Seems the monthly expense are pretty stable, especially after my parent went back home, There might be around 1k fluctuation because of large purchase.
Home: 4k, this is the fixed and almost half of the monthly expense
Grocery: 1.8k, roughly 1k at costco and 500 at Weee. Reduce the trips to Costco may help both my wallet and my weight.
Shopping: 1.5k, finally build a new PC, spend 700 on motherboard/CPU/memory. $140 on apple pencil and $150 on some gc are the other major contributors.
Kids: $500, a new bike, a new booster seat, dancing class (2 months), and some random books
Pet: $80, medicine and some treat
Restaurant: $100, only ordered carryout once.
Utilities: $200
Car: $500. including $464 insurance
Next month forecast: huge… prepaid some utilities, amazon and costco gc
May is the month with lease spending even after we moved to Seattle, and also a two year celebration of us to move to Seattle, Join FB, and my son’s 6 year birthday.
This month we only spend $7159, including $3900 mortgage, purely due to the COVID-19.
May 2020 vs April 2020
Breakdown of expenses
Home
Mortgage: $3900, including insurance, this is usually the largest expense in each month, and this month contributes to 55% of total expense. Hope after Oct this year, when I officially with H1B status, I can do a refinance and reduce this number. Do not have strong incentive to pay off some of the loans.
Other: $230 on a weber grill, which brought lots of fun and leisure food time for the family
Grocery: $1100+, 15%, majorly from Weee and group buy with neighbors: fruits and seafoods
Restaurant and Fast food: $250, a few deliveries, usually spend $1k before COVID-19
Shopping: $1300, majorly from Amazon, and a $400 Video Card from Newegg and a $100+ case and $50 mouse from AMZ. Due to WFH and old PCs at home (both are build/manufactured in 2012), some of the parts are dying, and also want a SOIA 🙂 setting at home.
Kids: $75 dancing class, and a $50+ LEGO, that is all for May. most of the gifts for Harry are counted in Shopping or last month.
Others
$50 gas
$70 utilities: internet and mobiles, other utilities are either bimonth, or have prepaid in the account
some recurrent spending: amazon music, Wechat Read, Disney Plus.
Summary
$7.1k will be a local minimum (of not a globale one) for my family’s monthly expense, majorly due to the pandemic, there are 0 travel and almost 0 dining outside. Also we did not buy anything large this month.
So $80k will be a minimum number for yearly needs, and $120k will be a safer number, thus $3M (based on 4% rule) or $4M (based on 3%) is what I need, given my current net worth, I will need …. Well I gave it up. LOL
I am a pretty aggressive people in terms of stock investment (or actually speculation), so to have $120k passive income, probably actually need $1M investement in stock market. This year’s investment (STOCK+401K+IRA) return till today: -0.46%
Recently I saw a blogger (probably from Reddit), and the concept of FIRE (FINANCIAL INDEPENDENCE AND EARLY RETIREMENT), and looks like I pretty like that idea: most of us do not need (and cannot) reach financial free, but can be financial independence, after which, one can work more freedom or do not work at all.
Key point:
with a saving that is equals to 25X yearly expense, and 4% withdraw rate (in other words return rate to keep the saving stable)
Something to keep in mind
Increase Income: can reach the needed savings early
The old server has been dead for a while. Finally I bought a new PSU (not sure whether it is the PSU’s problem), reinstalled everything, organized cables, now I have new a desktop. Later I reinstalled the OS too, previously using a Windows Server 2012 for some reason (failure to install any linux at that time due to the nividia driver problem).
Surprisingly, this time it is a pretty smooth process to install a Ubuntu 18.04 LTS (with a AMD GPU at the beginning), and then switch to a nVidia GPU (old 4GB GTX 970).
In case you have problem install Ubuntu with a GTX GPU, try the solution of ‘blacklist nouveau driver’ in here
Install nVidia Drivers
sudo add-apt-repository ppa:graphics-drivers/ppa
sudo apt update
sudo apt install nvidia-driver-440
sudo reboot
# also you can install in setting -> advanced drivers
Install CUDA
If you want to delete old CUDA installed, try sudo apt-get –purge remove cuda.
mkdir cuda-testing
cd cuda-testing/
cp -a /usr/local/cuda-10.2/samples samples-10.2
cd samples-10.2
make -j 4 # (add -k to skip errors)
~/cuda-testing/samples-10.2/bin/x86_64/linux/release$ ./nbody
Error
Cuda 10.2+Ubuntu 18.04 might give you error message of
'make: Target 'all' not remade because of errors.'
cudaNvSci.h:14:10: fatal error: nvscibuf.h: No such file or directory
#include
^~~~
compilation terminated.
Makefile:394: recipe for target 'cudaNvSci.o' failed
It is a temporary new feature issue according to https://github.com/NVIDIA/cuda-samples/issues/22#issuecomment-562105202
Install CuDNN
Download CuDNN lib for corresponding CUDA version from here
pip install tensorflow-gpu
pip install keras
conda install tensorflow-gpu keras
#test
python -c 'from keras import backend as K;K.tensorflow_backend._get_available_gpus()'
from keras import backend as K
K.tensorflow_backend._get_available_gpus()
It is a Unsupervised Probabilistic generative graphical model to learn P(X), while LeNet/AlexNet and so on are discriminative models that focus on P(Y|X).
The top two layers of the DBN form an undirected bipartite graph called Restricted Boltzmann Machine
The lower layers form a directed sigmoid belief network
DBN can be formed by “stacking” RBMs. Later Autoencoder is used instead.
Greedy, layer-by-layer learning
Optionally fine-tuned with gradient descent and backpropagation.
RBM
RBMs are a variant of Boltzmann machines, with the restriction that their neurons must form a bipartite graph
Architecture: RBM has an input layer (also referred to as the visible layer) and one single hidden layer and the connections among the neurons are restricted. So RBM looks like a MLP connection between two layers
Salakhutdinov, Ruslan, and Hugo Larochelle. “Efficient learning of deep Boltzmann machines.” Proceedings of the thirteenth international conference on artificial intelligence and statistics. 2010.
