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.
Donald Trump’s return as U.S. president for the second time on Wednesday boosted equity markets on bets of lower corporate tax, favorable tariffs and deregulation, lifting the shares of banks, locally focused small-cap companies and Trump Media.
The S&P 500 and the Dow were set to open at record levels, while futures tied to the small-cap Russell 2000 index surged 6%.
“The market believes a Trump presidency will unleash animal spirits and give a boost to growth in the short-term through some relief on corporate taxes and deregulation,” said Frédérique Carrier, head of investment strategy for RBC Wealth Management in the British Isles and Asia.
The shares have nearly tripled in value from their all-time lows in late September, and his stake was last worth about $5.4 billion. The company’s nearly $9 billion stock market value is detached from its day-to-day business, analysts said.
Trump’s Republican Party also secured the Senate and was making gains in the House of Representatives, potentially making it easier for the president to legislate his proposals and push through key appointments.
Markets “have priced in a pretty strong mandate for the Republicans and are biasing toward most of the Trump trades,” said Scott Chronert, U.S. equity strategist at Citi.
“Policy details will be important for here as the market focus seems to be putting more emphasis on deregulation, tax cuts, and a more business-friendly backdrop.”
Wall Street lenders JPMorgan Chase, Bank of America and Goldman Sachs jumped between 7% and 9% on prospects that improved domestic investment and looser regulations would spur deals.Donald Trump’s return as U.S. president for the second time on Wednesday boosted equity markets on bets of lower corporate tax, favorable tariffs and deregulation, lifting the shares of banks, locally focused small-cap companies and Trump Media.
) CEO Elon Musk head of a government efficiency commission after the billionaire backed Trump throughout his electoral campaign led to a 12.6% surge in the shares of the electric automaker.
The S&P 500 and the Dow were set to open at record levels, while futures tied to the small-cap Russell 2000 index surged 6%.
“The market believes a Trump presidency will unleash animal spirits and give a boost to growth in the short-term through some relief on corporate taxes and deregulation,” said Frédérique Carrier, head of investment strategy for RBC Wealth Management in the British Isles and Asia.
), in which Trump owns a majority stake, soared nearly 37% as investors overlooked the company’s latest quarterly results that showed the Truth social parent’s revenue was just $1 million.
The shares have nearly tripled in value from their all-time lows in late September, and his stake was last worth about $5.4 billion. The company’s nearly $9 billion stock market value is detached from its day-to-day business, analysts said.
Trump’s Republican Party also secured the Senate and was making gains in the House of Representatives, potentially making it easier for the president to legislate his proposals and push through key appointments.
Markets “have priced in a pretty strong mandate for the Republicans and are biasing toward most of the Trump trades,” said Scott Chronert, U.S. equity strategist at Citi.
“Policy details will be important for here as the market focus seems to be putting more emphasis on deregulation, tax cuts, and a more business-friendly backdrop.”
Wall Street lenders JPMorgan Chase, Bank of America and Goldman Sachs jumped between 7% and 9% on prospects that improved domestic investment and looser regulations would spur deals.
Victory for Trump, who has positioned himself as pro-cryptocurrency, lifted bitcoin to a record high. Crypto-linked stocks Coinbase, MicroStrategy, Riot Platforms, MARA Holdings jumped between 10% and 12%.
Private prison operators Geo Group and CoreCivic jumped 20% and 22%, respectively, as Trump’s promised crack down on illegal immigration could boost demand for detention centers.
Elsewhere, European defense stocks jumped against the backdrop of Trump’s earlier threat to withdraw from NATO, saying he would not defend allies that did not raise defense budgets.
“A Trump presidency would add further impetus to accelerate European defense spending, as evidenced by his first term in 2017-21,” Berenberg analysts said.
AUTOS, ENERGY AND CHINA
While Tesla shares surged on Musk-Trump proximity, stocks of other electric automakers dipped as Trump had said he would consider ending a $7,500 tax credit for EV purchases.
Rivian Automotive dropped 2.6% and Nikola slipped about 1.6%.
“Nobody is making money in EVs aside from Tesla, so the reduction or elimination of EV credits will widen Tesla’s competitive moat,” said Garrett Nelson, senior equity analyst at CFRA Research.
Shares of U.S. automakers Ford and General Motors were up 3.3% and 1.5%, respectively.
Oil majors Chevron and Exxon Mobil firmed about 2% each, while U.S. renewable energy companies such as NextEra Energy and First Solar plunged 6% and 14%, respectively.
Trump’s presidential campaign laid out an energy policy platform centered around maximizing U.S. fuel and power output, in part by dismantling the current administration’s centerpiece efforts to fight climate change.
Fears of escalation in Sino-U.S. tensions pressured U.S.-listed China shares with iShares MSCI China ETF dropping nearly 3%.
Import duties, including a 10% universal tariff on imports from all foreign countries and a 60% tariff on imports from China, are a key plank of Trump’s policies and likely to have the biggest global impact.
After the company’s collapse during the 2008 recession, Citi’s stock has continuously struggled. Shares of the company saw more than a 30% drop over the last 5 years. In 2021, CEO Jane Fraser announced a bold shift in the company strategy, exiting 14 consumer markets outside of the U.S. and instead doubling down on wealth management. It’s a tactical move that several other major banks like Bank of America and Wells Fargo have adopted in recent years. So will Citi’s bet pay off and can the company return to its former glory?
Chapters:
00:00 — Introduction
01:37 — New direction
04:35 — Rise and fall
07:23 — Revenue streams
In 2011 (dubbed “The Year of the Hack”), the third-largest bank by assets at the time, Citigroup Inc, suffered a major attack by hackers. By sheer size and vast amount of wealth, Citigroup was an attractive target for hackers.
The Breach:
Sometimes the biggest hacks are the simplest, as was in the case of the Citigroup data breach. Using Citigroup’s customer website as a point of entry to get past traditional security defenses and to impersonate credit card holders, a group of sophisticated hackers broke into the bank’s vault of data and financial information—navigating for months before being detected.
The witty thieves involved in the Citibank hack leapfrogged between the bank accounts of various Citi customers by inserting different account numbers into the string of text found in the browser's address bar. The hackers wrote code that would repeat this process several hundreds of thousands of times which was the primary method of data collection. By hacking standards, this was a simple job to execute, but its genius lies in using an overlooked gateway - the website’s vulnerabilities to get in.
The Aftermath:
By the time Citibank realized it had been hacked, approximately 360K of the North American Citigroup's accounts were affected by the data breach. Customer names, account numbers, and contact information were accessed, but the company maintains that critical data to commit fraud was not compromised such as expiration dates and three-digit card security codes.
Approximately 217K customers were reissued cards and were given a notification letter, while the other remaining accounts were fortunately inactive. A notification was not issued until about nine days after the breach was discovered. It took about seven days after discovery to identify the affected accounts which were comprised of about 1% of the 21 million North American Citigroup customers. Ultimately, the total loss from the Citibank hack resulted in a $2.7 million loss for the company.
The Data Breach Market is Growing:
In 2011, many security pundits were scratching their heads wondering why so much hacking was happening. Experts answered that due to the increased amount of information being stored online, there is a correlation to the increased number of cyber-attacks.
Hackers are not interested in just stealing money, with critical information such as contact information and ID numbers, they can sell the raw materials on the black market, a market that has been valued in the billions. The black market started small but has been growing into a much more sophisticated marketplace saturated with brokers selling information on the internet bazaars. Criminals then use the stolen information to impersonate credit card owners and to buy merchandise.
In addition, many organizations are not taking cybersecurity very seriously, which leaves numerous vulnerabilities, and this is just too attractive for hackers to ignore.
Key Takeaways:
The biggest lesson from the Citigroup data breach is to have your website audited by professionals. If Citigroup had audited the site and repaired the vulnerabilities none of this would have happened.
A secondary lesson is that Citigroup should have publicized the breach on the day that it occurred. This would have reassured their customers that they are being transparent and taking the matter seriously.
Although this data breach occurred nearly four years ago, many of the techniques are still prevalent today. It's a shame, however, how many breaches have occurred since 2011 illustrating the lack of urgency around data theft prevention and security from corporations today. Due to the lack of urgency coupled and the precipitous rate of growth, we are seeing major growth in the "black market." It will be interesting to see what it will take for companies to put security and risk prevention at the top of their to-do-lists.
Annual subscription/ monthly subscription | My plans
May 10, 2022
It is so important for me to get organized and review my subscription and services I got from USA/ Canada. I like to put together a check list so that I can manage better.
Exponent / monthly subscription, annual subscription $149 per year, renew March 23, 2023 | Paid by US citi credit card
Leetcode / Annual subscription, $159.00, Nov. 11, 2022 | Paid by US citi credit card
SeekingAlpha | Citi credit card | Membership Jan 22 - Dec 22, 2022, 12/14/2021 $179
Google - youtube - free download | GOOGLE*YOUTUBEPREMIUM INTERNET NS | $13.43 | Scotia credit card Auto payment
Microsoft - office software - monthly | MSFT *<E0800IF8XH> MSBILL.INFO ON | $12.32 | Scotia credit card Auto payment
Rogers - monthly payment | ROGERS/FIDO BILL | Scotia credit card Auto payment - $30/ 1GB data
Amazon kindle - unlimited edition - monthly (June 21, Scotia bank visa card $10.49)
Zillow - rental listing - $29.99, Feb. 27, 2022 - one month rental listing charge | Citi credit card | ZILLOW *RENT LISTINGS 866-961-2570 WA
Yahoo Finance segments from May 2022 that examine the Fed, inflation, the economy and the outlook for a recession.
North Island Chairman Glenn Hutchins sits down with Yahoo Finance at the 2022 World Economic Forum (WEF) in Davos to discuss recession risks amid inflation and the Fed's tightening cycle, humanitarian aid for Ukraine, crypto market volatility, and the Boston Celtics.
KPMG U.S. CEO Paul Knopp joins Yahoo Finance Live’s Brian Sozzi at the 2022 World Economic Forum (WEF) in Davos, Switzerland, to discuss the possibility of a recession, rising prices, inflation, the labor market, and the outlook for the global economy.
Cisco CEO joins Yahoo Finace Live’s Brian Sozzi at the 2022 World Economic Forum (WEF) in Davos, Switzerland, to discuss inflation, supply chain constraints, recessionary risks, digital innovations, and the outlook for growth.
Kathy Jones, chief fixed income strategist at Charles Schwab, breaks down the Fed minutes, the odds of a recession, inflation, and more.
Yahoo Finance Live’s Brian Cheung discusses looming recessionary risks.
Yahoo Finance Live's Brian Sozzi breaks down the stat of the day.
Ryan Detrick, chief market strategist at LPL Financial, offers his take on why there won't be a recession later this year and what other optimism that consumer sentiment suggests.
Yahoo Finance Live anchors discuss Goldman Sachs Senior Chairman Lloyd Blankfein’s U.S. recession warning.
Carnival Corporation CEO Arnold Donald joins Yahoo Finance Live to discuss the cruise recovery, the demand for travel, and ticket pricing amid inflation.
Federal Reserve Bank of St. Louis President James Bullard sits down with Yahoo Finance Live to address efforts to contain inflation, Fed interest rate hikes, the outlook of future monetary policy, recession worries, and stablecoins.
Rocket Companies CEO Jay Farner joins Yahoo Finance Live to discuss how the Fed rate hikes will impact the housing market and why he thinks there's an imminent recession.
Atlanta Fed President Raphael Bostic joins Yahoo Finance Live Anchor Brian Cheung at the 2022 Financial Markets Conference to discuss recession, inflation and a ‘softer landing.’
Citi U.S. Wealth Management Head of Investment Strategy Shawn Snyder joins Yahoo Finance Live to discuss the U.S. economy, inflation, volatility, Fed policy, and the outlook for a recession.
Wells Fargo Senior Economist Sarah House and R.J. Gallo, Federated Hermes Senior Portfolio Manager, join Yahoo Finance Live to discuss the Fed's recession concerns, balance sheet shrinking, and economic recovery narratives seen in the bond market.
Don't Miss: Valley of Hype: The Culture That Built Elizabeth Holmes
WATCH HERE:
https://youtu.be/Sb179GLPNYE
It is so important for me to get organized and review my subscription and services I got from USA/ Canada. I like to put together a check list so that I can manage better.
Exponent / monthly subscription, annual subscription $149 per year, renew March 23, 2023 | Paid by US citi credit card
Leetcode / Annual subscription, $159.00, Nov. 11, 2022 | Paid by US citi credit card
SeekingAlpha | Citi credit card | Membership Jan 22 - Dec 22, 2022, 12/14/2021 $179
Google - youtube - free download | GOOGLE*YOUTUBEPREMIUM INTERNET NS | $13.43 | Scotia credit card Auto payment
Microsoft - office software - monthly | MSFT *<E0800IF8XH> MSBILL.INFO ON | $12.32 | Scotia credit card Auto payment
Rogers - monthly payment | ROGERS/FIDO BILL | Scotia credit card Auto payment - $30/ 1GB data
Amazon kindle - unlimited edition - monthly (June 21, Scotia bank visa card $10.49)
Zillow - rental listing - $29.99, Feb. 27, 2022 - one month rental listing charge | Citi credit card | ZILLOW *RENT LISTINGS 866-961-2570 WA
