Saturday, October 5, 2019

1218. Longest Arithmetic Subsequence of Given Difference

Here is my discussion post.

It is easy to tell that the problem can be solved using dynamic programming solution. Since the length of array is 10^5, so if it is not linear, N^2 will be 10^10, I guess timeout will be a problem.
Here are highlights:
  1. Take time to think about subproblems, dynamic programming solution;
  2. My idea is to use extra space to save each value and its maximum length in prefix array;
  3. Once I figure out step 2 to track prefix array each value with its maximum length hashmap, take time to write and test the code;
  4. I made mistake to forget else case in second if clause in for loop; I need to push myself to test using my own test case first. Do not rely on Leetcode online judge.
public class Solution {
    public int LongestSubsequence(int[] arr, int difference) {
        var length = arr.Length; 
        
        // key - value
        // value - longest subsequence
        var dict = new Dictionary<int, int>(); 
        var dp = new int[length];
        
        for(int i = 0; i < length; i++)
        {
            var current = arr[i]; 
            var previous = current - difference; 
            int currentMax = 1; 
            
            if(dict.ContainsKey(previous))
            {
                currentMax = 1 + dict[previous];
            }
           
            dp[i] = currentMax; 
            
            if(dict.ContainsKey(current))
            {
                var previousLength = dict[current];
                if( currentMax > previousLength )
                {
                    dict[current] = currentMax; 
                }                
            } 
            else
                {
                    dict.Add(current, currentMax); 
                }
        }
         
        
        return dp.Max(); 
    }
}


1046. Last Stone Weight

Here is my discussion post.

The algorithm can be solved using minimum heap. To convert maximum two numbers to minimum two numbers, negative value is used instead.
Here are highlights:
  1. Understand C# SortedDictionary can be used to impelement minimum heap first;
  2. Apply all ement value to negative one, so maximum heap turns into a minimum heap problem;
  3. Get familiar with IEnumberable First API and it can be used to get the minimum one from the heap.
public class Solution {
    /// <summary>
        /// Oct.4, 2019
        /// Implement a maximum heap - 
        /// what I can do is to use negative value 
        /// </summary>
        /// <param name="stones"></param>
        /// <returns></returns>
        public int LastStoneWeight(int[] stones)
        {
            var sorted = new SortedDictionary<int, int>();

            // put all numbers into minimum heap - default - negative value
            foreach (var number in stones)
            {
                var key = number * (-1);
                if (!sorted.ContainsKey(key))
                {
                    sorted.Add(key, 0);
                }

                sorted[key]++; 
            }

            while (!((sorted.Keys.Count == 1 && sorted[sorted.Keys.ToList()[0]] == 1) || sorted.Keys.Count == 0))
            {
                // get minimum two values from minimum heap
                var key = sorted.Keys.First();
                var hasAtLeastTwo = sorted[key] > 1;
                if (hasAtLeastTwo)
                {
                    sorted[key] -= 2;
                    if(sorted[key] == 0)
                    {
                        sorted.Remove(key);
                    }
                }
                else 
                {
                    var minimum = key;
                    sorted.Remove(key);
                    var next = sorted.Keys.First();
                    sorted[next]--;

                    if (sorted[next] == 0)
                    {
                        sorted.Remove(next);
                    }

                    var diff = Math.Abs(minimum - next);
                    var newKey = diff * (-1);

                    if (newKey == 0)
                        continue;

                    if (!sorted.ContainsKey(newKey))
                    {
                        sorted.Add(newKey, 0);
                    }

                    sorted[newKey]++;
                }                
            }

            if (sorted.Keys.Count == 0)
                return 0;

            return sorted.Keys.ToList()[0] * (-1);
        }
}


Friday, October 4, 2019

Jim O'Shaughnessy: "What Works on Wall Street" | Talks at Google

Here is the link.

What it takes to be a successful active investor. Hint, it’s much harder than you think. Contrast active and passive equity investing. Risk/rewards. Conclusion—Investors who do not have the following traits and emotional quality should index their portfolios. I find they are the majority of investors today. Also discussion of points of failure for passive and active investors. What traits and emotional characteristics are required to succeed as an active investor? A true long-term perspective on their investments. Discussion of Evolution and why it hampers long-term thinking. Discussion of behavioral biases that hamper successful long-term active investing. Power Point illustrations. Successful active investors value process over outcome. Short-term focus of investors is killing returns. Why you need access to truly long-term data to make intelligent choice. Successful active investors generally ignore forecasts and predictions. Discussion of studies proving forecasts and predictions are virtually worthless; illustrations documenting the failure of forecasts; both within markets and in outside professions. Successful active investors are patient and persistent. Discussion of great investors who may have very different styles, but all share the trait of patience and persistence. Successful active investors have a strong mental attitude. Successful investors are made, not born. Discussion of how successful active investors have a mental attitude bordering on stoicism; how they control how they interpret the world. Tools to use to help you succeed as an active long-term investor. Long-term data uncovered by What Works on Wall Street that you can use to guide your investment strategy. The importance of value; momentum; financial strength and earnings quality in putting together your portfolio. A highlight of stocks with high versus low shareholder yield (Cash dividend %+Bet Buyback %); it’s efficacy since the 1920s What NOT to own, lottery stocks versus the market. The importance of a stock’s market capitalization—the most profitable stocks come from the smallest part of the market (Micro cap stocks) Putting it all together—should you be an active or passive investor? Weight of the evidence for passive and active investing Which type of investor are you? Getting the best out of the style you choose. Discussion and Q/A.

My notes:

Recency bias, availability bias, overconfidence bias

Fortune magazine, 2000, 10 stocks, next 10 year - 2 of them Nortel, Enron, -27%, vs index 116% S & P 500



54:11
The only 5 fears we all share
1. extinction
2. mutilation
3. loss of autonomy
4. separation
5. ego-death


Thursday, October 3, 2019

Hospital visit - 3 hour visit

Oct. 4, 2019

Introduction


It is tough decision for me to visit a friend in the hospital in Everett city in Washing state. I learned from a sister in the church, and she told me that she visited once a week. I understood that I also like to serve people who needs help, specially a person in Chinese community.

3 hours visit


I stopped by the hospital and then have my first visit on the road trip from Bothell to Vancouver on Oct. 3, 2019. Life is so challenging, my friend back in Florida and palm beach country Chinese christian church back around year 2000 has brain cancer and he went to hospital this July, the same cancer John Mccain had a few years ago.

Life is so tough since he could not move his left part of body, and he stays inside the room last 2 months, and he has not went out his room even once.



My birthday celebration with friends

Three things learned about GPS

200 minutes road trip | Google grace hopper event in 2019 | Three hours road trip | Blessing of birthday trip

我这篇是写小说或者散文或者是纪实, 讲一个真实故事, 联络无数微信的朋友。久违的陌生的, 或者是在苦苦挣扎, 经济上, 学业
上, 健康, 或者与疾病做生死挣扎。我一个人开车从晚上九点十五分钟开始, 到凌晨12点30分终于到达目的地。先是2009年买的GPS 没有信号, 开始找Wi-Fi, 加油站, 打手机国际长途, 从西雅图, 穿过湖到Redmond, Renton, 到晚上12点才明白需要下载离线地图, 用Google map 才找到目的地。12点已经想睡觉。美国都市晚上都没有地方可去十点之后, 我找加油站, 找上网, 用的是xfinity 免费一小时, 只有加油站有信号。我要学习功课太多了。平时出门太少。对一个城市不了解。12点之后打瞌睡开车只好祷告求救。我没有想到参加谷歌的活动, 我这段三个半小时经历, 体会美国最繁华发达高速公路。仅次于硅谷。高速几乎到处我一个人压马路。没有雪和冰, 最美季节。给自己生日最好旅游。以往在北京看中网庆祝。

 This article is about writing a novel or an essay or a documentary, telling a true story, and contacting countless friends on WeChat. A stranger whom I haven’t seen for a long time, or who is struggling financially or academically.

on, health, or a life and death struggle with disease. I started driving alone from 9:15 in the evening and finally arrived at my destination at 12:30 in the morning. First, the GPS I bought in 2009 had no signal. I started looking for Wi-Fi and gas stations, and made international long distance calls on mobile phones. From Seattle, I crossed the lake to Redmond and Renton. It wasn’t until 12 o’clock in the evening that I realized that I needed to download an offline map and used Google Maps to find it. destination. Already want to sleep at 12 o'clock. There is no place to go after ten o'clock at night in American cities. I looked for gas stations and Internet access. I used xfinity for free for one hour. Only gas stations had signals. I have so much to learn. I usually go out too little. Don’t know much about a city. I fell asleep while driving after 12 o'clock, so I had to pray for help. I didn't expect to participate in Google's event. During this three-and-a-half-hour experience, I experienced the most prosperous and developed highway in the United States. Second only to Silicon Valley. I drive almost everywhere on the highway alone. There is no snow or ice, the most beautiful season. It’s best to travel for your birthday. In the past, we celebrated and went to China open tennis tournament in Beijing.





Follow up 

June 3, 2021
  1. Add more content in the title;
  2. Old title: 200 minutes road trip;
  3. New title: Add more:  | Google grace hopper event in 2019 | Three hours road trip | Blessing of birthday trip;
  4. Get Google 4 pixel 5G phone, and understand the importance to manage storage of mobile phone, get 120 GB one; download free GPS app and use it more often;
  5. Spend time to watch Google I/O 2019 videos. Learn more about Google and how Google apps help so many people in terms of product design, marketing etc. 

Follow up 


Sept. 13, 2023
I did not have offline map to Bothell, WA on my mobile phone, and I only had Rogers pay as you go plan, and I could not find wifi, so I tried several gas stations and got some help. 

Finally after 12:00 AM, I installed offline map on my mobile phone and drove to my friend's house. 

我这篇是写小说或者散文或者是纪实, 讲一个真实故事, 联络无数微信的朋友。久违的陌生的, 或者是在苦苦挣扎, 经济上, 学业
上, 健康, 或者与疾病做生死挣扎。我一个人开车从晚上九点十五分钟开始, 到凌晨12点30分终于到达目的地。先是2009年买的GPS 没有信号, 开始找Wi-Fi, 加油站, 打手机国际长途, 从西雅图, 穿过湖到Redmond, Renton, 到晚上12点才明白需要下载离线地图, 用Google map 才找到目的地。12点已经想睡觉。美国都市晚上都没有地方可去十点之后, 我找加油站, 找上网, 用的是xfinity 免费一小时, 只有加油站有信号。我要学习功课太多了。平时出门太少。对一个城市不了解。12点之后打瞌睡开车只好祷告求救。我没有想到参加谷歌的活动, 我这段三个半小时经历, 体会美国最繁华发达高速公路。仅次于硅谷。高速几乎到处我一个人压马路。没有雪和冰, 最美季节。给自己生日最好旅游。以往在北京看中网庆祝。

 This article is about writing a novel or an essay or a documentary, telling a true story, and contacting countless friends on WeChat. A stranger whom I haven’t seen for a long time, or who is struggling financially or academically.

on, health, or a life and death struggle with disease. I started driving alone from 9:15 in the evening and finally arrived at my destination at 12:30 in the morning. First, the GPS I bought in 2009 had no signal. I started looking for Wi-Fi and gas stations, and made international long distance calls on mobile phones. From Seattle, I crossed the lake to Redmond and Renton. It wasn’t until 12 o’clock in the evening that I realized that I needed to download an offline map and used Google Maps to find it. destination. Already want to sleep at 12 o'clock. There is no place to go after ten o'clock at night in American cities. I looked for gas stations and Internet access. I used xfinity for free for one hour. Only gas stations had signals. I have so much to learn. I usually go out too little. Don’t know much about a city. I fell asleep while driving after 12 o'clock, so I had to pray for help. I didn't expect to participate in Google's event. During this three-and-a-half-hour experience, I experienced the most prosperous and developed highway in the United States. Second only to Silicon Valley. I drive almost everywhere on the highway alone. There is no snow or ice, the most beautiful season. It’s best to travel for your birthday. In the past, we celebrated and went to China open tennis tournament in Beijing.




Case study: Amazon stock

2018 年 9 月 4 日,亚马逊以 2026.50 美元开盘,盘中达到 2050.50 美元,这使亚马逊成为继苹果以来美国第二家市值突破万亿的公司。自 1997 年 5 月亚马逊上市以来,亚马逊的市值从 4 亿美元上升到1 万亿美元,增长了将近 2500 倍。从 1997 年 12 月到 2014年 12 月,亚马逊股价从 5 美元上涨到 310 美元,从 2014 年 12 月以后,亚马逊股价开始加速上涨,在 2018 年 9 月股价突破 2050 美元。

Here is the article. I will take some notes later. 

Seattle road trip on Oct 2. 3, 2019

Oct. 5, 2019

Introduction


It is my favorite road trip to Seattle. I spent two days on the road trip to Seattle. I like to write something for my road trip.

Road trip 

Lesson learned - Google map offline map

GHC meeting in Google office lake union

Oct. 3, 2019

Introduction

I like to write a blog to share my such great experience to attend GHC meeting on Oct. 2, 2019.


Tuesday, October 1, 2019

#4 - 10 DISTINCTIONS BETWEEN MILLIONAIRES AND THE MIDDLE CLASS PEOPLE - PART 2

Here is the link.

Distinction # 7 Millionaires think long term The middle class thinks short term. Distinction # 8 Millionaires take calculated risks.  The middle class is afraid to take risks. Distinction # 9 Millionaires embrace change. The middle class is threatened by change Distinction # 10 Millionaires believe they must be generous. The middle class believes they can’t afford to give. 

#3 - 10 DISTINCTIONS BETWEEN MILLIONAIRES AND THE MIDDLE CLASS PEOPLE - PART 1

Here is the link.

#3 - 10 Distinctions between millionaires and the middle class people - Part 1 Distinction # 1 Millionaires ask themselves empowering questions. The middle class ask themselves disempowering questions. Distinction # 2 Millionaires focus on increasing their net worth. The middle class focuses on increasing their paychecks. Distinction # 3 Millionaires continually learn and grow. The middle class thinks learning ended with school. Distinction # 4 Millionaires talk about ideas. The middle class talks about things and other people. Distinction # 5 Millionaires work for profits. The middle class works for wages. Distinction # 6 Millionaires have multiple sources of income. The middle class only has one or two.

13 Surprising Facts from 100 Millionaire Interviews and What We Can Learn from Them

Here is the article.

1. Most millionaires have high incomes, but it hasn’t always been that way.
The median annual income of my 100 millionaires was $250k.
Millionaires do earn higher than average incomes?
The main reason millionaires earn more is that they are great at growing their careers. 
They know that just a bit of extra, focused effort can make a huge difference in how much they earn over time (which is literally millions). As a result, they invest time and energy to grow their careers and the skills needed to get ahead.
Many nay-sayers will object to these findings and thus begin making excuses why they can’t be a millionaire. 
A common example is something like this: “If some guy/family makes $250k plus a year, that’s a no brainier….I could do that with no investment risk and free cash flow unless I was an idiot” (from my post titled How to Ignore the Basics of Personal Finance and Still Become Rich).
First of all, no, that’s incorrect. A large income alone does not guarantee a high net worth. 
There’s no correlation between income and wealth. 
Millionaires have been earning this much throughout their careers. It is not true. 
Most millionaires started with very modest incomes and advanced over time.


10 Differences Between Middle Class And Rich People

5. The middle class work to earn, the rich work to learn

“When you are young, work to learn, not to earn.”
-Robert Kiyosaki

The middle class are easily persuaded to change jobs when someone offers more money. The rich understand that working isn’t about the money, especially in the early years. It’s about developing the skills and traits you need to develop to become rich. That may mean working a sales job to better understand the world of selling. Or it could mean you work at a bank to better understand accounting. If you want to be rich, you should be working to learn the skills you need to become rich. Most rich people didn’t get there by earning a high salary.

Learn to write 


The middle class ->  more money -> change jobs -> easily persuaded
working isn't about the money 
the rich thinks working is to learn. Specially in early years. 
Develop the skills and traits -> The rich thinks about that. 

Most rich people didn't get there by earning a high salary. 

10 Differences Between Middle Class And Rich People

Here is the article.

9. The middle class underestimate their potential, the rich set huge goals

The middle class set goals. Sometimes. It’s the capacity of the goals that differ from the middle class to the rich. The middle class set safe goals that are easily obtainable. The rich set goals that seem impossible, difficult or crazy. But they know they are achievable. It all comes back to having the proper mindset.
When you’re setting your goals, ask yourself if they could be bigger. Ask yourself if that’s really all you can do or if you can do more. I think you can do more.


What The Middle Class Doesn't Understand About Rich People

5. The wealthy carefully monitor their associations.

People with high-level formal education like to associate with the academic elite. Physically fit people enjoy spending time with others who are fit. Religious people like to have fellowship with people of faith. And rich people like to associate with others who are rich.
Like attracts like, yet the wealthy are often criticized for having a closed inner circle that is almost impossible to break into unless you are rich. Successful people generally agree that consciousness is contagious, and that exposure to people who are more successful has the potential to expand your thinking and catapult your income. We become like the people we associate with, and that’s why winners are attracted to winners.
Set a goal to double the amount of time you spend with people who are richer than you. Who knows, it might just make you rich.

Learn to write - one statement a time

The wealthy are often criticized for having a closed inner circle that is almost impossible to break into unless you are rich. 
inner circle -> a closed inner circle -> impossible to break into -> you are rich 

Learn to write - one statement a time

Successful people generally agree that consciousness is contagious, and that exposure to people who are more successful has the potential to expand your thinking and catapult your income. 
contagious, what is contagious? consciousness 
exposure to people -> thinking, your income, -> work on your thinking -> expand your thinking
your income -> catapult -> catapult your income

Understand wealthy and middle class: The wealthy are comfortable being uncomfortable

Here is the article. 

Few people in the middle class really understand the mindset of the richest people.
After all, if they did, they would be among the top earners as well. We’ve all heard the remarks: Rich people are lucky, rich people had an unfair advantage, rich people are crooks, rich people are selfish, etc. These are mostly empty statements with little proof to back them up.

1. The wealthy are comfortable being uncomfortable.

Most people just want to be comfortable. Physical, psychological, and emotional comfort is the primary goal of the middle-class mindset.
The wealthy, on the other hand, learn early on that becoming a millionaire isn’t easy, and the need for comfort can be devastating. They learn to be comfortable while operating in a state of ongoing uncertainty. The great ones know there’s a price to pay for getting rich, but if they have the mental toughness to endure temporary pain, they can reap the harvest of abundant wealth.
It’s not comfortable for a millionaire in the making to forge ahead when everyone around her is negative, cynical, and unsupportive, yet those who can push forward are rewarded with riches for the rest of their lives. Make a list of the five things you must do today that are uncomfortable but will help you build your financial fortune.

Learn to write

Mindset - middle class - comfortable - three areas: Physical, psychological, and emotional comfort
goal -> primary goal -> middle-class -> middle-class mindset -> let us combine together, primary goal of middle-class mindset 
Five thing to build financial fortune, but uncomfortable:
1. Say that I want to be a millionaire before my 53 years old birthday
2. List three area to work on, USA, Canada and China
3. So many things to learn in finance, stock, personal finance, and learn the basics of finance industry. 

What The Middle Class Doesn't Understand About Rich People

3. The wealthy are more confident.

The negative projections and derogatory labels placed on the rich are endless. One of the most common is that the rich are cocky, arrogant people who think they’re better than everyone else.
The truth is successful people are confident because they repeatedly bet on themselves and are rarely disappointed. Even when they fail, they’re confident in their ability to learn from the loss and come back stronger and richer than ever. This is not arrogance, but self-assuredness in its finest form.
The wealthy have an elevated and fearless consciousness that keeps them moving toward what they want, as opposed to moving away from what they don’t want. This often doubles or triples their net worth quickly because of the new efficiency in their thinking. Eventually they begin to believe they can accomplish anything, and this becomes a self-fulfilling prophecy. As they move from success to success, they create a psychological tidal wave of momentum that gets stronger every day, catapulting their confidence to a level so high it is often interpreted as arrogance.

Learn to write 


Here's How Rich People Choose Their Friends

Here is the article.

Wealthy parents have a different approach. Sure, they want their children to enjoy their years growing up. But they also know that building contacts, even as early as high school, can make the difference between a life of average success and one filled with uncommon opportunity. While most parents are hoping their kid becomes the quarterback of the football team or the most popular cheerleader, the rich are concerned about building the child's social infrastructure for the future.

The bottom line: Like attracts like. People with high-level formal education like to associate with the academic elite. Physically fit people enjoy spending time with others who are fit. Religious people like to have fellowship with people of faith. And rich people like to associate with others who are rich.

11 signs you will be a millionaire - You surround yourself with high-achieving people

You surround yourself with high-achieving people

“You are only as successful as those you frequently associate with,” Corley says.
Steve Siebold, self-made millionaire and author of “How Rich People Think,” agrees. “In most cases, your net worth mirrors the level of your closest friends,” he writes on Business Insider. “We become like the people we associate with, and that’s why winners are attracted to winners.”

11 signs you will be a millionaire - You're persistent

You’re persistent

“Most of us are good ‘starters’ but poor ‘finishers’ of everything we begin,” Hill writes in “Think and Grow Rich.” The majority of people “are prone to give up at the first signs of defeat,” he says, but not the rich, who don’t stop until they get what they want.
“If the first plan which you adopt does not work successfully, replace it with a new plan; if this new plan fails to work, replace it in turn with still another, and so on, until you find a plan which does work,” says Hill.

11 signs you will be a millionaire - You're decisive

Here is the article.

You’re decisive

After studying over 500 millionaires, journalist and author Napoleon Hill found that they’re decisive. As he writes in his 1937 personal finance classic, “Think and Grow Rich”: “Analysis of several hundred people who had accumulated fortunes well beyond the million dollar mark disclosed the fact that every one of them had the habit of reaching decisions promptly.
“Those who reach decisions promptly and definitely know what they want, and generally get it.”


Money rule - Start saving as early as possible

2. Start saving as early as possible

Time is your most valuable asset when it comes to saving for retirement, and the earlier you start saving, the easier it is to build a healthy nest egg.
Thanks to compound interest, your savings will snowball over time. So even if you don't have much to save when you're younger, simply getting started and stashing something for the future will pay off big time down the road. And the longer you wait to get started, the harder it will be to catch up.
Say you want to retire at 67 years old with $1 million in savings. If you start saving at age 25, you'd need to save around $375 per month to reach that goal, assuming you're earning a 7% annual return on your investments. If you were to wait until age 35 to start saving, though, you'd need to save around $800 per month to reach that same goal.
Additionally, even if you don't have much to save now, that doesn't mean you won't be able to bump up your savings in the future. It's easy to shove retirement saving to the back burner because you think saving what you have now won't amount to anything. But if you save a little now and then start contributing more once you get that raise, change jobs, etc., you'll still come out ahead compared to if you'd waited to save anything until you started earning more money.

Learn how to write - first paragraph

    time is asset -> time is most valuable asset -> time is your most valuable asset -> add when clause

    Add and clause -> the earlier you start saving, the easier it is to build a healthy nest egg. 
  nest egg -> a healthy nest egg -> build a healthy nest egg


Time is your most valuable asset when it comes to saving for retirement, and the earlier you start saving, the easier it is to build a healthy nest egg.

Actionable Items

Do not spend money on food. I should not spend money on parties. I should not be a party person. 

Money rule - Don't be too conservative with your investments

Playing it safe with your money may sound like the most practical thing you can do to establish a solid retirement fund. However, play it too conservatively and you may end up doing more harm than good.
For anyone who's not already a member of the super-wealthy club, one of the best ways to accumulate enough savings to reach millionaire status is to invest in the stock market. Now, that's not to say you should invest your life savings in that hot new tech start-up; instead, put your money in low-cost index funds and mutual funds.
Although the stock market will always experience ups and downs, these types of investments are a relatively safe bet over the long term. Over the course of several decades, you'll typically see average annual returns of around 6% to 10% with these investments.
Compare those returns, then, to the returns you'd see with a savings account or lower-risk investments like CDs and money market accounts. Even the best savings accounts have interest rates of around 2%, and the annual returns for CDs and money market accounts typically hover around 2% to 3%. At that rate, your savings may not even outgrow inflation – meaning your money could actually lose value the longer you keep it in these types of accounts.

Actionable Items

I found out my issue too conservative until March 2019, four months hundreds of hours research on personal finance. 


10 money rules that helped me become a millionaire at 28

Here is the article.

6. Live like you’re poorer than you actually are

The richer you become, the more frugal and low-key you should be. Too many young people waste money on things they don’t need — simply to show off to their friends or on social media.
There’s no shame in being young and poor. Drive a cheap car. Live in a modest home. Don’t eat out every day. Don’t buy clothes you don’t need (thanks to Mark Zuckerberg and Steve Jobs, wearing the same thing every day is cool). And then be the unassuming millionaire next door.
Once I became a millionaire, I purchased a six-year-old car and drove it for the next 10 years. After that, I leased a Honda Fit and drove it for three years. I still wear the same casual athletic clothes I wore in my 20s.

How to Become a Millionaire in One Year

Here is the article. 

5. Keep yourself open to learning

One of the characteristics that all the millionaire share is that they keep learning. Learning makes you expert and hence, enables you to make more money from your current business.
It also allows you to discuss different topics with others and helps you make new and knowledgeable friends. You do not need to have a teacher to learn things. Learning has become simpler and easier with time.
Read more and more books. Some of the popular books about business and finance include:
  1. The millionaire next door
  2. Poor dad and rich dad
  3. The intelligent investor
  4. Think and grow rich
  5. The richest man in Babylon
Listen to podcasts. Podcasts are a good way to learn things on the topics you are interested in. You can check them out on YouTube also.
Attend events and conferences. It is yet another way to increase your knowledge, meet different people, share your stories and listen to theirs.
Find out free and premium courses online. There are videos and courses on every skill you can think of learning. So, to upgrade your skills and knowledge and become a millionaire, you must enroll in one or two every month. Check out one of these popular small courses books (audio enabled) to becoming wealthy.

  1. Becoming Rich: A Method for Manifesting Exceptional Wealth (A Course in Manifesting)
  2. Rich Dad’s Guide to Becoming Rich Without Cutting Up Your Credit Cards
  3. 99 Minute Millionaire: The Simplest and Easiest Book Ever on Getting Started Investing and Becoming Rock Star Rich
  4. The Millionaire Booklet

Case study: work on Chinese millionaire dream

Oct. 1, 2019

Introduction


It is my personal finance research. I will celebrate my birthday this month, I will have 53 years old birthday. I like to work on a short research how to be a Chinese millionaire.

Case study


I have $30,000 Chinese yuan with less than 2% interest in China bank. I bought a condo back in 1999 for my mom, but I did not own anything after 20 years. 

I have to work hard, figure out how to invest in China. 

I cannot have Chinese cellular phone number since I am a Canadian citizen. I have emotion problems on spending, so I am afraid to go back to meet my siblings. I do not want to waste time and money on food, and vacation and leisure activities right now. 

I will figure out how to invest and then work on my dream. 


Case study: Work on my Canada millionaire dream

Oct. 1, 2019

Introduction


It is my personal finance research. I will celebrate my birthday this month, I will have 53 years old birthday. I like to work on a short research how to be a Canadian millionaire.

Case study


I did a short research first time how to be a millionaire today. I never thought about that I can have a million dollar asset in Canada. I just adopted frugal life style in March 2019.

Right now I set up my investment portfolio Victoria on questrade.com, my deposit is up to $50,000 dollars. And also I work on my RRSP, it is around $7,500 dollars.

How to be a millionaire? 


I need to learn how to double my asset? I have skills to be a software engineer, I work full time 10 years in Canada.

$57,500 -> one double -> $115,000 -> another double $230,000 -> another double $460,000 -> another double $920,000

I need to work on 4 double games. It is a long road for me to work on.



Case study: Work on US millionaire dream

Oct. 1, 2019

Introduction


It is my personal finance study. I will have birthday this month, I will celebrate 53 years old birthday. I am working on the millionaire study in USA. How can I be a USA millionaire?

Case study


I went to USA in 1996. I lived in USA from 1996 to 2010. This year my rental property value went up, the neighbor sold a few months ago $135,000 US dollars. I went back to set up my Par 401 K and Key Largo IRA, and also I plan to find some very good investment stock to purchase when recession comes.

How can I be a USA millionaire? One idea is to get a job from Facebook in MPK park. I went to Facebook onsite in August 2019, but I could not get an offer.

I know that wealth is like a tree, start from a seed. Right now, I have to figure out how many double games I should play in order to reach million dollars. Only three double away.

Here is the math:
$135,000 real estate
    35,000 IRA, 401 K and cash
-----------------
$170,000 US dollars
$170,000 -> one double -> $340,000 -> second double $680,000 -> third double $1,308,000

It is impossible that my condo will double the value. The property tax in Florida is 2%, and the maintenance fee is $250/ monthly.

Actionable Items


I never thought about from 2001 to 2010 that I may become a millionaire in USA asset. I went through difficult time in 2008, lived on home equity line, and then filed appeal leave for Canada skilled immigration case.

But if I have confidence no matter poor or rich, with/ without a job, I always work on research how to invest, work on personal finance research, actually in 2009, it is best time to invest my IRA and 401 K into US index fund.

I had net income over $110,000 US dollar from 1999 to 2001, but I did not learn enough about investment. Based on my research, ROSS store stock was around $2 dollars in 1999, but in 2019 the stock is around $100 dollars. If I learn how to analyze the business, then I will definitely will save all money on clothes, invest on ROSS stock.

Here is the blog I documented my 401 K contribution from 1999.



 



What Are the Traits of Exceptional Engineering Leaders?

Here is the link.


What if my current job requires me to solve Leetcode 600 algorithms?

Sept. 30, 2019

Introduction


It is my short research idea. What if my current job requires me to solve Leetcode 600 algorithms? How can I solve another 154 algorithms in short time period?

Case study


I definitely can tell the difference how fast I can complete a small project at work. How quickly I can write code using JavaScript, html and CSS, even though I have not written last six months.

I have some freedom to look into technologies I should adopt. But based on my experience, I think that through a lot of algorithm and data structure practice, I make so many errors, and experience so many difficulties, those are valuable for me to build my characters. I will become a strong problem solver.

One thing I learn from string search algorithm KMP algorithm. It takes so many hours for me to understand the algorithm. My reading skills cannot catch up, I tried to work on wiki article of KMP algorithm, but I could not figure out.

I like to look into this short research topic.