Saturday, February 29, 2020

El-Erian weighs in on the stock market sell-off and why he believes the Fed will cut rates by March

Here is the link.

Markets plunged for the sixth consecutive day on Thursday, shaving over 1,100 points off the Dow. Mohamed El-Erian, Allianz Chief Economic Adviser, joined The Final Round to discuss his outlook for this market.

Allianz's El-Erian: Resist the inclination to buy the coronavirus-driven dip

Here is the link.

In February, Mohamed El-Erian, chief economic advisor at Allianz, said that he would advise resisting the temptation to buy the initial coronavirus dip. He joins "Squawk Box" by phone to discuss his position following Monday's market sell-off.

Coronavirus Impact A Global Market Crash

Here is the link.

Looking For Events and Buying Companies That Are on Sale- InvestED: The Rule #1 Podcast Ep.

Here is the podcast.

Why I'm Waiting for the Next Stock Market Crash | Phil Town

Here is the link.

Most of the time, successful investing is a waiting game. Just as there are poor times to sell your stocks, there are poor times to buy them as well, and sitting on money while you wait for a better opportunity is often one of the best investing decisions that you can make.

Ray Dalio - 24 months market crashes

Buffett has cash over 120 billion.

How to play bear market game in 2020?

Feb. 29, 2020


It is time for me to learn how to play bear market game. I have TFSA account with $65,000 dollars deposit from May 2019, and now I have to decide to continue to play the investment game. I need to learn when I am still young, 53 years old.

How to play bear market game?

Stay on the course. No one can predict high or low. I like to stay on course.

Every one is screaming to stay out of market. The bear market dipped twice in 2008 and 2009, one time is 20%, second time is 30%. I think that the market should drop more than twice, and more than 50%.

Friday, February 28, 2020

Is a Recession Coming? I React to Chris Hogan's Video | Phil Town

Here is the link.

The Ugly Truth Behind Stock Buybacks

Here is the article.

Now, I have some theories on why stock buybacks have gotten so out of control. Mostly, I think it’s because we’re in a period of massive technological disruption. New industries like cloud computing, electric cars, and streaming video are rapidly changing the world. But in my opinion, older companies like HP have been too slow to adapt, and rather than investing in research and development (or simply holding onto cash) the corporate boards of legacy businesses are bolstering stock prices the only way they know how: playing defense and buying back stock.

10 things you should know about portfolio performance

Here is the article.

The myths and realities of the S&P 500

Here is the podcast. I like to spend time to listen, so I can calm down and then watch the market continue to go down this Friday Feb. 29, 2020.

Understanding performance: The S&P 500 Index

Here is the article.

I think that it is better for me to read something. I can learn better to read articles, take notes, and write down my thoughts.

Learn About Bonds in a Stock Bear Market

Here is the article.

Thursday, February 27, 2020

7 Ways to Invest in a Bear Market

Here is the article.

Do This Now to Protect Against a 2020 Bear Market

Here is the article.

What if SPX loses 20% value in coming recession?

Feb. 27, 2020


It is my short research. I have to work on how to rebalance my TFSA account, if SPX continues to drop down the value.

20% drop in total

I will have no worry. I just put $13,000 dollars when SPX was 3300 in February 2020. I should have $2600 dollars loss in market change.

What if SPX loses 30% value in coming recession?

What if SPX loses 40% value in coming recession?

What if SPX loses 50% value in coming recession?

What if SPX loses 60% value in coming recession?

What if SPX loses 70% value in coming recession?

What if SPX loses 80% value in coming recession?

What if SPX loses 90% value in coming recession?

Feb. 27, 2020


It is hard for me to work on this topic. If SPX loses 90% in one year, two year or three years, then what should I work on my TFSA account?

TFSA account

I just set up my TFSA account and deposited $65,000 dollars. 50% is in equity fund, in other words, $33,000 dollars are in equity fund.

If SPX will lose 90% of value, then I should not rebalance when SPX drops 20% or 30%. I should wait more drop instead.

The idea is to reduce risk to lose more value in future uncertain market. 

Rebalancing in a Bear Market

Here is the article.

How To Adjust a Portfolio in a Bear or Bull Market

Here is the article.

The U.S. Stock Market is Down Big -- What Should Investors Do?

Here is the link.

As the coronavirus has continued to spread and the number of affected individuals continues to climb, the stock market has begun to feel the pain of uncertainty. There are legitimate concerns -- of safety, and health, and how a potential pandemic could impact individuals and companies across the globe. These kinds of shocks to the global economy often lead to huge drops in share prices for companies, and that can scare investors. But often panic selling during these periods of uncertainty can be a huge mistake. In this video, we talk about how the coronavirus might impact the economy and stocks, and: - What you should do during a stock market crash? - Which companies do well during hard times?

TFSA - Feb. 27 2020

Feb. 27, 2020


It is so interesting to learn that the stock market crashed quickly in less than one week. But I am ok, I still remembered that in Nov., 2019 my Victoria portfolio's performance was around $500 dollars. Now I just got the same market change because I invested another $13,000 dollars on equity fund when SPX is 3300.

TFSA - Make a mark

I like to remember the mark on Feb. 27, 2020.

How to understand US stock market?

Here is the article. 



Actionable Items

Google search using keywords: what is bad about buying back stocks, and then I like to read a few articles to understand the pros and cons related to this. 

Dow drops 1,100 points, continues fastest 10% drop in history

Here is the link.

MSFT -7.05%  158.18  -4.81%  1884.30
Alphabet class A -5.43%  1,314.95
Apple -6.54%  273.52

S&P posts biggest percent drop since August 2011

Dow's big swings

-128   Feb. 20
-227   Feb. 21
-1031 Feb. 24
-879   Feb. 25
-123   Feb. 26
-1191 Feb. 27

Lori Calvasina
RBC head of U.S. Equity strategy

Take my own notes:
Facebook 3.78%
Apple    6.54%
MSFT     7.05%
Amazon   4.81%
Netflix  1.99%
Oracle   2.44%
Cisco    5.03%
Nivdia   5.57%


MSFT stock Feb. 27, 2020

Feb. 27, 2020


It is biggest loss in one day for MSFT stock, more than 7%.

SPX Feb. 27 2020

Feb. 27, 2020


It is such a big loss on one day, 4.7%. I just could not believe that stock market has biggest correction in one day.

SPX index

Par 401 K Feb 27 2020


It is the third big day with loss more than 2% on SPX. I like to document my Par 401 K loss on Feb. 27, 2020.

Par 401 K

Key largo Feb. 27 2020

Feb. 27, 2020


I like to memorize the loss on stock market. I like to figure out what to do next, do not react, do not time the market.

Key largo portfolio

Tuesday, February 25, 2020

TFSA Two day market change $2400 dollars

Feb. 25, 2020


I just purchased another $13,000 dollars equity fund when SPX is around 3300, and last two days market change is negative $2400 dollars.

My TFSA account

I like to record my market change of last two days, TFSA account.

Feb. 12, 2020
Market change is $2985.91

Feb. 25, 2020
Unrealized gain $662.80

Par 401 K - February 25 2020

Feb. 25, 2020


I like to record my Par 401 K balance update. I like to spend some time to learn how to work on my asset allocation.

Feb 25 2020

It is the second day sell-off. I like to study the loss and see what I should do.

Feb. 24, 2020

Feb. 25, 2020

Remember Feb. 25 2020 - Key largo portfolio

Feb. 25, 2020


It is another day of sell-off. I like to record my loss of portfolio Key Largo.

Another sell-off

Here is the snapshot of my account on Feb. 25, 2020.

Monday, February 24, 2020

Par 401 K - remember Feb 24 2020

Feb. 24, 2020


It is the challenge job for me to learn how to invest my Par 401 K. I like to remember my short two year work experience to work for Siva and Par tech. I like to grow my finance IQ with my account.

Feb. 24, 2020

I just spent a few minutes to look into Charles Schwab's web page. I found this page by choosing a few configuration options.

Key largo portfolio - remember Feb 24 2020

Feb. 24, 2020


It is challenge for me to prepare for the bear market I like to record the loss today - Feb. 24, 2020, my USA retirement account IRA.

Feb 24 2020

It is a simple idea to copy the screen. I like to learn how to invest stock market.

Bear market research

Feb. 24, 2020


It takes me some time to learn about bear market. I came cross this article in Chinese, and I like to take some notes, and think about the arguments / statements about asset allocation.

Asset allocation


Be consistent!

Feb. 24, 2020


It is easy to say that do not get depressed. But in reality, I went through tough life in USA and Canada from 2001 to 2019. I sold all stocks I purchased and moved them to bank CD from 2001 to 2010, and never spend time to look into how to invest again. Those first 10 years in Canada from 2010 to 2019 are wasted and I did not learn how to invest at all. I like to write a topic called "be consistent!"

Be consistent

I like to compare two images with data. I will add the detail later.

Make millions as an investor

Feb. 24, 2020


I like to write a short research topic called how to make millions as an investor. Now it is 12:45 AM, I had two hour nap from 7:30 PM - 9:30 PM, and I need to go back to sleep in 10 minutes.

Make millions as an investor

I did case study on my mistake on investment on VIGRX from 2001 to 2002. I made a series of mistakes on other stocks like MSFT, Oracle and Intel as well, and other funds.

I like to read as many topics I can, learn how to make millions as an investor, if market goes up or down for a few cycles, next five or six years, before I turn 60 yrs old.

I like to live a frugal life. I drove 2001 Honda accord, less than 5000 KM a year. I do not spend money on clothes any more. I do not take vacation.

Recently I came cross the return of top 10 stocks from 2009 to 2019, those stocks are called 10-bagger stock to 60-bagger stock. I was so surprised that I do not hold any thing on stock market from 2010 to 2019. I did purchase a lot of technology stock just after 2001 Sept. 11 event. Here is the folder on

Actionable Items

I like to work on a case study, how Amtrust interest with over 5%, so I gave up my portfolio and moved my IRA to Amtrust bank IRA CD.

Also I did not study how to invest from 2001 to 2019, over 18 years.

8 miles morning run

Feb. 24, 2020


I went out with Chinese running group this morning 8:30 AM, and I had two hours run eight miles. I like to write something about my experience, as a runner, I spent two hours to go outside, and enjoyed my workout.

Strava app

I like to share my Strava app's workout record first.

Every mile I have a selfie

Every selfie keeps friends away. I got lost on the running trail, so I ran underneath another skytrain line.

My weight is 192 lb. I like to run 4 weeks, and I like to lose 10 lbs.

I came cross so many high-rise buildings, but I could not afford any one of them. I like to challenge myself, work hard and push myself to learn personal finance. Make millions in stock market.

First investment mistake - VIGRX can be over $10,000 dollars

Feb. 24, 2020


I did case study on my short investment from 2001 to 2002 on VIGRX, and the loss is over $10,000 dollars from my viewpoint in 2020. I like to be a millionaire, so it is so easy for me to figure out those investment mistakes from my 2001 portfolio, all those holdings I sold them in less than a few year, a few of them are over $5,000 dollars loss.

Case study

Here is my blogs related to VIGRX mutual fund.

How to Maintain Sibling Relationships

Here is the article.

Sunday, February 23, 2020

Case study: Design twitter

Feb. 23, 2020


It was my mock interview as a system design interviewer. I have to push myself hard to perform better as an interviewer. I had chance to interview an engineer with strong coding skills, since I am not sure how good he is in terms of system design, I also asked a coding question to double check. I like to write a short case study on this mock interview.

Case study

I will add more detail later.

Here is the link.

Actionable Items

The interviewee is Microsoft SDE II. I should learn from his performance. Good analysis and very good communication skills.

Case study: vertical traversal of binary tree

Feb. 23, 2020


It is my algorithm interview as an interviewer. I did my test to give two algorithms to test the interviewee, and I wish that I should prepare a tough algorithm as a second one in order to find weakness from the interviewee. I like to write a short case study on this one.

Case study

I will add more detail later.

Case study: rod of length - dynamic programming design challenge

Feb. 23, 2020


I got the chance to be interviewed on since I am a volunteer on the platform. I get one interview if I interview two people. So I like to write a short case study on my mock interview.

Case study

I was asked to solve rod of length problem. I will add more here later.

Here is the gist.

After tax Roth in-plan conversion

I search Google using keywords "After tax Roth in-plan conversion", and then here is the article.


1. What is a Roth 401(k)? A Roth 401(k) allows you to designate a percentage of your 401(k) retirement plan contributions as Roth contributions. Roth 401(k) contributions are considered optional and are made on an after-tax basis. Roth 401(k) accounts were designed to combine the benefits of saving in your tax-deferred workplace retirement plan with the advantage of avoiding taxes on your money when you withdraw it at retirement. Think of contributions to your VMware, Inc. 401(k) as having three separate “buckets”: pre-tax, Roth, and after-tax.

When you retire or leave VMware, Inc., earnings on your Roth contributions can be withdrawn tax free as long as it has been:

• Five tax years since your first Roth 401(k) contribution and
• You are at least 59½ years old.

In the event of death, beneficiaries may be able to receive distributions tax free if the deceased started making Roth contributions more than five tax years prior to the distribution. In the event of disability, your earnings can be withdrawn tax free if it has been five tax years from your first Roth 401(k) contribution.

Roth 401(k) contributions fall under the same IRS limits as pre-tax contributions to your Plan, so each dollar of a Roth contribution reduces the amount that can be contributed pre-tax (and vice versa).

• In 2019, the total combined IRS contribution limit for Roth 401(k) and/or traditional 401(k) pre-tax contributions is $19,000.
• If you are age 50 or older in the calendar year, you may make an additional catch-up contribution of $6,000 in 2019, bringing your total pre-tax and/or Roth 401(k) contribution to $25,000 for the year.

Saturday, February 22, 2020

If I want to retire early, where should I keep my money? | Afford Anything Podcast (Audio-Only)

Here is the link.

Roth vs. Traditional IRA & 401(k) for Early Retirement? | Afford Anything Podcast (Audio-Only)

Here is the link.

I love the podcast. It is so good to learn that ROTH IRA has $55,000 dollars upper-limit. And it is better to fill those accounts of ROTH-IRA first, and then invest 401 K account.

Design twitter - system design preparation

Feb. 22, 2020


It is important for me to push myself hard to improve performance as a system design interviewer. I got lowest rating recently, since the interviewee thought that he wasted time to be interviewed. I like to put together a showcase to share with interviewees, strong players, good players, and just so-so players. So I can share the list at the end of each system design interview.


I like to share the links in the following:

1. Strong player - I got rating as 1 out of 4 as an interviewer, here is his performance.
2. Strong player who works for
Here is the gist.
3. Very good player, Feb. 22, 2020, 10:00 AM. Here is the transcript. He is young graduate from university of Waterloo, Microsoft SDE II.

Long polling, the article link is here.

I am reading the book, Design large data intensive application. Recently I spent over a week to read book chapter related to data storage. If you like to learn more about my experience, continue to read.

If you like to learn more about LSM-Tree, please take a look my blog. I read book chapter of data storage, and then I spent over a week to read the book, but I could not understand it, so I did some research and found some good learning videos from Microsoft research. Here is the blog.

March 8, 2020
I like to ask system design API like Leetcode 355 Design twitter, my favorite discussion post is here.

March 8, 2020
Here is the article related to twitter design, and I use the content for me to evaluate the candidate for advanced web architecture. Topics like Trend topic and other things.

March 11, 2020 10:10 PM reading the design here.

March 22, 2020
showcase is here.

Friday, February 21, 2020

Expert Tips for Achieving Proper Running Form from Head to Toe

I got the article from the running club coach. Here is the link.

Efficient Portfolio Frontier - Financial Markets by Yale University #21

Here is the link.

Fee-Only Fiduciary

Here is the article.


Most investors are not aware of a critical division of professionals in the world of financial services. This distinction lies between fee-only fiduciaries who are obligated to act in your best interest and commission-based agents and brokers who are required to act in the best interest of the companies that employ them. Even when people have some inkling about the differences, several important misconceptions continue about both the nature of the problem and an adequate solution.

The Efficient Frontier

Here is the article.

My favorite reading is to talk about 2008 bear market with 42% loss of SPX.

Consider the year starting in October 2008. The S&P 500 went from 1,166.36 to 1,057.08, down 9%. For the year, losing 9% seems like a relatively reasonable loss. But the roller-coaster ride bottomed out at 682.55 before recovering. Had you asked investors if they were willing to lose 42% and then from that point gain 55% (as measured from the new low), they might have balked at the volatility.
This is why time horizon matters. There is a reversion to the mean return, but it requires a long enough investment period to revert. Volatility in the long term is much less of an issue than it is in the short term.

Asset allocation and the efficient frontier

Here is the link.

I like the example in the article, the explanation is very good for me to understand how to build efficient portfolio and reduce volatility.

Many investors don't appreciate asset allocation or understand intuitively how a diversified portfolio can exceed the sum of its parts. After all, the capital asset pricing model (CAPM) suggests that return follows risk, and therefore you can't increase return and reduce risk at the same time. But CAPM is just a straight-line projection. And at the efficient frontier, the math produces nothing but curves.
The efficiency of an investment is measured by the greatest return for the lowest volatility. Blending a portfolio allocation can make it even more efficient by either boosting returns or lowering volatility.
To understand the math behind blended returns, let's start with a simple case of two investment choices and two years. Investment A goes up 30% the first year and 0% the second year. Investment B goes up 0% the first year and 30% the second year. If you invest in either A or B, you get a 30% return over two years. Your average volatility is 15%.

It seems no matter how you mix these two investments, you can't get more than a 30% return over two years. But you can. And you can lower your volatility as well.
Today In: Investing
Imagine a blended portfolio of half invested in A and half invested in B. The first year you would experience a 15% return, and the second year a 15% return. Your volatility would be 0%. Lower volatility means a more efficient portfolio.
You would have both lower volatility and higher returns. Compounding returns would produce a total return over the two years of 32.5%. You experience a higher return because after half of your portfolio invested in A grows by 30% the first year, you rebalance your portfolio. So half of the growth from investment A is rebalanced and put into investment B. Half the growth would experience another 30% growth the second year when investment B did better. Thus your total return for the two years would be 32.5%.

Actionable Items

Diversification is free lunch to reduce volatility. The example is given in MIT course 16. Portfolio management. Here is the link. The talk is from 48:00.

Diversification and free lunch, do not forget to rebalance.
Given two assets, A, B, I took notes, see my blog. Here is the link.

Efficient Portfolio Frontier

Here is the link.

capital market line and sharpe ratio in excel

Here is the link.

Graphing the efficient frontier for a two-stock portfolio in Excel

Here is the link.

It is easy to follow and learn how to calculate the efficient frontier for AT & T and Best buy.

I will try it once later on.

Thursday, February 20, 2020

Unshakeable Summary: 10 Best Lessons from Tony Robbins

Here is the article.

Best Books for Beginner Investors (5 MUST-READS)

Here is the link.

Five books:
  1. Unshakable
  2. The little book of Common sense of investment - John Bogle


Unshakable - easy to digest

Chapter II: 7 freedom facts

Freedom fact #4
The stock market rises over time, despite many short-term setbacks

Wednesday, February 19, 2020

6個讓你保持巔峰的方法!【一流的人如何保持巔峰 書評】下集

Here is the link.

Peak performance state: THE RISE OF SUPERMAN by Steven Kotler

Here is the link.

6個讓你保持巔峰的方法!【一流的人如何保持巔峰 書評】-上集

Here is the link.

5 Strength & Conditioning Exercises For Runners | Simple S&C Exercises For Beginner Athletes

Here is the link.

What Is Core Strength & How To Improve It

Here is the link.

10-bagger stock to 60-bagger stock

Feb. 19, 2020


Knowledge is power. I came cross the blog about last 10 years investment return on those stocks, Amazon, Microsoft, Netflix, Apple, Visa. I like to write down some thoughts and see how I can push myself to learn more about business and investment.

10-bagger to 60-bagger stocks

Here is the article.

过年十年,以Facebook、亚马逊、奈飞、谷歌、微软及苹果为代表的信息技术公司涨幅均接近10倍或以上,其中奈飞、亚马逊及苹果涨幅高达60倍、28倍及26倍,信息技术板块涨幅也高达700%。科技巨头在互联网时代展现了极强竞争力,苹果、微软、谷歌利用强大的技术能力搭建互联网底层设施,例如iPhone/iOS、Google Search/Android及Windows/Office,三者已成为不可或缺的互联网底层平台,而亚马逊、Facebook及奈飞则在应用层面利用先发优势和规模效应收割全球流量,并通过持续的投资并购加深壁垒。另一方面,大额回购也是科技巨头持续跑赢指数的关键所在。受减税政策影响,2018年美股回购金额高达8000亿美元,创历史新高,2019年全年预计仍保持在7000亿美元。科技巨头回购数额尤为巨大,3Q19科技公司占据回购金额TOP10中的5席。以苹果为例,2018年苹果宣布千亿美元回购计划,自此苹果屡次取得美股季度回购金额第一,占据历史季度回购金额TOP15中的10席。除苹果外,微软、谷歌、Facebook均授权并已执行数百亿美元的回购计划,支撑并推动公司股价上涨。展望2020,随着减税影响褪去,科技股回购预计仍将保持高位,但边际动能有所衰竭,或难以再创18年新高。

Top 10 companies

I like to read more carefully.


Last 10 years, Facebook, Amazon, Netflix, Google, Microsoft and Apple's average have close to 10 times more. 

60 times - Netflix
28 times - Amazon
26 times - Apple
10 times - Microsoft

700% information sector 

Karen Finerman on: Finerman's Rules & Financial Smarts

Here is the link.

Karen Finerman’s Strategies for Life

Here is the link.

All About Risk, with Karen Finerman

Here is the link.

As a hedge fund manager and “The Chairwoman” on CNBC’s Fast Money, Karen Finerman knows a thing or two about taking risks. In this episode, Karen speaks candidly about her career, mistakes she’s made, and how she knew at age 15 that she wanted to be a risk arbitrageur.


Here is the link.

Be your own sugar daddy

Feb. 19, 2020


US open champion Stephens Sloan posted on Instagram on Feb. 19, 2020 wearing t-shirt "Be your own sugar daddy". I like to work on a short research how I can be my own sugar daddy in 2020.

My own sugar daddy

How should I think about this statement?

I still remembered that I made mistakes back in 2009, I wasted time and was a victim of wishful thinking. I should have invested time to learn personal finance, and economy, recession and how to build wealth.

If I work hard back in 2009, then I will stay put and leave my par 401 K and IRA portfolio staying with I should have grown those $26,000 dollars with S & P 500 index.


Feb. 23, 2020 11:48 PM
I like to continue to work on this topic. I made so many mistakes in my investment starting from 2001. The first one related to VIGRX costed me over $10,000 dollars. I shared my mistake on wechat group recently.

Here is my post.

Tuesday, February 18, 2020

Dynamic Warm Ups

Here is the link.

Case study: Vertically traverse binary tree

Feb. 18, 2020


It is my mock interview as an interviewer. I met a manager from FANG company (Facebook, Apple, Netflix, Google), and then I learned surprising a good idea how to write optimal solution for the algorithm. I like to write a short case study on this interview.

Case study

I will add more detail later.

Here is the gist.

Case study: design twitter

Feb. 18, 2020


It is tough for me to be a system design interviewer. I could not probe the depth of technology as an interviewer, and I got lowest rating the first time. I like to do a short case study on this interview.

Case study

I will add more detail later.

Interviewee feedback

Interviewer feedback

First training 6 * 800 m

Feb. 18, 2020


It is my first training day. I went to the training with other members, and we had to run six of 800 meters. I went to burnaby central middle school around 7:15 PM, and left 8:45pm. I like to write a short report about the training.


I got there early, so I ran 800 meters first to warmup. It was cold. And then I met the group.

We decided to warm up to run 2 km first. So I ran 2 km with others. And then we did some lunges together, warmup together.

And we started to run 6 of 800 m. Every 800 meters 3 minutes break.

I did not have wifi on my cellular phone, so I could not record my running using strava. I only recorded the warmup.

It is so much fun to run with so many people. I start to love running. The coach ran with me last circle, and he asked me how many circles I completed. I told him that I lost track. Actually in-between I took two bathroom break. He told me that I should record each 800 m time, so I can push myself to improve performance.

Monday, February 17, 2020

Understanding 48 minutes 5K

Feb. 17, 2020


It is time for me to learn a new sports called 5K running. What I like to do is to join the running camp, and also learn from Chinese coach who is working on his Boston marathon training. Compared to 40 miles to run in Boston marathon, 5K training is much short distance. Vancouver is such great place to meet so many talent people and then I can quickly leverage their knowledge and wisdom to work on my new sports - running 5K in 2020.

Understanding 48 minutes 5K 

I just pushed myself to run 5000 meters, 3 miles. I did spend 48 minutes, and I just quickly looked up, and a lady worked in IBM in her 72 years old can complete in 35 minutes.

I like the discipline of running 5K. The coach told me that it is not good to walk, keep running. It is a mental game. I just could not believe that I was such a person who could do things surprising myself. I like to be a runner.

Karen Finerman: Secret Rules for Business and Life

Here is 22 minutes podcast.

Metropolitan Capital CEO Karen Finerman is a best-selling author and a CNBC panelist. Finding vast success in the male-dominated hedge fund world, she reveals how she's managed hundreds of millions of dollars while raising two sets of twins.

Karen Finerman: How Women Can Best Navigate The Workplace

Here is the article.

What are your top three career advice tips?
1.  Know that you will fail at some point, but learn from it. The lessons from that failure will be extremely valuable.
2.  Be flexible: Expect to change paths or industries at least once.
3.  Sometimes you have to go backward before you can go forward. The road is never straight and it isn't always in the same direction.

Purseonality Profile: Karen Finerman

Here is the article.

According to Sources Podcast | "Merger Masters" Series: Karen Finerman of Metropolitan Capital

Here is the link.

I like to spend time to listen the whole podcast over 40 minutes.


Woman in wall street

Karen Finerman Keynote part 2 of 2

Here is the link.

I like to train myself to take better hand-writing notes.

No shame to say that I cannot afford to buy something. IPhone may be out of style. But having your own money, never go out of style.

Karen Finerman Keynote part 1 of 2

Here is the link.

Karen Finerman, co-founder and CEO of Metropolitan Capital Advisors, Inc. and "The Chairwoman" on CNBC's Fast Money, speaks at JWI's financial literacy event for mothers and teens in New York City.

Book recommended: investment for dummys

Why I need more disciplined sports?

Feb. 17, 2020


I had my first 5 K run since I joined a Chinese running train group, and the coaches like us to take 5 K test. As a tennis player, I found out that I could not run as people in running group. I like to write a short research how important it is to get through those running training and get back to my fitness.

Running group

I joined the group with runners, those are with more running experience. I had some difficult to discipline myself to run 5 K and non-stop. The coach ran with me last 2500 meters, and he told me that last half is mental game. I should let myself to run as I can. Every one in the training told me to work hard using Chinese, "加油"。

I can play tennis more than two hours. But running nonstop for 48 minutes is the first time and I knew how hard it is for me as a 53 years old, weight 192 lb today. I do not have to carry so many weight, and I am glad to choose running as my sports. I like to stay fit and one thing I can do is to learn the new sports, and meet those people with different mindset.

The strategy behind networking with Sallie Krawcheck and Varsha Rao | Fortune

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A finance pioneer-turned-entrepreneur and a new-economy star share their lessons on networks, entrepreneurism and building their careers. Karen Finerman, panelist of CNBC Fast Money speaks with Sallie Krawcheck of Ellevate and Varsha Rao of Airbnb.

Karen and Sallie are my favorite people and I like to watch their talk and learn something in 2020. I do think that networking is so important for me since I like to continue to work as a software programmer.

Career Advice from a Woman Who Ruled Wall Street | Sallie Krawcheck

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I like to review the video and share with my Chinese wechat group.

Net worth of Sallie Krawcheck is around $17.2 billion.

Nike Run Club Warm-Up

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The Perfect Warm-up and Cool Down for a 5K or 10K Race - Part 4 (Runtastic & RUN 10 FEED 10)

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Knee Pain When Running? | How To Avoid Runner's Knee

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My first 5K run in New Westminster

Feb. 17, 2020


It is the first test run for Chinese iRun group. We had to take the run test and this was the first time in my life that I ran 5K nonstop.

First 5K run

The coach ran with last 5 circles with me since I am the last one in terms of speed. All team members told me work hard when they passed me, the fastest one passed me more than 4 times. The best one finished 5 K run with 24 minutes. My record is 48 minutes 30 seconds.

I learn the importance to warm up, and also how to push myself to limit. Do not stop. Last 4 ciricles are mental game. I just needed to run and do not think about stopping.

After I finally completed 5K, in less than 5 minutes, I felt normal and did not feel anything stressed.

I love running. With good coaches, I will definitely continue to train myself. My next run is Feb. 18, 7:30 PM, another 5 K run.

It is simple. I just need to push myself keep running 50 minutes. That is all.

Sunday, February 16, 2020

5 MUST KNOW Tips to Start Running (BEGINNER TIPS!)

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5 Running Tips for Beginners 🏃 5 Things I Wish I Knew about Running from the Beginning

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Pace and motivation

average pace - burn in your lungs - slow down, try to breathe
slow down, take notice how fast you move
how far you can go instead
My body tells me that I cannot run
Me tell my body who is in charge.

How To Run Longer Distances

Here is the link.

  1. Increase distance or intensity
  2. Patient - brick - lay brick, 
  3. Efficiency - 

How To Instantly Run 3x Longer On Your Next Run

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Running Form: Correct Technique and Tips to Avoid Injury

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HOW TO GET A 5K PB | Run A Faster 5k With These Speed Workouts

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Athletic drills

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Burnaby central middle school - two hours workout

Feb. 16, 2020


I will take a running test 5 KM on Feb. 17, 2020 9:00 AM, so I went out to Burnaby central middle school to prepare for my test.

My workout

It is the first visit of the running court. I like the place and spent over two hours to prepare for my tomorrow's test.

Case study: vertical traverse of binary tree algorithm

Feb. 16, 2020


It was my 10:00 AM mock interview. I wrote down the algorithm and then asked the interviewee worked on the algorithm, and I would go back to home in 10 minutes. I like to document my mock interview and the interviewee's super good performance.

Case study

I will add more detail later.

Here is the link.

Deer lake theater 9:00 AM meetup

Feb. 16, 2020


It is my frugal life. I chose to join a Chinese running group, and then we met at 9:00 AM after 30 minutes running.

Deer lake theater

I had good time to enjoy so many things in the theater. I had wi-fi, and I took pictures with coming show posts.

I like to share my photos, and remind myself to go out and meet more people.

Deer lake Feb. 15 8:30 AM running around the lake

Feb. 16, 2020


It is my first run to join Vancouver Chinese running group on wechat. I like to write a short blog and document my experience.

30 minutes running

We met at 8:15 AM, and then 15 minutes warmup. Since it was raining, we only ran 30 minutes and then met together in the theater to celebrate Valentine's day.

Google Systems Design Interview With An Ex-Googler

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Design a code-deployment system

1. Building code
2. Deploying code

- 5 - 10 regions,
- hundreds of thousands machines
internal system,
- 2 -3 nines
- 30 mins entire deploy
- 1000s deploys/ day
- 10 GB per binary

如果活到80歲 怎樣才能越老越有錢又快樂?『金錢超思考』 | 夯翻鼠看書31

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Jonathon Clements

Saturday, February 15, 2020

The 7 BIGGEST Mistakes Made By New Runners | Common Running Mistakes

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Are you new to running in 2020? Not sure where to start? Here are our top 7 biggest mistakes made by new runners. We made the mistakes for you so that hopefully you can avoid them!

How To Start Running When You're Overweight

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Here's how to start running when you're overweight. Losing weight can feel extremely daunting as a task, and as such keeps even the most strong-willed people from getting started. While it may feel too intimidating to walk into a gym without a plan or self-confidence, it's never too early to simply start moving. Coach Holly breaks down her best tips for getting started safely and making it stick. Consider this the start of an awesome journey!


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Ray Dalio all weather portfolio


Algorithms behind Modern Storage Systems

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这个视频主要是关于查理 芒格 (Charlie Munger)的《穷查理宝典》,查理 芒格是巴菲特的合伙人。巴菲特(Warren Buffett)这么评价查理 芒格:查理拓展了我的视野,让我以非同寻常的速度从猩猩进化到人类,没有查理,我会比现在贫穷得多。比尔 盖茨(Bill Gates)也认为,如果没有查理芒格的辅佐,巴菲特恐怕很难做得这么好。

William Ackman: Everything You Need to Know About Finance and Investing in Under an Hour | Big Think

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It is best one hour lesson to take. I like to take more notes later on. The lecturer is a harvard graduate, and a billionaire hedge fund manager.

I also like to take some time to think about how he presents the information. The way he put together the slides, and topics he covers.

I watched the video first time in 2019, at that time, I had not went back to the stock market. I was totally naive and no idea who is the lecturer.

How to evaluate risk?

12:17/ 43:56


Comes in man forms:

  • Preferred equity
  • Common equity
  • Options
Only has a residual claim

Can only collect on its claim ...

13:07/ 43:56

Assessing risk

Investment risk:
The probability of the permanent loss of capital

The riskier the business, the higher the rate of return demanded

Government bonds:

  1. The lower risk investment
  2. Issued as 10, 5, and 3 year debt
  3. Earn a 3% return on 10 year debt
25:00/ 43:56

How to be a successful investor?

  • Don't invest in startups
  • Invest in public companies
  • Understand how the company makes money
  • Invest at a reasonable price
  • Invest in a company that could last forever

What can you own forever? 

For example, 
Coco cola - easy to understand
McDonald's - 50 years - royality

Find a business that: 
  • You understand
  • Has a record of success
  • Makes an attractive profit
  • Can grow over time
Businesses that last:
  • Sell a product people need
  • Sell a unique product
  • Elicit brand loyalty consumers are willing to pay for

Keys to successful investing:

  1. Invest in public companies
  2. Understand how the company makes money
  3. Invest at a reasonable price
  4. Invest in a company that could last forever
  5. Find a company with limited debt
  6. Look for high barriers to entry
  7. Invest in a company immune to extrinsic factors
  8. Invest in the company less reinvestment costs
36:34/ 43:56
How to withstand market volatility:
  1. BE financially secure
  2. Don't get spooked by short-termed fluctuations
  3. Do your own work
  4. Invest at a reasonable price
39:59/ 43:56
A good money manager:
  1. Can easily explain investment strategy
  2. Has a good reputation
  3. Has value approach
  4. Has a successful track record of at least 5 years
  5. Has a consistent approach 
  6. Invest own money in the fund

Jack Zenger-Strengths Based Leadership

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Growth Comes From Moments of Being Uncomfortable - Jack Zenger @LEAD Presented By

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84 years old Jack Zenger gave the talk. I like to spend 20 minutes to watch the video, and spend time to look into my life from 1996 to 2019.

Myth #1

Myth #2 We are the product of our past

Same family friend met with the man's brother to talk about his life.
"My Father was an alcoholic, and I saw what that did the family. I have no other choice but to work hard and be successful."

Myth #3 People do not change


  1. Focus on strength
  2. Resist playing "victim"
  3. Believe in change
  4. Make yourself uncomfortable

Growth Comes From Moments of Being Uncomfortable - Jack Zenger @LEAD Presented By

Here is the link.

John H. “Jack” Zenger is the co-founder and chief executive officer of Zenger Folkman, a professional services firm providing consulting, leadership development programs and implementation software for organizational effectiveness initiatives. Jack is considered a world expert in the field of leadership development, and is a highly respected and sought after speaker, consultant and executive coach. He is the co-author of five books on leadership, Results-Based Leadership, (Harvard Business School Press, 1999) voted by the Society for Human Resource Management (SHRM) as the Best Business Book in the year 2000, the best selling The Extraordinary Leader: Turning Good Managers into Great Leaders (McGraw-Hill, 2002), Handbook for Leaders (McGraw-Hill 2004), The Inspiring Leader: Unlocking the Secrets of How Extraordinary Leaders Motivate (McGraw-Hill 2009) and The Extraordinary Coach: How the Best Leaders Help Others Grow (McGraw-Hill 2010).

9 Habits That Lead to Terrible Decisions

Here is the article.

I like to take some time to read the content and then write down my own notes.


This showed up as a failure to check facts, to take the initiative, to confirm assumptions, or to gather additional input.

Basically, such people were perceived to be sloppy in their work and unwilling to put themselves out. They relied on past experience and expected results simply to be an extrapolation of the past.

Not anticipating unexpected events

It is discouraging to consistently consider the possibility of negative events in our lives, and so most people assume the worst will not happen.

Unfortunately, bad things happen fairly often. But many people just get so excited about a decision they are making that they never take the time to do that simple due-diligence.


Those paralyzed by fear are the ones who believe that one mistake will ruin their careers and so avoid any risk at all.

Remaining locked in the past

Poor decision makers fail to keep those base assumptions in mind when applying the tried and true. 

Having no strategic alignment

A clear strategy - what is it? Look up google.


Effective decision makers find a way to act independently when necessary.


Networking skills

Lack of technical depth

Failure to communicate the what, where, when, and how associated with decisions

A Historical Look at a 50/50 Portfolio

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My Valentine day

Feb. 15, 2020


I am a single person and 53 years old. I used to have problems to plan what to do in holidays and also Valentine day. What should I do in order to build wealth and grow rich in Valentine day?

Valentine day

I spent over 14 years in Florida and then 10 years in Canada. How should I give myself good learning opportunities in life?

I found out that I did not spend time to learn how to invest from 1999 to 2019. Over 20 years being a single, I should have demonstrated good determination to learn something, so people in my community respect me more.

Being frugal

I did big surprise after Chinese new year break, I brought some plant into the office and showed that I am so frugal. So people will trust me that I will not waste time and money, I am working hard to push myself, help business and myself to next level.