Reading Time: 2 minutes cobble together per Collins Dictionary: If you say that someone has cobbled something together, you mean that they have made or produced it roughly or quickly. Or Google AI overview – “Cobble together” is an American English phrasal verb that means to produce something quickly or roughly, often without great care or effort. For example,
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 (Update 12-08-2024) 我今天录了一个油管视频：I created a YT video today and it’s in Mandarin Chinese. I can create an English version later, if there is interest. My street credentials (qualification) for writing this: besides as the consumer of US healthcare system (employer sponsored plans most of the time) since fall 2000. I also worked for 2 large
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 (08-05-2024) Noticed judge ruled in a similar case, the Google search engine/Apple iPhone case, and Google lost this 1st round. Think they will likely appeal. But Tech Industry Braces for Fallout From Google Antitrust Verdict. This potentially has some impact on Apple. Also, today I noticed the Google chat app on iPhone is called just
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
Recent Comments