The Archive · 2013 — Now
Notes from the practice.
Write to figure out what you actually think. The post is the second draft of a thought you had earlier in the day.
561 essays in the archive · 13 languages · 56 categories
The Pros and Cons of Choosing a High Deductible Health Plan (HDHP): A Guide for Expats in the US
HDHPs offer lower premiums and HSA tax advantages, but require careful consideration of your health needs and financial situation to determine if the upfront costs outweigh long-term savings.
Read the analysis
Treasury bill: 4.5%+ APY without state/local tax (Feb 2023 snapshot)
In early 2023, Treasury bills offered 4.5%+ APY exempt from state and local taxes—a significant advantage if you're in a high-tax state like California over standard high-yield savings.

The Comprehensive Guide to Cars in the US for Expats
Navigate car ownership in America with confidence—from negotiating dealership prices and understanding state registration fees to deciding whether buying or leasing fits your expat lifestyle.
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The Truth about Text-to-Image AI Art: Our Experience with Mid Journey and Stable Diffusion
No. 05Expats in the USFSA 101: A Practical Guide for Expats in the US
No. 06Education in the USEnrolling Children in US Schools: A Guide for International Families
No. 07AII have seen the first iteration of ads in Bing Chat, and here is how they look like
No. 08AIThe Potential Impact of Chat on Paid Search Revenue and SEO
No. 09Living in the USAdjusting to a New Culture as an Expat in the US: A Guide for a Successful Transition
No. 10AIReactions to "Bing AI Can't Be Trusted"
No. 11GeopoliticsThe Alarming Probabilities of Disruptive Conflicts and Wars, as Predicted by Ray Dalio
No. 12AIInterest in chatGPT doubled in the US over the past two weeks (late Jan to early Feb 2023)
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