From January 2015, she started to practice leetcode questions; she trains herself to stay focus, develops "muscle" memory when she practices those questions one by one. 2015年初, Julia开始参与做Leetcode, 开通自己第一个博客. 刷Leet code的题目, 她看了很多的代码, 每个人那学一点, 也开通Github, 发表自己的代码, 尝试写自己的一些体会. She learns from her favorite sports – tennis, 10,000 serves practice builds up good memory for a great serve. Just keep going. Hard work beats talent when talent fails to work hard.
Sunday, April 28, 2019
Investing Insights: 3 Good Ideas for IRAs, Housing, and More
2:20/ 21:10
Schwab US Dividend Equity ETF SCHD *****
4:30/ 21:10
Vanguard Short-term infl-prot Secs ETF VTIP
4:53/ 21:10
Vanguard Inflation-Protected Secs Inv VIPSX
5:19/ 21:10
Loomis Sayles Bond Instl LSBDX ****
12:47/ 21:10
Vanguard total stock market ETF VTI
10,000, annual management fee $4, Expense ratio 0.04%
Active manager overcomes the fee to beat index fund.
Invest not on one basket.
IRA - US stock dividend 2% - you do not have to pay tax right away.
10 Year Annualized TR 16.17%, 4 years almost double the value.
14:57/ 21:10
iShares Edge MSCI Min Vol USA ETF USMV ****
16:10/ 21:10
iShare Edge MSCI Min Vol EAFE ETF EFAV ****
minimum volatility
17:48/ 21:10
Vanguard High Dividend Yield ETF VYM
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