吴军博士写给女儿的信：趁年轻，你要记住5件事

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决策时格局要大，做事时境界要高

在梦华大学二年级开学前，吴军给她写了两封信，他希望梦华能从大处着眼，在境界上超过同龄人，而不仅仅是技能比他们厉害。因此建议她在MIT选课时多选一些人文课程。

因为等她毕业离开学校，那些人文课程便难以学到了，倒是那些专业课，将来学习的机会很多。

MIT每年只录取1200余名本科生，哈佛一年也不过录取1600名左右本科生，加起来占美国人口的十万分之一。

谷歌到2017年底有8万人，苹果有13万人，加在一起21万，比哈佛和MIT招的学生多很多，但平均的智力和受教育程度显然要比这两所学校的毕业生低很多。

不过，因为他们做对了事情，人均产出并不低。

很多时候亚裔家长一直在纠结孩子上名校有没有用，吴军觉得，如果格局提升不上去，上了也没用，还达不到谷歌员工的平均水平。

当然，MIT的毕业生总体来说格局还是很高的。

MIT还在世的本科校友中，有大约1/3是大公司的高管和创始人，也就是说，他们并不是那些满足于赚小钱的人。

如果开始做一件事，就要尽可能往最好的目标努力，境界要高。

所谓境界，可以理解为目光能看多远。

如果你能够看到三年后的事情，而别人只能看到一年后的，那么你的境界就比别人高。

吴军问过很多在校大学生对今后的想法，大多数人关心的是学什么专业和技能可以赚大钱，而且最好快速获得成功。

一些年轻人甚至想在30多岁的时候就获得财富自由，他们的想法都不太现实。

但凡能够比较长期稳定赚钱的行业，比如医生，开始的投入都是比较大的。

并不存在一个不需要投入就能获得很高回报的行业。

否则这个行业一定竞争激烈，一段时间后行业的回报会急剧下降。

在人生的发展道路上，总会有很多短期诱惑。很多时候，那些诱惑显得如此美妙，会令周围的人渐渐放弃目标，接受它们。

这就是考验人的定力的时候。

吴军在信中对梦华说：

人的境界高一点儿，多关注长远，少盯着眼前，才能走得更远。

吴军：为什么第一份工作不要太在乎工资？

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对于非常重要的岗位，谷歌会开出一个比市场价高一倍的薪水，这样就由公司来挑选最好的人，而不是让最好的人在几家公司中做比较，才能快速让那些最优秀、最敬业的人为其所用。事实证明，靠这种方法聘请到行业里数一数二的精英，他们能够创造一般人创造不出的奇迹。

因为一个公司虽然不提供更高的薪酬，但是会给年轻人更多的成长空间，真正有志之人，你应该更看重后者。

功夫财经专访吴军博士

Here is the interview.

吴军博士《态度》

内容简介  · · · · · ·

《态度》一书是吴军老师首部个人成长类著作。吴军老师认为，由于处事的态度不同，起点差不多的人会不断分化，进而拉开命运的差距。

这本书是吴军老师给正在上大学和上高中的女儿们的家书，针对年轻人在成长过程中都要遇到的有效学习、处理人际关系、理解并赚取财富等具体问题，以及如何洞察世界、人生等哲学问题，给出了诚恳的建议。这些建议或源于作者的亲身经历，特别是十多年来参与大学管理和在世界一流企业从事管理工作的经验，或源自其尊崇的智者的成功经验，对渴望自我精进、加速成长的读者有着极高的参考和借鉴价值。

作者简介  · · · · · ·

吴军博士，毕业于清华大学和美国约翰•霍普金斯大学，是著名自然语言处理和搜索专家，硅谷风险投资人。他的著作《浪潮之巅》《硅谷之谜》《数学之美》《文明之光》和《大学之路》广受读者欢迎，其中，《数学之美》荣获第八届国家图书馆文津奖，《文明之光》荣获2014年“中国好书”奖，《 大学之路》荣获2015年“华文好书”奖，《浪潮之巅》成为许多高校商学院、计算机学院、软件学院和信息学院的教科书及参考书。

吴军博士是谷歌公司早期员工之一。他是谷歌网络搜索反作弊的研究领域的开创者之一，中日韩文搜索部门的创始人之一，并且是当前谷歌中日韩文搜索算法的主要设计者。在谷歌期间，他还领导了许多研发项目，特别是在机器学习、自然语言处理和语音识别领域。为此，他得到了前首席执行官埃里克•施密特和创始人谢尔盖•布林的高度评价，并获得谷歌工程奖等奖项。

2010年—2012年，他加盟腾讯公司，出任负责搜索和搜索广告的副总裁，同时担任国家重大专项“新一代搜索引擎和浏览器”项目的总负责人。2012年回到谷歌，负责开发了被认为是“下一代搜索”的谷歌自动问答系统。同年，他作为创始合伙人创立了丰元风险投资基金（ZPark Capital），并且投资了90多家硅谷的初创公司。此前，他作为中国世纪基金的董事，在中国投资了数家科技企业，均于2015年之前上市或被收购。

吴军博士在国内外发表过数十篇论文，曾获全国人机语音智能接口会议的最佳论文奖和Eurospeech的最佳论文奖。还获得了十余项美国和国际专利。

吴军博士还担任上海交通大学客座研究员、约翰•霍普金斯大学工学院董事会董事和校国际事务委员会顾问，以及中国工业和信息化部的专家顾问。同时，他也是数家投资基金、创业公司的董事和顾问。

目录  · · · · · ·

序 言 态度决定命运 ...... VII
第一章/人生哲学
第1封信 乐观的人生态度比什么都重要 ...... 003
第2封信 幸福的来源 ...... 009
第3封信 如何拥有抵制诱惑的定力 ...... 015
第4封信 成功是成功之母 ...... 021
第5封信 最好是更好的敌人 ...... 027
第6封信 好习惯成就一生...... 033
第二章/ 洞察世界
第7 封信 决策时格局要大 ...... 045
第8 封信 做事时境界要高 ...... 053
第9 封信 生活是具体的 ...... 061
第10 封信 教育改变命运 ...... 069
第11 封信 好运气背后是三倍的努力 ...... 079
第12 封信 更重要的是做个好人 ...... 087
第三章/ 对待金钱
第13 封信 面对贫穷，你可以选择沉沦或奋起 ...... 095
第14 封信 承认自己“贫穷”，才能真正“富有” ...... 103
第15 封信 不乱花钱，也不乱省钱 ...... 109
第16 封信 运用财富时要从大处着眼 ...... 111
第17 封信 懂得钱的用途，还要有赚钱的本领 ...... 117
第18 封信 第一次投资的建议 ...... 123
第19 封信 一生永远不要碰的三条红线 ...... 129
第20 封信 我的金钱观 ...... 137
第四章/ 人际关系
第21 封信 论友情：交友时不要怕吃小亏 ...... 147
第22 封信 论爱情：合适的人会让你看到和得到全世界 ...... 155
第23 封信 团结大多数人 ...... 163
第24 封信 远离势利小人 ...... 169
第25 封信 达到沟通目的才算有效沟通 ...... 175
第26 封信 如何体面地拒绝别人 ...... 181
第五章/ 有效学习
第27 封信 上帝喜欢笨人 ...... 191
第28 封信 证伪比证实更重要 ...... 197
第29 封信 做理性的怀疑者 ...... 207
第30 封信 为什么要读非小说类名著 ...... 217
第31 封信 为什么要学好数学 ...... 223
第32 封信 我们在大学学什么 ...... 229
第33 封信 如何选择学校和专业 ...... 237
第34 封信 写科技论文的技巧 ...... 243
第六章/ 做人做事
第35 封信 做事前不要过分算概率 ...... 253
第36 封信 专业和业余的区别 ...... 257
第37 封信 永远寻找更好的方法 ...... 265
第38 封信 服从是学会领导的第一步 ...... 271
第39 封信 捡最重要的事先做 ...... 277
第40 封信 主动心态能提升全局观和协作力 ...... 283

吴军谈投资 - 过于冒险

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第一，不要进行过于冒险，会导致灭顶之灾的投资；

第二，不要进行自己不懂的投资。

第一点，什么是过于冒险，会导致灭顶之灾的投资呢？

巴菲特讲了两种——做空股票和使用杠杆投资。所谓做空股票，是和人们通常买卖股票方式相反的一种操作。通常人们在股价低的时候买入股票，在股价上涨后卖掉股票套利，这叫作做多股票。如果反过来，在股价高的时候，将自己的资金抵押出去，借得股票后先卖掉，期望股票下跌时能够买入平仓，这就叫作做空股票。

做空股票相比做多股票有两个巨大的风险。第一，如果股票没有按照预期下跌，而是上涨了，那么做空股票的损失从理论上讲无穷大，可以让你倾家荡产。相比之下，做多股票即便跌到零，也不过是损失100%。举个例子，如果你在谷歌上市的时候购买它的股票，换算成今天的成本大约是50美元，即便谷歌倒闭了，也不过是一股损失50美元。只要你能工作挣钱，大不了从头再来。但是，如果你做空谷歌，今天它的价格是1000美元左右，你的损失每一股高达950美元。因此，做空股票的收益有限，但是风险无限大。第二，对于做空者来讲更糟糕的是，由于经济是发展的，股票上涨是常态，因此亏钱也就变成常态。

使用杠杆投资，就是把你的资产抵押进去，借钱买股票。这种做法的好处是，如果股市涨了1%，而你额外加了一倍的杠杆，你的收益就是2%。如果下跌，你的损失也会放大一倍。我在上次的信中和你说，自从出现股市到目前为止，股市指数不论如何下跌，都会涨回来，因此你只要投资整个股市，而不是投资单只股票，就不必担心短期账面上的损失。如果你使用了杠杆，情况就不同了。假如你使用了两倍的杠杆，股市下跌50%，你就没有机会了。这种情况被称为被抹平（wipe off），我有时开玩笑地把这种情况叫作“见外婆”。如果你使用了10倍的杠杆，只要股市有10%的波动，你就“见外婆”了。

巴菲特在2017年给股东的信中，他提到伯克希尔–哈撒韦公司在过去半个世纪遇到过4次股票大跌的情况，有两次超过50%，两次接近50%。如果该公司多加了哪怕一倍的杠杆，就已经“见外婆”4次了。当然，只要有一次，今天就很少有人知道巴菲特这个名字了。在20世纪末，世界上一些最聪明的经济学家和投资人，包括诺贝尔经济学奖得主，创立了一个叫作“长期资本投资”的公司，加了10倍左右的杠杆，结果欧洲和亚洲出现了一点儿风吹草动，他们就“见外婆”了。可见，在投资中，严于律己和恪守原则比聪明与专业知识更重要。

Actionable Items

Let me take notes. 
在20世纪末，世界上一些最聪明的经济学家和投资人，包括诺贝尔经济学奖得主，创立了一个叫作“长期资本投资”的公司，加了10倍左右的杠杆，结果欧洲和亚洲出现了一点儿风吹草动，他们就“见外婆”了。
I watched the video one week ago about two Nobel prizer economist investors.

潘石屹:如何看待成功-优米

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SOHO中国董事长潘石屹（ShiYI Pan ）：成功的几个要素

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他的身份是另类创业先锋，悠然自得的房地产大亨； 他的哲学是种瓜得豆，种豆得佛，务实的理想主义者；年轻人在这里畅所欲言，与老潘对话，获得成长营养；老潘谈笑间解答你的迷茫与困惑。潘石屹，大学毕业后到河北廊坊石油部管道局工作，1987年起开始在深圳和海南开创自己的房地产开发生涯。1992年，潘石屹与人合作共同创建了北京万通实业股份有限公司，在北京开发房地产。1995年，潘石屹与张欣共同创立了SOHO中国有限公司。2011年10月6日，潘石屹微博上调侃乔布斯说"'苹果'董事会应该马上做一决定：大量生产1000元人民币以下一部的iPhone和iPad，让更多人用上'苹果'，这是对乔布斯最好的纪念"，引发网友热议，并制作"1潘币"调侃潘石屹。潘石屹，一位被看作是当今中国 银河SOHO 最活跃、最具有鲜明个性的房地产领袖之一。作为SOHO中国的董事长，他一直掌管着公司在中国的商业地产领域的开发业务。尤其在北京的CBD地区，他留下了永久的印记，在这个区域，无论在建筑的规模上还是在项目的销售额上，SOHO中国都是最大的开发商，并为北京大胆引入了标志性的当代建筑。

A Conversation with Zhang Xin - In Discussion with Deborah Davis, Professor of Sociology

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What I learn from the interviewee on Nov. 30, 2019

Dec. 1, 2019

Introduction

It is such a great idea to write a blog, how can I learn from the interviewee I met on Nov. 29, 2019.

What to learn 

I like to replay the video, and then I can understand the interviewee did such a great work. How he focus on problem solving, and also focus on the task at hand.

Case study: Mock interview letter tiles possibilities, here is the link. 

Complete binary tree, here is the link. 

The Woman Who Built Bejing: Zhang Xin

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China's billionaire building mogul on her rise from extreme poverty to fame and fortune.

Will of Warren Buffett

Here is the article. 

早年间，巴菲特曾在致股东一封信中谈及他的遗嘱问题，具体他是这样说的：

“我该补充一下，我的财务就在我的嘴里，我在这里提出的建议，本质上与我在遗嘱里列出的一些指令是相同的。通过这个遗嘱，把钱交给守护我爱人利益的托管人。”

“我对托管人的建议再简单不过，把10%的现金用来买短期政府债券，把90%的现金用于购买非常低成本的S&P500指数基金。”

“我相信，遵循这些方针的信托，能比大多数聘用昂贵投资经理的投资者获得更优的长期回报，无论是养老基金、机构还是个人。”

从巴菲特的对遗嘱的描述中不难看出，巴菲特认为指数基金是一个非常优秀的投资方式。而如何获得低成本的指数基金，就是这个所谓的关键了！

A轮、B轮、C轮融资，股权不被稀释

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一般情况下，创业企业融资可以分为以下几个阶段：

• 创立：自己出注册资本金
• 天使：投资人“看人下菜“
• A轮：经过基本验证，具有可行性
• B轮：发展一段时间，公司还可以
• C轮：继续发展，看到了上市希望
• IPO：投资人要套现离场。

Zhang Xin, CEO of SOHO China | The Brave Ones

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The Brave Ones – In collaboration with Credit Suisse: Zhang Xin is a self-made property magnate. Born during China's repressive Cultural Revolution, Xin has become China's architect of change by reinventing the skylines of Beijing and Shanghai, building by building. Now she wants to inspire others to think big and get creative.

有一个女人，是她成就了地产大亨潘石屹

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她不惧怕任何困难险阻，哪怕独身一人，也要完成自己的目标。

1992年，27岁的她，取得了剑桥的经济学硕士学位。毕业后，她先后就职于华尔街的高盛集团和华尔街投资银行旅行家集团，负责中国直接投资项目，年薪25万美元。

原文網址：https://kknews.cc/story/4xexee3.html

知识无边界 | 钱研社创始人张殚：如何拯救2亿新中产的投资焦虑？

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据数据报道，中国现有的新中产阶级人数达2亿之多，新中产主要来自一二线城市，在他们看来，除了房产作为可投资的产品，其他的理财产品不知道是否能让财富增值，这也反映出大多数的中产阶层心中缺乏安全感，投资理财能力远远不够，资产配置、信息解读等理财知识缺乏，从而导致没有合理的理财规划和资产配置，买完一套房买二套房成为了大多数人的目标。

　　除了房产就没有其他投资理财的方式吗?对于中产阶层而言，需要有策略、有规划的做资产配置的组合，让专业的人做专业的事，也就成为了中产阶层的新选择。

　　钱研社，中国首家面向中产家庭的金融服务平台，用最易懂的方式传递投资的真谛，致力于打造投资理财教育类的知识分享平台，为2亿中产提供一站式家庭财富解决方案。钱研社创始于2016年3月，以音频和视频脱口秀为主要内容载体，把精深复杂的投资逻辑变得浅显易懂，消除大家在投资过程中因为“不懂”而产生的焦虑，让更多的投资“小白”享受投资的乐趣与成就感。

Zhang Xin's interview with Caixin 张欣:人生应去创造无限可能

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SOHO China's Zhang Xin: Real estate catches up with innovation

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Zhang Xin - China's Property Tycoon (Bloomberg)

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Oct. 24 -- Soho China Ltd. Chief Executive Officer Zhang Xin talks about the Chinese real estate market and how she went from a penniless sweatshop worker to a billionaire property developer. She speaks with Francine Lacqua on Bloomberg Television's "Eye To Eye." (Source: Bloomberg)

The Power of Female Leadership (Complete)

Here is the interview I like to spend one hour to watch.

NEW YORK, September 29, 2016 — Three prominent female leaders — Huffington Post Founder Arianna Huffington, SOHO China CEO Zhang Xin, and Asia Society President and CEO Josette Sheeran — share their own experiences and speak out about the challenges and opportunities that exist for future female leaders in Asia, the United States, and across the world. (1 hr., 8 sec.)

46:00/
Answer the question:

Start a blog. Every one is looking for good content.

51:00/
Passion or pay rent
Denial of publishing a book - how to get a loan from the bank?

《名利场》专访SOHO中国CEO张欣

Here is the link.

老友记 2016《经济怪谈》：张维迎对话陈志武

Here is the link.

锵锵三人行1229A 陈志武：金融让生活更美好

Here is the link.

段永平 （步步高集团董事长）

Here is the article.

2001年，段永平拿到了美国绿卡。对他的生活与事业是一个强烈的转折暗示。在投资领域，尤其是2001年底，在美国证券市场的低谷阶段，段永平开始以1美元左右“吃”进网易股200万余股。2003年10月14日，网易股飙升到70美元，段永平持有的股票在一年多里涨了五十倍以上。2003年,“福布斯富豪榜”对段永平的财富估价是10亿元，排第71位。如果说每个人的社会角色无形中确实存在一个预设的轨道的话，段永平常常会是那个突然脱离轨道、自行另铺一条的人。应该说，段永平认定“自我感受”、“快乐”是一个人人生中最重要的事，并不是美国给他启的蒙，尽管美国的环境也许强化了他这个观念。在移居美国之前，在很多场合，段都说过类似的话，“有些外在的东西是外人对你的评价，但你自己是不是感到很快乐？我觉得这个特别重要。快乐人生才是最大的财富。我见过太多的例子，很多人是因为有了钱以后变得不快乐了，而我个人认为如果一个有钱人因为钱而不快乐是很愚蠢的。”

《領航者Visionaries》陳志武 Chen Zhiwu：貧富差距懸殊 普通人如何應對

Here is the link.

經濟學家陳志武：貧富差距擴大無可逆轉，應如何應對？隨著生產力的發展，社會整體的收入水準不斷提高有目共睹，但人與人之間的收入差距也越來越大。這種現象也引起了學界的反思，著名的經濟學家、耶魯大學終身教授陳志武近些年也加入了對收入不平等的研究。

耶鲁大学金融教授陈志武

为什么中国人勤劳却不富有？最重要的原因就是，缺乏金融知识和方法，更不会金融投资和理财。

——耶鲁大学金融教授陈志武

耶鲁大学终身教授陈志武:如何独立思考-优米-HD高清-完整版

Here is the link.

小米林斌 - Microsoft, Google and Xiaomi

Here is the article.

他曾在微软待了11年，历任软件开发工程师、主任开发工程师、研发经理、工程总监。

2010年，他被雷军拉着创业，先是被“忽悠”着不拿工资，后来又被劝说讨钱投资小米。

没想到他居然答应了，把自己的微软、谷歌股份通通卖掉，换了钱来投资小米。

5年后，他所买的小米股票增长了500倍。

不仅如此，他还在2017年兼任手机部总经理，为小米手机的发展呕心沥血。

2018年10月，林斌以360亿元人民币财富位居2018年胡润百富榜第68位。

1990年，22岁的林斌又远赴重洋赴美留学，仅仅用了2年时间就修完了研究生的所有课程。

之后，他又加入一家软件公司担任软件工程师，一做就是3年。

3年过去了，他想换一份工作，接到了好几份offer，其中有来自华尔街的高薪职位，以及来自微软的offer。

那时候的微软，还远不是后面的微软，那时候win95还没发布，所以给到林斌的薪酬，只有其他offer的一半。

林斌仅仅用了2小时就做出决定——去微软。

林斌并没有预知未来的能力，他也不知道微软以后会成为现在的微软，他只是纯粹喜欢编程，觉得能在微软学到最厉害的编程技术。

然后，他举家搬到西雅图，在微软一做就是11年，从软件开发工程师一路做到了工程总监，并在这里认识了李开复。

2006年，林斌跟着李开复加入谷歌，任谷歌中国工程研究院副院长，工程总监、Google全球技术总监。

但在李开复离开谷歌之后，林斌也陷入了一种迷茫之中，他也开始考虑要不要离职创业。

5 minutes sharing: Willingdon church Chinese eagle reunion sharing

Nov. 30, 2019

Introduction

It is our reunion and we met at Formosa academy. We used to get together in Willingdon church starting from December 2010. After 2016, we stopped get-together, now it is 10 year reunion.

Get-together

We have 45 adults and 25 kids, now the old kids are 8 years old.

I am so glad to meet those friends again. Most of them grew up, married, with kids, one person left in 2013 and came back with wife and 4 year old son. I am still the same, work in the same job last 10 years, and still rent a small bedroom last 10 years. I am getting old, kind of easy to forget things, people's name, and all other things. My eye bleed yesterday and it is hard for me.

I did not attend Willingdon church starting from Nov. 2018 after I chose to start to work on personal finance. I felt so touched by so many friends, and so happy to watch them to grow into middle 30s or close to 40 years old, best years in their life.

What I shared is the story how I landed in Canada from 2010, how I find Willingdon church and met in the small group Willingdom Chinese single group.

I went to road trip 14 days to Vancouver in 2010, on the road trip to Yosemite, I got a call from my friend in Florida, and her classmate purchased a home in 47th st., so that was my first home. I rented a small bedroom, and attended the church they went. In December, I started to join Willingdon church. That year I was 44 years old.

I was naive and I chose to attend younger people single group instead of my age group. I learned that at the time people in the group are young and lack of business skills or other things. I also was cheated every year to go to same Chinese auto shop, my car's brake would not work, and I went back to the shop; I asked to change the engine oil, the Chinese mechanic let go my brake oil. I still went back. I did see a lot of issues in my skills to live and do business in Vancouver.

I talked about a few things from 2010 to 2017. I talked about car accident and I got hit from behind, the accident and what the accident taught me.

I talked about last meeting I asked Angela, what if I purchased a condo, then I could not afford it. She told me to sell it.

Now the condo price is doubled, after 10 years in Vancouver, I plan to migrate to other city, cheap house and then I should think about retirement. I am over the hill.

I talked about the behavior I had did not match my age. My college classmate told me that I should not do things people do in 28 years old, like her son working in Amazon Seattle. I asked what she did, one time she told me that she invests on stock market.

I did not attend the church after Nov. 2018, I was involved a lot of personal finance research. I am back in stock market. I did not learn from 2010 to 2018. I was stubborn and then now it is hard for me to learn the lesson how to invest.

This reunion reminded me that I should go back to attend Christian get-together.

Relentless by Tim Grover (Book Summary)

Here is the link.

改变我人生的3本好书 📖| 3 Must Read Books for Young Adults [ENG CC]

Here is the link.

理财Q&A: 年轻人理财最常见的5大误区 | 5 Common Misconceptions in Family Financial Planning

Here is the link.

理财Q&A: 20/30岁如何做好理性投资 | How to Invest as Young Adults

Here is the link.

Emotions - greedy, fear two biggest emotions
Buy low and sell high

long term to buy low and sell high - emotion affects judgement

Stock, mutual fund, and there is no strategy -

No strategy - risk, too many portfolio
take everything out
put everything into the market

No depth knowledge - Graham - teach how to invest?

90% investor loses money

透彻的分析， 本金的安全，

investment strategy - dollar cost average - $5,000 dollar into stock market, divide $500, 10 times,

The Power of Zero, Revised and Updated: How to Get to the 0% Tax Bracket and Transform Your Retirement

Here is the link.

理财Q&A: 年轻人如何做好个人理财&财富积累 | How to Better Manage Money in America

Here is the link.

理财 1. 风险管控 2. 税收平衡 3. 资产灵活性

理财Q&A: 90%的人都没听过的省钱/存钱妙招 | The Best Ways to Increase Savings 90% of People Don't Know

Here is the link.

My ten year home as a renter in the city of Vancouver

June 30, 2019

Introduction

It is time for me to review my last 10 years as a renter in the city of Vancouver. I stay the same place from 2010 December to Nov. 30, 2019. I like to write a case study about my renting experience.

10 years renting

I came to Vancouver on April 14, 2010. I went to Yosemite national park, I travel with my friend on 14 days road trip. I got a call from Florida, my friend called me and told me that her high school classmate just bought a house in 47th ave, it was empty and they were working on renovation of bathroom. So I got my first home in the east Vancouver. I stayed there until Dec. 2010.

I moved to second place in the city of Vancouver, less than 1 mile away from my first home 47th ave.

2019 June - 2019 November six month baby investor

Nov. 30, 2019

Introduction

It is very stressful to stay in the stock market even though I already know all the analysis of my own portfolios, I did research based on Canada retirement guide and do believe that the research makes sense. The road to take risk is tough, one thing I can manage is to stay in the market one year and learn from one year experience.

My portfolios

I already stayed in the market over 6 months. I totally felt good last 10 years to let fund stay in bank with 1% interest or no interest, but stay in the market and go up and down, I feel stressful. It is called loss aversion.

I had painful experience in short time in 2001 and in 2009. But I did not think carefully, over 20% loss, and then put all my USA fund in IRA CD or money market fund over 10 years. Even though each year only less than 1% interest.

It is called stubborn, getting old, no more learning in my personal finance. It is hard for me to push myself to advance in my career, so I chose to work on personal finance instead. Now I feel that it is tough to live a life like staying in market.

I can push myself to stay in the market one year. I will see how many things I learn, every time I feel stressful, I will try to learn something new on personal finance.

Actionable items

Based on my experience in 2001 and 2009, I did not invest enough time to learn investment. I just did the investment and managed my 401 K and IRA. I did not fully review every year. So this bad habit of personal finance caused me struggle last 23 years in north America.

It is better for me to invest time to learn basics first. I learned how to work on algorithm and data structure last five years, I like to use those experience to work on my personal finance as well.

Case study: I got a red eye

Nov. 30, 2019

Introduction

It is tough for me to catch up health management. I recently was busy at work and my own projects , but I got a red eye starting from Nov. 29, 2019. Life is tough when I have a red eye. I can feel the stress and pain around my eye last two days.

One picture worth million words

I also had a few instances of headache around August first time in my life. I had a few times and I went to see walk-in clinics.

Right now I have to look into possible issues related to this incident.

Case study: Comparison to engineers in Sillicon Valley

Nov. 30, 2019

Introduction

It is no surprise that I will meet very talent engineers on interviewing.io as an interviewer. I have to hold high standards, but I also am hard working super talent programmer, I should treat people with fairness. Hard working, good test skills, problem solving is very important, I am not searching top 5% on weekly contest on Leetcode.com.

Case study

I decided to make changes. Last three months I just used two algorithms to test so many engineers. Yesterday I decided to ask two new algorithms. 

I asked two algorithms in last six month weekly contest. I also failed or struggled to solve in weekly contest. So the interviewee performed much better than me. He solved both of them.

Today I learned that he is principle engineer in a very big hardware company in Sillicon Valley.

I met so many engineers working for Amazon, Facebook, Google and Oracle; every time I was surprised to learn that those people will beat me to compete a job based on coding interviews.

你可以聰明的懶惰，但絕不要愚昧的勤勞！ | 《其實工作不必這麼累》 | 艾爾文

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關於懶惰這兩個字，應該比較少人會把它當作正面的詞來看，但有選擇性的懶惰，其實是一種讓工作與生活更有效率的思考方式。這集就來分享《其實工作不必這麼累》裡一個我很喜歡的觀念。

01:49 除非你是有意識的去檢視 否則你不顧一切的勤勞 可能只是徒勞 03:35 將帥無能 累死三軍 05:16 先停下來思考如何有效的做事 你會驚覺工作效益的快速成長 學習聰明的工作 而不是只會拼命的工作 06:46人生有很多重要的事 但記得不是每件事都很重要。 忙碌之餘要停下來思考，現在過的生活是不是當初自己想過的生活；未來想走的路，是不是連結到腳下正在走的路。

Side Hustle review

Here is the link.

What I want to share today is "Side Hustle," a book whose theme is about entrepreneurship, but I will focus on where any job can be applied. SIDE HUSTLE's Chinese is "Reunification." In my opinion, the word "rehabilitation" represents multiple occupations or diversified sources of income. In addition, it also has the meaning of "copying" to duplicate one's own ability and bring about a new source of income. Therefore, I give a definition of "business recovery": give play to your existing ability and create a source of income other than the principal job. How to do it? The way I recommend 4 o'clock in the movie.

I like to make money while I sleep

Nov. 30, 2019

Introduction

It is my personal finance research. I like to learn how to invest on stock market based on index fund, I like to take risk and push myself to feel comfortable to put my 80% saving in Canada into Questrade instead of Scotia bank. I have to push myself to learn how to make money while I sleep.

Toughest project 

I have to believe the knowledge is power. The more I learn, the more I earn.

Here are my highlights to invest on stock market index funds, how busy I was to catch up to learn, being able to manage $62,000 Canadian dollars into stock market, and also I manage $26,000 US dollars 401 K and IRA account.

1. Work on risk, volatility and worst case of my portfolio
2. Work on time the market, time in the market research
3. Work on my psychology of investment, and I like to be a happy long term investor.
4. Work on management of condo in Florida. I have to study market and find best tenants I can and maintain good relationship with tenants.

Actionable Items

It is most important for me to get educated in finance literacy. I should prepare worst case scenario, and then I can make money while I sleep. Bear market will not last more than three  years. After three years, I will learn how to invest better and learn the value of patience and wealth grown with USA economy.

Case study: I cut my own hair in 2019 to save time and $10 dollars each cut

Nov. 30, 2019

Introduction

It is time for me to push myself to take more risk to accumulate wealth, I started to invest into index fund in May 2019. And also I cut my own hair, and then like to save one hour and also $10.00 dollars.

Case study

It is hard for me to catch up good hair style. I like to try various ideas to maintain my hair style. I know that it is much more important to keep me more healthy and spend more time to play sports.

I like to post one picture to show I walk around my neighborhood, with my haircut style.

10個現在不停止，將來會後悔的理財行為！| 就是艾理財#11

Here is the link.

10个要避开的理财行为（盲点） 1.把钱花掉后才开始想存钱 2.存款经常见底，但还是不肯做预算 3.只想学习获利方法，却对控管风险没兴趣（要看概率） 4.有钱投资，却没钱还贷款（贷款老得快） 5.没有习惯写购物清单，想买什么就买什么 6.不肯掌握自己的现金流（要记账观察自己） 7.老是说“钱再赚就有”（要花时间赚钱） 8.不计算，不计划，只计较自己没那个命（要指望自己） 9.拼命存，却不懂得花（要有计划的花） 10.把（别人）短期的报酬，看成（自己）长期会有的获利

Case study: a small lobster meal

Nov. 30, 2019

Introduction

It is my breakfast. I cooked the small lobster and had my breakfast. It is long time since I had a lobster. This is the first one in my last 10 years in Canada.

Learn to be frugal

I had hard time to think about my right eye yesterday. It was bleeding and my last time is left eye in October. The duration is less than two months.

I have to look into the issue.

I just chose a small remedy to purchase a lobster in Costco to entertain myself. Life is tough. I need to keep myself healthy. I need to look into the issue.

In October, I went to Google GHC event, I got my friend's home after 12:00 AM, I let my trunk lid hit my head. Next two days my left eye bleed.

Case study: How to be a sponsor as a lonely Canadian?

Nov. 30, 2019

Introduction

It is my personal finance research. I study millionaire mindset, I read the book, but I often think about how to be a sponsor as a lonely Canadian. How to support my nephew a 25 year old to start his life in Canada?

Debate

It is very serious topic. I have to think again and again. I have to evaluate how much I can spend and support since I turned 53 years old last Month.

I do believe that I should let it go. My brother can afford the payment of $250,000 Chinese yuan for a car, he can pay more than five people salary in the city of Yichun, Jiangxi province, as a small business owner. I should think about myself how to settle down in Canada.

I think that a young person does not work and stay at home more than three years, he has problems to get into society. He could not take a minimum pay job, and then he will have tough time to face reality in Canada.

Life is tough here in Canada.

Case study: Mock interview letter tiles possibilities

Dec. 1, 2019

Introduction

It is the first time I like to ask new algorithms in my mock interviews. I like to review a few algorithms before I work on an online code screen this weekend. I asked the algorithm I just reviewed called Letter tiles possibilities. Here is my post.

Mock interview case study

The transcript starts here:

End here.

Case study: Mock interview complete binary tree

The transcript starts from here:

end here.

Can Big Tech Curb A Housing Crisis It Helped Cause?

Here is the link.

Cal Newport: "So Good They Can't Ignore You" | Talks at Google

Google talk. Here is the link.

"Follow Your Passion" is Bad Advice. Here is What You Should Do Instead... In this eye-opening account, Cal Newport debunks the long-held belief that "follow your passion" is good advice. Not only is the cliche flawed -- preexisting passions are rare and have little to do with how most people end up loving their work -- but it can also be dangerous, leading to anxiety and chronic job hopping. After making his case against passion, Newport sets out on a quest to discover the reality of how people end up loving what they do. Spending time with organic farmers, venture capitalists, screenwriters, freelance computer programmers, and others who admitted to deriving great satisfaction from their work, Newport uncovers the strategies they used and the pitfalls they avoided in developing their compelling careers. Matching your job to a preexisting passion does not matter, he reveals. Passion comes after you put in the hard work to become excellent at something valuable, not before. In other words, what you do for a living is much less important than how you do it. With a title taken from the comedian Steve Martin, who once said his advice for aspiring entertainers was to "be so good they can't ignore you," Cal Newport's clearly written manifesto is mandatory reading for anyone fretting about what to do with their life, or frustrated by their current job situation and eager to find a fresh new way to take control of their livelihood. He provides an evidence-based blueprint for creating work you love. SO GOOD THEY CAN'T IGNORE YOU will change the way we think about our careers, happiness, and the crafting of a remarkable life.

So Good They Can’t Ignore You

Here is the book.

How to Win at College

Here is the book.

How the Best Young Professors Research (and Why it Matters to You)

Here is the link.

只要3小時，勝過別人1天的工作量 | 我讀《深度工作力》| 心得與書評

Here is the link.

《深度工作力》一書，原文是《Deep Work》，作者是 Cal Newport 教授，他畢業於麻省理工學院，僅僅35歲就已經在創校超過200年的喬治城大學擔任副教授，成就非常的厲害。如此驚人的成就是如何辦到的？他在書中就揭露了如何透過深度工作的能力，讓他達到非凡的成就。重點是，他每天只工作到晚上5點半，產出的成果依舊很好。

深度工作力有什麼好處？1是深度學習的能力。2是可以學習這個技巧可以提升人的快樂與滿意度。在這支影片我分享3個我從《深度工作力》這本書整理出來可以適用與每個人的技巧。