Work on easy level array algorithms

Oct. 29, 2019

Introduction

It is time to celebrate my 9th easy level array tag algorithm completed. I have 60 easy level algorithms to work on, 9 of them are easy level array tag ones. I do think that if I can write 10 easy level algorithms, I will warm up and improve my performance at work in the long run. 

Extra sharing of my training thought process

It is my idea to be humble and work on easy level algorithm first. I solved all easy level algorithm (220 easy level algorithm solved) in Dec. 2018. Now there are around 60 new easy level algorithms available released after Dec. 2018, I like to work on those algorithm first, and I chose to work on 9 easy level array algorithms first, continue to work on rest of easy level ones.

I believe that easy level algorithms are better to train myself compared to those medium level ones.

2019 US equity 96 billion in outflows

Here is the article. 

Worth watching: Investors have the money to pump into US stocks, should they desire. US equity funds have seen $96 billion in outflows so far this year, in favor of bond and cash funds, Goldman Sachs pointed out in a recent note to clients.

C# Array's 80 API to review

Oct. 29, 2019

Introduction

It is interesting to use Visual studio, today I spent time to get Array class's APIs in Visual studio, so I write down all properties and methods, and I like to spend 3 minutes for each API. 

Array's APIs

Array's available method and function are listed in the following, 72 options. I like to memorize all of them, and a few words are new to me. I like to get to know those methods first.

0
Add
AddRange
AsReadOnly
BinarySearch
Clear
Contains
ConvertAll
CopyTo
Exists
Find

FindAll
FindIndex
FindLast
FindLastIndex

1

Aggregate

All

Any

AsEnumerable

AsParallel

AsParallel<>

AsQuerable

AsQuerable<>

Average

Average<> 2

Cast<>

Clone

Concat<>

Contain<>

CopyTo<>

Count<>

DefaultIfEmpty

Distinct

ElementAt

ElementAtOrDefault 3

Equals

Except<>

FirstOrDefault<>

First<>

GetEnumerator

GetHashCode

GetLength

GetLongLength

GetLowerBound

GetType 4

GetUpperBound

GetType

GetUpperBound

GetValue

GroupBy

GroupJoin

Initialize

Intersect

Join

Last 5

LastOrDefault

Length

IsFixedSize

IsReadONly

IsSyncrhonized

Max

Max<>

Min

Min<>

OfType<> 6

OrderBy<>

OrderByDescending<>

Rank

Reverse<>

Select<>

SelectMany<>

SequenceEqual<>

SetValue

Single<>

SingleOrDefault<> 7

Skip<>

SkipWhile<>

Sum

Sum<>

SyncRoot

Take<>

TakeWhile

ToArray

ToDictionary

ToList 8

ToLookup

ToString

Union<>

Where<>

Zip

走进比尔：解码比尔·盖茨

Here is one hour link.

Signs That You’re a Micromanager

Here is the article.

Warren Buffett Taught Bill Gates a Priceless Lesson About Time Management--Here Are 3 Takeaways

Here is the article.

10 Lessons on Time Management from Bill Gates

Here is the article.

1. Take your time seriously
2. Put in the hours
3. Structure your time
4. Don't waste time to make more time
5. Get sleep 
6. Take advantage of snippets of time
7. Think long term and invest your time
8. Prioritize
9. Chunk your time int topics
10. Use software

2. Put in the Hours
Malcom Gladwell used in his book Outliers on how the most successful individuals put in at least 10,000 hours of work before becoming successful. 

You can say no, you can ignore that one ridiculous email, you can delegate things. You can leave unimportant things for later. Again, YOU CAN SAY NO! Don’t take care of everything that comes your way. Don’t say yes to everyone. Schedule your time and prioritize.

7 Lessons on Time Management From Bill Gates (Productivity Hacks)

Here is the link.

Top 7 productivity tips

buy anything I want, not buy time

1. think long term

big rock -> pebbles -> sand

Do important task first -> small task -> ...

chunk your time

Ruthless say no to things

Time management crash course last two month in 2019

Oct. 28, 2019

Introduction

It is time for me to learn how to value my own time. I have to list things to distract me, and then I have to work hard to focus on things I can break through.

Time wasted 

I like to go over a list to figure out how many hours I wasted in 2019.

Time management crash course

I need to look into and work on some research on this topic.

How to stay connected to China and keep relatives happy?

Oct. 28, 2019

Introduction

It is my personal finance research. I like to figure out how many hours I spend in a year to chat with relatives in China. I am a single person and 53 years old, I like to figure out how to make a living in Canada.

How many hours?

The idea is to look into how efficient I am compared to 20 years ago. I used to spend a few time $200/ month US dollars on long distance calls to China from 1999 to 2001.

I think that I was not efficient to communicate with relatives. I used to pay 65 cent/ minute in US dollar for long distance call from 1996 to 2000.

I used to talk to my mom every day later when the calling card was cheaper after 2000.

I have to learn how to discipline myself. Do not waste time and money.

Being frugal

I like to challenge myself. Do not spend time on wechat. Cut time to minimum.

C#: List class API

Oct. 28, 2019

Introduction

It is time for me to learn all API of C# List class. I like to figure out how to expedite my coding using C#.

Motivation

I was so surprised to read C# code written by one of senior engineers, and then I asked myself how come I never used those two APIs.

Here is the link.



Here is to learn IEnumerable.Skip, IEnumerable.Take API.

Array's APIs

Array's available method and function are listed in the following, 72 options. I like to memorize all of them, and a few words are new to me. I like to get to know those methods first.

0
Add
AddRange
AsReadOnly
BinarySearch
Clear
Contains
ConvertAll
CopyTo
Exists
Find

FindAll
FindIndex
FindLast
FindLastIndex

1

Aggregate

All

Any

AsEnumerable

AsParallel

AsParallel<>

AsQuerable

AsQuerable<>

Average

Average<> 2

Cast<>

Clone

Concat<>

Contain<>

CopyTo<>

Count<>

DefaultIfEmpty

Distinct

ElementAt

ElementAtOrDefault 3

Equals

Except<>

FirstOrDefault<>

First<>

GetEnumerator

GetHashCode

GetLength

GetLongLength

GetLowerBound

GetType 4

GetUpperBound

GetType

GetUpperBound

GetValue

GroupBy

GroupJoin

Initialize

Intersect

Join

Last 5

LastOrDefault

Length

IsFixedSize

IsReadONly

IsSyncrhonized

Max

Max<>

Min

Min<>

OfType<> 6

OrderBy<>

OrderByDescending<>

Rank

Reverse<>

Select<>

SelectMany<>

SequenceEqual<>

SetValue

Single<>

SingleOrDefault<> 7

Skip<>

SkipWhile<>

Sum

Sum<>

SyncRoot

Take<>

TakeWhile

ToArray

ToDictionary

ToList 8

ToLookup

ToString

Union<>

Where<>

Zip

What is value after 18 years Oracle stock?

Oct. 28, 2019

Introduction

It is my research to figure out 100 share of Oracle stock purchased in 2001 with price 11.00 dollars.

Problem solving

Here is the page to include my purchase in 2001, after I just got laidoff a few months, I made some purchase on Oracle stock.

2001, Sept. 11, 100 share $11.00

Sold 70 share, $15.80, Jan. 11, 2002

Here is the link to check Oracle stock price history.

Oracle Historical Annual Stock Price Data
Year	Average Stock Price	Year Open	Year High	Year Low	Year Close	Annual % Change
2019	53.5989	45.2200	60.1500	44.7800	54.6400	21.02%
2018	48.0500	46.6300	52.9700	42.6900	45.1500	-4.51%
2017	46.5247	38.5500	52.8000	38.4500	47.2800	22.96%
2016	39.2267	35.7500	41.7700	33.9400	38.4500	5.26%
2015	40.7971	44.3300	44.9100	35.4400	36.5300	-18.77%
2014	40.1197	37.8400	46.2300	35.8400	44.9700	17.54%
2013	33.6779	34.6900	38.2600	29.9600	38.2600	14.83%
2012	29.8022	25.8650	34.0900	25.6100	33.3200	29.90%
2011	31.3691	31.6200	36.3700	24.7800	25.6500	-18.05%
2010	25.4572	24.8500	31.7600	21.4600	31.3000	27.60%
2009	20.1158	18.4100	25.0100	13.8500	24.5300	38.35%
2008	20.0030	22.4900	23.5200	15.4000	17.7300	-21.48%
2007	19.5037	17.5100	23.0400	16.2900	22.5800	31.74%
2006	15.2314	12.6000	19.6600	12.2000	17.1400	40.38%
2005	12.8311	13.4100	14.0500	11.5200	12.2100	-11.01%
2004	12.1210	13.1400	14.8900	9.8600	13.7200	3.70%
2003	12.2054	11.2100	13.7600	10.6800	13.2300	22.50%
2002	11.0963	13.9800	17.2600	7.3210	10.8000	-21.80%
2001	17.6158	26.3800	34.5600	10.7600	13.8100	-52.48%
2000	35.4011	29.5250	46.3150	22.3100	29.0600	3.69%
1999	10.5125	7.1667	28.0250	5.3600	28.0250	288.79%
1998	4.5371	3.8333	7.4167	3.0100	7.2083	93.86%
1997	5.2165	4.6667	6.8550	3.5100	3.7183	-19.85%
1996	4.1556	3.2037	5.5278	2.9630	4.6389	47.77%
1995	2.7567	2.1170	3.5652	2.0617	3.1393	44.08%
1994	1.8443	1.4074	2.2716	1.3269	2.1788	53.46%
1993	1.1620	0.7067	1.8519	0.6975	1.4198	102.63%
1992	0.4548	0.3672	0.7007	0.3086	0.7007	95.73%
1991	0.2592	0.1975	0.4012	0.1390	0.3580	84.25%
1990	0.3811	0.5958	0.6943	0.1328	0.1943	-66.33%
1989	0.4184	0.2346	0.6358	0.2346	0.5770	139.72%
1988	0.2115	0.1883	0.2747	0.1451	0.2407	34.47%
1987	0.1423	0.0640	0.2299	0.0640	0.1790	179.69%

Sector	Industry	Market Cap	Revenue
Computer and Technology	Computer Software	$177.814B	$39.506B

Does Market Timing Ever Work?

Here is the link.

Even the most rational index investors might catch themselves wondering if they should sell some of their equities, or delay investing new cash, because of expected market volatility, or reports of record high stock prices.

10 X Rule - 3 middle level algorithm one hour

10 X Rule - 3 middle level algorithm one hour

10 X Rule - 3 middle level algorithm one hour

I like to aim 10X high goal and use 10x more energy, based on 10 X rule book.

What is CAPE ratio?

CAPE比率

高估值会侵蚀未来的收益。Robert Shiller 说，美国股市的CAPE比率目前处于29的高位。CAPE比率，即经周期调整的市盈率，考察的是投资者为10年期间经通胀因素调整后的平均收益支付了多少钱。这一指标显示出剔除短期扭曲因素后市场的成本有多高。

　　席勒表示，现在CAPE为29，这种情况在历史上只发生过几次，到了1929年至30年代中期的水平。他补充称，在非理性繁荣泡沫破灭之前，CAPE仍可能继续上升。目前的CAPE略高于1987年的水平，当时美囯股市在1987年10月19日创下了23%的最大单日跌幅。

SPDR - Portfolio Aggregate Bond ETF

SPDR  Portfolio Aggregate Bond ETF  （SPAB）

席勒对债券的担忧和对美国股市的担忧一样多。债券目前是最热门的资产类别之一，因为投资者寻求安全的收入。SPDR  Portfolio Aggregate Bond ETF  （SPAB）今年的总回报率与股票相当，为8.31%。这是过去10年3.7%的平均年回报率的两倍多。

2019 best sectors

Real Estate Select Sector ETF，  XLRE
SPDR ETF  （XLK）

房地产类股也很火爆。房地产精选行业ETF  （Real Estate Select Sector ETF，  XLRE）仅今年就上涨了近29%，超过了标准普尔500指数20%的涨幅。房地产类股仅以微弱优势落后于科技精选板块SPDR ETF  （XLK），成为今年表现最佳的板块。

Robert Shiller - 2019 finance analysis

Robert Shiller

近日，曾准确预测到2000年的美股崩盘和2007年的房地产市场崩盘的耶鲁大学经济学教授、诺贝尔奖得主罗伯特•席勒（Robert Shiller）表示，美国金融市场泡沫无处不在，无论是股票市场、债券市场还是房地产市场，投资者都无路可逃。

席勒发出这一不祥警告之际，正值华尔街股灾90周年。1929年10月28日，道琼斯工业股票平均价格指数下跌13%，这是历史上第二大跌幅。再加上大萧条初期股市的重挫，华尔街花了25年时间才恢复元气。

他预计未来30年美国股市的平均年回报率只有4.4%。这不到标准普尔500指数长期回报率的一半，也远远低于养老金的要求。

美股的市值过高

目前美国股市较2009年3月9日的低点上涨了348%，为投资者的投资组合增加了近29万亿美元。

CAPE比率

高估值会侵蚀未来的收益。他说，美国股市的CAPE比率目前处于29的高位。CAPE比率，即经周期调整的市盈率，考察的是投资者为10年期间经通胀因素调整后的平均收益支付了多少钱。这一指标显示出剔除短期扭曲因素后市场的成本有多高。

　　席勒表示，现在CAPE为29，这种情况在历史上只发生过几次，到了1929年至30年代中期的水平。他补充称，在非理性繁荣泡沫破灭之前，CAPE仍可能继续上升。目前的CAPE略高于1987年的水平，当时美囯股市在1987年10月19日创下了23%的最大单日跌幅。

SPDR  Portfolio Aggregate Bond ETF  （SPAB）

席勒对债券的担忧和对美国股市的担忧一样多。债券目前是最热门的资产类别之一，因为投资者寻求安全的收入。SPDR  Portfolio Aggregate Bond ETF  （SPAB）今年的总回报率与股票相当，为8.31%。这是过去10年3.7%的平均年回报率的两倍多。

债券ETF

投资者将大量资金投入债券ETF，希望避开股市波动，至少获得一些回报。“它（债券泡沫）似乎与人们没有给予足够的关注有关，通过简单的逻辑思考就能知道，这不可能继续下去，它最终会有糟糕的结局，它可能会在某个时候沉没。”

席勒说，美国房地产市场正处于泡沫阶段，与2005年没有什么不同。“这就像又回到了2005年。旧金山和洛杉矶的房市已经在放缓。”他说，这是一个“糟糕的指标”，因为这些市场多年来一直在上涨。

Real Estate Select Sector ETF，  XLRE
SPDR ETF  （XLK）

房地产类股也很火爆。房地产精选行业ETF  （Real Estate Select Sector ETF，  XLRE）仅今年就上涨了近29%，超过了标准普尔500指数20%的涨幅。房地产类股仅以微弱优势落后于科技精选板块SPDR ETF  （XLK），成为今年表现最佳的板块。

OUR STOCK PORTFOLIO UPDATE | Our Dividend Income In Early Retirement (Ep. 9 - October 2019)

Here is the link.

Books that have helped us on our Financial Independence Journey ----- The Bogleheads' Guide to Investing: https://amzn.to/2UjEc4j The Intelligent Investor: https://amzn.to/2MKGokh A Random Walk Down Wall Street: https://amzn.to/2zIVI8p The Book on Rental Property Investing: https://amzn.to/2UkwgQ6 Building Wealth One House at a Time: https://amzn.to/2ZJQuDW Rich Dad Poor Dad: https://amzn.to/2ZD29IK The Total Money Makeover: https://amzn.to/2Lc0thn The $100 Startup: https://amzn.to/2UnBpqK Freakonomics: https://amzn.to/2HCnDeJ