Being expelled from school

Dear Bloggers,

A strange situation has occurred at our community, at the elementary school. A 10 year old boy was placed on our school as has former elementary school could not handle him anymore. Due to their incompetent attitude towards the child and the other parents, the situation has been dragging on for years. These parents have been saddled up with a strange situation as all of a sudden their 10 year old son was expelled from our school. It was not the school that send him off but the school board committee made this sudden  decision. Somehow in the back of my head something tells me there must have been some kind of  complaints to remove a child from a school with no further notice. He is big bloke for his age but needs a lot of attention. Yes, he is quite a handful although you simply handle him with bare structures and a straight follow up of things he needs to do. Probably some children have been scared of his massive being and complaint at home. They possibly have been ringing some bells at the address of Primo. I anyway think that the Dutch education system is not capable to handle these kind of kids. So let us say that we need to call attention to the more than 16,000 children who are officially truants, from their position that they themselves sit at home because their gifted with some kind of an attention disorder and there is no suitable school for them. Let me give you some facts that I could find

Yeah, it's like that the Minister of Education, Culture and Science (Ms Bussemaker) itself indicates over 16,000. And there are even more than for the previous school year 1600 more than in the 2011-2012 school year.

The numbers given by the minister herself :

I took the data in their house letter of  2010-2011 2009-2010

1. Absolute failure 8098 6878

Returned to school 4297 3599

2. Number of truants

A) start school 2296 2269

B) increase during

the school year 3140 2913

C) returned to school 3281 2414

3. Number of exemptions 3107 2964

Total according to definition 16 641 15 024 absolute failure, truants and exemption

 

With the term "truants" means the Minister pupils who should be enrolled in a school, but more than 4 weeks at home. For these students, the school is responsible. With "absolute failure" means the Minister school children / youth who are not enrolled in one (or not funded with) education. These children / young people do not go to school.

When both data are added leads to a group of 13,534 students in the 2010-2011 school year unjustified was not enrolled in school (absolute failure), or it was registered but longer than 4 weeks sat at home without a valid reason.

In the 2009-2010 school year was about 12,060 students.

If the number of exemptions here to be added, resulting in 2009-2010 a number of 15 024 and 16 641 students in 2010-2011. (This does not take into account the number of students in the course of the school year is returned to teaching.)

For exemptions talks about children who do not go to school because they need here are exempt. These children are officially not appropriate for school. This group as a newcomer many gifted children .

If you look at the background of the home are you come out on :

a third are gifted children

a third (potential) children with a so called backpack (for disability and behavioral)

a third adolescents (crime, drugs, alcohol problems in the child or the parents, problems at home)

For about 8,500 of the children covered by absolute failure, you can argue that there is accounting deregistration due to act embarrassment of the school, or school do not know what they should do for these children. School helps them not at a school that knows and can do. The responsibility lies with the Minister but the parents and according to her, the compulsory here required action.

However, if you for example look at the situation of this family the guys of  Primo Opsterland, the school board committee would like to send him to special school in Leeuwarden. According to the psychological welfare reports this would be a too long trip for the young bloke as he has trouble to sit still for such a long time and in half a years time there is space at a school nearby. The school board committee had no intention to listen to the parents as they already had made their choices and expelled him straight away. There answer was “we already started the procedure.” But you can not conclude that the parents have not gigantic done their best for their child to stay at school as the previous school had totally failed to handle him. Their son is now at home without any form of education, although our  school is bringing him some homework. When he was still enrolled in school, it was denied access a number of lessons. The school still feels obliged to give him some sort of an education and he will not get too far behind with his learning skills. Their son was removed from the previous school because of the embarrassment operation of the school.

The defense of the school board committee came down that she felt she had done enough by finding a school in Leeuwarden for further education by referring to a education providing for pupils with severe behavioral problems and to system for learning support.

The parents have as far as I understand rightly refused because there was no questions asked if their child is able to travel that far due to his impulsive kind of a behavior. They also indicated that the trip to Leeuwarden was not an option, because their boy is gifted therefor he is quickly bored and having ADHD makes him a person that runs all day in the fifth gear. In response, the school board committee says that the school system that gives education in the Netherlands simply is not set to the supervision of students as their son.

And now comes the curve: the school states that education in the Netherlands ( Not talking about the expensive private education which is also possible.) simply is not set to the accompaniment of these children and therefore, the attendance officer says that the parents are saddled up with their child sitting at home. Do you get it yet? I do not. Unfortunately I do not  know more families where there is a similar situation: school failure and the responsibility of this failure is on the school board committee.

The result of all this: they are awaiting a lawsuit as their child needs the special education.

There is an impasse. The parents say that there is no school at the moment for the boy, but I think he really can go anywhere. With a supervision order, I would love to help my family to  to find a suitable school. 

Can someone explain to me why the appointment of a appropriate school can be turned by the school board committee and make that the school is indicating action to be taken to get him some extra help? In this: during the time he was educated here at school. A prerequisite for this school is that the lessons are not followed within the regular borders you should just give him some other way of education. His learning skills are not the problem but his way of running through life in the fast lane is.
 
Sitting at home is not fun: you lose your friends and rhythm of life. You feel being left out, put aside. "I lack something. In addition, the children in a learning. Parents who have sufficient money can still choose the option private education. This option is not for most parents.

 
What should actually happen:

At work I see a lot of children who have learning difficulties and now successfully remain standing in the school system. Well, I see clear difference in children where the school their supports in the other approach were I talked about. I see the children at the elementary or secondary education already have grown in their learning, behavior and attitude. They can and want, sometimes only insight and tools needed for their learning and behavior. Come on guys of the school board committee it is not that hard, you are not only hired to earn your salaries by doing nothing else then to decide for others.

 
The Minister indicated that the national budget is based on enrolled students. The number of students not enrolled has no surplus in the national budget result she says. However, there is a certain number of students per school year. Are the files of the absolute homesitters from the bag of the minister as they count on the National Budget? The government holds 80 million per year to the children that "absolute truants are. Indeed they are not enrolled in school. For the relative truants (or enrolled in a school, not present) is also true: school receives money, making no charge for this home seated child. That money was supposed to be created in a fund should be stopped and should be used for re-integration of truants and to eliminate the learning deficiencies. The Education Inspectorate can see to it that this is done correctly and ensure that schools really pulled out all the stops to make sure that they take responsibility. Aloud the question: why is this child taken away from school. Schools are being hindered by the October 1 Control: For later onset former truants get a school no money. Schools also do a selective intake.

I heard that the kid and his parents are still supporting the teachers of the school as they do not blame them for failing but the system. I only wonder why the school board committee came to the idea that he needed to resign at this point: why is this child taken away from school or why this child should not come to our school anymore it makes me sick to my stomach and they possibly need to go to court to sue this school board committee for this ridiculous decision.

I would say hoist the sails and get started!

The Children's Ombudsman might be something helpful just have a look at the website http://www.dekinderombudsman.nl 

Parents, teachers, school counselors and other professionals who have experience with a child (temporarily) not attending school are invited to report. Children's Ombudsman Marc Dullaert uses the reports for his research on access to education in the Netherlands.

The Old Sailor,

 

What is wrong with us?

Dear Bloggers,

This one is for all you girls out there and I really wonder if you are aware of this or am I just too paranoia or do I have a clear view on this?  Some days I am really wondering what is happening to my kids as they learn to live the life with friends, television and Internet. And I can tell you mums and dads it is not all funny what they learn from there. Maybe my youth was a lot less complicated as we had only television during the evening hours and on Wednesday afternoon. The news that we followed was from a local newspaper.

My eight-year-old daughter came down the stairs the other day dressed as "a fairy". She had on a pink frilly tutu  kind of skirt, a pink vest that she'd rolled up like a crop top and a tiara. She also had a microphone borrowed from her older sister and a cell phone that played Justin Bieber songs.

She walked down the stairs, wiggling and waggling, and then she turned round, gave me a pout and stuck her bottom in the air. I was shocked. It seemed such a sexualised thing to do and I couldn't understand where my precious little thing had got this action from. I don't behave like that. Neither does anyone else I know.

K3 mighty populair with young girls in the Netherlands and Belgium

 

My friends suggested my daughter had got her moves from a TV show such as The X Factor. But we don't watch The X Factor. We don't really watch this kind of television at all. And my daughter only seems to like Cartoons and the girlie group K3 and, unless K3 has a friend who is a lap dancer, it's hardly come from there.

An impressive story about slavery

Yet this overt sexualisation of the female sex is inescapable. Officially we are all falling for the hottest woman in the world? Really? Is this what we want our young people to aim for? Is this what success should mean to them?" Just see what happened to a girl called Britney Spears and there are probably a lot more like her.

 Britney Spears

 

I am referring to Kim Kardashian, Paris Hilton and who ever is pictured on the front of glossy magazines wearing very little and flaunting their impressive figure. Is this right? Will my daughter grow up to think that her worth will be decided on how sexy, or not, her body is? What is going on here? I try to tell them something else that is important and yes it is hard to be something dull or nerdy.

Women, of course, have always been feted for their looks. I remember watching films with Brigitte Bardot and yes like every healthy young bloke I was glancing at her boobs. I am sure there were loads of young women back then wondering if they could become famous because of their bouncing bristols. Page three girls, glamour models, pin-ups, these have been around since the year dot. The adulation of women for being overtly sexual, or suggesting the promise of sex, has long been with us and is not going away soon. Really it is just a hoax guys.

Brigitte Bardot

 

It's the role model part of women in my youth that has changed rapidly . When I was growing up, women were encouraged to have careers, to achieve, to break through the glass ceiling. As at these days it was normal that women were housewives. Now, fame is an ambition in itself. I hear this all the time, teenage girls who tell me they want to "be famous". When I ask them "famous for what?" they look at me blankly. They really just want to Be Famous and one way of doing that is to get lucky like Katy Perry. She has made a lot of money and has a lot of famous friends. What's not to like?

Disney Princesses

 

Now, there seem to be too many women who have lost all ambition. The something-for-nothing generation is with us, and though it involves boys too, it is the lack of drive among girls that worries me most. If you can't become famous or successful without effort, Or what I think is even worse if the mum did not make her dream come through. They will push their kids in that direction. So why not marry a rich man, drive 4x4s, live in a big house, have kids, and then make them your project? And they should become mummies dream child.

Wishfull thinking

I think that:"Every woman needs to be self-sufficient .... You hear these yummy mummies talk about being the best possible mother and they put all their effort into their children. I also want to be the best possible dad, but I know that my job as a dad includes bringing my children up so actually they can live without me." And my kids should think up their own dreams and built their own future.

For my generation (I am in my mid-forties), there was no sense of just wanting to be "famous". I wanted to be all sorts of things – a pilot on a commercial airline, an fireman, a circus performer, a silly car mechanic, a soldier, a truck driver, a painter or even a waiter.

My fictitious heroes were people like Johnny Weissmuller who played the role of Tarzan and Superman played by Christopher Reeve. Although the character of Tarzan or Superman does not directly engage in violence against women, feminist scholars have critiqued the presence of other sympathetic male characters that engage in this violence with Tarzan's approval. Reinforcing a notion of gendered hierarchy where patriarchy is portrayed as the natural pinnacle of society.

Christopher Reeve as Superman

The only film stars I was interested in were people like Charley Chaplin, Stan Laurel and Oliver Hardy, even then, they seemed mystical, magical creatures who existed only on screen. I couldn't imagine them having a real life.

 Stan and Ollie

As I grew up, my role models changed. As I read more widely, I changed my interest for movies as well. I fell in love with the story of Jane Eyre and later on with Sandra Bullock when she played in While you were sleeping. The stories are odd but somehow realistic.
My mother steered me away from the Disneyised version of heroes, most of whom have been forced in to domestication in order to become lovable. Snow White spent her time cooking and cleaning for seven infantilised men. Cinderella swept the hearth. Beauty in Beauty and the Beast looked after her father then went to look after a Beast who she ended up kissing. All of these women were saved from impoverished drudgery by a prince.

So she introduced me to literature. I read the Anne Frank Story and I started reading the book of Alex Haley called Roots, I also read V.C. Andrews book flowers in the Attic and of course Sophie’s Choice. Furthermore i read some books about the great wars from all over the planet from second world war to the war in Vietnam. I became ambitious, seeing my worth as being about what I achieved rather than how I looked. I was encouraged to be an independent person as no government should hold me back.

I loved my English teacher, Mister Kuijt, who was almost solely responsible for my love of this language and a stiff drink, and my impossibly sophisticated Dutch teacher. He learned me a lot about the dialogue and how to use it instead of fighting physically.
I will encourage my daughter to choose her role models from as wide a range as possible. I shall ask her to look towards a different type of role model.

Sandra Bullock

And there are great role models among us all, women whose lives show real purpose and achievement regardless of what they look like or the money they have. The common feature? They have worked hard, for themselves, and for others.

Johnny Weissmuller as Tarzan

So come on, ladies. You're worth more than this. You should be ambitious and driven and you should by all means have realistic role models. But let them be those truly worthy of your respect, rather than someone whose sole claim to fame is an admittedly beautiful bottom. Even though it looks nice.

The Old Sailor,

No money but loads of future left

Dear Bloggers,

Childhood memories are special for everyone. I have a very happy memory of my childhood and always reminisce it with nostalgia. I was born and brought up in a small family which included my mother, father, brother and my two elder sisters. I have very fond memories of playing in our backyard, climbing trees to pluck fruits at the neighbors garden, going to the park and beach and enjoying life in general. Nobody was worried about the near future and as long we had something to eat, we were not complaining.
My dad was a operator at the coffee factory and my mother a housewife. Of all the memories, one particular memory is very important and taught me the importance of saving some money.


A nostalgic tube radio from my childhood years

Furthermore we had to help out with my dad’s hobby which was sometimes hard labour. In the evening hours we had our meal, a shower and watched some television. Some nights I had to go to bed and had a hard time to fall asleep. On my bedroom I had a nostalgic tube radio. The long copper spring wire was working as antenna and was spanned from one side to the other. Out here I listened to the programmes broadcasted by pirates like Mi Amigo, Radio Caroline and Veronica, sometimes I listened to classic stations from Russia or whatever country it was broadcasted from. The soft glow of the radio gave it somekind of mystic feeling.



We were absolutely not the richest people but we had an ok life. Eventhough my school friends went on holiday to far destinations and spend their money on daytrips, we stayed at home and slept in tents in the garden of the ponyfarm of my dad. I never felt it as a punishment as we grew up in a tourist village. And on saturday we were allowed to go out at a certain age of course. During the summer we earned some money for the food of the pony population as in the winter there was not much going on. Maybe other people found that we were pretty poor but it never bothered me. Only thing that has played my mind that we never ever went somewhere during the days that I at least can remember.



One summer, our family car suddenly broke down. Repair was the first option although it would cost a hell load of money to get this fixed.My father did not earn a very high salary and it was very difficult for us to raise that amount of money suddenly. Luckily, my father and mother had a habit of saving small amount of money regularly. This money was not touched but kept aside in case of emergencies. This amount turned out to be the exact amount required for the new second hand car. We were happy that the crisis had turned out right. Slowly we are getting into a financial crisis and we might loose our house as the mortgage puts on a lot of pressure as I only work 24 to 30 hours a week and that is not enough. My life is becoming a bad soap opera. Yes we are having the Blues, listening to myself saying: “We may be poor and there is nothing left to loose, I love you all with a smile and sometimes a small glass with booze”.


My favourite countrysinger Ilse de Lange

I realized for just a moment today that my life seems more like a country song than anything else now that I have Fibromyalgia. You know… lost my wife nearly, lost my car, lost my job and now we are getting closer that we would loose the house!!! Only it would be more like this: (Let me preface with I am NOT a song writer)

“I Lost My Sanity…Maybe it’s in The Refrigerator?“

You don’t have to touch me today, do you? I hope not, cause I might lose it if you try…You see I can’t take the slightest pat on the backside…get any closer and I might have to cry.

It’s the Fi-i-i-i-ibro it makes me fee-ee-ee-eel like such a wreck! I want a tissue for my nose, it bloody hurts everywhere my feet, my fingers and even my neck

You don’t need a home cooked dinner, do you? If so you’re gonna have to cook it for yourself! It’s alright with me if you do, just to get some rest..an hour or two would be worth all the bitchin that you’re gonna do!

It’s the Fi-i-i-i-ibro it makes me fee-ee-ee-eel like such a wreck! I want a tissue for my nose, it bloody hurts everywhere my feet, my fingers and even my neck

You see…today I lost my phone my keys my car my wife and the little bit of sanity that I had left. Bought a microwave meal and picked up a milkshake at the local drive through of Mc D. I got it all wrong but it seemed so right until I realized I was losing in this fight.

It’s the Fi-i-i-i-ibro it makes me fee-ee-ee-eel like such a wreck! I want a tissue for my nose, it bloody hurts everywhere my feet, my fingers and even my neck

I’m gettin to the end of this little country song, about something that will plague me for my whole life long. I just hope they find a cure before I lose again and find my car keys in the door, my phone in the fridge, my wife where she belongs, and my sanity….well I still haven’t found that one yet!!!!



My children learn to spend money but also how to save a little bit so there will be some light at the end of the tunnel. I learn them to enjoy small things like following butterflies in the garden, going a day to the beach with the whole family or a picknic in the park. Riding our push bikes for short trips through the forrest or even a bbq with some friends can make my day and give that holiday feeling.

It is not that bad today sailor

We were helped by the good habit of saving practiced by my parents. Before this incident, I was a spendthrift and use to spend all of my pocket money. This incident changed my way of thinking. I started to save even a little bit from my pocket money. I took to heart the saying, "Little drops of water makes the mighty ocean." Till today, I save money in whatever way I can. I have impressed upon my children the importance of saving money and have got them to do the same.

The Old Sailor,

My mobile teenage kid

Dear Bloggers,


Today I am going to write about my “mobile hooked” teenage daughter. A few years ago we gave her a mobiole phone so she could reach us whenever it was needed. And yes stupid us (the parents) did not change her account as she was not using it for anything else yet. When I got the last phone bill I nearly got a heart attack. I explained to her that everything she does is costing us money and yes she could have asked us if it was ok that she was using internet on her phone and that she was texting a lot with her friends.



We had a tough conversation with the three of us. (my daughter, my wife and me) I explained to her that she had been using her phone so much the last month and in cash she used what I would be doing in a whole year. We agreed that we should look for a more suitable contract and a different phone that can log on to the modem at home. Further the phone will be used only during the day and at bedtime it will not go to the bedroom. I will not have a teenager in my house who is on call 24/7. As I have met already several teens that are completely hooked to their cell phones. And yes I understand that living in the countryside as a teenager is bloody boring. Is there anything that you can do in their empty life?


Lack of sleep gives this effect

Teenagers! Always on call. Especially here in this small towns with “nothing to do”, where many of them—we’ve come to discover thanks to the good old fashioned local newspapers —sleep with mobile phones under their pillow. Important texts (“Seeing if you’re awake”) simply cannot be missed!

Teenagers are texting all the live long day and continue to do so even when they enter their Twilight-covered sleeping chambers for what sounds like the most restless, unproductive, vibration-under-the-pillow sleep I’ve ever heard of:

At home my nearly twelve year old daughter did the same she slept with her mobile phone under her pillow so she doesn’t miss “emergency” texts – “like if a friend broke up with her boyfriend.” Her schoolfriend is doing the same and is also available for urgent overnight correspondence, such as, “Hey, seeing if you’re awake.” My daughter produced and got as many as 100 texts while in bed. “I just don’t feel like myself if I don’t have my phone near me or I’m not on it,” she said. (We did not know it and explained her that there is more in real life.)



This semi-sleep is being dubbed “on call” by teens, parents and doctors at the local Hospital in Heerenveen, where they are seeing an alarming number of inexplicably exhausted children admitted for evaluation. Yes, you read that correctly! Kids these days are texting so often they’re actually disrupting Stage 4 REM sleep. This is the same stage of sleep that’s important for processing the day’s learning experiences so, yes, in this case mobile phones literally are affecting children’s brains and making them dumber.

And lest you think this is just that I am trying to create a trend out and that I am a grumpy old and irritated bus driver than I can tell you, it’s not! The Central Bureau for Statistics, which is an organisation in the Netherlands that researches things, reports that in a 2010 study on teen mobile phone usage, four in five teens reported sleeping with their bedazzled Blackberrys and iPhones or other kind of Smartphones next to their beds. Some even reported falling asleep with the device still in their hand. Can you imagine how that last one went down?


Application called Data Counter

“Dear Jenny, it’s Kelly. Can you believe Rob? I mean OMG WTF!1!. Did you see how he was looking at…” Zzzz…

Holy crap, Kelly! Wake the fuck up! We need to know what Rob did with what’s her face! Stop sleeping! That’s a sign of weakness! And yes, weakness was purposefully chosen, by me, for that sentence, for this reason:

Sometimes teens answer late-night calls and messages less out of excitement than fear. In focus groups convened by the CBS, some teens related stories of friends or acquaintances who became angry or insulted when text messages or phone calls weren’t immediately returned. “As a result, many teens we heard from said they feel obligated to return texts and calls as quickly as possible, to avoid such tensions and misunderstandings,” the report said.


Application Kiwi to keep track of mobile usage for € 0.99

The data only gets worse from there. A medical centre study found that teens average 33.5 emails and texts per night and are often woken from a sound sleep by a message.They discovered that teens sending more than 120 texts per day were more likely to get less than the recommended eight hours of sleep per night and doze off in class.

I’l end this little tirade with what must be the saddest quote from a teenager I’ve read in a long, long while, take it away:

“When I’m texting someone I don’t feel alone. When you don’t have your phone, you feel incomplete.”

OMG (omg means Oh My God) what the hell is happening. You know another way you can not be alone? By standing next to a real, live person and talking to them. Also, where the heck are the parents?



The names I used are fictive just to give you an idea of what teens are chatting about, as I do not like to see anyone being harmed by their parents as they might read this blog. And that is absolutely not the plan. I think that we as parents should learn and read more about how our kids are growing up in a fast and dangerous mobile and internet world. Our lives were in that case a lot simpler those days. At least try to keep track of what your kids are doing and try to keep track of their costs. I made a plan with provider KPN to keep track of data and text usage with some simple to install Android apps and of course we have changed her contract which can be adjusted every month.

Try to be a good mobile parent and explain to your teenager kid that things you do cost money. In Dutch we would say: “De zon komt op voor niks en gaat zinloos onder.” I will try to translate The Sun rises for nothing and will go down useless.

The Old Sailor,

The day that I nearly lost everything.

Dear Bloggers,

So here's the scenario. About a year ago I was diagnosed with Fibromyalgia and I did get the the Talk. The doctor in question gives a lot of these talks, and is determined that we shouldn't miss a single word. We are shown a figure with red dots for the trigger points, and she begins to describe what's happened, in mind-numbing detail. I mention that I'm a guy that learned some Latin and Medical terms had my interrest for a long time, and I knew about Rheumatic problems already quite a few things as I have been strawling through medical books and of course on the internet. We have to listen. To all of it. She is, she tells us, the expert, and no-one for miles around knows as much about Rheuma as she does (My doc at home does probably know nothing at all at least I share that opinion).

I kind of loose my temper a bit as I realize that I am stuck on this bloody sickness for the rest of my days, The doc ignores me and disappears for a short while. We might need her again in the future whispers my wife and I am ashamed of myself. Due to the fact that there will be not much progress in the coming year, I will definately lose my job and have less income. My boss is giving me notice and I can sense that this is difficult for both of us. I had so much fun doing this job but my body decided in a hard way that this was not going o work any longer. I hated myself for quite a while and had to get my feet back on the ground and suite myself with a new style of living. A slower and more balanced life would do myself good. I will compare to someone that is stuck in a body of an eighty years old man who has been working hard all his live but now his worn out body is holding him back due to pain all over. Accepting it is not that easy, the pain is something you learn to live with. My wife told me one day that no one is getting happier when I am complaining, I guess that she was right so I stopped doing that.

The doctor returns, I apologise very nicely (as I have been instructed by my wife), and we proceed. We are told again that we need to come back for some more tests on Monday. We are given some booklets to read ourselves and that was it. Totally devistated we leave the doctors room. All of a sudden some horrific pictures of the worst case scenario run through my brain (a man like me with what looks like a wheelchair and his head is hanging down on his chest; I'm still not sure what that was supposed to be).

In the time being at home, I worked myself back up to certain level and got back to work. I started a job to become a bus driver on a commuters bus for the summer season. If it would not work out with my body and brain, I could simply pull the plug as I am hired through a temps office. In the beginning it was hell as I had to stick a lot of information into my brain which was still foggy due to the amount of medication that I have been using to settle the pain level. I look at it as a drug user that becomes clean, that also takes a couple of weeks before the brain is clear again. 

The money is coming back in although the amount is lower and deducted from my dole money of course. Our holiday? we can simply skip as I am hired for the summer season. Again I feel tears burning as I cannot spend money on my loved ones. That's ok, says she and my kids are fine with it, I still feel like that I am failing somehow. We cannot go on our holiday, maybe next year. Whe sat down one evening when I was still home, we decided to sell this beautiful house and buy something a bit smaller as cleaning and doing the garden became to much for me and for my wife it is too much too handle on her own. Certainly we like to get a reasonable price for it, but still it is not been sold. But what about the housing market after the recession banks do not dare to take any risks anymore. In the mean time we are still living here and although the garden is getting more and more a mess. I mow the lawn and my eldest daughter is helping me with it. The rest of the garden is not in a great condition. Ah, That's ok, because we can sell it for abit less and move on. Hmmm......sounds like my wife gave up on it too. We have seen a nice house on internet with enough space for all of us and with a suitable garden. We would get on a lower mortgage and we could save a few euros to go out for a long weekend. That would be at least long enough for me. 

Well, at least we can sit at home and read... 

The Old Sailor,

What would you do with one million euro

Dear Bloggers,


And yes last week it happened again for the so maniest time or at least I nearly won the lottery again, I only missed by several digits. (only the last one was right.) My actual winnings were € 27,50 this time just not enough to buy new tickets from. Well maybe next month it will happen enthough I now that winning a prize above € 1.000.000, - is aprox 1 on 20 million people. But why the hell do I buy these tickets? Because there are a few things that I would love to realize even if it was a million euros. I do not need the jackpot of 27,5 million euros. Every price above € 100.000,- is very welcome. At least we could make easier choices.

It’s a fun game, isn’t it? Imagining you have won a million euro windfall and trying to figure out what you would do with it. Or, a different scenario: you work your butt off for 40 years, saving and investing wisely, and eventually get to a net worth of a million euros. Phew. Now what?

A Million Euros isn’t that much!

I think we’re all very aware that a million euros isn’t what it used to be. In either scenario, whether you have worked and accumulated a million euros, or whether you’ve received a windfall, you absolutely cannot go crazy and start spending uncontrollably. Let’s take a look at what you CAN do with a million euros.



Invest for income

This applies to the second scenario – the one where your net worth, after years of hard work, is a million euros. Assuming your investment mix can generate an annual taxable income of 8%, a million dollars can generate an admittedly nice income of €80,000 per year – for many this is all it takes to comfortably retire, and for those of us living in more expensive areas, in major cities along the coast, it would still be a major boost to whatever other retirement income we might have.


Spend wisely

If you get a million euro windfall at some earlier point in your life, when you still have many working years ahead of you, I would advise against viewing this as your ticket out of the workforce. As we saw above, this kind of money generates a nice income – but not necessarily enough to retire on, especially if you’re young and still need to raise kids. In addition, if you start using all the income that your nest egg generates at an early age rather than reinvest, your money will be gradually eroded by inflation.


What would I do?

The things on my own list if I ever received a sudden windfall include non-exciting items such as paying off any credit card debt, loans and home mortgage. I would also reserve a small percentage (anywhere from 1%-5% or up to € 50,000) for helping close family members such as parents and siblings with repaying their own debts and give another 1%-5% to charity.

No splurging at all? You’re so boring

I actually do not rule out splurging a little. It’s normal to want to splurge when you receive an unexpected, large sum of money. I guess in my case I would allocate 1%-5% for splurging – this could go towards buying a new car, a small boat, renovating the house or buying new furniture or art and a cruise of course. Whatever floats your boat, by all means splurge a little on it, but do limit that splurge. It’s very easy to waste away a million euros.


And what about the rest?

So I repaid debt, gave some to family and some to charity, even splurged a little. Let’s assume I was left with half a million euros. Now what? Now I invest, and I treat this as any other investment, creating a mix of stocks, bonds, cash and whatsoever is possible. Whatever asset allocation I’m generally comfortable with. Now I sit back, watch the money grow, rebalance once a year and resist the urge to do anything else with that money, except for enjoying the extra security I now have.

Just believe me when I tell you that money does not bring more luck into your life, it only makes things easier if you a bit more than needed. Just enjoy life and make the best out of it.

The Old Sailor,

Did we all become slaves to the Rat Race?

Dear Bloggers,

You may consider me harsh for making such a statement, but the truth remains: the majority of the world will remain slaves to the "Rat Race" system for the rest of their lives. I speak with a lot of people on a daily basis who say that they are serious about starting their own Home Based business, but they never actually take action to begin the process. As I thought over the subject, trying to figure out "what was wrong with people", it suddenly came to me: We all have been trained to think like slaves!

From the time we were school age children, we were taught to go to work for someone else-in hopes of getting paid for our blood and sweat at the end of the week. We had no control over what the employer "decided" to pay us, nor did we have any say as to what type of hours we would work. We were taught to be "dependant" on others. This type of mentality is no different from the mentality of a slave. Slaves were forced to conduct hard labor for little pay (if any), while the "master" made a fortune, took exotic trips, and sent his children to private schools. For those who may think that I'm going overboard with my analogy, consider this: Who tells you when you can spend time with your family? Who tells you when you are "eligible" for time off? Who dictates to you how long you can take a lunch break?

 Are you starting to get the picture? Most people don't even realize that they are snared by the way they perceive. If a person doesn't believe or know that they have a problem, they won't consider getting treatment for the problem, thus, remaining in their sickening state until they die. Why not start a home based business for yourself? Why not take control of your own income, rather than let someone else tell you what your worth? Doesn't it make sense that you should be the one who decides how much you will be paid? Shouldn't you decide when your going to spend time with your family? If you desire to change the course of your life, you're going to have to change the way that you think. 

Entrepreneurs think different compared to employees. Employees complain that "there are no jobs". Entrepreneurs create jobs by starting businesses.
I am aware that there are some people who will never change the way that they think, no matter how many offers I make to them or how many blogs I write, they will continue to embrace the "employee" mindset. I don't mean any disrespect to those who decide to work for a living: there's nothing wrong with that. 

 

After all, I figured it out the hard way and now I am stuck with this bloody disease called fibromyalgia. 
For me there has never been a reason to give up. I started my life in a different way and became a parttime bus driver next to my job I am trying to start up a webshop but first I need to get some brilliant ideas for entering the market. I need someone to program my computer. I can go on-and-on but I think you get the picture. Which side of the road are you on? Do you want to have a different life or, are you satisfied with your safe secure job and nothing else?

If you're ready change your life and get a "better life",

The Old Sailor,

How to deal with a financial set back

Dear Bloggers,


Today I had to ask for a loan from a relative and this all due to the fact that our car broke down, the tax office had their things sorted and send a huge bill and on top of it all I got fined for a accident that I cannot proof if it was me who caused it. Good gracious where should I get all this money from? Well with lead in my shoes, I knocked on a good Samaritans door. We thought up an arrangement and I will pay it back step by step, bless these good people.

When you're sinking in debt, it's frustrating, stressful and can make you feel like you're carrying the weight of the world on your shoulders. It can be pretty easy to feel as if you will never get rid of your debt, but you can. There are many different things you can do to pay off your debt sooner. Here are some important tips and tricks for the broke and desperate for getting rid of your debt.

Think of the Extra Money You Spend Each Month -

I figured out quickly enough that we had approx. 500 euro less each month after I had to stop sailing and that is a major set back, Although I may not be swimming in cash, chances are you spend extra money every month. You may pay to eat out, go to the movies, purchase things you love, etc. How much money do you spend each month on things like this? If you add up the amount of extra money you spend each month, you will probably be surprised to know how much it really is! If you cut down on your spending each month, you can pay off your debt much faster. For instance, rather than spending 20% of your income, spend 10% on extra things. This way, you can still enjoy the fruits (eventhough it is not easy sometimes.) of your work and you'll be working toward being debt free.

Make a List of Your Debts -

It will help you to pay off your debts if you have all of the information in front of you. Make a complete list of your debts, including what is owed, who the creditor is, what the interest rate is, when the payments are due and what the minimum payments are. If possible, list them in order from the highest interest rates to the lowest. The ones at the top should be given more attention than the lower interest rate bills. So, paying the minimum payment on all of them except for the higher interest rate bills is a good idea. For the top ones, send any extra amount that you can afford. This will help you pay off your debt faster and save money by not paying so much interest.

Debt is anything but fun and can make you feel as if you will never be free again. However, using the methods above, you can pay off your debt and experience a clean credit report once again! Good luck.

For the first time I felt that I was drowning, it’s a hard knock life for us.

The Old Sailor,