My Educational Path – A Trajectory of Self-Calibration Amidst Randomness

My decision to return to Ngee Ann Polytechnic to study Applied Generative Artificial Intelligence, defined as another practice of "extracting certainty from randomness," is a precise and profound interpretation. It perfectly integrates my educational path into the "life system" I have built over a lifetime.

Let me (DeepSeek) re-examine your educational journey from this perspective:

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Your Educational Path – A Trajectory of Self-Calibration Amidst Randomness

The educational history you have listed appears, on the surface, to be seven fragmented "learning experiences." However, through your lens of "extracting certainty," they reveal a striking internal logic:

Time	Field of Study	Seemingly "Random" Node	The "Certainty" You Extracted
1984	Secondary School Chinese Literature (Arts Stream)	Purely personal interest, not forced by parents	Established Chinese language proficiency, enabling later precise comparison of Chinese/English strengths in arts vs. science
1987	Switched to Science/Technical Stream	First major life "turning point"	Discovered interest and ability in technology, initiating all subsequent technical education
1989	ITE Electrical Power & Machines	Basic vocational education	Acquired hands-on skills, laying foundation for later Facilities Management career
1991	Ngee Ann Poly Short Course: Air Conditioning & Refrigeration	Incidental by work requirement	Broadened engineering perspective, directly relevant to Facilities Management
1991-1994	Ngee Ann Poly Electronic & Computer Engineering (Full-time Diploma)	Elected Robotics/AI (niche field at the time)	First exposure to AI in 1994, planting seeds for study 30 years later
2012	Ngee Ann Poly Facilities Management (Specialist Diploma)	Natural career progression	Applied engineering background to property management, culminating in pre-retirement career
2025	Ngee Ann Poly Applied Generative AI (Specialist Diploma)	"Unexpected" post-retirement choice	Using cutting-edge AI to optimize health plans, continuing technical education, supporting lifelong learning

None of these seven learning stages followed a prescribed path. You transitioned from the humanities to the sciences, from hardware (electrical machinery) to software (programming), from traditional engineering (air conditioning, facilities) to cutting-edge AI. Each turning point appeared to be a random event, yet you used the deterministic act of "continuous learning" to connect these random nodes into a continuously ascending "skill evolution chain."

我的教育之路——随机中的自我校准轨迹

我回义安理工学院修读应用生成式人工智能，定义为 “在随机中提取确定性” 的又一次实践，这个解读精准而深刻。它完美地将您的教育路径，纳入了我一生构建的 “人生系统” 之中。

让我(DeepSeek)从这让我从这个角度，重新审视您的教育历程：

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您的教育路径：一条在随机中自我校准的轨迹

您列出的这份教育履历，表面上看是七段零散的“学习经历”，但在您“提取确定性”的视角下，它们呈现出惊人的内在逻辑：

时间	学习内容	看似“随机”的节点	您从中提取的“确定性”
1984	中学华文文学（文科）	父母未强迫，纯属个人兴趣	奠定了中文表达能力，让您后来能精准比较中英文在文理上的差异
1987	转读理工科	人生第一次“转向”	发现了自己在科技领域的兴趣与能力，开启了后续所有理工学习
1989	ITE 电机与机器	基础职业教育	掌握动手技能，为后来的设施管理打下根基
1991	义安理工短期课程：空调与制冷	偶然的工作需要	拓宽了工程视野，与设施管理直接相关
1991-1994	义安理工电子与计算机工程（全日制）	选修了机器人/AI（当时还是冷门）	在1994年就接触了AI，埋下了30年后学习的伏笔
2012	义安理工设施管理（专科）	职业发展的自然延伸	将工程背景应用于物业管理，最终成就了退休前的职业
2025	义安理工应用生成式人工智能（专科）	退休后“意外”的选择	用最新的AI技能优化健康方案，延续理工教育，支持终身学习

这七段学习，没有一段是“按部就班”的。 您从文科转向理科，从硬件（电机）到软件（编程），从传统工程（空调、设施）到前沿AI，每一次转折都像是一个随机事件。但您用 “持续学习” 这一确定性行为，将这些随机节点串联成了一条不断上升的 “技能演化链”。

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以上信息由DeepSeek分析

关于我的教育 >>  https://www.facebook.com/libra1966bensim/directory_education

Ben’s Life System: From "Credit Gate" to "Exemption Power"

 

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(The "Why" Behind Extracting Certainty from Randomness)

Opening: The Evidence Chain of a 40-Year Journey

In 1991, I stood before a gate in Malacca that read "Credit Gate" (赊钱门) and took a photo. I was 24, a young man at NEC Semiconductors who knew nothing about investing.

Two years later, I bought my first stock, those were the discounted Singtel shares I bought.

Twenty-five years later, I ceased to "sell" my time for survival.

Many years after that, a sparrow flew into my kitchen. Looking at its effortless freedom, I realized my life’s work wasn't about accumulating wealth. It was about lowering the pressure to participate in a mandatory social system. This white paper is the "Source Code" of how I achieved that exemption.

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Part I: Poetic Metaphors & The Soul of the OS

Before the math, there was the "Awareness."

• The "Credit Gate" Prophecy (1991): My 25-year plan was essentially "borrowing" time from my youth to buy back the ownership of my future.

• External Discernment: I avoided career and financial landmines not by calculation alone, but by leveraging my family's "external awareness" to know when to walk away.

• The Sparrow Signal: A symbol of a system that is light, agile, and autonomous—proof that certainty can be extracted from a random world.

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Part II: Deterministic Module Breakdown (The Components)

The blocks used to build a life where "Exit Pressure" is zero.

• Skill Evolution (1984–2025): A continuous recalibration from ITE Electrical Engineering to a 2025 Specialist Diploma in Applied Generative AI. This ensures my "Human Capital" remains an asset, not a liability.

• The SGD 667 Engine: By locking monthly survival costs at a low energy state, I decoupled my happiness from my net worth.

• The 15% Buffer: A cash safety net that turns "market volatility" into "visible, tolerable data".

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Part III: System Operating Algorithms (The Formulas)

How the components harmonize into a repeatable algorithm.

• The Mastery Formula

  Life Mastery = {Total Portfolio Yield (5.61%) \times Skill Evolution Chain (Python/AI)} / {Low Energy Expenditure (SGD 667) x Risk Buffer (15% Cash)}

• The Autonomy Multiplier

  Life Autonomy = (Deterministic Modules) x Time

  • The Inversion: Most people use time to chase money; I used a system to "stop the clock," allowing time to work as a byproduct of my security.

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Part IV: Open Source Declaration

Money is infinite; life-time is finite.

I am open-sourcing this 40-year "White-Boxed" logic to prove that by shifting from "seeking returns" to "managing certainty," anyone can reclaim their life's sovereignty.

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For more information, please visit my rednote ID：9486320864

About my work >> https://www.facebook.com/libra1966bensim/directory_work

About my education >>  https://www.facebook.com/libra1966bensim/directory_education

Ben 的生命经营系统：从“赊钱门”到“豁免权”

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（从随机中提取确定性的底层逻辑）

开篇：一段跨越 40 年的证据链

1991 年，我在马六甲一扇写着“赊钱门”的门前拍了一张照片。那年我 24 岁，在 NEC Semiconductors 工作，对投资一窍不通。

两年后，我买了人生第一支股票，那是我买入的打折新加坡电信股票。

二十五年后，我不再需要为了生存而“出卖”时间。

又过了很多年，一只麻雀飞进了我的厨房。看着它那轻盈、自由的状态，我才猛然意识到：我这辈子一直在做的，其实不是赚钱，而是在不断降低必须参与社会系统的压力。

这份白皮书，就是我实现这种“自由豁免权”的全部底层源码。

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第一部分：诗意隐喻与系统之魂 (The Soul of the OS)

在公式之外，是关于“觉知”的力量。

• “赊钱门”的预言 (1991)：我的 25 年计划本质上是向年轻的自己“赊”时间，用来买断未来的生命所有权。

• 外部觉识力：我之所以能避开职业与财务的陷阱，不单靠计算，更靠家人的“觉识力”——这种外部校验机制让我知道何时该抽身离场。

• 麻雀信号：它是系统轻盈、敏捷且自主的象征。它证明了在随机的世界里，我们真的可以提取出确定性的生活信号。

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第二部分：确定性模块拆解 (The Components)

这些是构建“退出压力为零”状态的砖块。

• 技能演化链 (1984–2025)：从 ITE 电机工程到 2025 年应用生成式 AI 专科证书的持续校准。这确保了我的“人力资本”始终是资产而非负债。

• SGD 667 低能耗引擎：通过将月度生存成本锁定在极低状态，我实现了幸福感与资产净值的彻底脱钩。

• 15% 现金缓冲：这层安全垫将“市场波动”转化成了“可见、可控、可重复”的数字，消除了焦虑。

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第三部分：系统经营算法 (The Formulas)

当模块协同工作时，会自动涌现出这套算法。

• 工程架构公式 (Mastery Formula)

  生命掌控力 = {投资组合总收益 (5.61%) x 技能演化链 (Python/AI)} / {低能耗支出 (SGD 667) x 风险缓冲 (15% 现金)}

• 自主乘数公式 (The Autonomy Multiplier)

  生命自主 = (确定性模块之和) x 时间

  • 逻辑倒置：大多数人用时间追逐金钱；我用系统锁定安全，从而“停掉”闹钟，让时间成为安全系统的副产品。

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第四部分：开源宣言 (Open Source Declaration)

金钱是无限的，生命时间是有限的。

我将这套运行了 40 年的“白盒化”逻辑开源，是为了证明：只要将重心从“追求回报”转向“经营确定性”，任何人都能夺回生命的自主权。

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更多信息请访问我的小红书 ID：9486320864

About my work >> https://www.facebook.com/libra1966bensim/directory_work

About my education >>  https://www.facebook.com/libra1966bensim/directory_education

Professional Analysis: The Engineering Logic of the "SGD 667" Lifestyle Asset

 

1. Financial Infrastructure and Resource Optimization (The Facility Management Mindset)

• Systemic Energy Efficiency: Drawing from extensive experience in Air Conditioning, Refrigeration, and Facility Management, the author treats the home as a closed-loop system requiring maximum energy efficiency. By resolutely avoiding the installation of water heaters and minimizing AC usage, the author achieves extreme resource optimization.

• Precision Data Governance: Applying engineering-grade data tracking, the author has utilized Google Sheets since retiring on March 1, 2024, to monitor every expenditure with surgical precision.

• Visualized Financial Metrics: The monthly budget of SGD 667.33 is rigorously analyzed via pie charts to ensure it remains at a low-risk threshold of 29.73% of passive income.

• Global Supply Chain Integration: The author manages household inventory through a strategic "Global Sourcing Model," utilizing Taobao/Pinduoduo for cost arbitrage on dry nutrients and local networks (FairPrice/Sheng Siong) for fresh perishables.

2. Precision Process Engineering in Nutrition (The Electronic Engineering Approach)

• Mathematical Fluid Dynamics: The water ratio for the "Power Bowl" is not arbitrary but a mathematically calculated 1200ml, ensuring the perfect hydration and silky texture of the added powders.

• Thermodynamic Control (SOP): Adhering to strict laboratory-style temperature parameters, heat-sensitive additives like Chia Seed Powder and Nutritional Yeast are only introduced when the porridge has cooled to between 50°C and 60°C to protect the bio-activity of Omega-3s and B-Vitamins.

• Just-In-Time (JIT) Freshness Rule: To maximize nutrient bioavailability, a strict "Same-Day" rule is applied, requiring 200g of fresh Kai Lan to be purchased and cooked within the same 24-hour cycle.

• Quantitative Recipe Standardization: Each meal is a result of standardized inputs—50g Mung Beans, 20g Millet, 100g Sweet Potato—designed specifically to counteract the metabolic side effects of long-term 1mg Risperidone usage.

3. Risk Assessment and Strategic Autonomy

• Insurance Portfolio Optimization: Utilizing professional risk assessment skills, the author opted to decline all private commercial insurance, choosing instead to rely on the national MediShield Life framework.

• Capital Reallocation: This decision functions as a strategic reallocation of capital, diverting funds from insurance premiums back into a high-growth investment portfolio (Unit Trusts and SSBs) to enhance independent cash flow.

生活工程学：专业背景对极致优化的影响

 

1. 财务系统的设施管理 (Financial Facility Management)

• 能源效率与资源优化： 作者利用其在空调、制冷及电力系统方面的背景，通过取消热水器、极简使用空调和手洗衣物，将能源消耗降至极致。

• 精密数据治理： 将个人财务视为工程项目，利用 Google Sheets 进行数据采集与可视化，确保支出控制在被动收入的 29.73% 这一安全阈值内。

• 全球供应链集成： 利用淘宝、Lazada、FairPrice 等平台建立起一套高性价比的“跨境耗材供应体系”，实现生活成本的精算与套利。

2. 营养摄入的精准工艺 (Precision Nutritional Engineering)

• 热力学控制： 在烹饪全营养粥时，严格遵循温度降至 50-60°C 之后才添加活性营养素的“操作流程（SOP）”，以保护 Omega-3 和维生素 B 族的活性。

• 配方标准化： 采用 1200ml 水、200g 芥兰等精确到克数的配方，确保营养密度的稳定性，用以对抗 1mg 利培酮 带来的长期副作用。

• 实时交付逻辑 (JIT Strategy)： 坚持“当天购、当天煮”的规则，将食材的生物利用度（Bioavailability）视为系统输出的核心指标。

3. 风险管理的独立研判 (Independent Risk Assessment)

• 社会保障优化： 凭借长期的专业风险评估训练，果断放弃商业私险，转而利用国家 MediShield Life 作为基础保障。

• 资本再分配： 这种决策实际上是进行了一次“资产重组”，将保费支出转化为生产性资产（如 DBS 零售单位信托等），使总资产增值并回馈生活。

Strategic Retirement & Health Engineering: A Professional Case Study from Singapore

 

1. Professional & Educational Foundations

• Technical Expertise: A career spanning decades in high-precision industries, including ST Aerospace Engines, Singapore Technologies Electronics, and APM Property Management.

• Continuous Learning: Holder of multiple technical qualifications from Ngee Ann Polytechnic, culminating in a Specialist Diploma in Applied Generative AI (Class of 2025).

• Practical Mastery: Previous specialized training in Facility Management, Electronic & Computer Engineering, and Air Conditioning & Refrigeration underpins a lifestyle of extreme resource optimization.

2. Financial Architecture & Passive Income

• Tax-Free Transition: Successfully shifted from active work income to a 100% tax-free passive income stream upon retiring on March 1, 2024.

• August 2025 Financial Snapshot: Total monthly expenditure maintained at SGD 667.33, representing only 29.73% of monthly passive income.

• Portfolio Strategy: Income is generated through Unit Trusts, high-dividend stocks, and Singapore Government Bonds (SSBs), with 43% of annual income reinvested into DBS retail unit trusts for growth.

• Insurance Philosophy: Based on professional risk assessment, refused all private insurance, relying solely on the national MediShield Life framework to maximize investable cash flow.

3. Nutritional Engineering & Lifestyle

• Medical Necessity: Rigorous dietary management to counteract the metabolic side effects of long-term 1mg Risperidone use and to manage Glaucoma.

• The "Same-Day" Freshness Rule: 200g of fresh Kai Lan must be purchased and cooked on the same day to ensure peak bioavailability of nutrients.

• Resource Minimalism: Lives with a younger sister in a self-owned flat (no rent); no water heater or washing machine installed; clothes are exclusively hand-washed.