Life: Difference between revisions

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* sentiment, [https://en.wikipedia.org/wiki/Emotion emotion]
* sentiment, [https://en.wikipedia.org/wiki/Emotion emotion]
* [https://youtu.be/oj0K82iL6_4 小心，不要掉进感觉的深坑里，站桩问答（四）]
* [https://youtu.be/oj0K82iL6_4 小心，不要掉进感觉的深坑里，站桩问答（四）]
== Self-awareness 自我意識 ==
* [https://www.verywellmind.com/what-is-self-awareness-2795023 What Is Self-Awareness?]
* Self-awareness is generally considered beneficial, but like many things, it can have both positive and negative aspects.
** Positive Aspects:
*** Self-awareness allows you to understand your motivations, make better decisions, and regulate your emotions.
*** It helps you adhere to your personal values as you are acutely aware of how your actions make you feel.
*** It can improve the quality of relationships, especially long-term ones.
** Negative Aspects :
*** Too much self-awareness can lead to overthinking, self-consciousness, and an excruciating state of self-consciousness.
*** It can also lead to stress and anxiety.
*** In severe cases, excessive self-awareness can even lead to depersonalization, a condition where one feels disconnected from their thoughts and their body.


== Resilience ==
== Resilience ==
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* [http://www.lifehack.org/598693/how-elon-musk-gains-massive-success-by-learning-differently-from-everyone-else?ref=category_section_post_4 How Elon Musk Gains Massive Success by Learning Differently from Everyone Else]
* [http://www.lifehack.org/598693/how-elon-musk-gains-massive-success-by-learning-differently-from-everyone-else?ref=category_section_post_4 How Elon Musk Gains Massive Success by Learning Differently from Everyone Else]
* [https://www.makeuseof.com/most-powerful-people-tech-2021/ The 12 Most Powerful People in Tech in 2021]
* [https://www.makeuseof.com/most-powerful-people-tech-2021/ The 12 Most Powerful People in Tech in 2021]
== How to read people ==
[https://www.rd.com/article/how-to-read-people/ How to Read People: 16 Behaviors Experts Use to Decipher Thoughts and Feelings]
== How to express your feelings ==
[https://www.wikihow.com/Express-Your-Feelings How to Express Your Feelings]


== Show your work ==
== Show your work ==
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* [https://www.lifehack.org/912853/happy-life-middle-age How to Live a Happy Life in Middle Age]
* [https://www.lifehack.org/912853/happy-life-middle-age How to Live a Happy Life in Middle Age]
* [https://youtu.be/nzh0ZNf1mLg?t=629 成熟形的老人]
* [https://youtu.be/nzh0ZNf1mLg?t=629 成熟形的老人]
* [https://www.beresfordresearch.com/age-range-by-generation/ Generations defined by name, birth year, and ages in 2024]
** Post War: 1928-1945
** Baby boomers: 1946-1964
** Gen X: 1965-1980
** Millennials: 1981-1996
** Gen Z: 1997-2012


== Fear ==
== Fear ==
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* [https://askthescientists.com/zh-hant/positivity/ 訓練大腦重新體驗積極態度所擁有的科學益處之三種方法]
* [https://askthescientists.com/zh-hant/positivity/ 訓練大腦重新體驗積極態度所擁有的科學益處之三種方法]
* [https://youtu.be/n4XyiJTdsf8 請立刻停止「精神內耗」]
* [https://youtu.be/n4XyiJTdsf8 請立刻停止「精神內耗」]
* [https://www.rd.com/article/biggest-fears/ Your 5 Biggest Fears and How to Face Them, According to Psychologists]
== Anxiety ==
[https://www.wikihow.com/Overcome-Anxiety How to Overcome Anxiety]


= Best way to persuade someone that they're wrong =
= Best way to persuade someone that they're wrong =
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* [https://www.lifehack.org/823345/learn-a-new-language How to Learn a New Language Fast (A Step-By-Step Guide)]
* [https://www.lifehack.org/823345/learn-a-new-language How to Learn a New Language Fast (A Step-By-Step Guide)]
* [https://www.makeuseof.com/tag/learn-language-immersion/ 6 Fun Ways to Learn a New Language by Immersion]
* [https://www.makeuseof.com/tag/learn-language-immersion/ 6 Fun Ways to Learn a New Language by Immersion]
* [https://lifehacker.com/tech/this-site-offers-hundreds-of-free-language-learning-courses This Site Offers Hundreds of Free Language Learning Courses]. https://www.openculture.com/


= Humor 幽默 =
= Humor 幽默 =
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* [https://www.makeuseof.com/how-to-be-happy-apps-to-find-happiness/ How to Be Happy: 5 Apps to Find Happiness and Stop Being Sad]
* [https://www.makeuseof.com/how-to-be-happy-apps-to-find-happiness/ How to Be Happy: 5 Apps to Find Happiness and Stop Being Sad]
* [https://www.wikihow.com/Be-Happy-Being-Yourself How to Be Happy Being Yourself]
* [https://www.wikihow.com/Be-Happy-Being-Yourself How to Be Happy Being Yourself]
* [https://www.rd.com/article/happiest-state/ New Report: This Is the No. 1 Happiest State in America ]


== Jokes ==
== Jokes ==
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* [https://www.lifehack.org/articles/communication/18-basic-rules-lead-fulfilling-life.html 18 Basic Rules for Leading a Fulfilling Life]
* [https://www.lifehack.org/articles/communication/18-basic-rules-lead-fulfilling-life.html 18 Basic Rules for Leading a Fulfilling Life]
* [https://lifehacker.com/the-most-important-thing-for-living-a-fulfilling-life-1847685368 The Most Important Thing for Living a Fulfilling Life, According to Psychologists]
* [https://lifehacker.com/the-most-important-thing-for-living-a-fulfilling-life-1847685368 The Most Important Thing for Living a Fulfilling Life, According to Psychologists]
* [https://www.wikihow.com/Know-What-You-Want-in-Life How to Know What You Want in Life]
= Order of siblings =
The order of siblings in a family, also known as '''birth order''', has been suggested by some psychologists to have an impact on an individual’s personality and achievement. However, the evidence is mixed and the effects, if they exist, appear to be quite small.
Alfred Adler, a 20th-century psychologist, proposed that birth order can shape personality traits. According to his theory:
* First-borns may be more responsible and achievement-oriented.
* Middle children may be more sociable and feel the need to ‘belong’.
* Youngest children may be more outgoing and uncomplicated.
* Only children may be more independent and self-reliant.
However, many modern psychologists argue that other factors, such as parenting style, socio-economic status, and individual temperament, play a much larger role in shaping personality and achievement than birth order.
In terms of academic achievement, some studies suggest that first-borns tend to have slightly higher IQs and can be more successful in school. This is often attributed to the '''dilution hypothesis''', which suggests that parental resources (time, energy) get diluted with each subsequent child.
However, it’s important to note that these are general trends and there can be significant variation within families. Also, these effects are usually small and can be overshadowed by other factors in a person’s life. Therefore, while birth order might have some influence on personality and achievement, it is just one of many factors that contribute to human development.
= Raising an autonomous/independent kid =
[https://lifehacker.com/an-age-by-age-guide-to-raising-an-autonomous-kid-1850871105 An Age-By-Age Guide to Raising an Autonomous Kid]


= How to be successful =
= How to be successful =
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* [http://www.lifehack.org/538520/want-sound-more-confident-avoid-these-3-things-your-conversation Want To Sound More Confident? Avoid These 3 Things In Your Conversation]
* [http://www.lifehack.org/538520/want-sound-more-confident-avoid-these-3-things-your-conversation Want To Sound More Confident? Avoid These 3 Things In Your Conversation]
* [https://www.lifehack.org/883524/morning-affirmations 30 Morning Affirmations to Boost Your Confidence Daily]
* [https://www.lifehack.org/883524/morning-affirmations 30 Morning Affirmations to Boost Your Confidence Daily]
* [https://www.wikihow.com/Be-Confident How to Be Confident]


= Wisdom =
= Wisdom =
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== ebay gift card ==
== ebay gift card ==
Check balance https://www.ebay.com/ebaygiftcard
Check balance https://www.ebay.com/ebaygiftcard
== Virtual credit card ==
American express --- GPay.


= Banking =
= Banking =
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* [https://www.cnet.com/personal-finance/banking/cds/should-you-break-a-cd-early-for-a-better-rate/ You May Want to Break the CD You Opened Last Year to Get a Bigger Return, Experts Say]
* [https://www.cnet.com/personal-finance/banking/cds/should-you-break-a-cd-early-for-a-better-rate/ You May Want to Break the CD You Opened Last Year to Get a Bigger Return, Experts Say]
* [https://www.cnet.com/personal-finance/banking/cds/how-to-calculate-the-return-on-your-cd/ How to Calculate the Return on Your CD]
* [https://www.cnet.com/personal-finance/banking/cds/how-to-calculate-the-return-on-your-cd/ How to Calculate the Return on Your CD]
= Senior discounts =
[https://www.rd.com/list/senior-discounts-age-55/ 37 Senior Discounts You Can Score Starting at Age 55]


= Retirement =
= Retirement =
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== How Retirement Income Is Taxed ==
== How Retirement Income Is Taxed ==
[https://twocents.lifehacker.com/how-different-retirement-income-is-taxed-1825581598 How Different Retirement Income Is Taxed]
[https://twocents.lifehacker.com/how-different-retirement-income-is-taxed-1825581598 How Different Retirement Income Is Taxed]
== Sustainable withdrawal rate ==
* [https://www.investopedia.com/terms/s/safe-withdrawal-rate-swr-method.asp Safe Withdrawal Rate (SWR) Method: Calculations and Limitations]
* [https://www.fidelity.com/viewpoints/retirement/how-long-will-savings-last How can I make my retirement savings last?]


== Pension, Federal Employees Retirement System/FERS, Annuity ==
== Pension, Federal Employees Retirement System/FERS, Annuity ==
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* [http://twocents.lifehacker.com/you-can-find-your-social-security-earnings-online-1789161040 Find Your Social Security Earnings Online]
* [http://twocents.lifehacker.com/you-can-find-your-social-security-earnings-online-1789161040 Find Your Social Security Earnings Online]
* [https://www.cnet.com/personal-finance/when-is-the-best-time-to-begin-collecting-social-security-benefits/ When Is the Best Time to Begin Collecting Social Security Benefits?]
* [https://www.cnet.com/personal-finance/when-is-the-best-time-to-begin-collecting-social-security-benefits/ When Is the Best Time to Begin Collecting Social Security Benefits?]
* [https://www.cnet.com/personal-finance/how-to-see-your-estimated-monthly-social-security-amount/ How to See Your Estimated Monthly Social Security Amount]
== How much money you need to retire comfortably in every U.S. state ==
* [https://www.cnbc.com/2023/10/11/how-much-you-need-to-retire-comfortably-in-every-state.html How much money you need to retire comfortably in every U.S. state] 2023
* [https://www.rd.com/article/affordable-states-to-retire/ New Study: You Can Retire in These U.S. States on Less Than $65,000 a Year] 2024
* [https://money.usnews.com/money/retirement/articles/what-is-a-good-monthly-retirement-income What Is a Good Monthly Retirement Income?]
** In 2020, U.S. households led by someone age 65 or older spent an average of $45,270.
** “For every $50,000 of income you need, you need a million bucks,”
** As of February 2023, the average monthly retirement benefit for Social Security was $1,782,
* [https://www.nerdwallet.com/article/finance/nerdwallet-budget-calculator Monthly 50/30/20 Budget Calculator].  This rule suggests that you allocate 50% of your net income to your needs (housing, food, transportation, utilities, insurance, loan payments), 30% to your wants (monthly subscription, travel, entertainment, meals out) , and 20% to your savings and debt repayment.
* [https://en.wikipedia.org/wiki/List_of_the_United_States_metropolitan_areas_by_GDP  List of the United States metropolitan areas by GDP]


== America's healthiest and least healthy states ==
== America's healthiest and least healthy states ==
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== Kids ==
== Kids ==
* [https://lifehacker.com/entertainment/the-best-kids-movies-for-adults 19 of the Best Kids’ Movies Adults Will Like Too]
* [http://www.lifehack.org/641969/want-to-raise-good-kids-here-are-5-movies-that-will-help-you-out Want To Raise Good Kids? Here Are 5 movies That Will Help You Out]
* [http://www.lifehack.org/641969/want-to-raise-good-kids-here-are-5-movies-that-will-help-you-out Want To Raise Good Kids? Here Are 5 movies That Will Help You Out]
* [https://www.lifehack.org/785441/inspiring-ted-talks-for-kids 17 Ted Talks for Kids to Inspire Little Minds to Do Big Things]
* [https://www.lifehack.org/785441/inspiring-ted-talks-for-kids 17 Ted Talks for Kids to Inspire Little Minds to Do Big Things]
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== To kids ==
== To kids ==
[https://lifehacker.com/stop-telling-kids-to-be-careful-and-what-to-say-instea-1848762621 Stop Telling Kids to 'Be Careful' (and What to Say Instead)]
[https://lifehacker.com/stop-telling-kids-to-be-careful-and-what-to-say-instea-1848762621 Stop Telling Kids to 'Be Careful' (and What to Say Instead)]
== Most-spoken language in each US state ==
[https://digg.com/data-viz/link/most-spoken-language-each-us-state-mapped-swId7rL1s9 The Most-Spoken Language In Each US State (Besides English And Spanish), Mapped]


= Jobs =
= Jobs =
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== Linkedin ==
== Linkedin ==
[https://www.linkedin.com/pulse/bypass-public-linkedin-profile-obfuscation-francesco-ficarola Bypass public LinkedIn profile obfuscation]
[https://www.linkedin.com/pulse/bypass-public-linkedin-profile-obfuscation-francesco-ficarola Bypass public LinkedIn profile obfuscation]
= Meeting =
* What are some good questions to ask in a meeting?
** '''Clarification Questions''': If something isn’t clear during the meeting, don’t hesitate to ask for clarification. For example, “Could you please elaborate on that point?” or “Could you give an example to illustrate this concept?”
** '''Follow-up Questions''': If a topic piques your interest or if you think it could be explored further, ask a follow-up question. For example, “How does this strategy align with our overall goals?” or “What are the potential challenges we might face with this approach?”
** '''Opinion Questions''': Asking for others’ opinions can foster a more collaborative environment. For example, “What are your thoughts on this?” or “Do you see any potential issues with this plan?” ... “I don’t have any questions at the moment, but I might reach out later if something comes up.”
** '''Next Steps Questions''': Towards the end of the meeting, it’s good to ask about the next steps to ensure everyone is on the same page. For example, “What are the next steps we should take?” or “Who will be responsible for this task?”
** '''Summary Questions''': These help ensure that everyone has the same understanding of what was discussed. For example, “Can we summarize the key points we’ve discussed today?” or “Have we addressed all the items on the agenda?”


= Remove personal information =
= Remove personal information =
* [https://www.makeuseof.com/tag/how-to-remove-false-libelous-information-about-yourself-online/ How to Remove False Personal Information on the Internet]
* [https://www.makeuseof.com/tag/how-to-remove-false-libelous-information-about-yourself-online/ How to Remove False Personal Information on the Internet]
* [https://www.makeuseof.com/tag/how-to-delete-personal-data-public-record-websites/ How to Delete Your Personal Data From Public Record Websites]
* [https://www.makeuseof.com/tag/how-to-delete-personal-data-public-record-websites/ How to Delete Your Personal Data From Public Record Websites]
* [https://www.makeuseof.com/how-to-remove-your-address-from-the-internet/ How to Remove Your Address From the Internet]
* [https://www.makeuseof.com/remove-phone-number-publicly-listed-online/ How to Remove Your Phone Number Publicly Listed Online]


= How to Write the Personal Statement for College Applications =
= How to Write the Personal Statement for College Applications =
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* [https://www.makeuseof.com/free-apps-and-sites-to-learn-how-to-draw-online/ 5 Free Apps and Sites to Learn How to Draw Online for Beginners or Artists]
* [https://www.makeuseof.com/free-apps-and-sites-to-learn-how-to-draw-online/ 5 Free Apps and Sites to Learn How to Draw Online for Beginners or Artists]
* [https://www.playpcesor.com/2019/09/supercoloring.html Supercoloring 免費兒童著色本，五萬張著色圖下載或線上塗鴉]
* [https://www.playpcesor.com/2019/09/supercoloring.html Supercoloring 免費兒童著色本，五萬張著色圖下載或線上塗鴉]
* Search: Seurat Coloring Pages
* Search: Seurat Coloring Pages, kawaii coloring pages printables
* [https://youtu.be/Z7kZOYUUGFA Book Video Club]
* [https://youtu.be/Z7kZOYUUGFA Book Video Club]
* [https://www.wikihow.com/Draw-a-Face How to Draw a Person's Face]


= 中文 =
= 中文 =
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* [https://www.commonhealth.com.tw/article/article.action?nid=79849 5招聊天術，句點王變業績王]
* [https://www.commonhealth.com.tw/article/article.action?nid=79849 5招聊天術，句點王變業績王]
* [https://www.makeuseof.com/sites-guides-improve-conversation-skills-learn-small-talk/ 5 Sites and Guides to Improve Conversation Skills and Learn Small Talk]
* [https://www.makeuseof.com/sites-guides-improve-conversation-skills-learn-small-talk/ 5 Sites and Guides to Improve Conversation Skills and Learn Small Talk]
* [https://www.wikihow.com/Come-Up-with-Good-Conversation-Topics How to Come Up with Good Conversation Topics]
* [https://youtu.be/vU-ibdHkz4Y How to Never Run out of Things to Say Using The Ford Method] by Improvement Pill
* [https://youtu.be/vU-ibdHkz4Y How to Never Run out of Things to Say Using The Ford Method] by Improvement Pill
** Family
** Family
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== Gifts ==
== Gifts ==
[https://www.makeuseof.com/gift-guides-gift-recommendation-engines-to-find-the-perfect-present/ 5 Gift Guides and Gift Recommendation Engines to Find the Perfect Present]
* [https://www.makeuseof.com/gift-guides-gift-recommendation-engines-to-find-the-perfect-present/ 5 Gift Guides and Gift Recommendation Engines to Find the Perfect Present]
* [https://www.rd.com/list/cheap-christmas-gifts/ 38 Cheap Christmas Gifts That Maximize Your Holiday Budget]


= 移民 =
= 移民 =
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= Weather =
= Weather =
* [https://weather.com/weather/monthly/l/20832:4:US Historic weather average] over each month
* [https://weather.com/weather/monthly/l/20832:4:US Historic weather average] over each month
* [https://weatherspark.com/countries/US/MD Climate and Average Weather Year Round]
* [https://weather.com/science/weather-explainers/news/2024-01-10-united-states-coldest-time-of-year-average-map When Is the Average Coldest Time of the Year?]
* [https://www.makeuseof.com/tag/weatherstack-api/ Integrate Weather Data on Your Homepage With Weatherstack API]
* [https://www.makeuseof.com/tag/weatherstack-api/ Integrate Weather Data on Your Homepage With Weatherstack API]
* [https://meteor.geol.iastate.edu/~jdduda/portfolio/How%20to%20read%20and%20interpret%20weather%20radar.pdf How to use and interpret Doppler weather radar]
* [https://meteor.geol.iastate.edu/~jdduda/portfolio/How%20to%20read%20and%20interpret%20weather%20radar.pdf How to use and interpret Doppler weather radar]
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* [https://www.commonhealth.com.tw/article/article.action?nid=79345 工作16年、38歲也能安心退休 人人都能學的理財術]
* [https://www.commonhealth.com.tw/article/article.action?nid=79345 工作16年、38歲也能安心退休 人人都能學的理財術]
* [https://www.treasurydirect.gov/indiv/products/prod_eebonds_glance.htm EE saving bond]
* [https://www.treasurydirect.gov/indiv/products/prod_eebonds_glance.htm EE saving bond]
* [https://home.treasury.gov/policy-issues/financing-the-government/interest-rate-statistics Interest Rate Statistics] from US Department of The Treasury
* [https://www.bing.com/news/search?q=i+savings+bond+rate&FORM=NWRFSH I savings bond rate]. [https://www.cnet.com/personal-finance/dont-let-inflation-eat-your-savings-i-bonds-may-soon-pay-you-9-6/ Don't Let Inflation Eat Your Savings. I Bonds May Soon Pay You 9.6%].
* [https://www.bing.com/news/search?q=i+savings+bond+rate&FORM=NWRFSH I savings bond rate]. [https://www.cnet.com/personal-finance/dont-let-inflation-eat-your-savings-i-bonds-may-soon-pay-you-9-6/ Don't Let Inflation Eat Your Savings. I Bonds May Soon Pay You 9.6%].
** Can be withdrawn after one year but lose the last 3 months of interest.
** Can be withdrawn after one year but lose the last 3 months of interest.
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== Cost of living ==
== Cost of living ==
[https://www.nerdwallet.com/cost-of-living-calculator Cost of living calculator]
[https://www.nerdwallet.com/cost-of-living-calculator Cost of living calculator]
== 紅包 ==
[https://tw.news.yahoo.com/過年紅包行情數字金額-過年紅包包多少-過年紅包父母長輩小孩-過年紅包意義-過年紅包賀詞-過年紅包封口-過年紅包禁忌-054727808.html 過年紅包包多少]


= Tax =
= Tax =
* [https://www.nerdwallet.com/blog/taxes/tax-credit-vs-tax-deduction/ Tax Credits vs. Tax Deductions]
* [https://www.nerdwallet.com/blog/taxes/tax-credit-vs-tax-deduction/ Tax Credits vs. Tax Deductions]
* [https://turbotax.intuit.com/tax-tips/irs-tax-return/what-is-my-tax-bracket/L3Dtkab8G What is My Tax Bracket?]
* [https://www.bankrate.com/taxes/tax-brackets/ Calculate your effective tax rate]
** [https://turbotax.intuit.com/tax-tips/irs-tax-return/what-is-my-tax-bracket/L3Dtkab8G What is My Tax Bracket?]
** Your tax bracket depends on your taxable income.
* [https://twocents.lifehacker.com/lifehackers-guide-to-doing-your-taxes-2018-1823746819 Lifehacker's Guide to Doing Your Taxes 2018]
* [https://twocents.lifehacker.com/lifehackers-guide-to-doing-your-taxes-2018-1823746819 Lifehacker's Guide to Doing Your Taxes 2018]
* FreeTaxUSA. Federal free, state $15.
* FreeTaxUSA. Federal free, state $15.
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== 10 secrets ==
== 10 secrets ==
[https://www.rd.com/list/secret-places-rich-people-hide-money/ 10 Secret Places Rich People Hide Their Money]
[https://www.rd.com/list/secret-places-rich-people-hide-money/ 10 Secret Places Rich People Hide Their Money]
== Underpayment penalty ==
* [https://www.irs.gov/payments/underpayment-of-estimated-tax-by-individuals-penalty Underpayment of Estimated Tax by Individuals Penalty]
* [https://www.hrblock.com/tax-center/irs/refunds-and-payments/underpayment-of-estimated-tax/ Understanding the penalty for underpayment of estimated tax]


= Law =
= Law =
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** [https://www.tsp.gov/PlanParticipation/EligibilityAndContributions/contributionLimits.html TSP contribution limits]
** [https://www.tsp.gov/PlanParticipation/EligibilityAndContributions/contributionLimits.html TSP contribution limits]
** After a change, the effect starts on the next pay period. For example, if we made a change during the last pay period (Dec 10-Dec 23, 2017), the election will be effective on Dec 24, the first pay period for 2018. See [https://hr.nih.gov/about/news/benefits/thrift-savings-plan News].
** After a change, the effect starts on the next pay period. For example, if we made a change during the last pay period (Dec 10-Dec 23, 2017), the election will be effective on Dec 24, the first pay period for 2018. See [https://hr.nih.gov/about/news/benefits/thrift-savings-plan News].
** Unlike regular TSP elections, a '''Catch-up election is only valid for one year'''.  Therefore, if you want to make Catch-up contributions each year, you must make a new election each year. Also it takes 2 weeks for the change to take effect. The catch-up election limit will be shown on the myPay webpage. '''Note''': this has changed for [https://www.tsp.gov/making-contributions/catch-up-contributions/ year 2021]: the catch-up contribution is combined with the regular TSP.
** <strike>Unlike regular TSP elections, a '''Catch-up election is only valid for one year'''.  Therefore, if you want to make Catch-up contributions each year, you must make a new election each year. Also it takes 2 weeks for the change to take effect. The catch-up election limit will be shown on the myPay webpage.</strike> '''Note''': this has changed for [https://www.tsp.gov/making-contributions/catch-up-contributions/ year 2021]: the catch-up contribution is combined with the regular TSP.
** For quarterly account statements, click the bell icon (notifications) and click on "Secure Mailbox" tab.
** For quarterly account statements, click the bell icon (notifications) and click on "Secure Mailbox" tab.
* You may enter only one TSP Transaction per pay period.
* You may enter only one TSP Transaction per pay period.
Line 710: Line 813:
** G fund: Government Securities Investment Fund  
** G fund: Government Securities Investment Fund  
** F fund: Fixed-Income Investment Index Fund
** F fund: Fixed-Income Investment Index Fund
** C fund: Common Stock Index Investment Fund
** '''C fund''': '''Common Stock''' Index Investment Fund, based on S & P 500 (the most conservative of the three stock funds available in the TSP)
** S fund: Small-Capitalization Stock Index Fund
** S fund: Small-Capitalization Stock Index Fund, same as Dow Jones. The S Fund is considered one of two funds with the greatest risk in the TSP. It has outperformed the C Fund with proportionately greater volatility over time.
** I fund: International Stock Index Investment Fund
** I fund: International Stock Index Investment Fund. It is regarded as the other high-risk fund in the TSP and has historically posted a higher average annual return than the C Fund.
** L fund: Lifecycle Funds
** L fund: Lifecycle Funds
* TSP follows the [https://www.gsa.gov/acquisition/purchasing-programs/shared-services/payroll-shared-services/payroll-calendars payroll calendar]. Pay period end on Saturday and the pay day is on next Friday.
* TSP follows the [https://www.gsa.gov/acquisition/purchasing-programs/shared-services/payroll-shared-services/payroll-calendars payroll calendar]. Pay period end on Saturday and the pay day is on next Friday.
Line 723: Line 826:
** ePOF will show [https://www.opm.gov/policy-data-oversight/data-analysis-documentation/personnel-documentation/processing-personnel-actions/gppa17.pdf#page=8 "Reg WRI" Code 893] for within-grade increase.
** ePOF will show [https://www.opm.gov/policy-data-oversight/data-analysis-documentation/personnel-documentation/processing-personnel-actions/gppa17.pdf#page=8 "Reg WRI" Code 893] for within-grade increase.
* [https://www.calendar-12.com/printable_calendar/2020 Printable calendar w/ federal holidays] (US) and common observances  
* [https://www.calendar-12.com/printable_calendar/2020 Printable calendar w/ federal holidays] (US) and common observances  
* Withdraw money from TSP
** [https://www.tsp.gov/withdrawals-in-retirement/ Withdrawals in retirement]
** [https://governmentworkerfi.com/how-to-withdraw-money-from-your-tsp-complete-guide/ How to Withdraw Money From Your TSP- Complete Guide]
** [https://www.fedsmith.com/2023/02/10/tsp-withdrawal-rules-and-options/ TSP Withdrawal Rules and Options]


== Paycheck ==
== Paycheck ==
Line 747: Line 854:
* [https://wealthynickel.com/fers-retirement-calculator/ FERS Retirement Calculator – 6 Simple Steps to Estimate Your Federal Pension]
* [https://wealthynickel.com/fers-retirement-calculator/ FERS Retirement Calculator – 6 Simple Steps to Estimate Your Federal Pension]
* [https://mustardseedmoney.com/federal-government-pension/ WHAT IS A FEDERAL GOVERNMENT PENSION WORTH?]
* [https://mustardseedmoney.com/federal-government-pension/ WHAT IS A FEDERAL GOVERNMENT PENSION WORTH?]
* [https://wealthynickel.com/fers-retirement-calculator FERS Retirement Calculator – 6 Simple Steps to Estimate Your Federal Pension]
* [https://www.youtube.com/watch?v=-E2FiueyEgY FERS Retirement Benefits | What Federal Employees Should Know in 2023] (video)


= IRA account =
= IRA account =
Line 758: Line 865:


= Annuity =
= Annuity =
[https://lifehacker.com/when-an-annuity-is-a-good-idea-for-retirement-and-when-1850491462 When an Annuity Is a Good Idea for Retirement (and When It’s Not)]
* [https://lifehacker.com/when-an-annuity-is-a-good-idea-for-retirement-and-when-1850491462 When an Annuity Is a Good Idea for Retirement (and When It’s Not)]
* [https://lifehacker.com/money/best-age-to-buy-an-annuity How to Determine the Best Age to Buy an Annuity]
* [https://smartasset.com/retirement/who-needs-an-annuity If You Have This Much Money Saved You Don’t Need an Annuity]


== Index annuity  ==
== Index annuity  ==

Latest revision as of 11:58, 14 November 2024

Confucius

老子

Buddha

  • In the end, only three things matter: how much you loved, how gently you lived, and how gracefully you let go of things not meant for you.

星雲大師〈真誠的告白〉

星雲大師〈真誠的告白〉 最後的囑咐

Stoic

斯多葛派是一種古老的哲學，由公元前三世紀初期的雅典哲學家西提翁所創立。斯多葛派的信念是以理性為基礎，和諧地與自然相處，過著一種德行高尚的生活；並且在外部世界的挑戰和困難中培養內在的平和與安寧。

斯多葛派認為個體應該培養自我控制、韌性和心理韌性，並且應該專注於那些可以控制的事物，而不是固執於那些超出自身影響範圍的外部環境。他們認為，過上一種充實的生活的關鍵在於依據自己的價值觀來生活，並且以平靜和接受的態度來面對世界。

如今，“斯多葛”一詞可以用來形容那些體現這些價值觀和原則的人，或者那些在面對逆境時保持冷靜和沉著的人。

斯多葛派和老子的思想在某些方面有相似之處，但在其他方面則有所不同。

首先，斯多葛派的哲學強調個人應該培養自我控制、韌性和心理韌性，並且專注於那些可以控制的事物。老子的哲學則強調「無為而治」，即通過放棄主動干預自然，達到保持平衡的目的。老子認為，過度的行動和努力可能會產生負面影響，因此，他主張在生活中避免過度行動和努力，並且盡可能放棄個人權力和野心。

其次，斯多葛派的哲學強調個人應該根據自己的價值觀來生活，並且以平靜和接受的態度來面對世界。老子的哲學強調個人應該盡可能地與自然相融合，並且不要對事物做出價值判斷。

Worry, panic

Quotes

  • 110 Happiness Quotes That Will Make You Smile Instantly
  • 「記得仰望星空」！霍金辭世　緬懷10大智慧金句
  • 憂患是人生的墊腳石
  • 人生沒有想像長 築夢沒有想像難
  • 幸福是罪惡，歹命是美德？
  • “Life is like riding a bicycle. To keep your balance, you must keep moving.” - Albert Einstein
  • 漢彌爾頓想要給予的忠告是：「別讓恐懼阻礙妳，也不要害怕說『我不知道』或是『我不明白』，沒有問題是蠢問題。而且，不要總是聽從所謂的『專家』怎麼說！」阿波羅登月50周年
  • 感恩: 「生活在感恩的世界：感激斥責你的人，因為他助長了你的定慧；感激絆倒你的人，因為他強化了你的能力；感激遺棄你的人，因為他教導了你應自立；感激鞭打你的人，因為他消除了你的業障；感激欺騙你的人，因為他增進了你的見識；感激傷害你的人，因為他磨練了你的心志；感激所有使你堅定成就的人」。

Life With Purpose

Body

Mind

情緒

Self-awareness 自我意識

  • What Is Self-Awareness?
  • Self-awareness is generally considered beneficial, but like many things, it can have both positive and negative aspects.
    • Positive Aspects:
      • Self-awareness allows you to understand your motivations, make better decisions, and regulate your emotions.
      • It helps you adhere to your personal values as you are acutely aware of how your actions make you feel.
      • It can improve the quality of relationships, especially long-term ones.
    • Negative Aspects :
      • Too much self-awareness can lead to overthinking, self-consciousness, and an excruciating state of self-consciousness.
      • It can also lead to stress and anxiety.
      • In severe cases, excessive self-awareness can even lead to depersonalization, a condition where one feels disconnected from their thoughts and their body.

Resilience

Tenacious

What is Tenacity and How to Use It To Be Successful

Learn The Mindset Of Productive People

  1. Be Solution-focused
  2. Put Down Boundaries
  3. Have a Healthy Routine
  4. Streamline your Life
  5. Look at the Bigger PictureBe Positive About Yourself
  6. Know Nothing Has to Be Perfect
  7. Respect Time

More

How to read people

How to Read People: 16 Behaviors Experts Use to Decipher Thoughts and Feelings

How to express your feelings

How to Express Your Feelings

Show your work

https://austinkleon.com/show-your-work/ Stop worrying, start sharing

Train your memory

Why Your Memory Sucks, and What You Can Do About It

Overcome

6 Challenges in Life You Must Overcome to Become a Better Person

10 Ways to Find Your Focus When You’re Stressed Out

https://www.lifehack.org/865529/how-to-focus-when-stressed

You Should Be Asking Yourself These Questions on a Regular Basis

You Should Be Asking Yourself These Questions on a Regular Basis

直覺

直覺是神之領域，是你沈睡著的天賦

順流

如何校正自身頻率，順應宇宙流？｜五個親證實修日常練習帶您順天道而行｜靈性養神. 不透過頭腦的分析比較思索判斷所作出來的才是 我們的最大利益.

Focus on the Good Things

How To Focus on the Good Things In Life (When Times Are Tough)

Distractions

5 Distractions That Make You Less Productive (And How to Avoid Them)

Remember

How to Remember What You Read

兒童人格

兒童人格不是教出來的

Middle age

Fear

Anxiety

How to Overcome Anxiety

Best way to persuade someone that they're wrong

Start by showing them how they're right - then show them the things they may not be aware of. Nobody gets offended by not being able to see every aspect of something.

How do you prove your are right

Proving that a hypothesis or theory is correct is an important part of scientific research and experimentation. There are several ways to demonstrate the validity of a hypothesis or theory, including the following:

  • Replication: One of the most powerful ways to prove that a hypothesis is correct is to replicate the results of an experiment. This means repeating the experiment with a new sample of subjects or data and obtaining similar results. If a hypothesis is correct, it should be possible to replicate the results consistently.
  • Validation: A hypothesis or theory can also be validated by testing it against other known facts or theories. This can be done by conducting experiments or collecting data that is consistent with the hypothesis or theory, or by using mathematical or logical models to demonstrate that the hypothesis or theory is consistent with other known facts or theories.
  • Falsification: Scientific hypotheses and theories are considered strong when they can be tested and falsified. Falsifiability refers to the ability to find evidence that would contradict or disprove the hypothesis, if it were false. The absence of such evidence supports the idea of the truth of the theory.

It is important to note that in science, no theory can be proven absolutely true. Rather, the goal of scientific research is to build a body of evidence that supports a hypothesis or theory and make it more likely to be true than other explanations, hence the term "evidence-based".

How to spend your time

Are You Spending Your Time on What Is Time-Worthy?

When Is the Best Time to Buy Apple Products

rd.com

Buy eyeglasses online

How Much Can You Save Buying Eyeglasses Online?

Honest

How to Teach Kids Not to Be 'Too' Honest (and Why You Should)

摩菲定理 Murphy's Law

https://zh.m.wikipedia.org/zh-tw/摩菲定理

Career spotlight

http://lifehacker.com/tag/career-spotlight

閱讀與時間管理

整段時間用於系統閱讀. 片段時間進行思考.

專注思維

發散思維

  • 保持放鬆　聚焦呼吸
  • 將念頭寫下
  • 換個環境

Metaphor 隱喻

How to Explain Difficult And Abstract Concepts (The Smart Way)

記憶法 Mnemonics

Learn a new language

Humor 幽默

怎样在后天学习中变成一个幽默

  1. 先不要自己把自己框死
  2. 要降低他人的期待
  3. 要让自己的话充满智慧
  4. 要利用共情，懂得什么场合说什么话

腦筋急轉彎題目 brain teaser

Printable mazes

Search by bing or google

Creativity

Don’t Think You’re a Creative Person? You Can Definitely Change That

Creativity is a matter of connecting things together in order to derive new meaning or value.

Crafts

20 Fun Thanksgiving Crafts for Kids to Keep Them Busy

Organize

Happy

Jokes

100 Short Jokes for Kids That Are Easy to Remember

Fulfilling life

Order of siblings

The order of siblings in a family, also known as birth order, has been suggested by some psychologists to have an impact on an individual’s personality and achievement. However, the evidence is mixed and the effects, if they exist, appear to be quite small.

Alfred Adler, a 20th-century psychologist, proposed that birth order can shape personality traits. According to his theory:

  • First-borns may be more responsible and achievement-oriented.
  • Middle children may be more sociable and feel the need to ‘belong’.
  • Youngest children may be more outgoing and uncomplicated.
  • Only children may be more independent and self-reliant.

However, many modern psychologists argue that other factors, such as parenting style, socio-economic status, and individual temperament, play a much larger role in shaping personality and achievement than birth order.

In terms of academic achievement, some studies suggest that first-borns tend to have slightly higher IQs and can be more successful in school. This is often attributed to the dilution hypothesis, which suggests that parental resources (time, energy) get diluted with each subsequent child.

However, it’s important to note that these are general trends and there can be significant variation within families. Also, these effects are usually small and can be overshadowed by other factors in a person’s life. Therefore, while birth order might have some influence on personality and achievement, it is just one of many factors that contribute to human development.

Raising an autonomous/independent kid

An Age-By-Age Guide to Raising an Autonomous Kid

How to be successful

  1. Set goals with action plans
  2. Read more deeply and critically
  3. Work smart
  4. Accept failure and learn from it
  5. Delegate and explore something new
  6. Always get prepared

Intelligence Is Not The Key To Success

I Worked With Elon Musk And Learned That Intelligence Is Not The Key To Success

Effective Approaches to Solving Problems in Life

5 Most Effective Approaches to Solving Problems in Life

Work life balance tips

13 Work Life Balance Tips for a Happy and Productive Life

10 Employee Engagement Ideas to Improve Teamwork

https://www.lifehack.org/847752/employee-engagement-ideas

五個關鍵實現夢想

  • 訂定夢想
  • 想像
  • 有行動力
  • 學習幼兒走路
  • 接受新挑戰

成功的人

成功的人，通常都擁有這些人格特質

不想活到80歲才後悔　貝佐斯：問自己12個問題

https://club.commonhealth.com.tw/article/2021

Ways to Stay Productive and Motivated When Working From Home

90 Ways to Stay Productive and Motivated When Working From Home

How to make a big change

  • Get in your boat and pick a direction. Begin to do something purely enjoyable.
  • Redirect when you need to
  • Keep momentum with small stokes

星座

你排行老幾？ 家庭星座大解密

How to read 10X faster and retain more

http://www.lifehack.org/615485/how-to-read-10x-faster-and-retain-more

Security

How to create a secure password

http://www.wikihow.com/Create-a-Secure-Password

Keep Your Home Address Private

Keep Your Home Address Private With a Google Alert

UPS Store mailbox services

The UPS Store mailbox services give you a real street address. The UPS Store mailbox services have many locations providing 24-hour access to your mail.

Confidence

Wisdom

I also came to realize that if people could make me angry they could control me. Why should I give someone else such power over my life - Gifted Hands The Ben Carson story. temper.

I wasn't goint to let him make me react because then he would be able to get to me - Gifted Hands The Ben Carson story.

A calm and modest life brings more happiness than the pursuit of success combined with constant restlessness, Albert Einstein

Google Cultural Institute

https://www.google.com/culturalinstitute/home

TV

Free online news

Free Live TV Streaming

Live TV

Cartoon

Amazon prime videos

Pluto TV

How to Watch Pluto TV Without Ads

Travel

Travel

Volunteer

Giving Tips

Stock

Online shopping

13 Amazon Alternatives You Can Shop From Right Now

信用卡 Credit card

ebay gift card

Check balance https://www.ebay.com/ebaygiftcard

Virtual credit card

American express --- GPay.

Banking

Senior discounts

37 Senior Discounts You Can Score Starting at Age 55

Retirement

Tips

I’ve Been a Retirement Planner for 17 Years—Here Are the 18 Biggest Mistakes Most People Make

How Retirement Income Is Taxed

How Different Retirement Income Is Taxed

Sustainable withdrawal rate

Pension, Federal Employees Retirement System/FERS, Annuity

FERS

境外領取美國退休金

http://www.worldjournal.com/5318436/article-境外領取美國退休金/

Would You Rather Get $1 Million or $5000 a Month for Retirement?

http://twocents.lifehacker.com/would-you-rather-get-1-million-or-5000-a-month-for-re-1793721147

How to Make a Retirement Budget

How to Make a Retirement Budget

Turning 67 in the New Year

Turning 67 in the New Year? Here's What to Know Before You Retire

Social Security

How much money you need to retire comfortably in every U.S. state

America's healthiest and least healthy states

Report

Bike

Avoid static shock in Winter (dry air)

  • Hold the metal frame as you exit the car.
  • Hands to touch a damped cloth first.
  • Hold a key (Don't use a key that contains an electronic chip. The shock could destroy the chip and make your key unusable) and let key to touch a metal first.
  • Humidifier. Keep it above 30 percent relative humidity, though 40 percent or 50 percent would be even better.

Fleece and static cling/magnet

  • Some materials, such as fleece, are more prone to static electricity than others. For example, this one Men's Steens Mountain™ Novelty Half Snap Fleece Hoodie which is 100% polyester.
  • Is fleece a material? Yes, fleece is a synthetic fabric that is typically made from polyester fibers, although it can also be made from other materials like recycled plastic bottles.
  • How to Get Rid of Static Fleece
  • How to Prevent Static in Laundry
  • Why fleece is prone to static cling
    • Fleece is a synthetic fabric that is typically made from polyester fibers. Like other synthetic fabrics, fleece is prone to static cling due to the way it interacts with moisture and friction.
    • When two different materials rub against each other, they can exchange electrons, creating a charge. Synthetic fabrics like polyester tend to accumulate a negative charge, while natural fabrics like cotton tend to accumulate a positive charge. This imbalance of charges can lead to static cling, where the fabric sticks together or to other surfaces.
    • Fleece is also less absorbent than natural fibers, which means that it doesn't hold moisture as well. This can lead to a buildup of static electricity, especially in dry environments. Additionally, washing and drying fleece can contribute to static cling, as the agitation of the washing machine and the heat of the dryer can create friction that generates a charge.
    • To reduce static cling in fleece, there are several things that can be done, such as using fabric softeners, using anti-static sprays, washing the fabric with vinegar or baking soda, or using dryer balls to break up clumps of fabric.

Fold chips bags

https://www.wikihow.com/Close-a-Bag-of-Chips-by-Folding-It

Cut Jeans

How to Cut Jeans

收纳

超实用，终结10大厨房收纳难题，别再说你家厨房空间小了

Garden/soil

Weeds

16 Ways to Kill Garden Weeds

Movies

25 Movies That Will Make You Ugly Cry

Kids

Photos

Local library

Speak

稱讚 Compliment

  • 美丽贤惠的母亲，漂亮聪明的女儿，高大帅气的儿子，忠诚称职的父亲

To kids

Stop Telling Kids to 'Be Careful' (and What to Say Instead)

Most-spoken language in each US state

The Most-Spoken Language In Each US State (Besides English And Spanish), Mapped

Jobs

7 Job Search Websites to Help You Change Careers

Interview

Internship

The 4 Best Free Virtual Internship Sites for Students

Resume/CV

Soft Skills

Recommendation letter

Linkedin

Bypass public LinkedIn profile obfuscation

Meeting

  • What are some good questions to ask in a meeting?
    • Clarification Questions: If something isn’t clear during the meeting, don’t hesitate to ask for clarification. For example, “Could you please elaborate on that point?” or “Could you give an example to illustrate this concept?”
    • Follow-up Questions: If a topic piques your interest or if you think it could be explored further, ask a follow-up question. For example, “How does this strategy align with our overall goals?” or “What are the potential challenges we might face with this approach?”
    • Opinion Questions: Asking for others’ opinions can foster a more collaborative environment. For example, “What are your thoughts on this?” or “Do you see any potential issues with this plan?” ... “I don’t have any questions at the moment, but I might reach out later if something comes up.”
    • Next Steps Questions: Towards the end of the meeting, it’s good to ask about the next steps to ensure everyone is on the same page. For example, “What are the next steps we should take?” or “Who will be responsible for this task?”
    • Summary Questions: These help ensure that everyone has the same understanding of what was discussed. For example, “Can we summarize the key points we’ve discussed today?” or “Have we addressed all the items on the agenda?”

Remove personal information

How to Write the Personal Statement for College Applications

https://lifehacker.com/how-to-write-the-personal-statement-for-college-applica-1823014335

The Best Way to Find College Admissions Info on Google

Describe a person

Here’s What Your Handwriting Says About You

https://www.rd.com/advice/work-career/handwriting-analysis/

Draw 繪畫

中文

Voicemail

6 Professional Voicemail Message Examples You Can Use

Basic research vs Applied research

Google scholar search

What does 'citations' mean in google scholar search results? [Citation] means that Google Scholar has not been able to find a source for the publication, but that it has inferred that it exists because other publications cite it.

Friends

破冰, small talk

What to say

How to Find the Perfect Thing to Say in Every Situation

Storyteller

Storytelling - Become An AMAZING Storyteller!!!

Talk to teens

How to Talk to Teens And Have Real Conversations

How to Email Someone When It's Been Too Long

https://lifehacker.com/how-to-email-someone-when-its-been-too-long-1828468657

Writing emails

5 Ways to Write Professional Emails That Save Time and Effort

Happy Birthday Messages

100 Happy Birthday Messages That Will Make Everyone Smile

Gifts

移民

  • I-140 (表格)
  • EAD
  • H1B visa
  • 職業綠卡移民 EB1-A(傑出人才), EB2(國家利益豁免), EB1-C(跨國公司主管), EB5(投資)

草坪 Lawn/grass

  • 美国草地如何维护
  • 怎样给草坪施肥

Waste disposal

Drop-off Hours and Site Map for Recyclables and Trash montgomery county md

Black Decker 36v 18/19inch

Weather

Cold weather

How to Dress for Winter

Dog

Separation Anxiety

What to Do If Your Dog Suffers From Separation Anxiety

Dog training

文学城

https://bbs.wenxuecity.com/

Money 理財

Cost of living

Cost of living calculator

紅包

過年紅包包多少

Tax

新稅制 2018 tax

10 secrets

10 Secret Places Rich People Hide Their Money

Underpayment penalty

Law

Nolo's Encyclopedia of Everyday Law: Answers to Your Most Frequently Asked Legal Questions

保險 Insurance

National brands vs store brands

你有哪些内行人才知道的省钱诀窍？

Difference Between Senator and Representative

https://www.differencebetween.com/difference-between-senator-and-vs-representative/

Federal employees

  • TSP
    • TSP can be changed at any time through myPay.
    • TSP contribution limits
    • After a change, the effect starts on the next pay period. For example, if we made a change during the last pay period (Dec 10-Dec 23, 2017), the election will be effective on Dec 24, the first pay period for 2018. See News.
    • Unlike regular TSP elections, a Catch-up election is only valid for one year. Therefore, if you want to make Catch-up contributions each year, you must make a new election each year. Also it takes 2 weeks for the change to take effect. The catch-up election limit will be shown on the myPay webpage. Note: this has changed for year 2021: the catch-up contribution is combined with the regular TSP.
    • For quarterly account statements, click the bell icon (notifications) and click on "Secure Mailbox" tab.
  • You may enter only one TSP Transaction per pay period.
  • Breaking Down the TSP Investment Funds
    • G fund: Government Securities Investment Fund
    • F fund: Fixed-Income Investment Index Fund
    • C fund: Common Stock Index Investment Fund, based on S & P 500 (the most conservative of the three stock funds available in the TSP)
    • S fund: Small-Capitalization Stock Index Fund, same as Dow Jones. The S Fund is considered one of two funds with the greatest risk in the TSP. It has outperformed the C Fund with proportionately greater volatility over time.
    • I fund: International Stock Index Investment Fund. It is regarded as the other high-risk fund in the TSP and has historically posted a higher average annual return than the C Fund.
    • L fund: Lifecycle Funds
  • TSP follows the payroll calendar. Pay period end on Saturday and the pay day is on next Friday.
  • Lose or use calendar (see itas reports) is not the same as the payroll calendar
  • Federal agents closed. Tier 2 (telework ready) employees still need to work and enter an ad-hoc TW request.
  • GS payscale table, Employee Lookup Tool
  • OPM
  • Payroll calendar
  • Printable calendar w/ federal holidays (US) and common observances
  • Withdraw money from TSP

Paycheck

Service Computation Date/SCD

Federal Employees Retirement System (FERS)

IRA account

IRA is independent of TSP.

SEP/Simplified Employee Pension

壽險

定期(term life) vs 終身(whole/permanent life) 壽險

Annuity

Index annuity

Lifetime Income Rider

遺囑

預立遺囑-規畫遺產有必要

Death

What It Feels Like to Die

Happy New Year

  • Have a happy, healthy, successful New Year!
  • May your wishes come true and may you have a joyous New Year.
  • May the year ahead bring you good luck and happiness.
  • May the coming year bring success to you.
  • Let the year ahead be the one where all your dreams come true.
  • I wish you happiness in the year to come.
  • Wish you have a New Year filled with happiness and good fortune.
  • May you have a prosperous New Year.

Cryptocurrency

Patent

How to Patent an Idea in 8 Simple Steps

Space

What Galaxy is the Earth In?

Moon

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