By Time is the most precious resource. With the advancement in technology, it becomes more difficult to safeguard time. I am an iPhone user. After checking the “Screen Time”, the top 3 most used apps are WeChat, Instagram, and YouTube (Actually, the 3rd is Safari. But it is less likely to waste time in Safari). In …
New Year Planning: 2023
The planning takes a top-down approach. It starts with the principles that seem right to me and ends with the specific tasks. Reflecting on how I did planning, I put too much emphasis on the details of a specific goal without explaining the motivation and general theme behind it. Principles are relatively harder to change …
Travel Observations: New York City
New York is a state Friends send me news on winter storm. In New York City, there was little snow. I learn that the total area of New York State is 141,000 KM2. That of New York City is 780 KM2. Why East Coast is Colder Than West Coast I first landed on San Francisco …
Some Confusing Experiences in Self-learning Maths
Don’t ask me why I would self-learn mathematics because sometimes I feel like it is a waste of time especially when I found the materials difficult. I feel that maths is the foundation of today’s science, and therefore, important. I feel that I lack training in maths. Not that I don’t know how to do …
Russell Paradox
This is just a sharing of an interesting paradox. I am definitely not an expert in Set Theory. If you want to learn more about the paradox, you may refer to the formal text on Set Theory. Consider the barber paradox in the picture above. The question asks “who shaves the barber?”. There are two …
The Computations Behind Time Value of Money Formula — fv, pmt, nper, pv and rate
Most financial professionals are familiar with the concept of the time value of money and the respective formulas to derive the future value, present value, rate, etc. While Excel, Google Sheets, or financial calculators offer convenient functions, not every one of us knows what equation is being solved and how it is solved. I read …
Psychic Income, Real Income, Money Income
I got Covid this week and still tried to keep doing something else apart from my work. So, I continue reading the book The Theory of Interest by I.Fisher I think I have never thought of defining income. What is income? Income to a labourer like myself means the money or just some numbers received …
Why is there an interest?
I am currently working in the lending business. We charge borrower interest. Recently, I am tasked to work on PnL, and interest loss. But I have little understandings on interest. Why is there an interest? What is interest? How does it determined? The questions came into my mind when I am doing another search on …
Never Split the Difference: Negotiating As If Your Life Depended on It.
The book is written by Chris Vos, a formal FPI hostage negotiator. That’s why the book titled “Never Split the Difference” since in a hostage situation, you cannot say: give me 2 hostages, you can have the rest. I remember the negotiation class I took as a first year business school student. I forgot most …
茶餘飯後：當人類有用之不盡的能源和有機器代勞時，我們還要工作嗎？
今天週日，晚上和室友到外面吃飯的時候聊到了能源的話題，尤其是最近新聞常常報導的核聚變，聽起來如果成功的話，人類將會有用之不盡的能源，加上人工智能的發展，機器代替人類工作指日可待。我不是這兩方面的專家，甚至對核聚變是什麼也不是很了解，但是就算有這樣的好科技，我相信我們還是要工作的。（可以理解，不用工作是一個大家非常嚮往的事情） 在這個烏托邦，所有的東西都是從天上掉下來，世界這麼美好，家庭和睦下，出生率應該會上升，慢慢的天上掉的餡餅也不夠分了，競爭變得激烈，大家生活就沒有從前那麼無憂無慮了。但是，也有可能天上的餡餅也是無限的，就算人多了，還是夠分。如果掌握核聚變技術，和人工智能技術的國家，公司和人，都是不求回報的，那麼能源和機器生產力，確實可以依照人口來調節，而不用增加平民的負擔，不過這不太可能吧。那麼如果機器自己掌握了核聚變技術有無盡的能源，還懂得自己生產，機器是不是會依據人口，來分發餡餅給人類，人類就永遠不用工作了？但是，為什麼聽上去像是養豬一樣。
