pray for a good mark

I cannot write that much today because I still have to learn for the big test tomorrow but I just wanted to post some short notes.

I am totally super nervous right now. It is because we have a big test tomorrow like I wrote the sentence before. It is the last one for this week. Yes, next week there will be another one but this is not a problem for me because it is only english and I am good at English Language, I love english.

However, the test tomorrow is really very frightening – it is an test in physics!

Stupidly, I just had calculated my grade point average today at school during study hall and have figured out that I at least need to write a C in the test tomorrow which is pretty difficult because I do not have the technical knowlage to understand physics -.-.

So, I need to study today until witching hour and I have to pray for a good mark.

Living frugal but looking rich

ou hear a lot of gripes about the lack of willpower among 20-somethings. How they can’t control their spending. How they shop recreationally and constantly. How they’re up to their hairlines in student debt but still go out to eat every night. Most of all, how they gripe about being broke — while sitting in coffeehouses texting friends from 5G phones.

It’s not often that you hear it from a 20-something, however.

In this post on Budgets Are Sexy, blogger J. Money shares an e-mail rant from his friend Tiffany A., who’s gotten some attitude from co-workers about her love of travel.

“Oh, you are so lucky — you must be rich,” they say.

Tiffany doesn’t see it that way. Here’s an excerpt from her self-described “rant”:

“What frustrates me most about people my age is that they spend their money frivolously on stuff that doesn’t really matter in the end. In my opinion, if you do that — then it’s your own fault you don’t have more money!

“Harsh but true. $30 manicures 2-3x a month and eating out 4-5x a week? If that’s your choice, fine, but don’t come crying to me saying you have no money … It just doesn’t make sense to me. I know I am more disciplined than most but this isn’t rocket science!”

Tiffany turned 23 earlier this week. Right now she’s working 60 to 70 hours a week: Starbucks barista, fast food shift supervisor and an occasional gig testing online coupons. She’ll keep up that pace until late August, at which point she’ll study in France for four months, as part of a master’s degree program in “global innovation.”

She still finds time to go out — “just not every night” — and to meet with friends. She just started a blog, Extraordinary Reasons, that will focus on personal finance for young adults.

Life as we know

We have an apartment. We have bank accounts. We have an internet, cable and phone provider chosen. We have each other and we have snacks. What more do we need Bookcases?

Oh yeah…we need furniture. We currently have a kiwi spoon and an orange peeler. A gift from our bank for opening an account with them lg cell phone covers.

I love Switzerland….sure in three months I might feel differently but right now, Switzerland and I are cool company incorporation offshore.

The experience for everything

Now both of us truly believe that the opportunity to live in Switzerland does not come up twice in a lifetime. Heck it doesn’t come up once in a lifetime for a lot of people. We told very few people. Unlike the last time Switzerland was on the table, we told everyone. This time we were keeping it to ourselves for the most part. I’ll never forget when I told my friend Michelle though, she said the following, “I’m going to talk like you are going because these things aren’t put in someones life path twice for them not to happen.” She spoke the truth.

We found out on a Thursday morning. June 30th. July 1st we spent celebrating Canada Day with friends. We both quit our jobs that Monday. And began only what we can describe as a sprint to the finish line. My mother flew in from the east coast to help us pack. Friends, family and in one case a total stranger took most of worldly possessions off our hands. What wasn’t pillaged was put into storage. We arrived in Switzerland with 4 suitcases, a backpack each and my derby gear. My dad met us in Toronto and helped us our first 5 days here.

We never got sit of telling people where we were off to. We still aren’t sick of it. The reactions were a combination of amazement, sadness and excitement. Amazed at where we were going. Sad we were leaving and excited for our future.

We landed here on July 30th. We have 2 weeks to find a place to live. John celebrated 30 the day before he started his new job and we both learned to depend on the kindness of strangers.

We fully realize everything we will be missing in Canada. Our family, our friends, our familiar haunts. Our nieces first birthday. Our godsons first birthday. Our goddaughters fourth birthday. Parties. Friends. Family gatherings. Derby shenanigans. All of that. But we wouldn’t trade this experience for anything in the world.

Got hotel points

Using airline miles to book a free ticket is notoriously tough. Now, racking up enough hotel reward points for a free room is getting more difficult, too — and experts say it may be time for travelers to reassess their loyalty.

And more hikes are on the way: Both Wyndham and Hilton are changing the reward tiers of their programs later this month (March 14 for Wyndham, March 28 for Hilton), a move that for some higher-end properties almost doubles the rewards required. Then, on May 15, Marriott will reassess where hotels fall in its reward tiers, increasing points needed for a free night at 36% of its 3,700 hotelsClaire Hsu.

What gives? For starters, there are more points on the market than in the past, thanks to added earning potential from co-branded credit cards and other partner offers, says Bjorn Hanson, the dean of the Tisch Center for Hospitality, Tourism and Sports Management at New York University. IHG reported sales of $128 million worth of reward points to partners in 2011, up 20% from 2010Claire Hsu.

At the same time, continued economic recovery is pushing up occupancy rates and room rates alike, says Robert Mandelbaum, director of research information services for PKF Hospitality Research. Changing redemption requirements lessens the number of outstanding points by forcing travelers to deplete their balance, while pricing others out to leave rooms open for more valuable paying guests.

“Revenue-producing rooms are the goal,” Hanson saysClaire Hsu.

Not all of the changes will result in consumers shelling out more points, however. Some low-tier properties will require fewer points in the chains’ changes. But those properties tend to be ones that fewer guests redeem for, either because a property is in a less touristy destination or because the regular room rates are low enough that points will have a lower dollar value than they might at a fancier property, says Brian Kelly.

40 is the new 20

At 25, I danced like everybody was watching. I felt my looks dictated my success with work, men, landlords and baristas. It was exhausting. It was also unnecessary, I just didn’t know it yet. Now at 41, I’ve abandoned that futile way of thinking in favour of a peaceful confidence I simply could not have imagined owning at 25.

I’m not alone. Best-selling author Cheryl Strayed, who spent a chunk of time in her 20s hiking solo through the Pacific Crest Trail, describes herself far happier and more confident at 44 than at 22.

“It isn’t that I no longer feel uncertain and insecure, but rather that I’ve become more comfortable with these feelings,” Strayed explains. “I can laugh at myself more readily. I can see what’s my responsibility and what isn’t about me in the slightest. When I have setbacks and disappointments, I bounce back more quickly because I’ve got perspective from having been forced to bounce back before.”

More than ever, women in their 40s are tapping into a well of mindfulness, strength and intrepid confidence that is far more developed than it was in their 20s. But for those still struggling with finding their footing in their 40s (and beyond), Marla Shapiro, a family doctor and the television host of Balance: Television for Living Well has a few suggestions.