I spent the last hour re-categorizing my phone/email contacts on Google Contacts into more specific categories…. #FirstWorldProblems
Ugh… what the fuck are you doing?
Recently, I received communication that my mortgage loan servicer was changing to a big branded national bank. I’m not sure why the original servicer wanted to sell my mortgage but I guess it happens frequently enough. I also currently use credit cards with this big branded national bank for a few years now and haven’t really had issues using their online portal to check on my various accounts.
About a week after, I still haven’t seen the mortgage account on my online portal. I called the provided customer service line and they apparently could not reconcile the differences between the information from the mortgage with the existing information in the credit card. Somehow they fixed it and the account showed up within an hour.
Fast forward about 5 days, I noticed that “my profile” is wrong now. The order of my name is all jumbled up where my middle name is now my “first name” and my first name becaume my “last name.” I messaged Chase to have them fix it and they said it’ll be done in 72 hours. 5 days later, it’s still not fixed and my mortgage account disappeared from the portal!?!
Seriously!? I called again and they were able to re-link the mortgage account but still haven’t fixed the name. Fortunately, I was able to get the phone number for “direct call-in.”
This is just stupid.
With the pandemic, I think ghost kitchens have become popular operating model than before.
What are Ghost kitchens (link 2, link 3, link 4)? They are basically health inspected approved industrial or restaurant kitchens that serve food from a variety of different cuisines. They can operate independently as a “Delivery/Pick Up” model and in some cases, can also operate out of a well known restaurant. In the latter case, the only way a person would know there’s a ghost kitchen is by the address when you go pick up the food. If you’re an existing restauranteur, a possible benefit in operating a ghost kitchen from your restaurant would be to serve a different cuisine than the restaurant…. say the restaurnt focuses on Italian cuisine, the ghost kithcen could be serving up a specific niche comfort food like Mac n Cheese and Grilled Cheese.
This idea has me thinking… For any ghost kitchen to be profitable, the kitchen would need to cater to a wide variety of tastes while obviously minimizing the food cost. So what is the minimum number of “different tastes” a ghost kitchen would need to maintain? If you look at some ghost kitchens (Colony, Kitchen United), the menus are extensive and cover quite a lot of cuisines.
The kitchen would need to cater to Asian, Middle Eastern, American, European, Latin, other tasts. Even within the Asian category, there’s distinction between Indian, Malaysian, Chinese and Japanese foods. Even Latin American cuisines, there’s distinctions between the Mexican, Guatemalan, Peruvian and even Brazilian foods. For European, the variation between the northern and southern countries are pretty astounding. Looking at German food and Italian food, the cuisine from each country is different. And even if we just talk about one cuisine… like American, there’s no such thing as “American food.” Americans eat a wide variety of food ranging from BBQ meats to pizza to fried foods like fried chicken. They are all uniquely different food. This is applicable across Indian cuisine, Chinese cuisine, etc…. there are different foods made from different parts of the country but are still part of the cuisine. Can you see the problem already? A ghost kitchen wouldn’t be able to cover all these distinct cuisines let alone the distintive dishes for each cuisine.
But, assuming it’s possible, a ghost kitchen will have to sacrifice less popular cuisines in favor of more popular ones. The kitchen will need to be able to make pizza, burgers and fried dishes (fried chicken especially). The kitchen will also need to make asian rice and noodle dishes and optionally be able to make popular asian entrees like indian curry, thai curry, broccoli beef or soy ginger chicken. The kitchen should also be able to make burritos, nachos and tacos. For more traditionalist dishes, italian pasta with various sauces Finally, middle eastern dishes like gyros, shawarmas and kebabs to round out the kitchen. If each listed food has at minimum 3-5 variations, the ghost kitchen has to be able to manage at least 20-30 different types of cooking styles.
But… I think these ghost kitchens will start a greater food revolution and food evolution. The close proximity of the various cuisines could lead to Indian Curry Poutine!? Broccoli Beef burrito?! Gyro pizza?!
I recently listened to an old/earlier All The Hacks podcast episode “How to Live Your Rich Life with Ramit Sethi.” This episode is amazing. I totally recommend everyone to listen to this podcast and ask yourself one question…. “WHAT IS YOUR RICH LIFE?”
This question comes at an interesting time in my life. During the last two years, I have actually been thinking of what it means to live comfortably. I’ve been watching, learning and reading on topics related to “FIRE” aka Financial Independence, Retire Early (Wikipedia), 401K contributions, what is a comfortable retirement, Roth IRA contributions, backdoor Roth, stock invesment, passive income generation, and probably a lot more other topics. I’ve been in the process of trying to set myself up for future success. Earning passive income fascinates me and will require time and money to setup in order to fully start generating that income. Passive income can come from a number of different sources mainly real estate, side hustle / business, and stock/mutual fund/ETF dividends.
But back to the question: WHAT IS MY RICH LIFE? Currently, I don’t know. Let me think about it.
I bought his book from Amazon to read.
So I recently received an email from some CAL Berkeley faculty asking about my experience at CAL and what has happened since… to be honest, I had wanted to ignore the email. But I also wanted CAL to understand that not everyone had a “great” experience going to CAL. Below is what I initially wrote which I later cut down:
To be honest, I had a negative experience while as a student at CAL.
- I admittedly wasn’t prepared to handle the cut throat competition and new academic material
- I also wasn’t prepared for the suddenly new found freedoms gained living alone away from parents.
- I wasn’t able to navigate the bureaucratic nature of the school system.
- I mistakenly thought I knew what I wanted to do and to major in but only came to realize that I knew nothing about myself.
- I struggled through… somehow able to graduate and find a job but left full of anger and regret.
Looking back, I was lulled into this false sense of security during my freshman year when all the classes I took were topics that I had already covered in high school. AP Chemistry covered Chem 1A/1B. AP Calculus BC covered Math 1A/1B. AP Physics covered Physica 8A/8B. I would spend hours reading, reviewing, and understanding the material to gain the knowledge and mastery of the subjects. Starting my sophomore year, I honestly believed that it would be as easy as the freshman year. But immediately, I started struggling in courses such as organic chemistry and biochemistry. What I failed to recognize was that my traditional way of understanding and learning might not have been the most efficient or effective way to learn the new material. I stubbornly kept reading, reviewing but never quite understanding the basic concepts completely. I also refused to adapt to a different learning style i.e. rote memory since I hated this kind of forced memorization technique. Ultimately, the struggles compounded upon each other creating a vicious negative cycle of being demoralized, questioning my intelligence, failing to understand the new material, becoming even more demoralized, etc… This added to my anger and bitterness as I saw more successful people achieving much more than I did. This kind of cycle continued through most if not all my classes and I somehow was able to graduate and even find a job. I spent a good 9 years feeling bitter and angry as if the world was conspiring against me.
During these 9 years though, I had three paradigm shifts in my thinking that resulted in the person I am now. The first shift came after reading a christian/spiritual book called Living the Art of Christian Love by Morton Kelsey. I discovered this book before I graduated but it left a huge impression on me. This book helped to calm the bitterness and keep it from cycling out of control. The two biggest lessons from this book were “to quiet my heart” and “to listen without judgement.” The second shift came from watching an anime called Aria. I learned that I need to slow down and to start enjoying the simple things in life as well as to appreciate everything that I have. Finally, the third shift came from after reading Shawn Achor’s Happiness Advantage. This book was a game changer for me. Everything I had done from the first two shifts came into alignment with the lessons from Achor. After finishing this book, I started to truly let go of my anger and my bitterness. I came to realize that the drivers of the anger and bitterness were outside my control. By that time, my heart had settled and began to listen to others. I saw the world completely differently and noticed the simple things in life. In many ways, I finally understood who I am.
Today… I am grounded in spirtuality. I am self aware. I am at peace with myself. I control my Circle of Zorro. I understand my happiness. From time to time, I’ll go back to read both books. The anime takes a bit of time to watch but there’s one song called Symphony that I associate with the anime that brings a sense of calmness.
So… basically, a Taiwanese (TW) government agency empowered to utilize resources across multiple agencies and integrate information into a clear coherent public strategy. This government agency shifted from a risk-by-country assessment for travelers to a general mandatory quarantine of any entering individuals. In retrospect, any traveler entering Taiwan gave up their personal privacy and freedoms for 14 days. They were quarantined in a hotel room and monitored by phone daily. Furthermore, a nationalized and digitized healthcare system also helped these agencies monitor individuals including anyone who had to interact with the quarantined travelers.
This video also didn’t recognize the government’s power to implement such a tracking system. Not only that, the video glossed over the fact that citizens also knew the risks and outcomes of a deadly virus outbreak. These two details allowed the government to set strict policies that were generally followed by the population. Even now as TW is going controlling their most recent outbreak in May, most citizens that are able to stay at home have done so with relatively little opposition.
Contrast that to just asking citizens of a certain country to stay at home and wear a mask when going outside, the conversation immediately becomes an “individual rights” issue and violation of their rights despite the fact that:
1) people are getting sick and dying.
2) healthcare is being pushed to the limit.
3) it’s the single most effective means to limit transmission and infection.
When did this “me first” attitude creep into society? And where does the balance between public safety/public health concerns outweigh the individual rights?
John Oliver’s Last Week Tonight talked about Asian Americans. This 30 minutes of discourse is not enough.
After watching this video….
- Can we all agree… White America has a history of pitting various ethnic groups against each other. Even John Oliver calls it out.
- Asian Americans are come from 20+? countries in Asia ranging from India, Philippines, Malaysia, Taiwan, Korea, and Japan. We probably speak well over 20+ dialects/languages. We have different cultures, eat different foods, practice different religions, and have different customs. AND YET… the only thing that ties us together is this term. We should use this to our advantage.
- As Asian Americans, we have to pursue positive change.
- As Asian Americans, we absolutely need to leave America better for our grand kids.
- As Asian Americans, we must demand for a country that doesn’t discriminate people of different skin color, heritage, sexual orientation, religion and socio economic status.
- As Asian Americans, we have to help other minorities as much as possible.
- The only thing White America fears is when we minorities call out the racism that exists. You know you’ve hit a sensitive topic when attempts to deflect the conversation involves “what about-ism”.
- And finally… As Americans, can we strive to follow the Golden Rule? Do unto others, as you would have them do unto you.
By now, the news of Trump’s 2 year ban from Facebook has been widely circulated. I actually disagree with Facebook’s decision of a 2 year ban. Trump should be allowed the opportunity to take back his Facebook (FB) profile. However, FB should strip his history of posts and interactions as if it were a new account. Then, Trump would be subjected to these “more stringent rules” in place for politicians and face the penalties of violating it.
One has to wonder what these new rules are and how many other rules are there. FB explicitly has said it will ban hate speech and abuse. What about lies and fake news? Does FB have an example of what FB considers as hate speech and abuse? What does FB consider as “newsworthy”? There’s so many questions that I think FB is just playing into the Republican’s hand of “censorship.” Let’s take the current Trump talking point about the “stolen” election. Where does it rank amongst FB’s new rules? FB… how about some transparency?
What about the other social media platforms like Twitter (another Trump favorite). Trump looks like it’s still banned from Twitter. But will Twitter also apply the same rules to other politicians as it did to Trump?
With all the recent issues going on in the US from BLM to the current Anti-Asian sentiment, I stumbled across this short (too short in my opinion) YouTube video that brought three Asian-Americans and three Black Americans to discuss some statements regarding both racial identities in America. I think this type of discussion is needed more amongst the American minorities. I believe that EVERY PERSON has a degree of RACIAL BIAS that might not be readily apparent but it exists as a product of culture, family, “group expectations” or personal experience. The video posed 6 different question for discussions that I think tell a pretty good story for anyone who answers them honestly. In the video, the participants are asked whether or not they agree/disagree with the statement. Those that agree would first sit and speak their mind followed by the ones who disagree.
- I care about being accepted by white America.
- I have stereotyped the other side (Black Americans or Asian Americans).
- COVID-19 has hit my community harder.
- I face more racism from the opposite side (Black Americans or Asian Americans) than I do from white people.
- Asian Americans are more advantaged than Black Americans.
- Black and Asian Americans co-exist peacefully.
Here are my answers:
I care about being accepted by white America. I agree. I’ve come to recognize that not being in power is the worst position to be in. A person is unable to establish any basic self survival when constantly bullied by the ones “in power.” Animal nature has shown that the most basic instinctive behavior is to survive. When constantly under threat of being pulled over/killed by cops, under threat of being homeless for not having enough money to rent, under threat of starvation… being “under threat” is not the best place to be at. Unfortunately the ones currently “in power” happen to be white, old America accustomed to the prejudicial era of the 1940s to the modern age. If you think about it, people who are now in their 70s were born in 1950s. Many witnessed the Civil Rights movements and were probably influenced by the parties promoting equality and racism. If you think about even more, there are still people alive who may have marched with Martin Luther King and even participated in the racial upheaval of the 50s and 60s! US hasn’t even gone through a full cycle of where people living today can only read about historical events instead of hearing stories from their grand parents. So yes… being accepted by white America is very important.
I have stereotyped the other side (Black Americans or Asian Americans). I probably have. I remember my parents saying something negative about Black Americans in response to the rioters breaking and taking items during the 1992 LA riots. It stuck with me for awhile to always have to be careful around Black Americans (lock the door, make sure you’re in a well lit place, don’t talk balk, be polite, be prepared for anything bad, etc…). As a kid, I barely interacted with blacks. I knew a few only by name because they were superstar athletes in high school (1 got a scholarship to play football in college) which also kind of matched the stereotype of blacks being better athletes. It wasn’t until the workplace environment did I have a black coworker. However by then, I had adopted a mantra “to strive to follow the golden rule” which meant that I treated the coworker like any other coworker.
COVID-19 has hit my community harder. I don’t think COVID-19 discriminates. One thing about Asians though… they are used to wearing a mask. So the community spread was much slower overall once it was known that this is as easily transmissible like the 2002 SAR outbreak in Hong Kong. The usage of masks slowed the outbreak significantly.
I face more racism from the opposite side (Black Americans or Asian Americans) than I do from white people. I think at a population level or community level, Asians are as racists as Whites are. I suspect most of the racism though comes from the media manipulation portraying Blacks in a negative light (ie lazy, welfare, thieves, gansters, etc). How many of the early Hollywood shows/movies depicted Blacks as respectable upper income families? I can recall at The Cosby Show portraying Black Americans as normal as possible where almost all the other shows/movies show Blacks as thugs, gangsters and other negative stereotypes. This media portrayal definitely brain-washed the older generational Asians and probably new Asian immigrants too. The irony of this is that Asians probably experienced the same racist behavior as Blacks did. But being Asian, they put their head down, bore the pain/humiliation, and moved on. This act of submission contributed to the “model minority myth.”
Asian Americans are more advantaged than Black Americans. I have mixed feelings about this statement. I think for the most part this is true. Collectively, Asian Americans tend to be more advantaged. However, I’ve noticed that Black Americans might actually be more advantaged than immigrants that are fleeing their Asian country due to war, political unrest, religious persecution, etc.
Black and Asian Americans co-exist peacefully. I agree with this statement. However it’s not because of mutual respect but more that each community prefers to mingle amongst their own people. They are peaceful because both groups prefer to not get involved in each other’s “business.” When they need to interact, they act with caution to minimize antagonizing the other group.
So… What are your thoughts to these questions?
The recent racist killings of Asian Americans by “not a racist” white male suffering from a sex addiction and a “bad day” has been in the making it’s way around the interwebs and news media. Of course, the white male suspect has been captured without any further incident.
Can you imagine if he were black, latino, or asian? Wait… Did you think that too?
Wait… Why did you think that? Hmm… but I digress….
Here’s a fun fact… Columbine HS shooting/massacre happened 21 years, 11 months ago. This guy is 21 years old. He probably wasn’t even born yet when Columbine happened.
Here’s another fun fact… Apparently, this guy bought his gun the SAME DAY he killed the Asian Americans. How the FUCK does that even happen?
Here’s another fun fact, since 1982, whites have dominated the mass shooter market (another data set) making up the majority of the incidents relative to other racial/ethnic groups. I think it’s actually white males but the data set doesn’t seem to make this distiniction.
Here’s a final fun fact. HE WAS KICKED OUT OF THE HOUSE BY HIS OWN PARENTS. As much as his parents and the church community attempted to help him with his “sex addiction,” the moment the parents kicked him out of the house, they should bear some of the responsibility of his actions. Do we know if his parents called for help when they kicked him out? Did they advise him to go to his church group for help? What we do know is that he ended up with a firm belief he had to “eliminate temptations.”
On Friday, an employee resource group where I work held an impromptu session to listen and discuss the events of Atlanta specifically but also as a broader forum with other people and experiences. The discussions got me thinking too much and is now prompting this post that’ll probably be written over the course of a few days. There is one question that people always ask… how can I help? As much as I appreciate this question, I think as a society, we have to reframe this question two ways…
- How can society change?
- What can society change?
Apart from the typical “create an open dialog” mantra that you hear from everyone, that’s clearly not enough. Ever since the LA riots in 1992, the dialog has been open but it’s not enough. Fast forward 30 years from the LA riots, the Black Lives Matter marches from 2020 shows us that there has been progress but why is there still violence against minorities? We ask all sorts of questions yet change comes slowly. But society has shown it can adapt from the rotary phones to a hand held computer/phone/camera/video camera in just 40 years. What does that mean? IT SHOWS SOCIETY IS CAPABLE OF EMBRACING CHANGE.
So how can society change? Unfortunately in the past 20+ years, I’ve come to realize (as many people should) the government is ultimately the only place where societal change can be implemented. Slavery? Gone with the Emancipation Proclamation, a Presidential executive order followed quickly by the 13th Amendment abolishing slavery. Women can vote (again) via the 19th Amendment. But have you noticed that every time the change has always resulted in issues. Jim Crow Laws, poll taxes and literacy tests come to mind. This makes me wonder…. why does the government HAVE TO EXPLICITLY GRANT these freedoms? I don’t know but I think society fears the unknown and the unfamiliar and thus have a tendency to push back against this.
So back to my original question… how can society change? I believe there needs to be a concerted effort to CHANGE the dialog of the selfish “You’re infringing on MY rights” and to CHANGE the government at all levels. With the “infringing on my rights” dialog, I’ve always admired at how crazy and self-centered certain segments of the US population are when it comes to rights and freedoms. Let’s take healthcare… certain people were rabidly opposed to having to pay for health insurance and also opposed to paying the tax penalty for NOT having insurance. It was “my right” to not pay for health insurance. What about the all the rights of the others who paid insurance? If you went and used services like ER/urgent care, where do you think the majority of those expenses get passed to? Your lack of insurance passed the costs down to the insured. With more than 60% of bankruptcies caused by medical issues/bills/expenses, you’re “right to no insurance” now infringed on all the rights of the insured. Why should the insured have to pay for such stupidity? So what is the proposed change? I think a very simple change might be to start thinking about how our actions will affect other individuals and then adjust accordingly. As a society, we might not get it right all the time but if everyone is trying to think of others then at least we’ll get some great change out of it.
Now… how do we change government? Society holds power over politicians in at least two simple ways. The first is to vote. Society should vote against politicians that do not support the values that lead to a “positive society.” What is a “positive society?” A simple answer would be a society that embraces the mantra of the “golden rule” aka “treat others as you would like to be treated.” The second way is to control where the money flows to. Politicians require money for their campaigns and to stay in office. And since politicians require money, society should control where the money flows. We should only support politicians that values a positive society. In addition, corporations (since they are people too) also have the power to affect government. The workers should also encourage their companies to only support politicians that value a positive society. Simple yet very complicated. I think if society can embrace or even strive to follow the golden rule, only positive outcomes will be expected.
So what can society change? First, what are common themes everyone can agree on? I can actually think of a few items…
- Healthcare reform. In US, the amount of care relative the amount spent for the care is considered horrible. Studies have shown that medical inequality is a significant issue for low income families potentially even bankrupting them. Providing a basic level of healthcare that consist of yearly medical, dental and vision visits, routine bloodwork (metabolic panel, lipid panel, CBC), STD checks, and other basic female/male tests should be mandated. Additional services would be provided through insurance and the private market.
- Tax reform for individuals and corporations. Currently, there is a growing divide between the top richest and the poorest. The growing disparity should be a concern especially since the the bottom incomes are slowly being pushed into perpetual poverty with minimal paths to middle income. What’s even more concerning is that the poorest are forever saddled with unfavorable situations that continually keep them in the same poor economic situation. Would universal basic income for the poorest help? What percentage of taxpayers are actually living below the poverty line? I think there is some equitable way to allow people to keep getting rich from their businesses while at the same time provide help to the poorest to live with some sort of dignity.
- Education reform. The idea of “free 4 year tuition” is nice but I actually don’t think that is feasible. I think what’s most important is tuition and loan borrow reforms. The tuition has gradually increased over many years. One study implicates the free “unlimited” lending power of the government to provide loans for students to attend college (source data, second source). The government should offer a capped loan amount to the students. This would restrict the “supply” of money forcing students and colleges to reevaluate where to spend the capped amount.
- Political reform. Let’s get rid of lobbyists from even being able to interact with politicians. Else, there should be a system where lobbyists must register who they will talk to during the day. If found to have conversed, the politician should be immediately removed from office and the vote transferred to the politician’s party. Coupled with the ability to direct money, this reform has the most potential of creating political operatives who will work towards a positive society.
- Gun Reform. NO ONE SHOULD BE ABLE TO PURCHASE and KEEP A NEW GUN on the same day!!! This does not limit the 2nd amendment rights of “bearing arms”… it is a matter of accountability, background check which leads to a safer society.