2013년 11월 27일 수요일

About 'finance jobs in dubai'|Graduate work in Dubai







About 'finance jobs in dubai'|Graduate work in Dubai








I               always               had               a               goal               that               I               would               marry,               buy               a               house,               a               couple               of               cars               and               be               able               to               raise               a               family               without               much               effort.

My               parents               did               it               all,               but               they               never               told               me               about               all               the               struggles               and               sacrifices               they               had               made               to               make               it               look               so               effortless.

Now               that               we               are               close               to               retiring,               our               ability               to               retire               comfortably               has               been               influenced               by               many               factors:
               Numerous               moves               from               area               to               area
               We               have               made               20               plus               moves               since               we               were               married,               some               times               from               country               to               country.
               Each               time               you               move,               there               are               relocation               costs               which               must               be               paid.

Also,               you               have               to               decide               what               to               sell,               what               to               keep,               and               then               it               costs               quite               a               bit               for               storage               facilities               as               well               as               shipping               fees.

Each               time               we               moved,               we               had               to               give               up               some               valuable               things               like               furniture,               dishes,               vehicles,               etc.

It               seemed               we               started               over               several               times               outfitting               our               home               with               the               essentials.
               Moving               the               family               costs               you               time               and               money.
               Health               Issues
               One               of               our               moves               was               from               a               South               Pacific               Island               back               to               the               mainland               USA.

This               was               mainly               due               to               health               concerns.

I               was               diagnosed               with               Primary               Biliary               Cirrhosis.

It               was               decided               that               it               would               be               best               monitored               in               the               United               States.

In               the               little               countries               we               lived               in               they               had               social               medicine               which               was               very               inexpensive,               but               you               were               not               assured               a               good               doctor               or               good               medicine.

As               you               are               aware,               good               medical               care               in               the               United               States               is               not               cheap.

Testing               and               treatments               can               run               you               into               the               hundreds               and               thousands               per               month,               especially               if               you               do               not               have               adequate               medical               insurance,               which               is               also               very               expensive.
               You               can               never               predict               what               health               issues               may               arise               for               you               or               your               family               members.
               Education
               When               we               first               got               married,               my               husband               had               his               bachelor's               degree.

I,               on               the               other               hand,               only               had               a               high               school               diploma,               but               had               experience               working               in               a               few               different               areas.

I               finally               got               my               degree               30               years               later,               after               all               of               my               own               children               had               graduated               from               college.

Luckily,               my               husband               finished               his               master's               degree               and               that               qualified               him               for               teaching               in               a               University.

This               gave               me               the               opportunity               to               go               to               school               free.

Also,               our               children               were               able               to               have               half               off               on               their               tuition,               which               has               been               a               great               blessing.
               Get               as               much               education               as               possible               so               you               are               more               qualified               for               the               higher               paying               jobs.
               Salary
               Even               though               my               husband               had               an               advanced               degree,               we               took               a               teaching               job               in               a               third-world               country.

He               wanted               to               help               his               people               and               share               what               he               had               learned.
               I               remember               that               we               made               about               $300               per               month               in               Tonga,               and               that               was               considered               a               good               wage.

We               could               actually               pay               our               rent,               have               money               for               food               and               a               little               extra.
               I               would               not               trade               our               fabulous               experiences               there               for               anything,               and               feel               that               the               experience               itself               was               worth               millions.

But,I               know               it               set               us               back               financially               when               we               finally               did               move               back               to               the               states.

I               know               that               there               are               certain               places               you               can               go               in               the               world               that               pay               wages               that               can               set               you               up               for               the               future.

I               have               friends               that               live               in               Dubai,               and               they               have               done               very               well               there.

Maybe               in               my               next               life!
               Emergencies
               We               did               not               actively               save               a               particular               amount               of               money               each               month               until               we               had               been               married               for               several               years.

It               is               easy               to               look               back               and               say               that               we               should               of               or               could               have               saved,               but               it               seems               that               there               were               always               little               emergencies               that               came               up               which               took               what               money               we               might               have               saved.
               I               remember               two               particular               Christmases               that               we               had               in               third-world               countries.

The               first               one               was               right               after               our               second               child               was               born.

My               husband's               parents               had               been               called               on               an               LDS               mission               to               serve               in               New               Zealand               for               two               years.

His               youngest               sister               was               left               behind               to               live               with               us               while               she               finished               high               school.
               My               husband's               sister               got               very               homesick               for               her               parents,               and               she               begged               us               to               take               her               to               see               them               in               New               Zealand.

We               spent               all               our               savings               to               purchase               tickets               for               my               husband               and               I,               two               tiny               children               and               one               teenager               to               go               to               New               Zealand               from               Tonga.

We               actually               only               had               enough               money               for               one-way               tickets,               so               my               husband               had               to               find               a               job               once               we               got               there               to               earn               our               trip               home               again               (I               know               it               sounds               crazy,               but               we               were               very               young               and               oblivious).

We               lived               with               my               husband's               aunt               in               Auckland,               and               he               worked               in               a               restaurant               washing               pots               and               pans               in               order               to               pay               our               way               back               to               Tonga.

It               was               a               great               experience,               but               financially               draining.
               The               other               Christmas,               we               had               just               moved               to               Samoa               where               my               husband               taught               for               the               Department               of               Education.

My               husband's               brother               came               to               live               with               us               for               a               while,               and               then               he               asked               my               husband               to               pay               his               airfare               to               Hawaii               so               he               could               get               a               job.

It               took               all               of               the               money               we               had               saved               up               until               then               to               purchase               his               ticket.

That               Christmas               we               did               not               have               any               funds               to               purchase               gifts               for               our               three               children               (we               had               added               one               more               by               then).

I               remember               that               our               neighbors               generously               brought               some               gifts               and               food               so               we               could               enjoy               the               holiday.

It               was               very               difficult               and               humbling               for               me.
               My               husband               is               very               generous,               and               his               culture               is               such               that               if               someone               needs               the               money,               you               give               it.

It               seemed               impractical               to               me,               but               I               understood               that               he               had               been               helped               to               get               to               America               and               receive               his               education               by               others,               and               so               he               felt               obligated               to               give               back.
               Investments
               I               never               realized               the               importance               of               investing               some               money               towards               your               retirement               financial               health               until               it               was               almost               too               late.

Now               we               are               in               a               situation               where               my               husband               cannot               retire               at               the               usual               age.

We               would               be               unable               to               live               from               day               to               day               unless               he               works               longer.
               I               remember               trying               out               my               luck               in               the               stock               market               just               about               the               time               when               the               bubble               burst               in               the               90s.

I               would               get               up               very               early               in               the               morning,               since               we               live               in               Hawaii,               and               New               York               was               hours               ahead               of               us.

I               picked               a               few               stocks               that               looked               ready               to               fly,               and               put               my               money               on               them.

Luckily               I               did               not               lose               too               much,               and               the               education               I               gained               was               well               worth               it.

I               found               out               it               was               very               similar               to               gambling               in               Las               Vegas.

Better               to               let               the               experts               control               where               the               money               goes.
               Worrying               about               money               can               either               motivate               or               immobilize               you.

I               have               felt               both.

Anxiety               about               money               is               the               one               issue               that               has               come               between               my               husband               and               I               during               our               marriage.

We               have               had               totally               different               ideas               about               finances,               and               have               had               to               leave               it               out               of               most               of               our               discussions.

I               know               that               this               is               not               very               healthy,               but               it               has               worked               for               us.

Fortunately,               most               of               our               children               have               done               well               financially,               so               if               all               else               fails,               we               can               go               and               live               with               them               (they               have               all               invited               me).I               hope               you               have               learned               something               from               my               financial               experiences               that               will               help               you               in               your               future.






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