My Philosophy for Successful Living by Jim Rohn

Here is the article's link.

You will be paid for what you bring to the marketplace and what you become.

Formal education gets you a job, but self-education is what makes you rich.

The answer to solving your problems isn’t to be found by listing out the obstacles both real and perceived in the outside world, but instead by noticing the obstacles in your own thinking and approach.

Your personal income is determined primarily by your philosophy.

If you work hard on your job, you make a living. If you work hard on yourself, you can make a fortune.

Success is not something you pursue. Success is something that you attract by becoming an attractive person.

The way that you become rich is not by wishing your life were easier, but instead by focusing on making yourself better.

Achieving wealth and greatness can be distilled down to helping others.

If you search you can find good people, but you have to be committed to searching.

Rewarding people for small steps of progress is a key part in your ultimate success.

Be so busy giving others recognition that you don’t really need it for yourself.

Becoming a skilled communicator is one of the single best investments you can make in yourself.

One of the best ways of building a financial wall around your family is to have more than one skill and more than one language.

Profits are better than wages.

No matter what you are doing in life, it’s important that you learn the fundamentals or the foundation of a given job or task.

Taking the time to sit down and write out your goals for the present, the near future and the more remote future is a necessary part of transforming your life.

You can have all you want out of life if you endeavor to help others.

Those who do not contribute to society often find that they pay a price in the form of solitude.

7 Strategies for Wealth & Happiness: Power Ideas from America's Foremost Business Philosopher

Jim Rohn

Here is wiki article about Jim Rohn.

How to Make One Year Success Plan - The Power of Ambition by Jim Rohn

Here is the link.

10:00
Prepare myself. Fortune will not be wasted.

The Science of Getting Rich by Wallace Wattles

Here is the link.

305 6420 Buswell Street, Richmond, BC

asking price $250,000.

418 13728 108 Avenue, Surrey

Asking price $279,000 dollars, 430 square foot. Last transaction is 07-05-2017, $195,000

Case study: Money is good for nothing unless you know the value of it by experience - Series 4 out of 10

January 4, 2019

Introduction

I called it big check syndrome. I make net income from 1999 to 2001 over $110,000 us dollars. But when I came to Canada in 2010, I borrowed against the home I own $18,000 dollar. I like to learn money is good.

Case study

I did my personal finance research on new year's day. I found out that mutual fund VIGRX I sold as a loss with $1000 dollar in 2002. If I keep it to 2018, the value of $3000 dollars will worth $10,000 us dollars in 2018. Here is the blog.

I learn the value of $1000 dollars loss, or value of original $3,000 dollars, with 18 years, I should learn how to make $7000 dollar profit in 18 years.

Case study: Money is good for nothing unless you know the value of it by experience - Series 3 out of 10

January 4, 2019

Introduction

It is my favorite quote related to knowing the value of money. I like to write the value of money by spending one week holiday break at home in 2018.

Case study

I spent time from Dec. 25 to January 1 in the city of Vancouver and also like to practice how to save money, doing personal finance research.

I did not go to any party or host any party. I drove less than 10 miles, I spent less than 100 dollars on grocery.

$15.00 dollar for a chicken
$10 dollar for lamb bone
$40 dollars for grocery of vegetables

I spent less than $100 dollars to celebrate Christmas and New year. I even skipped new year dinner to keep myself focus on personal finance research.

I learn the value of $100 dollars for a holiday, I think that I made good choice for me to learn personal finance.

Case study: Money is good for nothing unless you know the value of it by experience - Series 2 out of 10

January 4, 2019

Introduction

I am doing personal finance research. So I like to write my study notes. The quote is from THE ART OF MONEY GETTING by P. T. Barnum.

Know the value of passive income $6,000/ year

I have so many reasons to keep the condo running as a real estate owner. That is the only thing I own with some value from 2010 to 2018. It takes me a lot of time and stress for me to maintain the place and find renters. I like to write a blog on this topic called money is good for nothing unless you know the value of it by experience.

Case study

I like to work for the software programming job since it is exciting sometimes. I also get chance to learn how to improve my problem solving skills last 12 months. But I also have challenge to qualify to be a sponsor back in 2016.

I found out that I can sponsor one of my relatives using lonely Canadian program. I have to meet financial support minimum requirement. Because I can count rental income in USA, so I qualify the financial requirement to reach the minimum income to sponsor one adult.

I learn the value of $6,000 Canadian dollars of rental income. The value of $6,000 dollar in 2016 helps me to qualify to be a sponsor.

$6,000 Canadian dollars is $500 dollar/ month, or $400 us dollar/ month. I lowered the rent below the market since I learn that Chinese students know the value of $150/ month better than me, since I have a stable full time job last 9 years.

Case study: Money is good for nothing unless you know the value of it by experience - Series 1 out of 10

January 3, 2018

Introduction

Money is good for nothing unless you know the value of it by experience. I like to write a case study to support the argument.

Case study 1

In 1999, I supported my mom and paid for her condo in the city of Yichun, it costed me from $8,000 to $10,000 US dollars. Now it worth $100,000 US dollars in 2018. I can not claim any ownership but I learned the value of $8,000 US dollars.

I count my asset this January 1, 2018. My cash asset is less than $100,000 US dollars, I worked full time over 9 years in Canada, and also net income from 1999 to 2001 is over $110,000 US dollars.

Now I know the value of $8000 US dollars. It started from 300/ month as gift to my mom from January to December 1999, once my sister had $3000 US dollars, she paid 50% down payment for 890 square foot condo in the city of Yichun. And then she pushed me to pay the rest. 50% in 6 months.

I did not learn the value of $8,000 US dollar. a condo, a home, what that really means to a family and my mom.

Do What You Love, The Money Will Follow: Discovering Your Right Livelihood

Book review: The Art of Money Getting by P T Barnum

Here is the book review link.

PT Barnum believed wealth would naturally flow from good character

No one succeeds, Barnum asserts, without knowing their field inside out. His reflection on his 19th-century countrymen could be applied to people in any time and place: ‘As a nation, Americans are too superficial – they are striving to get rich quickly, and do not generally do their business as thoroughly as they should, but whoever excels all others in his own line, if his habits are good and his integrity undoubted, cannot fail to secure abundant patronage, and the wealth that naturally follows.’

Learn your own lessons

Even in Barnum’s time most successful business people were self-made, and the same is true today. He warned not to depend too much on other people’s capital, particularly inheritances. If anything, this ‘easy money’ will hold you back.

It may be convenient to be given or to borrow a load of money to start a business, but as Barnum notes: ‘Money is good for nothing unless you know the value of it by experience.’ The tycoon John Jacob Astor commented that it was more difficult for him to make his first thousand dollars than it was to accrue all his succeeding millions. But the lessons learned in creating the initial capital – self-denial, industry, perseverance, and patience – were priceless.

THE ART OF MONEY GETTING by P. T. Barnum FULL AudioBook - Wealth - Money - Investing V1

Here is the audio book.

The Art of Money Getting: Golden Rules for Making Money

Here is the video link.

7 Ways to Deal With the Family Bully

Here is the link.

12831 66 ST NW NW, Edmonton, Alberta

Here is the link. Asking price $71,500.

14816-26 St, Edmonton, Alberta T5Y 2G4

Here is the link. $65,000 CAD 10.9K

6113 98 AV NW, Edmonton, Alberta

Here is the link. $64,900 dollars as is.

14816 26 ST, Edmonton, Alberta

Here is the link. I like to purchase one and learn how to invest in Canada.

41-. 97 AVE, Grande Cache, Alberta

Here is the condo sale information.

亲情在利益面前，会淡薄成什么样？

Here is the article.

将亲人弄得象仇人的亲情在现实中虽常见，但在人囗比例中是很少的，大多数人都是孝父母亲兄弟的。如果说亲人像仇人一类只能说本身做人都是失败的。私心重，不孝不悌是这一群人普通现象，通常也让人瞧不起，因为一家人都处不好怎么同外人处? 我所见过的不少兄弟众多的上辈家庭，很多父母老了，弟妺尚幼，兄长供弟上学为弟成家如父母无怨言，一家人和和睦睦的占多数，亲人如仇人并不多见。亲人如仇人者没见过也不堪想象。

兄弟姐妹之间的亲情大多都是顾及传统理念的存在，若要是有一点财产分配不公，都是先把父母放在一边。全部都上法庭，所有的克制和尊严和斯文都化作“我和你拼了”的献身本质，连一向无情的法官既感意外也很为难。从法庭出来，从此再无亲情存在。

看了，现实就是这样残酷无情。有苦难言，总不能天天找人诉说，然而，谁又能说句公平的话啊？说多了，人家说你整天无聊，家丑外扬了，你自己好吗？对父母兄弟好吗？为什么人家都说你不好！我想：家家都有难念的经，兄弟姐妹能来往的就来往，不能来往的，老死不相往来多好啊！省得天天扯皮，各说各的理，打口水仗。

兄弟姐妹们，不要充当老大，吃亏无数，别人视而不见，专挑剔你的毛病。一旦找不到毛病，他们就会无端生事，制造是非。切记，切记，理永远是他们的！

父母不在了，兄弟姊妹就没有亲情了，原因太让人寒心！

Here is the article.

第二，兄弟姐妹间的收入差距也让彼此逐渐变得陌生。

咱们常说人都有自私的一面，再加上现在社会攀比成风，这种现象在农村显得更为严重，有句俗话说“嫌你穷的可能是外人，可是怕你富的绝对是亲人”，如果你能理解这句话意思的话，也就明白了，贫富的差距让兄弟姊妹间关系变得疏远的原因了。

Say goodbye to vacation break

January 1, 2019

Introduction

It is so hard for me to say goodbye to my vacation break from Dec. 25 to January 1. I spent most of time to do personal finance research and stay inside home office. Coffee, music and chatting with friends. I have to say goodbye and go back to work tomorrow.

What are the most favorite learning?

I like to choose this one, my biggest loss in my personal finance decision making I found in 2019 new year's day.

Here is the blog.

对亲人失望看透的句子，人心太假太虚伪

Here is the link. 

曾认为即使穷困潦倒、走投无路，亲情就是最后的稻草，也会伸出温暖的双手。现在慢慢才知道，变质了的亲情就只剩无情了，疏远和冷漠才是真正的面孔！实力永远决定你在亲情中的位置！任何时候只能相信自己。

2. 当你功成名就时，有多少人想来巴结你，当你一事无成时，有多少人想要远离你。

3. 用得着你的时候，好话说尽；不再用你的时候，立马转身。喜欢你时，你就是最亮的星；厌恶你时，你就是最差的景。

4. 善良给对了人，会对你感恩；善良给错了人，会让你寒心。心软给对了人，会对你情深；心软给错了人，会让你痛心。宽容给对了人，会对你热忱；宽容给错了人，会让你窝心。

5. 世界上其实根本没有感同身受这回事，针不刺到别人身上，他们就不知道有多痛。

6. 在这个尔虞我诈的世界，你不算计别人，别人也会算计你

7. 有的人真的很奇怪，你帮他七分，他反倒觉得你欠她三分，他们永远是对的，而你明明只是用了，他们对待你的方式对待他们，他们居然就生气了。

8. 任何一个人离开你，都并非突然作的决定。人心是慢慢变冷，树叶是渐渐变黄，故事是缓缓写到结局。

9. 有些人走着走着就散了，有些情过着过着就淡了，太多人成了点赞之交，甚至换几回昵称和头像，彼此就相忘于江湖了。

10. 你的好对别人来说就像一颗糖，吃了就没了。反之，你的坏对别人来说就像一个疤痕，留下了就永久在。这就是人性。

11. 人允许一个陌生人的发迹，却不能容忍一个身边人的晋升。因为同一层次的人之间存在着对比、利益的冲突，而与陌生人不存在这方面的问题。

12. 花一些时间，总会看清一些事。经历一些事情，总会看清一些人。不管爱情友情亲情，都是易碎品，一旦出现过裂缝，便很难恢复原貌；不论是谁对不起谁，那裂缝都如同两面刃，一面伤人一面伤己。一些事情，当我们年轻的时候，无法懂得，当我们懂得的时候，已不再年轻。

15. 老天不给你困难，你又如何看透人心；老天不给你失败，你又如何发现身边的人是真是假；老天不给你孤独，你又如何反思自省；老天不给你生命中配上君子和小人，你又如何懂得提高情商！老天对我们每个人都是公平的，有人让你哭了，一定会有人让你笑。

16. 世上有两样东西不可直视，一是太阳，二是人心。

八句经典名言 句句现实 让你少走许多弯路

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古人常说：不听老人言，吃亏在眼前。“老人言”是老祖宗用血泪和脑浆写下来的忠告。

老人们经过的事多，走过的路多，接受过的历练多了，对这个世界的认识也就深刻得多了。这些口耳相传的智慧，值得我们每个人去学习、去领会。

多听一听“老人言”，多感受一下老祖宗的智慧，让你少走许多弯路！

1、白酒红人面，黄金黑人心

酒喝多了顶多闹个红脸，而黄金不一样，它诱人，会使人黑心。

在面对金钱诱惑时，人做出的行为要比喝醉酒时可怕的多。在贪念的驱使下，人会突破各种底线，心也会变黑。

2、斗米养恩，担米养仇

你在困难时候给别人帮助，他会感激你；但你总是给他帮助，他就会把这当做理所当然，你一次不帮他，他就会生气。

做人要心怀感恩，这个世界没有人有义务帮你。别人帮你是情分，不帮你也是本分。不要认为天底下自己最惨，别人就应该围着你转。

3、阎王好见，小鬼难缠

往往大人物好说话，一些无名小卒反倒喜欢故意刁难。即官越大越和善，反之是官越小越难缠。

大领导德高望重、礼贤下士，而一些小人物则横眉冷对、恶语伤人。

小鬼是阎王的下属，也算是替领导挡一挡麻烦。就好比农村里的狗一样，碰见生人来院子里，狂吠不止，主人在门缝里偷望一下，如果是讨债的或者是求事的，主人则装作没听见；如果是领导或者送礼的，主人则赶紧推开门，拿棒子把狗打开，还喊一句：“这狗眼，谁都咬！”。

县官不如现管，也是这个道理。

4、一勤交十懒，不懒也要懒；一懒交十勤，不勤也要勤

一个勤劳的人处在十个懒惰的人的环境里，也会变懒；一个懒人在十个勤劳的人的熏陶下，也会变勤劳。简而言之，环境改变人，交友需谨慎。

这就是所谓近朱者赤、近墨者黑的道理，与人相处，久而久之，潜移默化，这是很自然的。

5、穷在闹市无人问，富在深山有远亲

人穷的时候就是朋友亲戚在身边也很少来往，人富了，就算远在深山的亲戚都来找你。

6、有钱常想无钱日，莫待无钱想有钱

不论是做人做事还是日常过日子，都要看的长远，不要今朝有酒今朝醉，只顾今天痛快，不管明天死活。

花钱要精打细算，不能有钱了胡吃海喝，没钱了就吃糠咽菜。好日子都是省出来、算出来的。

有钱的时候想想自己没钱的时候，给自己列一个花钱计划，该花的花不该花的别花。

7、穷不走亲，富不回乡

人在贫穷的时候，就尽量别去亲戚家，即使你没有别的想法，他们也会猜你来的目的，与其被猜忌不如自己努力摆脱贫困。

老话说：救急不救穷。富了就别回故乡了，怕那些穷亲戚借钱，借给一个，另一个眼红，不借就会出现麻烦。就算没有人借钱，穷人与富人的思维和处世之道也不一样，基本没有共同语言，这又是矛盾的根源。

8、不怕马王三只眼，就怕人怀两条心

马王爷即马神，传说长有三只眼，目光如炬人见人怕。

三只眼的马王爷的确很可怕，但是更可怕的是人心难测。为了利益，很多人一个利字苟且生，心存两意，脚踏两船，出卖朋友，出卖亲情，做尽了伤天害理之事。这个世界，最难测的就是人心。

最冷不过人心经典语句 看透世态炎凉人情淡薄的句子

Here is the link.

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

Here is the article link.

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！

Here is the article link.

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？

Here is the article.

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

Here is the article.

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

Here is the article link.

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

Here is the article link.

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！

Here is the article to read.

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

Here is the link.

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.