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advice and tips finance Fun

Hotels in Shanghai I stayed in recent years

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Courtyard in Xujiahui (formerly Tibet hotel, as you can see the rooftop design, tripAdvisor, marriott website). Good location and friendly people. I recall the first time I visited (2011), I used my Marriott rewards and silver status, the front desk especially got the leader over and greet. I suspect at that time, perhaps there were not many guests with Marriott silver status. In fact for me it’s just a benefit of Marriott card via Chase. The location is really nice. There is a restaurant next to the hotel. And some convenience stores in walking distance. It’s within the walking distance of Xujiahui business district. It costs 10,000 points Marriott points or about 700 to 800 CNY per night. I stayed there a few times. I recall I received those points from the Chase Marriott credit card . 02-21-2024: note the Marriott loyalty program is now called Bonvoy, a romatic word, at least from the sound. I no longer have the card now. The only hotel co-brand card I have now is the Chase Hyatt (World of Hyatt).

Four Points by Sheraton in Pudong (starwood hotel website, tripAdvisor). It costs 4000 SPG points. It’s bigger than the Courtyard Xujiahui, in fact many things in Pudong is bigger than Puxi, think it as downtown vs. suburban in the US (as one of my Haigui friends once said). The cash rate is between $72 to about $200 per night (depends on room).

Another hotel, I have not stayed, but will stay this June, is Park Hyatt in Shanghai Pudong (tripAdvisor). I am going to use my Hyatt free night there. The going rate is a bit expensive, I think.

Note I used to stay at budget hotels in Shanghai back in 2006/7. Now with family and kids, I can no longer do that.

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finance Fun

Inflight wifi

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I’d read this one first, because it explains the technology and the players.

Gizmodo (Adam Clark Estes 5/04/15 3:41pm): Every Major Airline’s Wifi Service, Explained and Ranked

Some background why Gogo is the dominant player at this time.
Bloomberg (Sam Grobart | August 26, 2015): Why Gogo’s Infuriatingly Expensive, Slow Internet Still Owns the Skies

RunwayGirlNetwork has a lot of articles on this topic, such as the following:
US transcon war heats up as Virgin America taps ViaSat for Internet By Seth Miller

Gogo to launch global Ground-to-Orbit connectivity (a bit old, note 2014/03)

14 Oct 2015 JetBlue hits major milestones with Fly-Fi rollout By Seth Miller →

Now you know carrier wise, Jet Blue is the leader in terms of inflight wifi. This is consistent with the Gizmodo article above.

The Gogo AA dispute
Bloomberg: Gogo Plummets as American Airlines Eyes Competitor ViaSat Michaela Ross Mary Schlangenstein

16 Feb 2016 American looks to swap Gogo for ViaSat on 200 aircraft By Seth Miller →

Beyond sky
Wi-Fi on Cruises: Five Popular Ships Ranked Written by Cynthia Drescher May 15, 2015. Note the newer generation technology behind the inflight wifi and cruise ship wifi are similar: satellite. The thing impressed me (quote below): Speed tests on a preview cruise, with every passenger provided complimentary access, measured an average of 5.00 Mbps download and 4.33 Mbps upload.

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advice and tips Fun

Some thoughts on wechat hongbao (red packet)

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I came across a good discussion on the topic here at Baidu. Interesting discussions.

Btw, I thought about it before reading that, and decided to give most of my earnings to OCEF. Today I saw my name on the report. Good: really I don’t care too much about my name there, and I know my contribution is small, but I want the money to be in good hands. And I know they are doing good work for kids in disadvantaged economy condition.

wechat hongbao

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advice and tips finance Fun

Tax

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(Update 02-23-2016) Got the refund from Uncle Sam. From filing to receive refund only takes 7 days via turbo tax web version. Now I am waiting till 4/15 for the state because I owe money to show me state 🙂

(Update 02-16-2016) I filed the tax last night, since I got almost all the forms I need. In case some other form showed up and it it’s meaningful, I can always do an amended return. Again I used the Fidelity deal mentioned below ($15 off $55 for premier version).

(Update 02-09-2016) I found a possible meaningful deduction or credit for those with High Deductible Health Insurance Plan. I found I can get about $1400 more back after filling in the HSA (Health Saving Account) information, it asked me do I have HDP plan on Dec 1st 2015, the answer is “Yes”.

(Original 02-02-2016) It’s that season again. I received two W-2s lately (I know I know :-), and tonight I started working on it. Note I’ve done Federal tax using TurboTax online version since 2001 (ever since I worked full time). I know we can get discount from the PC version from time to time, but I felt it’s worth the money to use the online version so that I know I always have a copy somewhere on the cloud (note back in 2001 cloud was a far far place compared to today, I recall I was using dial up Internet at the time). This could come handy when sometimes I need a 1040 for home refinance etc. I know one can have a backup of desktop version too, but it better be kept in a safe place and personally I prefer turbo tax (intuit) do it. It’s a bit like personal safety deposit box at bank.

Back to the topic. There are still places we can get some discount using the online version, note there are many versions too, I used mostly Deluxe or Premier version. Some of the places I have used (or knew of) in the past: essentially an affiliate link from bank, brokerage website etc: vanguard, ADP (seems no longer available), Bank of America, Scottrade etc. More recently I think the deal offered by Fidelity, Discover are good. Both have up to $20 off: $7 off (Deluxe) or $15 off (premier version, that’s what I used last year 2015 tax season, for $40). And I used this one again this year. It seems both links are available to everyone. I know in the past someimes the links are just for customers. Last but not least, Southwest offers 1000 miles (roughly $10, so not as sweet as the fidelity or discover deal if you go for the premier version, but still good if you are into the LUV miles 🙂

Federal Only, features, and free to use
I don’t use their State version very often though. I recall once I used it, probably because I was expecting a meaningful federal refund and decided to spent a little. And it backfired. The problem was I put a negative amount in the income field for my wife, and the software did not detect it. But the state revenue department noticed it and sent my return back. I was very angry initially at Turbo Tax. But their accountant was very calm and professional. So I corrected it eventually.

Over the years I saw Turbo Tax software improved consistently. There are two modes: wizard mode which walks one through the steps, ideal for new user; or the topic mode which is better suited for experienced user, basically I know which topic (income, deduction etc.) I need to jump into and it saves me time this way. It also added the “import” capability over the years: from W-2 to 1099 to stock trading records. It implemented 2 factor authentication too, so gives a peace of mind.

All those features are free to use as long as you don’t file tax via them. For State tax I actually used it as a verification tool. So this is a free tool for verification for those DIYers. I do file tax using Turbo Tax as I think its checking mechanism reduces the chance of being audited, and it gets refund faster.

Refund
Most of the time I got some federal refund, and due a small tax for state. Also I do direct deposit all the same for refunds. That’s usually faster than check. Once I joked with one of my coworker, he said he always get some tax refund, but he was not in a hurry to get it. I asked him why. He said because if he gets it, his wife will spend it, and they would not have money for summer vacation. I really love his thinking, and his wife’s spending habit. I think we as consumers have this trend more or less, because we feel a lot richer when we get a big chunk of money 🙂

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advice and tips car finance Fun

So after all my gas gift card was NOT stolen

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I purchased a $100 Circle K gas gift card via eBay a few weeks ago, a few days ago I started to use it, and I found the initial balance is $75 instead of the $100 as advertised. See below, I spent $12.xx on the gas (imagine that a few years ago), and I saw $62.xx remaining.

IMG_1556

So I was worried the card is stolen, and I filed a claim on eBay and whined about it on wechat. This afternoon I decided to cash out the card via other gift card, and to my surprise, it has the correct value: after I bought $75 other gift card, it still has $12.xx remaining. I was wrong. The reason I worried it could be stolen is I saw people talked about stolen gas card (same brand), and it’s not too hard to crack a 16 digit code.

You may wonder why I just pay credit card for gas, and go through the trouble of buying gas gift card, and had to use it at a specific store, also keep track of balances. Well, there is some savings, to be short. Basically I can get some rebate via eBates (going to eBay), I also get some eBay bucks, plus sometimes I buy $100 eBay GC at $95. Last but not least, I paid $95 for $100 gas card. So the savings add up. I spent somewhere between $85 and $87.5 for a $100 gas card. On the other hand, nothing is truly free, with the savings comes with risk. I think from now on, I will stick to credit card: this quarter I can use either Chase Freedom/Discover Cash Bonus for 5% cash/points back, and in normal times I could use the Sam’s Club MasterCard, which also gives 5% cash back (in a check issued once a year).

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Fun gadgets Life Life Tips

Got new windshield wiper, tires

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Last wed. morning,  temperature was below freeze point, there were some leftover snow. When I start my car, windshield wiper blade broke. So early afternoon I bought a new set and tried to replace the wiper. Those were worn out before last wed. The problem for me is, I don’t know how to take the old set off the Camry. Even after I watched YouTube video, I still did not know. So I went back autozone and asked for help. 

This is minor compared to the tire pressure problem for my wife’s sienna minivan. She texted me this picture, I know I know it’s tire pressure warning. I went through the same exercise last winter, even pumped couple times on sienna. And I left some damage on the sensor by doing that too :-(. And this time I am paying it back. The warning went away and came back last few weeks, even after I pumped air. So I thought to make sure, using a meter to measure the pressure. And I blew this one. When trying to measure the front driver side tire, the one has some sensor demage, that thing came out, and air came out. Flat tire :-(. This is not new but not often encountered, so I follow the procedures: use jack to get the van up, trying to locate the spare tire. Since it’s hard for me to get out the jack from sienna, I used the one from Camry. It’s not as strong, and I made couple mistakes the jack fell twice. But I still could not figure out where is the spare tire, even after reading manual. So I called AAA. A technician from AAA helped me on this issue. Today I went to Costco in the afternoon and got a new sets of tires on. It cost me about $770 for 4 Michelin tires. I still need to figure out how to put the spare back to its original place. 

 

My lesson learned:

1) It’s fortunate that we did not got hurt with this potential tire sensor problem. 

2) It’s ok to buy certified used (sienna), but it’s not necessary to buy extended warranty, put the money in bank for repairs and maintenance instead (the squirrel problem and the new tires).

3) Use Costco tire service, they seems have the best service plan for the $15 installation fee.

4) It’s kinda ironic I majored in ME in college and grad school. And I cannot figure out windshield wiper and spare tire. 

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advice and tips Fun

Eat

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I have covered sleep, walk (exercise), today I am going to talk about the good we eat. As I came to the US about 18 years ago, I recall a friend and a fellow Chinese graduate student once said: food, sleep and exercise are 3 key elements of being healthy. This was very relevant as we were both new to this country, and trying to adjust to everything in the US. For most Chinese students and coworkers in my era, I understand our main food is still Chinese food (rice, stir fry, etc.). Many Chinese coworkers bring lunch to work. I do that sometime too. Also, as I was aging, I started to pay more attention to breakfast. This is different from when I was in graduate school or new to work. I think in about 2005 since I moved to my current condo, there is one Panera Bread (St. Louis Bread Co.) in walking distance, and I started to enjoy the bagel and coffee in the morning. Two reasons I got coffee there instead of brewing my own, or get it at work: 1) The coffee there is good or better; 2) I just get one cup and that’s done, trying to control the caffeine intake.

That bagel habit stuck to me for almost 10 years now. I passed that habit to my old daughter Serenity. She started eat bagel as a toddler. I tried bagels and bread from other places too, e.g, bagels from Einstein bagels and bagel factory (New York Style water bagel). They are different from Panera’s (Panera are more sweet or sugary).

For lunch, I bring my own lunch more often these days. But I usually go out to eat if I join a new place new. From Fazoli’s (fast Italians), Panera Bread, Chick-fil-a, to Culvers (midwest hamburgers), to most recently Picklman’s (sandwich). I usually stick to one thing for a long time before exploring. For example, I recall eat their grilled sandwich until one day I found there is a bug in the lettuce. Then I switched to Pastas, etc. For Panera, I started with Frontega Chicken panini. Later on I expanded to their soup and salad. Chick-fil-a is always good, I usually got their calendar each year ($7), which pays itself quickly with monthly free food/drink. I visited Culver’s the first time when I visited a client at Rockford, IL, which is close to Wisconsin (Culver’s home state). I liked the buttery flavor of burgers. Picklman’s is a sandwich shop started in Show-me state (Columbia, MO, where Mizzou is), I liked their Italian beef sandwich. Since that I have not gone back to Subway. 🙂 I was never big on lunch at work place. I recall at one time I did eat a few times at Unigroup cafeteria, their food is fair and cheap. Probably because they don’t pay people as well as other places 🙂 They only take cash. At current place, I only been there a few times, and all I got was pizza.

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advice and tips Fun

Walk

Reading Time: 3 minutes

I think it’s important to get some breaks during the work. There are a lot of studies and real world examples that people sit before computer or desk all the day, and damage being done to their backs, necks, shoulders, elbows and hands. Thus the popularity of adjustable height desk so that people can choose to stand or sit during the work day. Both Marco Arment and Joel Spolsky did posts on the adjustable desk and ideal sit stance. Also noted Jeff larmarche did a post on a desk with walking treadmill. I think I will do another post on the desk topic some time, when I have more hands on experience on this topic. For me, I don’t have a luxury of setting up my desk most of the time, being it work at company office, or work from home (or Panera Bread, or Starbucks with laptop, which is a big no no according to Marco and David Smith’s “Ergonomics” podcast).

One thing I know I can do is to stand up and walk around. I walk all the time, all the places. In the good old days when I was working at earth city, I walked both after lunch and at around 3PM. I recall I walked with an older coworker a few times, and I could not catch his steps. So I stayed on my own pace. Not too slow though. According to many research, walking too slow is useless. I carried this habit when I worked from home in 2008~2010. At that time I had Blackberry, so I just need to carry it when I walk or occasionally joggling in the neighborhood. I carried this habit to a new company (a small one), and the project manager was not happy with it, I mean walk at 3PM habit. He made a hay out of this, so I only walked during lunch break (at Chesterfield mall, esp. in winter and summer). I like walking in the mall. Usually I walked two loops. Parked outside Macy’s. At Unigroup in Fenton I also walked during lunch break, at parking lot.

Then come to Arch Coal (note the company just filed bankruptcy today). The best benefits I got from Arch was the discount of JCC membership and company pays for 75% of the discounted membership fees. So I got the JCC membership the first time, I am still a member although I am paying the full price out of my own pocket. While I do swimming at JCC pool (mostly indoor, both Creve Coeur and Chesterfield), I also walk on treadmill. Those are two activities I do at JCC. I kept this habit even after I leave Arch Coal, when I worked at Weldon Spring or Mercy Health (Chesterfield and Sunset Hills). For Mercy I found a really nice trail at Laumeier’s Sculpture park. Also in summer 2013 I got a UP Jawbone band, since then I started to track my steps using pedometer. I am aware of 10,000 steps per day as doctor’s recommendation. But only when I get the Fitbit Charge my tracking and charting became more consistent.

These days I usually walk during coffee break, lunch break to get most of the steps during the day. If for some reason I did not get much opportunity to walk during walk (which means I sit too long), I will try to catch up at JCC or at home (late evening, weather permits). St. Louis’ winter temperature sometimes is not very forgiving. That’s when JCC comes to play. I will do swim, as swim usually consumes more energy and it exercise the whole body including arms.

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advice and tips car Fun

Commute

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Commute is a meaningful part of our work life, for me in my 15+ years work, I had commute most of time except in 2 cases: 1) I lived very close to work for 1 year; 2) I worked from home for 15 months. St. Louis rush hour traffic is not as bad as Los Angeles or Beijing, in my case my commute usually takes between 15, 20 min to 35 min (10 to 25 miles) one way. Also I am lucky in the sense I was against the traffic most the time.

toyota camry 2012 blue

Listen

Initially I listened to NPR, e.g., morning edition, all things considered when driving, it helped my English listening comprehension. Since last June I listened more podcast or music for the 30+ min drive.

Accident

I got into one accident at riverport drive about 10 years ago. Someone went to work in a hurry at around 5 pm, and she hit me at red light. To make things worse, she drove away after the accident. The second day I was able to find her car, and called the police. But it does not help my out of pocket expense (insurance deduction), as she does not have insurance.

Car pool

I did car pool in 2 cases, both not long. Once I did it with my coworker, we took turns drive, I park my car at his place when he drove. The thing is he is an early person, I had to get up early for the car pool thing. Another time I car pooled with my roommate. He worked at another company at earth city. Another downside of carpool is when I don’t drive, I don’t have the car to go out for lunch, had to pack lunch, go to cafeteria or go to Burger King which is in walking distance.

Snow

Any significant snowfall will make the commute miserable. I caught into this once partially due to my poor judgement. I took I road I don’t drive normally, thought it would be less crowded. Dumb mistake. It was less travelled and the crew did not get to it, huge snow pile. Near my home I made the same mistake again, I tried to drive uphill, but my car slipped. I got some help from the people nearby and was able to drove over the hill. After couple more dumb mistakes trying to make short cuts and almost got the car stuck in snow, eventually I was able to make it almost home, I only needed one left turn on the drive way. And my car got stuck in snow. My neighbors tried to push the car, we still cannot get out. So we had to left the car there. After that incident I think I had much more respect on snow, in terms of its effect on driving. As one of my coworker said, highway 70 is a giant parking lot. True. We as human beings are just powerless in the face of Mother Nature, be it snow or flood. This Jan we just had a major flood in the area.

Remote work

A few years ago I did work from home for a full time job for 15 months. The results is mixed, I think it has both plus and minus. Working from home or flexible work has becoming more popular these days for many white collar jobs. Many companies support this idea and some form of remote work days. But as the way most companies setup and human interaction go, I think we still need to go to office and work with coworkers on some of the days. Not to mention many jobs that require people go to office. In other cases, working from home crowd sometimes miss the chitchat at office, and we have the co-working place popping up. So I think commute will still play an important role in our daily work life. As time goes we will have more fuel efficient cars, or maybe even driverless cars. In the latter case we can watch YouTube while go to work. Let the computer (or robot) do the driving 🙂

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advice and tips Fun

Sleep

Reading Time: 4 minutes

I was able to figure out how to put my work Dell laptop into sleep recently. The problem was that if I just unplug it from the docking station without put it into sleep, it will be on and usually runs out of battery in the morning, in other words it will needs reboot in the morning when I come to work. I figured out this one without googling: thought it may help if I push the power button on dock station before unplug, and it worked.

This and a minor thing about the good old UP jawbone band (have to push the sleep button to start record sleep), reminds me of the sleep issue for me from time to time. How I wish I could have a button when being pushed, and I could fall right into sleep 🙂

I recall the first time I wanted fall asleep but could not was at the time I would take high school exam the second day. I was at a good middle school and needed to score good enough to get into the same high school. Although I knew if I just do as I do usually, I should be good. But I was still nervous, deep in my heart, I knew getting into this high school means I am halfway into college (which is a big deal for me, because that means I will move from rural area to big city, and eventually work in office instead of work on farm). Similar thing happened to me before Gao Kao, the famous college exam (it was 3 days then), and I did not get much sleep in those 3 nights. I recall I did the same before GRE exam. So as the night before I board the airplane to the US, obviously I was not so certain how it will play out when I came here for study: a country seen only from movie before.

Fast forward, from time to time (not very often) I will get this sleep issue again, due to silly things at work. I recall in 2006, when I was in Shanghai work remote, I need to come up with a software bug fix. I worked really hard, thought about the problem hard, and could not fall asleep one night. Good thing I solved the problem the second day, and everybody was very happy. And I was too excited the second night to fall asleep 🙂

Another time (working for another company), the situation was not as nice. One afternoon, my boss called me (he rarely does, we all work from home), saying the project I delivered to customer was not good, they were not happy and they complained to my boss’ boss. Had to come up fix quickly, with unfamiliar code and so so economy. I lost sleep that night 🙂 I recall I also lost some sleep in the financial crisis, when the market turmoil made my 401k into 201k. I also had a small trading account, and I lost about $1200 on WAMU (Washington Mutual). That’s also the time I got most my grey hair (2008 to 2011). I still lost sleep due to work related issue in 2014/2015, sometimes I would check email from iPhone in the middle of the night as I was expecting something; sometimes check it just because it’s within the reach, then start thinking about work related things. One way to avoid this is to put iPhone somewhere not easy to reach (e.g., living room, this is a tip I learned from my former coworker).

Interestingly the stock market in Jan 2016 brings back the memories of dark days of 2008 (financial crisis), I saw the declining of 401k as well. But long term I am not that worried as I believe we will recover from this in a few years, similar to last time. So no need to lose sleep. Even for people who already retired, I think they should stay calm too. I believe some retired people lost faith last time around, and bailed out at the bottom, and did not get back in quickly, in doing this they lost a substantial amount of their retirement savings in 401k/IRA. It’s understandable because the depth of the financial crisis is almost unprecedented, but we should learn from the history and be rational about the market.

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