Sunday, January 6, 2019

我为什么鼓励你读博士?

Here is the article link. The author is a computer profession, here is the link.

Arguments in Chinese to work on computer science PH.D. program.

1.把握公司高层领导和用户的需求的能力
如果公司高层领导对某软件的性能完全不感兴趣,你当然就不能提出提升软件性能的想法。你要知道公司目前最需要什么技术和产品。这个能力并不是天生就有的,而是慢慢揣摩、锻炼出来的。
在读博过程中,你必须知道你的导师喜欢和擅长的课题,摸透审稿人喜欢的表述方法和结果。这都是你极好的锻炼机会,因为在读博的时候,允许失败;但是在职场上,失败的代价非常高。
2.语言表达能力
我在香港学习期间,与我相熟的刘云浩教授(现任清华大学软件学院院长)反复强调表达能力的重要性。作为一个科研工作者,你要写出能说服别人的论文;作为一个软件工程师,你要写出能体现你贡献的技术文档;作为一个项目负责人,你要写出好的项目申请书和总结报告,让公司知道你的价值。
很多中国学生的语言表达能力很弱,这与外语水平并不是非常相关,而是由于没有经过写作的准确性和逻辑性训练。而读博写论文的过程就能培养逻辑表达能力。
3.克服困难的能力
被别人拒绝很伤自尊。作为天之骄子的大学生,除了追求异性,恐怕很少遭受被人拒绝的经历。而残酷的职场里到处充满拒绝的情形。如何能够以正确的心态来面对这些事情,也是可以通过读博来训练的。
当第一次投稿的论文被无情拒绝后,很多学生都非常愤怒和羞愧。甚至有不少聪明的学生在论文被拒几次之后,一气之下放弃了搞学术。
其实,论文被拒稿原因并不一定是你的工作做得不好,很可能只是差了一点运气和工作的完整性。在职场里,求职和升职也可能会被拒绝,原因也并不一定是自身的不足。读博能帮助你认识和理解这些事情,并以平常心来面对挫折。
什么人适合读博士
我认为读博士并不需要天生的特殊能力或者后天的条件。我们平常所说的能力,诸如编程、数学和英语,都只能叫做读博士的催化剂,而不是发生化学反应的“反应物”。所以,问题并不是“什么人适合读博士”,而是“什么人不适合读博士”。
1.没有耐心的人不适合读博士
一个计算机专业的博士,需要在自己的研究方向上成为世界级的专家。
没有人能在短时间内成为专家,即使我们看到有些博士生在第一年或第二年就发表了顶级论文,但他们其实并没有从总体上完全理解该方向,选题有可能是靠导师帮忙,甚至就是导师指定的。
大部分重要的工作,尤其是涉及系统的领域(比如操作系统、网络、分布式系统、体系结构、编程语言),并不是在短时间内就能做出成果的。一篇重要的系统方面的论文,通常需要花费近一年的时间去做实验与写作,而之前知识的积累则需要更久。
文章发表之前的一段时间是最难熬的,大部分失败的博士生都是跌倒在了这个阶段。而能够熬过这个阶段的,不论之前的背景如何,大部分都能继续发表更多的论文。“耐心”是读博最重要的条件。
2.不欣赏科学和技术的人不适合读博士
一个成功的计算机博士要懂得欣赏(或者至少愿意欣赏)他人发表的优秀成果,欣赏教科书上的经典设计,欣赏自己或者导师提出的重要问题和解决办法。如果你对科技完全不欣赏,那么是不可能做出好的科研成果的。
读博士需要注意什么
1.选择合适的导师
导师与一个博士生的命运休戚相关。相同条件的两位博士生如果遇上不同的导师,可能会产生截然不同的命运。
每个导师的背景不同,手上的资源也不同,而他愿意给学生的资源数量也不同。
假如某资深教授A的资源为10,某年轻教授B的资源为5。但是A教授有一个10个学生的庞大实验室,能给你的资源只有1;而B教授仅有你一个学生,给你的资源可以是5。显然B教授是更理想的选择。当然实际情况并不是如此简单。
比如在美国,通常资深和年轻教授的资源差距不大。在中国,资源差别可能很大——当然目前这种差距在逐渐缩小。也有可能你在同门中表现突出,资深教授特别中意你,能给你8个资源。
还有可能年轻教授长袖善舞,与许多同行和工业界的关系非常紧密,这时他的资源反而超过资深教授。因此如何选择导师,绝对不是看资深与否或者脾气好不好这么简单。
2.选择合适的课题
同领域里可以选择的课题有天壤之别。有些课题没有研究价值。有些课题很难,即使认真做了,也不一定能做出好的成果。
我的建议是,博士生应该经常阅读顶级会议的论文。即使课题组历史上从没在顶级会议上发表过论文,即使导师不做要求,即使你不在顶级会议上发表论文也能毕业,你还是要去了解。否则研究容易和现实脱节,自然不会得到认可。
博士之后的职业选择
我认为读计算机专业的博士是一个“进可攻退可守”的选择。因为在计算机领域,学术界和产业界联系紧密,任何一行都离不开计算,读博士的职业选择相当多样化。
我在德州大学的博士师兄师姐们有的成为常青藤大学的终身教授,有的成为贝尔实验室的主任,有的成为谷歌公司的项目负责人,也有的成为初创公司的创始人。
我在香港科技大学的博士师兄师姐们有的成为摩根大通银行(JPMorgan Chase)的副总裁,有的成为国内名校的新贵,有的在公安部研究所担任重要职务。计算机专业的博士即便职业选择再不如意,也很少有为生计烦恼的,在其他专业的人看来这些人都是各行菁英。
如果你没有虚度光阴,在读博士过程中学到的知识在未来的职业生涯中都会发挥作用。
如果你的优势是写论文,你可以选择成为大学教授;如果你的优势是解决技术难题,你可以选择成为公司的研究员;如果你的优势是编程,你可以成为软件工程师;如果你的优势是建模,你可以加入金融公司等。
计算机专业的知识都是实用性的,这是计算机专业一个得天独厚的优势。即使读博的过程非常不如意,也可以及时跳出“止损”,社会不会把你当成一个失败者,公司依旧非常欢迎博士退学者——因为他们也学到了技术。
如果说一百零八位好汉在踏上梁山的那一刻就注定了此生命运坎坷,那么与之相反,读计算机专业的博士却可以保证你未来的生活,并且在此基础上会有多样性的选择来发挥你的优势。
(作者:钱辰,美国肯塔基大学助理教授)


Financial Summit '16 - Session 1 and 2 - Rabbi Daniel Lapin

Here is the link. It is two hour preaching.

40:00 / 2:16

You take care each other. God will take care of you.

Interviewer:

What is your long term goal?

1:00 / 2:16

Rabbi talked about the wealth. How to build wealth?

1:10

Wealth is connected to good human connectivities. Two people work together, it is not just double wisdom. It is more than 50 times more.


Case study: Capital one credit card 2001

January 6, 2018

Introduction


It is my personal finance research. I need to find out the credit card statement on my 2001 credit card, I put over thousands dollars on credit card for a trip to Shanghai. I could not find it in my Citi credit card statement. 


Search ...


In order to assist you with your account, can you please contact 1-800-CAPITAL (227-4825). 

Our specialist is available 24 hours a day, 7 days a week. 

Case study: 2000 Citibank credit card statements

January 6, 2019

Introduction


It is my personal finance research. I push myself to learn personal finance, and last Friday I found out that I can request statements from citi credit card from 1996 to 2018. My account was closed in 2017 since I did not use it more than 12 months. I only can request 12 statements and it takes 24 to 48 hours, so I will request statements from 1996 to 2017. It will take me some time to get all statements.

Case study


I have monthly mortgage payment $450.00, and also Ford Explorer car payment $398.00 us dollars. Here was my monthly statement on citi credit card. 

  January 1, 2000    Monthly statement:  $477.85
  Feb. 22, 2000       Monthly statement:  $594.14
  Aug. 24, 2000      Monthly statement:  $361.00
  Nov. 22, 2000      Monthly statement:  $1182.82
  Dec. 22, 2000      Monthly statement:  $2046.50

Total: $4662.31

My analysis in 2019


I think that one of reasons I could not have personal finance success is that I chose to spend money I earned on personal vacation, clothing and vacation with my mom. I did not follow the principle of delay gratification.

I did not spend time to learn how to contribute to the community, the company I was working for, and also show support for next generation for better education and opportunities etc.

I did not show any concern about how hard the company tried to survive as a startup company.


Benny Hinn 2017, Business Secrets From The Bible, Part 2

Here is the link.

To Become Wealthy, Invest In Yourself: Rabbi Daniel Lapin's Ancient Hebrew Wisdom

Here is the link.


Business Secrets from the Bible

Here is the article.


U.S. Mortgages for Canadians

January 6, 2019

Introduction


It is my personal finance research. I have to work for myself since I stayed in USA from 1996 to 2010. I have to figure out how to manage my asset in USA and also try to work hard in Canada as well. It is the first time I learn that RBC bank will provide home equity line for US property I own in Florida, maybe.

My research



Here is the article to read. I am planning to book an appointment and figure out.


最新重要!可以直接在加拿大银行贷款到美国买房了

Here is the article.


How to Calculate the Total Asset Turnover

Here is the article.

Top 10 Highly Useful Websites to Learn About Personal Finance for Free

Here is the article.

How to Calculate Net Worth

Here is the article.


105 12130 80 Avenue, Surrey, BC

asking price $299,000

I like to learn how to figure out the market. The peak time is Feb. 2018, $320,000 dollars for one bedroom unit.


MURPHY'S LAW | Draw My Life 'Anything that can go wrong will go wrong'

Here is the link.

Push hard on problem solving daily

January 5, 2019

Introduction


It is a new year 2019. I like to write some new year resolution. One of things I like to do is to challenge myself every day, I like to solve one medium algorithm every day.

Can I afford the practice?


As a project manager to my daily planning, I like to push myself hard and train myself daily on problem solving.

I miss those challenging algorithms and I really like to bring them into my daily routine.

Can I afford not to practice daily?


I am so busy to learn personal finance. I develop strong interest to learn how to build wealth and learn more about money, personal finance. The learning is so much challenging, I have to face reality to push myself to learn. New year's evening I cried and I learn that I also need to learn how to train myself mentally like sports training.

Back to algorithm and data structure problem solving, I really like to solve another 20 medium level algorithms in one week. I like to push myself and figure out ways to complete 20 algorithms in medium level, so I can figure out how to improve my problem solving skills in next level.



Saturday, January 5, 2019

weekly contest 118

January 5, 2018

Introduction


It is my favorite weekly contest 118. I solved the second algorithm and then I was so confused about the bug of the first algorithm, time limit exceeded. I like to write a blog to document my journey.

My performance


Here is my performance.


Problems solved in the contest
969. Pancake sorting

Problems solved after the contest

970. Powerful integers
971. Flip binary tree to match preorder traversal.

Jan. 9, 2019

I worked on the tree algorithm again, and also I shared my practice called how to push myself to write an elegant solution. Here is the link.

I like to be a problem solver

January 5, 2019

Introduction


I am doing personal finance research. I like to be a problem solver.

My problems


I need to list all problems I like to solve.

I have to learn how to face reality of my two other tooth issues. I may have to extract those two teeth to keep other alive. It is so tough for me to learn that periodontics is such painful experience.


A written BUDGET

January 5, 2019

Introduction


It is time for me to push myself to come out a written budget for my vacation, monthly expense, my car repair, and my management to a rental property, and my management of my asset, and also my family as a single person and learn how to prevent abusive relationships from possible third parties.

A written budget


I have to evaluate the financial decision in terms of dollar amount. I like to set up the range from less than 100 dollars, 100 to 500 dollars, 500 to 1000 dollars, or above $1000 dollar.

I should never spend money any month more than $1200 dollars, for any reason. No matter how people put me under stress, abusive attack using languages etc.

I should never spend money more than $120/ day for shopping. For any reason, I have to make sure that I understand what is want and need.

If I have to make over $1000 dollars, then I will have to cut into multiple stages; A small step a time, and I have to allow myself to learn to ask questions, and do it several steps to allow myself to catch up.

Case study


I made the decision to close stock account in 2009. The money I lost in stock market is over $5,000 dollars. The idea came out and I made a decision without any written analysis. I have to spend over 40 hours to do research for amount over $5,000 dollar net income or loss, no matter what area I have to conduct research. I have to push myself to learn investment.

I have to push myself to analyze and then prepare for myself to review and audit my decision process in the future of 10 or 20 years or more.


Case study: IRA $5,000 dollar loss from 2008 to 2009 and stock loss $1000

January 5, 2019

Introduction


It is time for me to learn how to make good finance decision. How to evaluate the decision impact? What is possible loss or future gain for each decision? I have to learn how analyze my financial decision and one of ways is to review the past mistakes. I like to do a case study on 2009 financial decision again.

Case study




CASH FLOW PLANNING

January 5, 2019

Introduction


It is such a good topic called cash flow planning. Here is the link. It is more than five hours video, I like to watch the video more than a few times in order to complete the video.

First hour


Second hour


Third hour


Fourth hour


Fifth hour






WHAT IS MURPHY’S LAW? AND IS IT DESTINED TO BRING YOU BAD LUCK?

Here is the article.


Murphy's law is a popular adage that states that "things will go wrong in any given situation"

January 5, 2019

Introduction


It is very good idea to look into Murphy's law and I like to figure out what to learn from this law.


Dave Ramsey's Total Money Makeover Live! - 7 Baby Steps

Here is the link.

Baby step 3: Build up 3-6 months of expenses in savings

Insurances -> protect your money -> protect your health

Baby step 4: Save 15% to the retirement




4 Ways to Influence How New Grads Handle Money

Here is the link.


Ramsey: Here's how to raise money-smart kids

Here is the article.


rachel cruze

Here is the wiki page of Rachel Cruze. I was very impressed by her presentation in smart money, smart kids by Dave Ramsey and Rachel Cruze at Gateway Church.


Smart Money, Smart Kids by Dave Ramsey and Rachel Cruze at Gateway Church

January 5, 2019

Introduction


It is such a good teaching about smart money and smart kids. I was so happy to go over the video the first time. Here is the link.


Take my notes 



5:00

Dave's daughter talked about her thoughts.

10:00
Raising biblically wise, money-smart kids

1 God owns it all

How to manage the money?

13:00
You teach your kids.

I am doing good. You own nothing.

2. The value of work

Spending money wisely.
Money is finalize.

Principle of saving money.


18:40 / 34:27

3. Contentment is the antidote


24:00

The more is caught than taught. 

Life Money Hope: Basics Of Biblical Finance | Dave Ramsey

Here is the link.


6:00/ 36:33

Bankrupt story -  foreclosure, and other things, personal story

15:00

Get out of debt


3) Act on WAGE

"A foolish man devours all he has."  Proverbs 21:20 NIV

4) Stay on BUDGET


"For which of you, intending to build a tower, does not sit down first and count the cost. Whether he has enough to finish it?"

 Luke 14-20 NKJV

If you cannot handle little, then you will not give a lot of it. It looks like you won the lottery, and end up bankrupt in five years.

Act like it. Be responsible. Sit down, give every dollar a name.

5) Save and invest

Rainy day - visual day - any given 10 years, you will get the major negative events.

Murphy law -

"In the house of the wise are stores of choice food and oil." Proverb 21

Dave Ramsey - 5 Principles of Managing Money God's Way

January 5, 2019

Introduction


It is 43 minuets video called 5 principles of managing money God's way. Here is the link.


19:00 / 43:57

Slow and steady win the race

It is a marathon. It is not microwave culture. I do not do bubbles. I am ok with ...

No 2 failures. Too many success.

Get rich quickly never works. 

27:41/ 43:57

FINANCIAL PRINCIPLES MATTER

37:00

A HIGHER CALLING MATTERS

Find you vocation to be your vacation. Do not just do it for money. Being able to serve very well. How do you serve it well?


Live on a written BUDGET

January 5, 2019

Introduction


I like to write the topic how I get into debt using credit card quickly in 2001,  a case study: 2001 China vacation. This is for my personal finance research and I just try to be honest and analyze from personal finance viewpoint.

Case study


I saw the video Proven Biblical Money Principles - Dave Ramsey. It is called plastic surgery to cut the credit card off. Only keep one credit card. I like to write down my lessons and how I should avoid the same mistakes again and again.

Live on a written BUDGET

"For which of you, intending to build a tower, does not sit down first and count the cost, whether he has enough to finish it?"  - Luke 14:28

I only spent one week vacation in China in 2001, I was under influence and quickly got in credit card debt using Citibank more than $4,000 US dollars amount.

It was hard for me to review the experience. I was under personal abusive attack from my three sisters and one brother. I cried, and could not sleep very well, but worst thing is that I made poor financial decision. I offered my relatives to a 3 day trip to Shanghai and I paid all the cost.

I was trusted by a startup company and paid by a fortune with top salary. I wasted time and money and wasted on the foolish trip to Shanghai.

I ended up purchasing in a brand new TV for gift over 2000 yuan, and cash gift, and also paid for my two sisters and two kids and my mom to Shanghai for a 3 day vacation. My mom even could not walk and just had her first stroke. My two sisters just made the plan and then I paid all the cost for hotel, train tickets and everything.

I reviewed those financial records, and understood that I was under influence and then I was a foolish relative to end up huge debt in one week vacation, and I have to put myself into $4000 US dollar debts using credit card.


Actionable Items


I could not understand that I am a single person, and also I am myself a family as well. I was abused my relatives and I did not learn that I need to get out of this relationship as quick as possible to protect my own family.

It is the first time I like to study how to research how to get along with relatives, how close I should stay close to relatives? How to be carefully not be manipulated by relatives? How can I not get in credit card debt or cash withdraw in China vacation?

I plan to order Citibank credit card statements from 1996 to 2018 every month, I like to analyze my spending carefully.

I also contacted Chase bank, but unfortunately Chase bank only provides last 7 years statements.


Talk about failures

January 5, 2019

Introduction


It is so challenging topic and I like to write about the topic first time. I do remember a few times through the phone interviews, do you get computer science PH.D. degree in 2008? I had to answer the question, I did not. That is the failure since I could not get the PH.D. degree starting from 2012 to 2016.

Year 2009 thoughts


I am doing my personal finance research. What I did is to look up my hard disk and try to find my personal finance statement. 



Proven Biblical Money Principles - Dave Ramsey

January 5, 2019

Here is the link.

19:00
Principle 1: Have a budget

Live on a written BUDGET

"For which of you, intending to build a tower, does not sit down first and count the cost, whether he has enough to finish it?"  - Luke 14:28

I do not have a plan, and ...

https://www.everydollar.com/


Principle 2: Avoid debt

22:00 / 38:49

The rich rule over the poor and the borrower is slave to the lender

- Proverbs 22:7


Principle 3: Foster high-quality RELATIONSHIPS


Do not be deceived: evil company corrupts good habits.

   - 1 Corinthians 15:33


31:00 / 38:49

Principle 4: SAVE and invest


In the house of the wise are stores of choice food and oil.  - Proverbs 21:20


34 Be incredibly GENEROUS

... for God loves a cheerful giver.   - 1 Corinthians 15:33




Jim Rohn: The Mindset And Attitude Of Thinking Wealthy

Here is the link.


I opened a new github repository called mental training

January 5, 2019

Introduction



It is a good idea for me to open a new github repository called mental training.

Here is the github link.

Motivation


It is the beginning of 2019. I like to start a journey to work on psychology mental training starting from sports. 
The motivation starts from problem solving of my own housing problem, so I started to work on personal finance research. I also did case study and found out that a lot of times I had issues to learn how to deal with pressures, stress, how to handle relationship, money, work, time and my limited resource. How to work with relatives, friends, or other people and reduce my personal finance loss, loss of time and opportunity cost etc.
One study a time. 


I cancelled Netflix membership today

January 5, 2019

Introduction


I was too busy and I did not have time to watch Netflix last two or three months. I decided to cancel membership today.

Why I should stop much early?

Follow up on Oct. 22, 2019
I did watch Suites a few seasons. I had good time to watch a few shows over years. But I found out that I could not afford the time to watch shows on Netflix. I need to work on my personal finance, and learn how to grow rich and build wealth. My time is running out. I am 53 years old but I do not learn how to invest on equities.

Friday, January 4, 2019

Jim Rohn: Habits That Will Change Your Life (Morning Motivation)

Here is the link.

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.



Thursday, January 3, 2019

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.


Tuesday, January 1, 2019

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

Here is the article link.

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」 。