Reading Time: 3 minutes I think I was pretty ignorant about the Roth IRA or Roth 401k until recently years. Some friends talked about Backdoor Roth IRA a few years ago. Around the same time (Sept 2021), I noticed my employer 401 k plan has a Roth option. Before that I already worked in the USA for about 21

Reading Time: 2 minutes I talked about American Healthcare System I 美国医疗系统之一 and American Healthcare System II 美国医疗系统之二。Recently due to my older daughter’s ankle injury, I learned a bit more about the medical bills. We had two visits at Shriner’s hospital near the BJC at central west end: the initial encounter (encounter as in medical billing) and the followup

Reading Time: 3 minutes Not intend to be a political topic. At least I am not interested in starting a debate around politics. In reverse chronicle order. Please navigate away or close the tab as you see fit. Ukraine: don’t know. The congress may or may not pass the new aid bill. Right now it’s stuck in the house

Reading Time: 3 minutes Dealing with my 14 y old: the new retainer got lost in a week. See: I was smart that I bought the “retainer insurance” 🙂 If the opportunity arises, I would buy the “iPhone insurance” too (remember why I bought iPhone 15 : long story short, she accidentally broke her iPhone XR (which was passed

Reading Time: < 1 minute I am used to stay at hotels when I visited Shanghai, from the Home Inn or the like back in the days, to more fancier or western brand hotels, now that I have a family and kids. I never thought that I would stay in hotels when I go home and see my parents. But

Reading Time: 2 minutes This is a continuation of my personal reflection on investing in stocks. I recall most recently I talked about patience over frequent short term trading here. Patience is import during power (electricity) outage too: which btw, in St. Louis due to the unpredictable weather, it happens once a while (such as this one in year

Reading Time: 3 minutes (04-11-2024) Big tech in this new regulatory environment in general, Andy Jassy (CEO of Amazon) was talking to CNBC’s Andrew Ross Sorkin this morning on Squawk Box. I think Andy has a good point. (Update 04-06-2024) Yesterday it was somewhat educational to me in terms of the Apple ecosystem. I need to project screen along

Reading Time: 4 minutes (Update 04-05-2024 BleepingComputer) Panera Bread week-long IT outage caused by ransomware attack (Update 03-27-2024) Both the app and the website are back, fully functional as of now (this morning). Btw, I cleaned up a few CC in my account (from 6 to 3); also enabled 2 factor authentication for MyPanera account (via SMS, not perfect,

Reading Time: 2 minutes I can think of two scenarios: one is acquisition is done via cash; another one is done by stocks (and the stock itself is overvalued). The yardstick of overpayment ====== EBITA or EBITDA (or use Charlie Munger’s word, replace it with bullshit) I know from my own software industry experience, 10x sales (or revenue) is

Reading Time: 2 minutes Blue and green bubble divide As mentioned here in the CBS News YT video – “Breaking down the Apple antitrust lawsuit”. iMessage vs text message. I noticed some issues in the group text messages in the past: for example, I can not add someone on Android to a group text. If one of the member