Saturday, July 28, 2012

What the hell went wrong here...?

What the hell went wrong here...?
Ok.. Well.. Im just going to start from the beginning.. I was born in Van Nuys California. When i turned 3 my parents divorced and after that i switched through my parents week to week, basically i did one week with my mom and then the next week with my dad etc. etc. My dad has always had more money than my mom.. Until i was about 11 or 12 i was growing up in Canoga Park going to public school.. which is a predominately Mexican area.. My dad is french and one day out of the blue he wanted to move to france. I felt this big pressure to go, as if i had no choice because everyone was encouraging me to go, even my mom! Well i went to france and soon realized that i couldn't speak any french at all.. I went to a bilingual private school.. i wasn't hard to make friends but it was hard to keep up in school.. one of the more important subjects, math, was taught in french and i didnt understand anything! as a result my grades struggled. My dad also had a psycho for a wife, i did not like her one bit i hated her so bad. Well after i finished my school year i went to go back to live with my mom. The thing is though that she moved and was no longer in Canoga park so there was no chance i could see my old friends. I went to public school again (thank god) for about a year. I nearly failed the sixth grade because i was still struggling from grade 5. Turns out that after i left france my dad got a job offer in indonesia. I went to visit during my winter break and found out that he divorced his psycho wife.. I was pretty happy she was gone and upon returning to america i told my mom i wanted to live with my dad. Well here i am now in indonesia, 15 yrs old and a lame f.u.c.k. I'm still struggling from grade 5 and im in grade 10 now nearly on to grade 11! Im depressed n s.h.i.t.. I hate the people in my school because all of them are rich f.u.c.k.s all of them are arrogant ignorant a.s.s.h.o.l.e.s they worry about the most insignificant things and it seems like all of them have bad intentions. I probably have like 2-3 real friends now. My grades are dropping too fast for me to pick up, my final exams already started. This winter i visited my mom and other relatives for the first time in 5 years. I was so sad when i returned.. all the things i missed.. My older brother was not how i remembered him. last time i saw him he was 22 or 23 now hes 27 and has a 4 year old daughter (well 4 in april). My older sister was no longer a teenager, she was 21. My cousins who where 1 or 2 years apart from me were all different. They weren't little kids anymore. Their voices had changed. My aunt had a 3 year old son that i never met in my life. I felt so sad about all the things i missed.. now i'm back in indonesia, and im thinking, what am i living here for? i'm wasting my time here, i'm not going to become anything great. I should just go back to Canoga Park where all my family is (except my mom, and my mom is legally poor according to the government.).. I don't fit in in this place, private school is not for me and the way people act here, im about to kill someone soon.. What do you guys think? What went wrong? What should i do? Also my dad is nowhere near understanding.. I get bad grades, he screams at me, when i get good grades he just does a little grunt and barely acknowledges it.. and everytime i get bad grades he threatens to send me back to america (i would take it as a gift) and he says ' if you want to go live with the 'winners' (he always makes fun of my moms family because they're poor.) in LA be my guest' and now that i have exams i try to make him happy at least and make it seem he isn't wasting his money sending me to private school (he is wasting his money by the way because i could care less about my education) so the other day after my english exam i said ' i wrote a s.h.i.t.l.o.a.d' and he was like 'a s.h.i.t.l.o.a.d? more like you took a s.h.i.t.' I feel like he doesnt even think i can do good. I know i cant do good. Once again, What do you guys think went wrong? What should i do? O damn thats the funniest joke i've ever heard. Where can i buy gas X by the way? Snore. please lick my sack
Psychology - 2 Answers
Random Answers, Critics, Comments, Opinions :
1 :
I think the move to Indonesia was the big mistake.Get back to America,reconnect with your family and start caring about life again.You DON'T care about it THERE,which makes you similar to many of the natives of that place! The past is gone,but the future is yours.Go back to the family that will love you again and the way of life that YOU will love again.
2 :
i agree with zen. it's not your fault that you had a broken childhood. the only mistake that i can see that you made is that you trusted other people more than yourself and chose to go to france with your dad. it was really hard and you fell under the pressure. the constant moving combined with not knowing french messed up your education. your dad sounds like a jerk but he likely has a busy schedule and works really hard. it probably seems to him that you're spoiled, unappreciative and lazy. i am not saying he's right because it seems like he doesn't try to understand or be sympathetic. i think you should make some time to be by yourself where you can think clearly and think about what you want and how to get there. is the private school Indonesia going to help you get there? you might want to make a pros and cons list for clarity. LA vs indonesia. if you decide to stay think of ways to make it easier. do NOT do it for your father but for yourself. you will probably have to work extra to catch up, you could possibly take a few extra classes or have a tutor or study up on your free time. if you decide to leave make sure you have fair plan of what you want to do in la. which school do you want to go to? what are you passionate about? what makes you happy? it might be a good idea to ask your father for a certain portion of the money he's paying for private school. you could use this to help pay through college and anything else you need. not trying to judge but having a counselor or psychologist might help support you emotionally. it's seems like you're surrounded by a lot of negativity(particularly your father) and someone that will be there for you could really help. make sure you think hard about your options before you decide. no matter which decision you make you will most likely have to talk to your father about it. it's hard but it's important to try to stay calm and not curse or yell. he seems more like the practical uncaring type and emotions and profanity might really anger him. explain to him what you plan to do and why. you could tell him that you feel overwhelmed and depressed. try to help him understand how you feel. if he tries to understand or listens to you then their might be hope for you two to connect. if he dismisses you or ridicules you it's likely that he'll never understand or care enough to. if that happens then it's best to avoid him as much as possible and train yourself to not be hurt or be affected by what he says. the thing that matters most is that you're happy. people come and go civilizations come and go. money and power matter only if you're happy. you can be really rich and still be miserable. hope this helps and that you live a full and happy life. goodluck. : ) ps: these quotes might help. "Use soft words and hard arguments." English Proverb "Against criticism a man can neither protest nor defend himself; he must act in spite of it, and then it will gradually yield to him." Johann Wolfgang von Goethe "With reasonable men I will reason; with humane men I will plea; but to tyrants I will give no quarter, nor waste arguments where they will certainly be lost." William Lloyd Garrison "The whole problem with the world is that fools and fanatics are always so certain of themselves, but wiser people so full of doubts." Bertrand Russell "I can't give you a sure-fire formula for success, but I can give you a formula for failure: try to please everybody all the time." Herbert Bayard Swope "Success is the ability to go from one failure to another with no loss of enthusiasm." Sir Winston Churchill "It is pretty hard to tell what does bring happiness; poverty and wealth have both failed." Kin Hubbard "Happiness is when what you think, what you say, and what you do are in harmony." Mahatma Gandhi


Saturday, July 14, 2012

problem my friends take dollars?

problem my friends take dollars?
hello i dont speak english well . i am from indonesia. i move to usa 2 months ago . i make friends very fast. problem, my friends take all money i am given for work. they say its normal for someone new to country. is it normal. do your friends take your dollars . they are good friends. they come over and eat with me many times. they even borrow movies and games and one even took TV that i had no room for!! i just would like know if this is normal. if not what should i say. i like my friends very much. it not big deal but i need to pay required bills. i dont have any money though to pay. so i dont know what to do. i create paypal account. what next
Friends - 6 Answers
Random Answers, Critics, Comments, Opinions :
1 :
umm no its not okay for them to take your money.. you work hard for and and you should be able to keep it... yes i think they can borrow your stuff as long as they give it back
2 :
no, they are not your friends, they are using you for your money and things. get your things back, buy a baseball bat and smack them the next time they try to "borrow". if you think they are really your friends, ask for your stuff back, then when you get it back, ask to borrow something of theres, and tell them to pay for you next time you go out. if they dont , ditch them. they are vulttures.
3 :
Do you have a paypal account if so I can help you with the problem but my internet is almost over so I will need some money from paypal to help you..
4 :
You works hard for the money So hard for it honey You works hard for the money So you better treat your friends right I come to America too and people at dry cleaner I work at do this too. They say 'it sign of being good friend'. I say keep do it, keep friends, you get them back later when we do evil plan to take over America.
5 :
No its not normal. They are just trying to fool you since u aren't used to the accustoms here and scam your cash.. They are stealing from you and here in the USA stealing is illegal. Its ok if they borrow movies only if they give them back and all but taking ur cash is not right. It ok to give u a loan, but if they are just taking without asking or saying u have to give them your money because that's what friends do here then they are lieing. Just say hey stop taking my money I got to pay bills and i have no money to pay them. So pleas give me the money i worked long and hard for back so i can continue living here. They are not true friends if they are scamming u like that. All they want from you is you money.
6 :
Ro-Sham-Bo with them for the money. You kick them square in the nuts and then they kick you square in the nuts. Repeat this until someone falls over. The one that falls over has to give the money to the other person.


Saturday, July 7, 2012

What is a good investment plan for starters?

What is a good investment plan for starters?
I'll be having $300 that I can set aside every month for savings. I'm currently not living with a partner, but planning to get married in 1-2 years. Therefore I would like to invest the money so that we won't be too tight financially once we start our own household. My partner has also steady savings an an investment account in mutual funds, but he doesn't discuss it a lot and seems like a passive investor. I know my dad invests in mutual funds, but also has stocks and real estate. I really don't know much about investing, but am willing to learn the easier forms of investment to get a feel of it before proceeding to learn riskier things. Before I find out the best type of investment for me, I'll probably just deposit it in a savings account in the bank and hope I make interest from it, but not for too long; my dad says that despite the gain I make from interest I will still lose money due to inflation. What are some forms of investment that I can look into for a start? Would it be wise to diversify, or should I just split between saving and concentrating on one form of investment that works? Are there some websites with easy step-by-step guides for first time investors, and possibly quizzes for determining my options? Are there affordable non-affilitated classes or seminars (i.e. ones that are not organized by or sponsored by investment institutions) that I can look into? I live in Jakarta, Indonesia if that matters. PS. No mention of Robert Kiyosaki / Rich Dad please, that fellow is a con artist who happens to be good at igniting fantasies and empty motivational talk. I won't even consider multilevel marketing or network marketing. Although I have respect for good and honest manufacturers like Amway, I despise their business owner networks and "education system" because it involves a lot of dirty politics and manipulation Big Brother style. I've heard of health insurances which come with an investment plan, like that offered by Prudential, but I don't know how that works out, or if I have to find downlines in order for my money to grow. Thank you for genuine answers which attempt to satisfy my question. Please kindly note that if you advertise businesses and websites here, your answer will be removed and your points will be deducted.
Investing - 5 Answers
Random Answers, Critics, Comments, Opinions :
1 :
300 a month is a nice start, I like to start out the people that I teach with some simple easy to understand strategies. Here is one that your dad can appreciate. It is called dividend capturing. When a company is profitable they either reinvest the profit back into the company or they pass the profits on to the investors in the form of dividends. The nice things about companies that pay out dividends is they are making money. To qualify for a dividend check you need to own the stock on or before the date of record also known as the EX-date. Also you don't have to keep the stock all year just one day to qualify then resell it for what you paid for it or more. It is possible to do this strategy 10-20 times per month if you like and it doesn't take that much time. Another nice thing about dividend paying stocks they tend to be stable and are good companies to hold on to. I know you must be thinking that commissions will eat up your profits but there are online brokers that will only charge you as little as $2.50 per trade. I'm going to give you a link to a blog that has more info on this strategy it is http://moneymakeslifebetter.wordpress.com/2010/08/10/ex-dividend-dates-43-for-august-11th-21-for-august-12th/ In my source there is also a link for some free information on other strategies that maybe helpful.
2 :
Being frank - there is no right answer to your question. the stragetegy of investment depends on the amount of risk u r willing to take / nature of investments / the type of market you are in etc..etc.. Its a big list and you need to do some study before starting to earn some money that would hedge the inflation rates.. However there are few risk free returns like bank deposits , Fd's RD's etc... however - the returns wont be that great. You have to keep in mind this rule always - "Risk and returns are directly corelated" Start learning to study the markets - till then u can leave ur money in Fixed deposits
3 :
Yes, it matters that you're in Jakarta. You don't have access to the Interlibrary Loan system in the US where you can get almost any book for free, or I could give you a hundred titles. You should probably save your money until you have at least a thousand dollars to start, or commissions will be the bigger percentage of your transaction. You sound pretty well educated and level-headed. The best way to learn is from a book. Start with Investing for Dummies and Investing in Stocks for Dummies. It's a good series. Try to develop a plan, learn about risk and money management, then test your plan on a simulator before you risk your money. If you don't want to learn how to invest in stocks, you can always choose a fund or ETF that does it for you. http://www.howthemarketworks.com./ http://www.fool.com/ http://stockmarket.makemoneyideas.in/ http://simulator.investopedia.com/home.aspx (simulator, and finance terms and definitions) http://www.top10traders.com http://investing.sitesled.com/ www.stockcharts.com http://futures.tradingcharts.com/learning/ http://www.fool.com/school/basics/basics... http://beginnersinvest.about.com/library... http://www.mysharetrading.com You asked for a Plan: Here's a good one from the Motley Fool website Unified Theory of Everything Financial Revealed in Dilbert and the Way of the Weasels By Scott Adams 1.Make a will 2.Pay off your credit cards 3.Get term life insurance if you have a family to support 4.Fund your 401k to the maximum 5.Fund your IRA to the maximum 6.Buy a house if you want to live in a house and can afford it 7.Put six months worth of expenses in a money-market account 8.Take whatever money is left over and invest 70% in a stock index fund and 30% in a bond fund through any discount broker and never touch it until retirement 9.If any of this confuses you, or you have something special going on (retirement, college planning, tax issues), hire a fee-based financial planner, not one who charges a percentage of your portfolio Check the bottom line: A portfolio with an asset allocation of 70% in Vanguard's Total Stock Market Index (VTSMX) is doing just fine, performing remarkably close to the S&P 500 index. Moreover, that simple two-fund portfolio is perfect for the vast majority of America's 95 million investors who are passive much as Adam's Dilbert character. The truth is, most investors have little or no interest in Wall Street's casino action; all the time-consuming research, the sophisticated stock-picking tricks, the costly trading necessary to play in a market drowning in 10,000 stocks, 18,000 funds and more than 100,000 bonds. Most investors have jobs and kids as their top priority. Moreover, Dilbert's simple two-fund portfolio compares favorably with our other lazy portfolios.
4 :
Start with a well diversified portfolio consisting fundamentally strong stocks , commodities , precious metals , etc.. So that if one sector dose not do well it will not effect your portfolio...
5 :
Investing money in any good financial instruments which have growth is a good idea.



Sunday, July 1, 2012

I need some favor from moslem people?

I need some favor from moslem people?
So I am not a moslem, but I have some moslem friends, some of them are very smart people, some of them are my professors and advisors back then when I was an undergrad. So I know that moslems are respectable people, just like the others. But it seems that some ignorance from people in Indonesia had caused great trouble for Indonesian internet users. There was a film in YouTube that enraged the moslem community in Indonesia, and as a result, the minister make an extreme and misguided policy, by blocking the entire YouTube, Google, Rapidshare, etc. And in the process using millions of dollars, while lots of people in Indonesia still live in poverty, and uneducated. I know moslems are people who respect knowledge, who had invented algebra in the past, so if you are willing to help, I will need you to do some favor. Please find some way to persuade your brothers in Indonesia, that blocking these network are not going to do any good, while the money can be used to help the poor, most of which are also your moslem brothers and sister. Personally I am not really affected by this blocking. It is mostly your moslem brother and sisters who currently studying to expand their knowledge, which are going to be affected. As Indonesia are mostly moslems. They are going to have a hard time finding materials for their study.
Religion & Spirituality - 6 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Non-fanatic moslems are wonderful people. It is a question of cultural development.
2 :
its MUSLIMS
3 :
First of all Its Muslim. Its funny because you complain about ingnorance.
4 :
you mean muslims?? and the romans where the first to use algebra
5 :
joshhous: The name "Algebra" is Arabic
6 :
The blocking of youtube is more to political then muslims, there alot debate that Gov shouldn't block youtube, it's like killing rat by burning house. The blocking is because youtube don't respect Indonesian Gov,to delete that movie, so Gov feel humiliated and to show the power, Gov block youtube. You still can use public proxy or use google translation to open youtube.