realtor.com has great tool to show mortage trend here

Then there is this nerdwallet refinance calculator can give you precisely what might be your saving etc by entering your current mortgae and projected morgage rate.

from there you can click “Get Started” link at the bottom to see rates offered.

I locked rate at 1.75 with points (APR 2.0) last week. You should check it out and see how much you will be saving! Make sure to consider:

1. How long you will be keeping your home etc rather than overall saving for life of the loan.
2. What is your primary goal (total saving, monthly saving or both)

Cheers!

If you want your terminal prompt to look like this every time you sodo, please continue reading. note: i did on ubuntu so for other flavor, file path might be slightly different

step 1. download this amazing ascii art text and move to /etc/sudoers.d/sudoers.lecture

❯ curl -O https://caferock.org/chris/groot.txt
❯ sudo cp groot.txt /etc/sudoers.d/sudoers.lecture

step 2. edit /etc/sudoers (or /etc/sudoers.d/privacy)

Defaults     lecture = always
Defaults     lecture_file = /etc/sudoers.d/sudoers.lecture    

Let’s see this magnificent art <3

# reset timestamp
❯ sudo -k  
# some sudo command
❯ sudo -l

Cheers!

You loos your money if you have your money in saving account

What? How? The best saving rate today is like 0.5%. So if I have $10,000 then you will earn $50 a year so how that is loosing money?

Because currency devalued over time (cause of an increase in the money supply is one of the biggest reason) and its rate is shown below:

You see no year has inflation rate below 0.5% thus you are loosing money although you maybe earning 0.5%.

So let’s make your money earn at the rate of higher than inflation rate

Below graph is showing historical S&P performance of last 90 years. There are bad years but eventually come back.

Historical Annual Returns

DJIA, S&P 500, NASDAQ

Do you feel safe to invest in S&P 500? If the answer is Yes, let’s move on to next section otherwise your money can stay in the Saving account.

Where do I start? What are the options?

You can start small. Like as little as $1!

There are mainly 2 types of investment method:

• Robo-Advisor Investing (Automated investment)
• Self Directed Investing (pick your own)

We do robo-advisor but still do self-directed because:

• We have self-directed accounts that are pre-dates Robo-Advisor investing
• It is fun to hand pick individual stocks for ones you believe in

Platforms

Here are some platforms and its features:

Robinhood

• no comission for self-directed investment
• no robo-advisor investing

SoFi

• no comission for self-directed investment
• no management fee for robo-advisor investing
• offsers Individual and IRA
• No *tax-loss harviesting
• Handle crypto investing
• 10 portfolios
• **Rebalancing (do not offer tax efficient porffolio)

Betterment

• 0.25% management fee for robo-advisor investing
• no self-directed investment
• Tax loss harvesting (annual benefit of 0.48%)
• Socially responsible investing
• Goal based investment strategy (we have sub-account like travel, big-purchase etc)
• 101 portfolios
• offsers Individual and IRA
• Smart rebalancing (tax efficient)

What do we use

Robinhood, Acorns and Betterment are the ones we use (addition to TD Ameritrade for legacy reason) but while I was writing this blog, I learned SoFi so just started.

• We maxmize 401K - if you can and haven’t done so, you should
• We use Robinhood for just have fun - buy individual stock for small amount of money. Moving $50 a month and buy favorite stock here and there. Especially when market is tanked
• We use Acorns for money that we don’t even pay attention to. This is the platform that automatically invest your spare change
• We use Betterment for everything else. I like this platform because I can trust that when we withdraw money for some big puchases, its tax loss harvesting will minimize our tax responsiblity.
• We are keeping TD-Ameritrade cause we don’t want to sell anything to cause tax responsibility and it did the best this year because we bet on Tesla while ago ;)
• Lastly, we use Personal Capital to keep track of all the accounts. It is super powerful and easy to use. I said good-bye to mint many years ago
  • You can view your net worth, cash flow, portfolio balance, debt-paydown up to one year
  • Retireuemnt tools to guestimate when you can retire and projection of monthly income
  • and more!

*Tax-loss harvesting: The selling of securities at a loss to offset a capital gains tax liability

**Rebalancing: a process of realigning the weightings of a portfolio of assets.

Cheers!

Reference:

• https://www.macrotrends.net/2324/sp-500-historical-chart-data
• https://www.macrotrends.net/2526/sp-500-historical-annual-returns

NVM is Node Version Manager is a tool to manage multiple node.js version.

list installed version

❯ nvm ls

        v8.17.0
->      v12.9.0
        system
default -> 12.9 (-> v12.9.0)
node -> stable (-> v12.9.0) (default)
stable -> 12.9 (-> v12.9.0) (default)

list available version on remote (is version 14 available? If so it will list)

❯ nvm ls-remote 14
    v14.0.0
    v14.1.0
    ...
   v14.13.1
   v14.14.0

Install the version that you would like

❯ nvm install 14

Set version 14 (or another version) as default

nvm alias default 14

Switch to version 8 (or another version)

❯ nvm use v8
Now using node v8.17.0 (npm v6.14.8)

Cheers!

fzf is a general-purpose command-line fuzzy finder. Let’s install and make you 10 times more productive!

install fzf

# clone into ~/.fzf
git clone --depth 1 https://github.com/junegunn/fzf.git ~/.fzf
# run install command
~/.fzf/install

output: answer “y” to enable auto-completion and key bindings

Cloning into '/home/naoko/.fzf'...
remote: Enumerating objects: 101, done.
remote: Counting objects: 100% (101/101), done.
remote: Compressing objects: 100% (94/94), done.
remote: Total 101 (delta 4), reused 28 (delta 2), pack-reused 0
Receiving objects: 100% (101/101), 180.78 KiB | 1.83 MiB/s, done.
Resolving deltas: 100% (4/4), done.
Downloading bin/fzf ...
  - Found in $PATH
  - Creating symlink: bin/fzf -> /usr/bin/fzf
  - Checking fzf executable ... 0.20.0 != 0.21.1
  % Total    % Received % Xferd  Average Speed   Time    Time     Time  Current
                                 Dload  Upload   Total   Spent    Left  Speed
100   637  100   637    0     0   1750      0 --:--:-- --:--:-- --:--:--  1750
100 1127k  100 1127k    0     0   991k      0  0:00:01  0:00:01 --:--:-- 2597k
  - Checking fzf executable ... 0.21.1
Do you want to enable fuzzy auto-completion? ([y]/n) y
Do you want to enable key bindings? ([y]/n) y

Generate /home/naoko/.fzf.bash ... OK
Generate /home/naoko/.fzf.zsh ... OK

Do you want to update your shell configuration files? ([y]/n) y

Update /home/naoko/.bashrc:
  - [ -f ~/.fzf.bash ] && source ~/.fzf.bash
    + Added

Update /home/naoko/.zshrc:
  - [ -f ~/.fzf.zsh ] && source ~/.fzf.zsh
    + Added

Finished. Restart your shell or reload config file.
   source ~/.bashrc  # bash
   source ~/.zshrc   # zsh

Use uninstall script to remove fzf.

For more information, see: https://github.com/junegunn/fzf

Let’s play

Key Binidngs

• ctl + r: fuzzy find thorugh your command history
• ctl + t: fuzzy find through the current directory

** trigger command + tab

It understand context and list only relative stuff. eg:

• cd ** + tab
• ssh ** + tab

Cheers!