Eternal existence

Nicole came over today so I can give her the Thinx panties. I also got her to try on my panty samples. It works out good that she has a need for these panties these days!

I also gave her a silver silicone ring. They look so good. I hope they sell well!

Nicole is a friend that sometimes I dread, sometimes I really appreciate how kind, reliable, and spiritual she is.

I think her car accidents, IUD implant, over bleeding / anemia had made her less smart. I do hope she heals.

Today, I talked to her about my idea of the world. That we are currently this physical being bound by linear time, but in time, we’ll become spiritual beings, not bound by time. And because of how we evolve into 5D beings, we ARE our higher selves. We exist at the “same” time.

To my extreme surprise, she just nodded and said, Yup, you got it.

What.

I’m happy that she thinks the same!

I just emailed her to suggest soap-making, whipped-moisturizer-making and selling on Etsy.

Like I predicted, the men’s soaps are an untapped market and the guy is making around $100K/month!

Noveween 2015

Noveween was quite fun! Thought the era was over with Ty and Cyn split up, but the tradition continued.

I invited 3 people. Matt Astifan, Ryan and his friend Michelle, and they all said yes right away. The day before, I reminded them. Matt said, “Oh, surprisingly it’s actually still in my calendar. No, I can’t go.” Michelle apologized that she got busy and forgot to tell me that she can’t go. Ryan said he is bartending a stagette and will be in touch. He didn’t come. He messaged me at 2:30am asking if the party was still on…

I don’t know what’s up with these people, or, people in general.
Do I come across as boring? So far only one person really wanted to be friends, and it’s Masha. Masha didn’t invite me to anything yet though. She is so busy being pregnant and with her biz.
I guess Aileen did invite me to join a flemenko dance course. Not my thing though.
I made it clear to Matt and fairly clear to Ryan that I wasn’t into them. I think that made my invitations less attractive.
Volleyball too though. Stacy was too busy to be friends. So was everyone else.
Jenice from bouldering was also flakey it seems.
If I were more cool, more fun, more attractive, would that make things different?
Though, even people like Cyndi get rejected.
Even super models get treated badly.
How people treat you is not the way you define your self worth.
Though, I’d still like to optimize a bit.
From now on, I will:
– Communicate well. Let the person know that the invite is exclusive. e.g. I’m only inviting them and 2 other people. Limited space.
– Minimize expectation. That’s a hard one. Doesn’t apply in this case.
– Maintain standards. So be it if they are flakey. I’ll meet someone that is fun and not flakey I’m sure.
Patrick was flakey too. But when I let him know my standard, he got MUCH better. Changed his flight, called me from the airport, came on time.
But for once, I wish someone exceeds my expectation and treats me sincerely.
I think Cyndi does that sometimes.
Anyway, back to the party. I didn’t really invite Norm but his girlfriend had a band performance and he wanted to come.
I told him to buy a costume from Dressew, but somehow he missed the 5:15pm closing time and had no costume. I would’ve told him to stay home, but he already drove to Burnaby. I was annoyed.
He had a stupid costume idea and I had to help him prep. He drove (I should’ve but I put my head thing for my outfit on already) and scratched Mom’s hubcap.
The night before I had talked to him on the phone for 5 hours, but last night I was just so annoyed by him. I was glad that we were no longer together.
It was great to see familiar faces, even though I don’t hang out with them. Amy, Corrina, Marleen, Wes, Ty, Edwin, Devon.
I’d like to hang out with Ty, but he doesn’t seem to have interest in hanging out.
Brodie was happy to see me, but then I introduced him to Norm, and he wasn’t so nice to me anymore. Ugh.
I met an Asian girl Joyce with not very obviously shaved head. She said her and Ty dated briefly but now they are just friends. I think she’s the one that Tyler banged in Cyndi’s room and everyone heard. Her costume was really cool though. She is not bad.
There was also this guy Steve who was quite fun to talk to. He was talking to Norm a lot, which is good. This way Norm wasn’t left out. Actually Joyce seemed interested in Norm too.
The highlight of the night for me was this guy who dressed up as a SWAT (Special Weapons and Tactics) guy. His name is Jackson apparently.
He had a nice body, amazing jawline/cheekbone, and his costume made him extra hot. He was probably at least 35 because he had a bit of wrinkles and his hair was sterling grey. Still, hot.
I’ve met him before, I think at Cyn’s going away. But he ignored me for the most part. He was a bit annoying as I recall. He kept saying how great Wes was, which was kind of pretentious.
But he was different yesterday. Still a bit weird, but much more attractive, and definitely flirty.
He asked me what I was, then came over to hug me. It was so sexual actually. I can’t remember what he said while he hugged me, but I was so turned on that moment.
Then he went away and socialized with everyone else. He poured some drinks for me and his friend while we were in 3 areas of the room, far away.
He pulled out a bunch of meat he had smoked for days, and shared it with everyone. That was nice. I really like generous guys and guys who can cook. So that was a strong 2 points for him. I grabbed a small piece, and didn’t realize I grabbed some of the paper wrapping it too. He took it off with his mouth. So hot.
I think he also mentioned at some point that he liked sci-fi. That’s another +1 point!
Then he went back to socializing on the other side of the room. Twice I think I caught him looking at me and I looked back. It was cute. Been a while since that happened. I was turned on.
He came over once with a breathalyzer, which was his costume party toy. He got everyone to try it at the party. When it was Steve’s turn, Steve was talking about how everyone’s jizz was on it. So when it came my turn, I cleaned it again off Jackson’s shirt. That was my small way of flirting. I was saying how I was bad at blowing…balloons.
When Norm and I were leaving, I said goodbye and hugged everyone. Jackson lifted me up…which again was super hot. But I said No no I have too much crotchless-ness!
I said goodbye to Ty while he made sure I was ok to drive. I saw Jackson looking over at me again. Oh man, I wanted him.
But I was so mega distracted that night. My costume made my head un-turnable. Norm was following me at times which was a bit annoying. I was wondering if Ryan would show up and making sure that he can arrive ok. I wanted to talk to Brodie too.
I guess that’s why I didn’t try harder with Jackson. It wouldn’t have been a good idea to make out with him there…but I could’ve made a bigger effort to talk to him.
When I got home I got so horny thinking about him, and all the flirty things he did. That made the party fun.
I wish I could see him soon and have sex with him….but I don’t think he is on Facebook.
That’s ok. I need to loose some belly fat right now.
I hope I’ll see him again soon.

My Financial Current State and Future Plan

I tallied up my current assets, and I have:

 

Screen Shot 2015-11-07 at 4.15.25 PM

 

Screen Shot 2015-11-07 at 4.33.14 PM

 

Screen Shot 2015-11-07 at 4.36.59 PM

Screen Shot 2015-11-07 at 4.35.58 PM

 

$163,552 + $67,172 + $3769 USD = $234,493  USD ($312,004 CAD)
$11,519 + $1,970 = $13,489 CAD

Current total: $325,493 CAD ($244,630 USD)

Wow!

If I were to invest it all in index funds and get 5% returns, then my monthly income would be $1,356 CAD

That’s pretty good!

Except I won’t invest all of it in index funds. I guess I need to finish the rest of Tony Robbin’s book to know how to allocate my funds.

I know that I need to have $840K for Financial Independence ($50K passive income each year) and $3MM total for Financial Vitality ($150K passive income each year)

I have $325K saved up. By the end of this year I hope to have earned $40K more, reaching $365K. So I just need $475K more to reach Financial Independence. 

I make about $200K per year on one successful product, so if I can have 3 or 4 of these, I’ll be able to do it in 1~2 years.

Cushion, Sport-Brella, Umbrella or towels, and maybe Period Panties.

Also, if I can reach 0.08% returns on investment, then I only need $1.88MM to reach $150K annual passive income (Financial Vitality)!

If I can do $600K per year, then in 3~4 years I can reach Financial Vitality.

So I aim for when I’m 40, I’d have Financial Vitality.

If I can reach 0.08% returns on investment on $4.4MM then I get $350K annual passive income (Financial Freedom)!

It seems attainable!

If I can do $1MM a year from age 40, then by age 45 I’ll have Financial Freedom.

I will need to double my product offerings, diversify my income streams.

 

Money – Master the Game

Summary Chapter 1~13 [6:17:12]

Low cost market-mimicking index funds to out perform 96% of mutual funds and hedge funds

Save 3% fees from mutual funds overhead. Save 80~90%

Broker vs. Fiduciary (unbiased transparent advice, tax deductible)

Like butcher vs. dietician

Roth 401K – pay tax today instead of later

TDF – expensive and volatile (use Vanguard if must)

Annuities – guaranteed lifetime income stream

Structured notes, Cds – Upside without downsides. get 8% average gain. No risk [6:05]

  1. Structured note – a loan to a bank
    • very safe
    • downside protection, get a percentage of the upside
    • or take some of the downside and get more than 100% of upside
    • Can only access via the right fiduciary
    • Canadian banks have the strongest financials

1 million seconds ago is 12 days ago

1 billion seconds ago is 32 years ago

1 trillion seconds ago is 32 thousand years ago

certainty

uncertainty / variety

love and connection

give

lifestyle

significance

Money is a game of emotions.

Clarity is power. Your brain will figure out how to reach your goal.

I’m certain, I promise myself I’ll get there.

My dream: $10 million

Short, Medium, Long Term Goals

Financial Security (About $720,000 in savings needed to generate this)

  • All these paid for forever
    • house $2000
    • utilities $100
    • food $400
    • transportation $300
    • insurance $200

Total monthly is $3000

Total annual is $36,000

Save up at least 6 months of your monthly expenses as your protection/emergency fund ($18,000) Done

Financial Vitality (About $840,000 in savings needed to generate this)

  • Clothing $200/month
  • Entertainment (parties, tickets to things) $200
  • Going out for dinner (10 times a month) $250
  • Gym membership, spas, massages, golf membership $350

Have half of this covered is $1000/2 = $500

Total annual is $6,000, or $12K to cover it in full

So accumulative annual is $42,000

Financial Independence (About $1MM in savings needed to generate this, $3MM for me, Mom, and Dad)

  • No need to work
  • Money works for you. You are the master of it.
  • Work only if you want to

Your annual living costs including taxes

About $50,000

For me, Mom, and Dad, we’ll need approximately 3 times, so $150,000 annually

Multiply your annual by 20x (assuming 5% return assumption)

Financial Freedom (About $8MM in savings needed to generate this)

  • Have a good life style
  • 2 or 3 significant luxuries
  • Can contribute to community too

Travel first class 3 times a year $30,000

Own 3 homes $120,000 mortgage a year

Can contribute to Mom and Dad’s living (mine x 3) $150,000

Donate annually to alopecia community $10,000

Rent a wave machine $10,000

Rent a flying over Canada machine $20,000

Other fancy adventures or toys $10,000

$350,000 a year

So accumulative annual is $400,000 per year

Absolute Financial Freedom (About $15MM in savings needed to generate this)

  • Build an adult theme park (or own a portion of it!) $150,000
  • Build and maintain a dream house $100,000
  • Donate significantly so that has impact $100,000

So accumulative annual is $750,000 per year

What have I concurred and realized? Once seemed difficult but not anymore?

  • Confidence over alopecia!!
  • Monthly income of $20,000!!

Unleash your hunger and desire.

Focus on your desire with laser-like intensity

You win the game of life by living on your own terms, as fully and for as long as you can!