179 - Facing a difficult exam

Facing a very difficult university exam is always grueling. Discovering that, on average, only 5% of participants pass it may be daunting, but this is not a good reason to give up. I wrote "5" and not any other number, because this topic reminded me of an extremely difficult exam I took when I was a student. Less than 5% passed it. Usually, the result of an exam depends on your preparation, but sometimes its just a question of luck. Especially if we are talking about a multiple choice test. The important thing is to stay focused during the exam <s>duration</s> and not think about anything other than what you need to pass it.

Financial Behavior and Financial inclusion

It is interesting that out of the 7 given options in the questionnaire for question No.25, the only option that the respondents did not choose is saving for their children through a savings account in a financial institution. Meaning that even though the financial institutions offer a special account program for kids, the parents do not consider this option.

There is a concern regarding the percentage of respondents that have restructuring debt of 15.6% (question no. 26). This can be a sign of poor/inadequate financial planning regarding their level of indebtedness.

Just a small percentage of people do not have debts. Additionally, 27.6% of people have high levels of debt.

A small percent of the cases have private pension plans; most of the respondents use the INSS retirement plan provided by the government. Secondly, it is disturbing that there is a small percent of cases that do not have any retirement plan.

Out of the total responses, just a few percent of people consider their personal planning as really good or excellent.

12.8% of people are not clients of financial institutions. Even though it is a small percent, it includes respondents that said they do not fulfill financial institutions’ requirements and people that said they do not trust these entities.

From question 31, it is demonstrated that:

o Credits are the most products used products, followed by then payment product, and finally by the saving products. Therefore, people hold more credit products than saving or investing products.

o Respondents do not use more challenging financial products like bonds, shares, portfolios etc.

o Even though there is a percentage of people that know about bonds (22%) and shares (19.5%), none of these respondents have these kinds of products.

Even though financial institutions have been working on providing financial training or advisories, most of the respondents do not even know these institutions have these offerings, and just a few percent have participated in these trainings.

Most of the respondents are between 18 and 39 years old, therefore it is not surprising that 87.2% of respondents use online platforms. There are 2% of respondents between 40 and 50 years (question No.2), consequently there are 2.1% of people that do not know about online platforms (question No.33). Thus, in general there is a probability that people over 40 years old are unable to use these platforms.

Triathlon as the meaning of life

<s>Then</s> When I has 50 years old, my son gave me a road bike. It was a brain explosion.The fact is that as a child I raced a lot on a road bike, but then many years passed during which I stopped doing it. So when I was able to go on the road again, I experienced incredible happiness, despite my advanced age. From that day on, a triathlon burst into my <s>life</s> awareness and turned everything upside down (i discovered triathlons and my life was turned upside down/i discovered a triathlon and it turned everything upside down). Everything changed, I changed my job to free up time for classes, changed my diet and completely gave up alcohol. In 3.5 years, I lost about 20 pounds. <s>of weight</s> (20 pounds of fat), went the full ironman distance, f<s>our halves and ran 7 marathons</s> (7 full marathons and 4 halves) . <s>And</s> Now I'm absolutely happy with these changes, because life has meaning, and now I have a lot of interesting plans and goals for the future. For me, triathlon is not a sport, it is a way of life.

The 271st day of 2019

It's Sunday and these are my plans for today. I've already had eggs for breakfast and after writing this note I'm going to drink tea with a (slice of) pie. Then I will drive to the city center to <s>change</s> (exchange/return) the lights I bought before. After having lunch I'm going to <s>make an order in</s> (tidy up/clean) my new flat. I have to empty the room because workers are going to set up (repair) the ceiling tomorrow. In the evening, as usual, I will watch the TV-show Black Mirror.

Correct this quotation

Dear Alburuuj;

We (would like to )offer you (a price of 2000 per m2) to install the wall tiles in (the) Harmouz villa <s>with cost 2000 per m2</s>

Osaka

I went to Osaka with my friends yesterday.

I live in Yokohama.

Yokohama is 3 hours (from) Osaka by Shinkansen.

We rode (the) shinkansen (at) 6 a.m. so I woke up 4 a.m. We ate breakfast <s>in</s> (on the) shinkansen.

I went to USJ. I like Harry potter.

So, I was happy and excited.

We <s>are</s> (rode) many <s>ride on</s> attractions.

I bought (a) tumbler for my mother.

After that, We stayed at a hotel near USJ.

I ate butaman for breakfast.

We went to (an/the) Aquarium, Doutondori and (the) American village today.

I ate okonomiyaki for lunch.

Osaka is (very famous for its) okonomiyaki <s>very famouse</s>.

We bought souvenirs for my family, coworker and friends.

It was a very nice trip.

Summary of Wimpy kid 1: On Saturday

It was Saturday when Greg slept in as it was the first weekend since starting school. He had nothing to do this day, so he went to his potential (future) ex-best friend <s>in future</s>, Rowley. Greg was totally frustrated <s>from</s> by Rowley for <s>keep</s> (always/constantly) asking Greg to come to his house and(to) play<s>ed</s>. <s>When</s> Greg <s>corrected</s> (asked) him many times to <s>use</s> hang out instead of play(ing) since they are now in middle school. That’s the reason for <s>making</s> Greg’s to try to escape from Rowley all the school week. (That is the reason why Greg tried to avoid Rowley at school all week long). Greg is so sensitive <s>regards</s> (about) his image in front of his school mates.

The first time Greg and Rowley met, (was) when Rowley moved to Greg’s neighborhood. <s>and</s> <s>try</s> (Rowley tried) to make friends with Greg by using these silly tricks like knock knock joke. <s>In </s>despite <s>of</s> Rowley’s <s>annoyed</s> (annoying) behavior, <s>however</s> Greg appreciate(d) his friendship <s>to</s> (and) practice(d) all the tricks that he got <s>on</s>(from) Rowley.

What I do to do save money

Save money is a collection of a few habits that practices every day make a bigger difference in long term.

Let's me explain...

(Saving money is a habit that if you practice it everyday, it will make a big difference in the long term)

(Let me explain)

If you <s>wish</s> want (to) buy something new, do you buy immediately ? Don't <s>did</s> anymore. Think about (it) for 10 seconds <s>before</s>... Believe<s>s</s> <s>in</s> me... you can change your mind.

<s>Get</s> (going) out with friends? Meet <s>all in</s> (at) your home. It's <s>more</s> cheap(er).

Review your <s>billing card</s>(billing statement/bank account/bills) weekly. <s>Kill</s> (Cancel) all monthly subscriptions that you (do not need) <s>used to</s>!

Challenge yourself... Maybe do you don't need to buy a new on-line course to learn a skill <s>new</s> or contract a specialist to do a hard task for you. Trust <s>more</s> <s>in</s> yourself (more)!

Planner your <s>buys</s>(purchases) earlier.

If you have free time, always says yes for new opportunities!