Introduction
It is my personal coding blog, I choose not to set up advertisement on my blog. I know that my blog is to serve myself as a mediocre researcher, below average. I just follow my tennis sport coaching advice, journal your practice, widely popular in sports training. And then I found a big surprise of benefits of blogging recently, in the fifth year of blogging.
2017 second hand mobile phone purchase
I did not relearn how to invest again until 2019. Here is the blog I wrote and shared with my wechat group we attended SJTU from 1984 to 1988.
I did invest my IRA and 401 K from 1999 to 2009 in stock market, but I did not learn the basics. After I got my Canadian immigration case was denied, I went into self-doubt and then decided to close all my accounts with brokage company, and moved the fund to Amtrust CD account.
From 2009 to 2018, I did not spend time to learn anything about stock market at all. I turned 52 years old in Nov. 2018, but I could not get a high paid job as a software programmer. I need to be a problem solver, I decide to move on to personal finance research.
Actionable items:
1. I like to work on research how many biases I have, and how many things I should relearn.
Learn to invest and take risk is just one of things I found out in 2019.
2. Review year 2001, after my first laidoff, with $110,000 US dollars net income from my short three year full time work. How many things did I do wrong? How many good things I learned from the lesson?
3. Why do I not have ambitious to be a millionaire back from 1998 to 2001? Do I have some research on personal finance from 2001 to 2010?
4. I had lot of timet to study and work on some research from 2001 to 2010. I was not patient and stubborn. What is the cause?
5. Why I push myself so hard to write blogs every day? What motivates me to continue?
Life is so tough. I remembered the feeling I stayed at hotel in pullman in redwood city this August 18, August 19. I just could not believe that I fell in love with a suite and I definitely like to own a home in Canada.
I work so hard, why I cannot own the home with my own saving. I even could not afford the down payment after working full time 10 years.
If I know the status 10 years ahead, Nov. 2018, I was so depressed on tennis court and did not know what to do. What should I plan to work on starting from June 2010.
Every day I should study personal finance, stock market, I will be a frugal person. No vacation, no clothing purchase, no more car maintenance, take public transit. I will track down every dollar I spent, is it my need or my want. Should I pay the bill or not? Can I argue to take alternative?
I will examine all my social connections, relatives, put everything under consideration. Should I study by myself or spend time to socialize, I will ask myself why?
Follow up
Jan. 2, 2019It takes me 5 years to figure out what I need in order to be successful as an immigrant, and also as a software programmer, a problem solver. I need to learn the basics of personal finance, investment on stock market, real estate. I need to learn how to manage my time, so that I can have more time to take some courses from MIT open courseware to learn portfolio management, and I can watch more videos and learn ideas how to manage money, being frugal.
Life is tough. I do not come out the idea what to work on to get most of output. I do think that a best blog should not show so many ads to distract users. Sometimes ads by Google can show up anywhere, it is so disturbing. I like to treat my readers better.
So far, there are not so many readers to get back to me and share with me their reading experience.
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