Some itineraries from the web:

1. https://alicesadventuresonearth.com/3-days-in-borneo/ – 3D
2. https://waitwhereisshe.com/jungle-river-safari-in-borneo-best-borneo-travel-guide/ – 4D
3. https://www.backpackingbella.com/borneo-nature-paradise/ – 5D
4. https://khyatimaloo.com/borneo-7-days-itinerary/ – 7D
5. https://www.contiki.com/six-two/article/ultimate-borneo-itinerary/ – 9D
6. https://girlonazebra.com/10-day-borneo-itinerary/ – 10D
7. https://www.margauxsfootprints.com/post/one-week-malaysian-borneo-itinerary – 1W
8. https://www.trailfinders.com/blogs/14-days-in-magical-malaysia-&-beautiful-borneo – 2W
9. https://findingalexx.com/2-weeks-in-borneo-sabah-itinerary/ – 2W
10. https://www.alovelyplanet.com/borneo-itinerary-two-weeks/ – 2W
11. https://theflainstravel.com/2-weeks-in-borneo-itinerary-singapore-kuala-lumpur/ – 2W
12. https://www.thelitebackpacker.com/countries/the-ultimate-sabah-borneo-itinerary-on-a-budget/ – 2W
13. https://www.theworldtrippers.com/itineraries/borneo-roundtrip-itinerary/ – 2-3W
14. https://www.calloftheworld.com/how-to-spend-3-weeks-in-borneo-epic-itinerary/ – 3W
15. https://southeastasiabackpacker.com/malaysian-borneo-itinerary/ – 3W
16. https://threeweektraveller.com/3-weeks-in-borneo-itinerary/ – 3W

A fly-and-flop holiday is a vacation that includes airfare and a destination.
Some of the best countries for such tourism include:

1. Indonesia: A place where culture and nature meet – Bali, Surabaya, Batam.
2. Thailand: A gateway to Southeast Asia with multiple cities worth your time – Phuket, Krabi, Koh Samui, Chiang Mai.
3. Sri Lanka: A unique land off the southern coast of India
4. Vietnam: A top destination for tourism – Mekong Delta, Phu Quoc, Da Nang, Nha Trang, Can Tho.
5. Malaysia: A truly Asian destination – Kuala Lumpur, Kota Kinabalu, Langkawi
6. Bhutan: Considered the happiest country in Asia
7. Japan: A country known for its architecture and food – Tokyo, Kyoto, Sapporo, Hiroshima
8. Turkey: A land of culture with a modern twist – Istanbul, Ankara, Antalya, Cappadocia
9. Portugal : Access the Atlantic ocean – Lisbon, Porto, Sintra, Coimbra
10. Croatia : Access the Adriatic sea

I have been to Indonesia and Malaysia in 2015, lived in Japan from 2014 to 2019, been to Turkey on NYE in 2019-2020, Thailand in 2022, Portugal in 2023. My next destination is gonna be Vietnam. I believe I can visit Sri Lanka and Bhutan anytime later as both are pretty close to India. Same goes for Maldives, Mauritius & Seychelles.

I would even add Bora Bora in French Polynesia, Zanzibar in Tanzania to the list.
Perhaps even Oman in the Middle East.

source: https://www.youtube.com/watch?v=9IVTOh0TkkQ

lyrics: https://www.deezer.com/en/track/94065914

alt:https://genius.com/Kodaline-everything-works-out-in-the-end-lyrics

spotify: https://open.spotify.com/track/45IFvFqHG8oiEK1fAYdNw1?si=ada0448864364414

It is about how to find peace with where you are and plan your future in wherever you’d like to be.
One way to do so is through investing for it. Maybe you are looking to FIRE at 40. Then 30 is the right time to plan for that early retirement.

Long-term wealth creation demands an optimally diversified investment portfolio and long term risk-adjusted returns on your investments, which is what every investor strives for. In order to attain this, you need to allocate the right amount of funds to equities, fixed-income securities, and other asset classes in your investment portfolio.

Different asset classes perform differently depending on the varying macroeconomic situation. Thus, when you diversify your investments across asset classes that have a negative correlation with one another, the impact of any dramatic decline in one asset class is typically offset by the likelihood of an increase in other asset classes.

Illustration: Performance across asset classes differs every year

A Chinese proverb says: “The best time to plant a tree was 20 years ago. The second-best time is now.” That attitude is at the heart of investing. No matter how old you are, the best time to start investing was a while ago. But it’s never too late to do something.

One of the most basic principles of investing is to gradually reduce your risk as you get older. That makes sense when you consider that retirees don’t have the luxury of waiting (or the capital, for that matter) for the market to bounce back after a dip. The dilemma is figuring out exactly how safe you should be relative to the stage of life you’re in at any given point in time.

One’s risk appetite decreases over time since expenses, responsibilities, and financial obligations increase, whereas the number of earning years left decreases.

As you near your retirement age, your risk tolerance would decrease even further because of the absence of a steady source of income, and you can’t afford any wild swings in your portfolio value. Periodic reviews of your asset allocation strategy could enhance your portfolio performance by booking profits in asset classes that have rallied and reinvesting in other asset classes with better opportunities ahead.

Just make sure the decisions you make are the right ones for your age—your investment approach should age with you. It’s also a good idea to meet with a qualified financial professional who can tell you where you stand and where you need to go.

For years, a commonly cited rule of thumb has helped simplify asset allocation. According to this principle called the Rule of 100, individuals should hold a percentage of stocks equal to 100 minus their age. So, for a typical 60-year-old, 40% of the portfolio should be equities. The rest would comprise high-grade bonds, government debt, and other relatively safe assets.

Since life expectancy is growing, changing that rule to 110 minus your age or 120 minus your age may be more appropriate.

Since women live nearly 5 years longer than men on average, they have higher costs in retirement than men and an incentive to be slightly more aggressive with their nest egg.

Most retirement experts and financial planners recommend you save at least 10% of your annual income for retirement. But how you save and invest in the decades before you leave your nine-to-five job impacts how you’ll spend your post-work years. It’s important to know that the asset allocation strategy you use in your 20s and 30s won’t work when you’re close to (or in) retirement.

Each asset class has a different level of risk and reward—returns, as they’re usually called. As such, each class behaves differently over time, depending on what’s happening in the overall economy and other factors.

Investing in a variety of asset classes provides diversification in your portfolio. That diversification keeps you from losing all your money if one asset class goes south.

Some investors are comfortable with a more aggressive investment approach, while others value stability above all else—or have life situations that call for extra caution.

At any age, you should first gather at least six to 12 months’ worth of living expenses in a readily accessible place, such as a savings account.

Your 30s are a Career-Focused Zone.
Recommended Asset Allocation:

Stocks: 70% to 80%
Bonds: 20% to 30%

You’re still young enough to reap the rewards of compound interest, but need to be cautious of crashes.

Even if you’re now paying for a mortgage or starting a family, contributing to your retirement should be a top priority. You still have 30 to 40 active working years left, so this is when you need to maximize that contribution.

Yours 40s & 50s are when you have a retirement-minded thinking.

Recommended Asset Allocation:

Stocks: 50% to 70%
Bonds: 30% to 50%

If you’ve procrastinated saving for retirement until your 40s—or if you were in a low-paying career and switched to something more lucrative—now is the time to buckle down and get serious. If you’re already on track, use this time to do serious portfolio building. You’re at the midpoint of your career, and you’re probably approaching your peak earning potential.

Even if you’re saving for your kids’ college funds or continuing to pay your mortgage, retirement savings should be at the forefront of every financial decision. You have enough time to play catch up if you’re careful, but not enough time to mess around.

You’ll need to save in aggressive assets like stocks to give your funds the best chance to beat inflation, which is the pace of rising prices in the economy. However, “aggressive” doesn’t mean “careless.”

Actual Retirement might happen in 60s, 70s or 80s depending on where you are and what labour laws apply there around the time of retirement.

Recommended Asset Allocation:

Stocks: 30% to 50%
Bonds: 50% to 70%

It’s time to shift your focus from growth to income. Still, that doesn’t mean you want to cash out all your stocks. Focus on stocks that provide dividend income and add to your bond holdings.

It is very important to change your portfolio allocation by age. That’s because the older you get, the less risk you can tolerate. Put simply, you don’t have the time to lose and replenish the capital base in your nest egg. Preservation of capital is important for those who are closer to retirement. As such, financial security is important to them since they can’t wait for the market to bounce back.

Do note that merely choosing an investment option based on hearsay tips from friends and relatives and investing a chunk of your money is not going to serve any purpose.

ref: https://www.wintwealth.com/blog/investment-strategies-asset-allocation-by-age/

1. WorkInLithuania.com
2. WorkInLuxembourg.lu
3. WorkInDenmark.dk
4. MyCareersFuture.gov.sg
5. NextLevelJobs.eu
6. WerkZoeken.nl
7. JoinGoodCompany.nl

Region specific : TheHub.io for Nordic Startups in Northern Europe

1. In-Memory Key-Value Store like Redis
2. Distributed Concurrent Queue like Kafka
3. Parking Lot
4. Tic Tac Toe
5. Library Management System
6. Splitwise for Expenses
7. Digital Wallet – Fund Transfer, Account Summary, Balance Check
8. Event Ticket Booking Platform such as for Movies
9. Hotel Management System – Guests, Staff, Rooms, Amenities, Pricing, Sales Campaigns
10. Hospital Management System – Doctors, Patients, Wards, Resources, Records
11. Food ordering system or restaurant search system
12. Taxi/Cab ordering system or navigation route search system
13. Online dating system or profile matching system such as for matrimonial or job search
14. Social Networking Platform
15. Digital Governance Platform – Passports, Driving License, Income Tax, Fines & Penalties, Crime Records

For samples of problems with solutions, see these repositories :

• https://github.com/lavakumarThatisetti/Machine-Coding-Round
• https://github.com/iqblmoh/machineCoding

One should be able to implement some of the concurrency principles in the code. One should be aware of things like how to start threads, how to communicate between different threads, and how to synchronize between multiple threads. One should have a good understanding of mutexes, semaphores, monitors, locks, deadlocks, and race conditions. There are concurrent data structures available in certain programming languages. One should also know how to use them in code. If you do, do it correctly and are able to answer questions that the interviewer might ask to follow up, it does not just help you ace this round, it is going to increase your rating. This increased rating will help even out any bad rounds.

1. Flights (unfortunately this might be the one that decides everything else)

2. Target cities/destinations and sequence based on activities or weather (ideally, this should be the deciding factor for flight sequence)

3. Accommodation (can use tables to compare, then book), can tweak sequence or shuffle places based on pricing to avoid weekends in tier 1 cities for example or find places in tier 2 regions near tier 1 cities such as Antibes near Cannes or Nice near Monaco.

4. Transportation
Depending on 2 & 3, make a section for transportation as applicable and jot down options such as train, bus & flight with timings and cost keeping luggage under consideration. Sometimes need to decide accommodation based on transport such as hotel near airport due to late night or early morning flight vs airbnb far from city to live close to nature (most likely need a rental care to get there though)

5. Visa (if applicable) & documents required or appointments needed with links to how to book
6. Insurance – Travel insurance is often needed for visa application.

6. Financial readiness – cash to carry, forex cards, etc

7. Day-level sightseeing plan or city-level list of spots to visit or activities to do.

8. Things to carry like a pilot checklist and miscellaneous links such as tourist SIM cards or museum passes with open & closed days & times, local foods worth trying and local festivals or events worth experiencing/attending if any during the travel period.

9. Driving license & international driving permit if needed

10. Shopping list – such as local souvenirs