Here is the link.
為什麼你買股票總是一買就跌？為什麼職場升遷總是輪不到你？今天我們就找來被外界稱為「最懂鴻海」的外資首席分析師楊應超，不只要破解華爾街金童的投資心法，還要教你年年加薪的職場成功術，讓你40歲就能提前達陣享受財務自由！
00:44 美國股匯創新高!投資策略選擇保守才是王道?
03:36 最懂鴻海的分析師:台灣科技業優勢全面潰敗?
05:54 台積電發息慷慨大方!他卻直言隱藏成長瓶頸?
08:19 挑個股風險高?專業操盤手也比不上猴子選股?
10:53 基金經理人的選股法?專家爆金融業下單亂象!
12:27 投資黑天鵝遍佈?一招資產配置讓你布局全球!
14:10 專家研究絕招債券梯!分散買法減少利率風險?
15:43 外資報告=舊資料? 兩招教你不再輸在起跑點!
18:40 高喊買進就是好公司?散戶傻跟進恐賠到脫褲!
20:41 分析師靠人利之便偷出貨?專家打臉:外行看法!
23:43 職場生存秘技!這能力讓打工皇帝變外資金童?
25:53 超實用時間管理法!學起來竟能省下百萬美金?
27:48 上班族的職場第一步!打造完美職涯中期目標!
29:04 專家親身經歷!想要成功就要用這招達陣秘訣?
Monday, November 25, 2019
作者用5年時間研究白手起家的富豪，總結出他們的共通點！
Here is the link.
1. 热爱阅读 2.每天运动 3.乐于结实成功人士 4.有目标 5.坚持早起 6.有多种收入来源 7.有心理导师 8.积极的态度 9.不盲目随波逐流 10.会做人 11.助人 12.每天思考 13.欢迎批评和指教
1. 热爱阅读 2.每天运动 3.乐于结实成功人士 4.有目标 5.坚持早起 6.有多种收入来源 7.有心理导师 8.积极的态度 9.不盲目随波逐流 10.会做人 11.助人 12.每天思考 13.欢迎批评和指教
Case study: My graduate study from 2018 August to 2010 April
Nov. 25, 2019
I like to write a blog to talk about how to do a good research, what I learned through committee.
I used to worry about a lot of things starting from 2009 January to September. But at that time, I should also appreciate that I had such great support from my graduate study committee, I had chance to meet professors and had discussion on my research every week. Even though I did not come out concrete ideas to write a nice paper, but I did learn from those professors. How they treat me as a peer, listen to me and give me some advice.
At that time, I will not believe that one day I can be a such great researcher; I can just change the area like personal finance, investment analysis, and then I just push myself to move forward. I learn Harvard business case study method, I just start from simple case study, one after the another one, and learn from my own experience.
Introduction
I like to write a blog to talk about how to do a good research, what I learned through committee.
My case study
I used to worry about a lot of things starting from 2009 January to September. But at that time, I should also appreciate that I had such great support from my graduate study committee, I had chance to meet professors and had discussion on my research every week. Even though I did not come out concrete ideas to write a nice paper, but I did learn from those professors. How they treat me as a peer, listen to me and give me some advice.
At that time, I will not believe that one day I can be a such great researcher; I can just change the area like personal finance, investment analysis, and then I just push myself to move forward. I learn Harvard business case study method, I just start from simple case study, one after the another one, and learn from my own experience.
Weekend learning summary - Nov 23 - 24
Nov. 25, 2019
It is a good idea to review what I have learned last two days. I just could not believe that I should work on Leetcode algorithm practice, but I chose to watch so many videos to learn stock market, hedge fund and so many videos.
I like to summarize what I have learned about stock market, investment and all other topics.
Introduction
It is a good idea to review what I have learned last two days. I just could not believe that I should work on Leetcode algorithm practice, but I chose to watch so many videos to learn stock market, hedge fund and so many videos.
Weekend learning summary
I like to summarize what I have learned about stock market, investment and all other topics.
It is the hardest question but best one
Nov. 25, 2019
It is my personal finance research. I remembered that this year I was asked by Facebook recruiter what have you done since August 2018 Facebook phone screen. It is so hard for me to review what I have learned and completed. I like to write a blog on this topic.
Because I have experience to write blogs every day, it is not challenging for me to write first showcase called lowest common ancestor. Here is the link.
I learn that it is not a good idea to solve a lot problems as quick as possible. I have to focus on a simple tree algorithm, and train myself to think using various ideas to solve the problem. Therefore I can build confidence in terms of being a good thinker.
Introduction
It is my personal finance research. I remembered that this year I was asked by Facebook recruiter what have you done since August 2018 Facebook phone screen. It is so hard for me to review what I have learned and completed. I like to write a blog on this topic.
What have you completed?
I decided to write some show case to demonstrate how good I can solve problems, but in reality I stuck on simple depth first search backtracking understanding, and also space complexity causing timeout or run-time error.Because I have experience to write blogs every day, it is not challenging for me to write first showcase called lowest common ancestor. Here is the link.
I learn that it is not a good idea to solve a lot problems as quick as possible. I have to focus on a simple tree algorithm, and train myself to think using various ideas to solve the problem. Therefore I can build confidence in terms of being a good thinker.
How to be a good learner on youtube.com?
Nov. 24, 2019
It is my personal finance research. I like to learn business, investment and technology all day long in weekends based on youtube.com. I know that it is more important to read articles as well. Reading is more important compared to watching videos. But in order to find ideas what to read, I have to start from very good quality videos first. The recommendation does very good job on this.
I learn from my own experience. It is tough to stay at home whole weekend except two hours a day to do exercise or shopping. I have a lot of nutrition food, and I also choose not to go to church event. I like to learn more business on youtube.com.
I think that there are over 200,000 Chinese people in Vancouver area. I like to spend time to learn more about personal finance. I did spend whole week in 2018 at home and it was the first time in my life I learned that I had to do book keeping, review who I am as a consumer, how intelligent I am to manage myself.
As a single person, I may have not confidence to be a millionaire. I used to struggle so much in United States, but I did not learn that it is part of process of learning and growth of rich and wealth.
I used to worry about a lot of things starting from 2009 January to September. But at that time, I should also appreciate that I had such great support from my graduate study committee, I had chance to meet professors and had discussion on my research every week. Even though I did not come out concrete ideas to write a nice paper, but I did learn from those professors. How they treat me as a peer, listen to me and give me some advice.
At that time, I will not believe that one day I can be a such great researcher; I can just change the area like personal finance, investment analysis, and then I just push myself to move forward. I learn Harvard business case study method, I just start from simple case study, one after the another one, and learn from my own experience.
Introduction
It is my personal finance research. I like to learn business, investment and technology all day long in weekends based on youtube.com. I know that it is more important to read articles as well. Reading is more important compared to watching videos. But in order to find ideas what to read, I have to start from very good quality videos first. The recommendation does very good job on this.
How to be a good learner?
I learn from my own experience. It is tough to stay at home whole weekend except two hours a day to do exercise or shopping. I have a lot of nutrition food, and I also choose not to go to church event. I like to learn more business on youtube.com.
I think that there are over 200,000 Chinese people in Vancouver area. I like to spend time to learn more about personal finance. I did spend whole week in 2018 at home and it was the first time in my life I learned that I had to do book keeping, review who I am as a consumer, how intelligent I am to manage myself.
As a single person, I may have not confidence to be a millionaire. I used to struggle so much in United States, but I did not learn that it is part of process of learning and growth of rich and wealth.
I used to worry about a lot of things starting from 2009 January to September. But at that time, I should also appreciate that I had such great support from my graduate study committee, I had chance to meet professors and had discussion on my research every week. Even though I did not come out concrete ideas to write a nice paper, but I did learn from those professors. How they treat me as a peer, listen to me and give me some advice.
At that time, I will not believe that one day I can be a such great researcher; I can just change the area like personal finance, investment analysis, and then I just push myself to move forward. I learn Harvard business case study method, I just start from simple case study, one after the another one, and learn from my own experience.
Sunday, November 24, 2019
Mock interview - course schedule and binary tree maximum path sum
Nov. 24, 2019
Introduction
It is my first mock interview this weekend. I did not play weekly contest since I chose to prepare online code screen. But I did not work on Leetcode until Sunday evening 10:00 PM. It was so hard for me to work on mock interview, since I got used to surf internet and watch videos related to stock and how to invest, AI and other interesting thing the whole weekend.
Performance review
Here is my performance report.
I chose to solve the last algorithm since tree algorithm is my most favorite algorithm.
Nov. 24, 2019
124. Binary Tree Maximum Path Sum C# mock interview practice on Nov 24, 2019
207. Course Schedule C# mock interview practice on Nov. 24, 2019
210. Course Schedule II C# mock interview practice on Nov 24, 2019
This Canadian Genius Created Modern AI
Here is the link.
For nearly 40 years, Geoff Hinton has been trying to get computers to learn like people do, a quest almost everyone thought was crazy or at least hopeless - right up until the moment it revolutionized the field. In this Hello World video, Bloomberg Businessweek's Ashlee Vance meets the Godfather of AI.
For nearly 40 years, Geoff Hinton has been trying to get computers to learn like people do, a quest almost everyone thought was crazy or at least hopeless - right up until the moment it revolutionized the field. In this Hello World video, Bloomberg Businessweek's Ashlee Vance meets the Godfather of AI.
Popularization of science has made me a net star. get best educational for student
Here is the link.
Nowadays, with the vigorous development of educational equity in our country, the distribution of educational resources between rural and urban areas, big cities and small cities is not more equitable, but more disparity. I think the Internet is a good opportunity for students to get the best educational resources at the lowest cost. I feel that my value has been maximized by the Internet. This is my original intention. I hope I can continue to adhere to this original intention.
Nowadays, with the vigorous development of educational equity in our country, the distribution of educational resources between rural and urban areas, big cities and small cities is not more equitable, but more disparity. I think the Internet is a good opportunity for students to get the best educational resources at the lowest cost. I feel that my value has been maximized by the Internet. This is my original intention. I hope I can continue to adhere to this original intention.
我为什么当中学老师？李永乐老师清华大学演讲
Here is the video.
我是中国人民大学附属中学的一名物理教师； 也承担一部分物理竞赛培训工作。 今天，我非常荣幸能回到母校清华大学， 回到我曾经学习和生活过的地方， 来给大家讲一讲我的经历。 我希望我的经历能为大家的就业提供参考。 内容详见视频……
我是中国人民大学附属中学的一名物理教师； 也承担一部分物理竞赛培训工作。 今天，我非常荣幸能回到母校清华大学， 回到我曾经学习和生活过的地方， 来给大家讲一讲我的经历。 我希望我的经历能为大家的就业提供参考。 内容详见视频……
13 Secrets of the Filthy Rich
Here is the article.
- Money makes you popular (but not always in a good way)
- Even rich people don't burn their bridges
- Even rich people clip coupons
- Rich people set budgets, too
- Rich people are often thrifty
- Rich people pay attention
- Rich people invest wisely
- Rich people know how to negotiate
- Rich people prefer their own toys
- Rich people re-think their names
- Rich people take risks
- Rich people cut out the middle-man
- Rich people complain-and get results
The Buddy Breakup: How to End a Toxic Friendship
Here is the article.
Step 1: Evaluate the friendship
Step 2: Understand your relctance
Step 3: Flee or fact it?
Step 4: Grieve and rebuild
Step 1: Evaluate the friendship
Step 2: Understand your relctance
Step 3: Flee or fact it?
Step 4: Grieve and rebuild
13 Things Lottery Winners Won’t Tell You
Here is the article.
Most of people do not have finance literacy.
Past lottery winners weigh in on losing friends, becoming spectacles, and increasing the odds of striking it rich.
- Easy come, easy go
- Take a second chance
- We don't quit while we're ahead
- You will be exploited - possibly by your friends
- A lot can seem like a little
- We answer for our impulse purchases
- We are still looked down upon by the truly wealthy
- Your friends will change with your lifestyle
- You may be forced into the spotlight
- You may be forced into the spotlight
- 'Tis better to give
- Don't donate all at once
- Who are we kidding? Life is great.
Facts -> argument: Easy come, easy go
Whether we win $500 million or $1 million, about 70 percent of us lose or spend all our money in five years or less.Most of people do not have finance literacy.
Case study: Lottery winner
Here is the article.
Richard Lustig
“I’ve been rich and I’ve been poor, and I like rich a whole lot better.”
Richard Lustig is one of the rare exceptions. The 65-year-old Florida man is a seven-time lottery game grand-prize winner who is still basking in riches after hitting it big about two decades ago. “Obviously it’s changed my life big time,” he told TIME on Tuesday. “I’ve been rich and I’ve been poor, and I like rich a whole lot better. We’ve lived in big, fancy houses. I drive a Jaguar. We’ve gone on cruises. I can’t complain.”
“I’ve been rich and I’ve been poor, and I like rich a whole lot better.”
Richard Lustig is one of the rare exceptions. The 65-year-old Florida man is a seven-time lottery game grand-prize winner who is still basking in riches after hitting it big about two decades ago. “Obviously it’s changed my life big time,” he told TIME on Tuesday. “I’ve been rich and I’ve been poor, and I like rich a whole lot better. We’ve lived in big, fancy houses. I drive a Jaguar. We’ve gone on cruises. I can’t complain.”
The former professional drummer, who banked his largest payout of $842,000 playing Mega Money, has kept most of his earnings and wrote the book, Learn How to Increase Your Chances of Winning the Lottery, in 2010 after his latest lotto win of $90,000.
The book has been flying off shelves in the last two weeks. “It’s been insanity. We’ve sold thousands of dollars because of all the publicity,” he said. “We wait for these kinds of moments, when jackpots get really high. When it happens, boom!”
Lustig, who has two children with his wife of 30 years, said the key to staying happy is to hire a good financial planner and a good accountant after paying off all debts. “I’m smarter than that,” he said. “People, they just don’t think. You have to secure your future.” “The reason why you hear those horror stories about people who win huge amounts like that and all of a sudden they’re filing bankruptcy is because it’s usually from people who have never had that kind of money before in their lives,” he added. “They just go through it like crazy. They think there’s no tomorrow. Well, there is a tomorrow and eventually it will run out.”
Here’s How Winning the Lottery Makes You Miserable
Here is the article.
Sandra Hayes
“These are people who you’ve loved deep down, and they’re turning into vampires trying to suck the life out of me”
Sandra Hayes won the Missouri lottery in 2006 and split a $224 million Powerball with a dozen coworkers. The St. Louis woman is now a retired social worker and wrote the book, How Winning the Lottery Changed My Life. She told the Associated Press she had to “adapt to this new life” which changed how she saw her closest family and friends. “I had to endure the greed and the need that people have, trying to get you to release your money to them,” she said in 2012. “That caused a lot of emotional pain. These are people who you’ve loved deep down, and they’re turning into vampires trying to suck the life out of me.”
Sandra Hayes
“These are people who you’ve loved deep down, and they’re turning into vampires trying to suck the life out of me”
Sandra Hayes won the Missouri lottery in 2006 and split a $224 million Powerball with a dozen coworkers. The St. Louis woman is now a retired social worker and wrote the book, How Winning the Lottery Changed My Life. She told the Associated Press she had to “adapt to this new life” which changed how she saw her closest family and friends. “I had to endure the greed and the need that people have, trying to get you to release your money to them,” she said in 2012. “That caused a lot of emotional pain. These are people who you’ve loved deep down, and they’re turning into vampires trying to suck the life out of me.”
【解码财商】那个最懒基金赚了大钱
Here is the link.
19:32/ 21:22
定投指数基金
中证500指数基金 - ETF (for young people, more risk)
上证50指数基金 - ETF (for old people)
4% - 5% 红利， 5% - 6% 增长空间
19:32/ 21:22
定投指数基金
中证500指数基金 - ETF (for young people, more risk)
上证50指数基金 - ETF (for old people)
4% - 5% 红利， 5% - 6% 增长空间
Jim Cramer - China IPO analysis
今年纳斯达克收紧了中国中小企业在自家交易所上市后，CNBC做节目靠吼的财经主持人Jim Cramer对此表示了支持：
“去年上市的31家中国公司中有28家的交易价格低于其发行价”
“有一些赢家，但多数股票简直有毒”
“这纯粹是为了保护投资者免受垃圾商品的侵害”
2018年是中国企业涌向美股上市的一年，30多家中国公司在美国上市。其中主要的四场IPO是：被称为中国的Netflix爱奇艺，被称为中国特斯拉的蔚来汽车，电商拼多多，以及腾讯音乐。
但在它们之外，还有不少没有盈利的“科技企业”。这些中国公司在美股筹集了数十亿美元的资金，但是不少近两年上市的公司整体股价表现很让人心痛：
蘑菇街从开盘首日每股20美元下跌到了2.11美元，跌幅接近90%。
英语流利说从开盘首日每股8美元下跌到了2美元，跌幅约75%。
云集从开盘首日每股11美元下跌到了3.92美元，跌幅约64%。
团车从开盘首日每股6.65美元下跌到了2.49美元，跌幅约63%。
“去年上市的31家中国公司中有28家的交易价格低于其发行价”
“有一些赢家，但多数股票简直有毒”
“这纯粹是为了保护投资者免受垃圾商品的侵害”
2018年是中国企业涌向美股上市的一年，30多家中国公司在美国上市。其中主要的四场IPO是：被称为中国的Netflix爱奇艺，被称为中国特斯拉的蔚来汽车，电商拼多多，以及腾讯音乐。
但在它们之外，还有不少没有盈利的“科技企业”。这些中国公司在美股筹集了数十亿美元的资金，但是不少近两年上市的公司整体股价表现很让人心痛：
蘑菇街从开盘首日每股20美元下跌到了2.11美元，跌幅接近90%。
英语流利说从开盘首日每股8美元下跌到了2美元，跌幅约75%。
云集从开盘首日每股11美元下跌到了3.92美元，跌幅约64%。
团车从开盘首日每股6.65美元下跌到了2.49美元，跌幅约63%。
Rush to learn project managment Prince 2
Nov. 24, 2019
Introduction
I just came cross this project management term called Prince 2. I looked up my friend Tracy profile and learned the term.
Introduction
I just came cross this project management term called Prince 2. I looked up my friend Tracy profile and learned the term.
How should I rush to learn basics of AI?
Nov. 24, 2019
It is my personal finance research. I went to Facebook onsite interview this August, I met a few friends in California as well. One of them is a Linkedin manager and he gave me a gift for six month free premium account, and one is principle scientist of AI in Mercedes. Another friend also coached me how to find jobs before dinner, who works for Google. This December one of friends will come to Vancouver to attend a conference of AI.
I learn the lesson that I wasted 20 years from 1999 to 2019 since I did not learn how to invest; I spent almost whole year to learn how to invest in 2019. The lesson is to start early.
How to learn AI and start to build interest on this area?
Dialpad is the startup company I have strong interest to learn.
Introduction
It is my personal finance research. I went to Facebook onsite interview this August, I met a few friends in California as well. One of them is a Linkedin manager and he gave me a gift for six month free premium account, and one is principle scientist of AI in Mercedes. Another friend also coached me how to find jobs before dinner, who works for Google. This December one of friends will come to Vancouver to attend a conference of AI.
Start to learn, learn early as possible
I learn the lesson that I wasted 20 years from 1999 to 2019 since I did not learn how to invest; I spent almost whole year to learn how to invest in 2019. The lesson is to start early.
How to learn AI and start to build interest on this area?
Dialpad is the startup company I have strong interest to learn.
Mastering the market cycle
I like to spend some time to learn from the book called "Mastering the market cycle ".
Howard Marks on Risk, Market Cycles, and Investing
Here is the link.
Howard Marks is one of the most successful and well-known investors in the world. He co-founded Oaktree Capital, the largest distressed securities investor in the world, managing over $120 Billion. Marks himself is worth $2.1 Billion and his ideas expressed through his memos have been endorsed by Warren Buffett himself. He has also written two best-sellers on investing: "The Most Important Thing" and "Mastering the Market Cycle." Howard spoke to students in the Amador Valley Investment Club on May 2nd, 2019.
Howard Marks is one of the most successful and well-known investors in the world. He co-founded Oaktree Capital, the largest distressed securities investor in the world, managing over $120 Billion. Marks himself is worth $2.1 Billion and his ideas expressed through his memos have been endorsed by Warren Buffett himself. He has also written two best-sellers on investing: "The Most Important Thing" and "Mastering the Market Cycle." Howard spoke to students in the Amador Valley Investment Club on May 2nd, 2019.
$150 registration for tutorials - Should I attend the conference?
Nov. 24, 2019
It is holiday season. I am really looking for great ideas to meet and learn more about business, AI. My friend will visit Vancouver, and then I figure out that I also can attend the conference if I pay $150 Canada dollars for tutorials.
I like to check out my frugal leadership and see if I can make a good decision on this choice. Here is my blog about the conference.
It is better to save $150 dollars and then I go to youtube.com, search those speakers and learn from their past presentation.
One thing is to reason how good it is to pay $50 dollars for each of three sessions. I will meet my friend working for AI Mercedes if there is chance.
Introduction
It is holiday season. I am really looking for great ideas to meet and learn more about business, AI. My friend will visit Vancouver, and then I figure out that I also can attend the conference if I pay $150 Canada dollars for tutorials.
Friendship
I like to check out my frugal leadership and see if I can make a good decision on this choice. Here is my blog about the conference.
Talk about $150 expenses
It is better to save $150 dollars and then I go to youtube.com, search those speakers and learn from their past presentation.
One thing is to reason how good it is to pay $50 dollars for each of three sessions. I will meet my friend working for AI Mercedes if there is chance.
From average paid job to top 5% job
Nov. 24, 2019
It is my linkedin update. I got the notification that top 5% pay is around $100,000 Canada dollars/ US dollars. I like to figure out how to make transition from average paid job to top 5% job.
It is not too tough for me to apply the job since I already went to onsite for those jobs from Amazon and Facebook. I also like to learn how to push myself work hard, and train myself more on basics of problem solving.
Introduction
It is my linkedin update. I got the notification that top 5% pay is around $100,000 Canada dollars/ US dollars. I like to figure out how to make transition from average paid job to top 5% job.
Top 5% job
It is not too tough for me to apply the job since I already went to onsite for those jobs from Amazon and Facebook. I also like to learn how to push myself work hard, and train myself more on basics of problem solving.
My cellphone, my partner: Nuria Oliver at TEDxBarcelona
Here is the link.
Nuria Oliver has a Ph.D. with Honors in Artificial Intelligence and Computational Perception from the Media Lab at the MIT. At her current position - Scientific Director at Telefónica R&D, Barcelona - she is researching in the field of multimedia data analysis, mobile and ubiquitous computing, big-data analysis with a human-centric perspective and recommender systems. In her talk, Nuria points out that our smartphones inform us very well but do not know our personality nor our mood and thus neither adapt their communication to us as a human conversation partner would. She proposes us possible ways how a smartphone can identify our personality and mood. Thus, a smartphone would adapt not only to our personality but also to our current mood and communicate to us in a much more human form. The talk has been recorded at TEDxBarcelona on the 17th of May 2013. For more information please visit www.tedxbarcelona.com
Nuria Oliver has a Ph.D. with Honors in Artificial Intelligence and Computational Perception from the Media Lab at the MIT. At her current position - Scientific Director at Telefónica R&D, Barcelona - she is researching in the field of multimedia data analysis, mobile and ubiquitous computing, big-data analysis with a human-centric perspective and recommender systems. In her talk, Nuria points out that our smartphones inform us very well but do not know our personality nor our mood and thus neither adapt their communication to us as a human conversation partner would. She proposes us possible ways how a smartphone can identify our personality and mood. Thus, a smartphone would adapt not only to our personality but also to our current mood and communicate to us in a much more human form. The talk has been recorded at TEDxBarcelona on the 17th of May 2013. For more information please visit www.tedxbarcelona.com
Microsoft research - Nuria M Oliver
Here is my research since I like to find out if I should spend $150 on tutorial on this conference - NeurIPS | 2019.
December 2019 and a conference in Vancouver
Nov. 24, 2019
It is a conference related to AI, here is the link. My friend will come to the city of Vancouver from Sillicon Valley. She posted it on wechat, and I like to write a blog how I should work on.
I knew the friend near two decades. She is the principal scientist of Mercedes. I spent some time to research her profile on Linkedin.com. She has very successful career. She used to be a professor for top engineering school and also she worked as multiple jobs, at least 3 jobs last 20 years.
She told me that she got three offers in one month when she moved the whole family to Sillicon Valley. She told me two years ago when she and her family visited Vancouver. At that time, I did not really understand how hard it is. Now I understood better.
I had onsite from Amazon Seattle in 2018, and then 2018 August phone screen from Facebook, and then 2019 August onsite from Facebook. I never had any offer and I am hunger for more understanding.
I went to Facebook onsite interview and we met with other friends in Sillicon valley, a city called San Mateo near the airport. I wrote a blog about our dinner together with friends in Florida.
I like to come out some ideas to work on. Maybe I should learn from conferences as well. It is time for me to learn how to learn something about AI.
Introduction
It is a conference related to AI, here is the link. My friend will come to the city of Vancouver from Sillicon Valley. She posted it on wechat, and I like to write a blog how I should work on.
Sillicon Valley
I knew the friend near two decades. She is the principal scientist of Mercedes. I spent some time to research her profile on Linkedin.com. She has very successful career. She used to be a professor for top engineering school and also she worked as multiple jobs, at least 3 jobs last 20 years.
She told me that she got three offers in one month when she moved the whole family to Sillicon Valley. She told me two years ago when she and her family visited Vancouver. At that time, I did not really understand how hard it is. Now I understood better.
I had onsite from Amazon Seattle in 2018, and then 2018 August phone screen from Facebook, and then 2019 August onsite from Facebook. I never had any offer and I am hunger for more understanding.
I went to Facebook onsite interview and we met with other friends in Sillicon valley, a city called San Mateo near the airport. I wrote a blog about our dinner together with friends in Florida.
I like to come out some ideas to work on. Maybe I should learn from conferences as well. It is time for me to learn how to learn something about AI.
10 benefits to practice using JavaScript
Nov. 24, 2019
It is my idea to try to write JavaScript to solve leetcode.com algorithms. I like to think about 10 benefits to write JavaScript. I have not written JavaScript so often long time, I worked for a manufacture company, and I do not have a lot of chance to write JavaScript last 10 years.
Introduction
It is my idea to try to write JavaScript to solve leetcode.com algorithms. I like to think about 10 benefits to write JavaScript. I have not written JavaScript so often long time, I worked for a manufacture company, and I do not have a lot of chance to write JavaScript last 10 years.
10 benefits to practice JavaScript
I like to learn more about function programming. And also I like to push myself to try something new.【Q&A】北美程序员小姐姐 | 年薪百万不是梦 | 我对职业选择的看法 迷茫时期怎么办
Here is the link.
base salary - college graduate - 110,000 us dollars - 120,000 us dollars
sign on -
stock - 4 to 5 years, 1 - first year, 10 - second year or more
second and third year, all benefits - 180,000 US dollars
base salary - college graduate - 110,000 us dollars - 120,000 us dollars
sign on -
stock - 4 to 5 years, 1 - first year, 10 - second year or more
second and third year, all benefits - 180,000 US dollars
聊聊在美国科技公司做程序员 | 毕业生VS.资深老员工赚多少 | 工作强度 | 如何入职
Saturday, November 23, 2019
How not to squander the $1.5 billion Powerball jackpot
Here is the article.
I like to review those analysis and see if I can follow all ideas in the following:
After investing that $651 million in a conservative portfolio that earns an average of 3 percent a year, the move could generate a steady cash flow of about $19.5 million a year. (And that’s without spending down any of the actual prize money.) For the typical worker, that would be more than enough money to splurge on a new home, buy some luxury cars, offer some financial support to family and friends, and still indulge in a few luxurious vacations.
3% - conservative portfolio
One hypothetical portfolio that winners can consider would involve investing 40 percent of the money in municipal bonds, where returns would be free of federal — and in some cases state and local — taxes, Carbone says. Another 30 percent could be invested in dividend paying stocks from high-quality companies; 15 percent could be invested in real estate, including commercial real estate and rental properties; 10 percent could be invested in alternative markets such as gold and other commodities; and 5 percent could be held in cash.
40% - bonds
30% - dividend paying stocks from high-quality companies
15% - real estate
10% - alternative markets - such as gold or other commodities
5% - cash
I like to review those analysis and see if I can follow all ideas in the following:
After investing that $651 million in a conservative portfolio that earns an average of 3 percent a year, the move could generate a steady cash flow of about $19.5 million a year. (And that’s without spending down any of the actual prize money.) For the typical worker, that would be more than enough money to splurge on a new home, buy some luxury cars, offer some financial support to family and friends, and still indulge in a few luxurious vacations.
3% - conservative portfolio
One hypothetical portfolio that winners can consider would involve investing 40 percent of the money in municipal bonds, where returns would be free of federal — and in some cases state and local — taxes, Carbone says. Another 30 percent could be invested in dividend paying stocks from high-quality companies; 15 percent could be invested in real estate, including commercial real estate and rental properties; 10 percent could be invested in alternative markets such as gold and other commodities; and 5 percent could be held in cash.
40% - bonds
30% - dividend paying stocks from high-quality companies
15% - real estate
10% - alternative markets - such as gold or other commodities
5% - cash
This flight attendant saved enough to retire early but chooses to work
I watched the video twice. I do think that it is good teaching for me to learn about FIRE.
1. Delay gratification
2.
1. Delay gratification
2.
10 ideas to make US million dollar asset dream come true
Nov. 23, 2019
It is time for me to work on ideas. How to generate ideas to make my US million dollar asset dream come true? It is the first year first time I have this thought. I like to push myself to work hard.
There are a few surprise this year 2019. I had Fortinet onsite, Amazon onsite, Facebook onsite, Docusign phone screen, last week Dialpad online code screen.
I just could not believe that I have chance to go out and meet more people, learn more business. Also I think that I have to catch up learning about business, investment, technology and all other interesting things.
1. Get Facebook job in 2020. This will make my dream come true early and possible. All I have to do is to push myself hold high standard. Practice more algorithm up to 700, and also learn more about system design.
2. Get a full time to work for dialpad, try to pass online code screen. I will get paid as Canadian dollars, so it should go to my Canadian million dollar dream.
3. I like to learn more about investment, finance, and also get myself more educated about capitalism. The idea is to work on my 401 K and IRA, and see if I can learn to invest better.
4. Reserve some TFSA account to purchase USA ETF. I like to look into software ETF, technology ETF.
5. One of ideas is to learn how to invest $4000 - $5000 US dollars every year on stock market.
6. It is tough project to work on. I only have less than $40,000 dollar on my retirement fund and cash, and a condo with market value $135,000 us dollars.
7. I do not have too much time to learn personal finance and investment. I have to push myself to learn investment first, marketing and sales first.
It is hard for me to manage a project like this called millionaire dream. But I understand that it is also important for me to continue to work on being frugal life style study. I think that it is important for me to stay frugal, and stay away from people hyperactive spending.
Introduction
It is time for me to work on ideas. How to generate ideas to make my US million dollar asset dream come true? It is the first year first time I have this thought. I like to push myself to work hard.
10 ideas
There are a few surprise this year 2019. I had Fortinet onsite, Amazon onsite, Facebook onsite, Docusign phone screen, last week Dialpad online code screen.
I just could not believe that I have chance to go out and meet more people, learn more business. Also I think that I have to catch up learning about business, investment, technology and all other interesting things.
1. Get Facebook job in 2020. This will make my dream come true early and possible. All I have to do is to push myself hold high standard. Practice more algorithm up to 700, and also learn more about system design.
2. Get a full time to work for dialpad, try to pass online code screen. I will get paid as Canadian dollars, so it should go to my Canadian million dollar dream.
3. I like to learn more about investment, finance, and also get myself more educated about capitalism. The idea is to work on my 401 K and IRA, and see if I can learn to invest better.
4. Reserve some TFSA account to purchase USA ETF. I like to look into software ETF, technology ETF.
5. One of ideas is to learn how to invest $4000 - $5000 US dollars every year on stock market.
6. It is tough project to work on. I only have less than $40,000 dollar on my retirement fund and cash, and a condo with market value $135,000 us dollars.
7. I do not have too much time to learn personal finance and investment. I have to push myself to learn investment first, marketing and sales first.
Actionable items
It is hard for me to manage a project like this called millionaire dream. But I understand that it is also important for me to continue to work on being frugal life style study. I think that it is important for me to stay frugal, and stay away from people hyperactive spending.
The Dramatic Rise (And Fall) Of Xiaomi
Here is the article.
Lei often often says in public that Mi fans are “science geeks without high incomes,” indirectly indicating that their reviews of the phone are credible.
The fans also did their part by giving the phone free promotion online, especially on Sina Weibo, a popular microblogging platform.
Given its ability to generate word-of-mouth publicity through fans, Xiaomi was able to avoid unnecessary marketing expenditure. It sold its phones in flash sales online, whipping up a frenzy for its latest models.
Actionable Items
I like to learn how to write like the articles on Forbes.com.
Work on my English and also frugal life style
Nov. 23, 2019
It is a good idea to watch more video created by CNBC, and I spent over one hour to watch video. I also think that it is such great opportunity for me to learn English and work on my knowledge about technology and business.
I like those videos about Alibaba, Tencent, Baidu, Huawei, Xiaomi. It is such a surprise for me to find those videos.
I said no to Paris trip in USA thanksgiving holiday since I like to get better opportunity for myself. I got one, which is from Dialpad.com.
Introduction
It is a good idea to watch more video created by CNBC, and I spent over one hour to watch video. I also think that it is such great opportunity for me to learn English and work on my knowledge about technology and business.
Videos I like
I like those videos about Alibaba, Tencent, Baidu, Huawei, Xiaomi. It is such a surprise for me to find those videos.
I said no to Paris trip in USA thanksgiving holiday since I like to get better opportunity for myself. I got one, which is from Dialpad.com.
What is Xiaomi? | CNBC Explains
Here is the link.
Xiaomi became one of the world's largest smartphone makers in just four years. CNBC's Uptin Saiidi explains how the tech titan came to be called "China's phoenix."
Xiaomi became one of the world's largest smartphone makers in just four years. CNBC's Uptin Saiidi explains how the tech titan came to be called "China's phoenix."
The Inspiring Eight: Xiaomi Founders
Here is the article.
The most important thing is to focus, focus, focus. – Lei Jun
As the world grew attached to the Internet and smartphones, eight Chinese masterminds came together to create a phone that took that took the world by a storm! Lei Jun, Zhou Guangping, Huang Jiangji, Li Wanqiang, Hong Feng, Lin Bin, Liu De and Wang Chuan created one of the best brands to emerge from China.
Xiaomi Success Story | MI Vs Iphone | Best Chinese Phone | Inspirational Videos | Startup Stories
Here is the link.
Xiamoi Success Story - Startup Stories brings you the story behind the success of the Best Chinese Phone, Xiaomi Mi. Mi vs iPhone is one fight that's being going on for a few years now. Watch this inspirational video to know how a small startup became the 8th ranked smartphone in the world, and went on to create more products under Xiaomi's brand.
Xiamoi Success Story - Startup Stories brings you the story behind the success of the Best Chinese Phone, Xiaomi Mi. Mi vs iPhone is one fight that's being going on for a few years now. Watch this inspirational video to know how a small startup became the 8th ranked smartphone in the world, and went on to create more products under Xiaomi's brand.
【百秒】有钱人的四条财富妙诀 Four wealth tips from the wealthy people
Here is the link.
Ellie Ismailidou
Market watch
1. Delay gratification
2. Credit - use it smart
Use debt to your advantage
3. Buy and hold strategy - owning good company for longest time
4. Tangible asset - own them, like real estate
Focus on long term growth. Do not try to get rich quick.
Ellie Ismailidou
Market watch
1. Delay gratification
2. Credit - use it smart
Use debt to your advantage
3. Buy and hold strategy - owning good company for longest time
4. Tangible asset - own them, like real estate
Focus on long term growth. Do not try to get rich quick.
梁兵 professor
Here is the web page.
教育背景：
博士学位：爱荷华大学金融学， 1995
硕士学位：爱荷华大学质量管理和生产力学， 1990
硕士学位：中科院应用统计学， 1988
学士学位：中国海洋大学海洋气象学， 1982
硕士学位：爱荷华大学质量管理和生产力学， 1990
硕士学位：中科院应用统计学， 1988
学士学位：中国海洋大学海洋气象学， 1982
教授介绍：
梁兵教授现任上海高级金融学院特聘教授、麻省大学爱森堡管理学院金融学讲席教授。他曾于2013年在上海高级金融学院、2010年在耶鲁大学担任访问教授、2004年任伦敦经济学院访问学者。
梁兵教授的研究方向主要为对冲基金和共同基金、风险管理、资本市场的异常、计量经济学等。他在国际著名学术刊物如Journal of Finance，Journal of Financial Economics，Journal of Business, Journal of Financial and Quantitative Analysis, 和Management Science 等发表多篇论文。梁兵教授参与了多部金融类著作（包括《数量金融百科全书》）中有关投资、基金等章节的编写。因其杰出的研究成果，梁兵教授获得2003年欧洲金融协会对冲基金类最佳论文奖，2006年麻省大学爱森堡管理学院杰出研究奖和麻省大学研发领域最高成就奖，2007年中国国际金融会议最佳论文奖和BSI的伽玛基金会研究奖，2007和2008年分别获得了爱森堡管理学院特殊研究员称号， 2009年获得格雷厄姆-多德奖，2006，2012-2014 年获得了爱森堡管理学院杰出研究奖，2014年获得了爱森堡管理学院杰出教学奖等多个奖项。
梁兵教授讲授的课程包括《资产管理》等。他在麻省大学担任多门金融学课程的教学工作，主要包括《投资学》、 《高级投资学》、 《公司财务》、 《国际金融学》和《实证金融经济学》等。
梁兵教授于2003年被邀成为美国证券管理委员会对冲基金圆桌会议的专家组成员，并担任Journal of Alternative Investments主编, European Financial Management对冲基金特刊的嘉宾主编，European Financial Management, Journal of Investment Management副主编等职务。梁兵教授曾担任纽约大型对冲基金公司Entrust Capital的高级风险顾问，和上海桐湾投资公司的创始人及董事。
梁兵教授于1985 年获中科院应用统计硕士，1990年获爱荷华大学质量管理和生产力学硕士，1995年获爱荷华大学金融学博士学位。
Actionable Items
My idea is to build interest in learning personal finance. One thing I can do is to know one professor, and also start to figure out how to learn from his experience.
I really like the way the professor presenting the idea - he has very powerful teaching skills.
Interview of-Yi Liu
Here is the link.
刘毅博士是TIG证券化产品对冲基金的两位创始人之一，目前是该基金的首席策略官和合伙人，该基金主要由四位资深投资经理和五位分析师来管理。刘博士于1986年以安徽省高考第二名进入复旦大学经济系本科，随后在美国华盛顿大学获得经济学博士学位，专攻货币银行和金融学。在担任经济学教授三年后，下海进了金融行业，先后在PwC、Countrywide、德银、瑞银、美林工作过，直至2012年开创TIG证券化产品对冲基金（以下简称TIG或TIG对冲基金）。在采访中我们询问刘毅，TIG证券化产品基金如何做到鹤立鸡群？ 他回答：“一方面来说，我们有一个很好的团队，我们两个合伙人都是久经华尔街沙场，加起来有30多年的经历，另两位资深投资经理也共有近50年的工作经历。我们以前就是这儿那儿的同事，我的合伙人Stuart Lippman就是我在瑞银UBS的同事。我们团队经验相当广泛，有做过卖方的，买方的，还有做交易、做研究、做模型。大家合作得也很愉快，工作得很开心，这对一个刚开始的团队是一个很好的起步。另外的话，我们有很多的投资人对我们非常的支持，这也是我们这几年取得比较成功的一个原因。”
刘毅博士是TIG证券化产品对冲基金的两位创始人之一，目前是该基金的首席策略官和合伙人，该基金主要由四位资深投资经理和五位分析师来管理。刘博士于1986年以安徽省高考第二名进入复旦大学经济系本科，随后在美国华盛顿大学获得经济学博士学位，专攻货币银行和金融学。在担任经济学教授三年后，下海进了金融行业，先后在PwC、Countrywide、德银、瑞银、美林工作过，直至2012年开创TIG证券化产品对冲基金（以下简称TIG或TIG对冲基金）。在采访中我们询问刘毅，TIG证券化产品基金如何做到鹤立鸡群？ 他回答：“一方面来说，我们有一个很好的团队，我们两个合伙人都是久经华尔街沙场，加起来有30多年的经历，另两位资深投资经理也共有近50年的工作经历。我们以前就是这儿那儿的同事，我的合伙人Stuart Lippman就是我在瑞银UBS的同事。我们团队经验相当广泛，有做过卖方的，买方的，还有做交易、做研究、做模型。大家合作得也很愉快，工作得很开心，这对一个刚开始的团队是一个很好的起步。另外的话，我们有很多的投资人对我们非常的支持，这也是我们这几年取得比较成功的一个原因。”
丁鹏博士，中国量化投资学会 理事长
丁鹏博士，中国量化投资学会 理事长
《量化投资-策略与技术》作者
《量化投资与对冲基金丛书》主编
《量化投资与对冲基金》副主编
丁鹏博士是中国量化投资领域研究的先行者，开拓者，2014年计入东航金控任财富管理中心 总经理，从事领航基金系列产品的开发。
2012年进入是方正富邦基金，从事量化对冲产品设计与投资。
2008年进入东方证券金融衍生品总部，任投资经理、全球量化策略小组负责人，团队管理资金超过10亿。他同时还是多个基金公司、阳光私募和海外对冲基金的特别顾问，影响资金超过100亿。
他的著作《量化投资》是中国第一本介绍量化投资策略方面的教材，量化投资的奠基之作。全书用60多个案例，详细阐述了选股、择时、对冲、算法交易等核心量化策略，业内人士誉为量化投资的‘圣经’
丁鹏同时还是是‘CCTV证券资讯频道’‘第一财经’等电视媒体的特约嘉宾、《第一财经日报》《经济观察报》等平面媒体的特约撰稿人，具有广泛的媒体影响力。
丁鹏博士2001年毕业于上海交通大学计算机系，获得工学博士学位，并于同年留校任教，是国际知名的人工智能研究员，美国电子电气工程师学会（IEEE）、美国金融学会（AFA）会员，在国际顶级刊物和会议上发表过十余篇学术文章，获得国家发明专利5项。
他已经培训过的机构包括：嘉实基金、华泰证券、山西证券、招商银行、东证期货、永安期货，国际期货等。
《量化投资-策略与技术》作者
《量化投资与对冲基金丛书》主编
《量化投资与对冲基金》副主编
丁鹏博士是中国量化投资领域研究的先行者，开拓者，2014年计入东航金控任财富管理中心 总经理，从事领航基金系列产品的开发。
2012年进入是方正富邦基金，从事量化对冲产品设计与投资。
2008年进入东方证券金融衍生品总部，任投资经理、全球量化策略小组负责人，团队管理资金超过10亿。他同时还是多个基金公司、阳光私募和海外对冲基金的特别顾问，影响资金超过100亿。
他的著作《量化投资》是中国第一本介绍量化投资策略方面的教材，量化投资的奠基之作。全书用60多个案例，详细阐述了选股、择时、对冲、算法交易等核心量化策略，业内人士誉为量化投资的‘圣经’
丁鹏同时还是是‘CCTV证券资讯频道’‘第一财经’等电视媒体的特约嘉宾、《第一财经日报》《经济观察报》等平面媒体的特约撰稿人，具有广泛的媒体影响力。
丁鹏博士2001年毕业于上海交通大学计算机系，获得工学博士学位，并于同年留校任教，是国际知名的人工智能研究员，美国电子电气工程师学会（IEEE）、美国金融学会（AFA）会员，在国际顶级刊物和会议上发表过十余篇学术文章，获得国家发明专利5项。
他已经培训过的机构包括：嘉实基金、华泰证券、山西证券、招商银行、东证期货、永安期货，国际期货等。
How to prepare online code assessment?
Nov. 23, 2019
I like to make plans to prepare for online code assessment. I like to prepare at least 10 hours before I take online code assessment.
I think that I should take some adventure, and work on a few mock interview sessions on Leetcode.com.
I also like to take some time to review the algorithms I solved. I have solved over 400 algorithms, and I like to take some time to review those algorithms as well.
I also like to take advantage of preparation, push me to solve more algorithms. My goal is to solve 700 algorithms on Leetcode.com. Now my mark is 460.
Follow up
Nov. 26, 2019
Introduction
I like to make plans to prepare for online code assessment. I like to prepare at least 10 hours before I take online code assessment.
How to prepare?
I think that I should take some adventure, and work on a few mock interview sessions on Leetcode.com.
I also like to take some time to review the algorithms I solved. I have solved over 400 algorithms, and I like to take some time to review those algorithms as well.
I also like to take advantage of preparation, push me to solve more algorithms. My goal is to solve 700 algorithms on Leetcode.com. Now my mark is 460.
Hottest startup
It is my strategy. I do not know which company is hottest one. What kind of flow for talent to move to/ from. So what I do is to push myself hard, work on practice once I have time.
Based on my analysis, dialpad is hottest startup in the city of Vancouver. I like to give it a try.
Follow up
Nov. 26, 2019
Nov. 22, 2019
Mock interview on Leetcode.com. Here is the link.
Nov. 24, 2019
Mock interview on Leetcode.com. Here is the link.
Mock interview on Leetcode.com. Here is the link.
Nov. 24, 2019
Mock interview on Leetcode.com. Here is the link.
财经冷眼：我的贫穷与奋斗！（20191021第76期）
Here is the link.
学习投入对于富人来说，成本并不算高，但对于穷人来说，他投入的不仅仅是钱，还有生存的机会。特别是一些需要完全脱产或者基本脱产的学习，对于穷人来说更是一种奢望，因为一旦他们失去收入，生活将难以为继。因此综合来看，穷人的学习成本极高——这一点堪称穷人的命运诅咒与遗传基因，也是一穷起码穷三代的核心原因。
Research topic is about poverty, how to get rid of poverty? Nobel price wen to those three economists, two are in MIT, one in Harvard university.
学习投入对于富人来说，成本并不算高，但对于穷人来说，他投入的不仅仅是钱，还有生存的机会。特别是一些需要完全脱产或者基本脱产的学习，对于穷人来说更是一种奢望，因为一旦他们失去收入，生活将难以为继。因此综合来看，穷人的学习成本极高——这一点堪称穷人的命运诅咒与遗传基因，也是一穷起码穷三代的核心原因。
Research topic is about poverty, how to get rid of poverty? Nobel price wen to those three economists, two are in MIT, one in Harvard university.
是金融创新还是庞氏骗局？ 长租公寓爆仓或成P2P的下一个试金之地
Here is the article.
从目前的种种迹象看，这些长租公寓涉嫌利用法律盲区侵犯租客和房东的权益，以空手套白狼的形式套取大量贷款资金用于自身发展，把风险转移给房东和租客以及全社会，而把所有的利益留给自己。这些长租公寓，真的可能一夜爆仓，从而引发剧烈的社会动荡。
爆仓和暴雷是有严格定义的，指的是原本繁花似锦的形势，一夜之间突然全部归零，这才能叫爆仓，如果是慢慢亏下去的，那是不能使用这个词汇的，比如中国的实体制造业，你可以说他亏损，但是不能说他爆仓。
房东
首先，如果你是房东，要长点心，中介公司动辄抬价30~50%来收你的房，还要签长约，这不是白白送钱给你，这个钱肯定是你负担风险换来的，如果将来某一天中介公司倒闭资金链断裂，而你的房子被某个租客一次性签下了5年的贷款租金，那你就傻眼吧，这个钱到底是你来赔呢，还是你来赔呢，赶租客要是那么容易，法院拍卖的房产就不会那么便宜了。
租客
从目前的种种迹象看，这些长租公寓涉嫌利用法律盲区侵犯租客和房东的权益，以空手套白狼的形式套取大量贷款资金用于自身发展，把风险转移给房东和租客以及全社会，而把所有的利益留给自己。这些长租公寓，真的可能一夜爆仓，从而引发剧烈的社会动荡。
爆仓和暴雷是有严格定义的，指的是原本繁花似锦的形势，一夜之间突然全部归零，这才能叫爆仓，如果是慢慢亏下去的，那是不能使用这个词汇的，比如中国的实体制造业，你可以说他亏损，但是不能说他爆仓。
房东
首先，如果你是房东，要长点心，中介公司动辄抬价30~50%来收你的房，还要签长约，这不是白白送钱给你，这个钱肯定是你负担风险换来的，如果将来某一天中介公司倒闭资金链断裂，而你的房子被某个租客一次性签下了5年的贷款租金，那你就傻眼吧，这个钱到底是你来赔呢，还是你来赔呢，赶租客要是那么容易，法院拍卖的房产就不会那么便宜了。
租客
如果你是租客，那么你也要长点心，找中介公司租房可以，中介公司让你贷款交房租也可以，但是一定要搞清楚，这笔贷款是打给谁的，是直接打给房东，还是中介公司自己拿去了。
要知道中介公司是没有产权的，即便是租赁权，他们也是不是一次性全部支付的，开头支付一笔后，后面都是按季度打给房东。一旦资金链断裂无法支付房租，房东肯定要收房，而你住的房子，是房东的，不是中介的。像这种房东房客都是受害者，而中介跑路拿不出钱的案例，按中国惯例都是各打50大板和稀泥，一个人负担一半损失，但是哪怕是一半那也是万元级别的损失，你有必要去负担这个风险吗？
中介公司
为什么中介公司突然那么财大气粗，宁可抬价50%也要抢房源了吗？因为他们能够靠房源窃取租客的贷款资金，如果一切顺利那么所有收益归自己，如果不顺利那么全社会来承担他的风险和损失，真是一个无本万利的买卖，贩毒都没它来钱快。
中介公司
为什么中介公司突然那么财大气粗，宁可抬价50%也要抢房源了吗？因为他们能够靠房源窃取租客的贷款资金，如果一切顺利那么所有收益归自己，如果不顺利那么全社会来承担他的风险和损失，真是一个无本万利的买卖，贩毒都没它来钱快。
财经冷眼：大萧条、失业潮将至，寒冬里的家庭自救指南！（20190801第16期）
Here is the link.
当前中国，出口数据逐级下降，进口下降更快，造成衰退型顺差。房产榨干了家庭的最后一丝消费能力，出口大幅下挫后，消费这架马车已经熄火；目前地方政府债务缠身，银行资本金有限，投资这架马车也趴窝了，外资撤离，半年500万家民营企业破产，预言着中国40年来的最大失业潮已经到来了。中国绝大多数家庭主要成员将在未来3-5年将会失业，更多的家庭就会因此导致房贷违约破产。 冷眼认为，那些中低端的就业人员，那些替代性比较强、没有一技之长的人，将在失业潮首轮冲击波中倒下。而只有极端务实与高安全边际的个人与企业，才能闯过寒冬，存活下来。
当前中国，出口数据逐级下降，进口下降更快，造成衰退型顺差。房产榨干了家庭的最后一丝消费能力，出口大幅下挫后，消费这架马车已经熄火；目前地方政府债务缠身，银行资本金有限，投资这架马车也趴窝了，外资撤离，半年500万家民营企业破产，预言着中国40年来的最大失业潮已经到来了。中国绝大多数家庭主要成员将在未来3-5年将会失业，更多的家庭就会因此导致房贷违约破产。 冷眼认为，那些中低端的就业人员，那些替代性比较强、没有一技之长的人，将在失业潮首轮冲击波中倒下。而只有极端务实与高安全边际的个人与企业，才能闯过寒冬，存活下来。
财经冷眼：引爆下一轮经济危机的泡沫资产大排名，你如何应对危机？（20191025第78期）
Here is the link.
最近，全球经济都不太好，放缓的趋势都非常明显。各国的央行也都在进行宽松，来刺激经济。美联储今年年内已经连续两次降息了，上个月欧洲央行也是3年来首次降息，并启动了购债计划，日本央行也都大规模购买国债放水，今年经济增速和通胀都将下调。中国的央行虽然没有降息，但是通过降准和常备借款便利等货币宽松工具，像市场大量放水，拯救实体企业。
最近，全球经济都不太好，放缓的趋势都非常明显。各国的央行也都在进行宽松，来刺激经济。美联储今年年内已经连续两次降息了，上个月欧洲央行也是3年来首次降息，并启动了购债计划，日本央行也都大规模购买国债放水，今年经济增速和通胀都将下调。中国的央行虽然没有降息，但是通过降准和常备借款便利等货币宽松工具，像市场大量放水，拯救实体企业。
Friday, November 22, 2019
Leetcode mock interview
Nov. 22, 2019
It is two hour mock interview. I solved all three algorithm and it took me less than 90 minutes.
Here is my performance.
Nov. 24, 2019
239. Sliding Window Maximum C# mock interview performance with code review in 2019
117. Populating Next Right Pointers in Each Node II C# using level by level traversal practice in 2019
69. Sqrt(x) C# binary search practice with challenges in 2019
I think that it is better for me to solve another 250 algorithms. I should learn from my practice, therefore I can perform better in any coding project.
My weakness in the above three algorithms:
1. Consider edge case - not careful. I need online judge help - binary search algorithm Sqrt(x)
2. I should simplify the solution, learn more about C# API LinkedList. My analysis is not so strong.
Introduction
It is two hour mock interview. I solved all three algorithm and it took me less than 90 minutes.
Case study
Here is my performance.
Nov. 24, 2019
239. Sliding Window Maximum C# mock interview performance with code review in 2019
117. Populating Next Right Pointers in Each Node II C# using level by level traversal practice in 2019
69. Sqrt(x) C# binary search practice with challenges in 2019
Actionable Items
I think that it is better for me to solve another 250 algorithms. I should learn from my practice, therefore I can perform better in any coding project.
My weakness in the above three algorithms:
1. Consider edge case - not careful. I need online judge help - binary search algorithm Sqrt(x)
2. I should simplify the solution, learn more about C# API LinkedList. My analysis is not so strong.
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