May is the month with lease spending even after we moved to Seattle, and also a two year celebration of us to move to Seattle, Join FB, and my son’s 6 year birthday.
This month we only spend $7159, including $3900 mortgage, purely due to the COVID-19.
Breakdown of expenses
Mortgage: $3900, including insurance, this is usually the largest expense in each month, and this month contributes to 55% of total expense. Hope after Oct this year, when I officially with H1B status, I can do a refinance and reduce this number. Do not have strong incentive to pay off some of the loans.
Other: $230 on a weber grill, which brought lots of fun and leisure food time for the family
Grocery: $1100+, 15%, majorly from Weee and group buy with neighbors: fruits and seafoods
Restaurant and Fast food: $250, a few deliveries, usually spend $1k before COVID-19
Shopping: $1300, majorly from Amazon, and a $400 Video Card from Newegg and a $100+ case and $50 mouse from AMZ. Due to WFH and old PCs at home (both are build/manufactured in 2012), some of the parts are dying, and also want a SOIA 🙂 setting at home.
Kids: $75 dancing class, and a $50+ LEGO, that is all for May. most of the gifts for Harry are counted in Shopping or last month.
$70 utilities: internet and mobiles, other utilities are either bimonth, or have prepaid in the account
some recurrent spending: amazon music, Wechat Read, Disney Plus.
$7.1k will be a local minimum (of not a globale one) for my family’s monthly expense, majorly due to the pandemic, there are 0 travel and almost 0 dining outside. Also we did not buy anything large this month.
So $80k will be a minimum number for yearly needs, and $120k will be a safer number, thus $3M (based on 4% rule) or $4M (based on 3%) is what I need, given my current net worth, I will need …. Well I gave it up. LOL
I am a pretty aggressive people in terms of stock investment (or actually speculation), so to have $120k passive income, probably actually need $1M investement in stock market. This year’s investment (STOCK+401K+IRA) return till today: -0.46%
Recently I saw a blogger (probably from Reddit), and the concept of FIRE (FINANCIAL INDEPENDENCE AND EARLY RETIREMENT), and looks like I pretty like that idea: most of us do not need (and cannot) reach financial free, but can be financial independence, after which, one can work more freedom or do not work at all.
with a saving that is equals to 25X yearly expense, and 4% withdraw rate (in other words return rate to keep the saving stable)
Something to keep in mind
Increase Income: can reach the needed savings early
The old server has been dead for a while. Finally I bought a new PSU (not sure whether it is the PSU’s problem), reinstalled everything, organized cables, now I have new a desktop. Later I reinstalled the OS too, previously using a Windows Server 2012 for some reason (failure to install any linux at that time due to the nividia driver problem).
Surprisingly, this time it is a pretty smooth process to install a Ubuntu 18.04 LTS (with a AMD GPU at the beginning), and then switch to a nVidia GPU (old 4GB GTX 970).
In case you have problem install Ubuntu with a GTX GPU, try the solution of ‘blacklist nouveau driver’ in here
Install nVidia Drivers
sudo add-apt-repository ppa:graphics-drivers/ppa
sudo apt update
sudo apt install nvidia-driver-440
# also you can install in setting -> advanced drivers
If you want to delete old CUDA installed, try sudo apt-get –purge remove cuda.
pip install tensorflow-gpu
pip install keras
conda install tensorflow-gpu keras
python -c 'from keras import backend as K;K.tensorflow_backend._get_available_gpus()'
from keras import backend as K
Architecture: RBM has an input layer (also referred to as the visible layer) and one single hidden layer and the connections among the neurons are restricted. So RBM looks like a MLP connection between two layers
Start to plan to read 52 26 books per year. Considering that I have already finished 14 book in Wechat Reading since June, so it should be a P75 target. 1/3 of the books will be novel and whatever for recreational purpose. 1/3 for NON-tech but personal improvement such as GTD/time management/finance. The last 1/3 for Tech like new language (seems I am no longer interested in trying new language), ML/DL (major focus), software engineering and so on.
Deep Learning by Ian Goodfellow, Yoshua Bengio and Aaron Courville
Did not realize that VPS (Virtual Private Server) has been made so easy and so inexpensive. Last week, when reading the book “Deep Work“, suddenly realized that I am out of school, and again be free to write my ideas publicly. However, the static pages hosted github.io using markdown is kind of less efficient and hard (easy to forget) to include meta information. An inexpensive VPS (with static IP) can be a better choice. Find a good VPS has been an task in my list… until I remembered it, and googled, and saw the amazon lightsail.
A really lifesaver, log in with amazon count, a few clicks, here it is. I have a new wordpress blog with static IP. Find the user name and password for the wordpress takes some time: user name is user, password is in the VPS: login to your vps via SSH, and the pwd is stored in the file called bitnami_application_password.
Here we go, changed to some simple theme, write some intro (hesitate to put my resume here), and wrote the first post. Done.