The records maintain, in this world of innocence, there is immense voidness of loneliness, we turn over and over again; there is no branch to lean onto, they break out to their own directions.
We are looking for our little presence in the world of innocence, we look for comfort in the restlessness, we live in the overwhelmingly lonely surroundings, we feel the sorrow in the fearless craziness.
What are the thoughts, answers, fears, lies, they are all laughing matters. They are all very laughing matters, they are really the laughing matters.
The so-called reality, truths, love, giving up, they are all laughing matters. They are all very laughing matters, they are really the laughing matters. You sound like a laughing matter.
Shall we continue, yes, I should continue.
~~ from let's band 2019 season, championship team, loop playing
Sunday, October 27, 2019
Friday, October 25, 2019
|| Landing page for OC
Landing page for OC, in 60 seconds
Hi, this is Jieming Liang. I've lived on the east coast and worked for a large financial institution for many years. My expertise has been financials and banking analytics. I am passionate about digital banking and improving financial literacy for all walks of life. It's very exciting for me to join Happy Money, an organization that is prioritizing helping customers pay off debt and save for a brighter future; also to join the very talented teams here, I have a lot to learn from you. Outside of work, I love the farmers market, nature walks and I look forward to visiting many of the parks and mountains here in California.
Hi, this is Jieming Liang. I've lived on the east coast and worked for a large financial institution for many years. My expertise has been financials and banking analytics. I am passionate about digital banking and improving financial literacy for all walks of life. It's very exciting for me to join Happy Money, an organization that is prioritizing helping customers pay off debt and save for a brighter future; also to join the very talented teams here, I have a lot to learn from you. Outside of work, I love the farmers market, nature walks and I look forward to visiting many of the parks and mountains here in California.
Sunday, October 06, 2019
|| Homeowner
65. The dilemma of the homeowner
This past week, yes the whole week, was to identify a way to make the apartment ready for a sale. The world of contracting for home improvement work continues to be highly fractured, with many digital newcomers coming in and wanting to fix the asymmetric information dilemma yet the dilemma continues.
There is a beautiful story in the world about being a homeowner, owning a piece of the equity in a piece of paper or a piece of the record in the county office that says you own the land and you own the construction of the property on land. The cost of home-owning includes potential equity gain, interest payment being tax-deductible (not that true with the new 10K tax max) and getting back a piece of the equity with the sale of the property. But no one is telling the story of what it costs to maintain as a complete novice a piece of property versus giving the work to a professional real estate property management.
Being a financial analyst, I have to look back on the cash inflows and cash outflows. 1) apartment hardly has any equity gain, due to the lack of beautiful storytelling of owning a smaller space lives happier life 2) the cashflows, they hardly break-even for me, although I can see that the longer the stay goes around, there may be a little bit of the saves down the road but I'm sure new costs will mount either from replacing things inside the wall or needing to upgrade outside of the wall by the HOA. At the same time, interest payment is maxed out by the new tax rule 3) getting back the equity, yes it's there but not before you pay the hefty 6% agency fee.
Hardly anyone is telling the dilemma story though ... not mentioning that calling 10 contractors with only one response from a new painting contractor with several emotional set-backs. If you count the time and the emotional havoc of owning and maintaining properties, it's not worth it. Will I ever become a homeowner again, I want to say no, but I may be tricked into the beautiful stories again despite my own dilemma story.
Taking the online digital course and there is an emphasis on telling the authentic story. What's authentic, when you hear people look in your eyes and say what they believe in ... the stories are what you want to make a living with.
This past week, yes the whole week, was to identify a way to make the apartment ready for a sale. The world of contracting for home improvement work continues to be highly fractured, with many digital newcomers coming in and wanting to fix the asymmetric information dilemma yet the dilemma continues.
There is a beautiful story in the world about being a homeowner, owning a piece of the equity in a piece of paper or a piece of the record in the county office that says you own the land and you own the construction of the property on land. The cost of home-owning includes potential equity gain, interest payment being tax-deductible (not that true with the new 10K tax max) and getting back a piece of the equity with the sale of the property. But no one is telling the story of what it costs to maintain as a complete novice a piece of property versus giving the work to a professional real estate property management.
Being a financial analyst, I have to look back on the cash inflows and cash outflows. 1) apartment hardly has any equity gain, due to the lack of beautiful storytelling of owning a smaller space lives happier life 2) the cashflows, they hardly break-even for me, although I can see that the longer the stay goes around, there may be a little bit of the saves down the road but I'm sure new costs will mount either from replacing things inside the wall or needing to upgrade outside of the wall by the HOA. At the same time, interest payment is maxed out by the new tax rule 3) getting back the equity, yes it's there but not before you pay the hefty 6% agency fee.
Hardly anyone is telling the dilemma story though ... not mentioning that calling 10 contractors with only one response from a new painting contractor with several emotional set-backs. If you count the time and the emotional havoc of owning and maintaining properties, it's not worth it. Will I ever become a homeowner again, I want to say no, but I may be tricked into the beautiful stories again despite my own dilemma story.
Taking the online digital course and there is an emphasis on telling the authentic story. What's authentic, when you hear people look in your eyes and say what they believe in ... the stories are what you want to make a living with.
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