412 33478 Roberts Avenue, Abbotsford, BC V2S 8E1

Here is the link.

ASPEN CREEK!! Top floor condo with vaulted ceilings! This unique 1 bedroom home feels so much larger than it's actual square footage. The vaulted ceiling with an extra large picture window brings in tons of light and creates a grand, airy living space. Nice features such as stainless appliances, generous sized kitchen, large bedroom and stacker washer/dryer. Located at 5 corners and walking distance to the many boutique shops and restaurants in Historic Downtown Abbotsford. A must see!!

Snapshot

• Price:
 
• $247,500

• Bedrooms:
 
• 1

• Full Baths:
 
• 1

• Square Footage:
 
• 696

• Year Built:
 
• 1997

• Listing ID #:
 
• R2343940

• Street Address:
 
• 412 33478 Roberts Avenue

• City:
 
• Abbotsford

• State:
 
• British Columbia

• Postal Code:
 
• V2S 8E1

• Listing Status:
 
• Active

Building

• Age Of Dwelling:
 
• 22

• Amenities:
 
• Club House, Elevator, In Suite Laundry, Recreation Center, Storage

• Features:
 
• Clthwsh/Dryr/Frdg/Stve/Dw

• Miscellaneous Features:
 
• Central Location, Shopping Nearby

• Number Of Fireplaces:
 
• 1

• Stories:
 
• 1

• Style:
 
• Upper Unit

• Total Building Square Footage:
 
• 696

• Year Built:
 
• 1997

Listing

• Title Type:
 
• Freehold Strata

Money

• Association Fee:
 
• 197.59

• Property Taxes:
 
• $1,091

• Tax Year:
 
• 2018

Source

• Listing Provided By Sutton Group-West Coast Realty (abbotsford)

• 

Request a Showing

Thursday

MAR

28

2019

March

2019

S	M	T	W	T	F	S
24	25	26	27	28	1	2
3	4	5	6	7	8	9
10	11	12	13	14	15	16
17	18	19	20	21	22	23
24	25	26	27	28	29	30
31	1	2	3	4	5	6

History:

02-02-2016

$124,000    Unit 113

26-01-2017

$139,500 Unit 114

Unit 118

23-06-2017	$189,900
18-10-2016	$135,000

4 (PE). Finding Basic Stock Terms

Here is the link.

This video is my favorite one. I like to learn those basic stock terms again and again.

Preston Pysh

Here is the link.

What is Value Investing?

Here is the link.

5. Warren Buffett Stock Basics

Here is the link.

18:00/ 19:30

The importance of patience and individuality

Patience
Anytime you find something that looks like massive return usually means massive risk

Pigs get fat and hogs get slaughtered

Patience is truly a virtue. Take your time don't try to get rich overnight. Never break your rules!

Individuality
Think for yourself - that's what all the great investors do!

I've often found that if I was doing what everyone else was doing.... I was probably doing it wrong.

In lesson five, we learned that Warren Buffett has four rules that he uses for investing in stocks. All the rules must be met in order for him to purchase shares of a company. Those four rules are the following: Rule 1: A stock must be stable and understandable Rule 2: A Stock must have long term prospects Rule 3: A Stock must be managed by vigilant leaders Rule 4: A Stock must be undervalued We also learned a very basic valuation technique that Warren Buffett used when he worked for Benjamin Graham. The technique multiplies the P/E ratio by the P/BV ratio and the result needs to be lower than 22.5. A key fundamental of Warren Buffett stock basics is the idea that the stock market is nothing more than a location where he can buy or sell his shares. The market only provides a platform for him to purchase undervalued companies. He always buys on the assumption that they stock market could close tomorrow and not open for five years ñ and it would have no impact on his decision to buy a particular company.

5. Warren Buffett Stock Basics

Here is the link.

In lesson five, we learned that Warren Buffett has four rules that he uses for investing in stocks. All the rules must be met in order for him to purchase shares of a company. Those four rules are the following:
Rule 1: A stock must be stable and understandable Rule 2: A Stock must have long term prospects Rule 3: A Stock must be managed by vigilant leaders Rule 4: A Stock must be undervalued
We also learned a very basic valuation technique that Warren Buffett used when he worked for Benjamin Graham. The technique multiplies the P/E ratio by the P/BV ratio and the result needs to be lower than 22.5.
A key fundamental of Warren Buffett stock basics is the idea that the stock market is nothing more than a location where he can buy or sell his shares. The market only provides a platform for him to purchase undervalued companies. He always buys on the assumption that they stock market could close tomorrow and not open for five years ñ and it would have no impact on his decision to buy a particular company.
Finally, we learned that Warren Buffett possess great patience. He never tries to make enormous gains, but instead consistent gains at reasonable levels. He always thinks for himself and always determines the value of a stock based on what HE thinks a company is worth - not the market.

15 Signs You Are POOR

Here is the link.

How do you know you're poor? What are some things poor people do? How do people get poor? Why are some people poor? What is like to be poor? How to get out of poverty? Why some people stay poor? Why don't poor people work harder? What is like to be poor? How to tell if you're poor? What are poor people like? How much money do you need to make to no longer be poor? How much do poor people earn? How to live like a poor person?

687. Longest univalue path

Feb. 26, 2019

Introduction

It is challenge to come out the idea to solve the longest univalue path by comparing to parent's node's value.

My sharing 

Here is the discussion link I shared.

SIGNS YOU'RE FAKE RICH | HOW TO BECOME TRULY RICH

Here is the link.

4:40/ 10:03

Live below your means

Nice things only purchase by pure profit your investment

Invest money you know very well.

10X back

Pay cash -> credit card -> interest

Wealth creation

Invest
Don't save

Never invest something you do not know about

Delay gratification every day - so important ......

Invest, stack money I do have

Fake rich
-

15 Reasons Why You'll Always Be Poor

Here is the link.

TIMESTAMPS: You spend too much money on your phone 0:55 You use shopping as therapy 1:59 You treat your credit card as if it were your own money 3:36 You don’t plan your vacations in advance 4:12 You pay for subscriptions 4:55 You don’t buy in bulk 5:35 You don’t join loyalty programs 6:27 You don’t haggle 7:00 You never ask for advice 7:30 You leave the lights on 7:56 You spend money on bad habits 8:30 You drive to places you could walk to 9:06 You buy clothes that don’t match the rest of your wardrobe 9:35 You start your day with coffee-to-go 10:17 You never have any money left by the end of the month 10:44

SUMMARY: - Mobile providers like to make long contracts with tons of small but important stipulations and limits that you might be completely unaware of. You could be using way too much data without even knowing it, and you’re likely paying a pretty penny for going beyond those limits. - If you feel the unstoppable urge to shop when you’re stressed out or depressed, it’s time to stop and give it some thought. - Credit cards are a great way to build up your credit, but it can be dangerously easy to use them irresponsibly. If you treat your credit card like a source of income, it might be high time to cut that thing into pieces! - Paid subscriptions to music and movie sources can be pretty expensive. More often than not, users have no idea that they’re subscribed to a paid service since it happens automatically. - There’s nothing wrong with buying a large number of goods at a discount, especially for non-perishables that can be stored for a long time. - Plenty of companies offer discounts and bonuses to regular customers. So it’d be silly not to take advantage of loyalty programs! - We all know that smoking, drinking, and fast food are bad for our health; no news here. But if you’re struggling to get by financially, then you just have to kick these bad habits! - Be smart with your style and make up a wardrobe consisting of fewer pieces that can be combined into lots of different outfits. Don’t neglect websites with second-hand items either. - A $5 latte on your way to work seems pretty harmless, right? Well, some simple math of multiplying 5 by 300 work days a year gives you $1,500 of hard-earned cash spent on your morning energizer. - If you keep running out of money long before it’s time to flip the calendar, I’ve got some bad news for you, my friend. You’re doing something wrong when it comes to planning your budget.

15 Ways to Save Money

Here is the link.

1. use cash instead of your cards 2. write down all of your expenses 3. cancel unnecessary subscriptions 4. look up coupon codes 5. use rebates for cash back 6. build an emergency fund 7. schedule shopping 8. wait it out 9. only buy what you need and use 10. use the public library 11. plan meals around sales 12. buy used 13. diy whatever you can 14. learn to cut/do your own hair 15. swap/borrow from friends

BEFORE YOU INVEST $0.01 IN 2018! (10 Investing Principles w/Whiteboard Finance)

Here is the link.

HOW TO SAVE MONEY FAST - 5 TIPS FOR SAVING MONEY

Here is the link.

1. Apply 30 days rules to avoid impulsive purchase
2. Pay yourself 10% of your income
3. Write a shopping list and stick to it
4. Cut off your TV
5. Shift saving more -> Earn more money

impulse buys cost

No intention to watch, time is money. Paying to lose money.

Get money back
Less exposure to ads ...

Greater income
Greater expenditure

Read
Grow
Learn

3 Money Rules That Will Make You Rich

Here is the link.

1. Money rewards producers
2. Money rewards risk
3. Money requires responsibility

The Top 12 Rules of Mastering Money

Here is the link.

#1 Count the money
#2 Automate your bills
#3 Stash the cash
#4 Monthly budgets
#5 Enjoyment fund
#6 Earn more
#7 Use credit
#8 Give frequently
#9 Pay cash
#10 Have faith
#11 Bless your money
#12 Control your emotions

3 Forgotten Laws of Saving Money

Here is the link.

Law 1

Save money is never about the money.

Rather, it is for extraordinary things.

You are saying NO to forgettable things, in order to experience the ...

What are you saving for?

Relish in your Extraordinary Goal.
It will give you willpower to say no ...

5:26
Law 2


7:13
Law #3
Every peso counts

If you want to save $1,000,000, then every peso counts.

11:30
Review

Law #1
The purpose of saving money
What is your extraordinary goal?

Law #2
Segment your money

Separate your savings from your spending money

Law #3
Every peso counts

5 Traps That Are Preventing You from Building Wealth

Here is the link.

1. Comparison

What every body has, desire what they have. So busy to chase those things.

New car, married, children.
You have one life to live.

But Godliness with contentment is Great Gain.
- Timothy 6:6


2. Complacency

Every one has car loan.

For as he thinketh in his heart, so is he ...
- Proverbs 23:7

Strive to get better, get out of debt.

3. Consumerism 

Buy buy buy, we love to consume. We are not able to build wealth. TV, radio, smart phone...
Amazon, Apple smart pay...

4. Contradiction

5. Confusion

Countless books, countless videos. It costs you nothing.
You do not have ability to build wealth.

Seek information. It is out to think about...

FIX YOUR LIFE AND GET OUT OF DEBT! 💰 Break Out Of The Lower Class

Feb. 25, 2019

Here is the link.

Upper    20%  $100,000
Middle  40%   middle class
Lower   25%   Bottom 14%  Below $19,000
Bottom 14%

How to break out of the lower class?

#2 Budget your money
- collect all bills, statements and receipts
- determine your cash flow (in and out)
- go back a few months if possible
- list all of your expenses

Fixed expenses
Discretionary expenses

#3 Build up a rainy day fund

#4 Invest

- Invest in yourself ( learn more, earn more)
- maintain your standard of living
- put any surplus into assets
- grow pennies from dollars and reinvest

996. Number of Squareful Arrays

Feb. 24, 2019

Introduction

It is hard level algorithm. I had chance to learn how to write this one but it took me too long to practice. I know that I have to push myself to work on data structure and algorithm again, now it is almost end of February 2019.

My practice

Here is my discussion link.

Interviewing.io statistics

Feb. 25, 2019

Introduction

It is time for me to calculate how many interviews I practice on interviewing.io as an interviewer starting from January 2018.

Statistics

2018, month by month from January to December, [1, 12, 9, 7, 12, 13, 12, 11, 11, 14,11,14], total: 127
2019, month by month from January to December, [15, 9], total 24

2019-02 February, total 9 interviews, interview dates: 6, 7, 8, 13, 14, 18, 19
2019-01 January, total 15 interviews, interview dates: 1, 2, 3, 7, 8, 10, 16, 17, 18, 21, 22, 23, 24, 30, 31
2018-12 December, total 14 interviews, interview dates: 5, 6, 7, 10, 11, 12, 13, 18, 20, 21, 24, 25, 28, 31
2018-11 November, total 11 interviews, interview dates: 1, 2, 5, 7, 8, 9, 15, 16, 19, 28, 29
2018-10 October, total 14 interviews, interview dates: 2, 3, 4, 10, 12, 15, 16, 17, 18, 23, 25, 26, 29, 30
2018-09 September, total 11 interviews, interview dates: 6, 10, 11, 12, 14, 17, 18, 20, 21, 24, 26
2018-08 August, total 11 interviews, interview dates: 2, 3, 6, 9, 10, 16, 20, 24, 29, 30, 31 2018-07 July, total 12 interviews, interview dates: 2, 3, 4, 10, 11, 13, 16, 18, 24, 25, 30, 31
2018-06 June, total 13 interviews, interview dates: 1, 4, 5,6, 11, 12, 18, 21, 22, 25, 26, 27, 28
2018-05 May, total 12 interviews, interview dates: 1, 7, 8, 14, 16, 17, 18, 23, 24, 25, 29, 31
2018-04 April, total 7 interviews, interview dates: 3, 4, 6, 9, 19, 23, 26
2018-03 March, total 9 interviews, interview dates: 2, 7, 9, 12, 22, 23, 27, 29, 30 
2018-02 February, total 12 interviews, interview dates: 1, 2, 5, 6, 8, 9, 14, 15, 16, 19, 26, 28 
2018-01 January, total 1 interviews, interview dates: 30

2018-01-25 10:00 PM I was interviewed
2018-01-25 11:00 PM I was interviewed
2018-09-21 I was interviewed as interviewee. 

One show case:
I documented how I worked with the interviewee to solve a hard level algorithm in less than three steps, and the interviewee showed off his strong problem solving skills to surprise me. 

Leetcode discuss: Here is the link. 

Julia's coding blog: Here is the link. 

My showcases:
12/31/18 at 10:00 PM Talking Narwhal interviewed by Platinum Burrito on interviewing.io
10/29/18 at 10:04 PM Lexical Lguana interviewed by Platinum Burrito on interviewing.io
7/11/18 at 10:00 PM Laser Egg interviewed by Platinum Burrito on interviewing.io

5 Things I Had to Give Up to Grow My Career

Here is the link.

Options
The silent killer of success

The best decision is to reduce optionality

Job hopping - learn and grow with one team

1. Other people's judgement

Care about what other people think and you will always be their prisoner.
                                        - Lao Tzu

Give other people to manipulate you.

2. Information overload

People today are in danger of drowning in information; but, because they have been taught that information is useful, they are more willing to drown than they need be.

- Idries Shah

3. What I thought I "should" become

Market - least practical decision
Learn how to adjust

4. My own judgement of other people 

It is humbling, to become the very thing you once mocked. - Gillian Flynn

5. My desire to be perfect

The pursuit of perfection is a disguise for insecurity.

- Paulo Coelho

Decluttering Life: Choosing What to Keep

Here is the link.

These Skills Are Hard To Learn But Pay Off For The Rest of Your Life

Here is the link.

Adaptability

It is not the strongest of the species that survive, nor the most intelligent that survives. It is the one that is the most adaptable to change.

  - Charles Darwin

7 Reasons Why Smart, Hardworking People Don't Become Successful

Here is the link.

1. Do not reach new people

2.

Don't resist  Innovate

3. You're not willing to take risk

No risk -> safe option -> often boring and mundane

4. You believe that you can succeed based on your credentials

5. In real world, results are based on:

 Hard work
 Strategic thinking
 Luck

Be aware of the value of your time

6. You can't commit a decision

An abundance of options makes decision more difficult

Do the research before making your decision

7. You don't believe in yourself

Underestimate their abilities
High standards -> their own worst critic

Here are short version of 7 reasons why smart, hardworking people don't become successful

1. You don't reach out to new people. 2. You are averse to change. 3. You are not willing to take risks. 4. You believe you deserve success based on credentials . 5. You constantly go after whatever is exciting at the moment. 6. You can't commit to a decision. 7. You don't believe in yourself.

The Pursuit Of Status How To Avoid Chasing The Wrong Things

Here is the link.

Diderot effect

One purchase can lead to many bad decisions.

4:45/ 7:47
Pursuit of status

Hierarchy -> zero-sum game

6:53/ 7:47

The greatest reward in becoming a millionaire is not the amount of money that you earn. It is the kind of person that you have to become to become a millionaire.

                            - Jim Rohn

The Most Powerful Way to Get to Your Biggest Results

Here is the link.

"There is only one thing that makes a dream impossible to achieve: the fear of failure." - Paulo Coelho

A tooth story

Feb. 24, 2019

Introduction

It is a busy Sunday. I felt the swollen of an upper tooth. I should extract the tooth this January when I visited the dentist. I like to write a short story about the tooth.

Dentist visit

I visited the dentist this January. And the dentist asked me the option, extract the tooth and pay $120.00 dollars. Or deep cleaning for $90 Canadian dollars. I chose to deep clean.

Now it is only one month passed. The tooth is so painful, and swollen. I decide to pull it out as soon as possible.

How To Make Better Decisions

Here is the link.

This must be a good video with content I should learn. I am new to those concepts in the video.

I like to write down the notes showing at 8:8/ 8:44 first.

The market for lemons Quality Uncertainty and the Market Mechanism  By George Akerlof

Adverse selection

Circle of competence

"I can look at a thousand different companies and I don't have to be right on every one of them, or even 50 of them. So I can pick the ball I want to hit. The trick in investing is just to sit there and watch pitch after pitch go by and wait for the one right in your sweet spot. And the people who are yelling 'swing, you bum.' Ignore them

  - Warren Buffett

Capitalism

Solves real problems <-> Peddes placebos

Game of luck -> Now a game of effort

Judgements passed   ->   Opinions formed
                                Asymmetry

1:37/ 8:44
Avoidance is expensive

3:24/ 8:44
1. Knowing what you know


4:25
2. Knowing what you do not know

video game for example,

6:00
3. Knowing how much you need to know

wisdom <-----------> wisdom required
How big is the gap between the two?

More than 70%                                              Less than 40%

pull the trigger                                               


7:32/ 8:44

The diet of the wise

Warren Buffett had to read reports, no internet age.

Nearly free -> Too lazy to read, too busy to think

Warren Buffett's 5/25 Rule Will Help You Focus On The Things That Matter

Here is the link.

1:48/ 6:24
Step 1
List 25 things you want to accomplish in the forseeable future

Step 2
Rank them in order of importance and circle the top five

What are you going to do with the remaining 20 items?

2:17
The importance of selected focus

Rewards of being a superstar

opportunity cost

3:08/ 6:24

So good they can't ignore you By Cal Newport

The craftsman mindset

Become an apprentice
 Learn the basics
Become a journeyman
 Add your own style
  Attain mastery

3:46/ 6:24
Will you really get around to it?

Higher priority/ More important

Learn 10 languages Vs Spend time with family

Pareto's principle
Most things in life are not distributed evenly.

Your "top 5" will have a greater impact in your life than the remaining 20 items


5:37/ 6:24

Do More of What matters

Finite resources

Warren Buffett's 5/25 Rule Will help you focus on the things that matter

This Is How Warren Buffett Made $85 Billion

Here is the link.

Financial Order of Operations: How To Prioritize Your Financial Goals

Here is the link.

My financial plan

Feb. 24, 2019

Introduction

It is my personal financial plan. I like to write down my financial plan 2019.

My financial plan

I like to live under my means. My grocery should be less than $300/ month. I need to continue to rent the same place to save money. I need to push myself to learn how to invest.

If I have pay check coming in as usual, I like to save at least 40% of income every month. I like to cut expense of vacation to less than $500.00 dollars.

I need to understand what relative means, say no to relatives. As a single woman, what should I do to prepare my living in Canada.

The Worst Money Mistakes By Age (Part 1)

Here is the link.

Credit card should be carefully used. It is like a knife, it will hurt you.


20s


30s


40s


50s

Why wealthy families lose their fortunes in three generations

Here is the link.

You Will be POOR if You’re Still Doing these 7 Financial Sins

Feb. 24, 2019

Here is the link.

10:32/ 10:59

1. Not developing financial IQ
2. Investing into liabilities
3. Save to wealth mentality
4. Unaware of cashflow quadrant
5. Gives up during failures
6. Wasting your free time
7. Being afraid of hard work

More detail

5. Gives up during failures

Never use failures as stepping stones.

7. Being afraid of hard work
Being afraid of hard work and never take risk
Risk is around us all the time
No outcome is 100% certain

There are two types of people

Those who take pride in security ...
Those who take risks and explore opportunities ...

加州湾区生活是怎样的：一个典型湾区人的人生轨迹

Here is the article.

Case study I

我85后，女马工，7年工作经验，在一家小初创公司，没股票，年薪14万。除去税和养老保险到手多少钱呢，我每个月到手工资6800*12 = 81600。这6800又是怎么分配的呢：

1。房贷2000*12= 24000

2。房产税+HOA = 13280

3。房屋保险+车保险 = 2000

4。电话费+煤气水电+网费 = 2400

5。汽油 + 保养 + licence renew= 3000

以上时必须消费的钱，就是没工资，这些钱必须交。

剩下4万，平均每个月有3700左右。这些钱抛出必须的人际交往，出去小规模旅游，回国探亲，每个月吃饭买菜的钱，大家可以算一算每年能攒15000已经非常不错了。

这算是我一个人没孩子，湾区一个孩子daycare一个月少说2000左右。一个人省省略有结余，要是已育有房基本月光。

My analysis

I am working on personal finance research. I like to work on the above case, and see how t o work on investment based on my learning. 

$86,000 dollars net income, $15,000 - pay herself first into investment, or saving. 
$70,000 dollars goes to payment. 

$70,000 dollars does not generate any passive income? 
This is ridiculous stupid expenses. 

Case study II

再写一下我的老板，今年60，中国老头，没赶上所谓的互联网红利，但是做到小公司 VP 级别。开的是一辆马自达，大女儿大学私立之后，二女儿供不起了，只能读个公立。我 VP 当然也有中国老人的节省，天天带饭，穿的衣服我感觉是三十年前他出国的衣服。在 PALO ALTO 住，但只是 2B2B 的 townhouse。十几年前买的。前几天聊天说他 401K 才存了十几万，因为当时女儿读书用钱就没再存。

Asset

Town house - purchased over 10 years ago
401K - less than $200,000 dollars

Principal application with Hong Kong office

Feb. 24, 2019

Introduction

It is time for me to help the principle applicant to file documents. I spent over three hours to read and write, and then prepare things for the case yesterday.

My nephew

It is so hard for me to work with 25 years old young Chinese male. I have to read the immigration letter dated on Feb. 20, 2019, and then translated word by word, and then paragraph by paragraph into Chinese. I shared the information through wechat.

Later I had to spend time to explain everything again in Chinese, and also explain every detail in wechat.

The young Chinese does not learn how to respect other people's hard working. He does not have work experience, and he does not understand the basics of politeness, and respect other people.

It is so hard for me to work with him.

I called his father twice, and his father told me that he would give his son a call to tell him take my call. I called again, he did not answer. And then I called his father again. He answered the first time.

Being a sponsor

It is toughest project for me to be a sponsor. One day I will know the result, no matter what it is, I have to learn the lesson and I do not want to make the same mistakes again. 

Weeky contest 125 performance review

Feb. 24, 2019

Introduction

I move my research to personal finance. But I still like to continue to work on algorithm and data structure if I have time. One thing is to review my weekly contest performance.

90 minutes

Weekly contest only has 90 minutes. I will have 4 algorithms to work on. Usually last algorithm is hard algorithm, I do not read at all to save time.

Last week the third algorithm is tree algorithm. My strategy is to work on any tree algorithm, since it can be really easy to write and also I push myself to master all tree algorithms. Usually they are very good algorithm to practice, and also I like to give out tree algorithm to interviewees on interviewing.io most of time.

Usually  it takes me at least 5 five minutes to read one problem statement. If I cannot fully understand the problem, then I will have to take risk and learn from failed test case. It takes me extra time to pass online judge.

Right now, I do have time to write algorithm and data structure in weekdays, all week days after the work I have to push myself to learn personal finance, and also study more topics to explore the area first.

I do need to push myself to practice daily. It is difficult to build good habit to write code daily. But it is easy to break the habit. This time it is my personal finance research.

60 minutes lead board study

I spent 60 minutes to study lead board with ranking 1500 - 1700, I like to figure out some statistics related to those players with the score from 10 to 14.

My contest performance is here.

Warren Buffett - HBO Documentary HD #Advexon

Here is the link. It is 90 minutes HBO video.

weekly contest 125

Feb. 23, 2019

Introduction

It is my favorite weekly contest. I enjoyed the contest, and was happy to solve two algorithms. I like to write a blog to document my performance.

My performance

I wrote the third algorithm first. I really like to challenge myself on tree algorithm, since I interviewed over 100 people on interviewing.io and I got a lot of experience. In other words, I work on tree algorithms every week and I was amazed to work on top talent people in the world all the time.

I spent 30 minutes to work on the tree algorithm, but I still could not pass all test cases. The phone ring and I had to tell my sister to wait, I was in the contest and I need to get back to her after the contest.

I moved on the first algorithm first. I was in the pressure to score zero, so I had to push myself hard to solve the first algorithm. I finished the first algorithm, but only 14 minutes left. And then I went back to work on the third algorithm, I read the problem statement again, and I read the statement "the value should be appended to the end of the array". I fixed the bug and wrote very simple code, since it is the end and it should be right subtree.

I only had 8 minutes left, I did glance the second algorithm. I know that it should be simple but I did not have enough time to finish it. I started to play with my ranking and figured out what my ranking was.

I just played with ranking system until the end.

Here is my ranking.

Schwab S&P 500 index sel

Feb. 23, 2019

Introduction

It is my personal finance research. After more than three months work, I finally have chance to put together all paper work I had with Par Technology 401 K, and I like to study one of options called Schwab S&P 500 index selection.

Index fund

Here is the fund statistics.

I sold the mutual funds in 2008 or 2009 and stayed in money market fund or bond from 2009 to 2019. I still park those money on there, I like to wait another correction before I put the money into index fund.

Personal finance research

Feb. 23, 2019

Introduction

It is my personal finance research starting from Nov. 2018. I did look into who are best mentors as a self-learner, I wrote the first blog about "My best coaches in personal finance". Today I found out that I start to watch the content related to Warren Buffett. This is the first time I start to work on learning from Warren Buffett.

How the learning starts?

I think that the learning starts from financial difficulty to find a home in Canada in 2018.

I have a roommate who is good educated young graduate from university of Victoria, she keeps reminding me to go to Willingdon church. Somehow I learn that I like to find time to do more study related to personal finance research instead. I could not believe that I can learn so many things once I come out the idea to work on.

I try to figure out how to manage myself as a self-learner, I like to start from small case studies based on my past experience, based on transactions on my citi bank credit card statements from 1996 to 2019.

Warren Buffett - The World's Greatest Money Maker

Here is the link.

Warren Buffett: I'm not worried about America's future

Here is the link.

Warren Buffett’s First Television Interview - Discussing Timeless Investment Principles

Here is the link.

Warren Buffett

Here is the link.

How Buffett Did It: Building Berkshire Hathaway

Here is the link.

This Is How Warren Buffett REALLY Made 85 Billion Dollars

Here is the link.

7 FINANCIAL SINS - WHY YOU WILL NEVER BE RICH

Here is the link.

#1 Greed

#2 Sloth

Track expenses. Live under your means.

#3: Gluttony

Overconsumption

#4: Envy
Keep up Johneses

FOMO: Fear of missing out

#5: Pride
Cost and benefit

#6: Lust

Material goods / new makeup

Allow time pass, 7 days to test

Do I really need that

#7: Wrath

Warren Buffett’s 10 Principles And Rules For Investing – How To Invest Like Warren Buffett

Here is the link.

Principle 1:
Focus on the future productivity of the asset

Principle 2:
Profits: 25% - 100%
(after tax)
Others: 12% - 20%

Never gamble with your money

Principle 3:
Talented
Competency

Principle 4:
When investing, if you focus on the prospective price change of a contemplated purchase, you are speculating.

Principle 5:
Don't keep watching of your stocks daily.

Principle 6:
Emotions aside

Irrational decision.

Principle 7:

Principle 8:
A "Flash crash"

Principle 9:
In five years, it will be worth double its current price.

4:06/ 8:59

With my two small investments, I thought only of what the properties would produce and cared not at all about their daily valuations. Games are won by players who focus on the playing field not by those whose eyes are glued to the scoreboard. If you can enjoy Saturdays and Sundays without looking at stock prices. Give it a try on weekdays.

4:20
Emotion aside

6:02

A "Flash crash"

A climate of fear is your friend when investing, a euphoric world is your enemy.

7:11/ 8:59

I have good news for these non-professionals. The typical investor doesn't need this skill. In aggregate, American businesses have done wonderfully over time and will continue to do so. Though most assuredly in unpredictable fits and starts.

7:43/ 8:59

The goal of the non-professional should not be to pick winners, neither he nor his "helpers" can do that. Rather, it should be to own a cross-section of businesses that in aggregate are bound to do well. A low-cost S&P index fund will achieve this goal.

Warren Buffet | Learn To Build Wealth - Billionaire Wisdom

Here is the link.

Warren Buffett's BEST Piece Of Advice (FOR BEGINNERS)

Feb. 22, 2019

Here is the link.

8:00 - 10:00/ 13:29
America will do well all the time. Winning stcok/ winning time

11:10

Key takeaways
 - does not require a lot of skills
 - invest in productive assets
 - time is your greater asset
"investing doesn't have to be difficult"

Coast Capital Savings

Here is another company for me to look into. I am so glad to get connected and learn so many companies in Vancouver area.

Tasktop startup

Feb. 21, 2019

Introduction

It is such great experience to attend open house event tonight. As a software programmer, I learn how important it is to keep connected with the community. I like to learn more about software companies in Vancouver area.

Tasktop software company

Here is the company profile. 

Money week youtube channel

Feb. 20, 2019

Introduction

It is my personal finance research. I learned last three months that I should invest time early back in 2001 to learn personal finance, and also push hard to build good finance habit. I like to invest more time after work and in weekend to learn some basic of personal finance. Money week is very good place for me to learn

Money week

Here is youtube.com link.

DIVIDENDS! | The Easiest Way to Get Rich #1

Here is the link.

Kevin O Leary presentation in Vancouver

Feb. 20, 2019

Introduction

It is the first time I attended the show in the city of Vancouver. I like to share my hand writing notes taken on Feb. 20, 2019.

My notes

Here is my notes.

How is my handwriting?

I also have strong interest in design and art. I like to overcome my impatient problem. I like to push myself to write down by myself, so I can work on hand and brain together. I believe that it is good to train myself to think and analyze better.

I like to write down a few notes later about my learning.

Stock Dividends Explained in 7 Minutes

Here is the link.

What if I know the stock market

"The stock market is a device for transferring money from the impatient to the patient." - Warren Buffett

It is a good research topic for me to work on.

I am a programmer but I like to do a short research. My interest is superficial, play tennis, shopping, I bought thousands dollar clothing again starting from 2010, it is junk since they are my wants and not needs. I watch netflix shows to take breaks instead of learning things on youtube.com on personal finance until Nov. 2018.

2018

One day I felt so lost since I thought about other thing not tennis, I was playing tennis against the wall. I like to have a home, own a home some place in Canada, but I failed to time the market. I talked to a Chinese friend who also has a real estate license. He explained to me that I did not know the market. Now it was too late. It was in 2018

I felt that I like to start something new. Why I just work on a case study first.

Because I do not know what problem I have. I think that I have income problem not expense problem. I do believe that I should hold on to grow rich until I can get more income first.

2009

I did not know the stock market, when in recession 2009, I took the loss, sell everything to focus on my immigration case.

My attitude has problems. I should learn more about stock market starting from 2001. I was a home maker in 2001.

I made a mistake to sell VIGRX mutual fund in 2002, and then totally forgot it, do not talk about it. I moved on with other interest.

I did not succeed the first time to file Canada immigration. I had 30 days to respond the immigration office to provide finance letter to show $10,000 Canadian dollar fund. The consultant did not receive the mail and I did not know where I was in the application status at all. All I am doing is to wait for the result. I got denial of application since lacking of financial statement. I took advantage of 60 days to appeal my case, started to file appeal for leave in Canada federal court by myself.

I felt so disappointed and this was the first time I learned that I could not turn back the clock.

I was impatient, and I sold everything in stock market and took the loss in 2009, and I decided to move on immigration case.

If I want to be a data engineer

Feb. 18, 2019

Introduction

It is my short research topic. I got notification that one friend I met on interviewing.io or pramp.com joined Facebook as a data engineer, and I remember this January one startup is looking for a data engineer, work on scala/ docker. I was curious how to get training to be a data engineer.

If I want to be a data engineer

I need to write down how this friend made a good career move to Facebook as a data engineer.

I am still working on my personal finance, and start to understand basic economics and how index fund / Vanguard fund beat other active managed funds.

I learn from my personal finance research. To be a data engineer, it is not an easy job for any of us.

How to play Canadian investment game?

Feb. 18, 2019

Introduction

I am a Canadian citizen. I need to learn how to survive in Canada. Ideally, my first priority is to hold a software programmer job, no matter how low the pay it is. I need to learn how to build wealth and grow rich from the steady income.

Short research

Now it is 9:26 PM. I will have a mock interview on 10:00 PM. I will have to go to bed early for tomorrow work. I like to come out the idea how to play investment game in Canada.

VHCOX

I need to learn more than 10 Vanguard funds first, and then I also like to push myself to tell the basic difference before I start to invest again.

Are You Too Old to Buy a House?

Here is the article to read.

在亚马逊 (Amazon) 公司工作是怎样一番体验？ (Series 5 out of 10)

作者：GXSC
链接：https://www.zhihu.com/question/24614033/answer/497338972
来源：知乎
著作权归作者所有。商业转载请联系作者获得授权，非商业转载请注明出处。

关于升职

亚马逊升到 SDE II 是件很不错的成就。

升上去了，一般可能会被亚马逊当年给你的工资多一倍左右。

着重于成长， 而不是升职。

亚马逊某部门这两年就出了一个问题：很多系统被设计得过度复杂。后来调查时发现，都是因为设计复杂了容易忽悠人好升职。 升上去的人， 很多不称职。

亚马逊是会 PIP 人的！能力差的经理一般专 PIP 那些工作不久的 SDE I。其实 SDE I 是最不该PIP的。 因为 SDE I 破坏力最小， 而且最容易训练。

职位越高，越容易遇到经验比较足的经理。这些经理会着重审核 SDE III 和 Principal。

有个部门今年一年就开除了两个 SDE III 和一个 Principal。

做得好总是会加薪的。做得不好， 升职了饭碗都不一定能保住。

当然 SDE I 也不要怕 PIP。只要你做得好，学得多，你就不怕 PIP。 出 PIP 是件很光荣的事情。 因为一个经理去 PIP 一个人，

1. 这个人造成伤害很大
2. 这个人无法被训练

也就是说， PIP 的确是用来开除人的。
但是如果被 PIP 的人出了 PIP， 就很可能这个经理看错了。

如果一个经理把一个好员工当成坏员工，最后被开除的很可能是这个经理。所以在亚马逊， PIP是双向的。

这是为什么 SDE I 其实没有那么好欺负：

1. SDE I 无法造成很大的伤害
2. SDE I 通常可以被训练

所以PIP SDE I 十有八九都是错的。一个经理如果经常 PIP 那些 SDE I，等遇到一个有经验的经理， 就归他自己被开除了。

Actionable Items

There are some good arguments in the article.

在亚马逊 (Amazon) 公司工作是怎样一番体验？ (Series 4 out of 10)

关于是否应该来亚马逊

作者：GXSC
链接：https://www.zhihu.com/question/24614033/answer/497338972
来源：知乎
著作权归作者所有。商业转载请联系作者获得授权，非商业转载请注明出处。

1. 关于是否应该来亚马逊

如果你不是太缺钱（比如学生债很重之类的）， 亚马逊西雅图总部是一个适合职业成长的地方。今年（2018）亚马逊的应届生起薪不比别的类似公司低， 所以如果负债太重， 这类公司可能都不适合你。

不管你是什么专业， 都可以从这里的 SDE I 做起。 现在亚马逊招的本科生中， 有很多理科非电脑专业的。 我也见过很多文科、医科的， 读个半年的电脑硕士就来亚马逊当SDE实习生的。

个人而言非常喜欢这样的员工。 他们的思维模式往往非常灵活， 可以给公司带来不同的视角。 如果你背景就是电脑， 也很好。 这样上手快， 也就有时间多学一些别的专业的东西。

传统上，亚马逊大多数组会给新 SDE I 甚至实习生从头到尾的 "ownership" （近三年某些部门有一些变化， 之后会提到）。 很多新人会去与客户谈项目、设计系统。一直到最后的购买硬件、发布功能、系统， 都可能是新人在主导的。这个 ownership 不应该被曲解为加班加点赶活。 只是说这个实习生或者 SDE I 拥有整个项目最高的话语权。

比如我今年就看到一个组的实习生， 在花了几周与他的客户讨论和深入分析之后， 成功说服他的组员去放弃他的实习生项目。 他的经理之后又花时间跟他一起开始了一个完全不同的项目。 这种自主能力是亚马逊强调的ownership。

这里同时要注意， 自主和自私是不同的！有人来帮着做项目是好事。 如何有效利用他人的帮助， 也是自主能力的一部分。

这种待遇在别的公司会比较少。这也是为什么有工作经验之后，想面试进亚马逊难度反而会很高。

一般工作经验 3 - 5 年的人， 面试亚马逊 SDE II 失败率很高。 因为这个阶段的普通程序员是很少会做项目规划和系统设计的。

亚马逊的员工有很多从实习生就在做这些。反之也同理。

我听说过不少起亚马逊 SDE II 跳槽到微软当 Principal Engineer 的事情。

当然并不是所有组都是这么好。 这点之后会详细讨论。

How Much Will You Spend in Retirement?

Here is the link.

在亚马逊 (Amazon) 公司工作是怎样一番体验？ (Series 3 out of 10)

Soft skills

作者：GXSC
链接：https://www.zhihu.com/question/24614033/answer/497338972
来源：知乎
著作权归作者所有。商业转载请联系作者获得授权，非商业转载请注明出处。

Soft Skills


Soft Skill下列出的那些管理技术和交流技术并没有错。 Soft Skill 不是 IT 行业产生的, 用来区分于technical skill。

我经理有次告诉我， 这个概念应该是来源于军队或者制造业。

早在1950年左右 Soft Skills 的概念就出现了。 1972年曾经军队开过专门关于 Soft Skills 的讨论会。 当时 IT 行业还不存在。

Soft Skills 的定义是“难以测量的技能”（比如你的工厂里的人是否融洽）。

它相对的其实就是Hard Skills（而不是网上说的technical skills）， 就是一些“可以测量的技能”（比如你一天生产量是多少之类的）。

虽然难以测量， 因为Soft Skills是一些技能， 所以它们还是可以通过学习、锻炼来获得提高的（相对于天赋）。

这些技能是有系统的， 有专业的（管理能力、行为影响能力、政治能力等所相对的学科：管理学， 心理学，政治学 ）。 所以它们也可以说是technical的。


写程序容易懂

这种设计方面的技能.

因为难以测量， 所以是一个Soft Skill. 但是这个技能可以通过不断地锻炼和学习来提高。

软件架构


架构就是所谓的 Architecture。 这个词是从建筑学来的， 在软件行业里被滥用 。

我很长时间都不信这个词。 其实这个词还是有用的，它指的是把资源、空间以某种方式分配， 让在这之上的设计自然趋向于好的。

两个组距离远， 系统耦合度就小， 就是其中一个例子。 如果我们希望某些系统能融合， 把开发它们的小组并到一起就好。 如果我们想分割一个系统， 就把开发它的组员分成不同的小组。

架构也可以是电脑相关的工具， 比如用 functional language 去写一个系统会让组员更多去思考运算， 更少去思考物件（更有可能会招不到员工）。

现实中， 分组、合组都是很复杂的事情。 这关系到大组结构的影响.

怎么说服别人，怎么用人， 怎么调整过程中和之后的人际关系，怎么调整每个组的开发流程，怎么定义每个组的职责等等。这些技术往往是无法直接测量能力高低的，比如管理技术和交流技术。属于Soft Skills的范围。

设计上的容易懂都是需要Soft Skills的.

每个 Soft Skill 都是一门技术. 我们更有效地去探索其中的机制,  通过实验得出的结论， 而不是单纯地利用直觉（intuition）、好的意向（good intention）、和“成功人士”讲的“道理”。

比起从建筑学、工程学借用一些工具， 软件开发其实更适合借用心理学、社会学、管理学、经济学、以及政治学里的工具。 大概因为建筑学和工程学的媒介（比如木头）和限制（比如万有引力）， 都来源于物理。 而软件的媒介（想法）和限制（思考方式）， 都来源于人的思想。

比如我们之前提到， 软件设计最重要的是"容易懂"。

"容易懂" 是认知心理学的概念(cognitive ease) 。 通过学习认知心理学， 我们能够有机制地让软件更容易懂， 而不是单纯地借助直觉。

Conway's Law， 它提到软件结构通常来源于部门的交流结构。这是社会学的范围。 通过学习社会学， 我们可以有机制地优化部门之间的交流模式。

SDE II 之后 technical path 最需要的是系统地学习 Soft Skills , management path 也得学。

大多数亚马逊成功的 SDE III 的 Soft Skills 都是比较强的。 尤其在沟通能力和处理人之间的矛盾上， 他们大多都很有天赋。

这方面的天赋不强， 作为技术来学了。

SDE III 的职业发展可以参考 Daniel Kahneman 的《Thinking, Fast and Slow》。

Actionable Items

I spent a few minutes to simplify the structure of content. The article was written to mix arguments and statements and facts together.

Peopleware: Productive Projects and Teams

Here is the wiki article to read.

在亚马逊 (Amazon) 公司工作是怎样一番体验？ (Series 2 out of 10)

Here is the article.

作者：GXSC
链接：https://www.zhihu.com/question/24614033/answer/497338972
来源：知乎
著作权归作者所有。商业转载请联系作者获得授权，非商业转载请注明出处。

 关于薪酬

SDE I 其实在很多地方都是看作是暂时的一个角色， 不可长久。 一旦自主能力开发好了， 就是 SDE II。

SDE I 如果做得好，顶多底薪增加1.9%左右（我第一年好像只涨了0.1% 还是多少）。 但是SDE II 做得好， 底薪可以每年增长 6% 左右（少数可以增长8% - 13%）， 直到增长到 SDE II薪水封顶。

SDE II 开始， 薪水慢慢向股票 ( RSU )转变。 亚马逊给股票时会假设, 明年这个股票会涨。每年给的股数可能都比去年少。 最后交税时还是可以看到每年钱在往上涨的。

SDE II 开始每个级别薪水区间可以很大。西雅图有的 SDE II 可能一年就 10 多万，有的可能20多万， 有的接近30万。这与亚马逊股票浮动关系很大。

总之至少2018年， 就我个人了解：

SDE I: 13万 - 15万
SDE II: 14万 - 28万
SDE III: 16万 -

Principal Engineer:
据说比同级别的经理赚得多...


在美国， 员工之间讨论薪酬是被 National Labor Relations Act 保护的。 阻碍员工讨论薪酬是违法的。 所以大家也可以入职之后找同事了解一下别人的薪酬。

薪酬隐私化是美国传统企业为了削弱员工的议价能力而制造的文化。 但是如果你的同事不想讨论， 还是要尊重别人的。

亚马逊应该是喜欢留那些以长远目光看问题的人。贝索斯曾经说，如果你计划做得长，竞争对手就少。大多数竞争对手都在看每3个月的财报，少数可以以三五年做计划。如果你做计划做到12年以上，就没有人跟你比了。

只要你愿意放长线， 亚马逊给的报酬还是还可以的。

一个员工是 2012 年大学毕业入职，4万 的 signing bonus, 在 2016 年全部 vest 时就已经成了 20多万。2018年，就是40万了。

长期的职业发展比这些短期的薪酬要重要。

作者：GXSC
链接：https://www.zhihu.com/question/24614033/answer/497338972
来源：知乎
著作权归作者所有。商业转载请联系作者获得授权，非商业转载请注明出处。

在亚马逊 (Amazon) 公司工作是怎样一番体验？ (Series 1 out of 10)

Here is the article.

最开始工作时我喜欢做些operations方面的苦活。因为当时觉得在西雅图10来万年薪已经很高了。组里大家不想干的活我就多做点才对得起这工资。当时组里同事对这个做法经常表示不解...因为一般当时最好的项目开发的活一般都是给实习生和SDE I做的。 这样可以让这些新人多写code， 在做code review的时候就可以更方便培养他们的设计灵感。 当然这些我当时都不懂。 我当时看我们SDE III一直在干一些又累又没人欣赏的脏活累活， 所以我也干。
那个组做的系统当时并不容易理解。 问题也多。我入组之前据说每晚得手动重启才不会把内存跑没。但是我反正新手， 也不知道问题所在。 我还以为干这行就是这样。

作者：GXSC
链接：https://www.zhihu.com/question/24614033/answer/497338972
来源：知乎
著作权归作者所有。商业转载请联系作者获得授权，非商业转载请注明出处。

My analysis

I have to learn some basics from the article. SDE I vs SDE III is very good topic to look into. 

Top Investment Ideas for Retirement

Here is the link.

2:15/ 48:23
Vanguard total stock market ETF VTI
March 9, 2017

Analyst rating
Gold

Nav
$121.54

Last Price
$121.60

Expenses
0.05%

Total Assets
$75.8 Bil

Valuation Rating
Faily Valued

10-Yr Annualized TR (Price)
7.82%

Category
Large Blend

SEC Yield
1.86%

3:39/ 48:24

Vanguard high dividend yield ETF VYM
March 9, 2017 $78.39

10-Yr Annualized TR (Price)
7.65%

Retiree Roundtable: Lessons Learned

Here is the link.

Linkedin profile study

Feb. 18, 2019

Introduction

It is my personal finance research. I have to go over all my paper work again and again, and try to category those paper work into small projects I can work on. First time I looked into the manager profile on LinkedIn after more than 6 months of my onsite interview in the city of Seattle, USA. I need to push myself to learn Amazon leadership principles.

Linkedin profile update

Feb. 18, 2019

Introduction

It is my personal finance research year. I do not intend to advance myself to top 10 - 15% performance on Leetcode weekly contest in next 6 months, but I focus on my personal finance research. But  I still keep finding short projects to work on related to data structure and algorithm research and development.

LinkedIn profile update

I need to update my linkedin profile based on the sample profile from my linkedin profile research based on weekly contest performance research.

Here is the template I like to follow.

I need to add Honors and awards section, courses section, test scores section.

Maximize Guaranteed Income in Retirement

Here is the link.

Benz: Building Your Retirement Portfolio

Here is the link.

This is an excellent teaching and learning for me. I like to write down some notes in the following:

26:46/ 47:56
Bucket maintenance example
- retiree needs $40,000 in cash flow from $1 million portfolio to re-fill bucket 1 in 2016
- 60% S& P 500/ 40% bond portfolio yields $21,186 in 2016
- Portfolio also has capital return of $105,800 in 2016
- Retiree's $40,000 cash flow distribution comes from
  - $21,186 in income
  - $18,814 from capital return/ rebalancing
- Retiree reinvests remaining $86,986 of 2016 capital return

Benz: 5 Fund Picks for Conservative Retirees

Here is the link.

It is hard for me to parent myself

Feb. 18, 2019

Introduction

It is my personal finance research topic. Today I have to stay at home to process my personal business, one thing is to handle lease agreement with my Florida Boca Raton rental, and another thing is to handle my personal finance learning.

Hard to parent myself

I like to go out and meet those old friends on Burnaby tennis court to play some tennis. But I choose to stay at home and learn more about personal finance from Morningstar inc Christine Benz. Here is the video link I am watching.

Our Favorite Funds for Retirement Portfolios

Feb. 18, 2019

Introduction

It is my statue holiday called family day. I spend time to stay in my home office and then learn something related to personal finance. Here is the video.

Retirement fund

I did three startup companies in United States. In every job, I rushed to pay as much as possible into my 401 K account. I need to get organized and then look into how to get educated related to 401 K fund and IRA accounts.

It is long road for me to catch up. I start to learn from so many people and open to a new world of people who shares good content.

I start to work on my personal finance from Nov. 2018.

I sold all possible big gains mutual funds, stocks in recession 2002 and 2009. I tried to focus on Canada immigration case in 2009 only.

Grow rich is so painful experience

Feb. 18, 2019

Introduction

It is my personal finance research. In order to solve problem of housing problem in Canada, I have to push myself to work on personal finance research starting from Nov. 2018. After more than four year research on data structure and algorithm, I believe that I learn how good a research can be. I like to push myself to learn various topics, and also I need to push myself to case study so many things in my past and existing experience. Grow old is not to grow rich. Grow rich is not automated, I have so many struggles and painful experience, I have to push myself to learn how to save money, and find time to work on my own personal finance business highest priority first time in my whole life.

Why it is so painful?

I have to face the reality. It is easy to be nice but that means I have to pay the other person's bill. I have to learn how to defend my own interest.

I stopped netflix monthly subscription in January 2019. Even though I did not have time to watch a lot of show, I did subscribe over 4 years. My English reading is not so good, I start to watch youtube.com videos first, and then I start to read articles related to personal finance.

I park the saving on 1.8% interest on Scotia bank saving account, but I have to think about carefully. If I like to invest some money on stock long term, I am better to take tax advantage and put it into RRSP first.

I park those 401 K account and IRA account on money market fund and low interest rate less than 2.0% from 2016 to next six years. I plan to spend next six month to learn another 1000 hours personal finance first, and then I should come out some good ideas how to take action.s

I worked full time last eight years nine month. I have not come cross one single good idea to invest based on my savings. I just could not believe that how good those deals are. I was so ashamed to learn those research related to Chilliwack condos and the price from 2010 to 2015.

All my attentions are drew away from Canada to my mom and my siblings and those relatives in China from 2010 to 2018, friends in USA. I should focus on low income jobs, and how to work on my limited income and savings, and develop strong determination to build wealth instead.

Follow up 

January 11, 2020 3:05 PM
It is important lesson for me to learn related to my USA 401 K and IRA accounts. From 1999 to 2019, I have 20 years to learn how to invest, but I did not take any initiate and developed any curiosity in terms of investing, risk, portfolio management. My behavior economics is below the average, worst case in the world.

It was the reality I had to face, as a 53 years old, I have to be patient to myself. Start slow, and read every day, and write down what I have read and continue to develop interest to learn.

Why it's important to be a tax-efficient investor - Vanguard

Here is the link.

Dispute of home ownership

Feb. 18, 2019

Introduction

It is my personal finance research. I have to push myself to learn and how to improving my living condition in Canada. I started to dispute with my sisters and my brother about home onwership of a condo in the city of Yichun, jiangxi province.

How to dispute?

In order for me to dispute the ownership, I have to push myself to gather those financial data, and also I need to discipline myself to be responsible to my own home, even if I am a single person. I have to push myself to learn how to stay away and keep distance with so many siblings in China as well.

It is also the time for me to learn how China government to take care of elder retiree and their family as well. I learn a few facts and totally I was surprised those benefit. I was totally angry the behaviors from my elder sisters and brother.

It is my personal finance research. I like to push myself to figure out how many things in the issue?

I decide to dispute and try to push myself to learn and improve my living condition in Canada.

Financial facts

I put together and review those finance data.

Here is my blog I paid all expenses, including all interior design first year purchase. The time range is from 1998 to 2001.

Here is western union transfer I paid to support my mom from 2010 to 2018. I was in Canada and without a purchased home owned by myself. I set highest priority to pay my mom, support her. She owned a home and with retirement income.

Create a Lean, Mean Tax-Efficient Machine

Here is the link.

Harold Evensky

Here is the wiki page.

Evensky: Strategies for Securing Your Retirement

Here is the link.

Long term care and related issues

Feb. 18, 2019

Introduction

It is my personal faith from Bible teaching. I like to honor my mom, I paid my sister to support my mom every year $1000 dollars from 2010 to 2017, and then I spent thousands dollars on vacation from 2012 to 2017. My finance is the disaster, I start to investigate the issue starting from Nov. 2018.

Things I learn

I spent time to take vacation and learned a few things related to long term care. How we supported my mom and got her senior years living with people help.

Case study: Where I spend money from 2010 to 2019?

Feb. 18, 2019

Introduction

It is hard for me to adapt to be a Canadian. I did my personal finance research, and I like to case study and try to figure out how I can push myself to learn how to survive in Canada. I have worked full time in Canada 8 years 9 months, I like to push myself to learn more about personal finance and conduct my case studies.

Case study

I did my vacation study, I spent five vacations to China from 2012 to 2018. I told my brother and sister on December 2018, since my mom passed away in Nov. 2017, I will no longer take vacation to China. I like to be independent and find ways to have my own housing in Canada.

Case study of my airline ticket expense, here is the link.
Case study of 2012 vacation in China, here is blog first 24 months in Canada.
Case study of 2014 vacation in China, California, Florida, Philadelphia. 
    Here is the blog of vacation to California. 
    Here is the blog of vacation to Philadephia. 
Case study from 2010 to 2019 clothing expense, here is the link. 
Case study of wanted not needed on citi credit card. Here is the link. 
My sponsor application project management. Here is the link. 
How much I paid coach May 2018? Here is the link. 
My car maintenance. Here is the blog.
My saving rate from 2010 to 2018. Here is the blog.

Actionable Items

I need to learn how to avoid scam, and also I need to limit myself to reduce risk, avoid renting the car, drive less, and also need to learn where the opportunity for me to invest with a moderate income as a software programmer.

Morningstar youtube channel

Feb. 18, 2019

Introduction

It is my personal finance research. I started from Nov. 2018, and after hundreds of hours research, I finally start to find my favorite learning channel - Morningstar, and I specifically like personal finance director Christine Benz and her good teaching style in her article and her presentation in in the interview.

Computer science graduate admission investigation

Feb. 18, 2019

Introduction

I am the sponsor and try to help my nephew to immigrant to Canada. We are moving forward, we just finished DNA test, and then the principal applicant got procedure fairness letter and sent the document requested by the office. He also took computer science graduate admission test this 2019. I spent over one hour to look into the computer science ranking in China, and he applied Hunan university, ranking 40 on computer science major.

Work with Canada immigration Hong Kong office

Feb. 18, 2019

Introduction

I am the sponsor, and I work with principle applicant on his application. He got a procedure fairness letter on Feb. 1, 2019. He has 30 days to send in the document requested. Last December he send in through the mail but he did not include letter from Hong Kong office, and he did not include his application number.

Super patience

I also have to push myself learn how to communicate with hong kong office related to principal applicant. I sent an email to query the case but the office sent back to me an email saying that I am not authorized to communicate with principal applicant's issue. I wrote the email to thank Hong Kong office for procedure fairness letter.

Create a Portfolio You Don't Have to Babysit

Here is the link.

It is one hour video. I like to learn from the presentation. It is best learning and I feel like I have to push myself to learn more. One thing I can do is to write down those four steps.