Category: 401k and Personal Finance

Reading Time: 8 minutes A touchy topic. I have been in the tech industry for almost 23 years, and I have seen my share of the layoffs. I saw the layoff very early in my career, and the most recent ones in last year or so (amid the big tech post pandemic layoffs). Layoffs are usually not pleasant. But

September 5, 2023

Reading Time: < 1 minute This is probably my only successful merge arbitrage speculation so far. By “success” I meant I am out after the recent US FTC failed attempt to stop the merge. Note the UK authority could still pose challenges or stop this thing completely. Although the market does expect the deal to close eventually. I didn’t speculate

July 24, 2023

Reading Time: 4 minutes Weekend thoughts 07-22-2023 I have invested or to be more precise speculated in the US stock market since 2003, and this will mark the 20 year anniversary. In recent years, I gave more thoughts to the dividend, both because the dividends are becoming more meaningful, as well as I am thinking about potentially switch from

July 22, 2023

Reading Time: 3 minutes I thought about this for a while. The last time I planned to switch, was a few years ago, at our previous home (condo), for some reason the AT&T technician could not find a port for the broadband, per my wife (I was likely working at the credit card company at the time). And the

June 13, 2023

Reading Time: 3 minutes I owned an Amex Gold card for a while. Sometimes I tweeted about it. I was thinking about giving Serenity a card (I talked about it in my blog), too. In fact, the other day Mother’s Day 2023 to be precise, we had her “pay” for the dinner. Note the reason I used the double

June 6, 2023

Reading Time: 2 minutes Yesterday, an interesting moment. I need a five dollar bill. And I asked my 13 year old and 8 (soon to be 9) year old. I asked my younger daughter 1st. She said, why don’t you go ask mom? My 13 year old was listening, she already went to her piggy bank. She didn’t have

May 8, 2023

Reading Time: 2 minutes I think savers should look at high yield savings account #HYSA now. Personally I use the $AXP (#Amex or #AmericanExpress) and $DFS (#DiscoverCard). The rate as of today 05-05-2023 is 3.75% for both. I expect they raise the rate to 4% shortly after this week Federal Reserve’s 0.25% rate hike. Doctor of credit has a

May 5, 2023

Reading Time: 2 minutes 橄榄🫒村股票群群公告 history Please email me at minjie dot xu at gmail dot com if you like to join 讨论美股个股为主(Latest update is at the bottom). 近年我个人比较成功的是OKTA:她家做identity cloud ☁️ (single sign on, security as a service etc). ZM没有拿稳比较可惜。I also long Berkshire Hathaway, Alibaba and GoodRx. Two disclaimers: 1) Your money 💰, your call (decision); 2) I am

May 1, 2023

Reading Time: < 1 minute Don’t buy penny stocks; don’t buy stocks all at once (portfolio and cash management); don’t look at the previous high and use it as reference price when buying (on sale mentality); don’t own too many stocks especially for newbies, because it’s likely a newbie doesn’t know or learned a lot about those companies. In stocks

April 30, 2023

Reading Time: < 1 minute First thoughts: regarding the recent #layoff news from #Meta (#Facebook, my wife has a former colleague being impacted yesterday). This remind me one thing from my own experience, for those folks who are on #OPT or #H1B, compensation/money is not as important as the #greenCard (GC) (#permanentResidency). Once you have the GC, sky is your

April 20, 2023
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