Michael Dinh

What is the percentage difference between 12% and 22%? Many get this wrong.

This is why the middle class is screwed.

Retrieved from https://www.irs.gov/newsroom/irs-releases-tax-inflation-adjustments-for-tax-year-2025 Mar 30, 2025

Read more about it https://www.schwab.com/pcra and https://www.schwab.com/resource/pricing-guide-for-retirement-plan-accounts

Basically, I am not happy with the service and selection for current 401k.

With PCRA, there are more and better options!

HAPPY INVESTING!

Retrieved from https://www.schwab.com/learn/story/can-you-afford-to-retire-early March 19, 2025

Note to self !!!

There is no need for data entries nor attachments.

Remembered what I said?

If you lose 50%, then how many percent is required to break even?

Be Careful!

I get this questions often. The best investment is your house vs stock.

You might think I am smoking bad crack.

What investment can you live in over 2yrs and make 250k tax free for single / 500k married filing joint?

https://www.schwab.com/learn/story/guide-on-taking-social-security

https://www.schwab.com/learn/story/can-you-afford-to-retire-early

House is paid off and property is tax $2,100.

Please perform research for your situation as there is no one size fits all.

In addition to maintaining databases, I maintain cars (just the simple stuff).

Which one is the best?

https://www.irs.gov/newsroom/irs-releases-tax-inflation-adjustments-for-tax-year-2025

Marginal rates. For tax year 2025, the top tax rate remains 37% for individual single taxpayers with incomes greater than $626,350 ($751,600 for married couples filing jointly). The other rates are:
35% for incomes over $250,525 ($501,050 for married couples filing jointly).
32% for incomes over $197,300 ($394,600 for married couples filing jointly).
24% for incomes over $103,350 ($206,700 for married couples filing jointly).
22% for incomes over $48,475 ($96,950 for married couples filing jointly).
12% for incomes over $11,925 ($23,850 for married couples filing jointly).
10% for incomes $11,925 or less ($23,850 or less for married couples filing jointly).

What is the percentage difference between 12% and 22%? Most get this wrong!

Goal is to pay little to zero tax.

Translated into English by Tam Lac Jessica A. Tran

1.      Yearn not for a body free of disease and suffering, because without going through pain and illness, sundry desires are easily awakened. 

2.      Wish not for a life free of mishaps and obstacles, because without them one tends to become arrogant and egotistic.

3.      Pray not for a quick shortcut regarding spiritual introspect, because without excruciating effort, one becomes short-learning. 

4.      Fear not the haunting disturbance of evil while accumulating spiritual strength, because without them one’s determination does not grow solid strong.

5.      Hope not for easy success in one’s work, because without difficulties and failures, one tends to undervalue others and become overly proud. 

6.      Build not relationships on selfish gain, because a relationship based on profit has lost its genuine meaning. 

7.      Look not for a universal consensus regarding one’s personal opinion, because complete adoption to a single opinion will render narrow mindedness.

8.      Expect not repayment or reward from others for one’s services, because calculation and expectation contradicts true service.

9.      Engage not irrationally into profitable attractions, because jumping too quickly into temptation may well blind wisdom.

10.  Stir not at being victim of injustice, because eagerness to clarify reputation belongs to an ego too attached to loose.

 These are the Buddha’s teachings:

–          Consider disease and suffering as medicines to the body

–          Use mishaps as a means of self-liberation

–          Treat obstacles as enjoyable challenges

–          Greet haunting spirits as good companions

–          Consider difficulties as life enjoyments

–          Thank bad friends as helping you in self-adjustment

–          View unpleasant dissidents as friendly entertainment

–          See favors as merely unimportant sandals plentiful to dispose

–          Take disinterest from temptation as an honourable achievement.

–          Employ injustice as entry doors to spiritual perfection.

To accept obstacles will bring wisdom, but to pray for wisdom will inevitably bring obstacles.  It was within all obstacles approaching that The Thus Comes One enlightened to the Ultimate Bodhi. He gladly instilled perfection to the Path of Enlightenment to all the people who wished to do harm to him, even the great ill seeker that was named Devadatta.  

Thus, does not the difficulty faced in life bring beneficial results, and could not the destruction and damage of others bring support to one’s achievements?

Today Buddhist practitioner, because they firstly fear to throw themselves into all types of obstacle, so when true obstacles come their way, they are too helpless to fend for themselves. The Absolute Dharma of nobility and superior ambition thus diminishes because of this pity, how regretful, how resentful!?

Reference https://www.buddhismtoday.com/viet/phatphap/10dieutamniem.htm

Fill your mind with thoughts of peace, courage, and hope. – Dale Carnegie’s Golden Book.

There was a reason why I am not active on Linkedin and now I know why – Join 50,000+ engineers and learn how to crush technical interviews.

You may know about Backstroke, Breaststroke, Butterfly and not be a good swimmer.

I was bold back in the days. Had technical with Yahoo and every answers for the question asked was not correct.

Finally, I replied with, “If you put me on the database and if I cannot solve it, then don’t hire me.”

The interviewers replied with, “You are doing well Michael and we wanted to understand your thought and troubleshooting process.”

Yes! I did get the offer but had already accepted another “=)

There are 942 Oracle Tutorials

There are 622 References, Playbooks, etc…

If you learn something, then pay it forward.

Love this song!

Interim Patch:
A patch containing one or more fixes made available to customers who cannot wait until the next patch set or new product release to get a fix.

Bundle Patch (BP):
An iterative, cumulative patch that is issued between patch sets. Bundle patches usually include only fixes, but some may include minor enhancements.

Patch Set Update (PSU):
A quarterly patch that contains the most critical fixes for the applicable product, allowing customers to apply one patch to avoid many problems.
These will be documented in My Oracle Support documents and initially released from the Critical Patch Update program.

Security Patch Update (SPU):
An iterative, cumulative patch consisting of security fixes. Formerly known as Critical Patch Update.

Reference (Doc ID 1430923.1) retrieved on May 28, 2024

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Imagine a manager complimenting you, “I sleep better knowing you are at the helm.”
I have been laid off three times in a row now.

The last 2 positions were given to me without any interviews because the managers knows me and my work ethics.

I found this on LinkedIn and is just bad ethics.

I have always said the best part of me is my spouse.

Always do your best because you do not know who is paying attention!

Don’t Know + Don’t Try = Don’t Care.

Remove the don’t and do your best!

What is the difference?