On Sharemarkets

I met up yesterday with a few friends who have also gotten into the sharemarket recently. We shared our resources such as books, podcasts, movies on what we have been using to learn more about the stock market and what we have heard in our ‘research’. We discussed what we should buy, what we have bought, and what we are thinking of selling.

Who would have thought I would have been interested in the stock market 2 years ago? It always seemed ‘too complicated’ for me and seemed like an ‘adult and foreign’, risky and troublesome area to get into. I stuck with safe things like Bank Long-term deposits, saving accounts, and just worked and tried to save as much as I could.

Low risk = Low returns. That’s the way life is, if you don’t take a risk then you are less likely to gain more. Yes, the stock market can be quite volatile… the cost of something can swing depending on what time of the day it is…and it can seem like you are losing Or gaining a lot of money in a short period of time. But the truth is, you aren’t gaining or losing unless you sell the stock. You can keep holding onto a stock in the hopes that it will rise up once again. ..or alternatively you can choose to sell it and lose less than you woudl have if the company takes a downturn and becomes worth next to nothing.

I guess there is always going to be a risk in every you do. I have heard it being said a few times, “It is not about the timing of the market, but the time in the market”. 

You can only start earning when you start investing and building, growing and diversifying. But I think at the same time, you should always have an emergency fund of money to access in case something like a loss of income should occur,

Priorities in Life

I think I have said it before, but there is a time and place for everything.

There is a time to save, a time to spend, a time to invest, a time to just work your ass off.

Everyone harps on about work-life balance, but what and who really determines what value you put on each area? Is there a perfect number? I think it is more a subjective thing and it will change through the seasons of your life.

I believe our priorities change as we grow…In high school, all I ever wanted to do was graduate and be done with school. Then in Uni, I just wanted so badly to pass my exams and to finish my course. I started working and then all I could think about is how much I missed my friends at uni and all the free time I used to have.

People my age are getting married, having kids, working and planning their life.

I suppose it comes down to our values to what we think is important and that occupies our time.

Last Day

Last days are so awkward.

There is a swirl of emotions.

Happiness. Sadness. Regret. Anxiety.

There are people that you may never see again.

There are some you want to say Good Riddance forever to

Then there are others that you want to hold onto to.

So many memories are made…both the good and the bad.

But, you appreciated the journey.

You learnt something new.

You grew a bit as a person and as an adult.

And you are one step closer to where you might want to go.

You’ll miss it, but you don’t know if you would go back given the chance.

But maybe you will have the opportunity one day.

Who knows?

You gotta sometimes Cheer yourself on

 

When the going gets tough and there doesn’t feel like there is anyone in the same boat as you…Sometimes you have to be your own cheerleader.

Maybe it has something to do with positive thinking and mindset, may be it has something to do with loving yourself.

You can do this and you can say I believe in me.

Financial Health Check

I’ve been listening to a bit too many podcasts about money lately…as you can probably tell. I was listening to one particular podcast where someone on the show was making a website based on getting you better deals by allowing you to compare side by side what the different banks were offering in terms of things like term deposits, loans, etc. I can’t believe how much time it saves! So today, post work I have set about moving some money I have been saving up for my future house deposit and put into a 3 month term deposit…I highly doubt I will be able to purchase a house within the next 3 months, so better to maximise the interest I can get while it is in the bank.

I have a second account in which I have some emergency funds that I can use for spending, because I don’t want to lock away all my money in a fixed term deposit. I will use this money for things like unexpected expenses I may incur or for expensive things like specialist appointments… *Sad face*.

I wish I had done this earlier! It takes a lot of time though, trying to sort out your finances. As I also have multiple bank accounts across three different banks and so manyy bank cards…it’s hard to keep track of how much money I actually do have…xD yet great in a way, because unseen and forgotten money means I spend less!! I also have to remember to keep checking up on my stocks and to keep an eye out for good prices..and to remember to keep growing my rather small portfolio.

I still have much to look in terms of the superannuation..I think I will look further into it after I finish up my current contract…as I will have to combine that super with my other super account…somehow…

So many things to think about as an adult…who knew looking at your financial health was so important and took so much time? *sad face* BUT in the end, if you look after your finances, it will look after you in the future. *happy face* (hopefully).

Being able to Eat out again

Don’t mean to brag or anything, but in South Australia, as I have mentioned before, things are almost back to normal. For the first time since forever, I dined in at an actual restaurant and had table service and all! The food was the best I have had this year, hands down. Maybe, it’s because all I have been having is takeaway and food court style foods…it’s the small things in life you didn’t know you will miss until it’s gone.

Shopping centres are open once again and it was filled to the brim with people. Sure, there was still reminders to social distance in the shops and on escalators. But it is hard to do when there is soo many people around. We still aren’t allowed to dine in at the food courts, so they have banned people from sitting on the tables and chairs, however there were groups of people sitting and eating on the floor….I think that’s even more unhygienic…but yeah.. lol… Who would imagined that Australians would be sitting on the floor of a food court eating?!?!

As there is still a limit to how many people can dine in at a restaurant, my friends and I put our name and number down at the restaurant we wanted to go to and walked around the shopping centre until they called us to say the table was ready.

Felt like a century ago since we were able to meet up, eat together, and shop together.

Super grateful.

The end of a chapter and the start of the next

The cogs of change are changing again and life as I had known it for the last 9 months , funny how it started as a 4 week gig. When did it change? When did I stop caring, stop striving, and lost my focus?

I think I did bring it upon myself…too scared to let go of what is safe and what is familiar and immerse myself into the unknown. I am not sure if that is partly the reason why I find myself in this predicament. But then ironically, I prove myself right. It didn’t work out, but at least I have a some form of security in knowing that I have the second job while looking for something new.

It’s scary. Not knowing what my future will be like. But hey, this has been happening every few months before a contract ends. I still remember the terror and anxiety I felt when my first contract was almost ending…I was worried did I make a good impression? I’ve always worked hard and did my best to be nice to everyone. But I guess when you so hard and with no recognition, you start feeling under appreciated, tired, stressed, and burdened. Too scared to complain because you want to be chosen to stay there, yet everyday feels harder than the day before.

This good bye was inevitable. There are regrets, but there are also moments where I had a confidence that I did not have before and I am proud that this difficult situation developed that in me. Standing up for my rights and of others is something that I strive to do. I think it has something to do with respecting yourself and speaking up when something things off or wrong. Working in a mental health institution has always been a goal of mine and I have fulfilled that and believe this was be a stepping stone into something greater.

Apparently, with this company there will be an exit interview…this is not something I have done before, despite working in so many places previously. There is so many things I want to say, but I need to be careful of saying anything too bad,  because I need this people to be referees. There is never a way to win is there? Better to leave on good times than bad. I am both scared, yet also looking forward to a change of scenery. Bring on the last 3 weeks of full time work…

Stay Tuned for updates

The Breaking Point

I think we all have a limit.

A point where just one small thing can put you over the edge.

Something small that usually wouldn’t bother you.

But you have had enough.

I think you know it’s happening, even when you try to convince yourself everything is okay.

People think you are fine when you are barely holding yourself together.

You try to brush it away, pretend it is not real…BUT IT IS there and it eats away like you like an internal parasite.

The parasite is eating away at your and slowly it takes over your whole body.

Slowly you become an empty shell…Where you feel nothing, care about nothing, and do things you didn’t care about.

It’s a ticking timebomb and someday…you are gonna explode.

Then you will know.

It’s too late.

You’ve reached your breaking point.

Social Wealth

Whose place is it to determine someone’s worth in society?

Does it rely on age, gender, race, or other physical attributes? Just because someone is physically not as able to move around, does not mean they cannot contribute to society. Just look at Stephen Hawking And Nick Vujoic.

Society looks at a homeless person in the street and decides they are not worth much. However, they may be the mother of two beautiful children who have become a front line worker, they may be the beloved sister in her family. They were a precious child of their adoring parents.

Just because someone hasn’t finished school or gone to University doesn’t mean they cannot go on to do great things, look at the creator of Facebook who never finished his college degree. Just because you didn’t get a head start in life and be born into a rich family, doesn’t mean that you can’t make that a goal for yourself. Just because you didn’t grow up in a family of doctor, doesn’t mean you can’t pursue that profession for yourself.

Who is to judge whether one profession or the other has more prestige or power? Just because a cleaner isn’t getting paid as much as a top surgeon, doesn’t mean that they are any less important. There are so many important people in the world that are looked down upon and shunned in society.

I am not even sure what exactly the point I was trying to make was, but does and should your bank income and your job title determine your social status? Going through credit checks for  mortgages and credit cards, they ask how much you earn, how much you spend, and they are interested in what suburb you live in. We are reduced to a number of facts and figures and we are judged on that. It’s a strange society that we live in. It doesn’t matter if you are a reliable and honest person, if your numbers and statistics doesn’t reflect it.

Not Everyone is cut out to become a Parent

Once a couple has been married a few years, the natural questions they most commonly will be asked is, “So when are you having kids?”. Our current society has this expectation of young couples to start families, ASAP. However, we are often forgetting that life just gets busier and busier. People are more focussed on building their careers, travelling the world, and doing other great things, it’s hard to stop and try to fit having kids in there. I solemnly believe that having kids is not everyone’s cup of tea…It might be the right thing for one couple, but shouldn’t be expected for every couple out there.

 

Don’t get me wrong. I don’t hate kids. I absolutely LOVE playing with my nephew or other people’s kids. I used to serve as a Sunday School teacher for many years…people know I love kids and I am good with them, but that does not necessarily mean I will or want to have my own kids. There is a difference in playing with kids during their happiest times and not having enough sleep for the last 3 months because your kid will not stop crying in the middle of the night. There are so many things that are more important in my life at this time and kids don’t fit into the equation. I am working in two jobs, studying a graduate certificate, and also working on this blog, and ideas for my book. I just can’t imagine having time to fit in kids as well and I think that is absolutely fine. Right now, I am still saving up money to buy my own home. I don’t know how I will be able to afford to raise a child, let alone be able to send them to school, and pay for all those additional expenses. Not everyone will make a great parent, some parents are too selfish and won’t look after their kids properly and this leads to some kids getting abused, blamed, and neglected, their parents shouldn’t have kids. Just because you gave birth to a child, doesn’t mean you will always love them and this is why so many kids end up in foster care, orphanages, and on the streets. 

 

In saying that, I have friends whose biggest goal and dream in life are to become a great mother or father. They feel like it is their life purpose to have kids and to make sure that they turn out alright. The human population would slowly die out if we didn’t have kids, it means there will be no younger workforce to look after the elderly and to take up laborious jobs that older people can’t do. The younger generation is our future and I agree it is important to have kids, but the world is already overpopulated in a way and in developing countries, it is a big issue and that is why China implemented the ‘One-Child Policy’ for a period of time to reduce overpopulation in China. Parents and Grandparents often encourage their children and grandchildren to produce offspring because that is what their grandparents and parents wanted from them. Yes, it is good to have kids, but not everyone should have them.

 

I believe you need to have a calling to be a parent. It’s not for everyone and it is not for me. I love kids, however, I can’t imagine revolving my whole life around the raising of the child and blaming myself if they didn’t turn out well. While the majority of heterosexual couples will probably end up having kids, I think it is absolutely fine not to have kids and instead chase your dream career or other aspirations.

 

re: Employment

Someone once said, “Work a job that you love and you will never have worked a day in your life”.  Or something like that. Working is an integral part of of the adult life in the current day society. Because we work, society is able to function as well as it does. While there are many benefits to working, there are some major disadvantages as well. This post will discuss both sides of this area further.

Employment is vital to an adult’s life, this is because we all know we need an income to survive and by survival, I mean having a roof over our heads, food to eat, clothes on our backs, and money to buy food and clothing. Work also provides a routine in our lives and gives our life some type of purpose while on earth and perhaps could help answer the question of “Why am I on Earth?” (or not). Having a job can also boost our self-esteem and self-confidence especially if it is something we are proud of telling others, but even if it doesn’t, at least it shows that you are earning your own income. Other additional benefits of work include the social aspects of meeting new people, working together, or talking to clients or patients. Our workplaces also allow us to learn new skills and help keeps our minds active. By working, we decrease our reliance on government handouts. For me personally, working throughout my university has always been my means to be able to travel to different places in the world. Now that I have graduated, I am working to save up for a deposit for a house. Money is a catalyst for some sort of happiness, temporary or not.

In saying that, there are some negative aspects to being in employment. In Asia specifically, where the working day tends to go into the night and there far fewer holidays, there are increased cases of people dying from overwork. One particular case was that of the death of a popular animator, Kazunori Mizuno, of the well-known series ‘Naruto’, his cause of death being overwork. The Japanese even had a word for those who die from overwork, which is ‘Karoushi’. Asides the possibility of burning out at work, the workplace environment is also a very important aspect to consider. A toxic work environment can be detrimental to your physical and mental health. Workplace bullying is one of the biggest cause of anxiety and depression. Work also takes up a lot of time in your day and hence hindering to do what you like. However, without money, there is a limit to what you can do. It’s a catch 22.

Work plays an important part in our lives and is a central part of helping society to function. It has a beneficial way to learn new skills, increase our self-esteem, and giving us a routine for our lives. Whilst there are many benefits, unfortunately, workplace bullying and burnout from overworking are some serious concerns that arise from unhealthy working conditions.

 

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Travel is like medicine for the soul

While I was studying at University, I would always go overseas each year in the Uni holidays, without fail. It was the event that I most looked forward to at the end of the year. It was the sweet reward for my hard efforts that I put in through the year…Working hard to pass my subjects and then working hard after class in my part-time job to save up for my precious holidays. To me, travelling was medicine for the soul. Unfortunately, since I have started working full-time, it has been incredibly difficult for me to go on holidays because this is subject to being able to take leave, and if you have enough annual leave left.

There are many benefits to travelling, this includes benefits to one’s health. It can decrease stress and also be good for the clearing of the mind and allow you to relax. It also has many physical health benefits, because it will force you to get moving around and doing different activities that you normally would not do. It is good for your mind to because you get to become familiar with a new culture and the customs of a society that is different from your own. You get to meet new people, taste exotic foods, and see beautiful things that are greater than anything you have ever imagined. I firmly believe that those who travel have more stories to tell and are more interesting people to talk to and spend time with. Travel can teach us an invaluable lesson in life, teaching you to appreciate what you have, or encouraging you to try harder to achieve what other cities have. Basically, you are going to ‘A Whole New World’. Pun intended.

In saying that, there are a few things that travel is unfortunately not good for. Travel costs money. Usually. A LOT of it. You need to buy flight tickets, accommodation, transport, food, travel insurance, and so forth. It is not a cheap activity, especially if you are struggling to survive day by day, how can you afford to travel? Or if you are trying to save up for a house or something else…it just sometimes doesn’t seem necessary. It can be risky too, especially if you are going to third world countries where you may contract an infectious disease. You could also be at higher risk of being mugged, or a target of scammers because you are a foreigner. For some, who have a fear of flying, water, or motion sickness in general, travel could cause more headache than it is worth. It is also a time-consuming activity, which generally requires lots of planning…and if you factor the time you spend ‘travelling’ it could be days of precious annual leave that is being used up, in which you could be ‘Chilling at home’.

Travel has a multitude of benefits for one’s mental and physical health and allows us to become more culturally informed. However, it is not a luxury that everyone can afford and it also comes with some risks and dangers. However, for me, travel is a medicine for my soul and the longer I don’t travel, the less alive I feel. Even if it is a temporary medication that drowns my sorrows, only for a moment, it is worth it.

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Can’t believe it is 2020.. This year i am going to be posting short like essays like this, which I use as a preparation activity for my exams 😀 …

Almost the end of 2019…

I think it’s time for a reflection.

Big things, small things, decisions… risks, investments..friendships, relationships, money, time, study, work, career….goals and dreams.

If only we were able to do it all and achieve it all… Sometimes you feel that one life-time is not enough. You feel like there is much to chase after, yet you also fail to appreciate what you have achieved already and what you have.

Sometimes I feel regret at what I sacrifice in order to get closer to what I want to achieve. I question myself, is it worth it? To be so driven towards something that gives you temporary joy when you achieve. I am somewhat afraid that when I finally reach the goals and final destination to where I want to go, I fear it won’t make me as happy as I had hoped.

This fear… will it stop me from trying? I think I will regret most not trying hard enough. But even though i am striving towards my goal…I am also trying to pursue my career goals… and then there’s my bucket list of things I wanna do before I am 30.

I think I am going through what I call a “one third of life crisis”. Not sure what I want, but everyone around me seems to me talking of marriage, getting married, having kids, buying houses… and then there’s me.. not sure what I want to do. I am sure I am not the only one who feels that way though… life is meant to be more simple than we make it. We complicate it by over thinking, by worrying about what hasn’t happened yet… or worrying that something will never happen.

FOMO is so real. I try to avoid it, aside from Linked In and a fake FB account.. I don’t go on social media. But even in the brief moments I have gone on these apps…I’ve managed to make myself feel bad.. I compared myself to this person because they got into medicine this year… oh and this one got a “Senior Pharmacist” position, even though I graduated first!! Or this one got into the hospital residency program…so much to compare myself to…you get my gist. I know I am supposed to feel grateful for where I am, so many would kill to be in my position..two well-paying jobs… good work place… mostly good colleagues…

But sometimes, your brain just shuts down and just wants to run away from it all and just have a break, before your break.

Random Rants: Are you happy right now?

When you earn more money, do you get more stingy? Or do you become more generous?

I find that the more I earn…the more I spend…but at the same time, I also try to be careful with my money. It’s a ‘balancing act’…Earn more..can spend more…thus not saving more.

It’s a conundrum. It’s great you are earning more…but you also pay more tax…and then you end up with less than you initially imagined.

The ability to earn more…means you can afford to go on holidays in which you couldn’t before…do you take the time off and go on a holiday? Or do you keep saving and saving until one day..you can’t work anymore?

Such is life…I guess you have to choose whether you are happy, satisfied with how much you have.

You could be poor and happy. You could be rich but sad.

So many decisions to make…Do you take the risk to do a job that offers you one-two month contracts at a time, with no guarantee of ongoing work? Or do you instead continue part-time work …that also doesn’t offer you any more hours? But it is permanent. Or do you remain casual, which is flexible…but where you get pushed around by the big guys up there…When it’s busy they overwork you, when it’s quiet they don’t care about you and you get no shifts. The instability of life. Choices.

Such is life.

Priorities

I had an argument with someone who was once a friend…I was constantly trying to make plans to meet up with them or talk to them, yet they were always TOO BUSY to even talk. They would take forever to reply to simple texts asking if we were meeting up that day or not. It was just getting really annoying and frustrating for the lack of communication.

Call me pushy or too clingy…but honestly, sometimes you do wonder why you even bother? If the other person is putting in zilch effort towards a relationship that is one-sided, what even is the point?

Apparently, they are ‘too busy’, apparently their schedule is ‘too unpredictable’. But honestly, with a bit of communication and planning, there is always time. But, that’s only if you want to make time.  I got angry because I know that I have been incredibly busy and run down lately…but I do try my best to spend time with loved ones…because they are the ones who keep me sane, to help me relax. It wasn’t always like that, I used to just concentrate on work and study and no play. But that is no way to live.

We make our own schedule…essentially we choose what we do. Sometimes we feel like that isn’t the case. Despite knowing this, I still complain that I work too much…13 out of 14 days…but that’s IS MY OWN CHOICE and I have my reason to do so, but I don’t use that as an excuse for not meeting up someone when they ask me. Friendships and those close to us are a treasure. Those that are real friends will stick around when the going gets tough…when you are feeling down…and sad. If you neglect your friendships and just concentrate on something like your career, or earning money, or just one single relationship…and neglect the rest. If you lose that one thing, you have nothing.

I get angry at people like that because I was once like that…and still like that to a small extent. I know I need to change, it’s hard I KNOW. I am super guilty of just want to put my all into something. I am the first to compare myself to others and want to have what others have. Those who seem like they are succeeding in what they do, do you see all their sacrifices to get to where they are? Do you see their blood, sweat, tears, and the loneliness that they face?

I guess it all comes down to your priorities and your values. Maybe career is all you care about and is what you live for. But for me, I don’t want to go to the end of my life and realise, yes I got the job that I wanted…I had so much money…but I had no one with me in my final days of life.

I have a wall sticker on my wall it says, “The best things in life are the People we love, the places we’ve been, and the memories we’ve made along the way.”

and the other stick on my other wall says “If you can dream it, you can do it”.

Two very conflicting values that I hold strongly too. I want to live my dreams, but I also treasure every moment with my friends and family. Because they are truly the best things in life to me.