What I Currently Invest In

Hello World,

I don’t know why people are often scared of sharing what they are investing in. Yes, don’t give out the actual manufacturer information for the products you are selling for your business. This makes sense because, other people can copy and the demand for your product will slowly become less. However, you are allowed to share things like stocks and real estates or other ideas that everyone can participate.

I believe in a community system. I like to share and learn. That’s the best way of learning for me. No secrets! You have a question then just ask, you will have an answer if I have the answer. You share your learnings and I share mine and we both grow together.

I currently invest in real estate. I look up properties using Redfin or contact various real estate agent to get listings to find properties I can afford.

In addition, I invest in stocks and ETFs. There is a lot of stocks I invest in but, I made the most money on my Tesla stocks as I bought them early while they were low. I also buy a lot of ETF’s as they pay dividends. The strategy here is to keep investing in dividends and over the cours the dividends will become an income. It’s hard to see the impact if you buy on one or two shares of ETF’s. I would suggest taking an ETF like IShare XDIV and investing a $500, or $1000, each month or year, depending on how much you can put aside. The compunt effect will help you earn a lot more dividends as the time goes by.

Thank you for your incredible support!!!

Twitter: @dilypie

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Up Your Salary – Story Time

Hello World,

We all have financial goals. In order to get to those the first and foremost trick is to getting paid more so you can save and invest and still take care of your investments. Your goal should be to increasing your salary every year. Instead of telling you to upgrade your skills and research on skills that will land you another high paying job or make you more sought after, I will just share a story. I hope this story encourage and motivates you.

I know someone who splurges like no tomorrow. She is eating out at fancy dinners every single day and partying with friends. Just by looking at her social media you would think she is making a waste of her life by spending so much on night outs and expensive products. However, she started off being an accountant analyst at Deloitte, soon she become a senior Deloitte analyst.

She had several accounting jobs in between where she upgraded her skills and picked up on various financial standards that companies to comply with. As you know many companies today quickly need to adapt to the 2020 IFRS standard to avoid legal issues. She adopted these skills set which are desired for most of the multi national companies right now. Soon she became a accounting manager at a large telecommunications company in Canada, which paid her about 90K to 100K.

Within a year of working at that company she networked and went back to Deloitte as a manager and earned 100K to 115K. She stayed with Deloitte for 8 months and then Rakuten picked her up and now she makes 124K per year. She did all this within a span of less than 2 years.

Many of our job situations are dependent on many factors, however, I want this story to motivate you and think about your financial goals. Where do you want to be in the near future with your salary? Are you taking those actions to make the change happen?

Twitter: @dilypie

TikTok: Dlaofficial_ – Check out my latest Niagara falls outing!

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If You Lost Your Job Tomorrow – Is There A Back Up?

Hello World,

Losing your job is a given anxiety / depression topic. You won’t be happy for some time and you a lot of emotions will be running through your mind. You will cry, you will think about your bills, you will start forecasting your future. All this will happen, even if you had a plan.

However, do you have a plan? If you were to lose one income stream today, what would be your back up plan? Is it simply to look for another job? What if there were limited amount of people hiring for your skillset at this pressing times. Would you have to upgrade your job skills in todays pandamic environment.

Have you given that a thought? I have been jobless for 6 months one time of my life and it wasn’t a great feeling! It was hard to find another job. That’s why I decided that I will try my very best to not be close to that situation ever again. I created some back ups. If I have two streams of income. If one stop of my income sources stops then, I have the peace of mind to say that my other income will cover my mortgage. I have properties for rent, if need be I can sell them. I have stocks, bonds, and shares I have invested over the years I can definitely sell.

The best one out of all those is my back up savings that I don’t touch at all and it’s for my rainy days. I always have that as my security for any uncertain changes in my life. Another, is my investment in my skillset. This gives me leverge in the job market. I am definite that I won’t be waiting the span of 6 months to find a job this time around if that were to happen again.

These are small survival hacks, people never think ahead. Sadly, because when they put in so much hard work and come and browse through social media, every ad that comes their way seems lucrative.

Think about how you will create security for yourself!

POSTS

Twitter: @dilypie

TikTok: Dlaofficial_ – Check out my latest Niagara falls outing!

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The Plan is Never Available – Takes Risks!

Hello World,

Isn’t it funny, no one wants to be the first one to take the chance? You always want to be the last one to do it unless you know for sure that you are benefiting from the opportunity.

That’s a safe way to do anything in life, right? Don’t get me wrong, you rather be safe. You rather have money in your bank than gamble it all away. However, you want to take calculated risks too. You want to take low to medium level risks so you see a stable growth.

I am surprised that many people don’t invest in anything, let alone RRSP / Roth IRA. Yes, people don’t invest in RRSP’s / ROTH IRA’s, that’s a mistake at this day and age when so much material on financial literacy is available. You want to be putting money away for when you are older and unable to work like you do today. This money will be taxed but, at a lower amount, hence, you are saving money.

People shy away from research and therefore are afraid of the unknown. Some people want a complete investment plan infront of them, before they can invest in stocks. They want a stock pick list and someone telling them which stocks to invest in. Well, hard truth, that will never happen because, the stock market is volalite. The market will go up and down but, you have to buy and hold some long term stocks. That’s why you need to do your own research. I use to find it excrutiating at first too. But as you start researching and buying stocks, you understand the flow.

Some people have a lot of money in their back or enough for a down payment. But, they are afraid of job security. They don’t want to buy the home thinking they won’t be able to to sell it in the future or rent it out. They even think how much the maintenance cost will be. However, before making that assumption, did this person do their research in the area? How much it rents for? How demanding the area is or let alone, talk to a realtor who may have an easy of option of buying the place back if they want to sell it early.

Isn’t it funny, buying a car for instance, is the worst decision in some cases as there are cost saving alternatives available such as bussing, and uber. However, we don’t think as much before purchasing a car. We think about the convinience. But a car is literally a dent in your pocket. There is car insurance, gas and maintenance–in other words, all expenses. Yet, buying a property, which most people are afraid of doing becuase, of the research, legal work, and the assumed risk–returns an income if you sell it and or rent it out.

People live on assumptions. Their assumption create self doubts for them. They want to follow others footstep but fail to seek out a mentor and resources. I think it’s time we change that and start taking some well calculated risks.

Twitter: @dilypie

TikTok: Dlaofficial_ – Check out my latest Niagara falls outing!

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Everything From a Distance is Scary

Hello World,

Isn’t it true, every big stept or “risk” in life is scary. It can be starting your own business, taking up a new degree, investing in stocks, investing in real estate, investing in a new relationship. All of these investements are scary. These are scary because, all of it involves uncertainty. We are all scared of that word, uncertainty. All of these situations above require your time, money, and effort.

Most of the time people just end up not spending the money. The hoard it. This is not bad, it’s just safe. You are just saving which is not helping you in anyway. You are not adding growth to your money when you are simply holding on to what you already have.

Time is another thing people are afraid to invest. They want to spend time doing things they like, or in comfort…nothing wrong with that however, you need to make some time to spend towards your growth as well.

However, some people really don’t have enough time to invest in multiple goals. It could be a working mother who has to come home after work to take care of children or anyone with anxiety who need a lot of gaps before they can focus on their responsibilities. No matter what you are situation is, you need a plan for growth. A single mother may find it hard to curve out that time after maintaining a household and paying all her bills but, it’s just the idea of ownership. Even if it’s staying up late one day to do some research about career change or the stock market… that time needs to be curved out and that change needs to happen.

Making a change is never easy, even harder is starting that change! How many of you wanted to start a business or wanted to start investing in the stock market and never did it? Trust me, you are probably not speaking up now but, that’s the majority of you.

One of the reasons, motivation speakers are all open with free information and courses is because, they know half of you wouldn’t get up and try to start a business or take that risk. However, you will invest in listening to their success stories.

Everyone is afraid of failure. However, we have to all normalize failure. You try something once and it becomes easier the next time as you are more aware of your mistakes. The first try prepares you for what you should be expecting.

So if you have been waiting to start a small project for your own personal growth then please, please, please share with me your goals and get started today!!

Twitter: @dilypie

TikTok: Dlaofficial_ – Check out my latest Niagara falls outing!

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Self Worth – Not Good Enough!

Hello World,

Story time! This story helped one of my friends struggling with the “not good enough” mindset and I have hope it does the same for you!

My friend was applying to jobs and she has been applying for awhile but, it’s just her line of work that it’s very hard to land a position. However, some of her past coworkers are very lucky and landed the same position quite easily. My friend started becoming quiet. She stopped communicating to her family because, she felt like everyone surrounding her was content and happy, however she was killing their fun by being upset.

She started comparing herself to her past coworkers who have landed the job. She started questioning why struggle, why put in so much hard work when the end result is always back to square one… struggle, pain, and the mental burden of not feeling good enough!

She shared her story with me and I realized wait a minute, I went through the same thing and heck, I still feel that way some days.

As a motivator, the simple answer is, just change your mindset. However, it’s not such a easy shift. When you are feeling those negative emotions and you are the one struggling, it’s really hard to change your perspective. You feel like you are in a routine of unhappy, you put in work, you struggle, you lose a lot of time and it’s a pattern. You are just not happy.

I shared my story with her, and it made sense to her because, I am at a better spot now – which means we are not always going to be in that mental space, things will turn out to be better. I had been in her footsteps before, I use to commute longer than two hours to get to work, there were work politics, work people would over power me, I felt stuck and stagnant, no career growth, no raise. After spending my whole day in that environment, I would come back home communiting those same long hours, having little time for myself. Not only that, one of my family members had a very serious illness for which, our home environment was always full of sadness.

I wasn’t happy at home, and outside of home. This made me go through same questions as my friend, what is the point of all this struggle? It’s all luck anyways! We are all goign to end up dead anyways!

Today, I can self analyze the situation much better! First, it wasn’t so much me, it was just a tough situation to be in. Situations I had no control over. In addition, my life had become a routine of same type of negativity and no growth. This made me stopped being optimistic. I felt there will be no growth.

Hence, the cause of this negative feeling of not good enough,

a. Not having control over the situation,

b. The same pattern and routine in your life,

c. No one is taking the time to tell you that you are actually doing a great job.

But shortly after, I changed my outlook. I changed my mindset. I told myself, if everything is luck at the end then I am going to atleast put in the struggle to acheive my goals. Yes, I might not ever be able to achieve them but at least I can tell myself I tried.

So we have to realize, everything is luck even when you put in work. Putting in work only prepares you for the event but actually getting the opportunity is luck. There might be many obstacles thrown your way, which is also luck! When that happens, you just have to own it. Being able to own all situation is basically what life is.

At a certain point, (or ever)… there will not be a lot of people encouraging you and clapping for you. That’s when you have to take the ownership to say that you will go aheand try and keep trying.

Don’t give up! Love all of you for your support!

Twitter: @dilypie

TikTok: Dlaofficial_ – Check out my latest Niagara falls outing!

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