Here is the link.
Sunday, March 31, 2019
Slow to adapt frugality
March 31, 2019
It is hard for me to learn to be frugal. I still remembered last Friday we went out for Jenny's last day lunch. I tried to order $3.5 two small pieces desert. "I want to be a frugal person", this is the first time I said that in the party with coworkers.
I also spend a few hours today to visit open house in Surrey near Guildford mall. And this is the first time I thought about frugality. Why do I need to spend my last 10 years savings for a down payment. How can I make a living with over $200,000 debt without any saving left?
I thought about the home costs over $270,000 US dollars for just one bedroom. I prefer to rent and also live closely with others. I should not feel ashamed about living condition. I work hard and that is the best I can get. I still remembered that I cried when I thought about my finance situation. I should not cry, I make a living and work full time.
I just choose to be happy and then continue to learn other things. I do believe that I have more challenging things to do compared to put myself in a debt. The price is too high and the commute is not practical. Renting business is tough and risky.
I saved $50,000 Canadian dollars in Canada banks working full time last 9 years, I did not learn how to invest on Vanguard total market index fund and then have any capital gain over $30,000 dollars.
The one bedroom owner in 149 st. purchased $160,000 dollars one bedroom in 2016, and started last Sept. to April 2019 to sell from $290,000 dollars, and now lowered to $277,000 dollars.
I do not need to worry about too much owing a home. It is too risky for me, since my asset in Canada is too little to be a home owner. Now the price is so inflated.
Compared to the seller, I learned hard lesson to save those $50,000 Canada dollars. I had to purchase a used car, and replaced the flat tire by myself, and also cut all my expenses from 2017, only food and no other shopping. I have lived in a small room last 10 years.
It is my thinking process I have to work on. I have to be able to make decision based on frugality principle.
Introduction
It is hard for me to learn to be frugal. I still remembered last Friday we went out for Jenny's last day lunch. I tried to order $3.5 two small pieces desert. "I want to be a frugal person", this is the first time I said that in the party with coworkers.
Open house visit
I also spend a few hours today to visit open house in Surrey near Guildford mall. And this is the first time I thought about frugality. Why do I need to spend my last 10 years savings for a down payment. How can I make a living with over $200,000 debt without any saving left?
I thought about the home costs over $270,000 US dollars for just one bedroom. I prefer to rent and also live closely with others. I should not feel ashamed about living condition. I work hard and that is the best I can get. I still remembered that I cried when I thought about my finance situation. I should not cry, I make a living and work full time.
I just choose to be happy and then continue to learn other things. I do believe that I have more challenging things to do compared to put myself in a debt. The price is too high and the commute is not practical. Renting business is tough and risky.
I saved $50,000 Canadian dollars in Canada banks working full time last 9 years, I did not learn how to invest on Vanguard total market index fund and then have any capital gain over $30,000 dollars.
The one bedroom owner in 149 st. purchased $160,000 dollars one bedroom in 2016, and started last Sept. to April 2019 to sell from $290,000 dollars, and now lowered to $277,000 dollars.
I do not need to worry about too much owing a home. It is too risky for me, since my asset in Canada is too little to be a home owner. Now the price is so inflated.
Compared to the seller, I learned hard lesson to save those $50,000 Canada dollars. I had to purchase a used car, and replaced the flat tire by myself, and also cut all my expenses from 2017, only food and no other shopping. I have lived in a small room last 10 years.
Actionable Items
It is my thinking process I have to work on. I have to be able to make decision based on frugality principle.
Follow up
Oct. 21, 2020
I just could not believe that I wrote the blog and it brought down my tears. I just could not believe that I have critical thinking and did not go for those inflated condo in the city of Surrey. Now the price went down, and it should go down more.
Life is tough for an immigrant in Canada. But I do learn things from a stable job, and I think taking more risk in stock market, and focus on long term investment.
投行裁完汽车公司裁 这是美国十年来失业者最难熬1年
Here is the link.
2018年，各个大公司以“业务调整”名义精简组织结构，大公司裁员的消息从未间断。到了2019年，这一切并没有变得好一点。先是花旗确定裁员，随后汽车行业、互联网行业的巨头们，“裁裁不休”。即使是被称为全球经济火车头的美国，失业者也迎来近十年来最艰难的一年。
从大数据看，尽管美国经济数据相对来讲并不差，失业率数据处于历史低位，劳动参与率高，工资增长10年来增长最快、首次申请失业救济人数回到近十年来的低点。报道称，纽约有23325个年薪超10万的职位空缺。其中，医疗保健、营销以及金融等领域的高薪职位空缺较多。
美国失业率在2018年持续降低，更是10月前后创下3.7%极低水平，这也是美国50多年来最低纪录。那么，为什么在过去六个月里，失业救济申请人数以一种“安静”的方式激增?
2019年开年，失业救济申请人数越来越多，为2009年以来最差年份。
究竟发生了什么?
分析认为，2018年美国经济强劲，但零售和汽车行业持续遭遇行业寒冬，一些大公司因经营不善和转型需要，裁员在所难免。以Verizon Wireless为例，公司以现转向5G业务为由，宣布裁员44000人。
为什么2019年开年，申领失业救济的创近十年记录呢?分析认为，各大公司在2018年宣布裁员，但最终完成时间都是在2019年初。
比如2018年最震撼的通用公司裁员，最后被裁员工的离职时间是在2019年初。2018年11月，美国通用汽车宣布在2019年裁员15%，其中，将薪资制员工及合同制员工的人数降低15%，管理层人数降低25%。通用宣布的这一裁员计划预计将造成全球14700名工厂工人和白领失业。
几乎在同一时间，美国第2大汽车制造商福特汽车也不断放风称，最多可能裁员2.4万人。
2018年放风，直到2019年2月底，花旗CEO Mike Corbat 才向向媒体证实：花旗已经准备好裁员20000人。
另一个让2019年申领救济金人数剧增的原因是，2018年大公司裁员正在陆续收尾，新的裁员信息又铺天盖地。
3月1日，独角兽WeWork裁员大约300名员工，约占其员工总数的3%;
本周三，美国艺电(EA)正在裁减350个非开发性工作岗位，主要涉及对象为市场营销和分析部门;
菲亚特克莱斯勒汽车周四表示，该公司将取消安大略温莎装配厂的一个班次，导致1500人被裁员……
最后，经济下滑压力和股市震荡，失业人数势必不断增多。据国际货币基金组织(IMF)最新预测，在今年1月分别下调2019、2020年全球经济增速预期0.2和0.1个百分点至3.5%和3.6%，这也是继去年10月后再度下调。
2018年一枝独秀的美国经济也将在2019年迎来重要转折，据美国政府、IMF和美联储预测，美国2019年GDP增速都将在2019年下滑。其中，在经济方面更加专业的IMF和美联储认为，美国经济在2019年-2020年的增速下滑曲线相对要陡峭得多。
2018年，各个大公司以“业务调整”名义精简组织结构，大公司裁员的消息从未间断。到了2019年，这一切并没有变得好一点。先是花旗确定裁员，随后汽车行业、互联网行业的巨头们，“裁裁不休”。即使是被称为全球经济火车头的美国，失业者也迎来近十年来最艰难的一年。
从大数据看，尽管美国经济数据相对来讲并不差，失业率数据处于历史低位，劳动参与率高，工资增长10年来增长最快、首次申请失业救济人数回到近十年来的低点。报道称，纽约有23325个年薪超10万的职位空缺。其中，医疗保健、营销以及金融等领域的高薪职位空缺较多。
美国失业率在2018年持续降低，更是10月前后创下3.7%极低水平，这也是美国50多年来最低纪录。那么，为什么在过去六个月里，失业救济申请人数以一种“安静”的方式激增?
2019年开年，失业救济申请人数越来越多，为2009年以来最差年份。
究竟发生了什么?
分析认为，2018年美国经济强劲，但零售和汽车行业持续遭遇行业寒冬，一些大公司因经营不善和转型需要，裁员在所难免。以Verizon Wireless为例，公司以现转向5G业务为由，宣布裁员44000人。
为什么2019年开年，申领失业救济的创近十年记录呢?分析认为，各大公司在2018年宣布裁员，但最终完成时间都是在2019年初。
比如2018年最震撼的通用公司裁员，最后被裁员工的离职时间是在2019年初。2018年11月，美国通用汽车宣布在2019年裁员15%，其中，将薪资制员工及合同制员工的人数降低15%，管理层人数降低25%。通用宣布的这一裁员计划预计将造成全球14700名工厂工人和白领失业。
几乎在同一时间，美国第2大汽车制造商福特汽车也不断放风称，最多可能裁员2.4万人。
2018年放风，直到2019年2月底，花旗CEO Mike Corbat 才向向媒体证实：花旗已经准备好裁员20000人。
另一个让2019年申领救济金人数剧增的原因是，2018年大公司裁员正在陆续收尾，新的裁员信息又铺天盖地。
3月1日，独角兽WeWork裁员大约300名员工，约占其员工总数的3%;
本周三，美国艺电(EA)正在裁减350个非开发性工作岗位，主要涉及对象为市场营销和分析部门;
菲亚特克莱斯勒汽车周四表示，该公司将取消安大略温莎装配厂的一个班次，导致1500人被裁员……
最后，经济下滑压力和股市震荡，失业人数势必不断增多。据国际货币基金组织(IMF)最新预测，在今年1月分别下调2019、2020年全球经济增速预期0.2和0.1个百分点至3.5%和3.6%，这也是继去年10月后再度下调。
2018年一枝独秀的美国经济也将在2019年迎来重要转折，据美国政府、IMF和美联储预测，美国2019年GDP增速都将在2019年下滑。其中，在经济方面更加专业的IMF和美联储认为，美国经济在2019年-2020年的增速下滑曲线相对要陡峭得多。
307-9952 149 Street
$274,800
Est. $1,014/mo
Property Description:
NEW PRICE - TOP FLOOR with Horizon View. 1 Bedroom + Den in Tall Timbers. Great unit in private complex surrounded by trees & gardens. West facing deck with newer vinyl decking and aluminum rail overlooking greenbelt. Laminate floors in main areas, Park like setting. Good size den could be used as bedroom/flex room. 1 parking stall in secure underground parking with ample outdoor visitor parking. Short walk to all amenities, Guildford Town Centre, TNT Supermarket, Guildford Rec Center, Short drive to Highway 1. Come see for yourself. Open House Sunday March 31st 1:00 - 4:00pm!
| Property Age | Built in 1980 (39 yrs old) |
|---|---|
| Gross Taxes for 2017 | $834 |
| Strata Maintenance Fees | $265 |
| Area | North Surrey |
| Sub-Area/Community | Guildford |
| Property Type | Apt/Condo |
| Title | Freehold Strata |
| Style | 1 Storey |
| Listing ID | R2348995 |
| Primary Agent | Tanveer Sandhu |
| Primary Broker | Keller Williams Elite Realty |
| Days on REW | 16 Days on REW |
305-14925 100 Avenue
March 31, 2019
It is Sunday open house time. I like to take a road trip to visit open house in the city of Surrey from 2:00 PM to 4:00 PM.
305-14925 100 Avenue
Introduction
It is Sunday open house time. I like to take a road trip to visit open house in the city of Surrey from 2:00 PM to 4:00 PM.
A one bedroom condo
305-14925 100 Avenue
Property Description:
Welcome to Forest Manor, located in the heart of Guildford. This spacious, top floor, one bedroom unit is well maintained with newer flooring, and a nice sized in suite storage. Enjoy your morning coffee on your private, covered balcony overlooking the nice courtyard on the quiet side of the building. One underground parking spot, and shared laundry. No rental restrictions makes this the perfect investment opportunity. The building is within walking distance to Guildford Town Centre, transit, schools, restaurants and recreation. A perfect opportunity for a first time home buyer wanting to get into the market! Call today for your private appointment. *Open House 2-4 Pm Sunday March 31*
| Property Age | Built in 1981 (38 yrs old) |
|---|---|
| Gross Taxes for 2017 | $744 |
| Strata Maintenance Fees | $222 |
| Area | North Surrey |
| Sub-Area/Community | Guildford |
| Property Type | Apt/Condo |
| Title | Freehold Strata |
| Style | Upper Unit |
| Listing ID | R2351905 |
| Primary Agent | Spomenka Nikic |
| Primary Broker | Oakwyn Realty Ltd. |
| Secondary Agent | Boris Nikic |
| Secondary Broker | Oakwyn Realty Ltd. |
| Days on REW | 5 Days on REW |
Best Vanguard ETF Funds for 2019
Here is the link.
Vanguard total world stock ETF. (VT)
Low expenses of .10% this is 91% lower than similar funds
Invests in foreign and US Stocks (over 8,000 stocks)
2.34% Dividend Yield
1 yr
9.76%
Vanguard total world stock ETF. (VT)
Low expenses of .10% this is 91% lower than similar funds
Invests in foreign and US Stocks (over 8,000 stocks)
2.34% Dividend Yield
1 yr
9.76%
The Growing Peril of Index Funds: Too Much Tech (wsj.com)
国外，国内看牙
Here is the article.
“之前在国内的部分公立医院也看过很多次牙，到了美国私立诊所发现，美国看牙贵也是有原因的。”罗婷说，前些年国内的技术的确稍微逊色一点，而且美国的诊疗费用里，有一部分是服务费用，只要进到诊所里，无论是洗牙、补牙、拔牙还是种植牙，都能一条龙服务，医生和护士会很友好的打招呼并且征询患者意见。
但是，让国外患者觉得幸福的是：目前国内的技术和服务完全可以和国际比肩。“我带着美国的价目表回国对比过，国内高端的民营牙科诊所现在和美国的经营模式很像，无论是服务还是技术都给患者很好的体验，重要的是基本上所有项目的费用平均都比美国便宜近70%。”罗婷说。
举例对比，国内民营口腔诊所治疗补牙,平均一颗300-600元，如果需要做牙冠，一颗牙3000-9000元不等，但是美国一般补牙大约300美金（2100多元），要是需要做牙冠大约需要2000美金左右（1.4万元多）；要是在美国种植牙，一颗平均3万-4万人民币，但是在中国，1万左右的种植体就有很多不同的选择。
除此之外，中国高端的口腔诊所对于洗牙、补牙、拔牙等基础治疗只要提前1—2天预约都不需要排队，最优秀的医生患者也可以在一周之内排到。
另外，再对比国内外的技术，中国的种植牙等高端技术完全领先大多数国家。泰康拜博口腔资深种植牙专家熊靖宇表示，现在中国很多老人满口都没有牙，同时牙槽骨流失严重，这些疑难种植病例我们都可以通过“穿颧”、“穿翼板”技术解决。这些高端技术让很多国内外患者慕名而来，中国口腔专家也在一直探索，让中国患者花更少的钱享受更精尖医疗技术带来的福利。花费少，医生的技术却丝毫不输国外，并且不用等“半年以后”才能排上号。
国内私立医院的环境和技术跟国外的医院也是完全可以相媲美。这就是为什么众多留学生宁愿频频花费昂贵的往返机票钱，也不愿在国外看牙的原因。
Weekly contest 130
March 31, 2019
It is the weekly contest 130. I solved two algorithms, and also I wrote the last algorithm and only had a bug with a wrong variable name.
I solved the fourth algorithm, but there is a spell error in the code. Here is the discussion link.
I also had idea to solve the second algorithm, but I did not have time to write a short version of the answer.
Introduction
It is the weekly contest 130. I solved two algorithms, and also I wrote the last algorithm and only had a bug with a wrong variable name.
My performance
Here is my ranking.
I solved the fourth algorithm, but there is a spell error in the code. Here is the discussion link.
I also had idea to solve the second algorithm, but I did not have time to write a short version of the answer.
My debugging skills
March 31, 2019
It is the fourth algorithm in weekly contest 130, I solved the problem but I had a spell error. I only had less than five minutes left and I did not solve the bug. Based on the fact that I could not find the issue in the contest, I like to do a short research how to advance my debugging skills overall.
Here is the discussion link I wrote about 1020 Number of Enclaves.
Introduction
It is the fourth algorithm in weekly contest 130, I solved the problem but I had a spell error. I only had less than five minutes left and I did not solve the bug. Based on the fact that I could not find the issue in the contest, I like to do a short research how to advance my debugging skills overall.
Spell error
Here is the discussion link I wrote about 1020 Number of Enclaves.
Saturday, March 30, 2019
50s I start to cry a few times
March 30, 2019
It is more challenge to live a healthy and happy life after I am over 50 years old. The first two years I tried not to let people know that I am over 50 years old.
I start to push myself to work on personal finance research. I need to push myself hard, and I like to figure out ways to build wealth and grow rich.
It is tough. I need to prepare early, but it is never too late.
I need to get myself back to more tennis sports. I start to learn the benefit of sports, specially it is so healthy to play double tennis game, I can get connected to others quickly and build support for sports activities.
Introduction
It is more challenge to live a healthy and happy life after I am over 50 years old. The first two years I tried not to let people know that I am over 50 years old.
Finance future
I start to push myself to work on personal finance research. I need to push myself hard, and I like to figure out ways to build wealth and grow rich.
It is tough. I need to prepare early, but it is never too late.
Tennis sports
I need to get myself back to more tennis sports. I start to learn the benefit of sports, specially it is so healthy to play double tennis game, I can get connected to others quickly and build support for sports activities.
How to pass online code screen any time?
March 30, 2019
It is the first time I learn that I have to push myself hard to be a problem solver. Why? I failed the code screen this March 2019. I did not put any effort on preparation on code screen, last time I did successfully is July 2017.
I did not apply any job since I like to work on the personal finance research. But I took the code screen and failed the test this March 2019.
I have to review carefully and figure out how to improve my problem solving skills.
1. I do not practice hard level algorithms starting from July 2018.
2. I only played weekly contest after Nov. 2018. I did not practice algorithms in weekday and weekend from Nov. 2018 to March 2019.
3. I like to push myself hard to learn personal finance.
4. I choose to work on tree algorithm in mock interview on interviewing.io. I should try various algorithms instead.
5. ...
Introduction
It is the first time I learn that I have to push myself hard to be a problem solver. Why? I failed the code screen this March 2019. I did not put any effort on preparation on code screen, last time I did successfully is July 2017.
Code screen
I did not apply any job since I like to work on the personal finance research. But I took the code screen and failed the test this March 2019.
10 reasons I failed
1. I do not practice hard level algorithms starting from July 2018.
2. I only played weekly contest after Nov. 2018. I did not practice algorithms in weekday and weekend from Nov. 2018 to March 2019.
3. I like to push myself hard to learn personal finance.
4. I choose to work on tree algorithm in mock interview on interviewing.io. I should try various algorithms instead.
5. ...
10 reasons I do not spend time on personal finance research before 2018
March 30, 2019
It is my personal finance research. I try to figure out 10 reasons I do not spend time on personal finance research before Nov. 2018
I like to come out some analysis what are the top 10 reasons I do not spend time on personal finance research.
1. I do not know that I have spending problems. I think that I have income problems.
2. I do not try hard enough to solve my housing problem in Vancouver area at all.
3. I feel pressure to hold a full time programmer job all the time.
4.
Introduction
It is my personal finance research. I try to figure out 10 reasons I do not spend time on personal finance research before Nov. 2018
10 reasons
I like to come out some analysis what are the top 10 reasons I do not spend time on personal finance research.
1. I do not know that I have spending problems. I think that I have income problems.
2. I do not try hard enough to solve my housing problem in Vancouver area at all.
3. I feel pressure to hold a full time programmer job all the time.
4.
Ashleigh Barty - being a tennis fan
March 30, 2019
It is time for me to spend 30 minutes to study the tennis player, Miami open 2019 champion.
Here is the video I watch.
Introduction
It is time for me to spend 30 minutes to study the tennis player, Miami open 2019 champion.
Player study
Here is the video I watch.
Case study: 23 years in North America
March 30, 2019
It is my personal finance research. I learn that I do not have enough time to work on my personal finance research, I did not start early first year 1996. There are so many things to learn and I am not ready to manage my cash and let them all park in the money market fund. Where did my time go? What are top 10 waste in my last 23 years in North America?
Top No. 1
Most of biggest waste is to talk and chat with my mom from 1999 to 2010. I stopped learning by myself, and most of time I spent time to chat with my mom using long distance calls.
I spent over thousands US dollars for international long distance calls with my mom and my relatives. I did not say enough no to my mom on those expenses.
Top No. 2
Cloth shopping.
I spent 22 shopping trips from 2011 to 2015 to Bellingham, WA state. I wasted those money over $5,000 US dollars on clothes. Also I spent over 4 hours on round trip, total hours at least hundreds of hours.
Introduction
It is my personal finance research. I learn that I do not have enough time to work on my personal finance research, I did not start early first year 1996. There are so many things to learn and I am not ready to manage my cash and let them all park in the money market fund. Where did my time go? What are top 10 waste in my last 23 years in North America?
Case study
Most of biggest waste is to talk and chat with my mom from 1999 to 2010. I stopped learning by myself, and most of time I spent time to chat with my mom using long distance calls.
I spent over thousands US dollars for international long distance calls with my mom and my relatives. I did not say enough no to my mom on those expenses.
Top No. 2
Cloth shopping.
I spent 22 shopping trips from 2011 to 2015 to Bellingham, WA state. I wasted those money over $5,000 US dollars on clothes. Also I spent over 4 hours on round trip, total hours at least hundreds of hours.
I missed Miami Open 2019
March 30, 2019
It is the last day of final this weekend. I missed the open. I originally tried to put together a vacation for me to visit my rental property in the city of Boca Raton, and then I decided to give up a trip to apply frugality principle.
I need to book the flight, and car rental. I can spend time in my spare bedroom and do some work for cleaning and repair. I can catch Miami open and enjoy the vacation
I need to figure out where to stop in-between, there is no direct flight. And also I need to book a vacation as well.
I need to think about bringing back my clothing and other stuff. I need to apply frugality principle and start to practice this principle as well.
I use flychina.com to check lowest price, and also I need to figure out rental of car, how to use Uber etc.
Introduction
It is the last day of final this weekend. I missed the open. I originally tried to put together a vacation for me to visit my rental property in the city of Boca Raton, and then I decided to give up a trip to apply frugality principle.
Cost of planning
I need to book the flight, and car rental. I can spend time in my spare bedroom and do some work for cleaning and repair. I can catch Miami open and enjoy the vacation
A few problems
I need to figure out where to stop in-between, there is no direct flight. And also I need to book a vacation as well.
I need to think about bringing back my clothing and other stuff. I need to apply frugality principle and start to practice this principle as well.
I use flychina.com to check lowest price, and also I need to figure out rental of car, how to use Uber etc.
Why frugality is so important?
March 30, 2019
It is my personal finance research. I like to write a blog related to a topic called why frugality is so important.
I did case study on my Citi bank credit card statements from 1999 to 2001. I did not learn the importance of frugality, I tried to spend money to please myself and my mom and my relatives, I spent over $40,000 dollars on Citi bank credit card from 1999 to 2001.
I did not analyze my strategies based on my H1-B visa and its limitation, and I did not understand startup company and also my technical strength.
I also like to figure out that I spent over 20 years to pay off the loan on my home in Boca Raton with a loan around $25,000 us dollars in 1999.
It is true that when I started to work full time as a software programming using OPT or work visa, I did not know how hard it is for the startup company to survive. I did not know that the value those salary I got. I have to use those income to build up my net asset.
Introduction
It is my personal finance research. I like to write a blog related to a topic called why frugality is so important.
Frugality is so important
I did case study on my Citi bank credit card statements from 1999 to 2001. I did not learn the importance of frugality, I tried to spend money to please myself and my mom and my relatives, I spent over $40,000 dollars on Citi bank credit card from 1999 to 2001.
I did not analyze my strategies based on my H1-B visa and its limitation, and I did not understand startup company and also my technical strength.
I also like to figure out that I spent over 20 years to pay off the loan on my home in Boca Raton with a loan around $25,000 us dollars in 1999.
It is true that when I started to work full time as a software programming using OPT or work visa, I did not know how hard it is for the startup company to survive. I did not know that the value those salary I got. I have to use those income to build up my net asset.
Stocks — Part 1: There’s a major market crash coming!!!! and Dr. Lo can’t save you.
Here is the article I choose to read this Saturday. Now it is 1:47 PM, I like to spend next 20 minutes to read the article.
Why 50s is more hard than 40s?
March 30, 2019
It is the first blog I like to write about 50s. I heard something not good, something excellent. What I like is to share my struggle, and my learning and my baby step wisdom how to make a better living in Vancouver area.
I am not in good personal finance situation. I stay as a single working programmer, and I start to live with hay fever second year, and then also sometimes I have to push myself to learn to make decision on data, force myself to discipline myself, live under my means, and also do personal finance analysis.
Meanwhile, I also start to learn to push myself to be a better programmer as well. I stay in the office full time, learn and work with young generation, and also I take some time to bring some good influence, and help business do better and healthy situation.
Introduction
It is the first blog I like to write about 50s. I heard something not good, something excellent. What I like is to share my struggle, and my learning and my baby step wisdom how to make a better living in Vancouver area.
My situation
I am not in good personal finance situation. I stay as a single working programmer, and I start to live with hay fever second year, and then also sometimes I have to push myself to learn to make decision on data, force myself to discipline myself, live under my means, and also do personal finance analysis.
Meanwhile, I also start to learn to push myself to be a better programmer as well. I stay in the office full time, learn and work with young generation, and also I take some time to bring some good influence, and help business do better and healthy situation.
Frugality is my new norm
Why do I like to learn more personal finance?
March 30, 2019
It is not easy to go for personal finance research. Sometimes I know that I need to read more articles, but my brain does not fully run if I learn from videos, books passively.
I have to face the reality. I have lived a life last 50 years as a single person. I do not have enough challenge job and task to work on. I find out that it is more difficult for me to work with myself in 50s.
I enjoyed the tennis sports in 40s. I enjoyed so many things in Vancouver area. But I did not challenge myself enough to make my work easy. The first 5 years, I did not have time to look into personal finance, investment and all other things.
Now I am in the 9th year on the same job. I know how much time a project will cost me in terms of hours at work, how many things I should spend time to learn, and how much impact can those work brings out.
Introduction
It is not easy to go for personal finance research. Sometimes I know that I need to read more articles, but my brain does not fully run if I learn from videos, books passively.
My situation
I have to face the reality. I have lived a life last 50 years as a single person. I do not have enough challenge job and task to work on. I find out that it is more difficult for me to work with myself in 50s.
I enjoyed the tennis sports in 40s. I enjoyed so many things in Vancouver area. But I did not challenge myself enough to make my work easy. The first 5 years, I did not have time to look into personal finance, investment and all other things.
Now I am in the 9th year on the same job. I know how much time a project will cost me in terms of hours at work, how many things I should spend time to learn, and how much impact can those work brings out.
JL Collins: "The Simple Path to Wealth" | Talks at Google
Here is the link.
He talked about Vanguard VATEX fund. How many and how often should he recommends to purchase?
He also answered the question what if all of us purchase index fund.
His answer is 25% of market is index fund.
4:04/ 57:44
Blog or book?
Blog
There is a brief review.
He talked about Vanguard VATEX fund. How many and how often should he recommends to purchase?
He also answered the question what if all of us purchase index fund.
His answer is 25% of market is index fund.
4:04/ 57:44
Blog or book?
Blog
There is a brief review.
Hongkong immigration office and letter
March 29, 2019
Introduction
It is the good news from Hong Kong Canada immigration office. The email is related to the medical examination which will expire this May 18, 2019. Can the applicant landed before May 18, 2019?
Introduction
It is the good news from Hong Kong Canada immigration office. The email is related to the medical examination which will expire this May 18, 2019. Can the applicant landed before May 18, 2019?
Friday, March 29, 2019
Learn from a younger coworker
March 29, 2019
Introduction
I like to write a story what I learn from my ex-coworker. Today is her last day. I like to write down a few things I learn from her.
Introduction
I like to write a story what I learn from my ex-coworker. Today is her last day. I like to write down a few things I learn from her.
How to master union find algorithms?
March 29, 2019
It is my short research. I like to master the union find algorithm, what I did is to solve as many union find algorithm on Leetcode.com, and also ask the algorithm in the mock interview on interviewing.io.
Today the interviewee worked on the algorithm, and also shared with me his experience. He told me that there are three implementations, check the website algs4.
April 3, 2019
I spent time to study code from weekly contest 112 Leetcode 947 stones removed. I learn a few implementation of union find algorithm. There are size of disjoint set, rank of set, and union API implementation. Here is my practice of Leetcode 947.
Introduction
It is my short research. I like to master the union find algorithm, what I did is to solve as many union find algorithm on Leetcode.com, and also ask the algorithm in the mock interview on interviewing.io.
100 hours work
Today the interviewee worked on the algorithm, and also shared with me his experience. He told me that there are three implementations, check the website algs4.
Top 50 players on weekly contest 112
April 3, 2019
I spent time to study code from weekly contest 112 Leetcode 947 stones removed. I learn a few implementation of union find algorithm. There are size of disjoint set, rank of set, and union API implementation. Here is my practice of Leetcode 947.
685 Redundant connection
March 29, 2019
It is a hard level algorithm. I wrote a solution based on code study written in Java, and then I pushed myself to learn the analysis by debugging the code with one of test cases.
I need to adopt some good hard working habit to work on Leetcode hard level algorithms. I already experienced all things related to code screen, onsite, and all other things. I also learn that I need to work on my personal finance research. It is important for me to adopt frugality and minimalism life style.
I have housing problem to solve, and also I need to push myself hard to stay on track to improve problem solving skills.
Introduction
It is a hard level algorithm. I wrote a solution based on code study written in Java, and then I pushed myself to learn the analysis by debugging the code with one of test cases.
Code study
I need to adopt some good hard working habit to work on Leetcode hard level algorithms. I already experienced all things related to code screen, onsite, and all other things. I also learn that I need to work on my personal finance research. It is important for me to adopt frugality and minimalism life style.
I have housing problem to solve, and also I need to push myself hard to stay on track to improve problem solving skills.
Union find algorithm
Here is the link of the algorithm.
I plan to spend time to work on this lecture note, and then write some C# code based on Java code as well.
I plan to spend time to work on this lecture note, and then write some C# code based on Java code as well.
Thursday, March 28, 2019
Oracle 裁员
Here is the link.
随着Oracle执行副总裁Don Johnson将一封标题为"组织重组"的电子邮件发送到员工手中，美国的国民养老机构、全球第二大软件公司Oracle的“血洗式”裁员正式开启。
根据加州相关法律，如果公司一次裁员规模超过50人，就必须提前60天通知政府部门。甲骨文公司最近提交给政府部门的文件显示，为调整公司的云计算业务，Oracle计划在美国加州地区裁减大约350人，其中红木市总部裁员255人，圣克拉拉办公室裁员97人。据悉，甲骨文还在谋划更大规模的人员裁减，北美地区预计将有5%-10%的Oracle员工失业。
随着Oracle执行副总裁Don Johnson将一封标题为"组织重组"的电子邮件发送到员工手中，美国的国民养老机构、全球第二大软件公司Oracle的“血洗式”裁员正式开启。
根据加州相关法律，如果公司一次裁员规模超过50人，就必须提前60天通知政府部门。甲骨文公司最近提交给政府部门的文件显示，为调整公司的云计算业务，Oracle计划在美国加州地区裁减大约350人，其中红木市总部裁员255人，圣克拉拉办公室裁员97人。据悉，甲骨文还在谋划更大规模的人员裁减，北美地区预计将有5%-10%的Oracle员工失业。
据Oracle员工爆料，公司要求被裁人员在收到裁员通知后，在30分钟之内归还工作电脑、内部文件等公司物品，员工卡被裁剪之后离开大楼，人事部门会在第二天正式终止他们的雇佣合同。
layoff上有内部员工爆料称，已经有大约350-500人被解雇，其中大部分是有12-15年工作经验的技术开发人员。他们被要求关掉手机，整理自己的个人物品也会被HR全程陪同，被辞退的员工都觉得十分震惊和难以置信。
老员工表示自己已经在Oracle工作了20多年，再过一段时间就要退休，公司为了省钱选择开除他然后在印度招了4个人代替他的工作。
还有公司内部员工怀疑此次裁员根本不是按照员工的工作能力选择裁员对象而是随机的，他们在layoff声称，一些对公司发展有贡献的老员工被裁，而刚刚入职的新员工反而被留了下来。
大家分析裁员的标准可能不是基于个人绩效，而是选择尽量辞退高薪员工，降低成本。
Oracle此次的裁员目的很明确，就是为了架构重组，任何部门都可能是这次裁员的目标。据悉，不仅非核心部门被裁，就连云计算业务的部分员工也被裁了。虽然Oracle在数据库市场上一骑绝尘、收入不菲，但发展前景已经逐渐暗淡。转型云计算虽然会对数据库业务产生冲击，但如果转型成功或许会有逆袭的可能。因此甲骨文公司决定裁掉部分员工、重组公司业务。
在公有云计算市场，AWS高居首位，紧随其后的是Google、Microsoft等公司，他们都拥有更完善的设备和解决方案，正在逐步垄断云计算市场。随着大数据以及云计算的飞速发展，Oracle意识到，再不发力未来的云计算市场就没有自己的立足之地了。
负责此次裁员的执行副总裁Don Johnson是前AWS员工，对云计算有着非常深入的了解。这次由他来主持组织重组可见Oralce已下定决心经转型云计算，同时也意味着曾经为Oralce立下汗马功劳的数据库业务风光不再，OCI业务将成为Oralce发展的重心，哪怕现在数据库业务依然是Oracle的摇钱树。
Java 是一门日趋成熟的语言，此次裁员的Oracle以及一线大厂基本都以Java语言为主，TIOBE 2018 年 12 月数据显示，Java 仍旧在所有语言中排名第一，短期内不会被取代。
花粉狂舞，温村过敏季教你如何平安渡劫
Here is the link.
温哥华最美的季节之一，百花盛开的春天已经开始了。
春天，也是一部分人最难受的季节：眼睛流泪、鼻子发痒，止不住的喷嚏， 欢迎来到一年一度的春天过敏季。
虽然春天迎来了绿叶繁花和温暖的天气，但对于某些人来说，也开启长达数个月的烦人症状。
健康专家表示 ，由于冬季持久，BC省今年的过敏季节可能比以往更糟糕。
提早服药
专家强调过敏季的开始，过敏症患者主动服用过敏药物非常重要。
伦敦毒品药剂师梁女士（Lily Liang）表示：“许多过敏患者在都会犯一个错误，都是等待出现过敏症状后才服用药物。”
“有些药物可能需要几周时间才能完全有效，因此理想情况下，过敏患者应该在过敏季节开始前两周就开始服药。”
梁女士表示，除了积极主动服用药物外，区分过敏和感冒症状对于正确治疗病情至关重要。
区分过敏和感冒
Insights West进行的一项新调查发现，十分之六的BC省人误认为季节性过敏症状为感冒，十分之四的人没有及早服用过敏药物。
由于感冒和过敏症状之间存在相似之处，可能耽误正确的治疗，以下就是区分两者的一些关键的方法。
专家指，经历季节性过敏的患者通常患有眼睛发痒和流鼻涕。 感冒的症状可能包括疼痛、喉咙痛，也许发烧和发冷，这些都不是典型的季节性过敏症。
症状持续多久也可以作为过敏或感冒的指标。
感冒通常只会持续一到两周左右，而季节性过敏则会持续更长时间的症状。
对于过敏，常见的治疗方法可能包括抗组胺药（antihistamines），减充血剂（decongestants），鼻窦冲洗剂，鼻腔喷雾剂或滴眼液。
花粉过敏自救措略
1.避开产生花粉的环境。春天最好少出门，干燥刮风的天气更要加强防护。若出门应穿长袖衣服，最好戴口罩，或头部罩一个白色透明纱巾。野外作业或外出春游，最好带些抗过敏药物，如息斯敏、扑尔敏、苯海拉明等。
6.外出乘坐汽车要关好门窗。在发达国家，很多汽车都装有花粉过滤装置。
7.选择不易产生过敏的时间、地点休假、旅游。春天外出散步，最好在雨后，这时不但空气清新，而且受花粉影响最小。
8.坚持健康的生活方式，保持乐观开朗的情绪，克服焦虑紧张，重视运动锻炼，以增强身体素质。养成良好的饮食习惯。
温哥华最美的季节之一，百花盛开的春天已经开始了。
春天，也是一部分人最难受的季节：眼睛流泪、鼻子发痒，止不住的喷嚏， 欢迎来到一年一度的春天过敏季。
虽然春天迎来了绿叶繁花和温暖的天气，但对于某些人来说，也开启长达数个月的烦人症状。
健康专家表示 ，由于冬季持久，BC省今年的过敏季节可能比以往更糟糕。
专门研究加拿大花粉和孢子鉴定研究的生物学研究实验室专家表示，由于经过长时间的延迟，现在空气中花粉的含量高于平时。
空气过敏原监测公司每天在加拿大各地收集花粉样本，该公司在维多利亚和温哥华的监测站目前正在录下非常高含量的雪松花粉 （cedar pollen）。
去年1月维多利亚和温哥华开始过敏季节，这两个城市都是加拿大一年过敏季最长的城市。
空气过敏原监测公司每天在加拿大各地收集花粉样本，该公司在维多利亚和温哥华的监测站目前正在录下非常高含量的雪松花粉 （cedar pollen）。
去年1月维多利亚和温哥华开始过敏季节，这两个城市都是加拿大一年过敏季最长的城市。
专家强调过敏季的开始，过敏症患者主动服用过敏药物非常重要。
伦敦毒品药剂师梁女士（Lily Liang）表示：“许多过敏患者在都会犯一个错误，都是等待出现过敏症状后才服用药物。”
“有些药物可能需要几周时间才能完全有效，因此理想情况下，过敏患者应该在过敏季节开始前两周就开始服药。”
梁女士表示，除了积极主动服用药物外，区分过敏和感冒症状对于正确治疗病情至关重要。
Insights West进行的一项新调查发现，十分之六的BC省人误认为季节性过敏症状为感冒，十分之四的人没有及早服用过敏药物。
由于感冒和过敏症状之间存在相似之处，可能耽误正确的治疗，以下就是区分两者的一些关键的方法。
专家指，经历季节性过敏的患者通常患有眼睛发痒和流鼻涕。 感冒的症状可能包括疼痛、喉咙痛，也许发烧和发冷，这些都不是典型的季节性过敏症。
症状持续多久也可以作为过敏或感冒的指标。
感冒通常只会持续一到两周左右，而季节性过敏则会持续更长时间的症状。
对于过敏，常见的治疗方法可能包括抗组胺药（antihistamines），减充血剂（decongestants），鼻窦冲洗剂，鼻腔喷雾剂或滴眼液。
1.避开产生花粉的环境。春天最好少出门，干燥刮风的天气更要加强防护。若出门应穿长袖衣服，最好戴口罩，或头部罩一个白色透明纱巾。野外作业或外出春游，最好带些抗过敏药物，如息斯敏、扑尔敏、苯海拉明等。
2.花粉多时关闭门窗，乡村早晨花粉最多，城市则常在傍晚最多。
3.保持居室空气湿润是消除花粉影响的最佳办法。
4.在阳光充足且刮风的天气里，最好把湿窗帘、门帘或湿纱网挂在门窗上，以防开窗时花粉进入室内。睡觉时应把外出时穿的外衣放在客厅或另外的房间。
3.保持居室空气湿润是消除花粉影响的最佳办法。
4.在阳光充足且刮风的天气里，最好把湿窗帘、门帘或湿纱网挂在门窗上，以防开窗时花粉进入室内。睡觉时应把外出时穿的外衣放在客厅或另外的房间。
5.外出回家后应及时洗手、洗头，减少花粉的影响。
6.外出乘坐汽车要关好门窗。在发达国家，很多汽车都装有花粉过滤装置。
7.选择不易产生过敏的时间、地点休假、旅游。春天外出散步，最好在雨后，这时不但空气清新，而且受花粉影响最小。
8.坚持健康的生活方式，保持乐观开朗的情绪，克服焦虑紧张，重视运动锻炼，以增强身体素质。养成良好的饮食习惯。
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