Categories
Software development

My impressions on Copilot

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Last Updated on November 12, 2025 by stlplace

Code Review

At my current work place recently we switched from Atlassian’s Bitbucket (stash) to Microsoft’s GitHub for our source code version control system. Along with that, we get the GitHub Action (which is somewhat like Jenkins, the CI/CD tool) as well as Copilot Code Review and other Copilot tools.

Let me talk about Copilot Code Review first. In general I say it’s pretty good, with its quick human readable overview or summary for the code change. I think it’s probably better than I would write myself: if I ever have to write such a summary.

Now, the code review comments. There are various levels of comments in terms of severity. If you have done any code review, you will probably know quite a bit of suggestions or feedback are subjective, because coding is still not exact science, or like some of the other disciplines such as Mechanical Engineering. I will categorize the comments below:

  1. Nitpick: Copilot actually says that word. We can ignore those.
  2. Format or spacing, we can accept the suggestions, and commit directly. That’s probably the only place we can directly commit.
  3. Other suggestions: I think most are valid. And we should try to incorporate them in our coding. For example: things around better error handling, more robust code, efficiency, break out functions from common code (copy and paste code), and so on. This including feedback on the unit testing too. One thing to keep in mind, always run unit test or debug the code changes before we commit, don’t just commit the code change in the web browser. Because I learned the lesson hard way: I commit code directly, then I realized that I broke the CI (continuous integration) build.

Coding Assistant

My own exp: I have done a bit experiment on this, both via the Copilot inside IntelliJ and VS Code. I will continue use Copilot. Somewhat like code review suggestions: coding assistant (or Q&A) is not AI does the coding for us, we still need to think about the usual stuff: design, testing scenario, debugging, and so on. Again we can think copilot as a colleague or a coworker in pair programming, but we always need to verify in addition to the usual “trust”.

I noticed one approach that one coworker was using. Ask Copilot questions, and use the answers directly, and so on. It seems to me this is a bit like a junior engineer’s approach. And I can see one downside of this approach, see below picture, original source: this is a joke but it has some truth.

I have done similar things in the past, except before all the AI tools, I was mostly googling, including using answers from stackoverflow.

Categories
401k and Personal Finance

New Roth Catch-Up Requirement for certain employees in 2026

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Last Updated on February 17, 2026 by stlplace

Received below from the HR department of the company I am working for.

New Roth Catch-Up Requirement
Starting January 1, 2026, a new rule under the SECURE 2.0 Act will impact how certain employees can make catch up contributions to the Enterprise Holdings Retirement Savings Plan.


What’s Changing?
If you’re turning age 50 or older in 2026 and your total 2025 FICA wages (Box 3 on your 2025 form W-2) are over $145,000, any catch-up contributions you make in 2026 are required to be after-tax Roth contributions.


What does this mean for you?
If your FICA wages are over $145,000 in 2025, catch-up contributions must be made as after-tax Roth contributions in 2026. This will be done automatically thru our payroll department.
If your FICA wages are $145,000 or less in 2025, this regulation will not apply to you, and no changes will be made to your catch-up contributions.


What are Catch-Up Contributions?
Catch-Up contributions are extra contributions that participants aged 50 and over can make into their retirement plan. Participants 50 and over can contribute $7,500 above the standard limit of $23,500 (for 2025), and participants aged 60 – 63 can contribute $11,250 more than the standard limit (for 2025).
Effective January 1, 2026, catch-up contributions will be automatically made as after-tax Roth contributions for employees whose FICA wages were over $145,000 in 2025.
If you do not want to make Roth catch-up contributions in 2026, you will need to change your 401k contribution rate to 0% before you reach the 2026 standard limit. The IRS has not announced the 2026 standard limit yet; however, it was $23,500 in 2025.


What are Roth Contributions?
Roth contributions are after-tax contributions, which grow tax-free and can be withdrawn tax-free in retirement, as long as five years have passed since your first Roth contribution, and you have attained the age of 59½.


Steps you can take now
• Talk to a financial or tax advisor to understand how this change may affect your retirement strategy.

References

2026 Retirement Plan Contribution Limits and Catch-Up Rules (Mercer Advisors)

Categories
Stocks

Ingersoll Rand

Reading Time: < 1 minute

Last Updated on November 5, 2025 by stlplace

I happened to receive an IR email from Allegion: upon further look, I realized it’s a spin off of Ingersoll Rand (I talked about IR here and here). That’s probably the time I bought the stock. I sold the IR stock long time ago (I cannot recall and don’t have a record).

Since then, the original Ingersoll Rand spined off Allegion PLC (NYSE: ALLE) in 2013. The tools business of original IR was spined off as Ingersoll Rand (stock ticker is IR). And the remaining business is mainly Trane and Thermo King are called Trane Technologies with stock ticker TT.

So one S&P 500 company essentially become 3. I don’t know if I have hold on to the stock, how much return is that? Recently I had similar experience with Honeywell and they spun off material business as Solstice.

Separately, I recall I had an onsite interview with IR in Feb 2005 (per my yahoo email), in New Jersey. They didn’t extend me the offer after interview.

Categories
America Economy

US Economy entering recession soon?

Reading Time: < 1 minute

Last Updated on November 12, 2025 by stlplace

(Update 11-12-2025) Lower-Income Individuals ‘Already in Recession,’ Says Atwater

(Original) It seems the US economy is increasingly two sided or two tiered: the haves and the have-nots. But now, it seems the haves may have some trouble too.

(NBC News) From fast food to beverage giants, brands see rising income inequality among customers with subtile “Consumer brands are adjusting to a two-tiered economy as the new normal. Yet there are signs that even high-income customers are under pressure.” And may I quote one line there – “This suggests that even a well-paying job is no longer a reliable source of financial stability compared with owning assets like stocks and real estate.”

I recall Warren Buffett or Charlie Munger once said: if you don’t make money when you sleep, you will work until you die. That quote is applicable here.

Yahoo Finance has an article – ‘A little concerning’: 2 crucial consumer groups under pressure are a warning sign for US economy that echos the two tiered economy.

Categories
Life

Let’s all try to be human

Reading Time: 3 minutes

Last Updated on November 14, 2025 by stlplace

(Update 11-14-2025) Warren Buffett Thanksgiving letter 11-10-2025 in PDF. You don’t have to be a BRK shareholder to benefit from it. He was talking about life in general, with his 95 years of life wisdom.

(Original 11-02-2025) 在美国,如果你对别人比较友好,一般来说我们的用nice 这个词 (google nice definition, note the AI overview): e.g., she has been nice to me. She is nice.

但是稍微再深入一下,其实我们真正想用的具体的词是considerate (google considerate definition). 或者说has empathy (恻隐之心)。Or try to put in other people’s shoes.

巴菲特说得更简单。他说:if you are lucky in life, try make other people’s life lucky too. 心理学里这个叫reciprocal, 你对我来说nice, 我也会对你nice。巴菲特说得更广义一些。

In my 28+ years stay in the USA, I think overall I received much more than what I gave. Simple ones such as people pushed my car during snow. Interviewer at Ingersoll in NJ saw me stuck in the conference room all day, offered to walk with me in the cafeteria so that I can stretch a bit.

Similar is applicable in China, I recall in my college days, the travel from college (Wuhan) to home (Ning’bo) then back, during the spring festival season is always rough. I wrote a Chinese blog post on it – I pasted the relevant section below.

======

有一次在南昌转车,好像是南昌到北京的车(经过武汉)。不光没位置,而且连站的地方都没有。火车还在株洲还是武昌附近弄了很长时间的临时停车。记得当时一个武大还是华工科英的88级的女生给削了一个苹果,印象很深。在火车上基本上不想吃东西,也不怎么喝水。当时火车挤到什么程度?不知道80后,90后的同学有否体会?一个厕所里站了7个人,有个女孩想用洗手间,叫里面的男生出来一下,女生背对。结果没人响应,只能再挤一节车厢。

======

Once on the way back to Wuhan, the train was extremely crowded: I could barely find space for standing. And I didn’t want to eat or drink for the fear of using restroom. I recall a girl went to the bathroom, there were 7 people there again because the train is so packed. She asked for guys to turn around, so that she could use the bathroom. I also vaguely recall she went through another carriage for bathroom. For me, my best memory of all this is a girl from Zhejiang province, I believe she was from Dong’yang, and she is a college student at Wuhan University, one year senior than me, and she gave me an apple with skin peeled. She doesn’t have to do this. But she has a lot empathy to say the least. Just recently I had opportunity to help a younger friend from Dong’yang, here in STL. I told the friend this apple story.

In Chinese, 中文讲解,不完全相同的内容,但是大意差不多,油管视频在这里。About 11 minutes long. 哔哩哔哩的链接在这里

How far do we go in term of help others?

Note it’s more than 举手之劳 (jv shou zhi lao). I think in that case, we should take care of yourself 1st and say NO if applicable. But a lot of times it’s really quite simple, like things I mentioned in the video above. Giving smart. I recall 20 years ago, once I was in Shanghai, a bunch of kids (panhandlers) asked for money, being away from China for a while, I was not aware of the potential downside of giving money to one kid. Because as soon as I gave a coin to one boy, probably 5 or 6 boys also asked for money 🙁

PS:

I recall an Uber driving experience I had on 01-23-2025. And let me also copy/paste it here.

=================

A bit unusual Uber driving experiences this morning. I picked up the ride during my 1st trip. Just as I was going to pick up the passenger for this particular ride (2nd trip), the Uber platform told me the passenger doesn’t do text, via a medical (care) coordinator. I arrived the apartment, did call, text to the number given by the platform. No response. But just as I cancelled the trip, and ready to leave, I saw the passenger – an old woman with cane. She is going to the Mercy Hospital in Creve Coeur. The parking lot for the apartment is both icy and slippery, and I slipped, and almost fell. She said she was just locking her door. I said: okay I will take you. I drove her to the Mercy Hospital which I briefly worked for 18 months between 2013 and 2015. She said she didn’t eat breakfast – somehow, she reminded me of my grandma and my parents nowadays (as they are aging).

=================

Categories
advice and tips Life Tips

Restart green tea and cut coffee consumption

Reading Time: < 1 minute

Last Updated on November 2, 2025 by stlplace

After quitting alcohol, I am substituting some of my daily coffee ☕️ with green tea 🍵. I tried to cut off coffee completely in the past too. But it seems coffee is a more addictive substance, at least to me, because I would get headache in the afternoon if I didn’t drink the morning coffee. So right now I am only moderating coffee consumption.

Also probably more importantly I believe longer term green tea will be better for my health.

As I read the benefits of green tea from food and wine magazine via Apple News: “

Turns Out, One Simple Drink Could Be the Key to Better Sleep, Sharper Focus, and a Happier Mind

According to new research, this centuries-old beverage supports long-term brain health by dialing down inflammation and balancing hormones, leading to better sleep, steadier moods, and sharper focus.”

Categories
Fun Life Music

你是明日意义

Reading Time: 2 minutes

Last Updated on February 22, 2026 by stlplace

“你是明日意义”这首歌是“漂洋过海来看你”的粤语版。作曲是李宗盛,作词是陈少琪(Wikipedia)。歌词在这里。原唱是香港歌手黎姿(Wikipedia). “漂洋过海来看你”的作词也是李宗盛:下面有一段花絮。如果你只想听歌,scroll all the way to the bottom.

漂洋过海来看你

这首歌我估计我的同龄人绝大多数听过:当年应该是大街小巷都在放的歌。我看了一下KKBox,这首歌是1991发行的。原唱是台湾歌手娃娃 金智娟 (WaWa)

下面我从百度百科金智娟摘抄一点:

============

1990年,金智娟与一位北京的舞蹈老师一见钟情,当时台湾到北京还没有直航,因此为了看他,金智娟从台湾辗转飞到香港再到北京,每当朋友问金智娟北京的样貌时她都说不知道,因为她每次去北京都只去她男朋友的卧室。李宗盛在听到金智娟的这段故事后,便决定开始创作这首歌。当时李宗盛在吃牛肉面,桌上垫了张餐巾纸,翻过来便开始创作歌词,花费了15分钟便创作好了歌词部分。

============

百度百科李宗盛 上有类似的故事。我今天才发现同样一首歌,不同的歌手有不同的百度百科网页。

我的读者们:你有没有“漂洋过海来看你(去看她/他)“的经历呢?😂

我就有。比如说 – 这里是故事的英文版2007年三月初这一次美联航芝加哥途经北京到上海;中文版在这里。途经北京的原因是因为那天圣村下大雪,飞机航班延误,我到了芝加哥从芝加哥飞上海的航班已经起飞。我就恳求机场和飞北京航班的工作人员让我在北京转一次,芝加哥直飞北京,再坐国航航班到上海虹桥机场。国航和美联航是合作伙伴。我应该告诉她们我是到上海 see my girl friend (who is my wife now). 她们最后开了恩:重新打开机舱,放我进去。

我刚才还注意到一个比较碰巧的事情(coincident ):那就是我们的大女儿是这一篇07年3月博客的整三年后出生。

油管:娃娃(金智娟) WaWa【飄洋過海來看你】Official Music Video劉明湘 Rose Liu 版本

苹果音乐 (潘越雲& 彭佳慧)

Spotify (Rose Liu)

有点意思的是,我印象中,刘明湘大概是美籍华人里面,唯一有点名气的华语歌手了。最近我突然注意到马拉西亚华人里面有不少好的华语歌手,包括写歌谱曲很厉害的人:比如说戴佩妮光良梁静茹李幸倪。感觉中文的文化传承方面,在美国的华人可以好好学学马拉西亚华人。

你是明日意义

我感觉这是一首比较小众的歌,但是同时我个人感觉很好听。我最早是听Ayen何璟昕翻唱的。我在国内淘宝网上让朋友买了她的翻唱U盘: it works on my Toyota Camry 2020, and I can listen to it via my iPod Nano I bought in Nov 2012, and this swimming headset

我记得在我读大学的时候黎姿至少是小有名气的。好像是她后来有不少变故,没有继续唱歌。I did notice on her Wikipedia page, she had a rough time growing up.

黎姿-Wikipedia page-感情生活

It appears to me 感情生活 section is a bit long? 😭

This is very unfortunate. Ideally we don’t want overly complicated love life, I am saying it from my personal experience and observations. And as a dad.

如果是更有名的歌手比如说林忆莲来原唱这一首歌,这首歌会不会更火一些呢?I don’t know.

我后来又想了一下:一般来说国粤双语的歌会有一首更流行。漂洋过海来看你应该是先发行的,一般来说先发行的话有先入为主,或英文叫first mover advantage. 第二个原因是国语版词作者李宗盛比粤语版词作者陈少琪更有名。一个类似的例子是齐秦的外面的世界和黄凯芹唱的粤语版青葱岁月(我也是今年才听到)。

但是我知道有粤语版跟国语版都很流行的例子,比如说王菲 – 愛與痛的邊緣 (有多少愛可以重來 粵語版) Acoustic cover|粵語歌吉他彈唱|Ayen何璟昕, 王菲 Faye Wong 愛與痛的邊緣, 和迪克牛仔 – 有多少愛可以重來 (Official Video)。(Update 12-9-2025) 洋澜一 ~ 有多少爱可以重来 2023 08 16 (she sang the mandarin version 1st, then followed by the cantonese version)

Also 人生何处不相逢 + 最真的梦 |国粤双语 Acoustic Cover (link is from YT Shorts). A longer version from Ayen via Bilibili is here. 人生何处不相逢原唱是陈慧娴(Bilibili 链接);最真的梦的原唱是周华健。

还有,在今年之前总的来说我粤语歌听的比较少,因为粤语对我来说基本上是外语。大概半年多前我开始在多邻果上学粤语,我估计我现在粤语可以听懂25%左右。一个有点好玩的事:最近我听陈慧娴原唱的跳舞街,旋律有点耳熟,但是我听不出歌词和歌名。我问了Shazam(这边可以猜歌名的App), Shazam也不行,但是谷歌(Google) app 帮我认出来了。

我在苹果音乐没有找到黎姿唱的“你是明日意义“的版本。我只看到一个叫粤语小林哥男生版:我个人还是比较喜欢女生版。Sorry 小林哥,no offense 😂

但是油管上有黎姿唱的版本哔哩哔哩上有据说是从油管搬运过来的视频

我刚才突然想到,这歌如果学会了可以唱给我的孩子们听(this is a BIG IF though)。我知道一是我不会唱,她们现在听粤语应该是不可能的。但是语言这东西,越小的时候学,就越容易。前几天跟我读高二的大女儿在车上聊,她说读写方面,她的西班牙语已强于汉语。现在她的汉语听说比西班牙语还是好一点。有时候在商店里她会故意跟我讲汉语而不是英语,这样一般人就听不懂我们的话😂