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Sunday, 5 January 2014

2013 Year in Review / Goals for 2014

Happy 2014 and welcome to my 2013 Year in Review. 2013 was without a doubt the most challenging year of my life. To start off on a very personal note, over the year I began to learn what life would be like from now on without a mother and it is not a happy situation. I had kept myself occupied for a number of months with a hopeful relationship but as that ended abruptly in early 2013 I was revisited again with the sadness, fear, and depression that comes with the death of a loved one. I had focused all of my emotion and hopefulness into the relationship and when it fell apart so did everything else it seemed like.

On the financial side I achieved two goals of topping up my TFSA and transferring my RRSP into e-series funds, but I also failed miserably at the more important goal of finding a career path. To say that I lacked motivation this year would be an enormous understatement. The one aspect that I am pleased with is that I finally enrolled in and passed the Canadian Securities Course in May. I have been asking myself whether a job in finance is what I want to strive for and doing the CSC has made me a little more hopeful that it might be the right direction for me.

In late September I travelled to Asia for two and a half weeks and loved it, but also spent quite a bit of money and dented what would have been a more substantial increase to my net worth over the year. Early in January I also started my Invisalign dental treatment and I am happy to say that I am now almost finished and not hiding my smile anymore. Invisalign has also set me back a bit as my work coverage paid only 60%, though I am still grateful.

Goals from 2013
  • move ING RRSP to TD e-series PASSED
  • find a new job and one that is a career starter FAILED
  • if new job - find new apartment (better location and amenities) FAILED
  • relationship FAILED
  • improve fitness to the next level PASSED - averaging 25hr's of cardio per month and reached a new personal best on the Grouse Grind of 45:55.
  • be more sociable PASSED
  • improve wardrobe FAILED

Net Worth
Jan 1, 2013

Jan 1, 2014
Gain: +13.22% or $4,406.87

Once again my goals for the new year are mostly unexciting.

New goals for 2014
-top up TFSA by $5,500
-try to increase monthly savings somehow
-invest in my first individual stock apart from my employer's shares
-reach the $100 payout level from Google Adsense (this has been a very old dream)
-START A CAREER - take any courses that might help

-continue to improve fitness - push to 30hr's of cardio per month + Grouse Grind time under 45 minutes.
-improve sociability and confidence
-finally improve wardrobe to the point where I am comfortable in my clothes and appearance
-read more books, esp. finance related

I will end this post just as I did last year by sharing a few quotes, but this time from probably my favourite author Bertard Russell.

On work:

"All serious success in work depends upon some genuine interest in the material with which the work is concerned.

Without self-respect genuine happiness is scarcely possible. And the man who is ashamed of his work can hardly achieve self-respect."

On decision making:

"The wise man thinks about his troubles only when there is some purpose in doing so.

When a difficult or worrying decision has to be reached, as soon as all the data are available, give the matter your best thought and make your decision; having made the decision, do not revise it unless some new fact comes to your knowledge. Nothing is so exhausting as indecision, and nothing is so futile."


  1. Now that you've completed it, how do you feel about getting your CSC? Is the course worth taking? I'm only asking because I was thinking of taking the course as well.

  2. I have mixed feelings about the CSC at the moment. I liked the course because I generally enjoy reading about finance but at the same time it hasn't helped me in a career sense so far. What it has done is made me think about possibly taking more courses and working towards a CFP designation but I am still undecided about that. I would recommend the course to someone thinking about a career in finance, but if you weren’t then the material can definitely be learned outside of the course as well.


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