Count my blessings in 2019

Dec. 28, 2019

Introduction

It is my creative idea to review bible verse for each photo I took today in the city of Vancouver downtown. I like to count my blessings, and also take some time to learn from bible teaching.

I took a walk 

I like to review bible and also try to educate myself with good understanding of bible. I did not go to the church, but I still love to show care to people in my life, and friends and also people I met in 2019.

One word to learn, sparrows - what is sparrows? a small bird
Indeed, the very hairs of your head are all numbered. Don't be afraid; you are worth more than many sparrows.

I have worries about my age. How can I compete with young people in 20s? I like to compete top tier company software engineer job. What it takes to get there? Worry, it does not help. Just work on it, and put my efforts on my goal.

My hair is receding now. My front head has more space, less hair. I should work hard and then run a race with hair. Learn how to build wealth and grow rich, make millions before all my hair turns gray.

Canada place is my favorite place to go in 2019. I went to Zumba class in the summer, dancing under the summer heat, and thought about my first onsite interview from Facebook MPK. I went to dance class before August - my first onsite interview from Facebook.

I met my friend Meng Yan in December, who attended AI conference, and stayed in The PAN Pacific Hotel. She paid around $280 dollars for one night. Mercedes paid her since she is research engineer.  I love the hotel and like to visit it more often.

Proverbs 17:0 ESV
Whoever covers an offense seeks love, but he who repeats a matter separates close friends.

My young sister had a face paralysis, and she is a teacher so she wore mask to give lessons in the classroom a few years ago. She taught me this year how important is to show caring to others. She reminded me to stay humble, no matter how selfish I am, I should be gentle to her advice. Be an aunt, and show love to my niece, her daughter; She saved all her savings as a college teacher, and she likes her daughter to get best education in Canada, my niece is 15 year old. I certainly can help her to learn better.

One tip is to take more photos, and also pay attention to detail. My younger sister stopped taking selfie over 10 years ago. So I think that it is healthy to take selfie, and critic on my taste on arts.

Proverbs warns that the one who "isolates himself...breaks out against all sound judgement" (Prov. 18:1). (The first problem in the world was not sin but Solitude, here is the article. )

Race with my hair

Dec. 28, 2019

Introduction

It is my personal finance research. I am racing with my hair, before my hair turns all gray, I like to build wealth and grow rich, and make a lot of money as a software engineer. Today I went out to meet my high school classmate's daughter and her friend in Canada Vancouver waterfront, so I decide to get familiar with Vancouver city, take picture with my 100% natural black hair.

Let race begin

Some of my classmates in high school has whole white hair. I also notice that last few years I am growing old, more problems come out.

I took picture with various building near waterfront. I like to demonstrate my ambitious goal to race with my hair. Go for my millionaire dream before my hair turns all gray.

美国中餐现状 | 君子：正在崛起的第三种可能

Here is the article.

赵勇经过调查发现，美国中餐馆最近几年开始出现大规模倒闭潮。在接受创业邦采访时赵勇透露，从2018年到2019年，一年时间美国有4000多个中餐馆闭店。

发现问题后，赵勇开始从产品角度分析用户需求，用户已经形成的习惯是非常难改的，一款新产品就要符合用户原有的习惯而非让他重新适应，餐饮也是一样。

中国的卷饼丝毫不逊色于墨西哥卷饼、印度飞饼，为何不能让美国人爱上中国卷饼？

截止2019年，君子食堂已经拿到三轮共数千万美元融资，投资人包括美国最大沙拉连锁品牌Sweetgreen，天使投资机构LDR Ventures，以及百年前由餐饮起家的投资公司DOM Capital等。

90% equity 10% bond portfolio

Case study: 

10% bonds

90% equity fund

SPY - dividend 1.75%

Every year take 50% profit to cash

20% upper limit

Idea how to plan to use the dividend every year: 

退休时，401K里的钱全部转成自己管理的账户，10%的现金，90%的股票。股票全部买SPY。SPY 现在时年红利是1.75%。在股票的上涨年，将上涨的一半转成现金。现金以占总额的20%为限。在股市的下跌年，股票不动。理论上讲，股市如果匀速增长每年8%，只要每年提取少于8%，你账户里的钱永远也提不完。但是股市经常是大起大落。这就需要灵活性。在股市上涨年，多花一些，股市下跌年就少花点。像今年，SPY涨了近30% in 2019，不仿提出10%，来几次豪华游。股市下跌年，就少游几次，或者商务舱改经济舱，豪华邮轮改一般邮轮。在股市的下跌年，只花红利外加20%账户里的现金。如此一来，你账户里的钱永远花不完。下面来个例子。一个100万美元的账户，现金10万，股票90万美元。如果你的运气实在太差，退休后，股市连跌几年。你提钱的公式如下：

第一年：红利： 1.75*900000=$15，300；20%*100000=$20，000。

第二年：红利的绝对值一般不会减少，所以仍是$15，300，账户现金提出20%*$80000=$16，000。

其他年份依次类推。