Tuesday, October 26, 2021

How to fish, not just eat sushi? (From San Eng)

View this email in your browser
Thank you for subscribing to Wizards Institute
which aims to be the #1 educational platform to research and share smart investing insights and to practice the principles from our Wall Street Journal and USA Today best-selling book, Ten Commandment of Investing.

Please find the first edition of our newsletter below, explaining the book's 10+ year backstory, the charities we support, and our mission to help millions adopt the #10Cs to financial freedom.

Please write us a book review and if you also love the newsletter please share with a loved one!
 
Thank you,
Wizards Team


Introducing the #10Cs to Financial Freedom

WizNews Edition #1, Friday 8/13/21

Five years ago, I decided my most important #DadGoals was to help my three daughters become financially free by age 21.  Epicures at risk of kuidaore*, the girls love their toro, ikura and ankimo.  Rather than just feed them sushi, we wanted them to learn to fish.
Hey, it's San and it's been a while. Welcome to the inaugural Wizards Newsletter.  

We will be sharing insights from research related to our Wall Street Journal & USA Today best-selling book, Ten Commandments of Investing (the #10Cs).  In Edition #1, we cover:
  • Learning to fish and the book's 10+ year story
  • Our mission to help millions adopt the #10Cs to Financial Freedom
  • Investment Wizard interviews and learning events

When the girls were as young as 8, we introduced them to two books.

Tim Ferriss' 4-Hour Workweek taught that our most precious asset is time. Robert Kiyosaki's Rich Dad, Poor Dad taught what my Chinese parents, a Wharton degree and 3 MBA tuitions never did - to be money smart, not just book smart.   

We also wanted the girls to learn investing -  whether they would be passive or career investors, for them to learn the best practices of the most successful investors, the Investment Wizards.   

Amazon lists 30,000+ investment books - why another?   We tried, but could not find one that captivates like 4-Hour Workweek or Rich Dad, Poor Dad.  The top books were overly asset-specific, outdated, too technical, or boring.

So we said let's write our own.  

We set an ambitious goal: we wanted our book to be the third must-read book after Ferriss and Kiyosaki - one that is educational, accessible, fun to read - and impactful.

Luckily, my brother Ed (a former CEO of an investment bank) and I had spent the past 10+ years investing with and researching Investment Wizards.  We had written a 100-page manuscript called the Investors Bible (akin to Cliff Notes) of their best practices.   We signed a reputable publisher for Investors Bible.   Then came COVID-19.  Ed's son Tim (a senior in college) and my daughter Oia (a high school senior) at the time, read the manuscript.

It'd never sell, they said.

While Investors Bible had tremendous insights from Investment Wizards, it was, like the other books, too technical and boring.   

They were right.

So Tim, Oia, and I completely re-wrote the book, drawing from the Investors Bible's decade-long research and rich content.   Many interviews, Zoom calls and four drafts later, we published the Ten Commandments of Investing.

The Bible's Ten Commandments is a universal guide to life for billions. The Ten Commandments of Investing, as practiced by the greatest Investment Wizards, is meant to be a universal guide to investing for millions - applicable to all asset classes, in any geography, in all economic cycles.

We added many stories and case studies.   We kept it content-rich for experienced investors while infusing Tim and Oia's voices to make it easy to understand for novices and a joy to read for all. 

Our readers agree. 
The book made #1 in two Amazon categories last November.  In February, #10Cs hit the best-sellers lists on Wall Street Journal and USA Today, and in June, we released the paperback version with plans for audio and Chinese, Spanish, and Korean editions.

According to the World Bank, the majority of adults (adults - not just kids!) lack basic financial and investment knowledge.  Even in the rich world, two-thirds of Americans live paycheck to paycheck.   We believe the #10Cs provide a great roadmap: financial literacy instills financial confidence and sets the path to financial freedom.

Our mission is to help millions to invest smarter using the #10Cs, through the book and its non-profit companion site Wizards Institute.   All content is free and all book profits are donated to three charities that share our cause. 

How can you help?

  • If you read the #10Cs, please leave us a review (all feedback is appreciated!)
  • If you love the #10Cs, purchase and share with someone you care about
  • Subscribe to our newsletter and share our content with the world - we are 18,000 strong so just 982,000 shy of a million subscribers ;o)

Or just visit Wizards Institute 

Oia, now 18, has taken meaningful steps to follow the #10Cs.  She invests in stocks and generates monthly passive income online, her academic tutoring business is thriving and she is taking a gap year before UChicago to invest in real estate.  

She wants to pay her own way through college and be financially free by age 21 so she can chase her passions.

Yup, she's fishing and can indulge in sushi without risk of kuidaore ;o)

Thank you and may we all #10Cs to Financial Freedom!

 

San

 

Recent News & Wizards Interviews

Upcoming Events & Sharing

To access the content above and more, please visit Wizards Institute!

#10Cs #wizardsinstitute #financialindependence #financialfreedom #saneng #oiaeng #skytian #richdadpoordad #timferriss

WHY ARE YOU RECEIVING THIS?  You are receiving this newsletter because you have opted to subscribe to it from the Wizards Institute website or are connected with the authors and founders. If you wish to unsubscribe please click the link at the bottom of this newsletter.

WIZARDS INSTITUTE.  Wizards Institute is a not-for-profit platform founded by San Eng and his partners with the mission to teach financial literacy. The properties include the book Ten Commandments of Investing, the hashtags #10Cs, the Wizards Institute website, educational content, and various media channels.   Wizards Institute is financially supported by Skytian Group LLC, an investment firm also founded by San Eng.

LEGAL DISCLAIMER.  Not investment advice.  We are not certified financial planners/advisors, financial analysts, economists, CPAs,  accountants, or lawyers.  The contents on this site are for informational and educational purposes only and do not constitute financial, accounting, or legal advice.   We can not promise that the information shared on Wizards Institute and its affiliated content channels are appropriate for you or anyone else.  By using this information, you agree to hold us harmless from any ramifications, financial or otherwise, that occur to you as a result of acting on information found on this site.   

PRIVACY POLICY.  We do not collect information about you other than what you personally provide if you submit a comment (your email will not be published) or sign up for newsletter updates and what's available through normal server logs and Google Analytics.







This email was sent to leo.wang.m2venture.mobile2china@blogger.com
why did I get this?    unsubscribe from this list    update subscription preferences
Wizards Institute · 30 N Gould Street · Suite N · Sheridan, Wyoming 82801 · USA

Thursday, August 19, 2010

Web不会死,Internet倒是会永生

最近美国连线杂志主编Chris Anderson的《Web已死,Internet永生》这篇文章着实引发了很多大虾的思考,有很多人站在了对立面,并不支持Chris的"论调"。

我看完后倒是没有那么强烈的反应,毕竟,媒体习惯"标题党",喜欢用极端的言论吸引眼球,我想在接下来的5到10年里,Chris Anderson也不会抛弃他认为已经死掉的Web(浏览器),100%拥抱Apps...

其实,仁者见仁,智者见智,这篇文章最大的价值在于引发了读者的思考,这这里的读者有着千百样的不通背景,所以首先要搞明白,Chris Anderson所指的Web是什么,Internet又是什么?

根据我对全文阅读后的理解,其实Chris Anderson所指的Web应该是泛指通过"浏览器"来交互的互联网内容和应用;而Internet则是我们广义上理解的那个英特网!

为什么Chris会说"Web已死"呢?因为他是标题党,毕竟在他的文章中,你可以看出,他的本意是"用浏览器浏览Web页面"这件事情正在成为过去时,而且还在继续呢,并不是已经过去!

为什么说"正在成为过去时呢",因为随着移动终端和无线宽带网的迅速普及,人们越来越依赖于手机上的客户端应用,而非直接用手机浏览器输入网址(毕竟不太方便);现在智能手机应用种类五花八门,涵盖了你能想到的所有领域,在每一个细分的用户需求下,都有一个完美的手机应用等待你的点击,你不需要输入什么,只需要点击、点击、再点击;抚摸、抚摸、再抚摸。。。在iPhone的引领下,手机交互的友好性突飞猛进,大家已经习惯了点、摸、摇、晃、捏、划甚至说。。。等等一系列革命性的交互体验,再也不想通过手机上微小的虚拟键盘输入文字啦,而目前,浏览器接入的Web页面体验还是传承了PC+鼠标时代的逻辑,及其不友好,所以Apps的体验极大地胜出!

表面看来,Chris说的正在进行时非常正确,不过仔细分析一下Web的前世今生来世,其实不必如此极端!

我不止一次在圈内呼吁大家认真对待HTML5的发展趋势,尽快做好准备,拥抱HTML5,因为这个得到了Apple、Google等巨头支持的Web标准,可以让浏览器浏览网页的体验趋同与Apps,而且开发者的开发成本(时间和精力)也会革命性地降低,可谓是业界一大快事!

其实,不远的未来,我们已经分不清哪个应用是浏览器接入(解析)的,哪个应用是Native语言开发的,因为今天我iPad设置的几个Web页面桌面Icon点击打开后,根本看不到浏览器的影子。。。

哪个时候,说"Web已死"也不合适,说"Web永生"也不妥,其实没有必要钻牛角尖,争执这个概念没意义!

有意义的是什么呢?

有意义的是:

1、五年后,全部的WEB浏览器(手机,电脑等)会支持HTML5
2、绝大多数的网站会采用HTML5编写,用户体验可以跨平台传承
3、移动终端联网超过PC联网,交互设计的主导由PC过度到移动终端,由鼠标过度到指尖
4、通用的搜索引擎功效被弱化,人们用不同的Apps/网站实现不通的联网需求
5、程序员们慢慢从跨平台开发和移植的噩梦中醒来,拥抱Web的重生,拥抱下移动互联网的春天...


王利杰 Leo Wang
Founder of Mobile2.0 Forum
Leo@bossonly.com
http://bossonly.com

Friday, August 6, 2010

Hutchison 3 和记黄埔3 APN设置

If you travel to HK a lot, you need to buy a prepaid local SIM card so you can use the local 3G wireless broadband with a reasonable price, I suggest you chose Hutchison 3 Turbo 3G , it will charge you 2 HKD / MB if it's less than 14 MB / day and after that traffic, it's free all day, so the maximum price per day is 28 HKD, no use no charge;

Oh, I forget to tell you, the maximum charge per month is 298 HKD, which is so great...

But, if you are using Google Nexus one, this phone will not get the APN setting automatically, you need to set up by yourself, and here is how to setup Hutchison 3 prepaid 3G SIM card APN on Android Nexus One cellphone:
  1. On the device, tap the Menu icon;
  2. Select Settings > Wireless & networks (or Wireless Controls) > Mobile networks > Access Point Names;
  3. Press the Menu key and select New APN;
  4. Select Name, enter 3 Modem and tap OK;
  5. Select APN, enter ipc.three.com.hk and tap OK;
  6. Press the Menu key and select Save;
  7. Press the radio button next to 3 Modem to set the profile as default.
Done, now you can try your mobile browser or google map to test the 3G network of Hutchison 3 in HK...




王利杰 Leo Wang
Founder of Mobile2.0 Forum
Leo@bossonly.com
http://bossonly.com

Monday, April 12, 2010

2010年4月12日 电话诈骗遭遇分享

现在骗子已经用400电话作案了,大家小心啊,我分享一个有趣的案例:

今天下午我的移动号码收到了来自湖北荆州联通的手机来电,号码“13264647365”,对方女士操着浓重的南方口音用普通话跟我说她是上海车管所的,问我是不是 ***车的车主,我一听就知道有好戏了,所以我就漫不经心地应对着。

她问我的车是不是***时间买的,我回答是的;
她问我是否收到了退税通知单,我回答没有;
她问我是否更改了住址,我回答没有(其实有的);
她问我地址是不是*****,我回答是的(她确实说出了我购车时候的真实家庭住址);
她反问我为什么没收到,我继续反问她“我怎么知道”?;
她说了一个2010年出台的政策,我得车可以退税5000元,今天最后一天了,我说“好的”;
她告诉我由于通知单退回去了,所以要我联系国税局,问我是否知道国税局电话,我说“不知道”;
她告诉我说国税局的电话是:“4006837868”,我的用户号码是1025;
她还并告诉我尽快联系,否则明天就不能退了,我说好的;

出于好奇心和刨根问底栏目组的敬业精神,我用中国移动的手机拨打了“4006837868”,然后我的Android手机为我显示除了该号码归属地区是“湖北荆州联通”,电话马上就接通了,竟然没有任何前置回铃音和按键,无须等待。

对方一个女士接通了电话,同样的口音(但不是同一个人);
我问这是哪里?她答国税局;
她问我什么事,我说退税,她说你用户号多少(看来“国税局”没别的事干,专门处理退税的)
我报上了用户号,她搜索一下说你是不是***,我说不是(确实没说对我的名字);
然后她又查了一下,问我是不是**8,我说不是(还没搞对,看来系统搞好);
她让我报上了我的姓名,继续检索,还是没查到(不知道系统谁做的,太不专业了);
她让我两分钟后再打来,她需要确认一下我的号码(开来要求助IT了);

我挂断电话,开始写这篇分享,写道这里,我继续打“4006837868”

通了:

对方说帮我查好了,我的号码是105,不是1025(怪前面哪个女的口音太重了);
她问我是不是沪H ***车主,我说是的;
她说查下来我可以得到退税:4986元,我说太好了;
她反问我为什么拖延到今天最后一天,我说没收到通知;
她说因为最后一天了,钱都退到财政部国库银行,还余留了一部分以个人卡来操作;
她问我什么银行卡,我说招商银行;
她说不支持招商银行,但是支持四大国有银行:工商,农业,建设,邮政,交通,农村信用社
我说接下来怎么办?
她说请我带着卡找到附近的ATM取款机,然后打电话给他们听怎么操作;
我说我卡不在身边,能否先告诉我怎么操作,我转达家人替我操作;
她说这么说不清楚,请我家人直接给她打电话;
我说我岳母年级大了听不懂她的普通话。。。。

在卡的问题上纠结了很久,她一定要我自己带着卡去找个ATM机然后电话她。。。

后来我没空继续玩了,借口说算了没多少钱,实在没办法我不要了,就挂了电话!

我的估计是,如果我拿着卡到了四大银行的ATM取款机,听她指令的话,她会诱使我转4986元到他们提供的一个账户。。。

这件事情我最大的不满在于“4006837868”这个400号码是联通提供的,为什么我们的运营商不考核一下400号码申请的商家呢?这不是在给这些骗子背书嘛?因为逼近很多人还是相信400开头的号码的。


Betashow 
2010年4月12日 电话诈骗遭遇分享







Sunday, February 21, 2010

Layar - 全球第一款“增强现实”手机浏览器

今天推荐一个很具有创新力的手机应用:Layar - 全球第一款“增强现实”手机浏览器 / The First Augmented Reality Browser。这是今年3GSM大会上获将的前11款移动应用之一,点击这里查看来自3GSM的官方介绍,这款应用由来自荷兰的软件公司SPRXmobile开发,据说A轮已经融了2千5百万欧元。



关于什么是Layar,请允许我引用一下官方的产品介绍:The Layar Browser is a free application on your mobile phone which shows what is around you by displaying real time digital information on top of reality through the camera of your mobile phone (iPhone 3GS or Android). On top of the camera image (displaying reality) Layar adds content layers. Layers are the equivalent of webpages in normal browsers. Just like there are thousands of websites there will be thousands of layers. One can easily switch between layers by selecting another via the menu button.

在你的手机(带摄像头、GPS和罗盘,目前iPhone 3GS,Android都支持)安装Layar后,打开Layar,将手机摄像头对准任何位置固定的物体(建筑物,马路,桥,商店,景色)等,就能在手机的屏幕上叠加出现与画面上物体(位置)相关的现实数据,比如与你的相对距离,建筑物的介绍、周边的房屋出租信息、酒店介绍及价格等信息、银行、便利店、咖啡厅、茶馆、酒吧、餐馆、加油站、ATM取款机的详情介绍和打折信息、好友拍摄的相片、发布的博客文章、在FourSquare上做过的Check in,在Youtube上发布的相关视频,Wiki上面的介绍,历史上发生过的重大事情等等。不过这些由第三方提供的信息都不是直接全部显示在手机屏幕上,而是有序地以Tag和Icon的形式叠加在屏幕上,用户感兴趣的时候可以点击Tag和Icon了解详情。也可以在设置的时候过滤掉你不喜欢的叠加信息。

Layar并不直接通过“图像识别技术”来工作,而是靠GPS探测到目前所在的位置,罗盘判断摄像头所面对的方向。然后每个内容合作伙伴(CP)自动匹配当前位置的内容,并各形成一个个不同内容的图层。所以你把Layar对着一个茶杯是不可能知道它的材料、价格和品牌的,这是Google Goggles在干的,改天再介绍。Layar是一个典型的LBS手机应用。

#layarscreenshot Layar local search
#layarscreenshot Layar local search
#layarscreenshot Layar local search

上图中我截图的时候在家里(室内),所以摄像头对着的是家里的墙,但是自动叠加的信息仍然是我设定好的Coffee,在我摄像头对着的那个方向,Layar帮我找到了13家咖啡馆,是不是很酷?如果谁知道国内有朋友在做的话,不妨介绍给我,这个服务有很强的地方特色,很适合国内的优秀创业者自己来做,我很想认识一下:-)

接下来关注一下Layar的最新动态:



Layar 3.0 launched: 5 cases to show the power of the platform

We are very proud to present to you version 3.0, with fantastic new tools to enable the already more than 1000 active independent content developers to create AR experiences that go far beyond answering the simple ‘where is…?’ question. This new version allows everybody with basic web development skills to create rich immersive experiences that cannot be replicated on a map, in a traditional browser or in a mobile location based application.


另外,如果您还没过瘾的话,可以点击这里继续查看TechChrunch对Layar的报道


最后,国际上还有类似的产品吗?那是当然啦,看官您可以继续参考观摩以下几个类似的Augmented Reality产品:

1、RobotVision:http://robotvision.elan3.com/ (Embedded with Bing from Microsoft)

Robotvision augmented reality is an exciting new way to explore the world around you. Using the accelerometer and compass technology of the iPhone 3GS, along with new camera capabilities of the 3.1 OS update, you can discover content and locations around you like never before.

Search for nearby locations, restaurants, points of interest -- you name it! All using the power of Bing local search. Discover photographs taken and geotagged by Flickr users in the area. Find and engage with people on Twitter in your area - all just by looking around like you normally would! Get it from iTunes store now.

WIKITUDE World Browser presents the user with data about their surroundings, nearby landmarks, and other points of interest by overlaying information on the real-time camera view of a smart-phone. AVAILABLE for DOWNLOAD through your Androidphones in the Android Market Place.

Wikitude World Browser for your iPhone in the iTunes Store and Symbian at Ovi Store!
3、GEOVector:http://www.geovector.com/

See something that interests you? Point your phone to find out about it. GeoVector brings you Real World Hyperlinking.

GeoVector® provides “advanced pointing search” and augmented reality capabilities for location applications. GeoVector has transformed the way a mobile device is used to find local information. Using GeoVector's convenient, directional search, you can point your phone at a place that interests you in order to learn more about it or aim your phone down a street to search for things which are in that direction.