##get@the offensive+proactive

k_tectonic

Sometimes I feel fed up with reacting to stressors. “Let’s be proactive and get on the offensive… higher ground … build up stronger defenses around my vulnerable spots like 黄河大堤” 人往高处走. In this blogpost, I want to stay close to the theme, and minimize overlap with Do reduce annoyances b4 stress spikes #preemptive.

  • — parenting .. help kids develop life skills
  • spending habit
  • — wellness
  • BMI deep-green zone
  • aggressive fasting like Bayonne
  • more raw veg but only when hungry. The pre-emptive fill is an ineffective “offensive”.
  • — gz
  • Dram-refresh on tech blog, esp. c++ critical mass maintenance
  • more xref in tech blog
  • seek opportunities to join friends in coding interviews.
  • fuxi localSys .. notes and emails
  • — financial
  • learn essential DIY (among other skills) preemptively, since U.S. handymen are expensive
  • build up batteries/war-chest well in advance for U.S. housing

Paradoxically, these “offensives” don’t feel like stress relief. (Therefore, this blogpost is not exactly about stress per se.) Let’s be specific.

Q: will more stock investment gains improve or exacerbate my stress profile?
%%A: probably exacerbate. In my recent experience, it doesn’t preempt any stress. However, stock picking is a positive recreation and somewhat therapeutic when I focus on analysis, buy-n-forget with ad-hoc retrospective (not babysitting). The focus is crucial, similar to the focus on [[ARM]], [[Doug Lea]], Oracle experiments, and many other dry subjects.

Q: will a higher salary in a crypto shop improve or exacerbate my stress profile?
%%A: won’t be better than EPA job ! I care less about exclub/FOLB nowadays.

horse riding: y many ignore high risk@@

I don’t know why many (usually white) Americans enjoy horse training and riding. Statistically, it’s very dangerous. Whenever you fall, there’s a real probability of injury. I sometimes envy their enjoyment, but that enjoyment is not so important to me, whereas the risks are important to me.

I guess that many motorists won’t wear helmet if no regulation. These individuals choose to ignore the risk even if they attend a safety course..

How does it compare to motorbike or car driving?

How about keeping a dog? I think there’s a real advantage — my kids would be more confident about dogs. Dogs are quite common in the U.S.

How is yoga in comparison? Is yoga that important? I guess it motivates me to keep working on flexibility. In that way it is life-enhancing.

##[21]visibleGrowth plateau: #江河日下 #w1r5

 

k_def_of_success

See also

This blogpost is about a shared[5] but often vague sentiment of 江河日下 [plateauing]. (This blogpost is therefore non-distinctive, hard to remember , despite the graphical phrases ..)
This blogpost is a serious (perhaps too serious) effort to identify a specific type of personal goals [追求] underneath that sentiment. These goals are primarily defined in terms of CC) successC i.e. measurablen-steady progress including “batteries” of accumulation. If such a definition is inappropriate [1] then my personal goals are defined in terms of ZZ) successZ i.e. zqbx 自强不息. This blogpost should be mostly about successC.

[5] Remember the timetable in [[Midlife crisis]]?

One clarification about the definition … The antithesis of progress/accumulation/自强不息 is stagnation/decline ,  surrender, passive_acceptance, fat-n-happy… Despite my best effort, this definition is still abstract and unintuitive. The big list below helps clarify it but is not extremely effective. So we need both the definition and the list.
——- end of the lengthy definition ——–
Background: During my HibernateInSingapore phase, frequently I feel /lousy/[4] and would occasionally lament[2] that my personal growth, as defined above, has slowed down, plateaued, past the peak, 江河日下 or 下坡路.  Don’t get me wrong — I’m still pushing myself hard on absorbency, on personal improvement, on plowback,,, as I still hate wasting my precious time and energy in “cruise mode”.

As we age, hopefully some earlier domains of (personal) growth would be replaced by new domains of growth. “One door closes, another one opens.” Crucially, the progress we make are often impermanent … Imperfect batteries of accumulation.

[2] the lament is a paradox because at the same time, my family livelihood is actually improving towards a carefree ezlife. Mellowing up, letting go, loosening up, /unwinding/.. The paradox reflects the conflict between successE and successC.
[1] The two parts are actually interdependent. In more and more domains like BMI, stretch, Dram-refresh,,, I can’t make real, lasting progress. Quite often, the defining features of “burn” [materialistic gain + self-discipline ] are fundamental to both successC and successZ.

Also fundamental: my absorbency (and time) continues to be a scarce resource. 鱼与熊掌. As I shift my focus to wellness, I choose to let go and defocus on successC [localSys, coding drill, Dram-refresh ..].

One of the best analogies — A start-up, an emerging economy, a young athlete/artist/writer .. also experience the same slow-down, plateau, or apparent decline (as in Japan) after years of fast growth. Hopefully some lessons can be shared. Re A.Brooks article.

— the list of personal goals (as defined above) giving rise to the lament
[m=measurable … not always a “progress”]
[b=battery or progress]
[a=absorbency]

  • [ abm] BMI .. the best type of tough goal — measurable, easy to monitor, strategic leverage. BMI is my #1 goal. I am able to keep my weight below 65, but trying hard to bring BMI to deep green zone.
  • [E am] chin-up .. kinda measurable but progress is easily lost.
  • [D a] stretching .. I target 1 minute/day. Real effort to maintain a few minutes a day. Not measurable .. I once had some hope of improving range of motion, but has given up completely.
  • [C am] weekly workout .. frq improving towards 4. Targets are well-chosen.
  • …. [C = decent effort or decent progress]
  • [  abm] coding drill [D] and [C] QQx .. including Dram-refresh.. now a LGlp.
  • [  am]  quant study .. not comparable to MSFM years or the earlier self-study years, but in hindsight, what’s the long-term value of MSFM? SuccessZ, successC [branding]
  • [E ab] localSys .. [including Dram-refresh] no target; some effort once a while
  • [D b] wider recreations .. to pre-empt boredom or loneliness in retirement (re grandpa). No target, but I try to /cultivate/ writing, music, stock-picking, workout variety. 

List above are the the ^^ improvement goals ^^. I tend to focus on “room4improvement”, subconsciously motivating myself. However, nowadays I like to focus more on the positive factors, so below is the 2nd list of personal goals (same definition).  I have done well on these celebrated goals:

  • [B] dental health, memory aging, mentalPower .. reasonably well-maintained
  • [C-] stress prevention/reduction/protection .. improving gradually as we mellow up (and gain introspective insight), and transition to maintenance mode.
  • [C-b] family bond .. [marriage, parenting] not bad at all, improving. Fruitful (rather than wasteful) family time
  • [C+b] DIY skill .. (crucial in U.S.) improving progressively
  • [B-b] preparation for U.S. relocation .. (financial++) improving fundamentally
  • — career, finance #the familiar domains
  • [B  b] IV competitiveness .. Not growing but staying in  shape; well-maintained.
  • [B+b] (long-term) career and (current) job security
  • [A-bm] salary .. well-maintained, much better than feared. I now care less about exclub. By livelihood target, my salary is A++++.
  • [A-bm] NAV and FullerWealth .. growing at a steady pace from strength to strength, hitting my targets
  • [A m] brbr … well-maintained.
  • [C bm] stock picking .. enjoyable, not tough burn. Targets are LGlp.
  • [B+b] brbr recon .. improving
  • [C bm] rental mgmt .. BGC improving; Cambodia excellent

The two lists have to be well-defined to be meaningful. Some other items don’t require _effort_, therefore out of scope: sexual health; heart health; work/life balance;

— [4] (A partially related topic) over short-to-medium term I have been feeling lousy, partly due to burn [absorbency] , partly due to laser, partly due to measurable progress (mostly successC)

  • [z] too many movies .. either in cinema or at home… improving
  • [cz] AMB .. limited _visible_ progress, but I don’t want to feel guilt or inferiority
  • [cz] coding drill .. Recently, I didn’t help friends’ CIV
  • [z] diet .. real achievement to maintain discipline
  • [cz] BMI .. no improvement since Apr 2020, but real achievement to reverse the decline
  • [cz] math coaching sessions + father/daughter bonding .. visible progress
  • [c] communication channel with boy .. visible progress
  • [c] new HDB .. Something important to wife. I did put in lots of serious effort.
  • [c] MOETF .. the recent incremental acquisition is a key feature of recreational stock investing

[c=successC]
[z=successZ]

— Grandpa’s corrective comments.. I told grandma that compared to my cohort, I feel too fat-n-happy 沒有追求. He corrected me .. 沒有过分的追求. He is right. I still work hard towards my goals。

I also told grandpa about my feeling 懒散, 无为之道. Again, he corrected me — I’m a responsible professional, and dedicated father.

I am basically comparing with the earlier self, but things have changed in terms of priorities, vitality (energy level), career runway ..

知足常乐/successE ^ successZ #contentment fat-n-happy

k_def_of_success

See also

Exec summary of a paradox: we need to harmonize/reconcile the positive and negative aspects of zzcl[知足常乐].

  • contentment [zzcl/知足常乐] is a positive attitude, related to successE. SuccessE is always defined based on wellness + well-cushioned livelihood, so constant effort is required by definition.
  • slippery slope from contentment to negative attitudes of laziness, stagnation, complacency, comfort zone, 生于忧患死于安乐, 安于现状.. collectively referred to as failingZ [opposite of successZ].

— burn-n-rot (time mgmt) .. I used to feel guilty about comfort. Comfort used to mean rotting, failing successZ,,,

I feel rotting usually in a context without adversity.

Nowadays I adopt zzcl to combat the poisonous burn-n-rot perception.

— fat-n-happy .. a neutral term. Traditionally not positive, but used positively in my blogs.

Obviously, we want zzcl[知足常乐] without complacency.

I feel fat-n-happy (in the positive sense), but not complacent or lazy esp. in my career.

— accept 碌碌无为 kids, non-academic kids, mediocre kids .. important to my zzcl[知足常乐]

— professions and companies with moat .. are enviable, admirable, even though they are associated with comfort zone and low drive for zqbx.
* eg of no-moat: Andy Grove “Only the paranoid survive”. The fat-n-happy won’t survive. 危机意识
* eg of no-moat: Singapore government guarding its position and staying exceptional. The leaders endure zqbx[自强不息] so that citizens and (the wider) residents of Singapore can enjoy zzcl[知足常乐].
* (main eg) My focus in this bpost is individuals, not organizations. So the main example is older doctors. They are the exception to prove the “Rule” that most of professions require us to stay actively engaged in continuous learning and self-renewal… zqbx rather than fat-n-happy.

On the other hand, doctors and some other professions [including WStC] are /entitled/ to enjoy the fruit of our earlier (decades of) labor, and enjoy zzcl[知足常乐]. This zzcl is not laziness, and not failing successZ[自强不息].

— Q: what if this individual adopts a relatively laid-back attitude, like Chonglei.Qi’s ezlife attitude, without struggle (See proactive^passive acceptance/Resignation)? How is his successZ?

I think it is fine if not too lazy, and not a dead weight to other people like the homeless beggars, or Tanko’s brother (based on hearsay). Basically, successE with some successZ is a good life, a decent goal.

Wellness is a key factor. Wellness requires successZ (自强不息, self-regulation, self-motivation and can include self-improvement). If an individual takes responsibility to maintain personal wellness, then she is unlikely to become a dead weight.

Similarly, frugality is a 2nd key factor. It too requires sucessZ (self-regulation).

Therefore, self-regulation is the basis of successE. In fact, it is a basis of all four successes.

A laid-back blue-collar worker in a welfare state like CA or Denmark can have quite an enviable ezlife and enjoy better life chances (and livelihood) than even the high achievers in an impoverished community. After they pass on, each of them will be forgotten due to 碌碌无为.

Women tend to become dead weight so women need 独立 more than generations before.

碌碌无为^successE^successZ #xpSelf

k_Kahneman k_def_of_success

See also

Executive summary of a paradox

  1. 碌碌无为 can imply laziness i.e. failingZ. This is a real concern to me (and many people around me), requires active intervention.
  2. 碌碌无为 most often means failingL, but this is a non-issue to me, at this stage. 99.9% of us are actually 碌碌无为. YY.T agreed with me on successL
  3. 碌碌无为 , but with successE and successZ .. is pretty good, even admirable!

Influenced by my dad, I often feel 一事无成, 碌碌无为, 胸无大志 in terms of successL[lasting achievement]. However, under scrutiny, most of the role models are also 一事无成, as measured against successL. See list below.

  • your tech innovations .. (even patented inventions) most of those in my domain suffer tech churn, in the ruthless march@technology. Similar situations:
  • .. innovative financial products, financial services
  • .. marketing innovations
  • your math discoveries.. tend to last generations and bear the mathematicians’ names. Math is the extreme case in terms of long-lasting legacy
  • your literary works .. mostly get forgotten in a sea of similar publications, after waves and waves of new publications. I think electronic publications, often in video or game formats are crowding out the traditional literary (print) publications.
  • if you build a company .. then how long can it last? Biggest lasting impact would be job creation.
  • if you build either a publisher, a broadcast platform, a social media network, or an advertising network (Goog, FB, Baidu etc) then what innovations do you create? The more digital, the worse you will feel in terms of competition, shelf-life and lasting value.
  • OC-effective guys .. are 一事无成 by default

Now I think 碌碌无为 mostly refers to successL and successC.

— xpSelf ^ rmSelf… The rmSelf’s life evaluation is usually 碌碌无为 , based on exclub (peer benchmark), but I think such an evaluation ignores the xpSelf. The xpSelf can experience a boring, uneventful decade, which is not easily achieved and requires lots of karma + non-trivial effort.

I really want to celebrate uneventful 碌碌无为 lives. Many parents want the same for their kids when they say “I just want him/her (xpSelf) to be happy” rather than “great”.

— My Shiyan + WallSt peers may point out that my evidence of personal success (re letter to wife) is a glorification of mediocrity, 胸无大志, in comparison with the semi-highflyers in terms of successC [income, brank]. I reject those yardsticks. My “personal success” was based on other yardsticks such as successE and successZ [自强不息 self-improvement]

  • How about ERE author Jacob?
  • How about Rong.Zhu?
  • How about XingHe vs WQ.Luo

How about an average general practitioner (or a board-certified lawyer/accountant/engineer) of my age? Mediocre, 胸无大志,,, but the Chinese conventional wisdom regards him as somehow more success than me .. why? Largely because of income exclub i.e. successC.

— battery .. is related to 碌碌无为 because successL requires accumulation.
— Q: is it shameful (for me or my kids) to end up 碌碌无为 but stays frugal and healthy, take care of the body given by our parents, enjoy a relatively uneventful life (at least for the 2nd half)? Is this successZ?

I guess my wife’s cousin Zheng might be one example. I guess his parents wanted it this way and had no regrets. Ditto my parents.

Such a life meets my successE criteria, iFF you can achieve it. I think this life is not easy to achieve, esp. “healty” and “uneventful”. Every life is /punctuated/ with tragedies, swans+missteps, wasted potentials, unfair treatments,,,,

[20]serenity^zqbx: passive acceptance@bad situation

 


k_tectonic  k_mellow  k_def_of_success

See also

Executive summary of a paradox

  • Serenity .. a positive attribute (valuable and rare). True serenity in the face of adversity requires strength and is often (not always) supported by zqbx. As such, serenity is part of successE and successZ.
  • Passive acceptance .. a negative attribute.. often resembles serenity-without-zqbx.

In this blogpost, my (initial) focus is the widespread passive acceptance of … highly unsatisfactory, barely tolerable or dire situations. Surrender, give-up, 破罐子破摔 are some of the synonyms. These individuals accept the unacceptable (or nearly-unacceptable) and make do with what they have, without zqbx, or trying harder to improve the situation. The most visible example is the homeless beggar, and those sleeping rough in New York city.

On the other extreme, as illustrated through numerous examples in long-term ROTI=rare #600@高考 #Serenity, we should NOT beat ourselves up with unreasonable standards and self-hate. Self-acceptance is paramount. Some call it serenity. Mellow up if you can, and don’t beat yourself up if you can’t achieve it in a reasonable amount of time 🙂

So we sometimes need to strike a balance between ZZ) zqbx, not giving up even in a dire situation vs SS) serenity or self-acceptance of personal limitations. Here, fine judgement is a /rare virtue/. We pick our battles on the really important things. We also pick our battles where we fight to slow down or stop things getting worse. We need the “wisdom to know the difference” between (ZZ) and (SS).

In real life, some wise people might adopt passive acceptance (passive = without zqbx) and display serenity. We are digging into two unrelated phrases with subtle connotations and invisible overlaps. If you don’t want to avoid these two phrases, then you would need to accept and deal with the /messiness/.

In all the challenges listed below, whenever I choose ZZ, my personal-effectiveness shines through (interpersonal effectiveness seems to be less valuable). Over time, the difference between the proactive and the passive can become insurmountable. I’m far from the perfect role model, but my efforts were huge. My endurance was remarkable in the face of repeated setbacks. Thomas Edison said of his light bulb “I haven’t failed — I’ve just found 10,000 that won’t work.

— eg: EDyw .. Non-penetrative or fortnightly/monthly felt like poor choices, like those highly unsatisfactory, barely tolerable choices. How about the current weekly frequency?

I am adopting the zqbx attitude, esp. in exercise and active calendar management.

— eg: summer sleeping mats .. many disappointments with ice crystal cushions, bamboo, straw, synthetic rattan mats, and even plastic-straw mats,,, so my expectation (of their value) was reduced over and over again, so I wasn’t keen to re-consider them. However, some (not all) the cooling mats can alleviate a common but bad situation — growing dependency on A/C. Does it make a real difference? I think it can reduce the number of days I turn on A/C, by 5%…ctbz.

— eg: wordpress.com block editor… The company made it look like new editor is so entrenched as to wipe out any hope of using the classic editor. I was passive in my acceptance of this fate. Then I became proactive.

Harmony? I chose SS after trying for a long time. Serenity would be needed iFF no choice.

— defining eg: Singapore government didn’t accept congested city centers, runaway housing cost, tap water quality, seasonal flooding, declining standard of Chinese, limited local talent pool, over-reliance on MYS water supply, (During covid19) ICU shortfall, overwhelming workload of contact tracers, hopeless prospect of containment, growing threat to nursing homes … which many governments gave up on and accepted. SG leaders took actions , often over decades, to reduce each of these problems. Serenity? Irrelevant.

— eg: math practice — many math students accept that some problems are too hard, so they give up. In contrast, XA.S’s attitude is like zqbx. Also many girls (and some boys too) in my primary and secondary schools put in more practice and improve their pattern recognition. I’m somewhat more skilled than most students, so I didn’t need so much practice, but there are some topics that required me to practice a lot.

Jolt: I also accept that some topics and some problems (like competition level) are too hard for me , but only after I put in a lot of effort.

UChicago MSFM .. at age 42 my attitude was roughly the same. I sank in 30-40 hours a week, and then accept that some homework and past exam problems are too deep too hard and my understanding remained shallow and unconnected, esp. on FixedIncome. Did I give up? Not sure. I think I basically chose a time limit. Any additional effort would have taken up too much time and produced diminishing return.

Serenity needed…

— eg: Coding drill is similar. However, virtually all the web2.0 style coding questions can be solved in 45 minutes, not as hard as the toughest quant problems.

The situation is very bad for some older programmers as they couldn’t pass any speed coding test, or pure-algo test, or weekend assignment.

Harmony? They can choose either zqbx or serenity. Serenity smells like passive acceptance. I choose SS i.e. Serenity but not giving up completely.
— screen time .. I now perceive it as tolerable. XA.S (math!) seems to accept it
Harmony? I choose SS i.e. Serenity, but not giving up completely.

==== household living
existing A/C trunking .. I think most people would (passively) accept, due to high cost.
I think we have to accept the total cost of ownership of indoor cooling.
staying on low floor .. For years, wife accepted the unsatisfactory living conditions including smell (smoke), dim lighting, downstairs noise, pests.
— silver-colored personal chopsticks .. I prefer uniquely-colored chopsticks for unshared usage, but the silver-color drying rack makes my chopsticks hard to find. For years, I didn’t think of improving it. Now I use a unique dark color .. elegant solution.
— on many short pants

  • side pockets too wide-open for cellphone .. for more than a year I had to keep my phone in (more secure, less reachable) pouch or backpack
  • no hook for access cards.. For years, I accepted it, and had to clip my access cards on insecure belts.

==== career
— eg: SY.C said a friend in his 50s got a SWE job offer from Citadel .. Harmony? I choose SS more than ZZ.
— eg: Sunil was unsatisfied with 1) his AVP and the 2) underwhelming prospect of dotnet. Most people in his shoes would accept it, but Sunil took actions over many years and eventually broke through.

Similar eg: my java-}c++ transition, and web2.0 CIV — 99% of us find it hard to cross the moat. Most accept the result and give up. No shame. I didn’t give up on c++. I gave up on HFT interviews. Web2.0 CIV is within reach but am not in a hurry.

Sunil’s and my situations were sub-optimal but not really an example of hardship and passive acceptance thereof.

Harmony? a balance between zqbx and serenity.
— career longevity .. After talking to Miles Yang and XA.S, I felt most of my peers don’t have my dev-till-70 in the WStC harbor
Harmony? I choose ZZ, but I think my peers’ acceptance is not passive.
— job insecurity at a particular place — In today’s economy, most adults experience job insecurity at some points in their adult life. It’s more clearly felt for techies. Most of us accept the anxiety, the fear, the tangible potential impact on our families, and accept it as the norm. “This is the world we are in”. The individuals in ## Not alone2hit job loss were less worried than I was.

I worked very hard for decades, devising and strengthening my dev-till-70 plan for WallSt. Today, I feel more prepared, more confident than that majority I described.

I also learnt my lessons from my false starts, which tend to kill our long-timer plan. I think these disappointments define me and my peers. Some (who?) are even more resilient than me.

Harmony? I choose ZZ because I can.
— long commute .. most of my peers (NYC commuters) accept long commute with serenity
Harmony? I choose SS after deciding on the commute total cost.
— bench time — Probably half the adults in the developed countries I know are pessimistic about bench time after job loss. Jack Z is one example. For techies, median bench time is probably 2M+. One-month is considered rather quick. The higher your salary, the longer you need to sit on bench. These individuals (my sis?) accept it with serenity. In contrast, I choose ZZ. I work very hard to build up my cushions including

  • embrace 70% pay cut just to go out and work
  • constant interviewing even when not job hunting

==== wellness
intimacy ..for years I accepted (passively) the underfucked life, and frequent derailers to my intimacy. I have multiple emails, blogposts such as Xmas2021
— BMI — Rahul was very determined and in-control, but he might be somewhat overweight. Many of my colleagues are overweight. I tend to assume they have poor control over diet or exercise, but I could be very wrong. I think they accept it. Most people don’t i understand why I work so hard towards deeper-green zone. However, I did accept my weight may not go down to 61 kg again. This acceptance is sub-optimal but not unacceptable.

Some slim individuals are not really better at self-control. I guess some of them are just lucky. I have many colleagues who said they are unable to put grow “stronger”.

This “control” is central to successZ, but if our body “system” is hard to control, then I think we need serenity.

Harmony? I choose non-passive acceptance, and mellow-up. Not really serenity. In fact, I think non-acceptance and zqbx is better for some individuals in my cohort.
— supper — I accepted that I would feel hungry if 1) i’m awake at 11pm and 2) there’s food at home beside fruits and veg.
This acceptance is non-ideal but remember my breakfast skip, delayed lunch and dinner. Overall, this is not an unhealthy habit.

Crucially, instead of surrender I fight a bao3shan1 battle by controlling starch and following late-sleep diet tactics 

There is some harmony in this battle. I choose ZZ but not extreme. There’s some crucial element of SS.
— workout 3/week — Most adults have inadequate workout, partly due to lack of time. They accept it. They point at “lower” societies (earlier, primitve or less developed), and conclude that in our advanced society, lack of physical activity is normal. I take it more seriously than the majority but only since 2018.

As of early 2020, I now accept 2-4 times a week for myself. I would say 1/month is barely acceptable and 1/wk is decent.

As of Oct 2020, I now push myself towards 5 times a weekI choose ZZ because the barrier is not so high.
— G3 defining example: yoga —  Most male adults have insufficient flexibility, but they accept it and put it aside as lower priority compared to strength, body shape, or endurance. Yoga is hard for me, but I take it very seriously.
Harmony? I choose ZZ, because my goal is high but feels achievable.
— pull-up — Most guys can’t do 10. The overweight guys can’t do one. They accept it. Similar to yoga, Pull-up is always challenging for me, but I don’t give up. I live with that sense of challenge, self-imposed pressure.

If you are overweight, then self-hate is counterproductive.  But don’t give up. Assisted pull-up is the way to go. Here is a good illustration of the balance between passive acceptance and self-hate. Zqbx vs serenity. I choose ZZ, becasue I can.
— G5 best example: belly fat — As described in why I feel successful, most guys above 30 have a visible belly and most just accept it. In this case, I didn’t have an uphill battle, but if I don’t exercise control, I’m sure to grow a belly.
I choose ZZ.
— longevity goal .. most of my peers seem to target 85. It’s not an unacceptable target. But I don’t accept it. I choose ZZ.
==== pff .. my favorite and strongest domain, so I won’t talk too much about myself.
— savings for retirement — Most adults seem to worry that they have insufficient financial resources to support their desired retirement lifestyle. (I suspect many realize retirement burn rate is much lower, like $2k/retiree.) Anyway, most seem to accept it and take almost no action.

I should ask those endowment salesmen “How many percent of the respondents actually feel well-planned for retirement?”
— savings rate — Most adults (my sis included) accept a brbr below 3/2, i.e. they save less than 1/3 of income. They seem to accept “saving 50% is too hard and unnecessary for me”.
Low saving rate is not a dire situation until a pandemic. OCBC survey shows 70%Singaporeans can’t last past 6M if jobless, due to insufficient savings.
— mortgage — Most buyers accept as unavoidable — “Except the super-rich, who else can avoid a mortgage”. I think they can, provided they save up higher, and buy lower as I did.
Well, mortgage is non-ideal, but not a hardship.
Harmony? I choose ZZ i.e. non-passive acceptance. I don’t give up.
— ECR 8% per year — I don’t think it’s common, so I choose SS.

math: Chn students’ advtg=short-lived

Look at programming course. East Asian students don’t seem to have an edge over Americans.
Look at math. I believe East Asian students have an edge, but sometime during the 4Y in college (possibly starting in high school), in STEM courses American students somehow catch up to close the gap.

In the big picture, the math advantage is short-lived


Many say the Chinese students (including Singapore, HK …) are the smartest compared to Grade6 counterparts in other countries, largely due to their math standard. (More than other subjects, basic math is associated with IQ.) China students are traditionally known to be very strong in math “problem solving”, from primary school till pre-U level. If we take a random sample of 10,000 age-16 students from China to form a “China sample” and use a standardized test to grade them in A/A-/B+/B/C (not numerical score [1]), and repeat the same on a U.S. sample, and a Japan sample, and a German sample, … we get 150 national sample and a score for each country. Probably China team will be stronger than most teams. (I have reason to believe Russian team, Korean team, Singapore team will also be strong.)

[1] For the statistically inclined, the “score” is not a number, but rather a histogram. We can compare two histograms by their IQM or their median. We can even compare their mean since there can be no outlier in a letter-grade. Tthere’s no real difference between a score of 881 vs 882 — such granularity is completely misleading.

Now, how about programmers? If I take a random sample of 100 China-trained programmers (below age 28 [2]) and grade them on a standardized coding test, and repeat the same on a random U.S. sample or Australian sample… I believe China team will Not be so strong. Why? Below is my educated guesses.

(I will use “American students” as a proxy for students in developed western countries, where emphasis on math practice is much lower.)

My Answer — many American students before age 17 don’t bother to practice math problems as much as their China counterparts. (My son is this type. My sister’s Australian boyfriend Chris was this type when he was young.) They don’t see a purpose. If an American student and a China student are equally intelligent then the China students would end up practicing a lot more on math problems, and score higher. For a programmer, the American is equally motivated as the Chinese, so they put in similar effort.

My Answer — Also, China education system is academically more competitive. China’s top schools practice competitive enrollment. In American schools, before Grade 9, most exam scores don’t matter that much. Even at Grade 12 (last year of Pre-U), exam scores matter much less than in China. Most top colleges use national test scores as one of many selection criteria. Therefore, China students not only put up with a lot of practice, but also work hard to understand the concepts better, so they can cope with hard math exams. If we look at Google/Facebook coding interviews, competition is equally high for anyone, so the American programmer also feels motivated by the competition and works hard and competes effectively against Chinese programmers.

There’s a deep cultural factor that’s hard to describe fully — For centuries the Chinese family values education achievements more than other nationalities, esp. the visible signs of achievements like enrollment in a famous school, be it university, secondary school or a primary school. There’s enormous effort by parents, teachers and students to improve on standardized benchmark scores, something the American family don’t care that much and don’t put in so much effort. Therefore, at the middle-school level, the Chinese students have put in far more effort on math practice than the American students. As to programming skill …. well no such cultural factor… no prestige …

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By age 25, in the tech or scientific sectors, the Chinese young professionals are still strong, but not “head and shoulders above” the other nationalities.

Q: if indeed the China students were technically strong at age 16 but no longer so strong at age 25, then at what age did they start losing their lead? I know it’s a gradual process between age 18 and 25, but please pick one age.
A: I would say in college, around age 20, when other nationalities start seeing a purpose in working hard and /building technical competence/. That’s consistent with my own experience. My friend Jack He pointed out that in college, the Chinese parents can’t control them.

The math subject is the best example. (To a lesser extent, we can talk about science, too.) The Chinese students are strongest in these subjects. Note there’s no such advantage in performing arts, visual arts, sports etc.

Q: what if I grade those high school student samples on a reasonably tough programming test rather than math test?
A: I would think China team would show no visible superiority, since programming is not a subject they practice for. They don’t have 20 years of past exams to study. There’s no purpose in practicing on programming since this skill doesn’t help them get into top colleges.

Q: what if I grade the students on a physics test?
A: I would think China team is still strong if the test is mostly theoretical physics, but their advantage will be smaller than in math test. Math is more abstract than physics.

Q: what if I grade the student sample on a standardized chemistry exam?
A: I don’t know, but I doubt the China team would show superiority. Chemistry is even less abstract and theoretical.

Q: how about history?
A: Not a subject with an international benchmark

Observation — Many China schools have impressive track record in training students on theoretical, abstract subjects like math and theoretical physics.
Observation — For two equally intelligent students, motivation (and therefore effort) is the key differentiator
Observation — China students were motivated to study math at an earlier age. Other nationalities can catch up when they find the motivation.

Therefore, I now believe math (or any other subject) test scores in primary school, middle school, pre-U don’t matter as much as some Chinese parents believe. We have a cultural bias to place too much emphasis on test scores.

The statistical correlation between Grade-10 test score and college GPA is probably not very high. The mediocre American students can often catch up with Chinese students later on, perhaps in college (or after leaving college) and become equally strong technically. The American students’ talent is Not wasted in middle school or high school.

Last Observation — when the China student loses motivation, he would lose the competition. This is a marathon. 龟兔赛跑,可以后来居上。

What I want to focus on in my kids is not academic benchmark, but learning habits, motivation, self-discipline, desire to learn. These attributes had better get built-in at an early age.

[2] I put in this condition because among the U.S. programmers, there are many older ones.

— Why I pick programming as the contrast against math?

In this blogpost, I chose programming because programming skill is highly correlated with math skill. Among all the secondary school subjects, math skill has the highest correlation with programming skill. Is there another mainstream professional skill that’s more correlated with math? statistician? actuary? I’m unfamiliar with them, and programmers outnumber these professions by a factor of 500.

I chose “programming test” also because it’s easily standardized. All programmers are trained to solve the same classic computer science problems. Math and programming are both highly abstract and well-defined, so every programmer can understand a standardized coding question.

I chose “programming” also because it can be self-taught with little outside help. If you have a grasp of basic math, and plenty of motivation, you can read tons of free books and practice on hundreds of problems and improve effectively. I think millions of young programmers/students world-wide do precisely that on leetcode.

[21]baggage@book ownership #proactive LG

Borrowed books exert the highest time-pressure, even if I am allocated 6 weeks.

Purchased books generate the heaviest stress in terms of “reading minutes vs $cost”. However, an even bigger stressor is the carry-cost when moving home. Each time I had to go through dozens deciding which titles to discard. Always painful and time-consuming.

Free books are stress-free. Free magazines often show quality content esp. in the case of a global publication brand.

having too many (hundreds) free books (excl magazines) and too little time … is much better than yesteryears when I bought 1/3 of the current titles and had 5 times more hours allocated to reading them.

Q: what books qualify to be retained beyond next relocation, up to 10Y?
A: I think the magazines are disqualified


k_X_power_descriptor … k_soul_search

The issue is complicated by 3 big factors

  • AA: acquisition cost affecting LG
  • MM: cumulative moving t$cost. Travel light
  • TT: (jolt) limited spare time
  • DD: due diligence when buying

Background: As my collection of free books grows, I may realized there are too many books at home than I could use meaningfully (TT). It proved to be a recurring problem when moving home(MM). Over the years, I have developed my preference for travel-light. The outdated tech books, cheap or free books (AA) are easier to “discard without guilt”, therefore weigh much /lighter/ as a baggage

I used to feel a book is to be kept for decades, even a $20 book, as if every book is a reference book I keep using year in year out. This (ownership…) creates huge emotional baggage when buying or moving home .. (Nowadays I try to buy without oth; discard without guilt.) For 99% of my books I bought it for a specific reason (including interest), read it for a few months and don’t read for a decade, not ever for reference. As a consequence, these books now feel like dead weight. (See the section on “hardcovers on option trading”.)

I used to spot a book in a used book shop, evaluate the likely value [likelihood of learning], for a few month, finally decide to buy it, but spend less than an hour reading it without learning much, and discard it when moving home.

— The Aha (TT) .. I would never have enough time to read every (non-tech) purchased book in depth. Workout, parenting, external dialogs, pff, blogg, tech learning … are all discretionary with higher priority than recreational reading. So I devised the 1H/$10_invested guidelines (10min/$1 for small buys), to help me decide when I have earned the right/license to LG a given book, well before the next relocation.

— LG [discard or give away] .. I now feel proactive LG is a best practice, learning from experience of adapting to the living environment.. natural_selection… healthy and rational.

The #1 blocker/restraint/zsms/baggage of LG is the initial price paid.
The #1 j4 LG is family relocation. No smoke without fire, and “No family relocation, no pressure to LG

Q: Let’s proactively let go of unused books but what books to prioritize?
A: parenting books… esp. non-free, or pure-text, or yellowish, or English,
A: outdated tech books
A: old flame .. see “hardcover” case study

Q: what books are easier to “Let-Go without guilt”?
A: free books are easier to let go, and therefore weigh (much) lighter. In Sep 2021, I had 2 books on “office mini-stretches”. I decided to donate the one I bought from China, and keep the free book from BookExchange. This way, when I move home, I will have lighter emotional baggage. From this experience I concluded that when I have too many books on a subject, it’s best practice to LG bought books first.
A: books I have kept for years but not read for 10Y are easier.

— find shelf space for books

  • how about kitchen cabinet?
  • on top of wardrobe or book shelves

— book categories to let go vs keep

  • discard parenting books
  • discard contemporary (=>outdated) analysis of China, US etc
  • discard outdated tech books
  • keep magazines except current news
  • keep general knowledge books such as math, econs, history, science

— case study: brand new hardcovers on options and FX
Unlike the paperbacks, these hardcovers are published for a much smaller community of financial professionals and cost much higher. Still, each book costs a fraction of the professional daily salary. Sounds like a throwaway amount at the time of my purchase. I bought these books mostly for IV, esp. dnlg IV. Compared to my 10 quant textbooks, the hardcovers are more practical, more /accessible/. I have successfully spent more than an hour per book, commensurate with price paid. However, since 2012 I have shifted direction elsewhere. It highlights a reality with book ownership is — our reading interests evolve with age.

Sugg: give away some titles that no longer appeal to me, perhaps after browsing through the TOC.

In contrast, the 5 quant textbooks I bought in China (in English) were bargain prices. Even though hours spent per book is very low, I feel less “baggage”. I also spent less time (oth) on due diligence before buying

— MM (moving home ).. is by far the biggest test and biggest decision time. Every time I moved home, I would pick some books to let-go. For many of my current books at home, there’s something appealing in print quality, in visual or in wording … but I don’t think I would reopen it in 10Y. Kinda emotional baggage. Transport $cost approaches acquisition cost esp. as your book collection grows, as we grow in wealth. Cumulative transport cost of a given book grows each time we move home

Note that if I only move _part_ of my collection, keeping the rest where they are, then the baggage is much lighter.

Jolt: Those individuals with a large book collection didn’t move home as often and don’t plan to move more than once in 30Y ! Some friends keep hundreds of books, some of which are seldom read. If I were them I won’t mind leaving such books in my bookshelf because there’s a chance I might read one for 10m. They were lucky to avoid facing the same reality I faced.

MM (and ezLG) is the #1 attraction of free books, and the reason I semiconsciously spend so much time collecting them.

Q3: what’s a reasonable life time budget for book transport? S$10k or USD 10k
A: jolt: transport budget can exceed acquisition budget. If a book cost $10, then cumulative transport cost (ignoring tcost) over a few moves can be $10 to $30.

Q3b: what’s the budget for one-time book move by car? $100 acceptable. In fact, books are lighter than piano or some furniture.
Q3c: what’s the budget for one-time book move by air? Very expensive.
A: USD 100 is about my budget but often insufficient 🙁
A: perhaps I should budget $300

Q: how is my barebones ffree relevant in the transport budget?
A: my barebones ffree is based on responsible spend, so I’m burdened by any transport cost.
A: jolt: anyone with 100+ books will not have enough t-budget (like 10Hr/book) so transport cost has to be accepted as fact of life.

The biggest paradox — am generous, mellow, experienced,, in my book buying habits, but not in the transport routine. Therefore, transport is now the #1 heaviest headache of book ownership, much heavier than the acquisition cost. So far, my proven pain relief of transport headache is LG, but I feel stupid about LG of some specific titles.

— Choice 1: free books .. I have found some good free books. They are guilt-free. If on a popular subject [like parenting, stress,,,] a good book costs $20 and a less-good book is free, I would favor the free one, because I could discard without guilt.

Free books are often unclean, even missing pages, and uncategorized, but to my surprise I found many relevant topics:

  • history and illustrated knowledge books
  • magazines
  • parenting
  • Taiwan or English self-help books

— Choice 2: Amazon tech books .. much, much “lighter” (in terms baggage and LG) than the new tech books I bought elsewhere.
Compared to non-tech, tech books are easier to discard without guilt, as they become outdated.
— Choice 3: used book shops .. In SG I used to visit used book shops in 百胜楼, but Strand has better organization and better tcost.
In terms of $cost, the Chinese books (even new books) in 百胜楼 are generally cheaper than used English books. However, nowadays I no longer look forward to those used bookshops.

As stated in the case study, the used books cost at least a few dollars and require DD. I often spent hours in a bookshop selecting books to buy, but after buying, I don’t spend 10x more hours reading them … zsms.
— Q: for my U.S migration, shall I bring all my books?
A: first trip is by myself. I could bring perhaps 25%. When I move entire family over, I would bring most and leave behind perhaps 30% in my HDB home or someone’s home. Within a few years I would need to visit Singapore.