Leetcode community rule: Why I move to Youtube.com and also blogger.com

 Nov. 11, 2020

Introduction

I got my Leetcode account banned in July so that I spent three days to review all my discussion post to remove my blog links and other personal links, later I got my account reactivated. First time I understood what is community rule. It is also the reason  I start to make youtube.com videos for algorithm practice. 

My investment - my time

I like to build community for me to grow as a software engineer. It is not easy journey. I could not make it to any FANNG company since my first onsite with Amazon in June 2016. I should have invested on Amazon stock starting from 2016, or I should have purchased a condo in the city of Surrey. I do not invest anything, continue to work on algorithm and data structure practice. 

I have to obey the community rule of Leetcode. I also learn the lesson to work better as a Leetcode writer. I only have 300 reputations. So I think that I can make some videos and then record my thought process to go through those Leetcode algorithms. 

I love to spend time to work on those algorithms. It is really helpful for me to stay current, get connected to other. I also can work on my crafting skills, engineering career efficiently. 

Youtube.com video is easy to make and also I like to see if I can have ideas to make better quality ones. 

Leetcode community rule

As a writer, I have to obey rules. Community rule makes good sense. I have to learn how to write efficiently. 

Case study: Mock interview Leetcode 727 Minimum window subsequence

 Here is the gist. 

Lessons learned from interviewee

Jack Dorsey: simplicity, constraint and craftsmanship

 Here is the article. 

Dorsey, along with co-founder Jim McKelvey, developed a small business platform to accept debit and credit card payments on a mobile device called Square, released in May 2010. The small, square-shaped device attaches to iPhone, iPad, iPod Touch, or Android devices via the headphone jack, and as a mini card reader, allows a person to swipe their card, choose an amount to transfer to the recipient and then sign their name for confirmation. Square is also a system for sending paperless receipts via text message or email, and is available as a free app for iOS and Android OS.^[64][65] The company grew from 10 employees in December 2009^[66] to over 100 by June 2011. Square's office is on Market Street in San Francisco.^[67] In September 2012, Business Insider magazine valued Square Inc. at US$3.2 billion.^[68] Dorsey is CEO of Square, Inc.^[69] On October 14, 2015, Square filed for an IPO to be listed on the New York Stock Exchange.^[70] As of that date, Dorsey owned 24.4 percent of the company.^[71] In March 2020 the FDIC permitted Square to open a bank. It announced plans to launch Square Financial Services in 2021.^[72]

He says his three guiding principles, which he says the company shares, are simplicity, constraint and craftsmanship.^[30]

NYSE: SQ: My first purchase

Here is the article.  

The share price bounce today is likely the result of investors realizing that the company still has great long-term prospects no matter what is happening with the coronavirus vaccine. Square was already experiencing significant growth before the pandemic, and it will continue tapping into the e-commerce trend long after the economic effects of the coronavirus are gone. 

Handle stress: Stock investment + play tennis + coronavirus + Youtube videos

 Nov. 11, 2020

Introduction

It is so hard for me to gain control of my work and life. My weight went up to 200 lb, and my hay fever needs me to take a pill every day. I can tell that my situation does not improve a lot. 

Stock investment

I learn from my own mistakes and I like to take time to learn. So I spend time to write down, and reflect on those mistakes. As a 54 year old, I spend last 10 years to rent a small bedroom, stay on frugal, but miss so many opportunity to invest. 

Last three years I have chance to accumulate the saving more than $50,000 dollars first time in my life. First time it is around 2017. 

Play tennis 

Now I had chance to play tennis double last six months. It helps me a lot to stay outdoor and continue to keep me healthy and happy. 

Coronavirus

I have to take some time to understand the challenge I have. I am lucky to find a renter who will move in this weekend to my Florida rental property - a two bedroom condo. It is $500/ month bill to pay if it is vacant. 

I also learn from my friend how she embraces the challenge to relocate from California to Florida. She is Michigan Ph.D. and Tsinghua graduate, back in 2001 she rented and she was my first renter. 

Youtube videos

I start to record some videos and talk about stock investment, algorithm and other topics as well. I like to explore the opportunity to grow in terms of finance, investment and be myself, help others. 

Stock investment: Do not be biased + $630 dollars opportunity loss

 Nov. 11, 2020

Introduction

I read a lot of articles about Suncor, but I do not read about PPL.TO and ENB.TO. I made impulsive decision to sell PPL.TO and ENB.TO, so the sale costed me the opportunity loss of $630 dollars. I like to write a blog to talk about bias, and how to make good decision, write down at least three reasons to sell position over $5000 dollars. 

Tools to help me 

I need to learn how to save time and also make good decision in terms of investing. I notice that I am easily manipulated by the market, and make quick decision to purchase and sale. 

I do not think like a long term investor at all with short return. How to make corrections as an investor? 

It is better for me to write a blog or play tennis sports or running. I can calm down and then do not make quick decision. 

I made quick decision to sell 70 shares of PPL.TO and 140 shares of ENB.TO. I do not think about the same market, SU.TO went up 20% on Nov. 9 first two hours, but ENB.TO and PPL.TO will catch another 10% as well. PPL.TO and ENB.TO are big and financial health oil companies in Canada. 

Do not hold bias. Treat those companies same. Next time when the market rebounds, I should hold on my breath, and then take time to allow PPL.TO and ENB.TO rebound. 

$630 dollars can be made easily as long as I am patient. I will think about more carefully later on. 

Mackenzie Retirement Reality Check 2020

 Here is the article.

Here are highlights:

1. At age of 62, compared to retired 57 year old
2. 
   

The study, conducted by Pollara Strategic Insights, revealed significant differences in the retirement dynamics of working Canadians compared to those who are already retired:

• Working Canadians expect to retire, on average, at the age of 62 (the average retirement age was 57 for those already retired).
• They anticipate requiring more than twice as much in retirement savings ($878,000) compared to current retirees (who reported having, on average, $427,000 in savings when they retired).
• Almost half of those who are not yet retired (45 per cent) plan to continue working in some capacity (versus just 9 per cent of those who are currently retired).
• Non-retirees also have higher expectations for their ideal retirement lifestyle, with 76 per cent planning to travel extensively (versus 44 per cent of retirees).
• Further, 51 per cent of those not currently retired expressed a desire to be involved in philanthropic initiatives (versus 33 per cent of retirees).

Further contributing to the shifting dynamics of retirement is the relative decline of defined benefit pension plans, longer life expectancy, low yields, increasingly complex financial markets, and higher costs of living, including housing and health care.

Travel stock: Why Booking Holdings, TripAdvisor, and Trivago Stocks Skyrocketed Today

 Here is the article. 

Trip stock went up 40% on Nov. 9, 2020. It went up another 10% on Nov. 10, 2020. 

Pfizer and BioNTech currently expect to produce 50 million vaccine doses in 2020 before ramping up to 1.3 billion doses in 2021. Fogel warned last week that he expects it to take "years for travel to fully recover."

Many stocks across the travel industry, including airlines and cruise lines, have popped today on the hope of travel demand returning to normal levels, even though the vaccine candidate is still in clinical trials and not expected to be widely available until late 2021.

Booking Holdings, which operates leading travel-booking platforms like Priceline and KAYAK, among others, has been hammered by the COVID-19 crisis. The company reported third-quarter earnings results last week, and they showed that gross travel bookings declined by a wrenching 47%, while revenue fell by 48%. The dire figures were mostly expected, though, and the stock rose modestly following the release.

"When we think about the timing and shape of this recovery, we continue to believe that a key milestone will be a widely distributed vaccine or effective treatment, which will give people confidence that it is safe to travel," Booking CEO Glenn Fogel said last week. "While we are encouraged by the news of progress being made on this front, we understand that it will take time to produce and distribute any vaccine on a global basis to achieve effectiveness."

TripAdvisor also reported third-quarter earnings on the same day as Booking, and many of its metrics were just as gloomy. Total revenue was down 65% and the company swung to a net loss. TripAdvisor's revenue primarily consists of travel-related advertising and bookings.

Urgent and important: Urgent + time the market + rebound

 Nov. 10, 2020

Introduction

It is my job to learn how to understand what is urgent and important. Today I should stay at home and catch rebound on oil stocks, and then I can catch up more work later. 

Urgent and important

It is important for me to learn how to invest on stock market. I am not new to invest on oil stocks. I have completed hundreds of hour research and have purchased and sold so many times. 

All I need to calm down, ask myself what is urgent. 

Investor question: Why I am not patient to invest as a long term investor?

 Nov. 10, 2020

Introduction

I did not catch rebound on Nov. 9 on SABR stock 40% return, SU.TO 25% return, and I found out that I did not learn the importance to be a long term investor. Only less than five months, all those stock went up over 10% to 40% in less than two days. 

Investment - Take risk

I have full time job, and my hay fever is under control, and I got a new renter moving in this Saturday in Florida rental condo. Why I do not have confidence to be an investor? I do not have faith in US economy, science and technology to overcome coronavirus. 

I need to learn lessons and write down my weakness and strength. 

Suncor -> All other energy stock - two days rebound

 Nov. 10, 2020

Introduction

Persistence is hard to learn. As a 54 year old, I am still too young to learn how to make good decision what time and day is most one in stock market whole year. Today is most important day, I should stay at home all day, and work on my research and how to invest on those energy stocks. 

Suncor stock -> All other energy stock

I need to think like a good manager. My goal is to maintain the confidence level, stay in current moment, stay on the ground. Do not blame myself. Put faith on hard work. I missed SU.TO 20% first two hours on Nov. 9, 2020, but I should not miss today's big return on those oil stock with over $100,000 dollars staying on cash account. 

I also need to consider to take one day off as well. 

Second day rebound: I should take a day off - Good research - Time to invest

 Nov. 10, 2020

Introduction

I have to take it seriously. Today is second day rebound. I should take a day off, and bet on some oil stock or other bank stock etc. A lot of investors are putting faith in vaccine and put together a quick return on stock today. 

WES stock

It has over 20% return on Nov. 10, 2020. Price from 7.87 -> 11.13, 3.25/7.87 = 50% return 

PBA stock

8.17% return

PPL.TO stock

Over 8% return

I have $64,000 dollars on my TFSA account cash to invest, marginal account $7000 dollars, Ameritrade IRA account near $18,000 dollars. 

If I invest $30,000 on PPL.TO this morning and $30,000 on ENB.TO stock, then I will have near $2400 dollars gains 8% on PPL.TO stock and 5% on ENB.TO near $1500 dollars. In total I can make $3900 dollars. 

Market is stable today and still go up for good and stable oil company. 

RDS-TO

I like to list those oil and energy company return today. 

Actionable Items

I bet that a lot of programmers can make huge amount of gains on oil stocks last two days. All it takes is to do good research, discipline to follow the rule to buy low and sell high. 

I have to learn how to discipline myself. Take less time and think clearly. This is most important opportunity for beginners to make huge gains in two days. 

Stock investment: Wisdom + Take chance + Do not give up

 Nov. 10, 2020

Introduction

I have to discipline myself when I understand what is wishful thinking, what is a practical idea to apply as a stock investment. I need to get more wisdom, take chance and do not give up. 

PPL.TO stock 

I need to take risk and invest $60,000 dollars on PPL.TO stock today. Today is big chance for PPL.TO stock go up more than 8%. 

Here are my reasoning:

1. SU.TO went up 20% on Nov. 6, 2020, but PPL.TO only went up 6%;
2. PPL.TO should be in the same market as SU.TO, but people bet on SU.TO first; 
3. All other stocks distressed since coronavirus went up on Nov. 9, 2020; 
4. Second day is also big chance to go up for good and quality stocks.
5. I should consider other speculators, what if vaccine solves all the problem after Next March. 
6. I should consider that the market price is still low. 

ENB stock

PPL.TO stock

Key largo portfolio: What if I can work on this idea based on SABR stock?

 Nov. 10, 2020

Introduction

I spent hundreds of hours to work on trade on stock market, my key largo portfolio will be better off if I can come out the idea suing passive investment idea. 

SABR stock

I like to use SABR stock as an example, how to build a portfolio. 

For example, I set the portfolio when SPX was lowest on Sept. 20, 2020. 

I can put 70% on SABR when the price was $6.0 dollars. 

$19000 dollars ->70% -> $13,300 dollars -> 2000 shares. 

On Nov. 9, 2020, SABR went up 40%. So my portfolio will have gains $19,000 * 70% * 40% = 28% gains, around $5600 dollars. The balance should be $24,000 dollars. 

Right now, my balance is around $19,600 dollars, $4,500 dollars less. 

I can replace SABR with stocks like PK or GE or F stock.