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advice and tips kids Life Life Tips

Stay in the hospital in America – 在美国住院

Reading Time: 7 minutes

中文翻译(主要是谷歌翻译的,我做了一点修改)在这里

This is probably the 3rd time we stayed in a hospital in America – if we count the time we spent in the Mercy for our 2 babies delivery (baby number 1 and number 2). Last week in my blog I talked about our little baby got sick. As she didn’t get better, we end up in the St. Louis Children’s hospital ER on Monday 9/9, and followed by inpatient care between 9/12 and yesterday 9/16. She is better and out of hospital now. The main concern was her fever and pneumonia.

Again it’s not the 1st time I go to hospital in America. I have been to ER once myself in year 2006 when I broke my chin at Stacy park and I drove myself to the Mercy ER shortly after. I recall when I was a teen, after watching some TV or movies, and sometimes I sort of romanticize “staying in hospital” (different TV or movies scene than the ER TV series here in the USA). Also probably I hoped for a break of school because my middle school and high school years are not easy.

In recent years especially last year, during my visit to China, I went to hospital everyday to see my mom (she was in the hospital). Also I saw her in IV infusion this year (note IV infusion is much more common in China than int he USA, even for the kids, separate topic); and I did IV infusion last year and a bunch of tests after falling from the ladder (advice: be careful when climbing ladder, using proper technique and safety cautions). I think my attitude towards hospital stay is more rational now: it’s a necessary evil we have to deal with. I am hoping to be away from hospital as much as practical.

Below is something new I noticed this time around.

Rounds

Doctors, nurses and personal care technicians (tech) kept families in the loop most of the time. Also, there are the morning “rounds” in which all the caregivers including the residents (the doctors in training) will have a discussion on the current status, and ask parents if there are any questions. This is somewhat like the “standup” in the agile world. I think it’s good.

Tablet

In year 2010 I recall the Mercy hospital room has traditional phone.

Fast forward 14 years, at the children’s I do notice the SamSung tablet in the room, and it can be used both for ordering meals as well as watching TVs (we didn’t watch this time). It also has some games similar to what we saw on Boeing 737 Max and 787 – our two kids played a bit together, and our little one played some alone too. I remember in the old days the meal is ordered from phone.

Electronic Medical Records

Another new development is Electronic Medical Records (EMR), and BJC (parent org for the Children’s) implemented Epic/MyChart in recent years. Adding my daughter’s EMR proxy access to my account took a few days: I simply requested for it and wait. I got my own MyChart set up at BJC a few years ago when I went there for the Covid vaccine (the Pfizer version). I received the access in about a week or so (thinking they may have manually looked into my relationship with my daughter).

Personally I like the electronic version of medical records much better than papers. Because I am not the best organized person for paperwork, as you can read from my earlier blog post – I need to better organize things.

I noticed our pediatricians office has a patient portal too. TAUC has a much simpler website but I recall once I downloaded the flu vaccine record for work. I also talked about my personal visit experience here last year – after an unexpected fall. Their wait time is quite long recently – the main reason we didn’t take our baby there this time. But I do have past interactions with doc there and I think he is good. This reminds me another thing: I need to look for a PCP again because the PCP I saw earlier this year moved away.

Customer Service etc.

Concierge (Customer Service Specialist): noticed concierge came to us when we were waiting at the ER waiting area on Monday 9/9, and she offered water, snacks etc. We saw customer service specialist during the hospital stay (inpatient) later as well.

Family Center: it’s at the 3rd floor of children’s hospital. I saw volunteers. They have coffee, drink, snacks and laundry services.

Ronald McDonald House

Education (missing school): the education specialist came on Monday 9/16 asked if we need anything school related.

Therapy Dog: this is probably one of the highlights during our little baby’s stay.

Appointment Helper for PCP (Primary Care Physician, or Pediatrician in this case).

Overall they are trying to make the place nice, welcoming etc. More like a hotel, vs a traditional hospital.

Parking, Meals, and Odds and Ends

Parking is free for the parents. One thing: don’t use the parent badge directly if you go in the 1st time using your car, which is more likely in the case of St. Louis metro area parents. The reason is if you come in using parent badge, you won’t have entry ticket – which is handy when you leave the hospital. Another reason is we need to turn in the parent badge when we leave. Today I had to use #lostTicket feature because I gave my entry ticket to my wife. It’s not a big deal, $16 is the cost of the parking fee. I noticed quite a few people (hospital workers?) parked along the Kingshighway Blvd across the street. Probably to save some parking fees.

Meal is included for the patients and two caregivers: it seems breakfast and dinner at the cafeteria, with some limitations; and lunch is available via a phone call. We didn’t order lunch btw. Our baby ordered her meals via the SamSung tablet.

There are some outdoor areas on the rooftop (8th floor) for kids/families to walk around.

The window view from the 10th floor room is also pretty good: we are facing kings highway blvd and can see forest park and nearby buildings in the area. I will attach couple pictures of the window view shortly. I also walked at the forest park once; and went to the shake shack at Euclid road once (I went there often when I was working at Cortex in year 2019 and 2020 before pandemic).

Bills

I just paid all the urgent care and pediatricians’ bills on myuhc.com via the HSA account (and SSO). Personally, I like this electronic version of dashboard/payments better than the good old paper-based approach. Guess how much I paid so far (note this is before the ER/Inpatient bills from the children’s hospital, which I estimate to be in thousands)? I paid about $900 so far.

Lessons learned

One thing I learned from all this, I think, is that choose urgent care place wisely, or try to see pediatrician 1st. On two occasions, Monday Labor Day 9/2 and Sunday 9/8 I took our little one to two urgent care places, and they cost about $300 per trip, and the 1st trip (9/2) didn’t diagnose the pneumonia (or maybe she didn’t have it at the time, but we didn’t do X-ray on 9/2, and she was diagnosed on 9/5 Thursday at Pediatrician office).

Also not all urgent care places are the same. In my old and current neighborhood, I recommend going to the Total Access Urgent Care (TAUC) at Creve Coeur (next to the Noodles co and Walgreens), and the St. Lukes Urgent Care (next to the CVS). The reason I didn’t go to TAUC 1st this time is mainly the wait time: 1st time it suggested about 7 hours wait time, the second time about 2 hours. But again sometimes, maybe a lot of times good things (and good doctors) are worth to wait.

How much will be overall bill cost? I am making a wild guess: between ER and the inpatient at Children’s Hospital, I am guessing I likely need to pay $5000 to $10,000, after the insurance discount. Over the years the US healthcare cost skyrocketed as well as the insurance premium. I recall back probably in year 2001, more than 20 years ago, I only paid about $10 or $15 for the tonsil removal surgery (for my then significant other). The hospital bills for our two babies are about $1,500 for normal delivery and hospital stay (2 nights, if my memory is correct) at Mercy St. Louis. Regarding ER, I mentioned I went to Mercy ER in year 2006, and the bill was about $800 then. The insurance company initially didn’t want to pay: I called them and they paid eventually.

Last but not least, if you like to read more, I talked about American Healthcare systems and hospitals in the past (here are post one, two, and three in a series, also this one).

(Update 09-19-2024) It appears that I got a scammer call yesterday (luckily, I didn’t give you much information). The number is 763 656 5847 (I just did a google search). Anyone the caller claims to be UnitedHealthCare (that’s also from the Caller ID on my iPhone). And the topic is around nurse line or nurse manager (the caller knows my kid’s name and my employer’s name; this leads to me think they are not total 100% scammers). I did some google around this topic too, and here is some of the reddit thread I found (one and two). I just blocked the phone number. Better to err on the cautious side 🙂

(Update 09-25-2024) The 1st batch of bills arrived at myuhc.com, and I paid them all – 9 bills total, and the total is under $1,000 from my side, the insurance company also paid some (after discount).

(Update 10-01-2024) The total for the hospital stay is $1,228.40 so far, per myChart – I paid all via myuhc.com

(Update 10-02-2024) Got the hospital bill, I paid $175.50 via myuhc while the uhc paid more than $1,579.50.

(Update 10-03-2024) I paid hospital $34.06. I think this is likely the tail end of the bills.

(Update 10-05-2024) I summarized my out of pocket expense for the hospital bills: $2,017.16 and the subtotal of pediatrician (3 visits total) and 2 urgent care visits: $959.49. Total is $2,976.65 so far. I believe most bills are created and paid. Again the most important thing is make sure we are healthy.

(Update 10-07-2024) One more bill from the children’s: Plan Paid $28,460.68; You (I) Paid $481.77 => this makes total hospital bill to $2,498.93; also this makes the total out of pocket pay (adding $959.49) to be $3,458.42. I think we may hit a limit or something like that for out of pocket expense for this year.

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kids Life Life Tips

The 3rd week was tough

Reading Time: 2 minutes

Our 10 year old got sick on the 1st day of Labor Day weekend – 8/31 Saturday. She has violin private lesson and we had to do it over the Zoom. Initially we didn’t think too much of it, but on Monday 9/2, as we didn’t see her getting any better we decided to go to urgent care. And now I look back I think I may have chosen the wrong urgent care. The Total Access Urgent Care Creve Coeur has a long wait time, 1st estimate is 6:17 pm when I looked at it at about 11:30 am. Went to the St. Luke’s UC down the road and was told at least one hour wait. So I decided try the new Mercy Go Health at the Dierbergs plaza. The doctor said it’s some sort of viral respiratory infection but didn’t prescribe any medication, we did ruled out Covid and Streps via the tests. The doctor did listen to her lung as well.

Coming home and she wasn’t doing better. On Thursday 9/5 my wife decided taking her to see her normal pediatrician. It turns out to be pneumonia (google: long does child pneumonia last) and antibiotics were prescribed. My wife thought she may get well very quickly. I was not that confident though.

Thursday was also our 14-year-old first cross country meet and I decided to go and provide some support. Friday evening was 14-year-old first pep band performance for the high school’s 1st home football game. We came home exhausted after the game – we had fun.

Today 14 year old decided get some sleep in the morning instead of go to the 8:30 am cross country practice – which I agree. And 10 year old continues her violin lesson via Zoom once more.

Playing Time

Recently 10 year old and I got into a habit of doing some thing together, mainly around board game or something in the evening. On some of the nights I came back home a bit late: mainly because I was picking up my 14 year old. We still try to play something as simple as “spot it” (the game little kids play). Btw, it’s harder to beat the kids on the “Set game” nowadays – for me it’s almost impossible to beat 14 year old. Nowadays I started to appreciate the time spent with my daughters, as I realized my time with them is getting less as they grow up. This is especially true with 14 year old.

I know nowadays we usually want our kids get well soon when they are sick – but sometimes the virus has its own mind, and we just have to be patient 🙂

Reference

Fever or Chills, Age 11 and Younger 

Pneumonia in Children: Care Instructions (alberta.ca)

Categories
advice and tips kids Life Life Tips math-and-edu

We survived two weeks of High School, so far :-)

Reading Time: 2 minutes

This probably should be the series 2 of Ladue high school, we are coming, series I is here and I wrote it about 9 months ago.

Now it’s real – which means, every morning, I have to be patient about the traffic on Warson road. And I am very proud to announce: so far I didn’t lose my cool ha ha 🙂 Though in one morning, I told my 14 year old it’s probably for her to ride bike when we were stuck near the stop sign at Warson and Conway.

Sports and schedule

This whole actually started in the summer, because my 14 year old took two online classes (health and PE), via Launch. Both are fairly intense courses, and more than once in our China and Hong Kong trip, including in Hong Kong, I had to walk with my 14 year old to make sure she gets enough steps or make the Garmin heart rate monitor happy. We actually started from St. Louis in late June 🙂

We encouraged her to sign up varsity sports. And I quickly realized the Cross Country program is more demanding than I thought. Btw, a little fun during the training (instagram :-).

At the same time, she decided (we ok’ed) her not doing the auditioning for YPOP (YPCO and YPSO) this school year at Webster University Community Music School. We don’t want to or try to hit at every pitch, as the old baseball saying goes (and Warren Buffett likes to say it many times).

What’s next

I can see she definitely has more homework. Also due to the Cross Country practice after school, she would feel tired and tended to do “doom scrolling” (I assume it’s TikTok and YT Shorts) instead of working on the homework right away. That would push her bed time to a time that her mom cannot tolerate.

Odds and Ends

There are a lot more of those in High School. One thing is about the volunteering and tracking hours – because it may help the college application/admission down the road. Also clubs and other extra-curriculum activities – I guess there may be implications to college application too, among other things. It basically create more work and put some more pressure on the kids/family.

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Investing

DO NOT BET ON EARNINGS

Reading Time: 2 minutes

Recently due to the booming of AI, the daring of AI and the wall street Nvidia $NVDA had crazy good earning reports in last year or two (20 months to be exact, if we look at the stock chart from Jan 1st, 2023).

And I recall recently their every quarter’s earning report is a confirmation of both the excitement of Nvidia and Gen-AI’ fans as well as the company unstoppable momentum in the space. Personally I feel Nvidia is the only drug dealer in the AI chip space. And a few days ago, I heard the word “Nvidia watch party”.

And (behind paywall, BI, Business Insider) Nvidia Earnings Watch Party at Bar Is Latest Sign of AI Hype – this title itself says something.

Also (behind paywall, WSJ, but you can listen to the article without pay) ‘Nvidia Day’ Inspires Watch Parties and Memes, but the Fanfare Doesn’t Last

Of course this excitement is on display at Chinese stock forums, Chinese YouTubers, and so on.

Mike 是麦克 – 8月25日 美股实盘分享 下周赌一把 英伟达股票美股操作分享 || I was vigilant of this kind of pump due to my experience. But I don’t know if there are others buy into those of BS (bull shit).

一亩三分地 – there are many discussions on NVDA and some are quite misleading.

Keep in mind for those guys, and many other creators, media people (think Jim Cramer of Mad Money) included, they don’t make money from actually betting on earnings. They make money from eyeballs.

Verdict

I had 12 shares a day or 2 before the $NVDA earnings this time. I never traded much NVDA in the past. And this time I decided just have a bit fun – I didn’t go to the “watch party” per say, or the Twitter (X) space dedicated to NVDA earnings. But I did listen to the earning call, as well as Jensen’s interview with Bloomberg right after the earnings call. In the recent past Jensen has went on to Jim Cramer’s CNBC Mad Money a few times, both after earning calls, or during other occasions. Don’t know why this time he went to CNBC’s rival Bloomberg.

PS: betting on earnings is essentially just like flip a coin. Because we as outsiders don’t really have any edge trying to figure out how a company is doing in a particular quarter.

Also you can read more about “earning report” that I wrote in the past.

Categories
gadgets Life Tips

Mobile phone carriers I have used in recent years and couple I am considering

Reading Time: 2 minutes

T-Mobile

I think I started using T-Mobile probably from year 2012, ever since my 2-year contract with AT&T ended. I got the 2-year contract when I bought iPhone 4 at the Apple Store in fall 2010.

H2O

Note with T-Mobile, I did not sign up the data plan. And In year 2014, I started looking at prepaid data plans (with some call minutes, and text messages included), and found H2O.

Mint Mobile

I don’t recall how exactly I found Mint Mobile, probably because I realized it’s cheaper than H2O. and I decided to switch. That was probably in year 2019. I don’t have complaints with them with 3 exceptions:

1. Their coverage which is about same as T-Mobile (in some areas the coverage is not as good as AT&T or Verizon), also because T-Mobile recently bought Mint Mobile, so I don’t expect them to improve.

2. In one or two occasions, it seems their meter went wrong, because essentially my data was quickly used up as soon as I received the new pot of data for the month. Tried to chat with the customer service via the app, and it was not very helpful either.

3. They don’t support Apple Watch Cellular. And it sounds like they won’t support it in the future either because this is a prepaid plan – they want their profit margin and so on.

International Roaming

They have launched this product called Minternational Pass. And I used it recently in my recent China trip (to be precise, Vancouver, Hong Kong and Mainland China). It’s working for the most part, the nice thing is it’s about $2 or $3 per day, which is much cheaper than the Visible Global Pass or Verizon international roaming (which is $10 a day; $5 day in Canada and Mexico). Note Mint Mobile recently included Canada roaming for free. So if we only talk about the international roaming, Mint Mobile is cheaper. But we also keep in mind the length of the international travel, as well as the country.

Apple Watch Cellular

I found the below 2 carriers when I was doing research for my Apple Watch cellular, and potentially for my 10-year standalone Apple Watch Cellular. I think I may switch myself from Mint Mobile to one of the two below, so that I can travel or go out with my watch only, from time to time.

Visible

I found this one from the Apple discussion forum thread. It sounds like they are the only prepaid carrier supports Apple Watch Cellular.

C Spire

It seems we have to buy Apple Watch from them (as opposed to Visible we can bring our own watch). They do have a nice section about kids using watch or phone (around safety etc.).

Last but not least, Apple Watch for Your Kids (Apple website).

Update 05-05-2025: I heard from a friend that US Cellular offers standalone Apple Watch Cellular plan. Note it was mentioned in the Apple Website above too.

Categories
Investing

Is PinDuoDuo stock $PDD at a good entry point now?

Reading Time: < 1 minute

I normally don’t bet on earnings (earning report), but when I do, I usually lose. –yours truly

And $PDD was no exception. Yesterday 08/26/2024 Monday morning, before market open, I noticed the stock was free falling. Note I bought 6 shares before the earning report. And basically this confirms another thing I talked from time to time: 买中概变乞丐 (and this is my short X thread); and my X thread on $PDD.

More from X

#买中概变乞丐

美团的套路

拥有外卖界半壁江山的美团亏损了1155亿? 到底在愚弄谁?

I noticed there are bulls too: such as this CNBC interview by Shaun Rein (he is an ultimate China bull, in my opinion).

So what is my opinion?

Again I am not a fan of them and I am going to sell the remaining 3 $PDD shares soon.

PS: 黄奇帆新讲座谈Shein

(Update 09-03-2024) DO NOT BET ON EARNINGS 不要去赌报表

Categories
Edu-and-Ladue-School math-and-edu

Math and Math Acceleration

Reading Time: 5 minutes

(Update 09-06-2025) Came across this from Ladue Middle School website.

Math Acceleration
Please review this document regarding Math Acceleration at LMS. If you have questions, please contact Mrs. Sarah Schwartz, Assistant Principal and liaison to the math department, at xxxxxx

(Update 05-25-2025) It appears our younger daughter mostly caught up with her peers in this school year in terms of math. She accelerated in the beginning of 2024/2025 school year – instead of taking the 5th grade regular math, she was doing both 5th and 6th grade math in this school year.

Another note: our older daughter who is entering 10th grade in the coming school year 2025/2026, will attempt the math acceleration test again over the summer. But we as parents are asked to attend a Zoom session this coming week – probably something related to the test.

(Original 08-24-2024) I am not 100% sure how much the below section is applicable to the kids in the Ladue School nowadays. Couple things though:

1) Math is mostly a universal kind of course, meaning, there is no American math, or Chinese math, or Indian math,… there is only one math: we want our kids to learn the right math, not the wrong one (wrong math is not math, it’s probably more like a fiction 🙂

2) No pain no gain. I am not saying “work harder” is the most important. But the kid is expected to do some work, not just reading through the textbook.

My own math learning journey

I talked a little on math and math acceleration on my own math learning journey on my blog post – My Zhenhai Middle School Days我在镇海中学的日子 . Here is what I said:

……Related to that, my class got a very well known counselor and he was pretty strict too. He is unconventional in some ways, for example, he was math teacher, but he rarely gives lecture. He gave us a lot of homework instead, basically we learned ourselves through doing those homework. We joked the homework is never ending. Because as soon as we finish some, he would give out new ones 🙁 I recall some kids really struggled because they are not used to the pace, the work and I am guessing due to lack of instructions. I am not saying the teacher is all bad. Maybe he was not the best teacher for some of the kids. For me I think I learned self-study in his system……

In Chinese below

……与此相关的是,我班有一位非常有名的辅导员,他也很严格。他在某些方面不按常规,例如,他是数学老师,但他很少讲课。他给了我们很多功课,基本上我们都是通过做功课来学习的。我们开玩笑说作业永无止境。因为一旦我们完成一些,他就会给出新的:-(我记得有些孩子真的很挣扎,因为他们不习惯节奏,工作,我猜是由于缺乏指导。我不是说老师都不好。也许他不是一些孩子最好的老师。对我来说,我认为我在他的系统中学会了自学……

I recall I was usually one grade ahead in terms of math, for example, when I was at grade 6, I learned grade 7 contents myself,… and so on. I wasn’t the most advanced kid on math acceleration – I recall one kid in my class finished all high school math when he was at 8th grade (the last year of middle school). Again we don’t have a formal math acceleration program, but I think probably half the class (we have about 50 kids in our class, so that means 25 kids), were able to have a pace like I had. That’s the main acceleration that I did. I don’t recall do anything extra at elementary school, for high school, I may have done some on my own (don’t recall exactly), plus the thing I mentioned below. But I do recall in terms of math education, the math teacher at my 5th grader left me impression: at one time, he put up a chart that ranks all the kids’ math quizzes. I was the top student. I understand this is likely illegal here in today’s America, and I don’t know if it’s legit in China nowadays. And imagine how the kids ranked towards the bottom would feel. But at the time, it did boost my confidence on my math. Also note: I moved from my village school to this town school at the beginning of my 5th grade: so I was also a new student there trying to fit in.

At the freshman year of my high school, I was very fortunate to have a math teacher who I like, and he also thought highly of my math skills, for some reason 🙂 I think probably because I did okay in the math competition at the local level. Anyway I was invited to the training for math competition in the summer break. Basically another very good math teacher gave us (probably 4 kids) extra lesson for a week or two. That was probably the highlight of my math journey.

Math and Math Acceleration at Ladue Schools

This is the district web page for Math education

And the School Board documentation (power point) on Math Acceleration: so board does have some consideration on this topic. This is mostly for elementary school students.

Math Acceleration at LMS. Btw, quite a bit of useful information on curriculum including Math at this LMS web page.

My Observations

Mainly from our two daughters, and plus other friends’ kid.

  1. It’s relatively easier to accelerate in elementary school. Things get harder in middle school and beyond.
  2. Prepare early: this is probably more relevant for middle school kids, as it’s harder to pass the acceleration tests. I noticed the “Advanced Geometry” test takes two days (2 hours in each of the 2 mornings).

Why Accelerate?

Or Benefits of math acceleration. Right now, the main thing I can see is the kid get to take the Calculus, and the Physics/Chemistry curriculum that requires Calculus, also some other AP courses such as AP Statistics. Most of those STEM courses have prerequisites, and if a kid takes the math in regular pace, eventually he/she won’t have much time to take the mentioned AP courses above.

But, personally I don’t think AP courses are “do or die” for kids during college applications/admissions. Note my older kid is going to be freshman in HS this fall, so take my advice for what it worth 🙂 (Update 09-03-2024): I read from another Ladue mom that she basically said similar things regarding AP courses: don’t go to the AP arms race, take some if applicable, and show that one is capable of higher-level learning during college application.

What are we hope to achieve on kids’ math

Some of the people in the Spoede Elementary School know that I was involved in the Math Fact Scholars here for quite a few years. Personally I think both the math facts and the problem solving are important. When I grew up in China, we had to memorize the multiplication table, and all that. I understand we are at different times and different country, and I came across this tweet just today – it described some of the phenomena here in the math education in the USA, unfortunately. Let me paste the image below.

Source: @stem_feed on X

Personally I really hope we can go back to this. I also pasted one of the pictures below.

Source: @cooltechtipz

Back to the topic, I think I like to see a few things on my kid’s math.

  1. This is most important one, that is they have confidence on math and they know how to learn by themselves. If in doubt, they know how to reach out (a teacher, or a parent).
  2. They are not afraid of the tests: the math test, the MAP test, and other tests that potentially could use math, science for example.
  3. They know how to apply math in daily lives, be at McDonald’s or a grocery store, and college savings/budgeting too.

Please note all this is possible. Again to get to there, instead of “being dreadful of math (or substitute with any other subject”), needs the work and collaboration between, kids, teachers (school) and parents.

Last but not least, I want to leave a positive story at the end. In my recent trip to China, we go to this “bun store” quite frequently every morning, the lady who probably got education level no higher than high school, is a math or calculation wizard, she doesn’t use calculator, she can come up with a total as soon as we ordered the “bao zi”. Her mental math is way better than me: how did she get this good? Practice, practice, practice. This is also the slogan we say at Math Fact Scholars program.

Categories
401k and Personal Finance finance Investing

Robinhood

Reading Time: 2 minutes
Source: TrungTPhan on X (I think there are some valuable lessons that’s applicable to trading / investing here)

I used Robinhood App since year 2015, when they just got started. To be honest, I was drawn to them initially by the zero commission feature.

My experience with Robinhood over the years

I think Robinhood has some features I like, in addition to the zero comission feature that it pioneered in the industry. It also helped me to gain more confidence on trading stocks, especially between 2015 and 2019. Note in the early days Robinhood is probably the only brokerage firm to offer zero commission. Over the time, other brokerage forms followed suit too.

Other features I like:

  1. They try to make the app fun to use, so in a way lighten things a bit such as doing some sort of confetti when a trade is submitted or executed, because trading stock actually has some pressure comes with it, believe it or not;
  2. Once a stock is sold, the money is available to trade on the same day, as long as one does not sold it again on the same day. Day trading is somewhat complex and confusing in the US stock market. They do have a 3 strike rule: basically one cannot do more than 3 day trades over a week (5 days period). I got myself into this small trouble a few times, and I wait patiently until all 3 blocks expire.
  3. Their app’s stability improved significantly over the years. For example, in today’s morning session, many bigger traditional brokerages had encountered issues on either website or apps, but Robinhood App did fine.

Referral

Sign up for Robinhood with my link and we’ll both pick our own gift stock 🎁

Update (01-20-2025) Amid recent Robinhood’s push into the Crypto etc., and also their gimmicks to sign up people or stir the interest (the new year promotion for example), I plan to gradually getting away from them. As some of my readers may know, I am not a believer of Crypto.

I understand business is for profit, but at the same time I do believe higher standards especially on ethics side. I believe in 君子爱财,取之有道.

Categories
Software development

Why Cisco’s market cap is far behind Google etc.

Reading Time: < 1 minute

Q: Can we say routers are simple and doesn’t have a lot of technologies?

A (by yours truly): 也不能这样说,路由器和相关技术,比如说load balancer (F5 等),firewall 等等还是有技术和市场的。思科当时的做法是支持所有去创业的员工,给投资,一般做得还行的后来都买回来。她家最主要还是dot com 那时候股价炒太高。

思科现在成长性比不过hyper scalers. 她近年买了app dynamics, splunk 等performance (production) monitoring 的软件公司。很久以前买过webex 

I gave it more thought: I think the main difference between Cisco and say other hyper scalers such as Amazon and Microsoft are: the latter found new growth driver, AWS for Amazon;  Azure and many other growth drivers for Microsoft (Xbox gaming, office 365, copilot and so on). In a way Nvidia is similar: they went from Graphics card, to crypto, and now to AI.

Google (Alphabet) is a bit different in terms of its business model change. Google is very lucky in the sense it quickly became the leader in the web search, and found a business model around search and ads (google ads, adSense for publishers). Later they bought YouTube and DoubleClick, and AdMobile. They invested early in the AI too, and they opened up what they use internally as Google Cloud: this is somewhat similar to AWS, but they kind of came to the party a bit late.

As I was writing this: Intel just announced it’s going to suspend the dividend and also has another round of mass layoffs.

Now we are talking about great business (Microsoft, Nvidia and so on), vs. so-so business (Cisco), and disastrous business (Intel).

Also, I just recall the pioneers of mobile phone and smartphone makers: Nokia, Blackberry and so on are all becoming irrelevant in the space now. Apple is the king of the smartphone as of this writing.

For tech companies: innovate, or die (or become irrelevant).

Categories
advice and tips

坑叔的英制;国泰有芝加哥到香港的直达航班

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来美国将近27年,很多方面已比较适应,包括她们这里(比较坑叔)的英制。英里,英寸,英镑等,不过我在心里换算一般还可以,因为换算相对简单。就是这个华氏的温度换算比较麻烦: (F-32)x5/9, 后来碰到一个当过海军飞行员的老兵说他们的一个简化的八九不离十的算法:(F-30)/2 好像也还可以啊。我告诉我小女儿:我的脑子里还是摄氏度。她们也知道,她们的理想室温是70华氏度,我们是75度。哪天等我做了美国总统(不过我做不了,因为我不是在这里出生的),要等我的女儿做了美国总统,我让她把这英制改了,我估计英国🇬🇧现在也是用国际的米制了吧:没去过英国 it’s on my list: no pressure girls 🙂

芝加哥到香港的直达航班

在小红书上听到这个,跑到她家网站一看,果然有 ORD to HKG 航班,价格也还公道。看来美国的航空公司短期内是不会开通 ORD to PVG 的航线了。

It looks like this flight started on October 3, 2023. Quote the article:

The three-times-weekly flight, operated by the airline’s state-of-the-art Airbus A350-1000 aircraft, will depart Chicago at 4:05pm on Tuesdays, Thursdays, and Saturdays. CX807 will arrive in Hong Kong on the following day at 8:45pm. The return flight CX806 will depart Hong Kong at 12:30pm (local time) on Tuesdays, Thursdays, and Saturdays, arriving in Chicago at 2:25pm on the same day (complete schedule below).

I think earlier I thought about this route (also fly portion via Cathay Pacific):

STL => SFO => PVG => HKG => LAX => STL

Now I am thinking about

STL => SFO => PVG => HKG => ORD => STL

Just some more foods for thoughts.

Asia Miles

I flew Cathay Pacific CX 961 from Hangzhou to Hong Kong on 07/11. I registered the frequent flyer membership at Cathay a few hours before the flight. The flight was booked via trip.com on 06/17. I tried to look up for the booking at Cathay website right before the flight, and I was not successful. I just filed the missing miles claim on their website. Let’s see.