A neighbor wants to remove a palm tree because it blocks the view and does not belong to northern California.
The tree has been there since the beginning of human settlement, and has grown very well.
Who can decide whether others belong?
I say whoever adapts, belongs.
I would like to thank those who ever stabbed me in the back, because you have made me a better person.
I will live the rest of my days preparing that someday, somehow, someone will stab me again.
The individual savings bonds (I and EE) offered by the US treasury can be a good (conservative) subset of an investment portfolio, but some basic calculation can help decide whether and how to invest.
The current (fixed) rate of the EE-bonds is 0.1 percent, which, if compounds for 20 years, will increase the original face value by only 2 percent!
The treasury will guarantee to double the face value at the 20 year anniversary. This translates to about 3.53 percent increase per annum, which is not too bad given the current low rate environment. But we have to wait for 20 years and trust the treasury not to mess with the rates or the policies. A lot of things can happen in just 3 years, not to mention 20 (e.g. inflation).
I-bonds offer higher rates (around 2.5 percent recently) which are adjusted for inflation (unlike the EE bond rates which remain fixed). Their values are not guaranteed to at least double after 20 years, but they have a much lower opportunity cost than EE bonds without betting on interest rates or treasury policies.
I spent a few days hacking some stuff only to find out a better solution which took me only 5 minutes.
I was too focused in finishing the task, so I followed the first idea that came to my mind without spending enough time investigating different options.
When it comes to chocolate, I prefer something as pure and dark as possible.
My sources depend on the geographic availability, usually large baking chocolate blocks (e.g. Callebaut) while in the US, and Latio while in Hong Kong.
When I need to tune down the degree of sweetness, I also mix up with 100 percent cocoa, e.g. Ghirardelli baking bar.
“Everything should be made as simple as possible, but not simpler.” – Einstein
When facing a seemly daunting, difficult, or complex problem, a good strategy is to simplify (in the sense of mesh simplification) the scenario as much as possible, during which the thought process can bring great clarify and insight.
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