, that sounds good. And the time flies by.  And like you said, I know you from when I was coaching at Punahou, and you were the executive director of our Hawaii High School Athletic Association, and you made such a big positive impact during those years that you were executive director. Can you share maybe let's say two big reasons why you were super successful? Well, number one, I had a lot of support from people like yourself, successful coaches down the line from principal, high school principals, athletic directors, the coaches, the business community who helped support high school athletics across the state. And just the thousands and thousands of parents and student athletes, we all were on the same page. We all had the same goal. It's to maximize the high school athletic experience for our student athletes. There's approximately 35,000 student athletes statewide every year. And so again, to use a sports term, it was a team effort. I was lucky to have everyone on the same page, on board, and the results are pretty amazing. I mean, I'm proud to have been part of the amazing things that have happened, including your 22 straight state championships. I mean, that's a national record that I don't know will ever be broken in any sport. Simply amazing. We've had athletes who have shined on the national and international stage during my tenure, whether it's Olympic gold medalist into the Catholicathlon, Brian Clay, to Marcus Marriota, you know, Jocelyn Arlo, Oklahoma University, Sooner, who won two national championships, two-time national player of the year. The list goes on. And so it was a team effort. But secondly, I came from the legal world. I was a litigation attorney, the private sector, the business sector, if you will. And I tried to bring private sector values and strategies to high school athletics. You know, high school athletics, just like college athletics and professional athletics, it's a business. You need to generate revenue in order to maximize the experience for our student athletes to be able to run state tournaments. And so I think that was helpful as well, that I had business experience, legal experience and private sector experience. Well, that was for sure, Keith. And, you know, I was there. I saw what you did and how you really build relationships with everybody. And you don't just really have an idea. You really execute those ideas to really take things from maybe a good situation and really make it great. So very appreciative of the direction you really vaulted the Hawaii High School Athletics in. And I wanna ask you, Keith, why are you running for lieutenant governor? I'm running for lieutenant governor because we need change. I'm not a career politician or lobbyist like my opponents. I'm the only candidate, as you pointed out, with executive leadership experience where I've led large statewide organizations. I'm also the only candidate that's dedicated my entire career to public service. I've been out in the communities unlike my opponents. I've been able to visit all 98 high schools during my Hawaii High School Athletic Association tenure. I've been to all the surrounding communities. Those experiences forge partnerships, relationships. I know the communities as well as anybody in the state because of my background, because of my experiences. And that will translate well if I'm the lieutenant governor. And finally, of all the candidates for lieutenant governor, I'm the only candidate with a real plan to address the problems, even the corruption, if you will, in the legislature. I'm pushing for term limits, banning any fundraising during the legislative session, banning any financial conflicts of interest that legislators may have, and also requiring legislators to comply with the Sunshine Law. Rusty, we have so many issues, so many problems facing our state, but until we can rebuild trust, reformulate the rules and ways decisions are made, how bills are passed, where funding goes, we won't make progress with the many issues facing our state today. I agree with you, and I like your ideas right there. And Keith, what are some of the best parts of campaigning? Well, one of the best parts, just like when I ran high school sports is traveling across the state and meeting different people, getting to know them and learning about their issues. Just like running high school sports for 12 years, I've learned that obviously we all know that Hawaii is a special place. Hawaii is a great place. There are so many good people across the state, and I wanna help them as great as they are, as much as they enjoy living in Hawaii. There are a lot of people that are concerned, especially working families, our younger families, because Hawaii has simply become unaffordable, and a lot of it is due to the lack of action, the lack of leadership in state government and elsewhere. And I wanna bring my experiences, my leadership, my passion to help people in need, to help the underdogs and make Hawaii the best it can be. Well, Keith, while you were senior VP at Island Holdings, and Island Holdings is the parent company of Island Insurance, Atlas Insurance, Tradewind Capital Group, I mean, a lot of companies, and you were the senior VP, and I wanna ask you, is it a major bonus, okay? Because you said you have a background in business, but is it a major bonus to really have that executive business experience for running state government? I think so, because state government is the largest company, if you will, in the state. It has the largest number of employees. It has the largest budget of nearing $20 billion a year. And so you have to have business skills, executive leadership skills to be an effective lieutenant governor. Lieutenant governor is the number two person in the state. The lieutenant governor's job is important because if the governor's unable to fulfill his or her term, you become the number one person. You're one step away from running the state. I also believe the lieutenant governor's job is more important than ever today because of the many issues facing our state. The issues, the challenges facing our state are far too great for any one person. So I look forward to whoever our next governor is to be a partner with them and help tackle the state's problem. Now, Keith, while you were seeing your VP at Island Holdings, we had reconnected. And you actually introduced me to my local publisher that published my first book, Beyond the Lines. And I want to ask you, Keith, what are some things that stood out to you in my books? Well, I first want to say it was a privilege to be one of the first people to talk to you about this just, it was just an idea several years ago about writing a book. And I thought it was fantastic because who better to write a book about leadership and life skills than you because of the thousands of people you've reached through your high school coaching and the amazing success that you have. So I want to just say that, that it's been great to see how far you've grown, how far you've progressed. In terms of your books, what I like about them is because they teach leadership skills, they teach you about life, and it's through stories that are very translatable, very identifiable. It's real life experiences that you've had as a coach that produced state championships but also built character. It helped further your student athletes' careers. I mean, many of them are far beyond college. They're successful business people in their own right. They have families, and I'm sure you're very proud of all your former players and how well they've progressed beyond the tennis courts where they were successful as well. Totally, and you were there for so many years watching at first hand and really seeing those stories that I highlight in the books and you know those players. And Keith, I want to get into some details about you sharing some of your creative ideas and solutions to some of the important issues that we're dealing with in our state. And I'd like to first get your thoughts about affordable housing. Affordable housing or the lack thereof is far and away the biggest issue facing our state today. It's the biggest expense for most families. It's the cost of housing, whether you own or you rent. The median price of a home in Hawaii is now $1.1 million. And Rusty, I don't know many people that can afford $1.1 million. It's crazy, it's unsustainable. It's gone on for decades and I go back to why I'm running. We've had a succession of failed leadership. We keep electing the same people into office over and over again. We need to switch, change course, bring in new people to get the job done. I'm the only candidate in the Lieutenant Governor's Race that has a comprehensive housing for all plan. It's a very detailed plan that sets forth the ways to attack the 65,000 unit shortage that we currently have across the state in terms of the number of units we need to build to meet demand. First and foremost, we need to focus all future development on development for working families, not rich out-of-state speculators who don't even live here more than half the time throughout the year. So let's start with that. Let's also enforce the illegal vacation rental law. And there are thousands of illegal vacation rentals that are still out there that need to be restored to the inventory so that local people have a chance to rent and buy a home. We also need to build more infrastructure as government. The federal government has given our state billions of dollars in money in terms of pandemic-related relief, including for infrastructure. There are many areas on Oahu and even on the neighbor islands that are ripe for development, but we don't have the infrastructure. So government needs to build the sewers, the water lines, the utility lines so that our private developers can start building more housing for our families across the state. And Rusty, if we don't do this, I'm very passionate about this. I have a 21-year-old son. If we don't reduce the cost of housing soon, we're gonna lose an entire, our entire generation of younger people because they simply can't afford to meet here. And that's a shame, that's a tragedy, that's unacceptable. I'll also add that we're losing Kubuna to the mainland and elsewhere because they can't afford to make ends meet. As you know, Rusty, many of our seniors are on fixed incomes, they're retired. They can't make any more money. They can't generate more revenue, yet their costs keep going up, whether it's their rent or whether it's their utility bills or gas, food, et cetera, et cetera. And that's really disheartening as well that people who've grown up here their whole life look forward to retirement are now being forced to move elsewhere because they can't afford it. Another reason Kubuna tell me why they're moving out of the state in nearly the same amount as younger families is because they're the only ones here. Their children and grandchildren are having to move away.  They don't wanna leave Hawaii, but they also don't wanna be here alone. So affordable housing is far and away from the biggest issue we need to address. Now you're right, it's like a chain of reaction there and I totally agree with all of your points. And Keith, what are your ideas about how you would help and support small businesses? Well, it's a commitment from government to support small businesses. Perhaps no other segment of the business community suffered more during the pandemic than small businesses. And so we need to find ways to make it easier to run business. I hear from so many small business owners about the problems they have navigating through government bureaucracy, just to get up and operating, just to handle all the paperwork that they have to turn into government. We need to stop taxing our way out of any financial problems that we have because big businesses are better able to weather the storm of increased regulation and increased taxes. But every little expense that small businesses are hit with adds up and they simply can't sustain it. So government needs to be a better partner with small business and not a roadblock or an impediment. That's good points. And Keith, our state leaders, one of their biggest responsibilities is to provide safety for everyone in the state. And what are your ideas or solutions to reduce crimes and homelessness? Well, I've said this throughout the campaign trail. There's a lot of things that we can do. Number one, if public safety is one of our priorities, which I'm sure it is, we need to pay police officers more. They're leaving the state because they can't afford to make ends meet. I can think of no greater government service that we all depend on than public safety. So let's make sure that we pay our officers an appropriate amount so that they don't leave to work out of state and lower our police force, lower the amount of coverage that we have across the state in terms of a police presence. We also need to provide much, much more mental health treatment facilities, substance abuse treatment facilities. For decades, the state has neglected its obligation to provide a sufficient amount of services in that realm. We see the homeless out on the streets. It's clear they're not well. It's clear they suffer from mental illness and or substance abuse issues. We need to get them cleaned up and off the streets. It doesn't help them. And it certainly doesn't help us that they stay on the streets untreated. Yeah, you're totally right there, Keith. And Keith, in terms of COVID, we've all learned so many things through the last two and a half, almost three years now dealing with COVID. And what are your thoughts about mask mandates and shutdowns? Well, shutdown should be a last resort. I mean, we've all seen the economic impact of shutdowns. We've also seen just the impact on our mental health by not being allowed to go about freely like we have been before COVID. But having said that, I believe in trusting the science, following the science, I'm not a medical expert and listen to them. But it does seem that the severity of illness from COVID is going down and has been going down for a while now. And those who choose to, I urge, I recommend people to get vaccinated and get boosted if they're eligible for it. But government should be hesitant to impose the type of COVID lockdown restrictions that we had in the past. I believe that everyone should have freedom of choice. And so if you don't wanna wear a mask, you just be aware that you're running the risk of contracting COVID.  But I'm hesitant, as I said, Rusty, to go back to the previous lockdowns and I'm trusting that people will use their common sense and judgment moving forward. Keith, during the pandemic, what kind of drove me nuts and I'm talking to a lot of these small business owners is when, I think maybe it started with the federal government and then it kind of trickled down to the state governments where they would say, oh, only essential workers or essential businesses. Wouldn't you agree that every small business is essential because it's essential for that person and their family's survival? Of course, no question. And what I didn't like about the restrictions early on in the pandemic is the big box, mainland based grocery stores and retailers were allowed to operate, but the smaller mom and pops weren't. And if anything, it should be the other way around because the smaller mom and pops, the locally owned businesses, I mean, they're much more susceptible to economic downturns. These multi-billion dollar companies can far better weather the storm than our local mom and pops. And that's one thing I really didn't like about in terms of the disparity and how businesses were treated during the pandemic. Keith, I wanna ask you this about education. I mean, people have different thoughts about our education system, but I look at it in two ways. There's the education and then there's athletics. You, as the leader of our Hawaii High School Athletic Association, wouldn't you be able to really bring a lot of those same concepts over to the educational side to really make those necessary improvements from top to bottom? I think I could add value in the education portion of it. And for several years, for four years, I did serve on the board of education. So that helped broaden my resume, my knowledge, my network of contacts in the education field. And yes, I do believe that some of the principles that worked in running high school sports statewide can work in the education realm as well. Number one is more public-private partnerships. There's simply not enough money to fund athletics. And I learned that early on. And so I knew that I'd have to get money from other sources. And I knew that there were people in the private sector that believed in high school sports. Their kids played high school sports. They played high school sports. And so we got a lot of financial support from the private sector. We can apply those principles and concepts to the broader public education system. I really feel there's money out there from the private sector, but we have to assure them and prove to them that it'll be money well spent. And I think we can. There are large national foundations that have money. And so it's a matter of asking for that money to show them a plan to prove that it'll be well spent. And I think we can help our public schools tremendously. I also believe in as much decision-making being made on the local level. We do have a statewide public education system, the only one in the country, and certainly there's some benefits to economies of scale and uniformity of procedures. But Rusty, you know very well in sports in Hawaii, there's five leagues. There's the Oahu, Oa'e, the ILH, the public and private school leagues on Oahu, the Kauai Interscholastic Federation, the Maui Interscholastic League and the Big Island Interscholastic Federation. I cannot imagine high school sports falling under just one umbrella with ILH. It falls under the same rules as the KIF and the MIL. And they can't fathom that either. So there's something to be said about regionalizing education just like athletics is. I'm glad you brought that up because yeah, people don't understand how difficult it is to get all five leagues to really work together. And you really did that, Keith. So I was really impressed watching you during those years. And Keith, I wanna ask you, when you reflect back on your life so far, what's an important lesson you learn? I learned that you have to be passionate in whatever you do and you have to have perseverance. I mean, it applies to the sports realm as well. You know, Rusty, that you have to believe in what you're doing. You have to enjoy what you're doing and you have to keep fighting and never giving up. Just never give up.  And when you have losses, you learn from them, you pick yourself off the ground, dust yourself off and you keep moving forward. And that's something that I think has kind of gone by the wayside in terms of our government leadership that there's not this will, this desire, this passion to keep fighting for our working families. They're getting lost in the shuffle and that's why I'm running for Lieutenant Governor because I've spent my career fighting for those without a voice, fighting for the underdog. And I'm gonna bring those same values and passion to the office of Lieutenant Governor. Keith, I wanna ask you one more question before we wrap up. What gives you fulfillment? What gives me fulfillment is making our communities a better place, doing my part, seeing our younger generation in particular grow and develop and prosper. That's something I really enjoyed running high school sports. That's something that I wanna expand to a statewide level. It's making our communities a better place just like what you're trying to do as well, Rusty. That gives me a great sense of fulfillment and joy. And that's the passion that's behind my run for Lieutenant Governor.  And to be in the public eye like this, I mean, I know that you are very passionate to really try to improve our state. And Keith, you're a man of great character and I really wanna wish you the best of luck in this run for Lieutenant Governor. And thank you for taking time to be on the show today. Well, thanks again for having me, Rusty. You have a great show.  The communities across the state are lucky to have you. And all I can ask of your viewers is thank you for your time. Thank you for listening and I humbly ask for your vote and support come this primary election. Thank you, Keith. And thank you for watching Beyond the Lines on Think Tech, Hawaii. For more information, please visit rustycomory.com and my books are available on Amazon and Barnes & Noble. I hope that Keith and I will inspire you to create your own superior culture of excellence and to find your greatness and help others find theirs. Aloha. Thank you so much for watching Think Tech, Hawaii. If you like what we do, please like us and click the subscribe button on YouTube and the follow button on Vimeo. You can also follow us on Facebook, Instagram, Twitter and LinkedIn and donate to us at thinktechhawaii.com. Mahalo.


We are live alright if you can hear my voice clearly can you type V in the chair V stands for voice alright. I know that it's gonna be 10 seconds delay. Let me also blasted to my Telegram alright as well as everybody so that you guys can get notified starts now Okay now okay, so I'm just going to make sure everybody is aware That we are starting now because tonight we are inviting a very special guest that Who a celebrated his portfolio growth from 200k to more than a million dollar in a short seven months time So there's a lot of wisdom that this brilliant investor is going to share with you So make sure alright stay tuned right now. I'm just gonna invite him to come up right now Okay, I'm just going to blast it to everybody so that you guys can get started right now Okay, so let me know if you can hear my voice if you can yes can be victory. Hi. Hi Raj Hello, Cal. All right fantastic now Let's get started. Hi Calvin good to see every single one of you if you enable string Yeah, yes, then we can able to see your name as well So without further ado, I believe everybody can hear my voice already And I think you guys are also excited to learn from this amazing investor And if you're excited to learn, can you type hardy in the chat? All right, because tonight we are inviting hardy to come out if you're excited, please type hardy and let's welcome Hardy Alright Hello, I think people are also very excited. So many of you are typing like the same investor typing. Hello, Hardy Okay, Kevin say hi All right, in fact, Hardy is a very good friend of Sean, right? Like you guys knew each other since since when like secondary school what? We were actually a university mates actually were course mates. I See Remember we have the same When the same project group and we had this competition and and we won So that was my only Like I think like, you know, we were we are We majored in economics, but the economy is something that I would advise everybody to major in but you know, having said that I it was a I can't remember which module. I know we were in charge of a company and we were trying to you know Whoever sold the most would probably in the Project and I remember we won that was my only project We're good memories And I really I like I think like when I know personally Sean and Hardy I think both of them are very successful in their own way as well be it investors or be it in their Entrepreneurship business owner and I realize both of them have common attributes characteristics like always testing and learning very often minded Very humble and eager to learn and that's why tonight. All right, honey is going to share with us a lot of his own lessons All right, his own experience and if you guys are excited to learn can you type learn in the chat? All right, I can see so many people are saying Venus is saying hi Chloe Hi, how do you go to see every single one of you? All right. So without further ado Okay, maybe I can get Hardy to start to share a little bit more about his investing journey first because I know how they like Like in the past you have like you didn't start investing only until the recent few years, right? When did you get started and and what actually inspired you to get started in this journey? So, you know Anyway, thanks for the very nice introduction. I don't know if I'm successful, but I think you know on the way I've been still curious still curious about this whole investing game and I'm still Still on the way there. So, um, you know, just just if you ask me for a quick summary How did I get stuck in the investing right? I forgot to admit I was actually forced into investing Okay, all along I've always felt that Yes, uh, I've always felt that you know to be to be financially free You always have to own a business, right? You have to like like if you open Forbes, right? The top 10 or top 50 or top 100 most probably business owners. Um, except you're probably gonna see Warren Buffett there. So, um I got started investing in May 2020 and I cannot forget the date because Um, my wife actually bought the investing course as a birthday present for me And uh for for you know for for all the gentlemen out there You know when when your partner your you know mrs. Bice for you a birthday present You have no choice but to use it, right? So I guess my solution was uh I want to continue sleeping on my bed. I don't want to sleep outside I don't choice but to you know, um Take the course apply whatever I learned and hopefully became better and um, yeah, I enjoy it and um, it's been a period of uh Uh, it's been a period of constant learning and um, I really enjoyed the whole process I like I didn't know I could enjoy it so much and um I would say I'm a little bit obsessed right now But but what have you actually after this, you know, like after your wife bought you the birthday present Did you actually ask her what made you actually want to buy me this present for for my birthday? I think she wanted a bigger present Okay I think she she bought this present for me to get a bigger present for her Because from your investing income that she knows that you are you are you are going to get her a bigger present Is that is that is that it? I don't know. I think so but uh, you know having said that um I will like, you know, this this is probably like the best present I've I've I've received like uh, I Show hope should should have received it earlier, but you know, never too late Yeah, and that's that's really how I got into investing when like I'll say so that uh, you can make more money for her So like when you first got that present from your wife, right? Like were you skeptical about investing actually before you started your journey in like two years ago? Were you skeptical about it? Yeah, actually all along. I'm very skeptical about investing. In fact, in fact, right? um I was the one who asked her she asked me to go investing. I said I don't want to why don't I buy it for you So the joke is I pushed her to attend Sean's classes in you know last time But I realized that um, she's she's been trying to push for me and um Yeah, um, I still remember when she bought me the game. I said what what did you just do but It was it was the first of uh, you know two years two years of investing and it's it's been a really really good journey Wow Okay, maybe we can share a little bit more about your journey then right like since the past two years How has the journey been like for you? Uh, I would say mostly up sometimes down Um, probably has been down, you know, like like there's no There's no smooth path to success It's been up and down but um overall it's up And um, it's just a start, you know, it's just a start like like I could envision like like how much more capital I could grow how much uh How interesting this game is and um, it's only two years like I hope it's going to be a very very long one Um, yeah, I mean like like like actually you have been sharing with us right to the community as well Like investing is like a live skill. It's a lifelong journey as well Right. So for the past two years like when you first get started investing, right? What was the experience like um, because your portfolio really accelerated a lot, right? Especially doing the covid v-ship recovery Uh, what did you do back then that that helped you to to achieve the kind of return that you get? I I you know, I remember I I still remember my first treat uh feeling. It's um It was a feeling of exhilaration because it's your own money, you know your own money there and um It wasn't really the first time, you know along the way like I was investing here and there but Whether it's following people or you know, if you're buying a stock at $1 it was very cheap But you know on hindsight, I realized it was just pure pure gambling overpaying the odds um May 2020 and specifically it was the second May 2020. I can't forget the date um Uh, I was very lucky because my first treat was during the the the cost the where my cost And um, you know, I had a pair of steady hands, you know, the the mentors who guided me Um butterflies in the stomach, you know, if you go into the brokerage, there was so many buttons You don't even know where to start Yeah Yeah, I was quite thankful. I had people to guide me and uh Yeah, uh, my my first two trades was actually uh bad, but Why it's been it's been it's been more good than bad. Nah thereafter I see, okay So the first time that you initiated your trade was actually together with omi. Is it during a live trade? Always was after that Um, it was very omi and then after that, you know, I tried to be a little bit too smart and then into my own trade Okay, like you know, like all Retail new investors. I'm sure everybody went through that stage Uh, I see I see so like like the the the journey of um, like using options, right?  So what were some of the difficulties that you faced? Uh, during your investment journey Of You know It took me about three to four months before I kind of realized what this whole game is about whether it's stocks or there's options And especially if you're going to options, right, which is um Which is a leverage derivatives, right in in essence Oh, there was a lot of things to take, you know, you know, like from percentile at the money in the money out of money Um, you know, uh, well, we'll give a good trade Um, um, you know days required So that was a lot of things. Um, I was glad I I learned at omi and I I continue to invest further to be part of the program And I learned even more there was a lot I mean There was that there was definitely a lot of difficulties, but um, you know, um, it was this constant learning constant curiosity. Um Like I overcame, you know, each difficulty is one by one and um along the way I realized, um The kind of character that I am Um, how I want to structure my, uh portfolio How I want to structure my portfolio location to to to how many percent option how many percent stocks and um I refine, you know, the the the the execution along the way Yeah It's not something that is like within three days that that you can you can cultivate everything Right, it's definitely a journey that even to today you are still learning and improving, right?  If let's say you don't know a subject Would you copy the guy that has good grades or you copy the guy that that has no History of getting good grades I'll be the guy that, you know, like, yeah Yeah, so, um So I've realized that, um Um, I was just trying to learn from the guys that was already there Who who showcase, you know, a history of success and You know, just just kind of follow And um, when I have questions, I just ask and yeah along the way uh It's positive Yeah, and you kind of like really leverage on the wisdom of the the giants or people who have Track record and that's why that's how you like I remember you said this before like the best mistakes As you learn from other people's mistakes, right? Then you go and making the mistakes themselves ideally, right? Yeah, you know Buffett says like, um I don't remember as a buffer of manga. I actually think it's manga manga say that Hang out with people better than you, you can't help but to be better And if you go and understand, uh, the fact that they are good or they are there They definitely made a lot of mistakes on the way there So, uh, it's it's it's cheaper to learn from their mistakes. Uh, rather than you making the mistakes yourself and, um, You know, as long as you don't lose money as long as you don't make more mistakes You will inevitably, you know rise up as well Hmm exactly and some people some some audience is also asking, right? May I know how much did your initial capital begin with? When you first started your options investing journey Oh, I I I was very thankful, you know, I was very uh, I won't say blessed. Um at that point, you know at May 2020 I was I was given, you know some inheritance. I've got about 200,000. Um I actually didn't know how to put it. I will I learned this new skill. I figured that, you know Um Putting your own money having skin in the game You probably would learn faster and I didn't want to lose that money, you know at the end of day It's inheritance. So um, I just learned from the best I did a wrist on move put my money in and I put in 200,000 along the way, um as the as the capital increase as my As my confidence as my conviction, you know, this as a as a As a strategy helps me to to grow my retirement money Uh, whenever I have extra cash flow, I I I just put it in Yeah, and and you know, I've I've always been saying that Even my daughter doesn't even have a bank account. She only have a brokerage account. Yeah This is the level of confidence that I have at the market. Yeah Like let's if talking about conviction, right? I I I think keo also asked a very good questions like like what give you the conviction To because you've been through the kovit, which is a very scary Uh drop and then followed by of course a very quick recovery as well But then back then nobody will ever expect that the recovery can be so fast, right? But what gave you the conviction to invest or even hold on or even invest more? When the odds are against you So this is something that I've I've learned along the way and I reflected and it's it's really what's being shared by buffered in all his letters He you know, he he always says that You know, you you see, uh We learn the most when we make our own mistakes because we've experienced it, you know what I'm saying And my experience on on on my mistakes is that actually a lot of times last time when I entered into a particular position I don't have conviction when I only hear say well, let's say Somebody say something like that. Let's say it's uh amazon. Let's say, okay When I went by and I've made this mistake myself. I remember it was uh, it was a stop that um Pete recommended it was data doc. I remember it very clearly. I went in 100 fell to 80 I sold it then 80 became I think it was 150 or 170 or something So I I realized that a lot of people actually Fire too easily and then after that when thing goes south You get really scared because you have no basis one. A lot of people just copy trace. There's no basis I've realized that um You know, ideally right you should do your research Be so convicted before you go in and actually when the thing goes down after right You should buy more You you you be very convinced convicted first But then because after that if it goes down, right Is it you you should be confident of buying more and that's really the essence on how I I've realized The greatest investors, right? That's that's around us. They they do that Uh, unfortunately, I think the market is just easily fired then things go south They think the the whole company is going to be in trouble and it's actually not like that So the the conviction is really the research and um, I I tend to buy a lesser right now If I'm not committed, I rather not go in Yeah, so it's like, okay So it's it's really boils down to your own conviction by your own research, right? It's not hearsay because a lot of times you can people can say something But then you can never have their conviction and that's why it's so important that we develop our own conviction by Studying the company really doing deep dive research And if the market actually drops some more nobody can predict it, right? Like if you buy and then the stock price drops further, it's actually very possible But then you should ask yourself Why hey actually isn't it an even better time right now if you're convicted about the company And of course you do proper position sizing and that's how you even add even more traits Right or not more positions when the market gives you the opportunities, right? Yeah, yeah, you know people research, you know To buy handphone or to buy a fridge or to buy a tv You research so much but but on stocks, I don't know Like you listen the the bus drive. I don't know That's very true, right? Yeah, to buy a thousand dollar handphone, you will compare this pair and that pair You know compare different handphone But when when it comes to investing our own money easily more than a thousand dollars sometimes people just don't do the necessary Search I think that's uh, that's very important You guys if you understand the importance of doing your own homework doing your own research Can everybody type research in the chat? All right, and in the meantime, all right People are also asking like since you accelerated your portfolio so much. What strategies are do you deploy the most? Oh, I love long calls. Yeah, exactly. It's uh, but what I um, because um, if you Of course, it's it's very situational dependent But um, I'm I'm heavier on options than and stocks But you've got to understand we are with with that allocation You've got to brace yourself for volatility. So it's it's going to move quite a lot and um Options in a way requires less Especially buying long calls. It requires lesser capital.  So that's why the percentage is always higher um, and for me, I'm I'm I'm it varies but it's it's um, I would say, um Uh 30 stocks and 70 options. I'm I'm heavy options So right now it's still Of approach like 70 options. It's about 30 percent stocks. Is that right? Uh, yes, but but I I also want to clarify, right? Um like, uh, I To me when I at the end of the day, right, you you've got to figure out what's your goal Okay, then there's you can see this as a strategy, but you're going to see your goal. So my goal is um I've hit I've hit 40 slide my age now. I start with your fall Okay, and I've realized that the Asian male in Singapore Your life said you you probably died by the age of about 85 So I'm live about 45 years and I know I'm going to be Hopefully uh productive for the next 30 years. I know I have excess cash flow So I'm okay with volatility because as long as um, I've time on my side. I've excess cash flow Highly likely I wouldn't go to zero Yeah, so so like what Hardy said you have to really understand yourself, right? What is your needs? What is your risk appetite? What's your portfolio objective? As well as your financial situation so that you can really have a portfolio planning that is suitable for you It's all about suitability. Is that what you mean? Yeah, you've got to understand yourself like like like I could say I'm 30 70 Some others is 70 30. There's no right or wrong At the end of the day, you've got to understand yourself. You've understand. Well, what do you need for? Well, what's this whole game about? At the end of the day, so investing is a game Um, you only win the game you've understand yourself Awareness and and I think it's another very good question from the audience as well, right? Like for example, Mr. Wong want to ask like Uh, what is the single huge loss in your investment journey since 2020? Or maybe you can talk about maybe to you. What's the gravest mistake? Uh, you made uh, since you started your investment journey Uh, okay. Just if it's crispy to answer this this mr. Wong here, right? Um, well, I've lost 70 80 percent on particular treats Okay, um, but at the end of the day, you've got to understand in investing, right? Let's see when you put in let's say 10,000. Okay, your maximum downside is 10,000 Assuming you're not leveraged, uh, but your upside, uh, it's can be 20,000 30,000 40,000 50,000 So we've got to say the the the way investing works is the the the reward is asymmetric Assuming you don't use leverage. Okay, so, um Even if you have a portfolio, right and and john tamplin says this, right? Even if you're only right 60 of the time your your returns is huge Actually, we see buffered, right? If you if you put all his investments side by side His winning rate is maybe 50 50 But the 50 that he wins it goes to the moon And the 50 that he lost it goes to zero. He doesn't owe more than the amount that he puts in So, uh, yeah, I've lost quite a bit here and there but But the ones that net me returns it really gives me my my my huge returns And just to answer like your question, um Chloe Like I think I've made a lot of mistakes whether it's ego greed formal Not not open to ideas. I've made a lot of them. So, uh, I'm in the process of I'm eliminating them one by one and um, I think amongst all, uh I I'd say the one that I succeeded the most is, uh, I've I've decided to to to to really eliminate envy because manga say envy is really the The the stupidest of all the scenes and and it's not fun at all and I've realized that Investing is a game against yourself. It's like golf So, uh, you want to hit your own goal, you know, whatever you want to achieve and um, if you hit the The stage that or the goal that you hit then then I think it's a it's a game that you you won Wow guys, are you I do you guys feel that there's so much wisdom behind what honey is sharing If you feel that it's useful for you so far k type useful in the chat, let us know, right? How's the how's the how's the sharing so far and and I think like what you say is totally true Like like investing is your own game that you don't compete with other people There's no point that you think that wow this person achieved a few hundred percent His trade a few hundred percent in his return on portfolio That doesn't make you a bad investor, right? It's all always about learning Improving every single day just like what munger say every day we can compound and improve by one percent One year down the road like you are going to improve so much, right? As an investor and and and as you can see hardly is a very humble person Like he also have a lot of self-awareness like he understands that he made mistakes What kind of a downfall or maybe Like greed whatsoever that he has and he admitted and most importantly he Want to Eliminate it and work on it, right? So so if the share have been useful for you guys so far Please help to share out this as well so that you know, you never know You can just inspire another person to really have cultivated the right mindset towards investing and really on the right track So help help us to share out this as well. Thank you. All right. My next question to you is then it's like because you have Like you have really pivoted a lot, right as an investor your mindset and everything What caused that shift, you know, like because you know investing cultivating that mindset the stability is not something that That do it instantly, right? What caused that shift? gradually over time was any single turning point or or or any event Um, I would say, you know, my greatest thanks is uh, first I got started when my wife pushed me. I got started and I've learned a lot from in the mentors here whether it's um Um, the shot wasn't much there but there was Pete. I learned a lot like like what I was like, wow I didn't know this game existed and it was a game that I really like and along the way, uh, I kept on reading and um, increasingly of course everybody, uh You know in in invariably you will go to the best investor in the world, which is uh buffered But actually for me, right personally between buffered and manga I find manga the the the more superior between the both But unfortunately, right? I can't understand manga Like like I really don't understand Charlie manga, but thankfully, uh, there's this Indian guy Who really loves him and talks a lot And I learned tremendously from the gentleman called Monish Pabrai and uh, I I I read his book. I watched his youtube I devoured everything on him. So, uh It it it shaped my mindset and uh increasingly I find that um Um, I realized that you know, what you do in life affects what you do in investing and and you know, the success is really, uh together with each other and um I've I've I've I've learned to apply um Not to make mistakes in life and uh applying uh long term thinking and that really That really solves a lot of problems that uh, that give me a lot of perspective to solve problems that I have Hmm, it's always about constantly learning and improving and then uh, one of the person that you learn a lot Uh, even though you have not met him personally, but then the truth reading So like like what kind of habits do you think that you know, you have that have helped you to become A great investor or better investor within A short period of time like how how much do you read every day or what kind of habits do you have? Well, okay first and foremost, I do think I'm a great investor because I I learned this from uh Tom Gaynor, which is from Markel, right? I think his mentor said that you know success in this game, uh Is 30 years later You realize you're still in the game. It's only two years in the game. So I wouldn't say I'm I'm great. I would say um, I mean, I'm uh Trying to improve investor Um, I I realized that um the the greatest habit the greatest minds in this world. They did all of them read a lot They just read a lot And if you think about reading, um Like Charlie manga always says you're basically hanging out With the eminence, you know, the people who's already did they write on their their biographies You go and learn from them And uh, I've I've learned so much like um Yeah, you know, there were certain ideas that I thought was like great, but I realized what's the point, you know, um that kind of stuff, um uh I I I I I read a lot. I when I started the day I read before I sleep I read my wife sometimes complains I read too much. I read until now. I need to wear glasses uh All these habits become a discipline And um, maybe it's it's the discipline is the one that that eventually creates a success Yeah, it's about the discipline and then I think it's always also about cultivating that identity That uh, you are a long-term investor. I'm a long-term investor. I'm a reader that that makes you to to really have more I think pro like much faster progress, right? What do you think is that the sense of identity?  Manga will tell you his mistake.  I just listen to them whoever whoever is Whether it's um Manga I I I can't listen to manga. I don't understand him. So yeah, you Howard monks.  So just now there was an audience asking about the the investor that Hadi is constantly learning from right It's uh, Manish Pobrai. You can google him. You can watch his youtube as well where you can learn his wisdom All right, so constantly surround so you can see that Hadi constantly surround himself even Give him his free time on his jogging He's also keep on learning all the time feeding his mind with wisdom with from investors who are Very successful who are better than him and so that he can also continue to improve, right? Yeah, so for yourself, right like uh Like let's talk about this year, right? Because we know that this year the volatility has been really great No, that is like officially entering a bear market has your approach Shifted, you know since since 2020 to now How has how what kind of strategies are you currently using in this context in this market condition? I mean the the the concept doesn't change. It's all about good business You cannot overpay. So you've got to find a good price and then hopefully you have cash flow to keep on buying That's that's the that's that's that's a strategy the system or framework as you call it Um, if you're talking about volatility, right? In fact, I would argue right Without volatility, you're not going to make a lot of money in the market because everything will price perfection In fact with volatility that gives you the chance to earn more in the market It's like it's like When especially when you know the the market is a very option driven market It oscillates between maximum optimism and maximum pessimism Okay, right now. We are probably Like if I hear Pete, maybe we're we're close to maximum pessimism, maybe not max yet, but very close already and in terms of maximum pessimism is the kind of time where where Buffett always say you're basically trying to shoot a fish in a gun barrel. So you cannot miss what he's trying to say The fish is in a very freaking shooting and then you're going to hit it, you know, so um Volatility is part and parcel of the game drawdowns is part and parcel of the game And your greatest success is only during when it's periods of volatile That you really get the greatest returns and if if if you are if you're scared of volatility well, um you You need to get on a habit of embracing it. Um for those who's really embraced it and um We should the best of it. It's it's really the best of time stuff Yeah, exactly and and just like what hardy said, right if you invest And continue to invest and in fact if you can Use more to invest during a volatile time That's where when the when the market recovers your portfolio is going to have tremendous and much accelerated return because millionaires are Created especially during crisis and in fact hardy. He turned his 200k portfolio into a million dollar Also because he sees the opportunities given by kovat During the the crash In 2020, right? So so for yourself, right? Like maybe you can share with us a little bit more about like, um Because your your portfolio accelerated a lot during the kovat crisis, right? Um What What have you been doing since then or even in this current market condition right now? Uh, are you adding more like like are you still using strategy? You know buy call long call strategy x even doing this volatile pure time um Well, actually typically during every falls, right? Um, of course my portfolio will go read every night goes rate I I tend to to kind of withdraw myself from the market and I I tend to even read even more and um increasingly I've realized that Great businesses is really not a lot Actually in this world there's so many great businesses And we're talking about the businesses that's built to last is it's not a lot so For me I I just look around just trying to really reverse engineer, you know Like why buffered buy this why manga buy this and what was really the top process And uh, I'm just in the hunt of great businesses. I I just want to invest in in them.  It's still growing. It's it's the stock is just going to go up. So um I'm I'm buying stocks on really great businesses And um, and especially when I realize it's a great business And when the chance arise right for you to really earn You have to be convicted. You cannot just put like two percent. You know two percent times two is only four percent, you know So you gotta be you gotta be convicted and you gotta be willing to Do Ideally what they call swing for the fences, you know, you gotta be willing to put your cash down when it goes up Then it goes up. Okay um Yeah, and of course increasing I also realized, you know, uh, cool. You shared your your, uh Sean shares it as barra kappa You share it as a it's a japanese word Yeah, yeah Hi uh I I'm I'm so convinced on the method. I actually devoted like close to 30 40 percent of my portfolio on on that method And I'm quite convinced that with time There's no way but up for that. So um, but for those of you, you better do your own conviction For me, generally, once I'm convicted, I I I I swing for the fences. I I don't hold cash Yeah, in fact, I think that's also, uh, the way that buffer invests as well, right? Manga that's also invest this way like once they see this as opportunity And the price dropped to a very decent level. They really go big. Okay, because that's how they can They can really make substantial return, right? Like just I want hardy say if it's just a 2 percent of your portfolio, if you make 100 percent, that's That's like just another, you know, that's only make out another 4 percent, right? Which which doesn't give you that kind of substantial return that you're looking at So talking about portfolio sizing, right? Like jv is also asking, right? How many stocks? Do you currently have in your portfolio, right? Do you diversify it into different sectors?  Concentration drives wealth and diversification maintains wealth And um in the words of Charlie Munger, actually you don't need more than four to to diversify your portfolio But having said this, I think you got to make sure that you are you're kind of trained and make sure you have some kind of experience For me, honestly, I've been on a on a on a journey to try to Have lesser stocks in my portfolio because I really realized that great businesses, there's not many Great businesses with considerable mode, good management, ability to reinvest their free cash flow Not a lot in this world I'm in a hunt for them and um So far I found here and there Hopefully they grow But the key thing that I realized is a lot of people don't um, I would say, you know, I've interacted with quite a fair bit of investors I release people I've viewed their portfolio in too short a time So let's say I've really invested in in in amazon, right, which to me Is uh, it's a it's a it's a apex company, right? Um amazon for the past year didn't do much If you go to understand when when the wind come up when everybody's psychic optimistic at amazon It may fly may fly So, um, you you really reduce a lot of risk By lengthening your your your timeline if you're only looking at one month three months six months god knows what will happen But if you are able to lengthen, um, your your risk gets substantially reduced, but you must know what you're doing So once we only have like Six to seven stocks. Um, I'm probably gonna be looking with unless I find a real good one. I'm probably sticking with six to seven and um Second part I did diversified Well, you know, if you buy amazon, right, you're literally buying a conglomerate, you know It's like they've got Yeah, the they're um, they're advertising revenue is um bigger than youtube They're literally the the information highway of the internet E-commerce. They're probably the world's largest They're the biggest, um Logistics company in the u.s. They're the bigger than um They're bigger than fedex and ups. They're only smaller than usb s which is the u.s. Sympos. So Um, I would argue it's it's diversified. It's like kind of buying berkshire The program like what yes, I don't know how many stocks 100 stocks Yeah, a lot. I think I think berkshire there's a lot. I don't know how many companies Private private plus public public. It's about 50 then private. They own a lot of businesses Yeah, so, uh, I really I you know at the end of the day um Well, I'm investing to give my my my girl. So, uh, like I view it across 40 years So I have a lot of time to spare. So I'm I'm not in rush Wow, so guys, you can see that in terms of the investing horizon or the time frame that hardly looking at it's not just One year two years not even five years 10 years. It's in fact like 40 years, right? Like I so that's why long-term thinking is so It it gives you that piece of mind and especially because you are long-term thinking you are more selective in the kind of businesses that That you will invest because you know that a the moment I make this decision I really want it to to make sure that this has the mode that can last Not just in five years 10 years, but in decades to come, right? So can everybody type long term in the chat so Talking about you know investing as a skill set, right? Um, what kind of Once you you know have this ability to invest for yourself, right and compound your wealth What what can it give you like what what has it given you so far? Yeah, why is this skill set so important to you? You know, I I realized right um, I've I've never had the The knowledge to grow my capital until 2020 All along I thought that to grow rich is really your own time But if you think about it, right?  It's time Actually, when you get more money, you're able to outsource. That's where you get time So to me, this is the game where the reward is time it's really time and um Covid has really changed my mindset. I realized that you only want to spend time with people that you want to spend time with So I think the reward of this game is really time and um to really answer that is um understanding investing has Give me a realization that um, if I win in this game, I get time and do I one time? Hell, yeah one time. I want to buy more time Chloe. I I want to you know, I want to snowboard every year. I want to travel every every few months and um, you know along the way you you've got to work this brain out. So um, yeah, you know, you constantly improve yourself and um, Hopefully you get you get time at the end of the day. Yeah And and I think like what just I want hardy say, right? It's about that time, right? And and I think since since talking about time People are also very curious like if you are a full time investor, right? Like do you do devote?  Right since it researched this process so important Okay, I I'm not a full time. In fact, I'm very part time and I I don't spend much time in the market. I'm actually very lazy Okay, uh, I'm not full time. I realized that the moment you put full time in this in this venture Emotions will drive you So I realized that I don't want to be full time.  You'll have excess cash flow I'm always trying to find excess cash flow to pump in back into the market so, um For the first six months, um, I was quite thankful. That was the height of kovit. I mean timothy. I I had so much time I was just reading and watching youtube of of the guys that is proven. I I realized in there's so much noise in the market I tell you this thing but, um, you know Like in school, you only want to copy the a student right in investing the logic is the same You copy the a investors And you cannot go wrong and I after seeing all the a investors are I realized all of them follows Warren Buffett That don't need to I realized why x was a lot of people like to x mark. They think that they can Find a loophole in the market or come up with your own strategy You know, this is this is this is Buffett and manga, right? You know who's been around for 80 plus years They've showcased that this is the way to get results And uh, who am I to say that their method is not optimal. So for me Just damn shameless. I left my ego at the door. I don't want to copy everything they do So, uh, for the like, you know, I just read, you know, in fact, my favorite book is child manga's book actually. So Yeah, I I just I just read and read and watch youtube And hopefully if you guys do the same, I really hope that you you get the same insights that that that I did For a start Let's go to youtube monish Babrai. He probably have like 50 videos. You devour everything I'm sure your knowledge is on the level of Hmm, I see. Wow. Apart from a monish Babrai's youtube channel, right? I think some people are also very curious about like what kind of books do you actually recommend Uh, for beginner investors as well Oh I don't know if Manga's book the one that you talk about the one like your favorite book as well I you know, um Strangely Buffett has never written a book But um, if if you if you follow manga, right? And that that's probably one of my favorite books is it's actually poor charlie's almanac It's a it's a book based on his, uh, I think it was 2006 usc commencement speech Um, um, it's basically he's weed and wisdom throughout the years I've got to understand Buffett calls manga the best 30 second mind in the world So he has a lot of things that you can learn from Um, and and he he loves correcting mental models, which is um He he he he figures what what will fail and he doesn't want to go there. So I like, uh, She shouldn't go through like I like poor charlie's almanac Monish Babrai as a dando investor um, I Definitely Berkshire's investment letters. They'll teach you how to be a better human being and if you become a better human being It invariably Yeah, that's true And um, I I I like um richer wiser happier. I think it's something that that I think is such an easy read um, um I like, um, I would say the other one that that really changed my perspective of investing is uh, um, there's this there's these two guys out of england Monish Babrai calls them also a very brilliant guy, uh, nick slip and key zakeria They ran the nomad investment partners. Uh, there was the nomad investment partners letters You could google it online. It's available Well, it's beautiful it it it showcased their whole entire evolution And that's when I realized that actually in investing the lesser you do the better All you need to do is you need to figure out, uh, what are the really great companies with long shelf life And um, very hard. It's it's very hard not to succeed. It's very very hard not to succeed in this game Wow and you can And and and in fact some of the books are like like annual Uh, shareholder letters that actually continue, right? It doesn't just end there and you can see that hardly really devote a lot of time reading And if you are asking how much time like I don't think there's a quantity in terms of like you count Or I spend two hours a day It's more about the cultivation of the habits that you continue to read continue to improve and learn Uh, when whenever you you have time and whenever you you you you actually have that free pockets of time Right that that hardly is already all also learning all the time. And that's how you think yeah I I think Raj put it there. I think if you want a book easy book to read richer wiser happier poor charlie's almanac is very Uh, dry I think sometimes mongers mongers wisdom is it's it's not something very easy to to to grass in like immediately. Yeah But it's definitely something that is worth worth a devouring time on. All right. So, uh, richer wiser happier. Wow. Thanks Thanks Raj for uh for for typing it out for me as well. Okay So, uh, in the meantime, like if we go back to the topic of time, right if you can turn back time Maybe just 10 years ago. Um, what would you tell yourself to do and not to do? I guess I should have married earlier I would say lesser potting.  Yeah, that's why he said Yeah, maybe I you know, well, maybe if I met my wife earlier, she would have bought it earlier then I can compound earlier You know, it's my goal to pass the knowledge to my little girl and it's it's really, you know, it's really, um Uh It's it's it's really difficult to diaper As as as hard as I can say is is is very difficult if you really understand the basic Mets of compounding you will really understand it's very difficult to diaper All you need is to start slow and steady compound Yeah, he will invariably, you know, uh, get rich, you know, for example, Chloe, I don't ask you Do you know how many founders of Berkshire there are? You know the founding part of Berkshire. Do you know how many are there? No It's not only charlain. It's not only manga and buffered though. There's a third guy The third guy is called rick gawarin. There's a third guy. Okay, okay Rick gawarin is as smart as them um There's a reason why you're not hearing rick gawarin right now rick just just passed away. I think last year or maybe this year or something Okay, the reason the reason why you don't hear rick is um rick was as smart as uh buffered and manga himself Okay, but the problem rick was that he was uh, he knew how to win in the market But he went on a lot of leverage. So this is the not too new piece. Okay and because of he was very leveraged um in 1974, I think um He had to sell the hs to buffered. That's why buffered is way richer than Way wealthier than um than manga's portion. Okay. He sold the hs in 1973 for if I'm not wrong, it's about $40 Oh my god If I have any advice for anybody out there, right, it's actually this at that time um Pabrai asked buffered. Why don't anybody talk about rick? So this is buffered answer charlie and I always knew that we were going to be extremely wealthy But we weren't in a hurry Rick was in a hurry Okay, so the the the answer to that is never ever get down to leverage Just like any company they only die with that human beings. We die with them Never do that. This is rick sold the $40 shares, which is I don't know what's the latest for it $100,000 so um Yeah, this this this is the one so this is tattooed in my head. Okay There's there's no need to be in a hurry if you really understand compounding and I've like 40 years I just slow and steady, you know You you you'll be better than 90 90 percent of society Oh, okay. Can everybody type invest within our means. Okay means like you do not leverage You only invest what you have right and there's also very important that you need to set aside You know bring it in funds as well. You should only invest in the cash that You are not going to touch for the long term. Okay, and that's what what's what hardly mean, right? Like like that's the reason why he can also invest with the long term horizon because you know that he doesn't need that kind of cash Uh in in a short term, right? So invest within our means very good, right? And in fact, uh, Stephanie is asking oh the hardly joined the mentoring program. In fact, yeah Hardly joined and in fact right now because you can see that within the past two years He really learned and grow so much as an investor right now We even invite him to be part of the mentorship team, right? Like like he's one of our mentors right and and and if you are Inside the the mentorship you get if you want to really learn more from hardy You can directly actually book the one-hour coaching call with hardy himself as well Wow really amazing and and okay, so Uh before we end this right like maybe we can ask hardy for three piece of advice, right that you can give to Investors who are on this journey How to improve better? Yeah Hmm tree Oh you if you want to reduce into a more concise form also can yeah um I Hey, maybe you could find three. I I think the first key piece is I really learned this from uh, People think in the market you need high risk high reward. It's actually it's a myth.  The key thing that you want is actually lory's high reward And it exists it exists in the market It's the only reason all this um I wouldn't say it's the only reason but it's it's it's you know one of the key reasons why these guys can Really make a lot of money Lory's high reward a bird in hand is better than two in a bush Uh, always go for the lory's high reward kind of these metric rewards that you can get That will serve you very well because you cover your downside Second, um Don't need to reinvent the wheel don't need to act too smart throw your ego out the door learn from the best And just copy the hell of them and the best guys You just type top investors of the world You know, if you if you really realize actually the top investors they're very very, um They're very generous with their time You see so many videos of paparazzi so many so many actually, you know, if we can I would love to meet him I haven't had the chance Hopefully I can meet him next year at the at the at the Berkshire meeting. That's that's my goal And uh, yeah, just learn from the best and copy. I don't go wrong. What's that? What's that to be wrong?  It's not in the buying and selling. It's it's really in the waiting Okay, a lot of people think that you know, um more action equals to more returns And that's exactly why I put it. I don't want to be a full time actually The lesser time you spend as long as your your your you do your your homework you do your hard work, um You will get a low risk high return asymmetric reward kind of opportunity and of course when that opportunity comes You you gotta have bullets of fire Exactly If you're able to do that, you you you'll get the returns that you deserve Yeah, yeah, I just like like I think what hardly mean by low risk high reward is like understanding the company Studying it researching it and really knowing what is a good price to buy and when the market gives you the price That's when you need to really start firing Is that what you mean? Yes, it's like it's like it's like now, you know Actually, it's like now now it's like There's so much money in the market. Of course, you know All these interests and everything actually at the end of the day, right? It really doesn't matter, you know Ukraine can be you know having war with russia Look at my friends are holidaying around the world. Actually, it doesn't matter at the end of the day human beings. We've got habits We've got characters We're just still going to continue our habits. So, um good companies are there to stay And hopefully you buy good companies over the long run. You cannot you cannot help la but be extremely wealthy Assuming it's a good business Exactly, right? So if if people Say this, you know, like a Facebook user say don't know where to start scared to lose money. Um What's your advice for that? You got to find a steady hand Okay, when you find a steady hand You you you got to find whoever is already success. It's the same. It's it's the same in in In your schooling days, you only want to copy the a student, right? Like you you scare you'll fail the paper when you want to copy you'll copy the a student so you got to find the The guys who've already succeeded Because then there's a framework to succeed ma But there's so many, you know, like there's so many what this guy say this strategy that guy say that strategy You know, I I've realized and there's reason why long term, you know, if you take a look at Forbes, right? Very simple Take a look at Forbes, ah You take a look at the top 10 riches I guarantee you they've they've had their company for like 30 years So this guy's wasn't there since the first day not the second year Not the third year. It's it's across like if you talk about amazon is like 25 to 30 years you talk about tesla. He started in 06 maybe so it's been around 15 years So you got you got to give time you got to give time. It's the same like habits the same like knowledge The same like your relationship. Everything is compounded through time That's true. Wow, and that's what in fact, this is one of monger's wisdom as well it's always about Compounding and you need to give time and just give that patience, right? And and if currently is asking oh any replay for tonight? Oh, yeah, in fact, it is like actually right now We are streaming right now and later on the recording will also be available inside my youtube channel as well so make sure go and subscribe to my youtube channel subscribe to My telegram is also that you can be up to date of Future investment insights apart from tonight's replay because I will also intend to interview more amazing investors I actually intend to actually compound all this wisdom into a book so that uh, yeah Using one single source you can actually tap into insights of so many amazing investors including hardis as well So in the meantime, all right, honey, if anybody want to follow you, how can they continue to learn from you? or yeah But actually honey is a very private person I I don't have a clue So in the community, I just try to to to share you know and being called to share I'm in the process of learning.  You you'll do quite well Yeah, once again, it's about long term right and invest in something that you have high conviction in and do your research And then let the time do the magic as well All right So thank you so much hardy for spending your precious one hour together with all of us and also Thank you everybody for staying tuned all the way until now to learn from hardy and you have learned a lot Maybe you can type down what is the most in like, uh useful insights for you All right, so that you can condense your own knowledge type it in the answer so that you can I think you can also get to see what do you take away the most from his sharing? All right, these thanks heaps for this sharing All right, thanks hardy all all the best going forward as well All right. Well, so many people like a person a person saying a very valuable sharing Time okay, this person said time is the most important thing need time for for your investment for everything to compound It's more important than money. Wow thank you so much hardy and thank you everybody and Remember to continue to stay invested and most importantly like just what hardy said right now is the best opportunity for you to seize make sure you really start investing and of course before you do that Make sure you do your own research right and that's how you have the conviction to buy more and then Let the time to work and be patient and wait for for your wealth to compound as well. All right with that Thank you everybody. All right. We will see you guys in the next sharing And thank you hardy once again for the wonderful insights and we come with to see you in our next sharing as well Thanks Chloe. Thanks for inviting. Um Such a pleasure.  Thank you so much Thank you. All right, you guys have a great evening. All right. Thank you. See you guys


So, Caxon, obviously, JSC, a listed company, one of the largest media companies in the country, but with a local presence in newspapers, like I would know, Beyond Berea, Berea Mail, as well as Get It magazines, but they're a publishing company, they're a print publishing company. Why are they interested in the digital space? Yeah, I mean, like any large scale media company, I think it's exciting for them to look at the different media channels, and there's been so much evolution in that space globally and locally. Print used to be the mainstay of how you'd communicate with local communities, and I think to some extent it still is. There's a very strong readership and following for papers like Berea Mail and others. I mean, Caxon have hundreds of these publications across South Africa, but there is also this great scale to digital traffic, digital audience, and we're one of those platforms where people are finding themselves online. And I think Caxon, like any large media company, needs to have a presence in the digital universe, and we're one of the assets that allow them to do that. I think they've got a great digital vision of where they want to go as a media company in South Africa. And I think what's unique is, whilst a lot of media companies are focused beyond the borders of our country, they're a very South Africa first brand, and that's what we like about it as well. You know, South Africa is really important to private property. We want to be part of building the nation's story. Property is a great way to do that, and Caxon are a perfect fit from that perspective as well, because all of the assets are local. Real strategic focus on where they drive South Africa's economy, and we're hoping to play a massive part of that, particularly on the digital side of their growth.