average^median: usage across domains

  • Average reflects entire population’s level. Over a given period, each member’s change is reflected.
  • Median is useful when you want a typical/representative value. Average can be highly misleading

— domain: percentile ranking of my schools (about 5 of them)? Median is better
— domain: my grades in a given school: average is slightly better
— domain: cost of each stock position, among 100+ stocks? average is better
— domain: wealth among Singapore households? Paradoxically, average is misleading
— domain:

socially awkward: American context

BillGates and Mark Z were described as socially awkward in school. I think the meaning has a special American meaning in the American context.

I was very awkward in middle school. Slowly found my confidence in high school. Humor (and wit) is something I lack in most group settings. In Shiyan I had a bit of wit, but not humor.

Watching the Mr.Bean episode “Exam”, I recall that most western men strike me as comtemporary and polished. But I beat most of them in studies (bigO), in self-discipline (Gary.G), in wellness, in brbr/FullerWealth, even in analytical writing.

 

K.H: analytical IQ

  • high IQ. EQ is average. As a listener, he is average (perhaps better than me;). Both he and me talk too much.
  • .. he can be competitive and competent in academic or theoretical domains.
  • .. Dean’s list NUS B.Eng (stronger than me), graduating 10 years after me.
  • I think he cracked many elite technical interviews as quant or trader candidate, but somehow didn’t get an offer.
  • slightly lacking worldly wisdom but I was probably similar at his age.
  • defensive of his own stance. Can be more flexible.
  • slightly condescending esp. towards people without his knowledge and intellect.
  • good at accumulation and time utilization — moonlighting, xx, personal trading,
  • good at investment analysis but see section below.

— opinionated, pessimistic… I have seen such attitudes, perhaps Tanko, XR, Shanyou (on tech interview)
We all have our share of setbacks, adversities, failed struggles. He was quick to develop his (probably valid) explanations of his setbacks, but he doesn’t stop where he should. He then (画蛇添足)  became confined, imprisoned (in his worldview) by those explanations.

He doesn’t seem to notice that confinement, perhaps because of limited introspective capacity (my strength), or because of intellectual arrogance — too confident about his explanations.

It’s vital to recognize that Most of our explanations are highly incomplete and biased. His explanations tend to glorify himself and blame others.

— wellness priority? fitness is apparently a low priority for him.
He does recognize work stress. So I fully support his decision to forgo those “high careers” due to 高处不胜寒, even though he may have the required intellectual capacity. I used to see that capacity as wasted but I believe he knows himself better. Work-life balance is his higher priority.

— immigration: he has strong opinion about Chinese nationality. No right or wrong. I think it doesn’t benefit him, and probably limits his choices without him acknowledging.

He doesn’t like the U.S. job market, partly because of political tension between U.S. and his 祖国 ? I feel this is like making a decision and finding justifications for it. I might have the same tendency.

— career path
By age 37, I had cracked open a huge (possibly growing) job market not only on WallST but also in Singapore. I was able to change job (with repeated success) to keep up my income and also to compensate for my professional limitations. He surely has his limitations too but he doesn’t seem to acknowledge them.

His first 10 years were far more successful than mine, but after he left b@a in 2017 he had ventured into a domain that’s very niche and possibly shrinking. He actually likes the new domain, working there since Mar 2018, but I guess it does limit his job choices. I guess he will become an old-timer on his current job. He doesn’t have many other job opportunities in Singapore, so his increment pace is at the mercy of the big bank. Not ideal but he is satisfied. Actually my situation is also considered by lsagain and many as non-ideal, but I’m satisfied, almost semi-retired. Mellowing up for both of us 🙂

He is probably a very strong interviewee, but it didn’t help him as greatly as in my case.

Somehow, I have a very biased, partial evaluation of his moonlight business. I feel it won’t grow a lot. Would remain a great, valuable recreation.

— investment: current income ^ windfall
Clearly, current income is not his priority, so he won’t be able to reach semi-retirement stage very early as I did at 44. I think windfall profit is his investment goal. Therefore, I think he may achieve higher return rate than me.

I guess my risk capital size is larger than his, so his profit amount may not exceed mine at, say my age 50 vs his age 50.

Good at investment analysis, but his analytical vision (few have an eagle’s vision) tends to make him risk averse. In contrast, I’m fool-hardy with HY/PE and overseas rEstate. I think he is mostly into well-known stocks. I cast my net much wider though I don’t touch hot low-div stocks.

In my tanbinvest blog I have several posts on Kun’s views. I think he tends to look down on unorthodox investment products/methodologies.

— my personal priorities in the big picture
Even though I spoke to him a lot about investment, immigration and career domains, for me those are minor issues, to be put aside. There are very few real investment decisions or job decisions within 2Y. No immigration topic to analyze.

Like him, I have my analytical IQ and I want to apply it on my priorities. I want my center stage to be occupied by 1) healthy longevity and perhaps 2) career longevity and 3) parenting.

 

unlimited desire: human nature #envy

The Buddha observed that human desires are satisfied only temporarily.

I don’t desire eternal youth. I do want healthy longevity. Limitless desire? Yes if scentifically achievable. The only unlimited desire in me is healthy longevity.

I don’t have endless lust or craving for novelty in sex life.

Financially, since 2018 I have felt satisfied with my current cashflow high ground. I do long for even more assurance of family livelihood, in terms of career longevity, inflation protection, healthcare assurance …

I am more and more aware that “financial livelihood” (including healthcare resources) is easier to control than personal health. So my current level of livelihood protections are adequate and I do not need to long for ever higher assurance.

— Q: So what imaginary role model do I envy most?

Not a big manager with his work/life balance and stress level. I guess cash flow higher ground is enviable, but I’m not that bad.

##time-honored but challeng`guidelines #wide-rang`#w1r2

Important life lessons taught by our mothers, a random list:

  • study well before the exams. Avoid cram.
  • — personal finance
  • After a windfall, /squirrel it away/ rather than spending a bit chunk of it (or all of it)
  • periodic expense recon
  • — wellness
  • floss every day, brush (hopefully twice) every day
  • early rise (weekends too), to avoid morning noise
  • aim at 5 workouts a week
  • some yoga practice every day. I would aim at 1 min
  • [d] eat at consistent timing
  • [v = too vague to be “hard to implement”]
  • [d = discredited. Not really necessary ]
  • — less noteworthy items
  • don’t eat if not hungry
  • take the stairs rather than escalator
  • distinguish needs vs wants i.e. lifestyle creep
  • pay off your entire credit card balance every month, and avoid incurring interests

— encourage compare-out with ordinary folks beyond your local community, and feel grateful. Control the compare-up with high flyers. See the blogpost in jobjob

This guideline proved challenging but I am gradually putting it into practice. Look at my blog posts in 2019-2021.

— spend more time with kids now, until they grow up and prefer their friends.. but I find it fruitless

dangers with power drill

https://www.memic.com/workplace-safety/safety-net-blog/2018/february/heres-to-portable-power-drill-safety–drilly-drilly

https://content.statefundca.com/safety/safetymeeting/SafetyMeetingArticle.aspx?ArticleID=85

I have an inherent fear for the moving parts. In a way, it’s a healthy awareness of human vulnerabilities. Yet there are many other dangers beside the moving parts.

Glove for the hand not on the trigger. I feel better with the glove. Should put glove into the packaging.

Avoid drilling above shoulder level.

— Why Am I so slow with any power drill job, often taking more than an hour to drill one hole?
A: I’m extremely cautious at every step, about injury prevention and other checks.
A: I also set up a my work area, partly for safety.

— why I use only plug-in power drill? Because there’s no alternative to them.

Cordless power drill is common, but I am too scared of injury. Since the manual screw driver is a viable alternative, I would never use a cordless power drill.

 

##Workday leave booking tips

— Tip: click on multiple (disjoint) days

All the days must be full days or all the days must be half-days.

All the days will book as Personal, or All the days will book as Childcare, or All the days will book carry-over.

— Tip: I have too many half-day leaves. I prefer to allocate them to AL. AL becomes noisy, but

  • the Workday app has better tracking for AL than Personal quota. Childcare quota is not tracked well.
    • AL carry-over is well-tracked.
  • Childcare and Personal can’t carry-over, so I might forget.

— You can’t amend a submission. You may need to cancel it and rebook.