最冷不过人心经典语句 看透世态炎凉人情淡薄的句子

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最冷不过人心经典语句 看透世态炎凉的句子

　　1、狡兔死,走狗烹;高鸟尽,良弓藏;敌国破,谋臣亡。

　　2、对联：

　　旧岁饥荒，柴米无依靠，走出十字街头，赊不得，借不得，许多内外亲戚袖手旁观，无人雪中送炭。

　　今科侥幸，吃穿有指望，夺取五经魁首，姓亦扬，名亦扬，不论王五马六踵门庆贺，尽来锦上添花。

　　3、握权，则赴者鳞集；失宠，则散者瓦解。世态炎凉的句子

　　4、人一走，茶就凉，是自然规律；人没走，茶就凉，是世态炎凉。

　　5、人情似纸张张薄，世事如棋局局新。贫居闹市无人问，富在深山有远亲。

　　6、不信但看宴中酒，杯杯先敬富贵人。门前拴上高头马，不是亲来也是亲。

　　7、门前放根讨饭棍，亲戚故友不上门。世人结交需黄金，黄金不多交不深。

　　8、纵令然诺暂相许，终是悠悠路行心。有钱有酒多兄弟，急难何曾见一人。

　　9、有酒有肉是兄弟，急难何曾见一人？经典语句

　　10、马上铜铃响，亲戚通来往；马上铜铃破，亲戚无半个

与人交往，学会这三个技巧，再难交往的人也能搞定

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职场中什么样的人最受欢迎呢？有人说那些能力强的，有人说是那些踏实肯干的，有人说是那些会拍马屁的，当然也有人认为是那些能说会道的。其实这些都可以让你成为一个受欢迎的人。

今天小编就来带大家一起学习下，如何做一个能说会道的人。其实所谓的能说会道都是练就出来的。但是即使是练习也是有方法的。究竟如何才能做到一个，谈笑风生，见人说人话，见鬼说鬼话的职场员工呢。小编今天就举几个案例来给大家科普一下。如果你按照这样的方式去练习的话，相信在不久的将来，你就是下一个最受欢迎的职场大咖。

职场中，无论你从事什么行业，无论你是办公室高管，还是每天都要出去跑销售的精英。你都必须学会说话，其实我们每个人都想要成为那种人，也就是我上边说的那种，见人说人话，见鬼说鬼话。

这一点在职场中尤其是做销售的朋友，那都是在朝着这个方向发展。当然，如果能能达到这个水平的话，你在公司的业务水平肯定是不一般，当然如果你能达到这个水平的话，没有做销售？那小编我认为真的是太可惜了。这一条学会，你就可以在职场中叱咤风云了。好了，言归正传，下面是我整理的三个技巧，希望能给每个人多少的带来一丝的启发，让我们能进步更快。

当对方是大嗓门，血气方刚，做事雷厉风行的人，这种人其实大多都是重情重义的，意气用事这都是正常的。所以，与这样的人交往，首先一定要投脾气。投脾气的意思就是，即使你不是这样的人，你也一定要成为这样的人。

开朗，大方，豪爽做事有魄力。沟通时，说话越直接越好。称呼也是越近越好，这样也更容易拉进你们的距离。

2当对方是那种比较斯文的，与谁交往都面带微笑，不太爱说话，但是有文化修养的人。这类人，大多都是比较看中人品。道德修养那是自然不用说。我们与这类人交往的时候，你一定要把自己伪装成一个知书达礼，谦虚上进的人。这种人，我们要尽可能的帮对方做点事，当然是一些力所能及的小事，当你们能有语言交流的时候，你一定要适时的去找他请教一些问题。

这些问题，没必要太难，简单点就好，在对方所擅长的专业领域里，要让对方感觉到你在这个领域就是一个小白，这样容易让对方感觉到有一种成就感，其实我们也都知道，文人最喜欢的就是做别人的人生导师。这样做，不仅能让对方打开画夹子，更能拉近你们的距离，聊的投机之后，说不准哪天对方就会约你出来聊天了。当然如果你做到这样，你就已经很不错了。

或许你的身边有这么一类人，他们有些自视清高，总觉得，自己就是万事通什么都知道，总喜欢夸夸其谈。这种人，最喜欢的就是指点别人，教育别人。或者说，特别好面子。而且总想着让对方按照自己的思路去做事。

其实这类人也是比较好交往的，你只需要带着自己耳朵，去听就可以搞定。你要学会夸奖对方，打个比方，对方家里的一个小小的烟灰缸，你都可以拿起来，说这个烟灰缸一定很值钱吧。其实你只需要恭维对方就好。让对方觉得你自己不懂。只要他懂，他肯定会跟你说出里边的各种弯弯绕

他会把你当成一个小学生，给你讲各种各样的事。而且还会夸大其词的跟你说一些大话。你只需要认真的聆听就好，对了时不时的看对方几眼，让他感觉到你的好奇，时不时的点头。装出一副受益匪浅的感觉你就成功了。他们的人生需要的就是崇拜他的朋友。

职场中，说话确实是一门技术，但是通过今天的案例分析，相信大家也觉得说话并不是什么太难的事情。看完了今天的文章，好好去执行就好了。

其实我们没有必要去羡慕别人的额绝招，要知道别人的绝招也是通过时间和数量以及努力锻炼出来的。当你通过自己的努力你也一定可以的。其实我们都没有那么笨，为什么那些人厉害，只是因为他们付出了比我们多太多的时间。所以，他们成功了，我们还没有成功就是因为我们还没有达到那个数量，记得有一句话说的非常好，把一件小事做到极致你就会成功。

人生本来就是一个不断试错的过程，错了在改正就好。重要的是你一定要去尝试，去纠错。所以，看到这篇文章的你要加油啦。

这几种亲戚，到了中年就少联系，要保持距离！

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第一种、喜欢借钱，但却更喜欢耍赖的亲戚

亲戚借钱，可以有，但却不能只借不还。如果你的亲戚，是一个喜欢耍赖的亲戚，那么这个亲戚，就不要过多交往。他借了你的钱，你也别指望再拿回来。因为你不张口，他就不会主动在你面前提起，有这样的亲戚，你又怎么可能会舒服？

第二种、狗眼看人低，你有钱赔笑，你没钱冷脸

面对这样的亲戚，或许你有钱的时候，心里会很舒服。因为他对你会很热情。但如果你没钱，这样的亲戚，就会让你心里不舒服。他只会让你感受什么叫做亲戚的冷漠，只会让你感受到什么叫做人情冷漠。

第三种、总喜欢说风凉话，拿你当笑柄的亲戚

当你做什么没有做好的时候，对方并不会鼓励你，而是拿你当反面教材，在你背后也会看你笑话，并不会去真心帮你。面对这样说风凉话的亲戚，亲戚的亲情全然不在，联系又有何用？这样的亲戚，也是你最应该保持距离的一种！你是否遇到过这样的亲戚？

这三种亲戚，是你最应该远离的亲戚，是你最应该保持距离的亲戚。面对这样的亲戚，你也要懂得怎么远离，不要让这样的亲戚，祸患到你的生活，搅得你不得安宁！

怎样和亲戚相处？

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一、保持距离

只有距离才能产生美，任何人离的近了都是一场灾难，连一幅画离的近了，我们都看不到它的美，更何况是人。只要一靠的太近，就会发现彼此很多的缺点和毛病，跟亲戚更是这样，也许你无心的一句话说到了某一个亲戚，但很快就会在亲戚圈中传开，让你里外不是人。所以在跟亲戚的相处中，不但要保持距离，而且要谨慎自己的言行。

二、不要有财务往来

跟亲戚的交往过程中，一定不要有任何的财务往来，更不要在一起搭伴做生意，到头来钱没有挣上，却把关系彻底搞玩完。亲戚找你借钱，也最好是不要借，你管他去要你不是人，你不管他去要你同样不是人。有些亲戚甚至会觉得你帮他就是应该，你不帮他，他就能把你恨得牙痒痒。

三、不介入人家的家事

有时候你是好心，介入了亲戚家的家事，碰到人家两口子吵架闹脾气的时候，你从中调停。可问题是这种事如果你办得好了，你是个好人，能在别人那落点好；如果你办得不好，人家两口子全都赖到你的头上，恨你影响别人日子过不好。

所以亲戚的关系是何等的脆弱和敏感，我们一定要小心的呵护。毕竟能称之为亲戚的也就那么几个人，虽说我们没得选择，但是我们可以努力处理好与亲戚之间的关系，这样才能和和睦睦的共处下去。

 所以，亲戚之间的相处规则，无非就是要认清，你的亲戚是一个怎样的人，才能决定你该如何和他相处。遇到真心愿意帮你的亲戚，那你就也要拿出自己的真心对待他们，才能使你们之间的亲戚关系更加亲密和谐。遇到当面一套背地一套，嫌贫爱富，尖酸刻薄的亲戚，你就应该及时远离他们，就算你顾及亲戚关系，不好直说，但在心里一点要清楚，这种人不可深交，也不能让他们赖上你们，为你自己带来不必要的麻烦。

 还有一种亲戚关系，那些因为自己家庭有困难，想寻求你的帮助，但是帮助了以后，从此就赖上你的亲戚，也是很麻烦的，你帮助了她们，一定要和她们提前说好原则，不是对她们无偿的帮助，让他们要有危机感，不要形成依赖你的习惯，不然，带头来，还是害了她们自己，也给你自己带来不必要的麻烦。

亲戚之间的相处，最常见的情形就是以上三种，只要你认清各种亲戚是怎样的人，就可以和不同的亲戚之间相处，从而给你自己减少不必要的麻烦和为你找到真心实意对待你的亲戚。

有这样的亲戚 保持距离 不然吃大亏

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我们每个人都或多或少的有些亲戚，受五千年传统文化的熏陶，中华民族历来都注重情分，亲戚更是除去父母之外和我们有着特殊关系的人。但是，却总有些亲戚的所作所为不那么尽如人意让我们感到心寒。

事实告诉我们，有些亲戚还真的不要常来往，否则只有自己吃亏的份。比如下面这三种亲戚就不要常来往。

无事不登三宝殿的亲戚。

这个社会，总有些人喜欢“用人靠前，不用人靠后”，亲戚里也不乏这样的人。需要你帮忙的时候，想起了你。完了十年八年都想不起联系你，好像根本忘了你的存在。“饥则赴之，饱则远之”，这样的亲戚把情义看得只是互相利用，功利心太强，心里根本没有情义这两个字。

如果说朋友是互相利用的，那么在他们眼里，亲戚也是用来互相利用的。如果你对他来说，没有用处，他可能一辈子都不会找你。这样的亲戚，只能给你添麻烦，不会给你带来任何好处，真的是不要也罢。

你顾及情面，可在他看来，亲戚之情，就是他利用你的桥梁。如果有这样的亲戚，还是躲的远远的，宁可失去也别来往。

请保持距离，亲戚们

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不是年轻人反感亲戚 ，而是亲戚从来就这么烦人。

早在春节之前，中国的各路自媒体就推出了各种「 春节自救指南」 ，“防火防盗防亲戚”，已经成为年轻人的共识。

其实不是现在的年轻人反感「亲戚」 ，而是「亲戚」从来就这么烦人。

以前之所以「亲戚」存在，是因为古人力量薄弱，独自解决自然环境和社会环境问题的能力太差，几乎没有社会的力量。古人能够依靠的只有自己有血缘关系的亲戚，自己的族兄族弟，这些亲戚共同跟你一起抢水源，抢田地，不受外族外姓欺负。再加上自己的父族，母族，妻族，形成一个密切的社会网络，这就构成了一个熟人社会。

在这个社会网络里的人们，所有人都是一个利益共同体。尽管这个以血缘关系为纽带的内部也存在着互相占便宜的情况。但对外却是团结一致的，没有这个家族，古人几乎一无所靠，等于放弃了抢夺生存空间的机会，放弃了受教育的机会。

有人的地方就有政治。

亲戚之间除了过年给孩子个压岁钱，其实真没有多少利益交集。

这还真不是因为贫富看不起谁的问题，事实上，身处于小城的亲戚们，敢对你说教的，自我感觉都是混得不错的，虽然没有手上戴七八块手表，门口停十二辆路虎，但有钱的确实比比皆是，小城的房价又低，有五六处房产的七大姑八大姨简直处处都是，相比较而言，在异地苦苦拼搏，买房也遥遥无期的待富青年简直要相形见绌了。

年轻人真正讨厌的是什么？不是他们穷，而是他们的的精神世界不足以引领年轻人。

工资多少，结婚没有，孩子多大了，透露出的是一种野蛮的攀比和功利的现实，顺便再撇撇嘴说，“读书我看也没什么用”，更是对个人权利赤裸裸的践踏。

很多人忽略了一个事实，我们是没有榜样的一代人。对当代受过高等教育的年轻人来说，很多父辈们尽管有钱，尽管过得不错，但年轻人一点也不想活成他们的样子。尽管这些年轻人同样也表达自己对金钱的喜爱，但他们已经接受了现代价值观的洗礼，性别平等、婚姻自主、尊重个人空间，已经成了现代知识青年的「刚需」 。

也许您的亲戚很多，但这四种亲戚最好不要来往

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每个人都会有自己的亲戚，只是多与少的差异罢了，七大姑八大姨等，在相互交往过程中，由于每个人的素质，做事风格、明白事理程度等有差异，久而久之，就会出现“远亲不如近邻”的现实情况；也许您的亲戚很多，但这四种亲戚，最好不要来往。

1、长“富贵眼”的亲戚

在亲戚当中，有的可能手里有点钱，小日子比别人好过一点，此时的金钱就助长他拥有一对“富贵眼”，金钱改变了他的生活方式，同时也改变了他思想观念，只认钱不认人，欺贫爱富，当你和他经济差不多的时候，会对你热情万分，来往很频繁，似乎每天来你家十八趟；当你因为某件事失败后，经济处于最低谷，人落魄的时候，他的身影就消失在你的视线里，不见人影，逃之夭夭，就连一个电话，一个短信都没有；很明显，怕你伸手向他借钱、请求帮助、揩油等，这种亲戚最好到此为止，不要有任何来往。

2、借钱不还的亲戚

亲戚之间，有时候为了某种项目，或遇到突发性事情，急需用钱，作为他的亲戚，是应该伸出援手大力支持和帮助的；如果事过许久，确实家中有钱了，具有偿还能力了，但迟迟不还，继续拖延，借口搪塞，赖着不还，让人推进两难；这样的亲戚，最好不要来往。

3、背后说“小话”的亲戚

亲戚之间在来往和相处过程当中，有个别亲戚两面三刀，搬弄是非，挑拨离间，背后说“小话”，搞得亲戚与亲戚之间不和谐，甚至吵吵闹闹，争执不休，甚至相互间大打出手，闹得鸡犬不宁，这样的亲戚，最好不要来往。

4、吃里扒外（泄密）的亲戚

亲戚应该相互尊重、相互信任、相互来往等，但有时候也难免有些小摩擦，小误会什么的，有个别亲戚就会四处偏低对方，添油加醋诋毁对方；另外在亲戚间有些大的计划，很快外人都知道，但他还是保持很冷静，笑里藏刀，不希望你过得比他好，想通过外人力量让问题复杂化，有些计划实现不了，让你搁置，这样的亲戚最好不要来往。

如何维系亲戚关系，一定要做好这7大原则，特别是第一条！

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1，礼尚往来。,常言说，你敬我一尺，我敬你一丈。亲戚之间要常常保持联系，互相来往，以礼相待，不但要主动赠送礼品，还要适时回馈礼品。

2，保持距离。,虽然说亲戚之间要常来常往，但还是需要保持一定的距离，保持边界，不要在亲戚面前真的做到“不把自己当外人”。

3，帮忙量力而行。,如果亲戚要求你的帮助，你无能为力，不可死要面子活受罪，要敢于拒绝，或要明确地跟亲戚说清楚，避免亲戚产生误会。

4，心存感恩。,对于亲戚曾经的帮助，要保持感恩之心，不可将亲戚的帮助视作理所当然，而且，在有机会的时候，也要尽自己的能力帮助亲戚。

5，常保持联系。,不要临时抱佛脚，没事的时候不找人家，有事求亲戚的时候才想到提着礼品登门拜访。

6，讲信用。,如果你有困难，向亲戚提出借钱，你一定要在约定好的时间还钱，如果到了时间实在没钱还，也要跟亲戚说清楚，并约好好下一次还钱的日期。

7，坦诚相待。,有些人喜欢过度吹嘘自己的能耐，有些亲戚不明就里，如果遇到困难，比如找关系解决工作问题，就会把希望完全寄托在他的身上，到头来，浪费了很多时间，好话讲尽了，钱也花了不少，却什么事都没办成。所以，亲戚之间一定要坦诚相待。

创业后 谨记十条 与亲戚保持距离

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1、别帮亲戚炒股

　　赚了觉得你赚得不如以前吹的那么多，赔了就剩翻脸了，搭时间搭功夫还不落好。

　　2、别和亲戚一起做生意

　　道理同上，而且听谁的不听谁的？大姨、二表舅都要来帮忙，用谁不用谁？

　　3、别借钱给亲戚

　　也可以说别找亲戚借钱。俗话说远亲不如近邻，老朋友比亲戚知根知底，问题是朋友之间为钱撕破脸大不了绝交，亲戚之间闹翻了逢年过节怎么办？

4、别给亲戚做担保

　　人对于感情的理解有差异，亲戚万一不道义跑了，你是替他还钱还是替他坐牢？这事儿不但伤钱还可能人财两空。

　　5、别和亲戚“拼”东西

　　拼车、拼租、拼折扣？？啥啥的，省点儿小钱却费了大脑子，亲戚不计较也保不准亲戚家的谁谁谁不算计，长久下来积累的都是抱怨。

　　6、别找亲戚当中介

　　买车、买房、买电器、买保险？？这些有高额提成的东西，你不清楚门道，也许人家真给你便宜了也许就是行价，但你怎么判断？最好让他们当顾问，但不让他们参与最后选择。

　　7、别找亲戚当供应商

　　装修、育儿、治病、买电脑、材料采购啥的，都是细水长流的事儿，售后服务比事情本身麻烦多了，日后给不给钱给多少谁都不好掌握，还是，让亲戚顾问，供应商自己找。

　　8、别和亲戚住太近

　　我的原则是：可以和父母住的近、不要和亲朋住的近，越大家庭越如是。大家记得我的“运气守恒”定律吧？我觉得“亲戚运”也这样：小事儿用别人多了，大事儿就没人帮你了。

　　9、别雇用亲戚

　　不管多大的企业、不管多有能力的亲戚，除了子承父业非得这样，其他亲戚能干的也一定有其他人才能干。否则，贡献和报酬的天平永远摆不正。同理，也别去亲戚的公司工作(国企除外哈，那是国家的企业不是亲戚的)。

　　10、别打听亲戚家的资产

　　这还用说吗？天底下名正言顺互相打听钱的只有夫妻，以“共同生活、共同规划未来”为前提，还不一定有没有小金库私房钱。除了“我愿意”外，谁花谁钱都不天经地义。那还瞎问什么呀？

Most challenge is to handle bully in personal finance research

January 1, 2018

Introduction

It is the most challenge problem I find in my personal finance research starting from Nov. 2018. I have to go over those finance mistakes and then I have to talk to my elder sister who is a physician and talk about bully issues from those elder sisters and young brother and sister before new year's day.

Hard to look into 

It is the pain to learn from my personal growth as a Christian. I decided to choose to be a Christian starting from 2001, but I still found out that it was so hard to stay away from bully from relatives. I reviewed my finance history from 2010 to 2018, I have to bring up the topic about bully and talk about it.

What is bully?

Andrea Bocelli, Laura Pausini - Dare To Live (HD) ft. Laura Pausini

Here is the song I like to learn and learn again.

Dare to Live (Vivere)

Andrea Bocelli, Laura Pausini

Try looking at tomorrow not yesterday
And all the things you left behind
All those tender words you did not say
The gentle touch you couldn't find

In these days of nameless faces
There is no one truth but only pieces
My life is all I have to give

Dare to live until the very last
Dare to live forget about the past
Dare to live giving something of yourself to others
Even when it seems there's nothing more left to give

My personal finance remembrance day

January 1, 2019

Introduction

I like to choose Feb 27, 2002 as my personal finance remembrance day, more than 17 years ago, since today is January 1, 2019. I sold the mutual fund VIGRX in 2002 and took $1000 dollar loss and then forgot it. I come back in 2019 new year's day, work on personal finance research and found this biggest finance loss in my personal finance. Here is the blog. I like to make Feb 27, 2002 as my personal finance remembrance day.

How to educate myself and keep learning?

It is most challenging for me to learn and open, stay confident on USA economy. I had one laidoff from a startup called Trendium in Sept. 2001. I had time to think about my loss, and also I chose to be a Christian and I like to have a happy life in 2002.

I do not know why I cannot find opportunities in my life to build wealth. I decided to start to work on my personal finance in Nov. 2018.

Follow up 

March 11, 2019

After more than three month study of personal finance, over 300 hours study, I learn the concept called psychology finance, one of common mistakes in investments are called loss aversion.

I tried not to lose money, even in the short term. I chose not to study personal finance, stock market, Warren Buffet at all. I just made decisions based on my emotions.

The idea is to hold VIGRAX fund on the long term.

Case study: Biggest three mistakes as a home maker in 2002

January 1, 2019

Introduction

It is the idea to write top three mistakes I made from Sept. 2001 to August 2002 as a home maker. I decided to study bible and learn to be a Christian, I baptized with my mom in 2001 in Palm Beach Christian church. I like to do a case study on this topic called biggest three mistakes as a home maker.

Case study

I stayed at home and invited my mom to come to Florida second time in 2001 Sept, I made so many mistakes in terms of being a good person in the community and also in my personal finance.

I made so many mistakes and it was so hard for me to learn how to make a living without income. I just made net income over $110,000 US dollar from 1999 to 2001 two jobs in three years. But I did not calculate how much my net income is. I only had less than $20,000 US dollars net asset in my checking and saving account. I burned net income with $90,000 dollars with a 3 years old Ford Explorer with $8000 debt (I paid 27 installments + $3000 down payment), a mortgage, paid off my mom's home and internal furnished ($8000 US dollars), all those cashes went away under pressure of relatives, vacation to Shanghai, long distance phone calls with arguments (60 cents/ minute international long distance), furniture, vacation to California, New York, and Smoky mountains, Miami, Orlando (4 round trips from Boca Raton to Orlando from 1999 to 2002).

Overspending problems

I still paid $2,000 US dollars to my relative after I paid off my mom's home. I paid one way airline ticket to invite my mom to visit me in 2011 second time. I like to live with my mom and try to help her recover from her first stroke in her 70s. She was 70 years old.

I did not have skills to make a living and learn how to save money. I had to push myself learn and live without income in USA.

Waste of food

For example, I bought a bag of white flour, more than 50 lbs from Costco. I tried to learn how to make bread, and then I tried to learn how to use baking soda to make a bread. After a few months, I threw away whole bag of white flour since there were some bugs growing inside.

I also have to learn how to deal with my loss of job, learn how to handle finance challenges. I decided to attend bible study in a small group.

Liabilities

I had car loan to pay every month $376.95 (47 installments, 20 left, $7539), and mortgage to pay $480/ month for a condo, and also I had to pay food and gas and car insurance etc.. Only thing I learned is that Ford manufacturer interest rate is low as 1.99%.

Careless and minor incident

I made a lot of mistakes in terms of driving my car Ford Explor 1999. I did not pay attention to what I did, one time I forgot to close gas cap, the light shows to check gas; I called my friend to ask his advice, and I tightened the gas cap.

Bible study 

I already built a bad habit to show off the wealth. This is the first time in my life that I chose to be a Christian and learned to be humble. I stayed with bible study small group and I chose to be a Christian.

Canadian immigration

I had to push myself to overcome the stigma on myself. I learned that it was hard for me to make a living now. I did not have permanent resident in USA, I started to search for my opportunities, I consulted the Canadian immigrant, I did not have enough score to immigrate to Canada, I missed two points; If I have a spouse with a university degree, I can add 3 points; Or if I have a relative in Canada, I also can have additional 3 points. I had to stay in Florida.

Biggest finance mistake 

First thing I found out today, this New year's day, the biggest financial mistake I made in Feb. 2012. I sold VIGRX mutual fund in my IRA account. Here is my blog.

I may argue to myself that if I do not learn what is growth index fund, then I will sell it as a loss in next recession around 2008 as well.

One of ideas is to purchase the growth index fund back in next recession in 2008. When I closed stock and IRA stock account in 2010, actually I should put everything in VIGRX growth index fund instead, 15 years lowest point, 15 years implies from 1994 to 2009.

Actionable Items

One thing I analyze today, new year's day after more than 17 years.

My top three biggest mistakes in personal finance

January 1, 2019

Introduction

I am so glad to celebrate new year's day to stay at home to work on my personal finance. I find my third biggest loss in my personal finance from 2001 to 2019. This one is the decision I made from 2000 in purchase and 2002 in sell. VIGRX mutual fund in my IRA stock account back in Florida, USA. I could not believe that my achievement of new year's day in 2019. I like to write a blog called top three biggest mistakes in my personal finance.

My top three biggest loss

No.1 mistake is the one I found in new year's day 2019.

Top one mistake is VIGRX mutual fund purchase and sold in 2002. I did not understand growth index fund, recession, time is on my side a few concepts. I was too young and did not learn to document my finance decision and review them in December holiday season as a single person, I did this first time starting from Nov. 2018.

I documented the loss using a case study. Here is the link.

No. 2 is my SONY laptop purchase in 2002. I found the receipt in Nov. 2017, I was so shocked to find out how much I paid. I totally forgot the price I paid, the good quality of product, I still made two more laptop purchase from 2002 to 2010. I left the laptop to my friend's house in 2010 when I left Florida. I did not take it back in 2014. I need to get it back and enjoy the good quality of a laptop, it should be good for me to write some C# algorithm and practice.

Case study: 2001 IRA and stock purchase VIGRX fund

January 1, 2019

Introduction

It is my personal finance research. I spent time to review my files and then I found two documents related to my stock and mutual fund purchase. I like to do a case study on them.

Case study

Life is so challenge and I also like to share my limited experience. I am a single person and I do not know what the single means. In terms of personal finance decision, I like to write down my decision making mistakes and share with others.

My problem is to buy high and sell low. I do not understand time is on my side. I was so young back in 2002. I have over at least 30 years to benefit the growth of economy, what should I worry about?

I like to do a case study on a mutual fund VIGRX.

Here is the folder containing my purchase detail in my personal finance folder. I had Atlantic Entertainment 401 K rollover in 2001. Here is my 401 K statement at the end of 2010.

                                                                          Share      Price         Action
2001 Dec 10, 2001 Fidelity advisor equity            158.915   $25.90     Bought

I sold the mutual function Fidelity advisor equity in 2012 with loss over $1000 US dollars.

My analysis

I sold mutual fund in 2002. I totally forgot the fund after Feb. 27, 2002. I did not have job from 2001 September to August 2002, I was a home maker. I need to do research how to be a good home maker.

Today on January 1, 2019. Fidelity advisor equity has price $69.10. If I took the loss in Feb. 27, 2002, and do nothing, my original $3000 dollar fund will worth more than $10981.00, without considering dividends.

Price review

VIGRX fund - from Vanguard website - January 1, 2019

Performance review

VIGRX mutual fund - January 1, 2019

Actionable Items

In order to solve my house problem in the city of Vancouver, I decided to work on my personal finance research. I like to figure out what decision making process I have and how I can make improvements.

In year 2000, I have a good friend from FAU shared me with the tip to buy growth index fund, so I had no idea what to do, I decided to purchase four funds instead. Growth index fund minimum $3000 dollar, other three funds $1000, $500, $500.

When the fund price went down, I really did not understand what the problem was. I just sold it and took the loss. After that, I did not review and try to purchase back to cover the loss in 2002. If I understand the growth index fund long term is up, then I will get back and keep last 18 years.

I like to call my finance lesson worth over $7000 US dollar, 18 years time. Personal finance No. 2, growth index fund, $7000 at least loss.

My learning and decision making has flaws. I listened to my friend's advice, I decided to open IRA stock account, I did purchase. I did not spend time to review my every piece of transaction, and also analyze what I should learn from the transaction.

I have to push myself to learn decision making. Go for one case a time, and go over to review my choice. What is the problem? How to recover? Should I go back to purchase again?

Since I am a single person, I choose not to share my struggle and is shamed about my wrong judgement. Today I like to share and push myself to learn from the mistake, and be a good manager of my money.

I have to push myself to be gentle, and kind. Document every purchase, and do not try to kill wealth from a seed. Specially when I took loss, it was pain. But that is the chance I can really grow. I have to believe in USA, USA economy, and try to think about how hard Facebook, Amazon and Facebook to recruit best problem solvers to work for them. People with best education, reasoning, and family support, there is no way the whole economy will stay down.

One of ideas is to purchase VIGRX mutual fund in 2010 instead of closing the account for investment and IRA. If I purchase growth index fund at lowest point of last 15 years, in 2010. If I put another $3000 dollars, or $6000 dollars, then I will have very successful story to share after 18 years.

Follow up 

April 22, 2020

Based on my research, MSFT stock ten times more from 2010 to 2019. So if I hold MSFT 10 shares stock purchased back in 2001, then the value of stock 660 US dollars will be worth more than $6600 dollars.

Show case: Check completeness of a binary tree on interviewing.io

January 1, 2018

Introduction

It is my strategy to learn one algorithm to apply in my mock interview as an interviewer on interviewing.io again and again. This way I can full grasp thinking related to tree algorithm. I had mock interview and then the interviewee like to show case the interview. I choose to support his decision.

Show case

The show case is on interviewing.io, complete binary tree.

Talking Narwhal interviewed by Platinum Burrito 12/31/18 at 10:00 PM ~Practice

The algorithm I asked in the second one is Leetcode 958 Check completeness of a binary tree.

The idea is to use queue to do level order traversal, when a null pointer is dequeued, the rest of queue should not include any node with value except null pointers.

My personal experience

I wrote the algorithm first time in weekly contest 115. And then I wrote a comment in my favorite coding blog from Microsoft.

Our Budget for Financial Independence - How to Pay Yourself First

Here is the link.

'The whip cream on top of the sundae': Homebuyers writing heartfelt letters to sway sellers in hot housing markets

Here is the link.

You can walk away from your mortgage (if you live in Alberta), but should you?

Here is the article.

Buy Nothing Groups = Random Acts of Kindness All Day Long

Dec. 31, 2018

Introduction

It is my personal finance research. I came cross this idea called buy nothing and share on facebook.com. I like the idea, I was shamed by myself to throw so many clothes in 2014 in Florida since I like to empty the space to give renters to use. Here is the article.

Case study

In Oct. 2014, I did spend over $250.00 US dollar to rent a car to stop by Florida, and then I did not spend efforts to donate those clothes. I opened those hundred items I made purchase, from 1999 to 2001, I still remembered the price I paid, and some of them I only wear a few times.

I talked to the new neighbor and she complained the rent was too high. I even did not notice and ask her if she likes to choose some clothes. I just went over so many bags of cloths and threw into huge garbage can in the community.

Actionable Item

It is very important to be a good citizen, avoid wasting time and money. Control spending, and also I need to learn how to share frequently. Every year or every two years.

Homeowners who just walk away

Dec. 30, 2018

Introduction

It is tough time for me to admit that I cannot make money to afford my own housing in Vancouver area, so I am glad to rent instead of owning any real estate in Canada. I am planning to find a remote small city to live somewhere in Canada in the future if I plan to make a purchase of home. One thing is to read some article about home owners and how they make decision back in 2009.

Research helps me to understand more

Here is the article I choose to read.

Outwitting The Devil by Napoleon Hill

Here is the link.

Money Making Secrets of Marketing Genius Jay Abraham and Other Marketing Wizards by Mr X

Here is the link.

The Power of Positive Thinking by Dr. Norman Vincent Peale

Here is the link for one hour audio book.

The day to calculate the asset

Dec. 30, 2018

Introduction

I had hard time to collect payment in December for sponsor application project. I had one week to stay at home to work on person finance. Now it is December 30, 2018. I like to calculate my asset.

Patience please 

I learn from work. Every year we have an inventory day. We count all inventory items and then I sometimes help them to do adjustment and some analysis.

I just got Mint.com installed on my mobile phone. I also need to count cash with myself. I have to count coins and paper cash as well, in Chinese yuan and Canadian dollar and US dollars.

谷歌中国2018校招年薪56万，Jeff Dean李飞飞李佳等清华研讨现场

Here is the link.

计算机科学博士年薪200万？除顶级高校毕业，大部分其实在搬砖

Here is the article.

到2019年，人工智能、大数据、网络安全、AR/VR、数字营销等相关科技岗位在经济各部门将继续繁荣。《参考消息》还列出一份基于“薪酬表”网站PayScale预测的2019年最热门职业以及其收入中位数：

1. 云计算软件开发工程师（10.8万美元）
2. 数据专家（9.84万美元）
3. 人工智能软件开发工程师（9.33万美元）
4. 网络安全工程师（9.26万美元）
5. 虚拟现实工程师（8.9万美元）
6. 移动应用软件开发工程师（8.8万美元）
7. 无人机操纵者（5.79万美元）
8. 数字营销分析师（4.96万美元）
9. 在商店或药房出售大麻的店员（2.56万美元）
10. 人力派遣工（无）

Money Making Secrets of Marketing Genius Jay Abraham and Other Marketing Wizards by Mr X

Here is the link.

Dealing with others

Here is the video link.

45:00 - 55:00

Dealing with others

Case study: 1994 to 1996 two years full time job as a software programmer

Dec. 30, 2018

Introduction

I like to carefully review what I made a living from 1992 to 1994 in the city of Shanghai. The consumer behavior stayed same from 1992 to 2018 spanning over 26 years. I like to learn how to start all over again and be disciplined and start to learn how to build wealth. 

Facts to review 

I worked for research lab in Shanghai from 1992 to 1994, a startup software company from 1994 to 1996.

1988 - 1989  80 yuan/ month
1992 - 1994  120 - 180 yuan/ month
1994 - 1995  1000 yuan/ month
1995 - 1996  1800 yuan/ month

Big item purchases

From 1994 to 1996
1. 2000 yuan TV
2. Bicycle - 500 yuan, I ride bicycle to work every day round trip
3. 1500 yuan necklace
4. 1000 yuan 9999 ring
5. Grocery - monthly expenses
6. Rent $250/ month - two month salary I earned to work for Shanghai research lab, the lab paid free dorm room to live from 1994 to 1996.
7. A trip to Shanghai in 1988 for a group of 6
8. 200 US dollar = 1800 yuan application fee to USA graduate school
9. TOEFL/ GRE test
10. TOEFL/ GRE preparation class $400 each
11. A few more gold 9999 items, ear sets, pendant called Horse and Success. more than $1000 yuan purchase
12. Training NT operating system in Shanghai Jiaotong university. A few hundreds of yuan.

House problem

From 1992 to 1996, I should challenge myself to solve housing problems. In research lab, there are 4 condos purchased and we have over 10 people new graduates to share three units. Late the condo was given away to those outstanding employees as young talent.

I challenged myself to quit the job and went to job market to find a job for myself and stayed two years. I booked newspaper of xinming evening newspaper, but I did not try to solve house problem.

Even if I can not purchase a home in the city of Shanghai, I should be able to purchase one in the city of Yichun from 1994 to 1996. I chose to purchase gold necklace, ear set, and pendant, rings.

Lesson learned 

I remembered that I tried to mail TV set back to city of Yichun in 1996. I paid taxi to Shanghai rail station and then wasted money since the driver tricked me to expensive mailing place.

I break the law called delay of gratification. I do not treat hard earn money carefully and with respect.  I gave away one year salary from 1992 to 1993 - over 1,000 yuan ring to my mom. It was early in my career, but I did not learn that the job was so risky and not stable. I just took the risk the whole career without considering options carefully.

Dhando — An Intelligent Investor

Power of your Subconscious Mind

Here is the medium article link. I gave more than 10 claps.

The Power Of Your Subconscious Mind

Here is the audio book.

Weekly contest 117 performance review

Dec. 30, 2018

Introduction

I spent over hours to go over leaderboard of weekly contest 117. What I like to learn is from those top 200 players in the leader board.

Performance review 

I came cross the principal programmer from Microsoft, he solved Q1, Q2 and Q4. He only spent less than 20 minutes on Q2. His ranking is 186. I have a ranking 1299/ 3420.

Joseph Murphy

Here is the link.

The Power Of Your Subconscious Mind by Joseph Murphy

Here is the link.

Live Stream: Bob Proctor on Goals & Success

Dec 29, 2018

Introduction

It is very challenging for me to learn something from this teaching. I like to see if I can learn and how hard it is for me to learn some new concepts.

Goals and success

Here is the link.

Where you are? -> where you are going?

To be able to shape your future, you have to be willing and able to change your paradigm

- a mental program that has almost exclusive control over out habitual behavior ...
And almost of our behavior is habitual.

Habitual -> using history to dictate what we will do -> Look into Eric Hoffer.

Intuition

10:00
Will

11:00

Your ability to earn money
PERCEPTION
USE OF TIME
CREATIVITY
EFFECTIVENESS
PRODUCTIVITY
LOGIC

Universal Laws of Life - Full Stream

Here is the link.

Obey the laws

1. The law of thinking
2. The law of attraction
3. The law of supply
4. The law of increase
5. The law of receiving
6. The law of compensation
7. The law of forgiveness
8. The law of non-resistance
9. The law of obedience
10. The law of sacrifice

A coding blog

Here is the coding blog.

Here is the Leetcode profile.

A blog to read

Here is coding blog.

Here is the blog I choose to read.

weekly contest leadboard study

Here is the profile of Leetcode.

Here is the blog I read after I went through leaderboard.

Weekly contest 117

Dec. 29, 2018

Introduction

It is my favorite weekly contest called weekly contest 117. I wrote first two algorithms and I used the first 75 minutes.

Progress report

I rank 1299/3420. Here is the report.

Here are the discuss link for first two algorithm

965. Univalued Binary Tree

967. Numbers With Same Consecutive Differences

Paradigm Shift Bob Proctor - Getting to Know You - Ep. 3

Here is the link.

Paradigm Shift Bob Proctor - Keeping the Main Thing the Main Thing Ep. 2

Here is the link. The video is a 28:30 minutes length one.

Paradigm Shift Bob Proctor - Winning vs. Losing - Ep. 1

Here is the link.

Paradigms

 - comes from Greek word, paradelgmia, which means "patten or example"

 - thought patterns
- sub-conscious conditioning

Paradigm shift

- a radical change in somebody's basic assumptions about an approach to something

Paradigm Shift Bob Proctor - Breaking Free from Negativity - Ep. 7

Here is the link.

19:18/ 28:25

Calmness of mind is one of the beautiful jewels of wisdom. It is the result of long and patient effort in self-control.

As a Man Thinketh James Allen

Case study: a gold 9999 necklace purchased in 1995

Dec. 29, 2018

Introduction

It is my personal finance research. I came cross this receipt and the purchase I did in 1995. I like to do a short case study on this purchase.

Case study

By my research, the necklace has double the value. Now it should worth more than 3000 Chinese Yuan for 9999 10克 gold.

Here is the update of Gold price in China retail store.

I like to provide facts of my salary history to show the value of necklace:

I worked for research lab in Shanghai from 1992 to 1994, a startup software company from 1994 to 1996.

1988 - 1989  80 yuan/ month
1992 - 1994  120 - 180 yuan/ month
1994 - 1995  1000 yuan/ month
1995 - 1996  1800 yuan/ month

Actionable Items

I did spend more than one month salary to purchase a necklace, and a ring. The ring costed me a month of salary, and then I gave it to my mom. Since I felt that it was too heavy to wear when I worked on the computer.

I chose to leave the job in Shanghai research lab, and then worked for a startup company. My ex-coworkers in the reserach lab started to save money from the salary and then purchased a home in the city of Shanghai from 1996 to 2001, they left research lab and went for high pay job from 3000 - 8000 yuan maybe.

I decided to apply for graduate school in United States instead of continuing to work in the city of Shanghai from 1994 to 1996.

How do I evaluate my finance activities?

I think that I already had a lot of alarming sign to control spending. I should save those two year salary since 120 yuan is the salary I used to make in research lab, which I could cover all expenses. I should save 80% of salary, but I spent on grocery, and gold, English education, and also give away money to my mom.

I spent most of them on food, clothing, attending TOEFL/ GRE study, and applied the admission of school. I gave away money to my mom, a gold ring costed more than 1 year salary from 1992 to 1993.

I should start to learn person finance back in 1994. I had hard time to learn and under stress of working and learning technologies.

I tried to comfort my mom since she was depressed since the old home was destroyed and that was home she lived with my father over 20 years. She was 61 years old and she got her one eye damaged because of mistakes she made.

At the end of two years full time work in August 1996, I purchased an airline ticket to Florida, and paid over 8000 yuan for one way ticket, I had nothing left.

I sold a less than two years old TV costed me two month salary $2,000. And I paid rent $250/ month, the same size of room of next door shared by three or four man, under stairways from second floor to first floor, the bus driver rented the place to sleep in weekdays.

I lived in the biggest city in the world, Shanghai from 1984 to 1996.

Big item purchase:
From 1994 to 1996
1. 2000 yuan TV
2. Bicycle - 500 yuan, I ride bicycle to work every day round trip
3. 1500 yuan necklace
4. 1000 yuan 9999 ring
5. Grocery - monthly expenses
6. Rent $250/ month - two month salary I earned to work for Shanghai research lab, the lab paid free dorm room to live from 1994 to 1996.
7. A trip to Shanghai in 1988 for a group of 6
8. 200 US dollar = 1800 yuan application fee to USA graduate school
9. TOEFL/ GRE test
10. TOEFL/ GRE preparation class $400 each
11. A few more gold 9999 items, ear sets, pendant called Horse and Success. more than $1000 yuan purchase
12. Training NT operating system in Shanghai Jiaotong university. A few hundreds of yuan.

House problem

From 1992 to 1996, I should challenge myself to solve housing problems. In research lab, there are 4 condos purchased and we have over 10 people new graduates to share three units. Late the condo was given away to those outstanding employees as young talent.

I challenged myself to quit the job and went to job market to find a job for myself and stayed two years. I booked newspaper of xinming evening newspaper, but I did not try to solve house problem.

Even if I can not purchase a home in the city of Shanghai, I should be able to purchase one in the city of Yichun from 1994 to 1996. I chose to purchase gold necklace, ear set, and pendant, rings.

Lesson learned 

I remembered that I tried to mail TV set back to city of Yichun in 1996. I paid taxi to Shanghai rail station and then wasted money since the driver tricked me to expensive mailing place.

I break the law called delay of gratification. I do not treat hard earn money carefully and with respect.  I gave away one year salary from 1992 to 1993 - over 1,000 yuan ring to my mom. It was early in my career, but I did not learn that the job was so risky and not stable. I just took the risk the whole career without considering options carefully.

It is also good advice to learn marketing and sales as early as possible in your career. I spent over 4 hours to listen one of making money video while I worked on personal finance and wrote blogs about my study.