Bear market and long term investment - series 1 of 10

Dec. 23, 2019

Introduction

It is the important project for me to work on. I like to call bear market research. I like to work on the topic, and also prepare 2020 bear market. I like to behave better compared to 2001 and 2009. I like to break down the article written by Vanguard principal analyst Gregory Davis into 10 small blogs. I like to follow up with some research. 

Learn from Vanguard analysis

Here is the article. 

当长期投资遇到“熊市”我们该怎么办？

过去30年里，全球股市在牛市中给投资者创造的回报是远多于熊市中所产生的亏损的。

Actionable Items

I like to write down those numbers, and memorize the history data. It is hard for me to prepare 2020 bear market. I like to do my best to prepare since I have 50% asset in the market. 

Bear market 

1980 - 20 months - -28%

Maximum length of recession is 30 months, 2000 to 2002, -51%

What is MSCI world index? 

What is MSCI AC world index? 

Case study: Ameritrade.com Research & ideas - S&P500

Dec. 23, 2019

Introduction

I like to spend time to explore research & ideas features. Most of important is to figure out S &P 500, how this is designed by Ameritrade.com. I like to write down a list of things on this busy page. I do believe that this is most powerful page, I should master the page first, so I can quickly look into those past data, I can generate my own report quickly in short future.

S&P 500

Here is the snapshot of page.

Time to go to bed!

Dec. 23, 2019

Introduction

It is time for me to go to bed. i have to get up around 8:00 AM. I will have half day work, and then staff lunch. After lunch, I have have one week off.

How to Speak Confidently and Communicate Effectively (3 Tips)

Here is the link.

If you’ve ever struggled with articulating your thoughts in a clear way, whether at work, in a meeting or in an interview…today’s video is for you. I’ll teach you my 3 tips on how you can begin to speak with more confidence. Take a watch and let me know your thoughts in the comments below!

10 worries I have in United States from 1996 to 2010

Dec. 23, 2019

Introduction

It is time to push myself to explore what I should work on this one week holiday break.  I like to find topics, so I can find top quality of materials to watch through youtube.com. I do believe that youtube.com recommendation system works best for me. I do see very good quality videos showing up automatically.

Why I should talk about worries?

It is something very serious I like to explore. I write down my goal to set 10 X high, to be a millionaire. But in reality, I should look into those issues happened in my life from 1996 to 2010 in United States.

I have so many worries from 1996 to 2010. I only have one life, and those important fourteen years are really full of challenges. I like to write down those worries.

Body Language in an Interview - 3 Tips

Here is the link.

From 2007 to 2019 my Par tech 401 K - Five whys?

Dec. 23, 2019

Introduction

It is my personal finance research. I like to push myself to analyze why I did not have any interest with my 401 K account from January 2007 to May 2019. I like to go through all possible reasons, and write a report to show status, my mindset, circle of friends, and all other things.

Five whys?

I like to ask six whys? Why I do not spend time to work on my own 401 K Par tech? What should I learn how to allocate my time to work on.

How to be Confident in Interviews

Here is the link.

Performance Review Tips

Here is the link.

Questrade.com - six month experience

Dec. 22, 2019

Introduction

I think that it is important for me to be patient. In order to build wealth and grow rich, one of tasks is to learn how to explore all product feature provided by questrade.com. I have more than six months experience. I like to write down some notes about the website.

Questrade.com 

I like to spend 30 minutes to review all the features in the website. I will add more content later.

Poor Richard's Almanack

Here is the wiki article.

Poor Richard's Almanack (sometimes Almanac) was a yearly almanac published by Benjamin Franklin, who adopted the pseudonym of "Poor Richard" or "Richard Saunders" for this purpose. The publication appeared continually from 1732 to 1758. It sold exceptionally well for a pamphlet published in the American colonies; print runs reached 10,000 per year.^[1][2]

Franklin, the American inventor, statesman, and publisher, achieved success with Poor Richard's Almanack. Almanacks were very popular books in colonial America, offering a mixture of seasonal weather forecasts, practical household hints, puzzles, and other amusements.^[3] Poor Richard's Almanack was also popular for its extensive use of wordplay, and some of the witty phrases coined in the work survive in the contemporary American vernacular.^[4]

罗辑思维 117 你因挣钱而伟大

Here is the link.

罗振宇的个人视频脱口秀。罗胖读书，讲给您听。我们在知识中寻找独立的见识，您在把玩知识中寻找思维的乐趣。我们的口号是，死磕自己，愉悦大家。

大佬在哪里都很牛，周鸿祎竟与张小龙曾是同事，最后却自己辞职

Here is the link.

Zhou Hongyi (周鸿祎)

Here is the wiki article.

Zhou Hongyi (Chinese: 周鸿祎; pinyin: Zhōu Hóngyī; born 4 October 1970) is a Chinese billionaire entrepreneur. He is the co-founder, chairman and CEO of the Internet security company Qihoo 360. As of November 2018, he is ranked #45 on Forbes China Rich List 2018 and #135 on Forbes Billionaires 2018, with an estimated net worth of $4.7 billion.^[1]

黄志光
58农服CEO，风云资本合伙人，先后就职于天涯、奇虎、搜狐、计算机世界，曾创办周博通

在工作中，我对周鸿祎记忆最深刻的是我们基本每个月甚至每个星期都能收到周鸿祎送的书或者对书的推荐，而且不定时的会收到周鸿祎发送的邮件，经常一收就是数封，这些邮件大都是开拓思路的分享。可以说，3721包括奇虎的很多产品经理都是跟着周鸿祎一起读书成长的，当然，这其中成长最快的往往是他自己。这里还有一个细节，但同样无关道德，周鸿祎有时候在飞机上看到好的文章会直接将那几页从书上撕下来然后到公司后给相关的产品经理来分享。周鸿祎是一个最谦逊的学生，也是一个很爱分享的老师。 作者：黄志光 链接：https://www.zhihu.com/question/19553856/answer/12248877 来源：知乎 著作权归作者所有。商业转载请联系作者获得授权，非商业转载请注明出处。

Wechat product manager - Zhang xiaolong

Here is the link.

有的时候我确实觉得这个更多像一个行为艺术，因为你很难在一个很短的时间里面表达清楚让别人知道。这是一个很长的周期，而且大家都知道我并不擅长演讲，我觉得演讲是一个技术活，是挺专业的事情，我挺尊重专业的。在演讲方面我是业余的。我希望参加这样一个会议，更多只是希望利用这个机会跟大家有一个面对面的交流。

张小龙

Here is the link.

简介

张小龙（Allan Zhang），1969年12月3日出生于湖南洞口，Foxmail、微信创始人，腾讯公司高级执行副总裁。 张小龙毕业于华中科技大学电信系，分别获得学士、硕士学位。毕业后在广州从事软件开发工作。 1997年1月，张小龙开发的FoxMail 1.0beta（英文版）面世，并在winsite上公布；2005年3月16日，腾讯公司收购Foxmail软件，张小龙加盟腾讯公司后开发腾讯微信，被誉为“微信之父”；2011年8月2日，张小龙任腾讯公司高级副总裁；被《华尔街日报》评为“2012中国创新人物”。2014年5月6日，张小龙被任命为微信事业群总裁（高级执行副总裁级别），领导微信事业群工作。

更多信息

• 中文名

  张小龙

• 外文名

  Allen Zhang

• 国籍

  中国

• 民族

  汉族

• 出生地

  湖南邵阳洞口

• 出生日期

  1969年12月3日

• 星座

  射手座

• 职业

  腾讯公司高级执行副总裁

• 毕业院校

  华中科技大学

• 代表作

  Foxmail、微信

• 主要成就

  Foxmail创始人微信创始人

罗振宇 知识就是力量：怎样找到一个合适的工作

Here is the link.

罗振宇采用循序渐进的方式教你利用好“六度空间理论”获取帮助，把自己打造成优秀的产品，让认可的人使用产品，让自己的潜能得到最充分的释放。

怎样执行和计划 1.拆解任务:到可以马上能动手去做。 2.产品化:不骚扰、不感动、不迎合，提供价值把自己做成一个产品让产品本身说话。 3.先上车后换座：车的目的很重要座位不重要，不可胜在己 可胜在敌。 小结：六阶理论告诉你想认识一个人不难，难的是如何说服别人帮助你。不骚扰、不感动、不迎合专心让自己提供更好的价值。不可胜在己可胜在敌；只要你稳定的输出价值迟早会被看见！

罗辑思维 145 什么是有钱人

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The Biological Effects of Father Loss: An Interview with Daniel Notterman

Dec. 22, 2019

Introduction

It is holiday season. I went to tennis court in central park, and also I met people. The tennis is such great sports, people bring their family on tennis court, so I  have chance to meet people and also their family. One of topics I like to look into is Father loss. My father passed away when I was the first year in the university, 1985, I was 19 years old. I like to look into the impact of the issue.

First time 30 minutes research

I like to read some article. I met a young Canadian lady and said hello. I believed that she missed her father. I still remembered 4 years ago, her father brought her first time on tennis court, she played tennis against the wall. The father told me that she will go to Albert province.

I play tennis double matches with so many people in central park. I had chance to know so many families and I like to look into this topic.

I like to reach out the community to help others, specially the depression is so easy to affect young people in the city of Vancouver area. The winter weather and other issues.

时代追光者：沈南鹏

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《时代追光者》是第一财经打造的互联网视频项目，旨在将持续更新中的企业家访谈素材，借由白描纪录的表现形式，原汁原味地呈现给互联网受众，形成使大家都能够受益的“移动商学院”。每周更新一位企业家完整访谈视频节目，分章节总结提炼碎片化管理精髓，辅以一线采编人员的独白手记音频，动态、静态语录海报，总结提炼时代追光者们的管理精髓，致敬改革开放四十周年，使有价值的思想触手可及。

Curiosity

家庭熏陶和大学教育

大学比较好的培训

92年， 94， 96， 99 年创办携程

创办企业， 管理企业从哪里来？承担风险的能力。 互联网改变世界。
硅谷小镇开一个烟花的活动， 为什么这么富裕。

管理行之有效
创始人务实

传统平台联系起来， 呼叫中心

如家旅馆， 客户需求。

和80年代比较， 90年代留学创业。

资本规则， 季度做审计。

2005 创办红杉 - 打了鸡血拼命工作

3 things you should never do when the stock market tanks

Here is the article.

I like to find three concepts new to me, and I will follow up with more reading later. I like to go out to take a walk around central park. Now it is 2:40 PM, and I will have one hour time before sunset comes.

How to Get Out of Functional Depression

Here is the video. I like the teaching, and also I learn a few new concepts. I will review the content again, and I like to take some notes as well.

I use my blog to track what I read and what I think. It is an important tool for me to track and avoid any depression.

I like to be a serious business woman who can grow her career, and also contribute to Canada economy.

The functional depression is healthy. I should learn from the video that the depression is the signal for me to change, either life style change or habit to stop.

12 Cognitive Biases Explained - How to Think Better and More Logically Removing Bias

Here is the link.


We are going to be explaining 12 cognitive biases in this video and presenting them in a format that you can easily understand to help you make better decision in your life. Cognitive biases are flaws in logical thinking that clear the path to bad decisions, so learning about these ideas can reduce errors in your thought process, leading to a more successful life. These biases are very closely related to logical fallacies, which may help you win an argument or present information better. Ismonoff: https://www.youtube.com/user/ismonofftv 1)Anchoring Bias 2)Availability Heuristic bias 3)Bandwagon Bias 4)Choice Supportive Bias 5)Confirmation Bias 6)Ostrich Bias 7)Outcome Bias 8)Overconfidence 9)Placebo bias 10)Survivorship Bias 11)Selective Perception Bias 12)Blind Spot Bias

INVESTING MUTUAL FUNDS Survivorship Bias

Here is the article.

What Is Survivorship Bias?

Survivorship bias or survivor bias is the tendency to view the performance of existing stocks or funds in the market as a representative comprehensive sample without regarding those that have gone bust. Survivorship bias can result in the overestimation of historical performance and general attributes of a fund or market index.

Survivorship bias risk is the chance of an investor making a misguided investment decision based on published investment fund return data.

KEY TAKEAWAYS

• Survivorship bias occurs when only the winners are considered while the losers that have disappeared are not considered.
• This can occur when evaluating mutual fund performance (where merged or defunct funds are not included) or market index performance (where stocks that have been dropped from the index for whatever reason are discarded).
• Survivorship bias skews the average results upward for the index or surviving funds, causing them to appear to perform better since underperformers have been overlooked.

成功学有用吗？幸存者偏差，一个活着就该明白的事！李永乐老师聊聊大牌球星的身价（2018最新）

Here is the video.

高考刚刚结束 世界杯马上就要开始了 有人看到的这些天价球员 梅西 C罗 就说呀 唉 我运气不好 没有当一个踢足球 否则我现在就像他们一样有钱了 事实上真的是这样吗 今天我们来讨论一下这个问题 我们首先从高考全国二卷一个作文题目开始讲解 二战 " 期间，为了加强对战机的防护，英美军方调查了作战后幸存飞机上弹痕的分布，决定哪里弹痕多就加强哪里。然而统计学家沃德力排众议，指出更应该注意弹痕少的部位，因为这些部位受到重创的战机，很难有机会返航，而这部分数据被忽略了。事实证明，沃德是正确的。 为充分解答这个问题 得先明白幸存者偏差是什么 幸存者偏差的意思就是说 你只考察了幸存者所满足的特征 这并不能得出一个有说服力的结论来 这个结论能解释很多现象 比如 淹死的拜神者 用了20年不钝的刀 验证药物疗效的双房实验 比如，我们看到世界杯上那些天价球员 梅西 C罗 内马尔他们，就以为踢足球都会很有钱 但事实上中国许多球员工资还不到10万元 还有许多人研究成功学 从许多成功人士身上找到共同点 但却忽视了那些也具有同样特征的失败者 等等 反正就是 幸存者偏差，一个活着就该明白的事！

Dr. Johannes McDonald & Dr. Lizaan Van Heerden - Living and working in Quesnel, B.C

Here is the link.

I like to move to Quesnel, B. C since I can not afford a place in the city of Surrey.

Case study: My two hours chat in Crystal mall small office

Dec. 22, 2019

Introduction

It is my idea to reach out community and learn more things by visiting small offices in Crystal mall. I used to visit every office in the mall, I talked about my nephew sponsor application project, I can just get some quick ideas by talking to people over there. I meet a lot of young people with very good education, and some of them are entrepreneurs.

Understanding risk in career

Dec. 22, 2019

Introduction

It is a small fun activity to write somethings on interviews, and software program jobs.

Understanding risk in investment

Dec. 22, 2019

Introduction

I like to write something related to risk, I just learned negatively related case study through boglehead.org, and then I found out that it is so interesting to learn how to hedge, and also diversification of S & P 500 Index -> 400 -> 300 -> 50 -> 1 also translates from investment to speculation. I like to talk about risk more carefully.

How to understand risk?

It is hard for me to learn about risk. Because I have to put 50% of my asset into stock trading accounts, I had hard time to put into those portfolio in May 2019.

I do understand that I have to hold high standard on my personal finance learning. The more I learn the more I can earn. I also like to add one more constraint, if the market goes up, I will earn money since my portfolio follows the market. I will not try to beat the market.

I have interest to learn more how to reduce stress as an investor. One idea is to read more books, and then articles, meet more people to serve the site like boglehead.org. I like to spend time to read well-written articles on boglehead.org, I found out that those articles are best ones so far.

Taking risk

The risk I take is that all my research and portfolio is based on worst scenario 2008 to 2009. More detail, the 2008 - 2009 recession S & P 500 index has 60% loss, two dips. But what if 2019 has a recession with 80% loss, two more dips, last more than three years.

I am 53 years old. How to manage risk from 53 to 57 years old? I never look into my age, my health and also challenge for people in 50s.

What is next?

I like to write topics like to take risk in my career, my weekend projects.

I need to understand how to evaluate the risk, how can I learn from my failures in 2019? I need to review what risks I take not just in equity market.

What if I work another 240 Leetcode algorithms?

Dec. 22, 2019

Introduction

It is my personal finance research. I have choices to learn more about web service, restful web service, VUE JavaScript, Python, or I can focus on Leetcode algorithm and solve 240 algorithms. How to evaluate the idea and allocate time to study and prepare for 2020?

Ideas to think about

Here are highlights to work on 240 algorithms.

1. It is learning process. I may find my own weakness in terms of problem solving, thinking process. There will be some surprises.
2. I will spend time to do hard work, solve a problem, write a discussion post; I will not have easy time to read a book, article, no worry about performance.
3. I will invest time three to six months first, expect that I will get return for those investment. Hours spent will be over 300 hours at least, each week 20 - 40 hours/ week.
4. I will master a few more algorithms. And also I can meet a lot of people through discussion posts, weekly contest, discussion post, mock interview using algorithm and data structures.
5. I may have to find some algorithms to ask review on stackexchange.com. I have to push myself to contribute to the community.
6. Even if I do not have a software programmer full-time job, the hobby to solve Leetcode brings great benefit in my life.
7. It can help me to prepare a manager job, since I already have a lot of hours training. I know the process, hard work, communication and rigorous part related to algebra, combinatorics, and analysis of problem solving.
8. It is fun to push myself to solve algorithm problem. It is a good habit to write code every day.

My niece has a winter break one month

Dec. 22, 2019

Introduction

It is tough to be an aunt. My sister called me and complained to me over one month ago, why I did not mail my cousin's Canada permanent resident card to him, he is working on computer science graduate admission test holding around the end of December. I was busy and I took the break to talk to my sister about my niece winter break in Toronto area, Canada.

An invitation

I learn that I have to send out an invitation to invite my niece visit the city of Vancouver, and also I need to purchase round trip airline ticket first since she does not have credit card yet.

I have so many projects to work on. Usually the Christmas and New year holiday is best time for me to catch up my personal finance research.

My complaint

I complained to my sister, my niece started her school in October. She only studied two months, now she has one month break. Next January to May she has five months to study. Only seven month two terms.

Learn to be an investor

Dec. 22, 2019

Introduction

I like to write a story how I become an equity investor starting from this May. I also shared the stories with my wechat group 1984 Shanghai Jiaotong university. Life is tough, and I have to learn personal finance, and understand what wall street does for economy, and I have to grow up as a rational investor, learn how to avoid take little risk or too much risk.

My story

I believe that it is best opportunity for me to learn if I choose to share my understanding with my wechat group.

I can understand the question from my friend, and also explain the idea to manage risk using bonds. I just take a few minutes to upload my wechat conversation, share here.

Date my money - move fund from US bank to Canada

Dec. 21, 2019

Introduction

It is so challenge to learn how to invest. As a person with research experience, I have to push myself to read and learn as much as I can, otherwise bear market comes, the best time to invest and accumulate the wealth, I will be scared and sell off instead. One thing is to put fund into Questrade.com, I have to date my money, and then do not let money sit in checking account earning zero interest, or CD earning 1.2 interest.

Date my money

I have to go out every day from Dec. 21 to January 2. I will work on my personal business, and work on other things as well.

I need to write a check to myself, and then deposit into Scotia bank, later I can deposit into Questrade.com.

Actionable Item

I just got the news, my rental property water heater does not work, after 20 years, I need to get a new one. I should keep those fund in US chase bank to pay my new water heater and installation.

Dec. 22, 2019 12:00 AM

I made a mistake, I should double check. The teller sold my US dollar to Canada dollar, and save it to my Canadian checking account. The rate is 1.2814.

I asked the teller to save the check into my US dollar account, after that, I will convert it to Canada dollar to a small place like Can-China Financial services Ltd. The rate today I asked is 1.306.

The difference is $3700 * ( 1.306 - 1.2814) = $91.02 Canadian dollars.

I will walk in Scotia bank next Monday afternoon, and ask if I can get refund and then save it to my US dollar account. I will have Monday afternoon off until January 2, 2020. The factory will be closed for holiday break.

It takes hard work to build wealth. I have to pay attention to small detail.

Dec. 22, 2019 9:47 am
The check is saved to US saving account.

What is on the receipt? why CAD equivalent is listed on receipt?

These 8 cities have the cheapest rent in Canada if you're sick of Toronto and Vancouver prices

Here is the article.

Quesnel, British Columbia ($700/month on average)

Build an All Weather Portfolio

Dec. 21, 2019

Introduction

It is well-written article about how to invest, and I specially like those case studies.

How to build an all weather portfolio?

Here is the article.

Case study: Amazon Vancouver AWS woman event

Dec. 21, 2019

Introduction

I attended the event on Dec. 17, 2019 in the city of Vancouver. I am 53 years old, and most of people showing up 80% are younger than me. Some of them just started their career. I like to do a short case study on this event.

Case study

One of question is to ask how to start software engineer career after working 10 years, career transition to computer science. Another question is about performance review.

I understood that it is so important for me to acquire some skills, which I am weak in those areas. Project management skills, communication skills, cognitive abilities.

For me, since I am working on personal finance research starting from Nov. 2018. First question coming to my mind is to figure out how an Amazon manager who works there over 20  years manage the wealth. Does she manage by herself or hire a portfolio manager? That can be huge amount of wealth, stock double double and double, I may miss a lot of double over there. ROSS stock 40 times more after 20 years.

Also I need to find a role model who chose to leave USA, came back to Canada, how does she manage the successful career.

There is no surprise. I had chance to meet people and ask questions.

I need to get organized. I need to study hard, learn a little and benefit whole life.

Two managers I have chance to write down names. Kim Thunen, another one is Salimah Addetia.

Video:Bogleheads® investment philosophy

Dec. 21, 2019

Introduction

It was such great teaching through those videos. I learned first time how to make hedge using two companies, bath suits inc and umbrella inc, which is related to how to manage risk topic.

My study

What I like to do is to watch each video, and write one blog for each video. I like to look into some concept and idea from the teaching of video.

I like to watch videos from the link.

Case study: CSS position:absolute

Dec. 20, 2019

Introduction

It is the bug I created since I did not notice that the special case at work. Recently I added some margin in the website, and then if there is seven items, then last item will not displayed properly. I did not notice the issue until some one in the office told me so.

Case study

I quickly fixed the issue since I like the child div can have bigger width than parent div. So I learned from stackoverflow.com one question, the answer is to use CSS position:absolute.

My question to myself is to work on CSS by reading more often the tutorial. I should try to push myself to improve my CSS by actively reading the website.

The way I learn about CSS is not proactive. I should prepare myself to be expert one day in CSS.

Here is the website.

grid_10 class is defined the width of parent div - 820, total width 1008 for 12 grid, 82px for each grid.

Now the child div has more than 840 px.

Actionable items

I like to figure out how to master CSS, so I can have time to work on restful webservice, and framework for the front end.

40 business books everyone must read to be successful

Dec. 20, 2019

Introduction

I like to find a few business books to read from those 40 business books.

40 business books

Here is the article.

Restful Web Services

I plan to read the book in short future. I need to push myself to read a book, at least I can understand the ideas. It is hard for me to practice restful web services, but I should be able to find the book and start to read it.

I got the advice from the article here.

Follow up

First two hours study on January 9, 2020

Zalando: How to pass the interview

Here is the article.

Excerpt:

For the API design, you need a basic understanding of REST and HTTP. It is not expected you know fancy media types or the intricacies of HTTP proxies but you need to know how to structure an API and its data using HTTP and JSON. You should have a look at the Richardson’s maturity model (till level 2) and perhaps have a quick look at his book, RESTful Web Services. (Richardson’s newer book, RESTful Web APIs, deals with REST level 3, i.e. hypermedia controls, which is more advanced and out of scope for the interview)

Actionable Items

I just could not believe that I should read restful web services book much early, I work full time from 2010 to 2019. I did not do book keeping every year, I did not read web services book every year from 2010 to 2019. 

This life style is ridiculous, I just could not believe that I did make choice. 

Facebook interview: How I got an offer

Here is the article.

Michael LeBoeuf: The Bogleheads' Guide to Investing Book Summary

Here is the link.

Book to read: The Boglehead's guide to investing

Dec. 19, 2019

Introduction

I like to spend hours to read a book called "The boglehead's guide to investing". It is important for me to slow down, instead of watching youtube.com videos, I should be able to find time to read a book, and think about the ideas. It is different from learning from youtube videos.

My schedule 

I like to schedule time to read the book.

Case study: hundreds of hours with relatives on wechat

Dec. 19, 2019

Introduction

It is my personal finance research. In order for me to find time to learn personal finance, I have to learn how to avoid time-consuming activities. One thing I like to work on is to case study the time I spent from 2010 to 2019 on wechat with my relatives in China.

Case study

Once a while, I will always think about what I should do as a sponsor. I will think about my nephew and how I should help and work on his plan in Canada in 2019. After a few months of study, I learn that I have problems to make decisions. I need to find the good book to teach on this, I came cross the book through one of videos.

It take some time for me to learn that I waste my time to worry about things. I should be responsible for myself. As a single person, it is most important lesson for me to learn. How to manage my time? Work on my thoughts, focus on my own business.

To be a learner, I have to spend time, I need to track down what I read, and read a book as well.

3 tips to save time

I should think about mutual benefits. If there is no plan, then there is no need to talk.
Do not argue anything with siblings. I did my best to serve my mom as a daughter before my mom passed away in 2017. Now it is time for me to build my own life, work on my own life.

How to plan one week break from Dec 23 - January 1?

Dec. 19, 2019

Introduction

I will have one week break starting from next Monday. I like to figure out how to make plans, what I should do and what I should learn. It is so important for me to enjoy the break, and also make sure that I can learn something from the break.

Case study: Onsite interview with hiring manager on December 16

Dec. 19, 2019

Introduction

It is the first time I learn that I have to work on preparation before onsite interview. I like to write a case study how I should prepare a topic seriously. I should move my focus from algorithm, data structure, system design to present a topic, most challenge in my current job.

Case study

I will write down more later.

Vanguard Index Funds For Beginners In 2020

Here is the link.

I like to learn how to present a topic like Ryan. He explains things so clearly, and I like to learn and imitate how he explains thing. His note is so well-prepared.

What Does the S&P 500 Index Measure and How Is It Calculated?

Here is the link.

The S&P 500 measures the value of the stocks of the 500 largest corporations by market capitalization listed on the New York Stock Exchange or Nasdaq Composite. The intention of Standard & Poor's is to have a price that provides a quick look at the stock market and economy. Indeed, the S&P 500 index is the most popular measure used by financial media and professionals, while the mainstream media and the general public might be more familiar with the Dow Jones Industrial Average.

How the S&P 500 is calculated | Charts that Count

Here is the link.

移民美國：年薪30萬的灣區矽谷軟件工程師是真的嗎？

Here is the link.

RSU - stock price - every year RSU
Sign-on bonus - encourage you to join the company
Relocation fee - from different state/ country
Bonus - cash flow -

Facebook
Salary - average 12.6
Stock: $30,000 - $40,000/ year ( 4 years to distribute $120,000 - $160,000)
Sign on bonus: $20,000 - $100,000
Bonus: $50,000 - $200,000 (10% average)

Total: $200,000 dollars

Linkedin
13.6
50,000 stock
bonus $180,000 - $200,000


Amazon

Google 
$12.7 * 10K
stock 40 - 50 * 10K

移民美國：10萬年薪在灣區矽谷是什麼樣的生活水平？

Here is the link.

$100,000 US dollar salary in Sillicon Valley
After tax, monthly income $5,000 - $6,000 dollar/ month

$2000 - $3000 one bedroom unit - do not share with others
Three meals: $1000 for three meals
$400 auto expenses - insurance, $150/ month, registration $30 - $40/ month
Gas expense $200/ month
Clothing: $100/ month
Travel: $200/ month
401 K - $500

$1000 rent one bedroom - electricity
bicycle to work
food preparation - monthly

时代追光者：张磊

Dec. 19, 2019

Introduction

It is the video I like to share with my roommate from 1984 to 1988 in Shanghai Jiaotong Unversity. My college classmate retired last year, and she has interest in learning how to invest on stock market. I like to find this video, and then notice that I should give a few tags for this video.

Investor Zhang Lei, Princeton university graduate

Here is the link. Zhang Lei's wiki page is here.

Tags added:
Zhang Lei, investor of Tencent, Princeton university investor David F. Swensen

年仅39岁，却头顶美国耶鲁大学校委会成员、中国人民大学校董会副董事长等一系列头衔；身为高瓴资本“掌门”，他管理着来自欧美知名投资机构约50亿美元的资金；去年初因向耶鲁大学捐赠888.8888万美元，他一夜“被出名”……全球媒体竞相约访，张磊却始终低调，“从未接受过任何采访”。

　　4月2日，在郑州参加郑州百年高瓴职业学校揭牌仪式后，为了帮助宣传这所公益学校，让更多的贫困青年获得免费职业教育的机会，张磊破例接受了本报专访。

　　□首席记者 路红 记者 吴战朝 实习生 王菁 文 记者 平伟 图

　　阳光纯净“大男孩”，笑谈成功“秘诀”

　　4月2日下午，春雨初至，张磊出现在郑州百年高瓴职业学校校园，一身休闲装束，一脸诚恳笑容。一下车，他就冒雨参观学校，脚步走遍校园的每一个角落，爽朗的笑声一路陪伴。 

　　揭牌仪式后，他应邀为百年职校的学生们演讲，难以按捺浓厚的乡情：“回到老家，回到河南，我心潮澎湃。”他首先道出一连串的感谢：感谢百年职校的老师，感谢母亲影响了自己一生，感谢家乡的父老乡亲，“感谢祖国的腾飞，让我个人有机会腾云驾雾”……这份真诚和幽默，立刻让学生们轻松起来。

　　与孩子们“分享自己成长的经历”，张磊毫无保留。他说，自己是土生土长的河南人，1990年从驻马店地区高中毕业，以驻马店文科总分第一的成绩考进中国人民大学国际金融专业；1998年拿着奖学金进入耶鲁大学，三年时间获得MBA和国际关系两个硕士学位；他曾是华尔街最年轻的华人高管之一，2004年又成为纽约证券交易所1792年成立后派驻中国的第一位首席代表；2005年在耶鲁基金的帮助下，成立高瓴资本公司。

Weekly Trader’s Outlook - Stocks pause then bounce on new tariff delays.

Here is the article.

Bull Market Trends

With the most recent SPX high on Monday (12/12), below is an update of the table illustrating how this bull market compares to others in the post WW II era. At 3,930 days in duration, it is now 478 days longer than the internet bull market, but at +368%, it remains second highest with regard to the percentage increase. The SPX would need to reach a level of about 3,500 to exceed the 417% gain of the strongest bull market in history.

2019 YTD performance of the major U.S. equity indices

Here is the 2019 YTD performance of the major U.S. equity indices (as of the close on 12/12/19):

• S&P 500 (SPX)                             +26.4%
• Nasdaq Composite (COMPX)    +31.3%
• Dow Industrials (DJI)                 +20.6%
• Russell 2000 (RUT)                    +22.0%

2019 market performance

Market Performance

Here is the 2019 YTD performance of the market broken down by the 11 market sectors (as of the close on 12/12/19):

1. Info Tech                      +43.1%
2. Communications Svc  +28.9%
3. Financials                     +28.8%
4. Industrials                     +27.0%
5. Consumer Disc             +23.2%
6. Cons Staples                +22.5%
7. Real Estate                   +20.2%
8. Materials                       +20.2%
9. Utilities                         +18.0%
10. Healthcare                     +16.4%
11. Energy                            +5.0%

Source: Bloomberg L.P.

Project management skills

Dec. 18, 2019

Introduction

It is important for me to learn how to communicate. I think that it is more important for me now, since I can write better code. How to work on my project management skills?

One idea

I learned from pluralsight.com writing code for humans, separate CSS from html and JavaScript. I shared the idea at work with my coworker, I will make sure that all style sheets will be in .css file, so she can try various ideas after our initial design together, therefore we will have much better presentation in web page. I also can free some time, I like to try a few frameworks, so I can write a new website for the company.

Work together and build a team

I like to try restful API, MVC, and web service, and VUE.js framework.

My coworker likes the design, she works on marketing. She was very happy, I told her that it is very important skills to learn how to design using CSS. It will take some time to be an expert, every day 30 minutes reading, after one year she will be an expert, and it is very good for her career. Specially it is easy for her, since hear reading skill is above 8.0 in IELTS test.

Last few months, we worked together for a few projects, I always showed her how I make changes, find examples, read CSS tutorial page.

Because we work together, I also learn so many things. It is not easy to come out very good design, we have to go through the learning process, try a few ideas.

Talk about insomnia

My coworker asked me what happened yesterday as a sick day. I told her that I had insomnia. I explained to her that it is better to take a day off. I could not fall asleep until 4 AM.

It is not healthy to stay in the office whole day with only less than 4 hours sleep.

What if I am Capilano suspension bridge park product manager

Dec. 17, 2019

Introduction

It is time for me to write a small research report called what if I am Capilano suspension bridge park product manager. I like to explore all kinds of ideas to bring into more business and play an important role to share Canada culture, forest and nature fascination.

【BigJoe】硅谷的产品经理要有技术背景吗？/Is tech background required for PMs at Silicon Valley?

Here is the link.

【ENG SUB】如何高效管理时间和多重事情/ How to effectively manage time and multiple projects in life?

Here is the link.

筆記： 1.時間邊界set a boundary/時間盒time box： (1)一次錄視頻就是30分鐘，時間到了不管錄得怎樣就是PO上來，所以即使有一點口誤也沒關係。 (2)買車的時候並非做最全面完整的研究，而是在有限的時間找了幾間車行跟車款，然後從中選出最好的。
2.請別人幫忙delegation (1)用leadership鼓舞別人一起跟你做事情，例如請小夥伴幫忙籌備灣區的PM聚會，或是現在 youtube 上面影片的剪輯、圖片、字幕、上傳、宣傳等是請志願者幫忙。
3.提高效率productively，批次batch： (1)跟人吃飯(1次影響1人)→到處演講(1次影響100人↑)→錄製 Youtube 影片分享(1次影響1000人↑) (2)影片一次錄2集，就可節省架設攝影機的setting time
4.取捨 be selective：有時候可以用「積極的拖延」，先把事情放一下，讓子彈飛一會，如果過段時間還是想做，就說明是真愛，是值得去做的事情。

One more sick day in 2019

Dec. 17, 2019

Introduction

It takes some wisdom to understand what is a sick day. How to determine if I should take a sick day leave. I like to take a sick day since I has insomnia this morning. It is better to call one more sick day instead of last sick day.

How to recover from a sick day

I like to go out swimming. I just got up around 11:00 am, and also took a walk around the community.

How to cope with insomnia?

Dec. 17, 2019

Introduction

It is important for me to slow down to allow myself recover from insomnia. Last night I could not fall asleep until 4:00 am. So I decided to take a sick day, I like to learn from this insomnia incident, and understand how to work with my physical concern in my 50s.

Case study

I like to put together 10 activities I did last night. I like to figure out how to prevent insomnia and how to cope with it.

I made the phone call around 8:00 AM, and continued to sleep until 11:00 am.

A friend's advice

Dec. 17, 2019

Introduction

It is something I like to learn. Since I like to build wealth and grow rich, I like to learn from successful friends I have. But they do give out advice to suggest me avoid taking any risk.

Case study

I went to suspension bridge park with my friend who is a principle engineer in Sillicon Valley last Friday. We did discuss my career choice at dinner table in Chinese restaurant, she does not believe that everything will be great if I compete a job in Facebook or startup. She suggested me to think about working as a real estate agent in weekend.

Questions asked:
1. Do you have big project experience?
2. Do you know the boot camp first three months every week you have to complete a project?
3. Can you compete with people in 20s?

I just could not believe that I like to work on coding every day. I also like to be an interviewer on interviewing.io as well. My interest is changing all the time, it used to be hackerrank contest, and then code review stackexchange.com, and then leetcode weekly contest. I just learn how to master some algorithms in my life first time, and I like to use this experience to help me build wealth and grow rich. I am working on personal finance, investment.

I like to work on a few more case study, and see how I can learn how to make good decisions.

Being frugal 

One of ideas is to be frugal. I like to put wealth to work. I already put my saving into S  & P 500 index, and this is the first time I learn that the return is 25% from May to December 2019.

Actionable Items

Confidence is the biggest item I should frequently check. How to build confidence, and learn from my own failure. I should look into this area.

I should not worry about too much about friend's advice. She did fantastic job to connect me with other people and we met in San Francisco before the onsite this August. It is so amazing to get together, two MBA and product managers of Google, Linkedin manager, Apple manager one principle engineer showed up in our dinner party.

Suspension bridge park second visit

Dec. 16, 2019

Introduction

I thought about my weakness in personality. How come I do not have that personality to accumulate million dollars talent through 24 years in north America. I still work on learning how to enjoy life being frugal.

Second visit

I stepped out onsite interview from dialpad office building on melville street. There was a free shuttle bus to suspension bridge park in North Vancouver. I decided to take the bus and visited the park again using my annual pass. I needed to take some time to enjoy the outdoor.

Take selfie 

It is tough to be a person over 50 years old. I learn to work with myself better. One of ideas is to push myself to read more books, visit more places in local area.

I got my Google hat from Oct GHC event in the city of Seattle new lake union office. I just walked outside the building, finished 4th onsite interview in 2019, and then took bus and it only took less than 30 minutes to get the park.

It is so comfortable to stay outdoor and share this great picture with you at the end of 2019.

Second visit I also know the length of bridge, height from the valley bottom, how many weight it can hold.

What if I am the product manager, how much it costs to hang those lighting balls?

I like the rain of Vancouver. I know that there are snow on top of mountain. I should go up the mountain and go skiing.

How We Hire at Google

Here is the link. 

How to: Prepare for a Google Engineering Interview

Here is the link.

Prepare for Your Google Interview: Coding

Here is the link.

Googlers share targeted advice for the coding portions of Google's interview process for technical and engineering candidates, covering tips for communication and collaboration advice, algorithms and data structures, and more! Skip ahead to: 0:24 Communications and Collaboration 1:30 Algorithms and Data Structures 3:17 Coding 4:03 Testing and Error Checking 4:37 Best Practices

Prepare for Your Google Interview: Troubleshooting and Scripting

Here is the link.

Googlers share targeted advice for the troubleshooting and scripting aspects of Google's interview process for technical and engineering candidates. This video will cover tips for communication and collaboration, troubleshooting and scripting, and overall best practices! Skip ahead to: 0:17 Communication and Collaboration 1:06 Troubleshooting 2:41 Scripting 3:37 Best Practices

Verify, scope and reproduce the problem

Diagnosis:

• Examine
• Diagnose
• Treat

System Design - Sharding | Data Partitioning

Here is the link.


Sharding or Data Partitioning: - Sharding is a technique to break up a big database into many smaller parts - Horizontal scaling means adding more machines, which is cheaper & more feasible - Vertical scaling means improving servers - Partitioning Methods: - Horizontal partitioning: - In this we put different rows into different table(db), i.e. rows can be based on location with zip codes, this is also range based sharding - Problem is if range is not choosen carefully, it'll lead to unbalanced servers. - Vertical Partitioning: - In this we divide data to store tables related to a specfic feature to their own servers.i.e. In Instagram, we can have 1 for user profile, 1 for photos, 1 for friend list. - Problem is in case of additional growth, its necessary to further partition a feature specific DB across servers. - Directory based Partitioning: - In this, create a lookup service which knows your current partitioning scheme & get it from DB access code. - To find out a data entry, we query directory server that holds the mapping between each tuple key to its DB server. - This is good to perform tasks like adding servers to the DB pool or change our partitioning scheme without impacting application. - Partitioning Criteria: - Hash-based partitioning: - In this we apply a hash function to some key attribute of the entity we're storing, that gives partition number. - Make sure to ensure uniform allocation of data among servers - Problem is it effectively fixes total number of DB servers, since adding a new server means changing the hash function, which would require redistribution of data & downtime, the workaround is Consistent Hashing. - List Partitioning: - In this each partition (DB server) is assigned a list of values, i.e. APAC, EMEA, US region has respective partition. - Round-robin Partitioning: - One by one assign which ensure uniform data distribution - Composite partitioning: - Combining any of above partitioning schemas to devise a new scheme. i.e First list partitioning with hash partitioning in each. - Common problems with Sharding: - Joins & Denormalisation: - Performing joins on a database which is running on one server is straightforward, but if DB is partitioned & spread across multiple machines, it's not feasible to perform joins that span database shards. - These joins won't be performance efficient. - Workaround is to denormalise the DB so that queries that required joins can be performed on single table. - Referential integrity: - Trying to enforce data integrity constraint suh as foreign keys in a sharded DB can be extremely difficult. Most of RDMS do not support this. - Rebalancing: - When data distribution is not uniform. - When there is lot of load on a particular Shard. In this video, we're going to reveal Sharding used in System Design: - What is Sharding/ Data Partitioning - Sharding Methods - Sharding Criteria - Sharding Challenges