December 2013 Archives

Lightbringer

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As I found out late last night that I wasn't scheduled to go in for work today, on this last day of 2013, I kept busy at home.

My neighbor came ringing because he had noticed two roof tiles had come off during a rather intense storm a couple of days ago. I hadn't even spotted it! Luckily, I had invested in a long ladder a while ago, so putting them back into place was pretty straightforward. Even better is that the neighbor offered to do that for me :)

As that was taken care of, I decided to check if any water had found it's way through the holes during the past rainy days, so I headed to the attic. No obvious water damage to be found, luckily, but I did notice that in one of the rooms of the (for now unused) attic there was no light, yet electrical cable clearly was available.

Taking into account that I decided to finally put up a light fixture in the kitchen as well - I could have done so ages ago, but always found more fun things to do - I tackled both today. While working the lighting, I ran two loads of laundry, since that needed no further input from me. I've got light in the attic now, and then fixture in the kitchen is also installed and working fine. I did find out however, that none of the bulbs I had at home fits, and heading off to the shop, didn't really remedy the issue, lol. I managed to buy more sizes that don't fit :) There's definitely no waste though, as they'll fit in other fixtures.

That leaves me with one last thing to do : Wish you the best and may 2014 bring you the ability to look at problems with an open mind, roam as a free spirit and live your life the way you like. Health and prosperity for all, you reap what you sow.

Happy 2014!

Reflections

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A while ago, I was telling someone how I invested in an organization that offers micro credit to new entrepreneurs or small businesses, often based in third world countries. These starting companies either lack access to mainstream bank funding, are considered too high of a risk, or are being developed in countries with an unstable political climate or society.

One of the responses I got was "Invested? That means you want to get a profit out of it too? You should just give your money to support them, if you care about the cause.", which I found rather bizarre. I wasn't in the mood to discuss it any further at the time, but I've been thinking about it nevertheless.

Let's see what the pro's and con's of a couple of options are, shall we?

Option 1 : put the same amount in a savings account.
Option 2 : invest the same amount into different mainstream stocks/stock market
Option 3 : invest the same amount in this micro credit organization
Option 4 : donate the same amount to a non-profit organization

Option 1
Pro : 1.85% gain/year (average inflation 2013 : 1.13%.) Net result : +0.72%/year
Pro : money available at all times (though that would severely impact yearly return)
Pro : rather safe, probably no risk for losses
Con : bank uses money to invest in various stocks and trades, of which some are certainly unethical.

Option 2
Pro : higher gains possible, the sky is the limit
Cons : 100% loss is absolutely possible
Cons : Time needed for research, needs regular fine tuning and follow up
Cons : Possible unethical investment if incorrectly researched, or hunting for highest ROI

Option 3
Pro : Invest in ethical organization and funding of those who need it most
Pro : Organization which has been in business for 20 years, of which the last 16 years with positive returns
Pro : yearly return of 3.35% to 4% (based on last 5 years, no guarantees). Net result : +2.22%/year (taking inflation rate into account)
Pro : one time tax benefit of 5% on invested amount
Pro : returns allow for other investments to be done or own life to be improved
Cons : 0%/year return is possible
Cons : 100% loss is possible, though highly unlikely
Cons : stock can only be sold first 6 months of year (less liquidity)

Option 4
Pro : Invest in ethical organization and funding of those who need it most
Cons : amount is no longer available for other investments
Cons : 100% loss is implied (it's a gift)
Cons : organization needs not "answer" to stock holders regarding projects and attribution of funds

Hence, why I decided to "invest" instead of making a gift. Agree? Don't agree? Feel free to let me know, I may have missed some valuable insights or points. I'd be happy to hear about them.

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This page is an archive of entries from December 2013 listed from newest to oldest.

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