Life on the art of simplicity

Refinance

Fri, 19 Feb 2021 00:00:00 +0000

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:

Don't let your money sleep

Sun, 20 Dec 2020 00:00:00 +0000

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%.

コンブチャの作り方

Sat, 19 Jan 2019 00:00:00 +0000

準備するもの

スコビー（SCOBY - symbiotic culture of bacteria and yeast)
- スコビーはどこで手に入れる？
  -　自分で作ることもできるけどお友達にもらったりとかアマゾンでもかえるよ。
- スコビーはスターター紅茶（コンブチャ）と一緒に運ばれてきます。
黒紅茶の茶葉 -　ティーバックでもいいけどルースティーリーフのほうがお得なはず。 black tea
砂糖（グラニュー糖があ勧め）
広口のガラス瓶　（熱湯消毒してね）
- 私が使ってるのは 2.5 gallon (9.5 litter) と大きいけど 1 gallon (3.7 litter) サイズから始めるはよいスタートかとおもいます。ちなみに右の瓶はおよそ1リットルで左側のがおよそ9.5リットルです。 Kombucha jars
キッチンクロスまたはキッチンペーパー
キッチンクロスを留めるゴムまたは紐
２次発行用のエアタイトボトルもしくは瓶
- 私はこんなボトルを使ってます。

Fun Indoor Training

Wed, 03 Oct 2018 00:00:00 +0000

The Goal:

Decide on most money worth indoor cycling bike and software options.

Motivation: I run almost everyday but some days, my knee hurts and some days it rain on me. For those reasons, I have been thinking of other cardio option other than running and swimming. Biking seems so fun with right software and easy on your knee.

Software

Just like computer, without right software device (bike) won’t be much useful. You will be more motivated if software is good (addictive and stress free) and you will hopefully use your device to the full potential.

損を最低限に抑えて少しリッチになる

Sun, 18 Feb 2018 00:00:00 +0000

鉄則１：出費しながらお金を貰う

全ての買い物、ガソリンやビルの支払いはキャッシュバックもしくはポイント制のクレジットカードで支払いする。ちなみに私はChaseの1.5%CashBack Bonusを使ってます。毎月の出費が$1,000だとしたら$15、１年で$180の現金。

Our Dream Home

Fri, 27 Oct 2017 00:00:00 +0000

We’ve built our dream house.

‘view’ fence backyard to see beautiful sunset over white tank mountain every day

Dreamy Gourmet Kitchen

Multi Sliding Glass Doors

Dining Room

Living Room

Finally Bath Tub

My Office

Milestone

Aug 2000: We bought our first home. It was new build but had no money to do any upgrade. Selection of the house is also cheap was one of the most important criteria.
Oct 2008: When housing tanked, we bought the foreclosed home built in 2001. It is the model that we wanted to buy back in 2000 but could not afford. Walking distance to elementary school. It was perfect for us at the time.
Sep 2017: We did not need or desperately wanted new house. We were living below our means and saved up good chunk of money. We were comfortable but we’ve decided to go outside of comfortable zone for various reasons and decided to build this amazing house.