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