Here is the article.
Short and (mostly) sweetAt 138 pages, Solin's book is fairly short, but it's an ideal length for his target audience: neophytes who want a basic financial plan. The book essentially argues that investors should avoid market-timing and stockpicking. Solin backs up this opinion with a huge amount of academic support, including nine pages of citations at the end of the book.
I should avoid market-timing and stockpicking.
Julia should avoid market-timing and stockpicking.
Starting from Nov. 9, 2019 11:42 PM, I, jianmin chen, should avoid market-timing and stockpicking.
Saturday, November 9, 2019
Daniel Solin | Talks at Google
Here is the link.
Buy three index funds, total market index, total world index fund, total bond market fund.
top 5% best investor - look at data, 80 years, market return - capture market
top 4% - more risk
Every 10 years last 80 years
What really smart people do? Who are they? how they are invest?
4 trillion dollars invest (pension money) - peer review, financial journal, ...
Buy three index funds, total market index, total world index fund, total bond market fund.
top 5% best investor - look at data, 80 years, market return - capture market
top 4% - more risk
Every 10 years last 80 years
What really smart people do? Who are they? how they are invest?
4 trillion dollars invest (pension money) - peer review, financial journal, ...
Case study: 2001 Trendium 401 K statement
Nov. 9, 2019
It is time for me to review all my paper documents since 1996. I came cross Trendium 401 K statement in 2001, and I like to look into the statement and see how many things I can learn from the statement.
I like to make it easy for me to review, so I upload those two pages on my github personalFinance repository. Here is the link.
I was too busy to learn how to invest from 1999 to 2019 May, so I like to spend time to review Trendium 401 K statement, and use those statements to remind me to be a learner in my life.
Introduction
It is time for me to review all my paper documents since 1996. I came cross Trendium 401 K statement in 2001, and I like to look into the statement and see how many things I can learn from the statement.
Case study
I like to make it easy for me to review, so I upload those two pages on my github personalFinance repository. Here is the link.
I was too busy to learn how to invest from 1999 to 2019 May, so I like to spend time to review Trendium 401 K statement, and use those statements to remind me to be a learner in my life.
Four Distributed Systems Architectural Patterns by Tim Berglund
Nov. 9, 2019
It is time for me to take seriously to learn distributed system. What I like to do is to spend one hour to watch the video this Saturday evening.
Here is the link.
I need to get smart to learn things from youtube.com. There are so many recommended video by youtube.com. One criteria is to choose top views. The view of the above video is 247,278 views.
Introduction
It is time for me to take seriously to learn distributed system. What I like to do is to spend one hour to watch the video this Saturday evening.
Four distributed systems
Here is the link.
Actionable Items
I need to get smart to learn things from youtube.com. There are so many recommended video by youtube.com. One criteria is to choose top views. The view of the above video is 247,278 views.
Car maintenance
Nov. 9, 2019
It is challenging for me to learn how to cut the cost to do maintenance. One of ideas is to drive minimum as possible.
I choose to drive less than 3000 miles a year. One road trip to Seattle, maybe less than 10 trip to the city of Surrey. And then daily routine to the work in weekday, and weekend to tennis court or community center.
Change engine oil - 5000 KM
Coolant - change once every two years
Transmission oil - 2013 I did one change , 2015 I did one, $80 dollar cost
Brake - 30,000 - 40,000 KM
Introduction
It is challenging for me to learn how to cut the cost to do maintenance. One of ideas is to drive minimum as possible.
When to change engine oil?
I choose to drive less than 3000 miles a year. One road trip to Seattle, maybe less than 10 trip to the city of Surrey. And then daily routine to the work in weekday, and weekend to tennis court or community center.
Prepare a check list
Change engine oil - 5000 KM
Coolant - change once every two years
Transmission oil - 2013 I did one change , 2015 I did one, $80 dollar cost
Brake - 30,000 - 40,000 KM
Howard Schultz
Here is the wiki article.
Author[edit]
Schultz wrote the book Pour Your Heart Into It: How Starbucks Built a Company One Cup at a Time with Dori Jones Yang in 1997. His second book Onward: How Starbucks Fought for Its Life Without Losing Its Soul, co-written with Joanne Gordon, was published in 2011. His third book For Love of Country, co-written with Rajiv Chandrasekaran, was published in 2014.
As of January 2019 his current book promotion is From the Ground Up. In promoting this title at Arizona State University he said "There was chaos, there was trauma, there was rage. I did have a gift and the gift was not an inheritance of money, it was the fact that my mother [had] this belief in America. I think if it wasn't for her, I was not going to be able to escape what happened in my daily life."[43]
Wells Fargo CEO: "What I've Learned Since Business School"
Here is the link.
As part of the Stanford GSB View From The Top series, Dick Kovacevich, chairman of Wells Fargo, reflects on the lessons he has learned in the 40 years since he left business school. He also describes the management principles that he has used to guide Wells Fargo up to and through the financial crisis. (Recorded: Nov. 5, 2009)
As part of the Stanford GSB View From The Top series, Dick Kovacevich, chairman of Wells Fargo, reflects on the lessons he has learned in the 40 years since he left business school. He also describes the management principles that he has used to guide Wells Fargo up to and through the financial crisis. (Recorded: Nov. 5, 2009)
Sallie Krawcheck on the untapped power of women in business
Here is the article.
My worst day is better than other people's best day.
30:00 Question and answers
How to save and invest?
credit card debt/ emergency fund/ 401 K/ invest over there
compound interest/ dollar cost average/ continue to invest
- set up portfolio first
Do not take the recession as ugly. Take it as investment opportunity.
Quantify things to work on in order to get raise:
KPI - more customer, or something else.
Problem solving mindset.
My worst day is better than other people's best day.
30:00 Question and answers
How to save and invest?
credit card debt/ emergency fund/ 401 K/ invest over there
compound interest/ dollar cost average/ continue to invest
- set up portfolio first
Do not take the recession as ugly. Take it as investment opportunity.
Quantify things to work on in order to get raise:
KPI - more customer, or something else.
Problem solving mindset.
Sallie Krawcheck On "Ellevest"
Here is the link.
Sallie Krawcheck’s professional mission is to help women reach their financial and professional goals. This spans several businesses: she is the CEO and Co-Founder of Ellevest, a just-launched digital investment platform for women. She serves as the Chair of Ellevate Network, the global professional woman’s network, and the Chair of the Pax Ellevate Global Woman’s Index Fund, which invests in the top-rated companies in the world for advancing women. She is also the author of “Own It: The Power of Women at Work”, released this past January. Join her when she visits BUILD to speak on women empowerment. Interview at 692 Broadway in NYC for BUILD Series.
Sallie Krawcheck’s professional mission is to help women reach their financial and professional goals. This spans several businesses: she is the CEO and Co-Founder of Ellevest, a just-launched digital investment platform for women. She serves as the Chair of Ellevate Network, the global professional woman’s network, and the Chair of the Pax Ellevate Global Woman’s Index Fund, which invests in the top-rated companies in the world for advancing women. She is also the author of “Own It: The Power of Women at Work”, released this past January. Join her when she visits BUILD to speak on women empowerment. Interview at 692 Broadway in NYC for BUILD Series.
Get connected to SJTU math alumni
Nov. 9, 2019
It is my personal finance research. I have to do marketing on wechat group, Shanghai jiaotong university alumni math department, and then get to know professional finance planner.
Today I spent time to chat with the friend, and get connected on Linkedin. Here is the link.
Introduction
It is my personal finance research. I have to do marketing on wechat group, Shanghai jiaotong university alumni math department, and then get to know professional finance planner.
One connection a time
Today I spent time to chat with the friend, and get connected on Linkedin. Here is the link.
One minute review: my USA retirement fund last 20 years
Nov. 9, 2019
Introduction
It is a good idea to put together some facts called one minute review.
One minute review
One minute to review the following facts:
1999 to 2001, $11,530 dollar into my 401 K from 1999 to 2001
2004, $3000 IRA
2006, $8000 401 K Siva, Par Tech Inc
Nov. 9, 2019
Key largo portfolio $20,321.70
Par 401 K $6590
------------------------------
Profit:
$7381
1999 Dec - 2019 May profit is $5479
2019 May - 2019 Nov profit is $1902
More detail
I did invest $11,530 dollar into my 401 K from 1999 to 2001, and then 2004 $3000 IRA, and then from 2006 to 2007, I invested $8000 dollars my 401 K.
My actual asset for those fund are $26811.70 dollars, key largo portfolio has balance $20,321.70, par 401 K has balance of $6590.
I like to profit at least 10 times more in 20 years, but actually I only have profit $7381 with 20 years time range, average for each year is $300 dollar/ year, $369.05/ month, 1.84%.
1999 Dec - 2019 May profit is $5479 - Here are blog to document my IRA CD with the bank over 10 years.
2019 May - 2019 Nov profit is $1902
25% profit last 20 years is made in last six months since I learn to put those funds back in index fund. I studied Canadian retirement guide. Here is the link.
25% of profit $7381 is made by myself last six month starting from May 2019.
I just review the content in my blog, and then put together the above one minute fact review.
Introduction
It is a good idea to put together some facts called one minute review.
One minute review
One minute to review the following facts:
1999 to 2001, $11,530 dollar into my 401 K from 1999 to 2001
2004, $3000 IRA
2006, $8000 401 K Siva, Par Tech Inc
Nov. 9, 2019
Key largo portfolio $20,321.70
Par 401 K $6590
------------------------------
Profit:
$7381
1999 Dec - 2019 May profit is $5479
2019 May - 2019 Nov profit is $1902
More detail
I did invest $11,530 dollar into my 401 K from 1999 to 2001, and then 2004 $3000 IRA, and then from 2006 to 2007, I invested $8000 dollars my 401 K.
My actual asset for those fund are $26811.70 dollars, key largo portfolio has balance $20,321.70, par 401 K has balance of $6590.
Comparison
I like to profit at least 10 times more in 20 years, but actually I only have profit $7381 with 20 years time range, average for each year is $300 dollar/ year, $369.05/ month, 1.84%.
1999 Dec - 2019 May profit is $5479 - Here are blog to document my IRA CD with the bank over 10 years.
2019 May - 2019 Nov profit is $1902
25% profit last 20 years is made in last six months since I learn to put those funds back in index fund. I studied Canadian retirement guide. Here is the link.
25% of profit $7381 is made by myself last six month starting from May 2019.
Actionable Items
I just review the content in my blog, and then put together the above one minute fact review.
Learn to be frugal in my 50s
Nov. 9, 2019
I made a purchase of home in the city of Yichun in 1999 with $10,000 us dollars, now it is 10 times more value, $100,000 US dollars, or $500,000 Chinese yuan. I like to find all expenses from 1999 to 2001, and I called it half a million dollar hunt. I like to learn to be frugal in my 50s.
I made net income $110,000 from 1998 December to 2001 October. So it is possible I can make purchase of 10 condos in my home town city of Yichun.
I cannot afford a one bedroom home in the city of Surrey or Cloverdale. I am 53 years old, and work full time 10 years in Canada. I only have Canadian saving around $60,000 dollars. It only can cover 20% one bedroom condo. But I could not get the loan with stress test for amount $200,000 dollars.
Introduction
I made a purchase of home in the city of Yichun in 1999 with $10,000 us dollars, now it is 10 times more value, $100,000 US dollars, or $500,000 Chinese yuan. I like to find all expenses from 1999 to 2001, and I called it half a million dollar hunt. I like to learn to be frugal in my 50s.
How many ones?
I made net income $110,000 from 1998 December to 2001 October. So it is possible I can make purchase of 10 condos in my home town city of Yichun.
I cannot afford a one bedroom home in the city of Surrey or Cloverdale. I am 53 years old, and work full time 10 years in Canada. I only have Canadian saving around $60,000 dollars. It only can cover 20% one bedroom condo. But I could not get the loan with stress test for amount $200,000 dollars.
Case study: My Florida Boca Raton rental business in 2019
Nov. 9, 2019
It is my personal finance research. I do not own a home in Canada last 10 years, but I still keep a condo in Florida. I had busy year as a landlord, I had hard time to find renters last 10 months. What is my result at the end of year 2019?
Introduction
It is my personal finance research. I do not own a home in Canada last 10 years, but I still keep a condo in Florida. I had busy year as a landlord, I had hard time to find renters last 10 months. What is my result at the end of year 2019?
Act on belief
Case study: I purchased $36.00 dollar in a bar around in 2000
Nov. 9, 2019
It is my personal finance research. I was 34 years old, I like to do a short case study how I wasted $36.00 dollars in a bar in 2000.
I did analyze my expense from 1999 to 2001 on restaurant. It is over thousand dollars. Here is the pdf.
Introduction
It is my personal finance research. I was 34 years old, I like to do a short case study how I wasted $36.00 dollars in a bar in 2000.
Case study
Money Mistakes To Avoid In Your 20s
Here is the link.
In this video we discuss 20 money mistakes to avoid in your 20s! Your 20s are a time when you start earning more income than you've ever earned before in your life, and with that comes a lot of responsibility. With proper goals, discipline, and planning, this video will show you EXACTLY what money mistakes to avoid in your 20s.
1. Don’t spend more than you make 2. Not tracking your money 3. Not setting financial goals 4. Living off of credit cards 5. Not having an emergency fund 6. Telling financial lies 7. Not taking advantage of free time to earn more. 8. Putting off savings for retirement 9. Not taking calculated risks 10. Allowing college expenses to balloon. 11. Paying off the wrong debts first 12. Not building credit 13. Not checking your credit scores regularly 14. Going into car debt 15. Careless spending 16. Not having renters insurance 17. Not having health insurance 18. Not discussing finances w/significant other 19. Going into debt for a wedding 20. Starting a family without a financial plan.
I started from 20s until in 2019, I did not track my money. I did not save all statements every month every year.
I did not take calculated risks from 2009 to 2018 December. I did not make any single investment in 10 years.
In this video we discuss 20 money mistakes to avoid in your 20s! Your 20s are a time when you start earning more income than you've ever earned before in your life, and with that comes a lot of responsibility. With proper goals, discipline, and planning, this video will show you EXACTLY what money mistakes to avoid in your 20s.
1. Don’t spend more than you make 2. Not tracking your money 3. Not setting financial goals 4. Living off of credit cards 5. Not having an emergency fund 6. Telling financial lies 7. Not taking advantage of free time to earn more. 8. Putting off savings for retirement 9. Not taking calculated risks 10. Allowing college expenses to balloon. 11. Paying off the wrong debts first 12. Not building credit 13. Not checking your credit scores regularly 14. Going into car debt 15. Careless spending 16. Not having renters insurance 17. Not having health insurance 18. Not discussing finances w/significant other 19. Going into debt for a wedding 20. Starting a family without a financial plan.
Actionable Items
I started from 20s until in 2019, I did not track my money. I did not save all statements every month every year.
I did not take calculated risks from 2009 to 2018 December. I did not make any single investment in 10 years.
The Richest Man in Babylon Review
Here is the link.
1. Pay yourself first!
2. Control your expenses
3. Invest in what you know
4. Don't lose your money
5. Own your home
6. Retirement plan
1. Pay yourself first!
2. Control your expenses
3. Invest in what you know
4. Don't lose your money
5. Own your home
6. Retirement plan
Research talk: 20 years $200,000 USA IRA investment goal
Nov. 9, 2019
It is my personal finance research. I like to work on the short research if I can make it happen from 1999 to 2019 to grow $200,000 USA IRA investment goal.
I did invest $11,530 dollar into my 401 K from 1999 to 2001, and then 2004 $3000 IRA, and then from 2006 to 2007, I invested $8000 dollars my 401 K.
Can I grow those fund from 1999 to 2019, and the goal is $200,000 dollars? My actual asset for those fund are $26811.70 dollars, key largo portfolio has balance $20,321.70, par 401 K has balance of $6590.
I was a young Chinese single lady from 1999 to 2019. I worked on a few projects and failed a few of them, including computer science Ph.D. degree, US green card application, and a few other projects.
In order to grow those money, there are a few ideas to make it happen.
Idea 1: I can purchase $10,000 ROSS stock, in 2019, the stock value 40 times more.
The problem I had is that I like to bargain hunt, but I did not know how ROSS business works. I never pay attention to the stock. I bought over 10 technology stock, expensive ones instead. I drove Ford Explorer brand new purchased in 1999, I purchased Ford stock, I purchased Bank Atlantic Entertainment stock account the company I worked for.
Idea 2: I can learn how to invest basics, so I can try to double those money once at least in 20 years span. So I can learn how to make another one.
Idea 3: I have to build confidence on one area of my life. My home purchase value went up and down.
I like to profit at least 10 times more in 20 years, but actually I only have profit $7381 with 20 years time range, average for each year is $300 dollar/ year, $369.05/ month, 1.84%.
1999 Dec - 2019 May profit is $5479 - Here are blog to document my IRA CD with the bank over 10 years.
2019 May - 2019 Nov profit is $1902
25% profit last 20 years is made in last six months since I learn to put those funds back in index fund. I studied Canadian retirement guide. Here is the link.
I like to show those facts, and I do have strong mathematics background, 10 years experience working in a manufacture company in Canada, and also experience in NSF, Par Tech, Siva, Motorola, Trendium, Online Gaming, Daleen.
How hard it is for me to learn personal finance, motivation to become a rich person, a millionaire?
Introduction
It is my personal finance research. I like to work on the short research if I can make it happen from 1999 to 2019 to grow $200,000 USA IRA investment goal.
Case study
I did invest $11,530 dollar into my 401 K from 1999 to 2001, and then 2004 $3000 IRA, and then from 2006 to 2007, I invested $8000 dollars my 401 K.
Can I grow those fund from 1999 to 2019, and the goal is $200,000 dollars? My actual asset for those fund are $26811.70 dollars, key largo portfolio has balance $20,321.70, par 401 K has balance of $6590.
I was a young Chinese single lady from 1999 to 2019. I worked on a few projects and failed a few of them, including computer science Ph.D. degree, US green card application, and a few other projects.
In order to grow those money, there are a few ideas to make it happen.
Idea 1: I can purchase $10,000 ROSS stock, in 2019, the stock value 40 times more.
The problem I had is that I like to bargain hunt, but I did not know how ROSS business works. I never pay attention to the stock. I bought over 10 technology stock, expensive ones instead. I drove Ford Explorer brand new purchased in 1999, I purchased Ford stock, I purchased Bank Atlantic Entertainment stock account the company I worked for.
Idea 2: I can learn how to invest basics, so I can try to double those money once at least in 20 years span. So I can learn how to make another one.
Idea 3: I have to build confidence on one area of my life. My home purchase value went up and down.
Comparison
I like to profit at least 10 times more in 20 years, but actually I only have profit $7381 with 20 years time range, average for each year is $300 dollar/ year, $369.05/ month, 1.84%.
1999 Dec - 2019 May profit is $5479 - Here are blog to document my IRA CD with the bank over 10 years.
2019 May - 2019 Nov profit is $1902
25% profit last 20 years is made in last six months since I learn to put those funds back in index fund. I studied Canadian retirement guide. Here is the link.
I like to show those facts, and I do have strong mathematics background, 10 years experience working in a manufacture company in Canada, and also experience in NSF, Par Tech, Siva, Motorola, Trendium, Online Gaming, Daleen.
How hard it is for me to learn personal finance, motivation to become a rich person, a millionaire?
Research talk: 20 years $100,000 IRA investment goal
Nov. 9, 2019
It is my personal finance research. I like to write a blog on this short research. 20 years $100,000 IRA Investment goal.
I worked full time from Dec. 1998 to Oct. 2001, I invested on my 401 K around $15,000 US dollars. Based on my the research in 2019, the index from 2010 to 2019 over 300% increase, and then from 2001 to 2009 up and down, say that it is 100% increase.
How to grow those $15,000 dollars to $100,000 from 1999 to 2019?
I was in my 35 years old, and I was working on so many things. I had a good friend who I met once two weeks. I did ask about my 401 K, I was too shy.
I even thought about paying Corba insurance just after I got laidoff. One month will cost me around $200 dollars.
In fact, my investment of those $15,000, and additional $3000 deposit in 2004, I only have a balance $20,300 call key largo. I put into equity fund, 10 years high bull market this May 2019.
I went to Facebook onsite in my 53 years old age. Am I super talent, top 10% in my age or not? I do not think so.
What I can do is to review my experience, case by case study, and then I like to push myself to build wealth and grow rich.
Introduction
It is my personal finance research. I like to write a blog on this short research. 20 years $100,000 IRA Investment goal.
How to reach the goal?
I worked full time from Dec. 1998 to Oct. 2001, I invested on my 401 K around $15,000 US dollars. Based on my the research in 2019, the index from 2010 to 2019 over 300% increase, and then from 2001 to 2009 up and down, say that it is 100% increase.
How to grow those $15,000 dollars to $100,000 from 1999 to 2019?
I was in my 35 years old, and I was working on so many things. I had a good friend who I met once two weeks. I did ask about my 401 K, I was too shy.
I even thought about paying Corba insurance just after I got laidoff. One month will cost me around $200 dollars.
In fact, my investment of those $15,000, and additional $3000 deposit in 2004, I only have a balance $20,300 call key largo. I put into equity fund, 10 years high bull market this May 2019.
Actionable items
What I can do is to review my experience, case by case study, and then I like to push myself to build wealth and grow rich.
Roth IRA vs 401k (2019)
Here is the link.
I like to take some notes from the video:
2019 - $6K, $7K
Age - 59.5
Single
or HH = $122k
I like to take some notes from the video:
2019 - $6K, $7K
Age - 59.5
Single
or HH = $122k
Case study: Oct 4, 2019 a 53 years old 3 and half an hour to save $120 US dollar hotel cost
Nov. 9, 2019
It is my personal finance research. I like to discipline myself, since I offered on wechat for my church group back from 2010 to 2015 $100 get-together party. So I like to learn the principle of being frugal.
I went to Google Seattle GHC event, and after the event, 9:20 PM, I left and planned to drive to my friend's house in Botholl, but my GPS failed to get GPS signal. I did not learn that I need to download offline map using Google map. I just got the map while inside Google office, a few minutes later I learned that I lost the driving directions.
Here is the blog I documented my experience.
1. My blog on Oct. 5, 2019, here is the link.
Introduction
It is my personal finance research. I like to discipline myself, since I offered on wechat for my church group back from 2010 to 2015 $100 get-together party. So I like to learn the principle of being frugal.
Case study
I went to Google Seattle GHC event, and after the event, 9:20 PM, I left and planned to drive to my friend's house in Botholl, but my GPS failed to get GPS signal. I did not learn that I need to download offline map using Google map. I just got the map while inside Google office, a few minutes later I learned that I lost the driving directions.
Here is the blog I documented my experience.
Reference
1. My blog on Oct. 5, 2019, here is the link.
15 years low - 2009 buy high and sell low
Nov. 9, 2019
It is my personal finance research. I like to write down a short research why I chose to buy high and sell low. How do I make the decision after I heard that 15 years lowest point, I like to sell every thing on my stock investment accounts.
In 2009 January, I got the news that my Canadian immigration was denied. So I was so pissed and then the first time in my life, I felt so hard to get what I want.
I decided to take some actions. I decided to file an appeal case in Canadian Federal court in January 2009. At that time, I did not know who to sue, I only knew that I had 45 days to file an appeal case, and Canadian registration officer called me and told me that my case could not be accepted. Because I did not who to sue, I asked and then I learned that I had to sue department of immigration.
Follow up
Nov. 15, 2019
It is hardest time in my life back in January 2009. I need to learn the basics of investing when stock is lowest in 15 years. I also need to learn how to handle disappointment of immigration denial of application in January 2009. It takes a village to raise a child. I planned to leave United States, but I reacted on stock market. I tried to learn how to file an appeal case.
I did not have any income back in 2009. I was in graduate study program, but I Had no clue how to conduct a good research on computer science area. It was so tough and I was lucky to have a visiting professor as a roommate, and I am the landlord and I learned from her how to be a good teaching professor in a top university in China.
I was 43 year old. I did not have any asset except $26,000 IRA and 401 K. My home had home equity balance less than $10,000 dollars, but home price was low at the time.
Introduction
It is my personal finance research. I like to write down a short research why I chose to buy high and sell low. How do I make the decision after I heard that 15 years lowest point, I like to sell every thing on my stock investment accounts.
15 years lowest
In 2009 January, I got the news that my Canadian immigration was denied. So I was so pissed and then the first time in my life, I felt so hard to get what I want.
I decided to take some actions. I decided to file an appeal case in Canadian Federal court in January 2009. At that time, I did not know who to sue, I only knew that I had 45 days to file an appeal case, and Canadian registration officer called me and told me that my case could not be accepted. Because I did not who to sue, I asked and then I learned that I had to sue department of immigration.
Follow up
Nov. 15, 2019
It is hardest time in my life back in January 2009. I need to learn the basics of investing when stock is lowest in 15 years. I also need to learn how to handle disappointment of immigration denial of application in January 2009. It takes a village to raise a child. I planned to leave United States, but I reacted on stock market. I tried to learn how to file an appeal case.
I did not have any income back in 2009. I was in graduate study program, but I Had no clue how to conduct a good research on computer science area. It was so tough and I was lucky to have a visiting professor as a roommate, and I am the landlord and I learned from her how to be a good teaching professor in a top university in China.
I was 43 year old. I did not have any asset except $26,000 IRA and 401 K. My home had home equity balance less than $10,000 dollars, but home price was low at the time.
How to spot my own weakness and then work on improvements?
Nov. 9, 2019
It is my personal finance research. I like to continue to search my weakness, and then work on improvement.
I found out that I should work hard to learn how to invest on equity fund in 2019. I have USA IRA fund over $20,000 dollars near 20 years, and 401 K over $6,000 over 10 years. I have to learn that it is my job to learn how to double those money every 7 years.
It is my long term goal to learn all those index funds, individual stocks. I can not let go 20 year, and I only make $5,000 interest with lowest interest 1.2%.
I am 53 years old. It is easy to get stubborn, and it is so hard for me to learn personal finance, and learn the importance to be frugal first. So I can learn that I have to push myself to learn to invest on equity market.
Risk is hard to manage. I have to push myself to learn the basics. Invest 100 hours, continue to learn until I can understand and communicate financial literacy.
2. IRA, IRA CD, VIGRX index fund 2001, here are blogs.
3. Buy high sell low, here are blogs.
Introduction
It is my personal finance research. I like to continue to search my weakness, and then work on improvement.
My weakness
I found out that I should work hard to learn how to invest on equity fund in 2019. I have USA IRA fund over $20,000 dollars near 20 years, and 401 K over $6,000 over 10 years. I have to learn that it is my job to learn how to double those money every 7 years.
It is my long term goal to learn all those index funds, individual stocks. I can not let go 20 year, and I only make $5,000 interest with lowest interest 1.2%.
I am 53 years old. It is easy to get stubborn, and it is so hard for me to learn personal finance, and learn the importance to be frugal first. So I can learn that I have to push myself to learn to invest on equity market.
Risk is hard to manage. I have to push myself to learn the basics. Invest 100 hours, continue to learn until I can understand and communicate financial literacy.
References:
1. Par tech 401 K, here are blogs.2. IRA, IRA CD, VIGRX index fund 2001, here are blogs.
3. Buy high sell low, here are blogs.
302-13883 Laurel Drive
$335,000
It is a good place to live, but the price is too high for me to afford the payment.
Property Description:
Emerald Heights! First time home buyers and Investors alert! This immaculate upper corner unit has a great layout and features Granite counter tops, steel appliances, laminate flooring. Comes with 1 parking and storage locker, the building has a gym, guest suite and a club house. Excellent location, just minutes walk from King George and Surrey Central Skytrain stations, SFU Campus, Surrey Memorial Hospital, Jim Patterson Outpatient care centre, RCMP Headquarter, Public Library, Rec Center, Elementary and Secondary school, shopping and many more. Call for your private viewing now! This won't last!
| Property Age | Built in 2013 (6 yrs old) |
|---|---|
| Gross Taxes for 2019 | $1,489 |
| Strata Maintenance Fees | $208 |
| Area | North Surrey |
| Sub-Area/Community | Whalley |
| Property Type | Apt/Condo |
| Title | Freehold Strata |
| Style | Corner Unit,Upper Unit |
| Listing ID | R2417894 |
| Primary Agent | Dilma Hortelano |
| Primary Broker | Sutton Premier Realty |
| Days on REW | 1 Day on REW |
| Features | Security System |
|---|---|
| Amenities | Central Location, Recreation Nearby, Shopping Nearby |
| Appliances | Washer/Dryer/Fridge/Stove/Dishwasher |
| Building Features | Club House, Exercise Centre, Guest Suite, In Suite Laundry, Recreation Center |
Actionable Items
208-13977 74 Avenue, Surrey, BC•East Newton
Asking price $250,000
I only can pay 20% down payment with savings in Canada, working full time 10 years. I can not qualify the loan amount $200,000 dollars with stress test. 4 times of salary.
Move on. Continue to invest on stock market, learn the investment first.
It is impossible for me to live in 74 Ave and commute daily. 3 hours on the road.
I only can pay 20% down payment with savings in Canada, working full time 10 years. I can not qualify the loan amount $200,000 dollars with stress test. 4 times of salary.
Move on. Continue to invest on stock market, learn the investment first.
It is impossible for me to live in 74 Ave and commute daily. 3 hours on the road.
Friday, November 8, 2019
Act like you do not have a job - 2019 year end
Nov. 8, 2019
It is my personal finance research. I like to write a short blog about how to think and make a decision. Being frugal and stay as a frugal person is tough, specially for me as a single person, and also a few holidays in last two months of 2019.
I was invited to go to Paris this USA thanksgiving holiday. I do not need to pay hotel and food, I only pay the airline ticket. The price is around $850 Canadian dollar for a round trip.
I decide to talk myself out and say no to the trip. I am better working on some research, invest those $850 Canadian dollars. Here is my blog.
In April, the round trip to China only costs around $500 Canada dollars. That is time for me to travel.
I remembered that I saw the video about Florida, a person cried after she lost her job in 2008 in Florida, and then homeless as well.
Homeless is more tough for a person, single person, and in her 53 year old. I do not need the trip, do I want the trip?
Introduction
It is my personal finance research. I like to write a short blog about how to think and make a decision. Being frugal and stay as a frugal person is tough, specially for me as a single person, and also a few holidays in last two months of 2019.
Act like you do not have a job
I was invited to go to Paris this USA thanksgiving holiday. I do not need to pay hotel and food, I only pay the airline ticket. The price is around $850 Canadian dollar for a round trip.
I decide to talk myself out and say no to the trip. I am better working on some research, invest those $850 Canadian dollars. Here is my blog.
In April, the round trip to China only costs around $500 Canada dollars. That is time for me to travel.
I remembered that I saw the video about Florida, a person cried after she lost her job in 2008 in Florida, and then homeless as well.
Homeless is more tough for a person, single person, and in her 53 year old. I do not need the trip, do I want the trip?
Thursday, November 7, 2019
Sallie Krawcheck Is Back -- Again | Forbes
Here is the link.
Sallie Krawcheck talks to Forbes about success, failure and what it takes to start over. From the Forbes Women's Summit in NYC.
Sallie Krawcheck talks to Forbes about success, failure and what it takes to start over. From the Forbes Women's Summit in NYC.
Harvard business school - The HBS Case method
Here is the article.
Pioneered by HBS faculty and one of the highlights of the HBS experience, the case method is a profound educational innovation that presents the greatest challenges confronting leading companies, nonprofits, and government organizations—complete with the constraints and incomplete information found in real business issues—and places the student in the role of the decision maker. There are no simple solutions; yet through the dynamic process of exchanging perspectives, countering and defending points, and building on each other's ideas, students become adept at analyzing issues, exercising judgment, and making difficult decisions—the hallmarks of skillful leadership.
I also like to apply case method to my personal finance research, and also apply to my mock interview experience as an interviewer.
Pioneered by HBS faculty and one of the highlights of the HBS experience, the case method is a profound educational innovation that presents the greatest challenges confronting leading companies, nonprofits, and government organizations—complete with the constraints and incomplete information found in real business issues—and places the student in the role of the decision maker. There are no simple solutions; yet through the dynamic process of exchanging perspectives, countering and defending points, and building on each other's ideas, students become adept at analyzing issues, exercising judgment, and making difficult decisions—the hallmarks of skillful leadership.
Actionable Items
I also like to apply case method to my personal finance research, and also apply to my mock interview experience as an interviewer.
Sallie Krawcheck, CEO - Ellevate Network
Here is the link.
Sallie Krawcheck graduated from UNC at Chapel Hill and began working as an investment banker at Salomon Brothers. She obtained her MBA from Columbia Business School and went to work for DLJ immediately after. When she turned 30, Sallie realized she would be much better suited for a job as a research analyst and moved to Sanford C. Bernstein, where she quickly rose to become the Chairman and CEO of sell-side research. In 2002, she joined Citigroup as the CEO and Chairman of Smith Barney, for which she was named "Fortune's Most Influential Person Under the Age of 40." Five years later, she was once again promoted to CEO, this time of Citi's Wealth Management group. In 2009, she was hired by Bank of America after the acquisition of Merrill Lynch to head the Global Wealth Management group, where she led the unit to $3.1 billion in profit. After leaving Bank of America in 2011, Krawcheck has been an advisor to numerous companies and recently bought the women's networking site, 85 Broads in May 2013. During her career, Krawcheck was named by Fortune as one of the "Most Powerful Women" in business for six straight years, one of "Global Business Influentials" by Time Magazine, and the "Business Leader of the Future Award" by CNBC. "My success has really been the sense of joy in my work. It's the sense of great fortune that really enables one to have a fulfilling career."
Sallie Krawcheck graduated from UNC at Chapel Hill and began working as an investment banker at Salomon Brothers. She obtained her MBA from Columbia Business School and went to work for DLJ immediately after. When she turned 30, Sallie realized she would be much better suited for a job as a research analyst and moved to Sanford C. Bernstein, where she quickly rose to become the Chairman and CEO of sell-side research. In 2002, she joined Citigroup as the CEO and Chairman of Smith Barney, for which she was named "Fortune's Most Influential Person Under the Age of 40." Five years later, she was once again promoted to CEO, this time of Citi's Wealth Management group. In 2009, she was hired by Bank of America after the acquisition of Merrill Lynch to head the Global Wealth Management group, where she led the unit to $3.1 billion in profit. After leaving Bank of America in 2011, Krawcheck has been an advisor to numerous companies and recently bought the women's networking site, 85 Broads in May 2013. During her career, Krawcheck was named by Fortune as one of the "Most Powerful Women" in business for six straight years, one of "Global Business Influentials" by Time Magazine, and the "Business Leader of the Future Award" by CNBC. "My success has really been the sense of joy in my work. It's the sense of great fortune that really enables one to have a fulfilling career."
The secrets of people who love their jobs | Shane Lopez | TEDxLawrence
Here is the link.
Happiness depends on the goodness of our jobs, and those good jobs are made not found. Shane J. Lopez, Ph.D., is the world’s leading researcher on hope. His mission is to help people of all ages exercise some control over what their future can become and to teach them how to aim for the future they want in school, work and life. He is also one of the most vocal advocates of psychological reform of America’s education system. He helps schools function less like impersonal factories and more like dynamic human development centers that help students achieve the meaningful futures they say they really want – including a good job and a happy family.
Happiness depends on the goodness of our jobs, and those good jobs are made not found. Shane J. Lopez, Ph.D., is the world’s leading researcher on hope. His mission is to help people of all ages exercise some control over what their future can become and to teach them how to aim for the future they want in school, work and life. He is also one of the most vocal advocates of psychological reform of America’s education system. He helps schools function less like impersonal factories and more like dynamic human development centers that help students achieve the meaningful futures they say they really want – including a good job and a happy family.
Case study: Tell people I am 53 years old
Nov. 7, 2019
I start to encourage myself to use the word 50s. I started to practice this more than a few months ago, it helped me to find my current renters in the city of Boca Raton, Florida quickly. I like to share the story.
I will write the story later.
Introduction
I start to encourage myself to use the word 50s. I started to practice this more than a few months ago, it helped me to find my current renters in the city of Boca Raton, Florida quickly. I like to share the story.
Case study
I will write the story later.
What I learn from Facebook onsite interview this August?
Nov. 7, 2019
It is my personal finance research. I like to conduct a short research on this topic, what I learn from Facebook onsite interview after three months.
After Facebook onsite interview, I learn that it is also important for me to stay focus on most basic things. I like Amazon leadership principles, specially being frugal is my most favorite. But I also learn that it is so important for me to improve my problem solving skills in terms of algorithm and data structure.
I also learn the importance for me to stay focus. Do not get involve in other people's business. Stay on the track to push myself to work hard.
Introduction
It is my personal finance research. I like to conduct a short research on this topic, what I learn from Facebook onsite interview after three months.
What I learn
I also learn the importance for me to stay focus. Do not get involve in other people's business. Stay on the track to push myself to work hard.
Learn to say no and stay firmly - series 1 of 10
Nov. 7, 2019
It is my personal finance research. I work on frugal study, and then after more than six months, I start to learn how to think in terms of being frugal, and also try to work on my millionaire dream as well.
Introduction
It is my personal finance research. I work on frugal study, and then after more than six months, I start to learn how to think in terms of being frugal, and also try to work on my millionaire dream as well.
Say no to my young sister
Start to learn python
Nov. 7, 2019
It is time for me to learn python through one of my mock intervewees. He wrote perfect code to solve word ladder - find all paths using Python. What I like to do is to write the same code using python, and then try to understand the code.
I will start to learn Python starting from Nov. 2019. I just spend less than 30 minutes to do the work. I assume that I can join Facebook in 2020, and I have to write code using Python. I like to use this technique to motivate myself to try new things.
Here is the blog with python code.
Introduction
It is time for me to learn python through one of my mock intervewees. He wrote perfect code to solve word ladder - find all paths using Python. What I like to do is to write the same code using python, and then try to understand the code.
Short study is best choice
I will start to learn Python starting from Nov. 2019. I just spend less than 30 minutes to do the work. I assume that I can join Facebook in 2020, and I have to write code using Python. I like to use this technique to motivate myself to try new things.
Here is the blog with python code.
Beyond HELLO: Changing the Perception of Homelessness | Kristi Blakeway | TEDxWestVancouverED
Here is the link.
The idea worth spreading is that the homeless have stories to tell. Kristi and her students are ensuring those stories are heard. Every one of us has a story worth hearing. When we empower others to tell their story, we awaken the heart and mind. Kristi Blakeway is a principal from Maple Ridge, BC and founder of Beyond HELLO (www.BeyondHELLO.org), a social project that encourages people to engage in real dialogue. Kristi was recently named Vancouver’s Woman of Distinction by the YWCA for her work with students connecting the community. Over the last six years, her students have helped over 500 homeless people re-connect with family and friends through greeting cards, phone calls and face to face reunions. Kristi is a dynamic speaker who will encourage us all to Go Beyond.
Homeless can happy to any one.
The idea worth spreading is that the homeless have stories to tell. Kristi and her students are ensuring those stories are heard. Every one of us has a story worth hearing. When we empower others to tell their story, we awaken the heart and mind. Kristi Blakeway is a principal from Maple Ridge, BC and founder of Beyond HELLO (www.BeyondHELLO.org), a social project that encourages people to engage in real dialogue. Kristi was recently named Vancouver’s Woman of Distinction by the YWCA for her work with students connecting the community. Over the last six years, her students have helped over 500 homeless people re-connect with family and friends through greeting cards, phone calls and face to face reunions. Kristi is a dynamic speaker who will encourage us all to Go Beyond.
Homeless can happy to any one.
Actionable items
I like the show and it really tells good stories about homeless people in the city of Vancouver.
Case study: Word ladder - find all paths given source and destination words
Nov. 7, 2019
I like to write a short case study for Nov. 6, 2019 mock interview as an interviewer.
Python code is the following:
End of python code
I like to write a short case study for Nov. 6, 2019 mock interview as an interviewer.
Python code is the following:
End of python code
Career Advice from a Woman Who Ruled Wall Street | Sallie Krawcheck
Here is the link.
Sallie Krawcheck is the current CEO of Ellevest (a digital investment platform for women), is a former CFO and CEO at Citigroup and Merrill Lynch respectively, and is a self-described "financial feminist". She speaks here to women, but this advice can be applied across the board to anyone who is marginalized in the workplace or wants to jumpstart their personal wealth. For Krawcheck, the best career advice no one is talking about is actually financial advice: invest. Make your money work while you do, so that you have more financial freedom to make confident decisions in your career: ask for a promotion, quit the job that doesn't treat you well, or test your own business ideas. If you have money in the bank, you are free to play looser with your decisions. Men do it, and women should too. Remember this: "Ladies, we will not be equal with men until we are financially equal with men," Krawcheck says. Her second piece of advice is to ask for more money from your very first job, and to plant the seeds of a 12-pronged pay-rise request far in advance. Twelve prongs? Yep. It will all makes sense once you hear out her incredible guide to negotiating a salary increase and closing the gender pay gap. Sallie Krawcheck is the author of Own It: The Power of Women at Work.
Sallie Krawcheck: So there is so much career advice for women. The best career advice that you are not getting is to invest. “What? What? That has absolutely nothing to do with my performance on the job!” Yes, but it does have to do with having more money. And if you are investing to the same extent that the guys are, that will on average—and has historically—added to your wealth hundreds of thousands of dollars, for some women millions of dollars, over the course of their lives. What happens when you’ve got more money? You can play looser, right? You can, with more confidence, go in, ask for that promotion, for that overseas assignment, quit that job you cannot stand because that boss is such a jerk. Start your own business, test your own business. The degrees of freedom when we’ve got more money are substantial. And I’ll even take it all the way to: it will also help us get to equality with men. That confidence in the workforce, that equality. Ladies, we will not be equal with men until we are financially equal with men. So the best career advice you’re not getting is to invest. I wish I didn’t have to give you this advice. I wish every company out there just let you be you; accept that you’re just not comfortable going in and negotiating for the raise and not to force you to do it. Close that gender pay gap, pay everybody exactly what they’re worth, and not make negotiating a core part of getting compensated in this country. So I wish I didn’t have to do that. But I do. And so we have to accept the world as it is today, and so ladies, you’ve got to negotiate from the first job. You just have to. Let me give you the example why. So I managed a lot of people over a lot of years and I will tell you that every year almost every guy who reported to me, before bonus time would come into my office and tell me how much they wanted to make. And every guy every year typically told me more than he was in the budget for. And so, think about what happens, right: Jim and Mary. Jim and Mary are both in the budget for a bonus or a raise of five each. Jim comes in, tells me he wants ten—I never hear from Mary. I giggle to myself, “That Jim, he’s so crazy, you know, we’re never paying him ten.” Well comes around time to put the budget together, give out the raises or the bonuses, and I know—my HR head and I both know Jim wants ten. Well, you know, we’re not going to pay him ten but, you know, his office door was closed the other day and the guys down the street are looking for someone like Jim. And by the way, he made a really good point, I totally forgot about that project he did. We’ll pay him seven. Now how much does Mary make? The answer usually is five. The right answer, of course, is three. Just because Jim asked for more and I choose to give him more doesn’t mean my bonus pool goes up. It doesn’t mean my budget goes up. And so there is to some extent a zero sum game.
Sallie Krawcheck is the current CEO of Ellevest (a digital investment platform for women), is a former CFO and CEO at Citigroup and Merrill Lynch respectively, and is a self-described "financial feminist". She speaks here to women, but this advice can be applied across the board to anyone who is marginalized in the workplace or wants to jumpstart their personal wealth. For Krawcheck, the best career advice no one is talking about is actually financial advice: invest. Make your money work while you do, so that you have more financial freedom to make confident decisions in your career: ask for a promotion, quit the job that doesn't treat you well, or test your own business ideas. If you have money in the bank, you are free to play looser with your decisions. Men do it, and women should too. Remember this: "Ladies, we will not be equal with men until we are financially equal with men," Krawcheck says. Her second piece of advice is to ask for more money from your very first job, and to plant the seeds of a 12-pronged pay-rise request far in advance. Twelve prongs? Yep. It will all makes sense once you hear out her incredible guide to negotiating a salary increase and closing the gender pay gap. Sallie Krawcheck is the author of Own It: The Power of Women at Work.
Sallie Krawcheck: So there is so much career advice for women. The best career advice that you are not getting is to invest. “What? What? That has absolutely nothing to do with my performance on the job!” Yes, but it does have to do with having more money. And if you are investing to the same extent that the guys are, that will on average—and has historically—added to your wealth hundreds of thousands of dollars, for some women millions of dollars, over the course of their lives. What happens when you’ve got more money? You can play looser, right? You can, with more confidence, go in, ask for that promotion, for that overseas assignment, quit that job you cannot stand because that boss is such a jerk. Start your own business, test your own business. The degrees of freedom when we’ve got more money are substantial. And I’ll even take it all the way to: it will also help us get to equality with men. That confidence in the workforce, that equality. Ladies, we will not be equal with men until we are financially equal with men. So the best career advice you’re not getting is to invest. I wish I didn’t have to give you this advice. I wish every company out there just let you be you; accept that you’re just not comfortable going in and negotiating for the raise and not to force you to do it. Close that gender pay gap, pay everybody exactly what they’re worth, and not make negotiating a core part of getting compensated in this country. So I wish I didn’t have to do that. But I do. And so we have to accept the world as it is today, and so ladies, you’ve got to negotiate from the first job. You just have to. Let me give you the example why. So I managed a lot of people over a lot of years and I will tell you that every year almost every guy who reported to me, before bonus time would come into my office and tell me how much they wanted to make. And every guy every year typically told me more than he was in the budget for. And so, think about what happens, right: Jim and Mary. Jim and Mary are both in the budget for a bonus or a raise of five each. Jim comes in, tells me he wants ten—I never hear from Mary. I giggle to myself, “That Jim, he’s so crazy, you know, we’re never paying him ten.” Well comes around time to put the budget together, give out the raises or the bonuses, and I know—my HR head and I both know Jim wants ten. Well, you know, we’re not going to pay him ten but, you know, his office door was closed the other day and the guys down the street are looking for someone like Jim. And by the way, he made a really good point, I totally forgot about that project he did. We’ll pay him seven. Now how much does Mary make? The answer usually is five. The right answer, of course, is three. Just because Jim asked for more and I choose to give him more doesn’t mean my bonus pool goes up. It doesn’t mean my budget goes up. And so there is to some extent a zero sum game.
Wednesday, November 6, 2019
Case study: My reactions of first laidoff in 2001 October
Nov. 6, 2019
It is so interesting topic to write about my first laidoff reaction. I have inspiration to write after I watched the video about the billionaire wall street Sallie Krawcheck's interview.
Introduction
It is so interesting topic to write about my first laidoff reaction. I have inspiration to write after I watched the video about the billionaire wall street Sallie Krawcheck's interview.
C# LinkedList APIs
Ask questions
What I did is to spend time to guess what each API does, and then google them as well. I like to get familiar with IEnumerable interface, and also try to get ideas how to maintain the double linked list, what actions can be involved in the double linked list.
Sallie Krawcheck Net Worth
Here is the link.
Net Worth:$17.2 Billion
After leaving Citigroup in 2008, the plainspoken South Carolina native was out of work for several months. She joined Bank of America in 2009 but was passed over for the top job. Still, the consolation prize is hardly sympathy-inducing: She was appointed the head of Bank of America's wealth management business late last year. Krawcheck oversaw one of the few growth areas in the world of finance. The acquisition of Merrill Lynch in early 2009 resulted in Krawcheck helming a division with 15,000 financial advisors and $1.9 trillion in client assets. Sallie became the CEO and Co-Founder of Ellevest in September 2015. She currently has a net worth of $17.2 billion.
Net Worth:$17.2 Billion
After leaving Citigroup in 2008, the plainspoken South Carolina native was out of work for several months. She joined Bank of America in 2009 but was passed over for the top job. Still, the consolation prize is hardly sympathy-inducing: She was appointed the head of Bank of America's wealth management business late last year. Krawcheck oversaw one of the few growth areas in the world of finance. The acquisition of Merrill Lynch in early 2009 resulted in Krawcheck helming a division with 15,000 financial advisors and $1.9 trillion in client assets. Sallie became the CEO and Co-Founder of Ellevest in September 2015. She currently has a net worth of $17.2 billion.
What's Holding You Back? Women on Wall Street (Full) | 92Y Talks
Here is the link.
http://92Y.org/Talks | Are we sabotaging ourselves? What are the pitfalls and traps to look out for? How would Wall Street be different if women were in charge? Sallie Krawcheck, Karen Finerman, and Melissa Lee discuss at 92Y on June 10, 2013.
http://92Y.org/Talks | Are we sabotaging ourselves? What are the pitfalls and traps to look out for? How would Wall Street be different if women were in charge? Sallie Krawcheck, Karen Finerman, and Melissa Lee discuss at 92Y on June 10, 2013.
Finerman's Rules for Women, Life
Here is the link related to Karen Finderman's book.
CNBC's Karen Finerman offers investing advice, as well as her "Rules" for women seeking to get ahead on Wall Street.
Do not bet on the market. Bet on better understanding the market by going through learning and studying hard.
Hedge fund space to learn - retail business, industry business
CNBC's Karen Finerman offers investing advice, as well as her "Rules" for women seeking to get ahead on Wall Street.
Do not bet on the market. Bet on better understanding the market by going through learning and studying hard.
Hedge fund space to learn - retail business, industry business
Being frugal
Nov. 6, 2019
It is hard for me to tell my friend that I am being a frugal person. So I decide to write a blog to tell my thought process.
I got contacted by my friend, she told me that she planned to go to Paris thanksgiving holiday. Her daughter changed her mind. So she will go alone, and if I purchase the ticket, then I do not need to pay for hotel and food.
I did notice that I have to say so many nos to my sisters and my brother. I have to say so many nos to friends since I decide to be frugal.
I think that I have to learn how to win respect from my siblings and friends.
Introduction
It is hard for me to tell my friend that I am being a frugal person. So I decide to write a blog to tell my thought process.
Going to Paris
I got contacted by my friend, she told me that she planned to go to Paris thanksgiving holiday. Her daughter changed her mind. So she will go alone, and if I purchase the ticket, then I do not need to pay for hotel and food.
I did notice that I have to say so many nos to my sisters and my brother. I have to say so many nos to friends since I decide to be frugal.
I think that I have to learn how to win respect from my siblings and friends.
What Killed The American Middle Class? (Financial Crash Documentary) | Real Stories
Here is the link.
With around 120,000 people declared bankrupt each month, many of the squeezed middle-class see the American dream slipping away.
With around 120,000 people declared bankrupt each month, many of the squeezed middle-class see the American dream slipping away.
Tuesday, November 5, 2019
239. Sliding Window Maximum
239. Sliding Window Maximum
Here is my post. I got 5 upvotes. Good job! well done!
I like to practice one more time using in C# in short future.
Here is my post. I got 5 upvotes. Good job! well done!
C# optimal solution using dequeue
It is a hard level algorithm. I did write an optimal solution in August, 2015, more than three years ago. I like to share my C# code here.
This June I was asked to work on the algorithm but I did not come out the optimal solution using dequeue, where ascending numbers are kept only.
This June I was asked to work on the algorithm but I did not come out the optimal solution using dequeue, where ascending numbers are kept only.
It is much better for me to constantly review what I have practiced and learn from my own experience.
using System;
using System.Collections.Generic;
using System.Linq;
using System.Text;
using System.Threading.Tasks;
namespace _239_Sliding_window_maximum
{
class Program
{
static void Main(string[] args)
{
var result = MaxSlidingWindow(new int[] { 1, 3, -1, -3, 5, 3, 6, 7 }, 3);
}
/// <summary>
/// code was submitted by Jianmin Chen August 2015
/// Time complexity: O(N), N is is the length of the array
/// </summary>
/// <param name="nums"></param>
/// <param name="k"></param>
/// <returns></returns>
public static int[] MaxSlidingWindow(int[] nums, int k)
{
if (k == 0) return nums;
int len = nums.Length;
int maxArrayLen = len - k + 1;
int[] ans = new int[maxArrayLen];
LinkedList<int> q = new LinkedList<int>();
// Queue stores indices of array, and
// values are in decreasing order.
// So, the first node in queue is the max in window
for (int i = 0; i < len; i++)
{
// 1. remove element from head until first number within window
if (q.Count > 0 && q.First.Value + k <= i)
{
q.RemoveFirst();
}
// 2. before inserting i into queue, remove from the tail of the
// queue indices with smaller value they array[i]
while (q.Count > 0 && nums[q.Last.Value] <= nums[i])
{
q.RemoveLast();
}
q.AddLast(i);
// 3. set the max value in the window (always the top number in
// queue)
int index = i + 1 - k;
if (index >= 0)
{
ans[index] = nums[q.First.Value];
}
}
return ans;
}
}
}
If you like my analysis and sharing, please give me an upvote. I also put all my C# algorithm together, the link is
https://github.com/jianminchen/Leetcode_Julia/tree/master/Leetcode discussion.
https://github.com/jianminchen/Leetcode_Julia/tree/master/Leetcode discussion.
Actionable Items
I like to practice one more time using in C# in short future.
Fighting homelessness, my way: Jamal Mechbal at TEDxDelft
Here is the link.
You think you have it all -- graduated from three different universities, a good job and a great marriage -- and then it all falls apart. Your marriage ends, you lose your job and you become homeless. It happened to Jamal Mechbal and it can happen to all of us according to him. It does not matter how you end up in this situation, what matters is how you deal with it. At TEDxDelft, Jamal speaks about his fascinating and inspiring story of being homeless and recovering from it. In the spirit of ideas worth spreading, TEDx is a program of local, self-organized events that bring people together to share a TED-like experience. At a TEDx event, TEDTalks video and live speakers combine to spark deep discussion and connection in a small group. These local, self-organized events are branded TEDx, where x = independently organized TED event. The TED Conference provides general guidance for the TEDx program, but individual TEDx events are self-organized.* (*Subject to certain rules and regulations)
Two kids, 32 years old, laidoff, homeless,
You think you have it all -- graduated from three different universities, a good job and a great marriage -- and then it all falls apart. Your marriage ends, you lose your job and you become homeless. It happened to Jamal Mechbal and it can happen to all of us according to him. It does not matter how you end up in this situation, what matters is how you deal with it. At TEDxDelft, Jamal speaks about his fascinating and inspiring story of being homeless and recovering from it. In the spirit of ideas worth spreading, TEDx is a program of local, self-organized events that bring people together to share a TED-like experience. At a TEDx event, TEDTalks video and live speakers combine to spark deep discussion and connection in a small group. These local, self-organized events are branded TEDx, where x = independently organized TED event. The TED Conference provides general guidance for the TEDx program, but individual TEDx events are self-organized.* (*Subject to certain rules and regulations)
Taking notes
Two kids, 32 years old, laidoff, homeless,
You're Homeless... Now What? | Martha Stone | TEDxPiscataquaRiver
Here is the link.
What does homelessness look like, and who does it effect? Martha Stone, the executive director of a 96-bed homeless shelter, shares the stories of a few residents of the shelter, and shares how we can all end the cycle of homelessness in our communities. Martha Stone joined the staff of Cross Roads House, a 96 bed homeless shelter, in 2004 as the Development Director and was promoted to Executive Director in 2013. In her role as the development director she oversaw and executed a successful $5 million capital campaign to design and construct a new shelter facility. As the largest shelter in the NH Seacoast region, Cross Roads House provides emergency and transitional shelter and services for individual adults and families. Martha is responsible for overseeing shelter operations, programming, marketing, fundraising, and financial management of the non-profit organization. Martha received her BA in Communications from Boston College. In early 2015, she completed eleven years of service as a school board member for the town of Greenland, NH where she resides with her husband and two children, both of whom are currently away at college. She can be contacted at martha@crossroadshouse.org.
It is just a friendly remind to let me educate myself first. I also like to remind myself stay distance my siblings, who likes to take advantage of me financially. Every one of us has danger to be a homeless, one failure of financial mistake, like overprice condo purchase in the city of Surrey, one mistake in behavior at the job, or any other things related.
I do think that I have to stay calm and stay positive to say no to those people who has history of bully people, and all other kinds of issues.
What does homelessness look like, and who does it effect? Martha Stone, the executive director of a 96-bed homeless shelter, shares the stories of a few residents of the shelter, and shares how we can all end the cycle of homelessness in our communities. Martha Stone joined the staff of Cross Roads House, a 96 bed homeless shelter, in 2004 as the Development Director and was promoted to Executive Director in 2013. In her role as the development director she oversaw and executed a successful $5 million capital campaign to design and construct a new shelter facility. As the largest shelter in the NH Seacoast region, Cross Roads House provides emergency and transitional shelter and services for individual adults and families. Martha is responsible for overseeing shelter operations, programming, marketing, fundraising, and financial management of the non-profit organization. Martha received her BA in Communications from Boston College. In early 2015, she completed eleven years of service as a school board member for the town of Greenland, NH where she resides with her husband and two children, both of whom are currently away at college. She can be contacted at martha@crossroadshouse.org.
Actionable items
It is just a friendly remind to let me educate myself first. I also like to remind myself stay distance my siblings, who likes to take advantage of me financially. Every one of us has danger to be a homeless, one failure of financial mistake, like overprice condo purchase in the city of Surrey, one mistake in behavior at the job, or any other things related.
I do think that I have to stay calm and stay positive to say no to those people who has history of bully people, and all other kinds of issues.
The unexpected face of homelessness: Bee Orsini at TEDxMacquarieUniversity
Nov. 15, 2019
Introduction
It is my personal finance research. I like to study homeless, hidden homeless. This is such a great topic about poverty, and most important is for me to appreciate what I have, work hard and push myself to get educated.
One case study a time
Australian, over 40,000 people homeless.
Here is the link.
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