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June 25, 1950

mostly for personal reference

Country Timeline

• 1999: South Korea (Seoul, Busan, Jeju)
• 2001: Russia (Moscow)
  • 2003: Turkey
  • 2003: Sweden
  • 2004: France (Palace of Versailles)
  • 2005: Egypt (Cruise)
  • 2006: Italy
  • 2006: Austria
  • 2006: Switzerland (Jungfrau)
  • 2007: Budapest
  • ????: Finland (Helsinki Silja Line)
  • ????: Hungary
  • ????: Netherland
• 2006: Canada (Toronto, Vancouver, Montreal)
  • 2009: USA (Notre Dame Hockey)
  • 2013: Ghana (Nyamekrom Volunteer)
  • 2017: Cuba (Varadero Grad.)
  • 2020: Europe
    • 2020: Sweden (Lund University Exchange)
    • 2020: Germany (Berlin)
    • 2020: Netherlands (Maastricht)
  • 2023: Asia
    • 2023: South Korea (Seoul, Busan, Jeju)
    • 2023: Japan (Osaka, Kyoto, Kobe, Nara)
    • 2023: Vietnam (Ho Chi Minh, Da Nang, Hanoi - Ninh Binh/Ha Long Bay)
    • 2023: Thailand (Chiang Mai - Pai/Kuet Chang, Bangkok)
    • 2023: Malaysia (Kuala Lumpur)
    • 2023: Indonesia (Bali)
    • 2023: New Zealand (South Island)

Question

Reflect

• 2023.12.19. What is home?
  • For me, home is not a location but where the people are. And I am privileged to call these people my home.
• 2024.01.11. 완벽주의는 해로운가? 원동력으로 쓸 수 있나? 극복 방법은 없나?
  • 여태껏 완벽주의를 원동력으로 쓴 것 같다. 불안했지만 그랬기 때문에 학사랑 석사 과정을 잘 맞췄다.
• 2024.01.11. How amazing is it to directly experience history of a place that exists across the sea?
  • A thought that crossed my mind while in Chiangmai. We can now directly experience a culture that has existed beyond our time.
• 2024.01.11. 나의 장점은 무엇인가?
  • 아빠의 말씀. 매일의 꾸준함은 평생의 자산이라고.
• 2024.01.25. Memories?
  • Hiking Seoraksan with my 엄마. Travelling Jeju Island with my 엄마 and 외할머니. Eating good food with my 아빠. Playing pick-up sports with my friends. Reading a really good world-building book. Going on hockey tournaments. Cottage chilling with 제이크. Night walks in Seoul Cheonggyecheon with 엄마. Han River at night with 외할머니. Nightlife partying in Seoul or in Kingston with 패트릭. Watching dramas and TV shows with 엄마 and 외할머니 at night in Seoul. Going to art museum with 엄마. Winter or Fall Montreal with 제이크. Living at 제이크’s house over the summer cutting lawns. Snowboarding at night at Boler Mountain with 형. Banff with 형. Japan and Korea BBQ with 형. Southeast Asia with Nelson Boys. Sweden partying with 제이미 and 틸리. Seoul w pretty. Island trip and east beach trip with 필립 and 니코. Seoul market food with 외할머니. Yeosu and Jeonju with 외할머니. Morning hike Bukhansan with 엄마. Vancouver with 제이크 and 크리스.

Food

• 2024.01.03. 콩나물 국?
  • 물에 콩나물, 다시마, 새우젓 넣고 팔팔 끓인다. 중약불에 5분정도 끓이고 대파, 다진마늘, 국간장, 고춧가루 넣고 좀 더 끓인다. 소금, 후추로 간 맞춘다.
• 2024.01.04. 볶은 음식?
  • 올리브유 소고기 강불로 굽고 채소 (양파, 버섯, 파프리카, 브로콜리) 강불로 굽는다. 소스 (다진마늘, 진간장, 꿀, 물, 참기름) 넣고 쪼린다. 소금, 후추로 간 맞춘다.
• 2024.01.12. 요리 잘 하는 방법?
  • 6 맛: 단 짠 감칠 지방 쓴 신. 2대1 소스: 장(간장고추장된장)설파마깨후참. 음식 페어링.
• 2024.01.25. 소시지 볶음?
  • 소시지 양파 피망 뽁는다. 케챂 간장 설탕 마늘 대파 소스 넣고 볶는다. 밥이랑 먹는다.
• 2024.01.26. 명란젓 아보카도 밥?
  • 명란젓 참깨 참기름 썩는다. 아보카도 김 계란 후라이.밥에 올려 먹는다.
• 2024.01.26. 김치찌개?
  • 냄비에 돼지 목살 구운다. 신김치 구운다. 간장 설탕 마늘 참기름 맛술 대파 물 팽이버섯 넣고 끓인다.

Finance

• 2024.01.12. What investment platforms?
  • WealthSimple. TradingView. QuestTrade.
• 2024.01.12 What investment accounts?
  • TFSA. RRSP. FHSA.
• 2024.01.12. What is a TFSA?
  • Tax Free Savings Account: Tax Sheltered Growth + Tax Sheltered Withdrawal. You contribute After-Tax Dollars, which is NOT tax deductible to lower your taxable income. No tax on investment growths while in the account. Whatever money you grow in the account ‘capital gains’ is NOT taxed when withdrawn. When you withdraw money, say 100k, you get that contribution space back the following year so you can invest 100k again. There are yearly contribution limits that carry over each year.
• 2024.01.12. What is a RRSP?
  • Registered Retirement Savings Plan: Tax Sheltered Growth + Tax Deductible. You contribute Before-Tax Dollars, allowing tax deductions to lower your taxable income. No tax on investment growths while in the account. Whatever money you grow ‘capital gains’ IS taxed when withdrawn. When you withdraw money, say 100k, you DON’T get that contribution space back the following year. There are yearly contribution limits which are 18% of previous years income. NOTE: Always contribute the bare minimum of paying 3% of your salary into this savings since you’re getting a 100% return from the 3% match that the company is offering.
• 2024.01.12. What is a FHSA?
  • First Home Savings Account: Tax Sheltered Growth + Tax Deductible + Tax Sheltered Withdrawal (Home). You contribute Before-Tax Dollars, allowing tax deductions to lower your taxable income. No tax on investment growths while in the account. Whatever money you grow ‘capital gains’ IS taxed when withdrawn UNLESS it is used for down payment of a home. There are yearly contribution limits of 8,000 up to 40,000 lifetime maximum.
• 2024.01.12. How do taxes work in Canada?
  • Pay the marginal tax rate on each tax bracket you fill up. NOT the tax rate on the entire income. Federal Tax Rate AND Provincial Tax Rate.
• 2024.01.12. How to avoid taxes legally?
  • Investment. Side Business: Business Expense as Tax Deduction - income: 100k expense: 30k taxable income: 70k - we deducted 30k business expense from net income to reduce taxable income.
• 2024.01.13. Why are interest rates higher for longer periods of loan?
  • Quicker to pay back the loan is beneficial. 3% on 60 month term vs 5% on 84 months.
• 2024.01.13. What is simple interest amortization loan?
  • Monthly payments of PRINCIPLE + INTEREST where the monthly payment on principle slowly increases vs monthly payment on interest slowly decreases over the loan period. Total interest = remaining principle x annual interest rate x years. Example: Principle Loan = 100k, interest = 3%, 5 years. First total interest is 100k x 0.03 x 5 = 15k over 5 years so 15/60 = 250 interest for first month and agreed 1k off principle. Remaining balance = 98,750, interest = 3%, 5 years. Second total interest is 98,750 x 0.03 x 5 = 14,813 over 5 years so 14,813/60 = 247 interest for second month and agreed 1.1k off principle.
• 2024.01.13. What is simple interest add-on loan?
  • Precomputes principal and interest into one amount owed from the beginning, to be paid off in equal instalments. Higher cost, no benefit on paying early to reduce interest.
• 2024.01.13. What is financing a car?
  • I make a down payment of 20k and the bank gives me a loan of 80k for a 100k car. The car is used as collateral - if I default and can’t pay, the bank claims and sells the car. I pay the bank PRINCIPLE + INTEREST each month. Simple Interest Amortization OR Add-On.
• 2024.01.13. What is mortgaging a house?
  • I make a down payment of 20k and the bank gives me a loan of 80k for a 100k house. The house is used as collateral - if I default and can’t pay, the bank claims and sells the house. I pay the bank PRINCIPLE + INTEREST + TAX + INSURANCE each month. Simple Interest Amortization ONLY.
• 2024.01.13. What happens if you default?
  • Defaulting on a mortgage gives the bank the power to claim and sell your house through foreclosure or power of sale. Foreclosure you lose all ownership and don’t get any remaining balance if 80k debt is paid. Power of sale you might get some remaining balance if 80k debt is paid. Either way you lose your 20k down payment since it wasn’t borrowed from the bank.
• 2024.01.13. What is leveraging?
  • Bank lets you borrow for a 100k home if you can make a down payment 20k on your own. You bought the home at a leverage of 5:1 ratio 100k:20k. If the house appreciates to 150k over the year, you can make 50k from selling compared to a 30k studio.
• 2024.01.13. How to invest in real estate?
  • Equity and Cash Flow. Equity is the difference in the appreciated value of the house and the total mortgage you owe the bank - buy house low, sell high. Cash flow refers to renting the place out to tenants at a higher monthly payment than the monthly mortgage payment you owe the bank.
• 2024.01.13 Is a house an asset or liability?
  • Liability. There is no guarantee that the house will appreciate in the years given. You will be making a down payment and monthly mortgage payments that involve principle, interest, tax and insurance. There will be maintenance costs. You’re paying the opportunity cost from the magnitude of cash flow that can be used NOW to invest in better returns such as the stock market.

History

• 2024.01.12. What history topics?
  • The battle of Marathon and the naval battle of Salamina of the Greeks against the Persians. The American Revolution (1775-1783). The Reformation (1517-1648). The Life of Jesus of Nazareth. World War II. The Life of Muhammad. Pax Romana. The Renaissance. Gutenberg’s Printing Press.

Other

• 2024.01.12. 싱어게인?
  • 가수의 한 소절 따라 하기. 복식 호흡. 발성 입 으-응. 숨 쉬고 처음 뱉을 때 소리 내듯이 말고 숨 내뱉듯이.
• 2024.01.12. How to drive manual transmission?
  • Brake & Clutch - Shift to Neutral - Start Car. Clutch Only - Gear 1 - Release Clutch & Give Gas. Brake - Clutch (Car Starts Shaking) - Shift to Neutral End Car.
• 2024.01.13. How to rev match?
  • Lower gear is higher RPM (smaller). When downshifting from 5 to 4, you need to press gas to increase engine rpm to match the quicker rpm of transmission at lower gear 4.

Problem-Solution

• 2023.12.06. How do I retain what I read and make it a social thing?
  • Monthly book club
• 2023.12.06. Why am I anxious to drink coffee after 3 in the afternoon?
  • Coffee content with exact length of effect
• 2023.12.06. What can help with rest and digest during long layovers?
  • Capsule hotel at the airport
• 2023.12.06. How can I keep plants alive for free without asking friends?
  • Plant hotel and cafe
• 2023.12.06. What combines my love for socializing and exploring food?
  • Food tour guide
• 2023.12.06. When am I most inclined to have a beer at a bar?
  • Fully open live music bar with commission
• 2023.12.06. Why isn’t there a community for greens similar to alcohol?
  • Cannabis cafe garden for socializing
• 2023.12.06. Why do I feel hopeless giving small change to the homeless?
  • Bank account for the homeless
• 2023.12.06. How can I avoid the hot and humid in Malaysia year-round?
  • Tiger balm lotion with just enough camphor

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