General Adulthood, Planning for the Future: Business, College, Budgeting, Investments, etc! $$$ - General

[QUOTE=Pascall;52132968]I got a response from KA! They're giving me an opportunity to answer some support scenarios to see how I'd help people in different situations. They're all fairly easy! They gave me a week to work on it but I likely won't even need more than today. I'm super excited aaaa. I really hope I can ace this.[/QUOTE] Best of luck bro!

I scored my first job interview! Tomorrow at 11:30, very excited but also a bit nervous. I hope it goes well!

I just finished high school and I'm not ready for adulthood[B] at all[/B]. It feels like I need another 3 years of school life. I feel like rewinding time and just fix things. What I'm about to write is going to be jumbled up because I'm stressed out but I doubt anyone is going to read. A while ago, I was diagnosed with Adult ADHD. Doing usual things, especially studying, is something that I find pretty impossible. I had a hard time at school and failed many tests. I even had to cheat my way out of some of those tests to avoid the harsher consequences of failing because the schools are pretty tight here. I feel like there's a certain limit on how much I can study before my head literally hurts, and it's happened multiple times now. My parents hired a tutor to help my studies and they thought it would make my grades sky high although in reality the tutor was to make my grades at least just good enough to pass. Though I would have one of those moments where I suddenly able to study and do something, it's pretty rare. So studying academic subjects in college is pretty much going to make me fail. The problem is that I also have issues with studying outside of academic subjects. Such as just learning how society works, game rules, how to do this and that, etc. As a child I love to draw and make stuff and thus I want to go to private school where studying art is more advanced than the public school version. The thing is that I can't improve on my art skills and just like my academic studies, I feel like I've reached my limit, and it's not enough. I've seen and met a lot of kids way younger than me who could program, draw, animate, make music, and all that and they make some amazing things. I can't, because I just can't learn, no matter how much I take courses and try. I don't know how to start like those people do and improve from there. I'm very inferior to many people younger than me who I shouldn't be and I don't know what to do from here. It feels like if I was to catch up to those people, it would take me years to accomplish the slightest of what they can do. I don't know how to drive, cook and do other usual things I'm expected to at this age. I literally have no redeeming features and feel sad because many younger people are better than me in every way. I still haven't been accepted to any colleges. I'm not sure how it works in other countries but in my country there are 2 types of colleges, public school, which is regarded as the best ones because they study engineering, biology, and high-level science, and then there's private school which is easier to get to. To get into public school is harder. Most students study for at least 2 YEARS to prepare and I have no preparation. It's a very heavy competitive exam to apply there. I feel so fucking dumb because I should've known that I could actually sign up and be accepted into private school A YEAR BEFORE and have no problems now. But I messed up and now I have to take the private school test in the last wave and they accept less students now. Even my friend whose rank is the lowest in my school already have been accepted in private school learning IT with a 50% scholarship. Everyone who's trying to apply for public school is stressed as fuck and here I am not even sure that I'll get accepted in private school. Those who applied for public school also applied to private school for backup if they aren't accepted so you know they're easier. Here's the real problem. My father wants me to go to public school. Since both my older brothers did not go to public school, my father demands that I go to public school so at least one of his sons can follow in his steps (and also brag about it). He says that I should just take the test even though I have absolutely no preparation and the chances of me getting accepted is pretty much zero. It's a waste of time since I have no chances anyway. I do want to go to public school and be an engineer or a teacher with an art talent as a side thing, but it's impossible. I don't know where or if I can get work if I manege to finish art school and if I'll be able to make a living. If I were to take private school he said that I should just take one overseas, but I declined because I don't have much experiences on living alone. My parents didn't really remind me of college, driving, making an ID, during my school years and I'm way behind now and so naive about many things. The thing is I could've studied art as a side thing because that's a hobby thing while I'm in public school but I can't do neither. Everyone is disappointed at me for not trying to apply to public school and I myself is worried and depressed and I'm not sure if I get accepted to private school. The private school appliance test is tomorrow and I'm so stressed and scared. If I don't get accepted my parents will disown me because everyone is expected to be accepted there and everyone is expected to get into college and I messed up. I'll lose all my friends as well... I'm not ready at all and I hate myself for being so stupid and naive. I just want it to stop..

College was a couple of years ago, but it took me 2 extra years, especially due to math. Had my own personal tutor as well and he changed my life. I still feel deeply depressed that he's gone. Best friend I ever had.

Can you go to private school getting basic courses while you study up for public school? Similar to the American tactic of going to Community College before University.

[QUOTE=OvB;52136162]Can you go to private school getting basic courses while you study up for public school? Similar to the American tactic of going to Community College before University.[/QUOTE] No, it's either private school or public school. Even if it's possible I won't be able to get into public school since it's very difficult.

Okay, I'm feeling pretty good. Two more buyers in the last two days. I'm up to five buyers and a seller now! If I can guide all of them to closing, that's half of my minimum goal for the year secured in my first month! It really is just as simple as visibility, repetition, and follow-up.

[QUOTE=GoldAssassin;52136023]I just finished high school and I'm not ready for adulthood[B] at all[/B]. It feels like I need another 3 years of school life. I feel like rewinding time and just fix things. What I'm about to write is going to be jumbled up because I'm stressed out but I doubt anyone is going to read. A while ago, I was diagnosed with Adult ADHD. Doing usual things, especially studying, is something that I find pretty impossible. I had a hard time at school and failed many tests. I even had to cheat my way out of some of those tests to avoid the harsher consequences of failing because the schools are pretty tight here. I feel like there's a certain limit on how much I can study before my head literally hurts, and it's happened multiple times now. My parents hired a tutor to help my studies and they thought it would make my grades sky high although in reality the tutor was to make my grades at least just good enough to pass. Though I would have one of those moments where I suddenly able to study and do something, it's pretty rare. So studying academic subjects in college is pretty much going to make me fail. The problem is that I also have issues with studying outside of academic subjects. Such as just learning how society works, game rules, how to do this and that, etc. As a child I love to draw and make stuff and thus I want to go to private school where studying art is more advanced than the public school version. The thing is that I can't improve on my art skills and just like my academic studies, I feel like I've reached my limit, and it's not enough. I've seen and met a lot of kids way younger than me who could program, draw, animate, make music, and all that and they make some amazing things. I can't, because I just can't learn, no matter how much I take courses and try. I don't know how to start like those people do and improve from there. I'm very inferior to many people younger than me who I shouldn't be and I don't know what to do from here. It feels like if I was to catch up to those people, it would take me years to accomplish the slightest of what they can do. I don't know how to drive, cook and do other usual things I'm expected to at this age. I literally have no redeeming features and feel sad because many younger people are better than me in every way. I still haven't been accepted to any colleges. I'm not sure how it works in other countries but in my country there are 2 types of colleges, public school, which is regarded as the best ones because they study engineering, biology, and high-level science, and then there's private school which is easier to get to. To get into public school is harder. Most students study for at least 2 YEARS to prepare and I have no preparation. It's a very heavy competitive exam to apply there. I feel so fucking dumb because I should've known that I could actually sign up and be accepted into private school A YEAR BEFORE and have no problems now. But I messed up and now I have to take the private school test in the last batch and they accept less students now. Even my friend whose rank is the lowest in my school already have been accepted in private school learning IT with a 50% scholarship. Everyone who's trying to apply for public school is stressed as fuck and here I am not even sure that I'll get accepted in private school. Those who applied for public school also applied to private school for backup if they aren't accepted so you know they're easier. Here's the real problem. My father wants me to go to public school. Since both my older brothers did not go to public school, my father demands that I go to public school so at least one of his sons can follow in his steps (and also brag about it). He says that I should just take the test even though I have absolutely no preparation and the chances of me getting accepted is pretty much zero. It's a waste of time since I have no chances anyway. I do want to go to public school and be an engineer or a teacher with an art talent as a side thing, but it's impossible. I don't know where or if I can get work if I manege to finish art school and if I'll be able to make a living. If I were to take private school he said that I should just take one overseas, but I declined because I don't have much experiences on living alone. My parents didn't really remind me of college, driving, making an ID, during my school years and I'm way behind now and so naive about many things. The thing is I could've studied art as a side thing because that's a hobby thing while I'm in public school but I can't do neither. Everyone is disappointed at me for not trying to apply to public school and I myself is worried and depressed and I'm not sure if I get accepted to private school. The private school appliance test is tomorrow and I'm so stressed and scared. If I don't get accepted my parents will disown me because everyone is expected to be accepted there and I messed up. I'm not ready at all and I hate myself for being so stupid and naive. I just want it to stop..[/QUOTE] Your father's role in your life is to support you in [I]your[/I] decisions. [B][I][U]Not[/U][/I][/B] live his fantasies through you. Doing that sets you up for further bullshit down the road - first it's public college, then it's a "high paying job", then it's "a pretty wife who is virtuous", then "perfect grandchildren". Don't give in to this shit just to stroke an old man's ego because (and I do want to apologize about the bluntness) he will shuffle off this mortal coil a lot sooner than you will. This is your life and your decision. As for the "other people being disappointed"? Fuck 'em. You don't need their pity or take into consideration how they feel. I speak from the view of experience myself - in India, it's almost a given that children will ace their board exams, then go do engineering, then go through campus recruitment and will get a nice salary and, if their little goblins put their heads down and work hard enough, they'll get to go "onsite" i.e. US/UK/anywhere but India, just so parents can brag about "Oh, my son? Oh yes, he's currently on assignment in Texas, you know....in the USA?" With a marked sneer. I didn't choose that path - I opted, instead, to be an animator. The amount of shit I got for this was astounding. But my parents backed me all the way, supported my decision and in turn, I didn't let them down. I earned scholarships and finally ended up in the UK for two years.Then, after 5 years of working my ass off and seeing the world myself (much to the annoyance of relatives who thought I wouldn't amount to much as a "boy in the arts stream") I'm now fucking moving, [I]on my own merit[/I], as a highly skilled worker to Canada. The point is - nobody knows shit about the future, let alone yours. Stop buying into that crap. What's really important here is what your skills are and how much faith you have in them. So go forth, kick ass, do whatever the fuck you want to do with the skills you can count on, because you only have one shot at this life - make it count and don't waste time worrying about things. It just makes you feel worse and you've still not [I]done[/I] anything. Go, [I]do things.[/I] Good luck with your test and remember : Do not let other people dictate what you are capable of as a person. That's on you.

[QUOTE=GoldAssassin;52136172]No, it's either private school or public school. Even if it's possible I won't be able to get into public school since it's very difficult.[/QUOTE] I'm sorry if this comes across as ignorant, but could you see yourself in a non-academic career field? We all have different strengths and weaknesses. If dedicated study is very difficult for you, then what about a skilled trade, sales position, etc? Real estate here, for example, is so popular among middle aged housewives because it doesn't require much in the way of education or training to do very well in. People are able to jump into it in a the middle of their lives with minimal preparation. Ifou're capable of talking to people, you can succeed in it. I'm not saying you should do real estate, necessarily, but surely there are career paths you can pursue that don't have steep education requirements?

[QUOTE=snookypookums;52136202]Your father's role in your life is to support you in [I]your[/I] decisions. [B][I][U]Not[/U][/I][/B] live his fantasies through you. Doing that sets you up for further bullshit down the road - first it's public college, then it's a "high paying job", then it's "a pretty wife who is virtuous", then "perfect grandchildren". Don't give in to this shit just to stroke an old man's ego because (and I do want to apologize about the bluntness) he will shuffle off this mortal coil a lot sooner than you will. This is your life and your decision. As for the "other people being disappointed"? Fuck 'em. You don't need their pity or take into consideration how they feel. I speak from the view of experience myself - in India, it's almost a given that children will ace their board exams, then go do engineering, then go through campus recruitment and will get a nice salary and, if their little goblins put their heads down and work hard enough, they'll get to go "onsite" i.e. US/UK/anywhere but India, just so parents can brag about "Oh, my son? Oh yes, he's currently on assignment in Texas, you know....in the USA?" With a marked sneer. I didn't choose that path - I opted, instead, to be an animator. The amount of shit I got for this was astounding. But my parents backed me all the way, supported my decision and in turn, I didn't let them down. I earned scholarships and finally ended up in the UK for two years.Then, after 5 years of working my ass off and seeing the world myself (much to the annoyance of relatives who thought I wouldn't amount to much as a "boy in the arts stream") I'm now fucking moving, [I]on my own merit[/I], as a highly skilled worker to Canada. The point is - nobody knows shit about the future, let alone yours. Stop buying into that crap. What's really important here is what your skills are and how much faith you have in them. So go forth, kick ass, do whatever the fuck you want to do with the skills you can count on, because you only have one shot at this life - make it count and don't waste time worrying about things. It just makes you feel worse and you've still not [I]done[/I] anything. Go, [I]do things.[/I] Good luck with your test and remember : Do not let other people dictate what you are capable of as a person. That's on you.[/QUOTE] But then my parents wouldn't support me financially. I don't even know if I will pass, get a job in a good company and have a steady income. [QUOTE=Big Dumb American;52136205]I'm sorry if this comes across as ignorant, but could you see yourself in a non-academic career field? We all have different strengths and weaknesses. If dedicated study is very difficult for you, then what about a skilled trade, sales position, etc? Real estate here, for example, is so popular among middle aged housewives because it doesn't require much in the way of education or training to do very well in. If you're capable of talking to people, you can succeed in it.[/QUOTE]I have absolutely [B]no[/B] idea in trading, marketing and all that. I don't even know where to start or if it's a main source of income. I wouldn't enjoy doing it because it's not my area of expertise. Besides I can't speak normally with other people. Even then art school is also pretty competitive and I'm scared because I'm not good at it either and I know people who enter there aren't completely clueless and are there to enjoy their already good talent and can do amazing things that I can never do. I've seen many kids younger than me able to do many amazing things while I can't even do a bit of what they can do and I don't know how to get on their level ever.

[QUOTE=snookypookums;52136202]-text-[/QUOTE] I love you

Job interview went well. I have orientation on the 6th of May. Yay!

[QUOTE=GoldAssassin;52136264]But then my parents wouldn't support me financially. I don't even know if I will pass, get a job in a good company and have a steady income. I have absolutely [B]no[/B] idea in trading, marketing and all that. I don't even know where to start or if it's a main source of income. I wouldn't enjoy doing it because it's not my area of expertise. Besides I can't speak normally with other people. Even then art school is also pretty competitive and I'm scared because I'm not good at it either and I know people who enter there aren't completely clueless and are there to enjoy their already good talent and can do amazing things that I can never do. I've seen many kids younger than me able to do many amazing things while I can't even do a bit of what they can do and I don't know how to get on their level ever.[/QUOTE] Just to clarify, a skilled trade isn't something like marketing or stock trading. I'm talking carpenters, electricians, mechanics, etc. These are jobs that you can learn through apprenticeships and/or technical schools. They tend to pay pretty well, and you can learn skills that will carry you through life and open up opportunities.

[QUOTE=GoldAssassin;52136264]But then my parents wouldn't support me financially. I don't even know if I will pass, get a job in a good company and have a steady income.[/QUOTE] So take what you can get and work from there. Do you know what my first job was in the UK after graduating with a Masters degree in animation? I worked for two months in retail, at Boots. Barely had money to pay for rent, I survived. You can, too. The stuff you talk about up there isn't a part of a formulated master plan - it's a byproduct of hard work and what you see in your minds eye will not necessarily reflect any of those things. Ask your brothers for help if things get too hard, considering they were the first ones to buck against his desires to see a son graduate from public school. Take it, use it and get ahead. [QUOTE]I have absolutely no idea in trading, marketing and all that. I don't even know where to start or if it's a main source of income. I wouldn't enjoy doing it because it's not my area of expertise. Besides I can't speak normally with other people. Even then art school is also pretty competitive and I'm scared because I'm not good at it either and I know people who enter there aren't completely clueless and are there to enjoy their already good talent and can do amazing things that I can never do. I've seen many kids younger than me able to do many amazing things while I can't even do a bit of what they can do and I don't know how to get on their level ever.[/QUOTE] Here's a difficult truth - by comparing yourself to others [I]who put in the motherfucking hours[/I], you have little to gain if you don't put anything in the pot. After all, what incentive does a fat man have to get off the couch if he knows he'll never win the Olympic gold or be as fast as Usain Bolt? He only knows one basic truth - if he does not become the change, he will not see it for himself. He will continue to be fat and mourn his condition. Or, he can get up and go for a walk, sweat a little. Then go do the same thing the next day. Then use smaller plates for his meals. Be pro-active about changing and cultivating the discipline to fulfill his goal. Put in the hours, use the talent of others as a benchmark. Work towards it and be singleminded in your pursuit. Talk to the ones who are better skilled at you, ask them to teach you. Learn, absorb and keep moving forward. Stop wallowing in self-pity and mourning your mediocrity. Nobody gives a shit about crap like that, just you. Nobody's going to feel sorry for the guy who quit and walked away. Cultivate the discipline to face your problems and conquer them. Art school is going to be competitive because art is a competitive field. Your pieces of paper degree are worth nothing if your portfolio is shite. Your portfolio is going to be the representation of who [I]you are[/I] to the professional world. Nothing but your best work goes in there. There are always going to be a lot of folks out there jockeying for the same positions, same things as you in life - the question is, how badly do you want it? If the answer to this is "very", then work your butt off to make it happen.

A lot of those jobs pay better than a 4 year degree office job. They just lack the glamour and cultural perception that a college degree gets you.

So turns out I'll actually probably be graduating in a year (providing I don't fail any classes). I'm surprised, thought I'd have to tack another year onto my undergrad, but I'll be done in 4.

I'm super nervous about this Khan Academy job. It's so perfect and I'm like barfing every time I get an e-mail lol. I had people look over my answers to their scenarios and help me with critique n' stuff so I'm REALLY hoping they were clear and concise.

[QUOTE=Pascall;52136727]I'm super nervous about this Khan Academy job. It's so perfect and I'm like barfing every time I get an e-mail lol. I had people look over my answers to their scenarios and help me with critique n' stuff so I'm REALLY hoping they were clear and concise.[/QUOTE] Good luck, Pascall! If you need any extra eyes, I can take a peek too. :)

I can send them your way! I already sent the e-mail in reply because I wanted them to know that I have a very quick turn around time for my work, but if you wanna peep at them anyway, you can~

I've always seen this thread but never actually read it or posted in it because I never really felt like I would have an desicions to make in my life at the time, with how controlling my family had been. I've recently begun living on my own, cooking for myself, got a job to carry me through uni, and I'm about to get my degree this summer. It's really hard and I've never felt like I've been ready for this but I'm getting by. I've been reading through a tiny bit and it's interesting to see BDA working in real estate, if I had to guess I wouldn't definitely guessed he was an educator, considering his posts have always been so insightful and high quality for me. What's shocked me even more is that he's struggling, but I'm glad to hear you're making real progress as of recently BDA! Anyway, is there any real advice you guys could have about personal finance? I've essentially just started making money that is mine instead of for my family and I'm completely unsure what to do with it. I've always been told 'save it,' so what's what I've been doing, but with you all talking about stocks, funds, separate accounts, and that like I've been thinking I know very little about what I'm doing. I've also never even used a credit card, everything's always been debit because the fear of credit card debt was driven into me as a child. Anyway, if any of you have any advice that would help I would appreciate it a lot.

[QUOTE=GoldAssassin;52136023]Text[/QUOTE] Dude, take it easy. First of all, do YOU want to go to college? I don't know a whole lot about Indonesia but there are trades in every country you could pick up and IMO you shouldn't go to college unless you really want to become something specific. You talk about being grown up but let me tell you something, I'm 24 years old and I only started to feel "grown up" a little more than a year ago. The single most important life lesson I have learned so far is to put yourself first. I understand that what your parents think are very important to you but what you think matters more because you are the one that is going to live with the choices you make. Secondly, all those things you said you suck at you can learn even though you have ADHD. It will just take extra work but you can do it. And don't compare yourself to other people. Be the best you that you can be. We are not born genetically, socially or economically equal and it doesn't fucking matter. The point of life is to be happy living it and that means different things to different people. You just have to ask yourself what you want out of life and then go after it. I think your biggest problem is that you don't realize your own potential and value. You are a young person who has made it through high school. You are smart enough and have the potential to go out and build a great life for yourself, you just have to believe in yourself. I recommend doing some daily mental training.

[QUOTE=ForgottenKane;52137042]I've always seen this thread but never actually read it or posted in it because I never really felt like I would have an desicions to make in my life at the time, with how controlling my family had been. I've recently begun living on my own, cooking for myself, got a job to carry me through uni, and I'm about to get my degree this summer. It's really hard and I've never felt like I've been ready for this but I'm getting by. I've been reading through a tiny bit and it's interesting to see BDA working in real estate, if I had to guess I wouldn't definitely guessed he was an educator, considering his posts have always been so insightful and high quality for me. What's shocked me even more is that he's struggling, but I'm glad to hear you're making real progress as of recently BDA! Anyway, is there any real advice you guys could have about personal finance? I've essentially just started making money that is mine instead of for my family and I'm completely unsure what to do with it. I've always been told 'save it,' so what's what I've been doing, but with you all talking about stocks, funds, separate accounts, and that like I've been thinking I know very little about what I'm doing. I've also never even used a credit card, everything's always been debit because the fear of credit card debt was driven into me as a child. Anyway, if any of you have any advice that would help I would appreciate it a lot.[/QUOTE] personal finance rule 1 debt isn't necessarily bad (and as you live in the US basically mandatory)

[QUOTE=LordCrypto;52138415]personal finance rule 1 debt isn't necessarily bad (and as you live in the US basically mandatory)[/QUOTE] More like the rule of Finance is debt is good except when it isn't (when you can't pay it back). The business and government financial world runs on debt.

[QUOTE=OvB;52138498]More like the rule of Finance is debt is good except when it isn't (when you can't pay it back). The business and government financial world runs on debt.[/QUOTE] Agreed - the fundamental principle behind "free credit" is that it's [I]not[/I] free - it's more like spotting you for cash when you've left your wallet at home and can easily repay it back. [I]Not[/I] "FREE MONEY???!?!1? Neon orange Lambo here I come, aww yea sweet jeesus" :v: So basically, borrow a little cash to pay something upfront, pay it off immediately and next time, the banks are going to look at you and go "Hey, that dude tends to be pretty responsible with his cash. I think I can trust him if he asks for a slightly larger amount of money next time." and so it continues from there. Do that often enough, and when the time comes for you to make a really big ask, like for something you couldn't possibly pay upfront - like a house, for example - you'll have an easier time getting a loan. Heck, some banks even offer you better repayment terms if you have better credit because they like customers with good credit.

Do you guys think I could land in Mtl with two months rent and have a job within the month? I'm looking to do part time freelance stuff with bartending so I can be more involved with people and get better at French.

if you are moving to canada to learn french that is a bad idea if you want to learn a language there you should try learning french canadian instead

[QUOTE=thrawn2787;52155711]if you are moving to canada to learn french that is a bad idea if you want to learn a language there you should try learning french canadian instead[/QUOTE] I agree. However, at this point in preparation for my own landing, I have decided to focus more on learning the French that matters. For instance: "Bonjour/Bonsoir/Bienvenue/a bientot" (I know I forgot the accents, I cannot into accents on my keyboard) "Je m'appelle snookypookums" "Où est la poutine?" <- This one is crucial really, I could die of starvation which is worse than dying cold.

anyone ever taken the GRE? i've decided i want to go to CMU to get my masters and i was wondering if i could get some tips. i'm getting a GRE study book from my friend and i'm looking up good online resources. i'll probably take the entire summer to study and take in in august

[QUOTE=snookypookums;52155794]I agree. However, at this point in preparation for my own landing, I have decided to focus more on learning the French that matters. For instance: "Bonjour/Bonsoir/Bienvenue/a bientot" (I know I forgot the accents, I cannot into accents on my keyboard) "Je m'appelle snookypookums" "Où est la poutine?" <- This one is crucial really, I could die of starvation which is worse than dying cold.[/QUOTE] Just don't forget [media]https://www.youtube.com/watch?v=a69toGGjoO0[/media]

So uh, I was told that this would be a good place to ask for help in terms of making a CV that isn't awful since I have no idea what to do. [URL="http://i.imgur.com/rUCMXik.png"]Here is my current CV[/URL] As you can see in the image, it was for a position at Cex and I had to rely on my Mother helping me to write it cause I have no experience with this kind of stuff. Feel free to say whatever, I'm open to any help.