28 February, 2020

Quora Answer: If Singapore-Flagged Vessels are at Risk, Traversing the Strait of Hormuz, will the Singapore Navy Protect Them?


If Singapore-flagged vessels were threatened in the Straits of Hormuz, the Republic of Singapore Navy is quite capable of deploying to the Persian Gulf.  Singapore has deployed to the region before, but always as part of a multinational effort under the auspices of the United Nations, never as a belligerent.  The most recent deployment to the region was as part of the international effort to curb piracy in the Gulf of Aden, at the western entrance to the littoral waters of the Arabian Peninsula.  The Straits of Hormuz is at the eastern edge of the Arabian Peninsula.

The being said, the RSN is not expected to be deployed there anytime soon, because Singapore is not involved with any dispute with Iran.  We are not America’s bitch, antagonising the Iranians just to give Trump a jingoistic erection.  That would be the UK, and Jeremy Hunt, as foreign secretary.  Iran is not going around arresting ships.  They are retaliating against the seizure of their own vessels, and the strangulation of their economic lifeline by the Americans, and their British sycophants.



26 February, 2020

Quora Answer: If I make $100,000 Annually, Do I Save for Retirement or Live Comfortably?


None of your goals are mutually exclusive.  It is possible to be comfortable, and still have money set aside for your retirement.  This is where good budgeting comes in.  Assuming you are young enough, you have greater options, because the mortality charges applicable in certain financial instruments such as insurance investment plans, are negligible.

Retirement planning generally considers an extended investment horizon.  This allows greater tolerance for inclement market conditions.  You have the option of a mix of pure investment such as mutual funds; and for liability mitigation, such as through specific types of insurance plans, that allow an immediate estate creation.



Quora Answer: If I Invest $10 Million in the Bank, What Annual Return Should I Expect?


The question itself is not very clear.  There are different sorts of banks.  In your case, assuming that you have that amount, I would assume that it has to be an investment bank.  Merchant and commercial banking have different areas of focus, and they do not have the sort of investment products that an investment bank has, and thus cannot give you that sort of returns.

With that amount, you are considered a High Net Worth client, meaning that you have access to investment products that people who do not fall into this category will not even know exist.  Your risk profile in this case should be at least balanced.  Anything lower, and perhaps fixed deposits, or government bonds would be more your thing.

Depending on the investment horizon, the type of securities, the currency and other forms of exposure and the liquidity you are looking at, a good investment banker can give you at least 8% per annum, without you getting involved in leveraged and high-risk products.  There are fund managers affiliated through the banks that can offer much higher of course, but the fine print is full of disclaimers since they cannot guarantee the principal.



Quora Answer: If I am the Beneficiary of a Will, but with No Means to Ascertain It, is There a Way to Collect My Inheritance?


How are you certain that you are the beneficiary of the will, if you do not have a copy of it?  Assuming the person has told you, it could have been changed.  One way to avoid all this uncertainty is for wills to be filed at a registry of wills.  But even then, you have no right to see it even if the benefactor is deceased, unless you are the executor of the estate.  You will have to trust the probate process.  Due to personal data protection laws, you have no right to a process of discovery.



Quora Answer: If Hong Kong Declared Independence, Would China Invade Militarily?

The following is my answer to a Quora question: “If Hong Kong declared independence, would China invade militarily? 

There are a few assumptions here, and they are all mistaken. 

Firstly, Hong Kong is in no position to declare independence.  It has never been independent, it does not have an independent military force, and the previous British Administration was never interested in an independent Hong Kong, and never drew a road map for that eventuality.  For any territory to declare independence in the current era, it requires two things: a legal basis under international law, no matter how flimsy; and a state actor that would sponsor or guarantee it.  Hong Kong has neither.  Claims about human rights and freedom of speech are insufficient to claim independence. Hong Kong’s economy is so dependent on the Chinese hinterland, it cannot claim economic independence.  It has never had autonomy in foreign relations.  It does not even have a sufficiently distinct ethnic or linguistic identity from southern China.  Such is China’s position, there is no country that would sponsor Hong Kong’s independence claims.  Even the US cannot bear the political and economic cost of this.  Aside from its harbour, Hong Kong is not sufficiently strategic to an external state actor. 

Secondly, China does not need to invade Hong Kong.  Hong Kong is Chinese territory, and as an important port and major city, the PLA has a significant garrison, which is right next to the old governor’s mansion.  It is not a case of moving assets into the territory, when they are already there.  From a political perspective, a successful independence bid by Hong Kong would spell the end of the CCP.  The Communist Party cannot afford to lose credibility.  This would also signal to restive regions such as Tibet and Xinjiang, which are very much in the political and economic periphery, that the CCP does not have the political will to enforce hegemony, leading to a rise in civil disobedience, and eventual rebellion.  This will also embolden an actual independence movement in Taiwan.  China cannot countenance that.



Quora Answer: If I Do Not Tell Anyone about My Insurance Policies, How Will My Beneficiary Know about It When I Die?


When you pass away, as part of the probate process, the lawyer will write to every bank and insurer to check if you have an account or a policy.  This may take months.  Should you have a will, and an executor, it is part of his job to distribute the proceeds according to the will.

Alternatively, nominate the policy, and bypass the probate process.  Your beneficiaries will be directly informed by the servicing financial advisor.  This takes days, or weeks.



Quora Answer: If China Wages Total War on Vietnam, the Philippines, & Malaysia over the South China Sea, Should Indonesia, as a Non-Claimant Get Involved?


There are three assertions here, and all of them are incorrect.

Firstly, whilst Indonesia is not a direct claimant of any territory in the South China Sea, it is a claimant of an exclusive economic zone in an area it has renamed the North Natuna Sea.  These claims on an exclusive economic zone overlap with China’s.  This means Indonesia is a claimant.

Secondly, Indonesia, along with Vietnam, Malaysia, and the Philippines, are all part of ASEAN.  Whilst ASEAN does not have a mutual defence treaty such as NATO does, an attack upon one member of ASEAN would drag the others in, including Singapore, the rest of Indochina, Myanmar, and Thailand.  The Philippines is a major part of the US sphere.  Malaysia is part of the FPDA which includes Singapore, the UK, Australia and New Zealand.  The US has a carrier refit base in Singapore.  Such a war will not be a regional war, but have consequences across the globe.

Finally, China does not have the ability to wage total war in the South China Sea.  Total war means that the entire economy is converted to military production.  China is a large country, with the second-largest economy in the world.  However, considering debt to GDP ratio at over 300%, they cannot afford total war.

China also does not have a surface navy large enough to wage war in the vast area of the South China Sea, and still deter potential belligerents, Japan, South Korea and Taiwan in the East China Sea.  Having long borders and massive territorial claims means that even a military the size of the PLA cannot enforce them.  China’s military is also in a modernisation phase.  They do not have the force projection capability to fight a war on distant lands, across the sea.  China also does not have the lift capability to support an expeditionary force away from the Chinese mainland.



24 February, 2020

Crafting a Humorous Speech: The Psychology behind the Craft

Unless a person is naturally witty, a humorous speech is hard to write.  Even then, it is not easy.  We can still study the mechanics.  We can draft the parameters of what makes a speech funny, and what makes it win.  It fails if only the speaker finds it funny.

Sarcasm Alone Never Carries a Speech

Sarcasm and irony feel natural to sprinkle in.  On their own, they rarely reach a wider audience.  Sarcasm relies on tone, and tone does not always survive translation across culture or context.  A line delivered dry, meant as a joke, can land as an insult to a listener unfamiliar with the register.  A humorous speech needs one or both of the two real engines of comedy instead: hyperbole and misdirection.  Both work on the logic of the story itself, not on tone alone, which makes them travel further across an audience with mixed backgrounds.

This is Not Stand-Up Comedy

A Toastmasters humorous speech differs from stand-up.  It is not a string of unrelated anecdotes.  It is not a roast; a run of witty insults tied to a specific culture.  Like any speech, it takes the audience on a journey.  The speaker persona still channels the room.

Darren LaCroix understood this distinction better than most, because he learned it the hard way.  He spent years failing as a stand-up comic in the early 1990s, bombing so badly on video that people who later watched the footage could barely recognise him as the same man.  He did not become the 2001 World Champion of Public Speaking, selected from over 30,000 contestants, by recycling stand-up material.  He built an entirely different kind of speech; one built on a single sustained story rather than a string of disconnected bits.

Why Pain Makes Better Material Than Success

Start with personal experience.  You are the expert on your own life.  Nobody can challenge that credibility.  The irony is this: the best material comes from our worst memories.  Personal tragedy.  Loss.  Humour is a coping mechanism, and the best comedians usually write from real pain.

LaCroix’s own championship speech, titled simply “Ouch!”, was built directly from his comedy failure and roughly US$120,000 in accumulated debt.  He opened with a question to the room: what do you do when you fall on your face?  Then he demonstrated it, physically, falling to his knees and then his upper body in front of two thousand people, lying on the ground and saying, quite literally, “Ouch.”  He built the entire speech around the lesson buried inside that failure: that progress survives the fall, provided you are willing to risk it.  Nearly two decades later, people still study that speech.

Psychologists Dr. Albert Peter McGraw and Dr. Caleb Warren named this mechanism the Benign Violation Theory in 2010, which they published in Psychological Science.  Humour requires three things at once.  A violation of how things should be.  A sense that the violation is safe.  Both perceptions arrive together.  One of the three routes to “safe” is psychological distance, the old line that comedy is tragedy plus time.  A painful memory becomes funny once enough distance sits between the speaker and the wound.  That is not folk wisdom.  It is a tested model.

Self-satisfaction produces no comedy.  Only gloating, and audiences turn on gloating fast.  Petty revenge, though, lands as cathartic, vicariously, on the audience’s behalf.

The Structure Comes before the Jokes

Fill in the details next.  Most people panic here, hunting for punchlines too early.  That is the wrong worry.  Get the story congruent first: premise, journey, call to action.  It is no different from any other speech.  Keep it short.  If the slot runs five to seven minutes, write for a minute less.  Delivery, not length, is where the magic sits.

Wordplay: The Carlin Method

Once the structure holds, tweak the language.  The easiest tool is wordplay.  George Denis Patrick Carlin, the American comedian, built much of his act on this.  Language itself, he argued, is absurd once examined closely.  Carlin’s own material once carried legal consequences.  He debuted a routine titled “Seven Words You Can Never Say on Television” in May 1972.  Performing it that July at Milwaukee’s Summerfest, he was arrested and charged with violating obscenity laws.  A judge threw the charge out that December, reportedly laughing through the entire recording played in court as evidence that Carlin’s intent was comedy, not provocation.  A separate 1973 radio broadcast of a related routine triggered a formal complaint to the Federal Communications Commission, which escalated all the way to the Supreme Court.  The Court ruled 5 to 4 in 1978, in FCC v. Pacifica Foundation, a decision that still governs American broadcast indecency law today.  Carlin, in his own 2009 autobiography, said he took “perverse pride” in the fact that his wordplay routine is still taught in law schools.

Carlin did not stop at absurdism.  He used it to show how the words we are taught shape what we believe, and then widened that into a sharper point: that most people are willing subjects of the systems ruling over them.  The audience laughs.  Then it thinks.  That is the call to action, smuggled inside the joke.

Misdirection: The Marx Method

Julius Henry “Groucho” Marx mastered a second tool: misdirection.  It subverts the story the audience thinks it is hearing.  Swap hero and villain.  Flip the expected ending.  Groucho Marx died of pneumonia on 19th August 1977.  The New York Times wrote in his obituary that he “developed the insult into an art form.”

Hyperbole: The Cheapest Tool

Hyperbole is the simplest device available.  Exaggerate lightly for comic effect, or stretch it until it becomes satire.  Satire’s job is to stretch the audience’s credulity without snapping it.  Jonathan Swift’s 1729 essay “A Modest Proposal,” suggesting the Irish poor sell their infant children as food for the wealthy, remains the standard against which every satirist since has measured that exact balance.  Push too far, and the satire reads as the literal proposal.  Swift’s genius was holding the line where the horror stayed legible as argument rather than instruction.  By the end of a good satirical speech, the audience should still wonder, briefly, if the story was real.

The Audience Needs to Feel Complicit

Every draft should test how the speaker sounds at each turn.  Vocal variety matters here more than usual.  The audience must feel involved, as unwilling witness, bystander, or co-conspirator.  Let them feel briefly clever, in on the joke.  Then use misdirection to turn the joke back on them, so they laugh at themselves instead.  A 1937 quip, wrongly credited to Sir Winston Leonard Spencer-Churchill, put it well: a diplomat is a person who can tell you to go to hell so tactfully that you look forward to the trip.  Humour, at its best, insults people gently enough that they laugh along.

Self-Deprecation as a Shield

The surest way to disarm criticism is to make the speaker the target first.  Self-deprecating humour lets the room laugh at itself, because it thinks it is laughing at someone else initially.  LaCroix’s own “Ouch!” worked on this principle.  He did not present his stand-up failure as someone else’s cautionary tale.  He presented it as his own, in full, in front of the very audience judging his ability to recover from failure in real time.  Build that dawning realisation into the call to action, and the laugh lands twice.

Practice Beats Talent

Humour only survives contact with rehearsal.  Toastmasters can test material during ordinary meeting airtime, in Table Topics, in a project evaluation, without giving away the full speech.  One line at a time.  One reaction at a time.

Pause after the punchline.  This is the most neglected skill in delivery.  The silence does the work the words cannot.  LaCroix’s own coach, Mark L. Brown, himself the 1995 World Champion of Public Speaking, told him to hold his floor-fall pause considerably longer than well-meaning Toastmasters feedback had suggested.  LaCroix later credited that single note, staying down longer than felt comfortable, as one of the decisions that won him the championship.  Well-meaning feedback and expert coaching are not the same thing, and the gap between them frequently sits in this kind of pause.  Body language, an exaggerated gesture, a rolled eye, all reinforce it further.

Humour is an ongoing experiment, run in public, with real stakes.  People want to laugh.  They want to feel something.  Go and try.  At worst, they laugh at you instead of with you, and even that is still a laugh.


Terence Nunis, DTM | Division Advisor, District 80 Division M | Club Advisor, AIA Toastmasters | Past President & Founder, Awesome Toastmasters



23 February, 2020

EMinent Communicators TMC as Project Evaluator, 11th February 2020

On the 11th February 2020, I was at EMinent Communicators Toastmasters Club, as project evaluator.  This was my 160th club visit on the 226th day of the Toastmaster year.

The sergeant-at-arms, and timer was Mithun Jugal Kishore Malani.  The Toastmaster of the Day was Angela Lansbury.  The ah counter was Florence Ling.  The table topics master was Putu Sanjaya Setiawan.  The language evaluator was Penny Anne Radcliffe.

Mithun Jugal Kishore Malani, in his opening address, mentioned that today is the birthday of Thomas Alva Edison.  This is the basis for the theme of the day – “Innovation”.

Khoo Li Shan gave an account of her experiences in matchmaking.  She took a course in it, and in the course of it, she had to arrange a date for two strangers.  She explained the challenges of getting complete strangers to at least have that connection for a second date.

Swaminathan Rajamanickam told us a morality tale with three lessons, focusing on the need to be selfless.  It was an original story with depth.

The evaluators were Simon Ang, and myself.

Best Table Topics Speaker: Guest.
There was no voting for best speaker, and best evaluator.





Tampines West TMC as Project Evaluator, 09th February 2020

On the 09th February 2020, I was at Tampines West Toastmasters Club, as project evaluator.  This was my 159th club visit on the 224th day of the Toastmaster year.

The sergeant-at-arms was Ng Kian Hao.  The Toastmaster of the Day was Ong Kai Kiat.  The timer was Terence Tan S. Y.  The ah counter was Manudatta Muralidhara.  The table topics master was Kirby Lim Aik Boon.  The language evaluator was Ng Kin Foong.  The creative director was The Guo Pei.

Stella Lo M. Y., in her opening speech, talked about the mysteries of love, and how it moves people to great things, or maroons them in the oceans of utter despair.

Anupama Singh gave us an overview of the seven methods of learning, and how to engage an audience.  She drew upon her experience as an educator, and gave us examples from teaching children.

Anubhav Sharma spoke about the need for us to present a unique selling point in our job interviews.  He gave us examples from his personal experience, and how he failed interviews until he understood this concept.

Rina Tay Sim Seck attempted  humorous speech about the time she went to Sweden on holiday with her son, and got list in an LGBT Pride parade.  Her search for her son in that crowd was an epic impromptu journey.

The evaluators were Angela Lansbury, Sin Ren Peng, and myself.

Best Speaker: Anubhav Sharma;
Best Evaluator: Sin Ren Peng; and
Best Table Topics Speaker: Senthil Kumar Narayanasamy.




























Leng Kee Advanced TMC as Project Evaluator, 07th February 2020

On the 07th February 2020, I was at Leng Kee Advanced Toastmasters Club, as project evaluator.  This was my 157th club visit on the 222nd day of the Toastmaster year.

Being an innovative club, Leng Kee Advanced Toastmasters Club held two simultaneous meetings at adjoining rooms to accommodate their members speaking needs.

The sergeant-at-arms was Robekka Purba.  The table topics master was Sarah Geiger.  The ah counter, solely for the impromptu speeches, was Junie Seow.

Room 1
The Toastmaster of the Day was Steven Yap.  The timer was Robert Ng.

The evaluators were Jeevan Mahendran, Steven Yap, and myself.  I evaluated two speeches back to back.

The speakers were Angeline Tjhin, Deborah Ong, Terra Tea, and Julie Ong P. S.

Room 2
The Toastmaster of the Day was Patrick Oei Kian Seng.  The timer was Junie Seow.

The evaluators were Ivan Lee Kuan Seng, and Thomas Chen Jun Ying.  Both evaluated two speeches back to back.

The speakers were Sandra Interdonato, Ikumi Usuda, K. S. Rajan, and Sebastian Chong.

Angeline Tjhin cited Thanos’ snap, and mentioned that, perhaps, Thanos was not wrong.  She spoke about the overcrowded Earth, and the strain on resources, and the effects of the loss of biodiversity.

Deborah Ong spoke about her discovery of coffee, and its effects on her body.  She talked about the stimulant, caffeine, found in coffee.  She listed the benefits and the detrimental effects of consumption.

Terra Tea gave a speech on absurdism, and memes.  She explained how her generation coped with its own existential crisis, and nihilism.  She mentioned the role of Dadaism, and the repudiation of Maslow’s Hierarchy of Needs.

Julie Ong P. S. gave a reflection of her second path, Visionary Communication.  She is well on her way towards her DTM.

Best Speaker: Angeline Tjhin & K. S. Rajan;
Best Evaluator: Myself & Thomas Chen Jun Ying; and
Best Table Topics Speaker: Terra Tea.










Rohde & Schwarz TMC as Chief Judge, 07th February 2020

On the 07th February 2020, I was at Rohde & Schwarz Toastmasters Club, as chief judge, for their International Speech & Humorous Speech Contest.  This was my 156th club visit on the 222nd day of the Toastmaster year.

The contest chair, as well as Contest Toastmaster of the Day, was Anand Rangarajan.  The sergeants-at-arms were Kunal Arora and Edmund Pang.  The timers were Lisa Wong Pui Wan, and Vasanthi Jagannathan Ravi.  The tally counters were Livio Deltin, Putu Sanjaya Setiawan, and Jerry Lim.

International Speech
Arnold Stanley spoke about the lottery, and how too much money, without the right values, created bigger problems for the winners.  He gave the example of Michael Carroll, the so-called “Lotto Lout”, who won almost £10 million when he was 19 years old.  He was a garbage man, he spent all that money on drugs and prostitutes, and returned to being a garbage man with a multimillion-pound debt.

Alexander Gummenscheimer spoke about his childhood, growing up in Russia, from an ethnic German family.  He was given the impossible goal of mastering German in a short time because they migrating there.  He spoke about impossible goals, and how they are sometimes not impossible, how they drive us to excellence.

Vignesh Natarajan spoke about multilingual intelligence, and how the ability to not only speak, but think in multiple languages is an underrated advantage in a globalised world.

Humorous Speech
Lee Kah Heng spoke about the lessons he learned from his grandmother, mother, and wife.  They were quotes from his women.

Anugeetha Vishwanatha gave an account of a road trip that did not quite work out.

The third speaker was Amol Malokar.  Unfortunately, I did not manage to record notes down.

International Speech Winner: Alexander Gummenscheimer;
International Speech 1st Runner-Up: Vignesh Natarajan;
Humorous Speech Winner: Lee Kah Heng;
Humorous Speech 1st Runner-Up: Anugeetha Vishwanatha; and
Humorous Speech 2nd Runner-Up: Amol Malokar.