By pjain      Published Nov. 12, 2019, 2:03 p.m. in blog Invest   


F! Top apps to study

New Blog Posts

F! iCloud

Home Gym Gather

=== Job Search

F1TUtBRg:1593106638327&source=univ&tbm=isch&q=site: - Health tech startup Scripta Insights takes off amid coronavirus - Sophia: Find the Right Therapist Online for Free - Sophia Takes the Guesswork Out of Finding the Right Therapist | Scout Cambridge - (20+) Sophia | Facebook - Sophia Therapy | Mass Digital Health - Sophia | Crunchbase - Sophia Has Closed, Meet Headway - Sophia Center – A holistic approach to mental, physical and emotional well-being - Sophia Dyer LMFT, Marriage & Family Therapy in - About GoodTherapy - GoodTherapy GoodCause!

AI Apps and Acqs

=== INVScr

ST quarterly vesting

inv Top

Ideas 6/25/2020


=== IQ Core CS w/o School

=== Dev Scr


--- InvScr

Lifes, Auto,Hm ---

Smart Backpacks

Dash Cam Use


Smartphone 4 Dec'19

Engine smokes on startup

Symptoms: Smoke on tailpipes

Cause: Putting too much oil in crankcase - can cause engine to smoke - too much spills over from .. - park on flat surface and check oil level

Cause Bad PCV Crankase ventilation valve .. responsible for controlling cycle => More smoke in idle

Cause Bad fuel/air ratio in carburetor - due to clogged air-filter - CauseA:- Leaking or stuck open injector - CauseB- O2 sensor - tells car computer if too much or little fuel into combustion sensor - if bad then

Cause: Due to blowing oil leak, bad valve seals, piston rings worn Fix: - use heavier weight oil on change - Additives - Restore makes product "stop smoke", another Engine Restore Problem: Hard to fix - move to rebuild engine!



Lifescale: How to Live a More Creative, Productive and Happy Life, Brian Solis

Somewhere along the way, we got distracted. As much as we multitask, love our devices and feel like we’re in control, deep down we know that something is off. Shortened attention spans, declines in critical thinking, lack of sleep, self-doubt and decreased creativity are just some of the effects coming to light in an age of digital distraction. It’s time to reclaim our lives. It’s time to take control.

In Lifescale, Brian explores the incredible effects of digital distraction on our personal and professional lives and what we need to do about it. Lifescale is a journey of self-discovery and growth. It’s about getting back into balance and remastering our destinies. Author Brian Solis knows first-hand. He struggled with distraction and all of its ill-effects. To get his life back, he developed a set of techniques, exercises, and thought experiments designed to tame the chaos, and positively and productively navigate our day-to-day lives. Instead of falling victim to the never-ending cycle of newsfeeds, Likes, addictive apps, and boredom scrolling (aka the endless scroll), we can learn to manage our time and inspire our own lives in a way that will bring meaning back—without sacrificing the benefits that our devices bring us. In Lifescale, Brian has done the legwork to pull together scientific findings and practical tools into one book. Readers—especially those who are distracted—will connect with the humor, pathos, and inspiration inside. Using this book’s simple but powerful lessons, we can:

◙ Identify sources of distraction and turn attention toward creativity and productivity ◙ Understand and resist the manipulative techniques that turn us into digital addicts ◙ Find meaning and purpose to guide our time in more meaningful ways ◙ Visualize future success to successfully dive into deep work and stop procrastinating ◙ Break bad habits, establish rituals and routines that help you achieve goals ◙ Nurture imagination and learn to express ourselves more artistically ◙ Maximize productivity with simple but effective strategies ◙ Focus for extended periods and make breaks more restorative ◙ Foster a strong sense of purpose in life and identify the steps needed to bring it to life every day ◙ Smile more and build self-esteem

STTips,BizMgt,PM Scr

SCR Sort XFR ====

Human Psychology

Social Goodness



Fin Edu, Money Smarts

Retirement, Financial Life simulation

Env,Causes Scr =====

Weather -> MicroWeather predictions


  • 3 israelis, CEO Shimon Elkabetz - $58m, 100# The traditional approach is to come and install sensors and then maintain them. This is expensive, not scalable
  • Cell phone signals virtual sensors, reverse correlate to weather - eg predict where and in which part it is raining in India HyperCast weather software for web, tablet, and mobile, and the Microweather API.
  • Deploy Fast Easy - don't wait for sensors - "install app" - global forecasting system over 35 cities in India to provide 24 to 48-hours alert with very high accuracy. You can take the country from a low weather data to almost like in the US, without breaking the bank!
  • Adv modelling - turn those data points to reliable weather models – how you take this data and make it valuable
  • BM$ airlines, agriculture space and specifically in the renewable and energy space
  • d rvw

--- Covid-19 Health Analysis and Trends

Facemask reuse

As health workers to cops are scrambling for the N95 masks and other protective equipment for health care workers as the number of COVID-19 cases continues to rise.

Battelle a non-profit invented a way for masks to be sterilized upto 20x using a “vapor phase hydrogen peroxide” process to sanitize the N95 masks. While previously FDA had limited to 10,000 masks/day, now it has lifted the ban, allowing machines to be rapidly deployed - could add 500,000+ face mask per day to supply.

Monetary and Fiscal response to Covid-19

HUGE Government Pension funds failures likely

  • 401ks have taken over nearly all private corporations and remaining in ICU under PBGC.
  • However federal and state Government Pension funds remain the dominant form due to labor unions from teachers and even upto federal senators.

State and City Funding failures likely

  • State, county and city governments cannot "print" money.

  • Massive declines in State, county and local tax revenues are already happening rapidly as sales and payroll taxes drop.

  • Property taxes--already hurting fall off a cliff as the commercial real estate bubble funded by easy money since 2008 is bursting - Fed is trying to bailout exposed banks.

  • Property taxes might fall drastically as housing bubble could implode
  • Building permit fees, Real estate transactions are also sources of transfer taxes and capital gains, and as values plummet so will transfer taxes and capital gains.

CA impact severe - Payroll taxes and Capital gains to fall

  • Many states ride on capital gains taxes on IPOs as well as taxes falling with the stock market.
  • CA 10% of all General Fund revenues - flow from capital gains-- $15.7b 2018. In 2007 capital gains was $11b but by 2009 fell to $2.3b. Similar $13b 2020 drop would erase the state's $8b "rainy day fund" and leave a $5b deficit. But that will only increase as sales and payroll taxes decline.

  • CA in 1950s used to have 50% come from state sales taxes - no more!

  • While in 1950 only 11% used to come from PIT, now it is over 69%. Once Silicon Valley corporations start laying off highly paid staff, income tax revenues will crater as well - as the wealthy pay most of state's income tax. Top 1% has paid more than 40% in 12 of 13 past years before 2019. This will. happen rapidly as VC-funded corporations get cutoff from funding to sustain red ink.

USD as Reserve Currency under stress, Dollar shortages globally, USD rises, T-bill rates fall

---- SCR---

Why we do worry so much

  1. Worrying is emotional survival, part of flight-or-fight response. It is a way to focus energy, perception and thought on critical problem at hand, vs other less pressing items.

  2. It triggers your brain problem solving

Stoicism lessons from Marcus Aurelius -

  1. This too will pass - bear it. Everything is just history repeating. Everything in life is momentary, complex patterns that move and change but ends.
  2. Reversion to the mean
  3. This time it is the different - yet the same

  4. For example in Aurelius's reign, the Antoinine Plague hit and killed 5 million in Roman empire. He personally advocated calmness. As the army was devasted, he used gladiators to fill in blanks. He provided state funds and corpse disposal squads to help limit infections and keep morale high vs bodies lying around. He used his own and state funds to pay for emergency actions.

  5. Ignore the noise

  6. Practice mindfulness

  7. Serve yourself

  8. Serve others

TOC Success in Retail

How get you to spend so much at Ikea

  1. Comfort + Discovery/Treasure hunt

  2. Winding through aisles - keep you browsing

  3. Unique Swedish meals fare within - "we can do the"

  4. Put in Cinnamon Bun at exit - get down stress of shopping, spending a lot of money - replaced with sweet taste

  5. Ikea Effect (Harvard study) - you value something that you assemble yourself

  6. Cheap, Euro-well-design

  7. Hired TaskRabbit, and Delivery -

  8. Thrive in quality and addicting the homeowner - seen as mid-last-longer, at a reasonable price. Vs cheapest china shit that breaks back.

  9. Sustainability Mission

  10. less guilt by buyers - but Ikea does not force "we are green" - they just are
  11. Ikea owns regrown forest area larger than Alaska.
  12. Current VERY large

  13. Ikea is brick and mortar - but already super affordable/low cost of doing business.

USA President's Review

Donald Trump

Obama - dignity/style/deep voice - but little progress or achievement

  • Democratic Party lost LOTS of ground under Obama as more Democratic state legislative seats were lost under Obama than under any president in modern history.

  • “During his presidency, even as he enjoyed reelection and strong approval ratings toward the end of this term, the Democratic Party suffered greatly. . . . Democrats lost more than one thousand seats in state legislatures, governors’ mansions, and Congress during his time in office.” - Zelizer


  • SUCCESS Clean energy greatly increased in solar power, wind power. But sharp decline in oil/gas processes from $150 to very low actually helped economy recover.
  • Car mileage standards raised - able to get agreement. But California not satisfied and pressed for higher standards. Trump rolled back even Obama's.

Health Care

  • Insurers remained embedded in the health care system
  • On many exchanges in states, many pulled out, so only one insurer stayed over
  • BOTCHED SUCCESS - Obamacare passed
  • FAIL Health Costs skyrocketed - even "cheap plans" like HMO from low quality Kaiser vertical integrated ("Rationed?") doubled their premiums to catchup to market
  • Overall family health insurance costs nearly doubled
  • The main beneficiaries were many poor americans eg blacks and hispanics got free gold-plated health care.


  • Fed did the bulk of saving the economy from the depths of the Great Recession of 2008-10 not Obama, but actually Fed did it slowly huge accomplishment
  • Vast rise of Big Government
  • Trade deficit exponential rise to $750b/year
  • GREAT rise in inequality - very sharp rise.
  • SELLOUT to Wall Street - ??todo
    • Not one banker went to Jail, except Madoff who robbed other influential Jews
  • FAIL - Cash for Clunkers - massive waste of money - did not help unemployment, GM bailout screwed bondholders to help unions

Foreign Relations

  • FAIL - Destruction of Libya - Hillary Clinton blamed - but Obama was in charge
  • FAIL - Destruction of Syria
  • SUCCESS - Iran nuclear agreement, deescalated mid-east tensions - but not enforceable or enforced.
  • SUCCESS - historic openings Cuba after decades of unnecessary arrogant boycotting

Terrorism, Immigration, Racism

  • Guantanamo was promised in campaign to be closed - but could not get it done
  • FAIL - Immigration crisis, 2x force on border, 3x money


  • "A Consequential President: The Legacy of Barack Obama," Michael D'Antonio
  • The Presidency of Barack Obama - Julian Zelizer

Bush Jr

Bill Clinton

Ronald Regan


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