Categories
uber-and-side-hustle

Uber driving tips

Reading Time: 8 minutes

(03-01-2025) I just realized today is Madi Gras. This morning I drove 3 trips. First trip: from Rock Hill (near old Warson road) to Kirkwood. 2nd trip: from Kirkwood to South County. Last trip: I drove back to CC, drove a gentleman across the Olive road, from the Courtyard Hotel to the office building across the street. The last trip was worth the money as I needed to come home.

I also had a minor issue when the train was blocking the Geyer road. I had to use Apple Map to make a detour, before switching back to Uber Driver app. This is the 1st time I used Apple Map instead of Uber Driver map for navigation because of road/traffic condition.

At about 1 pm, I also realized it was Madi Gras celebration and no wonder the Uber Driver app shows quite busy and surge prices in many areas. And I also recall my passenger brought beer to friends’ house and he sounds like opened the beer can in my minivan – I didn’t look whether open drinking in the car is legal or not (many years ago I heard from friends who have lived in NY saying it’s illegal in NYC).

(02-16-2025) I drove 2 trips today. One in the early morning, and another one between 10 and 11 am when I was taking my 10 year old to her drawing class (I didn’t have much to do, plus it was too cold to walk outside today). I didn’t know or anticipate we would have snow overnight. The first trip has two legs, the 1st one is from near the Costco Business Center (St. John) to Maplewood (the lady dropped her kids there), then from Maplewood I drove the passenger to a senior living home in the Tower Grove neighborhood where the lady worked for 12 years so far. It’s on Magnolia road, north of Tower Grove park. So overall my minivan has been helpful because I carried 4 people for the 1st leg of the trip (the longer one too).

(02-14-2025) It seems Uber is getting cheaper comparing my Uber trip to airport back in 11/27/2019 vs today I drove a passenger to the Airport (comparable location). I cannot ask passenger how much she paid, but I am using 40% for Uber’s cut. $9.42/0.6 + $3 (tip) = $18.70. In 11/27/2019 I paid $21.48 for trip from my home to STL. I realized one factor: the trip starts at 4:46 am (vs 7:12 am). Bogleheads has a thread too.

Perhaps more importantly, I picked up a trip when I was near the airport, and now I realized it was not worth my effort moneywise, it’s from 63121 near highway 70, to St. Mary High School in South City: 16.5 miles and 28 minutes one way, my fare (earning) is $14.41. Note the plus side – I got to see or drive some of the places I haven’t driven until today, from the north county, north city, downtown (gateway arch) to the South City. I saw the Love gas station, the factory or warehouses, 1st time driving into downtown from highway 70, and transition to 55. Many things look pretty impressive: including the Budweiser plant and the St. Mary HS.

I should probably stick to my one trip a day pledge 🙂 || The reason I turned on the “accept new request” thing is I thought I may be able to pick up a trip starting from airport, after the drop off, it happened to me once – but I guess that kind of luck is rare.

(02-10-2025) I continued Uber driving this morning. I got a repeating customer. Note on Uber a rider cannot designate a driver, but he/she can choose service (Uber X, Uber XL etc.) and so on. The matching part is determined by the system (platform). I think from now on, on weekdays, I am going to just do one trip in the morning (with the exception of airport ride). I am also going to just accept the pickup within 10 minutes of driving.

(Update 02-09-2025) I resumed my Uber driving today. From now on, I will probably only drive on Saturday and Sunday, couple hours at most each day.

(Update 02-08-2025) More about Go Go Grandparents ride (here is a reddit thread if you are interested). Now I recollect, the Go Go Grandparents people kind of tricked me in some way, because initially it was a ride for $4 or $5 and it’s a one way trip (probably from the old gentleman’s home to the McDonald’s at Maplewood, off Hanley road, near Home Depot store). Then once I was on the way (after took the rider), Go Go Grandparents updated the trip, so that I can also bring the gentleman home: made it a round trip. The total is about $7. But because the rider asked for extra stop at the gas station, and I need to help him get off the car, back out my car, etc., it made my 2nd already booked trip a bit late – it’s possible the rider for 2nd trip gave me a score of 4 because of that.

A side note of this is: the starting address is across the street from the real house the gentleman was living in (because I drop back to his home, and I have the address, which I dropped off his phone later, btw). I don’t know why the discrepancy. The house was a bit run-down, which seems to match the old gentleman’s life stage. I saw broken down car in the backyard. Next time, if I ever encounter similar issue (lost item in my car), I would take a picture so that it would help me resolving the issue.

Before the trip on 01-28-2025, I did two trips that were either Uber Health or called by people like Go Go Grandparent. I mentioned one on 01-23-2025 (see below). In another case, I just drove a gentleman (a veteran) from his home to BJC in central west end. I don’t mind drive people for medical appointments etc., but from now on 02-09-2025 I will probably just drive on weekends (leisure time), as well as not taking Go Go Grandparent (not sure how best to distinguish/decline).

(Update 02-03-2025) Rideshare Safety Tips: A Complete Guide

(Update 01-28-2025) Once again please be aware of Uber Health – or those rides arranged by the Caregivers. I got such one again this morning: the ride is taking a gentleman to McDonald’s, order food, and take him back. On the way back he asked me to stop by the gas station: he said he left his debit card there last time. I did him the favor in terms of the extra stop. I also helped him the food and drink during drop off to his home. But he forgot his phone (left it on the seat) in the end. I had to make an extra stop and drop off his phone after I drop off my 2nd passenger. Last but not least, it seems between them I got a 4 star. Later I got a call from gogograndparent (FB page for GGGP) that they are the Uber coordinator. It went to my voice mail as I usually don’t pick up phone from stranger. Looks like they are Chicago based.

This is probably going to be my last Uber driving for a while. I am not overly concerned about the phone itself, but it seems there are quite a few caregiver responsibilities that comes with this kind of Uber driving. Also the customer service stuff (which I got a glimplse when I worked for Mastercard). I think ideally I want to be like the Costco and pick the ideal customers.

Now I am thinking about becoming real estate agent next (part time though).

(Update 01-23-2025) I did a few more trips this week, including during the deep freeze (Sunday to Wednesday morning). I feel some people are appreciative: e.g., on Sunday I dropped off a caregiver from apartment near my home to Delmar Garden, a senior living place near 141 and 64. The lady told me one driver bailed on her: she gave me $5 tip. Yesterday I drove a lady from her home to dental appointment: she gave me $5 tip too. Another trip was for a WUSTL undergrad (senior) from his home to medical school. The day before it was similar: drove a nurse from Mercy Creve Coeur campus to her apartment; then drove a medical school student to WUSTL medical campus.

This morning, I declined a few far out of way trips (I think it’s a bit too much if I need to drive 15 to 20 minutes to pick up someone, via highway). I picked up a lady at Westport and drop her off STL Lambert International airport. On the way we stopped by the Panera Bread at Westport (at her request). She gave me $7 tip.

Today also marks the day that I drove 100 trips (I started on 10-13-2024, as shown in my blog post here). Technically I think it’s 101. As I drove for an old lady after I cancelled the trip because she didn’t respond in time. Uber did give me the money via adjustment later on. Below was the story on Jan 13, 2025 (note the temperature was low, but more importantly road condition was still not perfect after the snow storm).

A bit unusual Uber driving experience 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).

(Original 01-18-2025) Last Sunday, as I dropped off one passenger on United Airline gate, the next ride came. My lesson learned: keep the Uber Driving app online. In the past, sometimes I turned off new request when I drove into airport dropping off passengers.

This evening, I dropped off a friend at Southwest Terminal 2. But the Uber Driving app told me to go to the STL waiting lot. I was hoping to get a ride right there, and I was not going to waiting lot.

Some safety features for the drivers

Don’t drive during the night, or early mornings, basically when it’s dark outside. Quite recently, once I woke up early, it was New Year’s Day (01-01-2025), as I drove around for Uber, I picked up a ride for 2 guys. I was not 100% sure what those 2 guys were doing, I suspect they were drinking and f?!x around, as I heard a bit of their conversation re: women etc. I have zero intention to learn their business. There was a small incident during pickup too, I parked, one guy came aboard: he took the seat behind me. Just as I was pulling off, I saw another guy pull my door or knock on the windshield, asking me to stop. Turns out he is another passenger. The ride was not eventually, until the end, turns out two guys have a slightly different destinations: one guy lives about one mile from another. They did give me $10, and after my Uber ride is over, I used Apple map for navigation dropped off the other guy. Note Uber does allow for multiple stops and they are probably not sophisticated Uber users and didn’t use this multi stop feature.

Set the minimum rider star rating (score) to 4.5, unfortunately we need to do it every time we go online. I used to set minimum to 4.5, but the article says Any lower than 4.6 could be a potential issue, because it’s at this point that Uber can consider deactivating your account.

I saw from this Reddit thread one driver says 4.85 for Uber. But I also saw some passenger’s rebuttal. Just copy one back and forth below:

======

Driver: Anything under a 4.8 is a no-go. 10 years driving rideshare.

Rider: I am 4.79, always respectful and tip well. Just had a few too many drivers give me a 4 instead of a 5. The rating system is BS and you are losing money by rejecting perfectly good passengers. Now if someone had a 4.2 or 4.1, I’d understand why you wouldnt pick them up.

======

Go offline if we are not familiar with the destination or area: I did this once at East St. Louis. I didn’t realize the ride was going to East St. Louis at the beginning. It appears a security guard was getting off work at Clayton and went back his home in East STL.

I will add more as I think of some more tips.

Last but not least: some other blog posts I wrote re: Uber driving

More Uber driving and tips I learned

Drove for Uber the 1st time – 我在美国开优步

Uber Official YT Channel – Earning with Uber

Categories
advice and tips kids

My younger kid’s Roblox AdoptMe account got hacked

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Around November 5 of last year (year 2024), my 10-year-old’s #Robox #AdoptMe account got hacked, and most of all her virtual belongings were gone. My thoughts in Mandarin Chinese via YT.

(Nov 12, 2024) Some random thoughts on the security online including the kid’s Roblox games and adults FB activities. A few weeks ago, I was a bit surprised to find out my younger daughter’s #Roblox account was hacked, and all her virtual goods and points in her AdoptMe game were stolen. I had some responsibility because she used my Gmail as the registration email and I didn’t promptly go to her account shortly after I receive an email alert that morning (someone in Kazakhstan logged into her account).

On Nov 11, I realized one post in one FB private group that I am an admin, was actual spam, about 10 days after I saw it. The scammer was trying to sell some t-shirt (spirit wear), from 1st look, appears to be legit. But after some reasoning, I determined it was a scam. I banned the offender along with 2 more similar offenders.

A few weeks ago, during the winter break, I enabled the two-factor authentication for her Roblox account, after another incident in which someone tries to break into her account when she was playing the game on iPad.

Categories
401k and Personal Finance advice and tips Edu-and-Ladue-School kids

More on 529 plans

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About 14 or 15 years ago when my old daughter was new born, I saved some money and put it into her 529 plan. About a year later, I wrote this blog post Some questions about 529 plan.

I haven’t put in much new money into her 529 plan since the early days, and for our younger daughter I did open an account for her, but I only put in couple hundreds dollars. I know I know: but it’s not because we favorite one daughter over another. It’s mostly because the money is tight, and I think 529 plan had one downside: the money can only be used for higher education (college etc.). For me flexibility is important as I was also thinking about retirement – I mean quitting my 9 to 5 job, and potentially do something else I would enjoy more: and potentially with a smaller paycheck too.

529 plan had some change to the rules recently. This is a big one: You can now transfer some 529 amounts to a Roth IRA.

Note I am late to the Roth IRA party too. Actually I opened a Roth IRA (my first) at Robinhood App last year (after the tax day). So my one year anniversary will come up this April 🙂

College cost, along with healthcare cost and housing are top three most expensive things Americans pay in last 20+ years. If there is anything we can alleviate or do, we should.

Traditionally I am under impression as in America 18 year old is considered adult (or beginning of adulthood), American parents share some college cost with the kids, in general or on average. I have seen two extremes: parents pay all; parents pay nothing. I also saw two kinds of students too: those who work hard and do their best; those who quit and had to drop their classes or get an “F”.

There is no one size fit all for the college cost (sharing cost, or not) among all the families. For me personally, I would try my best to pay off my kids (I have two) college cost (tuition plus living cost). Anything they earn: scholarship, part time job are icing on the cake.

That’s the main motivation factor behind my investing and uber driving (or other side gigs, ideally $500 an hour consulting will work out better 🙂

FAQs

Do I have to open 529 plan in my state (the state I live in)?

No. See this Answers to Questions about 529 Plans in Different States for longer answer.

What state plan do you recommend?

Ohio 529 collegeadvantage plan. Sorry show me state 🙂 Also you may want to look at the answer to the next question.

What are the best 529 plans in 2025?

Forbes thinks those are the best.

What if my kid is already in high school?

Better late than never in terms of saving. However, you do need to think about the investment options, your tolerance for risk and market volatility, etc. I know for my better half (my wife), she is pretty much risk averse, and hates volatility. So in those cases, you may consider the bond investment options vs. stock mutual fund.

Categories
advice and tips Fun kids Life Software development

Reflections and moments in year 2024

Reading Time: 3 minutes

Travel Mishaps

One of the most memorable moments in 2024, for me at least, we already checked out the hotel in HK and got on the taxi to the airport, then our 14-year-old said, “I left my hoodie in the closet”. We already checked out thus cannot go back to the room directly. Had to use a concierge service. It seems took forever when we waited there. The real time is probably 20 to 30 minutes. We tipped the house clean staff who retrieve the hoodie 100 HKD. Same for the taxi driver. Adding them up it’s probably $20: I think we paid that hoodie a bit over $20 at the Plato’s Closet. But it’s not about money. I remember this because my wife was furious (more than anxious) when she and our 10-year-old waited in the taxi. The younger taxi driver drove fast to the airport (we did make sure we have enough time even with this mishap).

Presidential Volunteer Service Award (PVSA)

One of the proud moments as a dad: our 14 year old Serenity received the Presidential Volunteer Service Award 🥇 on December 31, 2024. Pictured below: she is receiving the certificate, the congrats letter from President Biden, and the Gold award pin from Rick Skinner, who represents the United Way of Greater St. Louis, the verifying org for this award. We (my wife and I) are thankful for all her teachers, from toddler program and pre-schools (pre-K), from Kindergarten to high school at the Ladue School District, her coaches and teachers who helped her in her extra curriculum activities: for teaching her the right things. I know sometimes I didn’t teach her or show her the right thing 🙁 . Her friends over the years too. Thank you all! And we hope she keeps up the attitude and efforts 🙂

My Panic Moment

I had my share of moment at work. One evening, I was acting as the technical lead representing the development team during our production deployment (rollout). I noticed an issue after the system engineer made the server configuration changes and restart. I quickly realized why: instead of adding a few parameters in the middle of the server start configuration, the system engineer did a replacement – in other words, he removed all the parameters from the location where we intend to replace until the end. And he repeated for multiple nodes/servers without confirming any node/server change with me 🙁

This could potentially cause longer outage as we planned, and could drag out our change windows from 2 hours to 4 hours or more. Luckily, the junior system engineer called his colleague who is much more experienced, and he came out and fixed the issue in under 20 to 30 minutes and saved the evening 🙂

The lesson for me here is making sure always backup the server configurations – earlier I did make some backups (not all) after my project manager suggested. Always be open minded and listen to colleagues even when I think it’s probably not necessary at the time – because we never know it could be handy down the road!

Categories
Politics

War on terror 美国的反恐战争

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Horrible news from New Orleans – CNN 的文章。

我没有去过新奥尔良。十多年前我去过离她不远的阿拉巴马州的海边🏖️orange beach 和gulf shore。这次的事情发生在凌晨3:16,在新奥尔良最有名的闹市/旅游区。

2001年9月11日,纽约世贸中心双塔(最高的两幢楼)被基地组织劫的民航飞机撞上去,爆炸并倒塌。当时我在美国,我已在公司上班将近一年。不久以后,小布什在国会通过议案后,开始了美国的 war on terror 反恐战争: 先是带着一帮北约小兄弟轰炸并入侵阿富汗。因为当时阿富汗的塔利班政府不肯交出基地组织的头本拉登等人。2003年三月,又是在国会同意以后,”war on terror” 又进一步:小布什命令美军入侵伊拉克。世界第一军事强国美军拿下阿富汗和萨达姆的伊拉克军队,没有悬念。本拉登后来也被美军杀死。但是”war on terror” 没有成功,美军最后在死亡几千人以后,撤出伊拉克和阿富汗。昨天,2025元旦,被新的伊斯兰极端组织Isis同化的退役美国士兵(去过伊拉克),开着卡车载着💣在新奥尔良搞恐怖活动。小布什的伊拉克战争跟一千多年前的十字军东征有何差别? 在我看来不从历史中吸取经验是不少宗教极端主义的共同特点-这当然也包括美国基督教极端主义,和以色列类似的宗教极端主义。

十字军东征

以下来自维基 -(拉丁语:Cruciata;法语:Croisade;伊斯兰世界称为法兰克人入侵;1096年-1291年)是一系列在天主教教宗的准许下的战争,由西欧的封建领地主和骑士对被他们视为侵略者的伊斯兰政权(地中海东岸)发动持续近200年的战争。

以下来自百度 – 十字军东征(拉丁文:Cruciata,1096—1291年)是一系列在罗马天主教教皇乌尔班二世发动的、持续近200年的、有名的宗教性军事行动,由西欧的封建领主和骑士以收复被阿拉伯、突厥等穆斯林入侵占领的土地的名义对地中海东岸国家发动的战争,前后共计九次。十字架是基督教的象征,因此每个参加出征的人胸前和臂上都佩戴“十”字标记,故称“十字军”。

PS: Is George W Bush the worst US president in recent memory?

另:美国的反恐战争和运动/行动如此的虎头蛇尾,甚至于类似于另一项轰轰烈烈的时间更长的反毒抗毒运动,是不是也有因为有一些利益集团并不希望这些利国利民的运动真正地成功呢?因为对军火集团,监狱行业(美国有世界上最多的犯人,和最庞大的监狱系统,其中有相当数量的监狱不是政府的,而是公司拥有和运作的)等利益集团来说,只有现在这样他们才能赚大钱啊。

The cost of two wars: mostly economy

how much did the Afghanistan war cost (google search link)

Google Search Labs | AI Overview

The US war in Afghanistan cost over $2.3 trillion from 2001 to 2022. This includes military spending, reconstruction projects, and veterans’ care.

Brown University

how much did the Iraq war cost

The costs of the Iraq War are often contested, as academics and critics have unearthed many hidden costs not represented in official estimates. The most recent major report on these costs come from Brown University in the form of the Costs of War, which totaled just over $1.1 trillion. (Source: Financial cost of the Iraq War)

Categories
video

Car related YouTube channels I recommend end of year 2024

Reading Time: 3 minutes

The car and DIY channels that I subscribe to them and watch them often.

Cars and DIY

Waldo’s World: he is a young technician/mechanic/engineer who has fixed quite a few larger European luxury cars and other equipments (some are huge). I like his troubleshooting analysis, logics and approaches. Hint: not “parts fodder”. I watched some of his videos, including this Land Rover LR3 Project. It was a success, as you can see from near the end of this part 4. I never drove off-road, although I know some people do like it, e.g., some Jeep drivers and some ATV (Polaris and Honda came to mind) people like to go off-road.

Now I just realized, for a YT creator, making a playlist has almost the same effect as the Netflix “binge watching” a new series.

Some background: I studied engineering in my undergraduate. But I really didn’t have much hands on experience working on things so far, because I switched to my software engineer career about 24 years ago. I was usually impressed by people who are handy, basically any guy or girls who are hands on, fix things, or get things working. Things don’t have to complex. For example, last night at a friend’s house, I saw this Tramontina Induction Cooking System the first time. I wasn’t sure how it works: and googled 1st. A friend just took the pot and put it there, and it seems starts working. Another time, long time ago, I recall a fraternity brother took apart his Toyota Celica engine or something, and put it back (he is Mechanical Engineering major too).

So far, my automotive repair or hands-on experience is limited to replacing the batteries (for the Camry and Sienna), replacing head lights bulb. I did put on spare tire once (Subaru Forester, a while ago). I also diagnose the rodent or squirrel issue in my Sienna, and the gas cap (interfere with the sliding door) issue. For the former issue (rodent got under the hood, made a nest, and chew up cables etc.), I found the lint paper for dryer is the way to go. It appears rodent or squirrel didn’t like the small of that paper. For Sienna, I also empties some acorn shells from the AC fan (behind the cabin air filter) as I heard noise, ordered the new fan (motor) from Amazon, before i found out the noise was really caused by the left over acorn shells.

I like to learn more, and if not working on the European luxury sedan (which seems hard to ramp up that skill), as a minimum I like to do more more to my Camry and Sienna: replacing cabin air filter may be something I will do.

The Car Care Nut: the founder is an immigrant from Iraq, and he is also the owner of TCCN Automotive (Chicago Suburb). He is Toyota certified master diagnostic technician (highest level among Toyota technician community). He is probably one of the car channel on YT that has highest subscribers. He started the channel during pandemic (due to shutdown), and later he started his own shop as the US quickly reopened. He is also quite technical. He occasionally did review of other Japanese brand including: Mazda, Nissan and Subaru. But the main focus of the channel and his shop are still Toyota and Lexus.

Royalty Auto Service:

I found this channel recently. He is also pretty good. Some of the videos I watched:

Ranking The Top 5 Least Expensive Vehicles To Maintain That We Work On At Our Shop!

Ranking The Top 5 Most Expensive Vehicles To Maintain That We Work On At Our Shop!

Single Dad Opens a Repair Shop – His Story

The 3 Biggest Scams We See In The Auto Repair Industry

It’s Time To Talk About Extended Warranty Companies! (I tend to agree, also from my personal experience I only bought extended warranty once, and felt it’s not good use of the money).

How To Find A Great Auto Repair Shop That You Can Trust!

Chinese 中文

Below are all technicians. And they speak in Mandarin Chinese. I believe they are all from mainland.

小韩修车:“入行十几年的修理工,分享汽车维修知识🚗🔧”

小徐的汽车生活:“我将在这里分享我的日常汽车维修工作,分享二手车整备的过程与汽车相关知识。”

车二哥说车:“大家好,我是车二哥, 我是一个干了16年的汽车修理工。。。”

Pundits or Journalists 媒体和记者

Note I prefer technicians or engineers (hands on, handy, DIY) over pundits or theories.

北美张小车

AutomotivePress: I noticed him from The Car Care Nut

savagegeese: I think I came across them both independently (cannot find the Mustang mach e video for some reason), and also from The Car Care Nut

Categories
401k and Personal Finance advice and tips gadgets

Cheaper iPhone deals

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I’m talking about the unlocked iPhones. Because I don’t think the carrier promotions are “cheap” in the sense they usually make the money back from the monthly fees, and then more.

I can think of a few places, some are probably cheaper, but I am not 100% sure about the quality (especially the battery life for the refurbished iPhones). Below are the two places that I trust.

New iPhones at Apple, SE and 14 are two cheaper choices. Personally I think 15 or 16 are probably the better deals.

If one has the Chase sapphire or freedom credit cards and has some Ultimate Rewards (UR) points to spare, from time to time they have promotions for Apple products in the redemption center. It’s another way to get brand new iPhone. Note this may not be the most cost effective way to burn the UR points. But if they do promotion: it means 1 point is worth 1.25 cent during the redemption. If you travel, and could use the UR points, try to use the points there as 1 point is usually worth 2 cents or more there.

Personally I have used UR points for a few iPhones in last few years.

Refurbished

In the order of quality guarantee (top to bottom).

Refurbished iPhone at Apple: it seems they don’t have a lot of iPhones in stock now. Most are the larger or pro models (which are usually more expensive).

Other two places I am aware of refurbished iPhone: eBay and Amazon.

This somewhat reminds me of the preowned certified Toyotas I bought in year 2013 and year 2022.

Insurance

Do we need insurance? I usually insure it by myself (you may read this post if you have some time). Personally if I need insurance: I would buy from Apple instead of the carrier.

But this again reminds me of the one time I bought the “extended warranty” for my 2012 Toyota Sienna (preowned certified) from the dealer. Most of those are not necessary. In the case of iPhone, no pun intended, buy a good case from Amazon is probably the only insurance you need.

Comparing iPad Air and regular iPad – Update 01-04-2025

deals (dealsea iPad) – I end up bought the 11-inch iPad Air from Amazon. It should come in about 10 days and I plan to use it for Kindle, Apple Intelligence etc.

Reddit – iPad Air vs iPad

Google – iPad Air vs iPad

Apple – Compare iPad Models

Categories
advice and tips Saint Louis

Not all urgent care places are equal

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And personally, I am not happy with Mercy Go Health

First some background. There are 3 urgent care places near where we live. In the order of opening:

St. Luke’s urgent care (next to a CVS).

Total Access Urgent Care (TAUC): an independent chain that has no affiliation with a hospital; they have X-ray and can run common tests/labs. I’ve been to a location where they have the CT Scan machine. I talked about them quite extensively here.

Mercy Go Health: they opened it almost across the street from the St. Luke’s urgent care.

Scenario: in Labor Day weekend our younger daughter S6 got sick. Tried to take her to TAUC, the appointment time is about 5 or 6 pm when we looked for appointment. In other words, it’s about 6 or 7 hours away. So, I took her to the St Luke’s, our 2nd choice. The estimate wait time was one hour or more. At that time, I decided to try out Mercy Go Health.

Two things I was not happy about:

  1. They didn’t diagnose my kid’s pneumonia. The doctor did listen to her lungs, but I am not sure if the doctor made a mistake or at that time her breathing is still normal etc. They don’t have X-ray, or they didn’t do X-ray on that day.
  2. The bills. I don’t know if their billing department has buggy software or something, I paid the bill on myuhc.com (yes, it’s the United Healthcare in the news lately) but later I received a paper bill with same amount. At this time, I am just too tired to call them – I just paid online. But I may call them later: maybe I would get a refund. I am not saying myuhc.com works 100% of the time. But it seems to me there is some issues or explanation between the provider and UHC. (Update 02-12-2025) I finally got around and called / contacted them. I will update the outcome. (Update 02-27-2025) I called them a few times, today I decided to get hold of them until the end. I am on the hold for one hour and 18 minutes now. Also, from Reddit, this doesn’t seem to be a complete isolate issue. (Update 05-23-2025) I finally got my money back, after about 3 months. What I did: I filled out the complaint form online, and they used Zendesk. I replied back to them when Zendesk asked me questions via email.

Lesson for me: Next time, I will probably go to Total Access Urgent Care. For kids, I think I would also consider going to a pediatrician first. They may have longer wait times, but I don’t want to waste my time at Mercy Go Health.

Earlier, I talked about this a bit here too.

Next, I may talk about “not all doctors are equal” too.

Categories
uber-and-side-hustle

More Uber driving and tips I learned

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First a few tips (not the tip as in the money) I learned since I drove Uber.

One is you can setup a secured code like 2 factor authentication: I have one passenger used this feature. This may be faster than looking at license plate/exchange names etc. The driver can only “start the trip” after type in the code from the passenger.

Another one is something I learned this morning: we can do multiple stops. Today two older brothers dropped off the little brother at early childhood place, before heading to their destination high school.

Last but not least, try to keep your car clean. By “clean” I meant the carpet is clean and the cupholders are clean. And if you have a minivan like me, try to keep trunk clean of junks. Guess when do we need the storage space in the trunk? When we have junks there. I am not kidding, it actually happened recently to me once, when I need to take 5 people with their bags 🙂 I learned this lesson the hard way actually, in the very beginning of my driving adventure, I didn’t pay attention to the carpet and the cup holders. And I quickly got a few low rating (2, 3, 4) and it pushed down my overall rating score quickly. And now I can say proudly I am coming back as my score is 4.78 (I think 4.9 is considered excellent on Uber).

How about real tips (tips in the money)

Never expected, always appreciated. In real life though, interacting with passengers, talking to them (probably listen to them 1st) may have something to do with the tips.

Why I drive for Uber – reasons other than money

I think driving these one or two trips helps waking me up. In the old days I commute 20 to 30 minutes to work. Nowadays this is my “commute” in a way. Driving my freshman girl to HS and back is a bit too short to wake me up. The earning per hour never exceeded $30 (before tips). I received $13 tips from below trips. Subtracting the tips, it would be $58.72 for 2-hour 17 m online time. Other side benefits: keep my car clean and watch out for my driving habits no road rage etc. Use the modern word, just “chill”.

Here is an article by Harvard – Taxi drivers are steering neuroscience toward better understanding Alzheimer’s. In Chinese BMJ:老司机狂喜!哈佛团队分析近900万死者数据发现,出租车和救护车司机因阿尔茨海默病死亡风险全职业最低,或与空间导航能力有关

How to improve the rating?

Keep the car clean, in addition to be friendly.

Last but not least, I have driven 65 trips since started this very much part time gig about 2 months ago. PS: this is my earlier post on driving for Uber.

Reference

YT video How Uber Robs Its Drivers by More Perfect Union: let me quote a comment – As an accountant, I did Uber and Lyft a few years ago on weekends to make a few extra bucks. After about 300 rides, I created my own report that detailed my revenue, expenses, hourly work pay rate, etc. And came to the conclusion that was only making about $9 maybe $10 per hour in profit while putting lots of wear and tear on my vehicle. I stopped all ride share driving after that.

I think I tend to agree with the comment above. My main motivation for driving is not to get the extra income (that didn’t hurt). But I think if I want to make more money or make a living, or bring bread home, driving for Uber is not the 1st thing I will attempt to do.

Categories
401k and Personal Finance Fun

I have 526 shares of Coca-Cola stocks now

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And my goal is to have 40,000 shares eventually (before I fully retire).

I realized I have 400 shares recently as I noticed my IRA account recently received $194 quarterly dividend (48.5 cents per share). 我有四百股 $KO: 因为我注意到前两天发了$194 的红利. 伯克希尔有四亿股:巴菲特代表股东拿了$194 m 的红利。

So, if I need to retire on the dividends from Coca-Cola stocks. I need to have more shares: ideally 40,000 shares. That way, I would have $19,400 in dividends each quarter: or about $6,467 a month

Also refer to my Substack post today for dividend-based investing.

(Update 12-21-2024) Added 20 more shares yesterday 12-20-2024

(Update 01-06-2025) I have 630 shares of $KO now.

(Update 01-16-2025) 660 shares as of today.

(Update 02-10-2025) 680 shares as of today. Separately today I just learned Coca Cola owns Fair life milk: and my kids only drink this milk. I believe $KO will announce earning tomorrow morning.

(Update 02-11-2025) Coca-Cola beat earnings expectations as it battles for market share with PepsiCo