Sunday, December 27, 2009

Investing inspiration...

I have never been one to be interested in the stock market. I took an agricultural commodities class as well as a Business Policy class in my last year of University and learnt alot about the stock market, trends pertaining to stocks, and what factors affect a company's stock. I even had a paper nominated for the Guelph Economic essay award on Specatators in the Commodities market. I am learning I guess. As I get older now, I feel as though the stock market is something I should learn more about and maybe start investing in.

Yesterday, I was checking the Globe and Mail while surfing the net and found this great article about a family who instead of buying Christmas gifts last year, pooled their money together and invested it in stocks. They have now realized a 600 per cent market gain!!! Instead of each buying presents, they decided to put all their money together, and then voted on Christmas day which stocks they would invest in as a family.

They invested in stocks such as Ford, Starbucks, Nortel and Sirius Sattelitle Radio.

I decided to add them to my blogroll- their blog can be found over at Wordpress at The Family Fund.

This is definitely something I'm going to do more research on and see what my family thinks of this idea :)

Friday, December 25, 2009

Relaxing after Christmas...


I hope you are relaxing tonight after a beautiful Christmas day. I can't believe that as fast as Christmas comes, it goes by even faster! It seems crazy when you think of how much time, energy and money you put towards Christmas and within a few hours, it is all over. Seeing the look on people's faces when they see your presents though is PRICELESS!

Everyone loved my gifts I gave them- my brothers sweaters, shirt, and chain necklace fit awesome. I did my sister's make-up with the new make-up bag and make-up I gave her- she loved it. And my parents loved their presents, especially the website which was an awesome hit!

I got everything I asked for this Christmas including a Chi Hair straightner, One Tree Hill Season 6 (its my guilty pleasure!), a black classy Lululemon bag bag to use everyday for work, QUICKENS PERSONAL FINANCE (can't wait to use this and share what I think with you!) and of course lots of other things that I love :)

Tonight is always a favourite of mine because its such a relaxing night. My family and I sit around together and watch movies, I usually do some reading or blogging and rest after a full day of presents and too much food!

In light of Christmas day, I thought I would post the video below for Little Saint Nick by the Beach Boys because I heard it this morning on the radio when I was doing chores and milking cows :) It put me in the mood even more than I was for the Christmas spirit. Thought I would share it with you. I don't know about you but I may go to bed early tonight- 6:30am Christmas morning chores is catching up to me :)





Merry Christmas & Happy Holidays!


I want to wish everyone a Merry Christmas! What a beautiful time of year that is upon us- just like Thanksgiving, it reminds me of how lucky and fortunate I am to have all the people I do around me and for everything I have.

I hope you are enjoying Christmas today with special people like I am.

My warmest wishes to you and all over the holiday season.

Hope Santa was good to you! I will be sure to let you know soon, what Santa gave to me :)

Merry Christmas Everyone!

Christina

Thursday, December 24, 2009

My Christmas gifts from *A*....

I got spoiled last night by *A*.. as happy as I was with my gifts that I gave him, he definitely got me stuff that I absolutely LOVE! To begin, he got me my usual cranberry lotion and lip balm from The Body Shop. This has become a tradition of his that he gets for me every year so I kind of expect it now :P I love the smell, and its only available at Christmas time!

He followed next with the Bluetooth headset that I had asked for. I got it working last night and everything- I am hoping to use it a lot, maybe I will try it out on my way home today to the farm :P A very useful gift now that it is law to not use cellphones while driving in Ontario.

He tricked me then with a box that had a coat of his in it as a surprise leading up to the next big box which was the Esprit down filled jacket that we picked out last weekend together. Well, in all fairness,*A* found it and I just agreed that I loved it! And he loved it on me too which is important :) Here is a picture below- mine is similar to this but my jacket has a belt. We got a great deal on it too- 40% off! Woohoo! It is so warm- I even wore it to work this morning. I thought that was all the presents *A* had gotten me, which I was going to be more than happy to accept. I loved my gifts up-until then. And then he brought out the painting.

Now in all honesty, doesn't this look professional, like a real artist painted this?! Well, *A* painted it for me! It took him a few days and it still isn't a 100% dry but it is the most beautiful painting I have ever seen! It reminds both of us of my home, when we are down at the water looking across the river- this is the view you see of the other side. He said that is where he found his "inspiration." I am truly in awe of how talented *A* is- he has this other side to him that I feel I am still getting to know each and everyday. He has this whole other artistic side that I am just amazed by. Not only did he teach himself to play guitar, but he can paint?! Where did I find this guy?! haha I am truly a lucky (and spoiled brat!) girl :)

And what did I get A? On top of the Real Estate magazine subscription that I got him, I got him a dress shirt from Mexx that I think he will look great in on New Years, a toolbox that he needed and a leather suitcase for work now that he is a professional :)

Hope you all get as spoiled as we did :) Happy Holidays!

Unveiling the new website [and dad's Christmas present]

Happy Christmas Eve Day Everyone! I hope you are as excited as I am that Christmas is here! I have the tunes blasted at work because there is NO ONE in the office- I think there may be 3-4 of us at the most. I am counting down the hours until I can hit the road and get back to the Farm for Christmas! Crossing my fingers that traffic is as good as it was today coming in to Toronto!

I have been meaning to share with you, the final product of the website I designed and created for my family farm, Crovalley Holsteins. This has been a project for the past couple of months but I finally got it done. This is my first time designing a website on my own so it was a pretty of a learning process as well.

I had it done a while ago but thought it would be a PERFECT present for my dad for Christmas seeing as he has been bugging me to create one for months (although he has NO IDEA how much work it takes!). There are still a few things I need to fix on it, add pictures, fix pictures, etc but overall, I am super happy with how it turned out! You will also see that I added a blog to the website! haha Personal touch of mine. Thought it was a great place to share more intimate things with our friends and customers.

So without further adieu, here is my family farm website Crovalley Holsteins. Check it out and let me know what you think :)

Wednesday, December 23, 2009

Christina's Decade in Review..

I saw this idea on Five Blondes and had a blast reading about all that had went on in their lives in the past decade. It inspired me to write my own. I was a bit worried at first that I would not remember 10 years back but as I started to write, the memories just came back to me so easily.

In 2000, I was in Grade 7 (yikes!)- a little keener at school who was very interested in Y2K and how the Millennium would affect us. I was very disappointed when 2000 rang in and all the hype turned out to be nothing. I was really good friends with my teacher and the Grade 8 teacher- I got called a Teachers Pet but I think my maturity level at this point was way beyond my years. I would keep in touch with these teachers years later! I was also the apple of my parents eye :)

In 2001, I graduated from Elementary school, cleaned house with academic awards and never looked back as I entered high school. I would meet my best friend *K*, who ironically was born on the same day as me- June 23rd! I loved being a new girl at school because all the older boys paid attention to you. It really was my "coming of age" in terms of becoming a young lady and entering the World of "Boys." High School was awesome.

In 2002, I was more concerned about being popular than I was with school but I still did really well at balancing both- or at least I tried. I soon realized that friends who I thought would be my best friends for life would stab me in the back. I quickly learnt to have a tougher skin when it came to chatty comments. I began to have my own true identify, stepping out independently on my own and not doing things just because everyone else was doing them.

In 2003, I became really close with the group of girl friends that I still remain best friends with today. I had my first fake ID which was an unbelievable feeling! I used it every chance I could, wherever I could. I was really into 4-H and cattle showing and met a boy who I loved who would eventually break my heart. I soon got over it- well after some time. I loved helping out on the farm and did this every summer as a job. My family remained a huge part of who I was and who I am do this day.

In 2004, it was my graduating year at high school. I put a lot of pressure on myself to get great grades so I could go to my first choice University (Guelph!) and get scholarships/awards. It all paid off as I got accepted to Guelph and paid for my first year of school with not one cent of my own money! I had my first boyfriend- the son of my dad's good friend. It was a dream come true at that point because we were from the same small towns and knew all the same people. My girl friend's and I partied every weekend and thought we were the coolest cats. Life didn't have the pressures and challenges that it soon would- we were just living wild and young (is that a line from a song or something?!) I also fell out with one of my best friends during Grade 12 as we lost touch with each other- I took this really hard.

In 2005, a milestone came for me in my young adult life- I was named the CNE Ambassador of the Fairs for Ontario as my hometown Norwood Fair Ambassador. It was an amazing year and the year that I consider really jump started my passion for making a difference. My brother was involved in a dirt bike accident that summer- he spent a month in Sick Kids Hospital in Toronto. I went and stayed with him for a few days- we are lucky he is still with us today. That Fall, I started my first year of University which was the most amazing year of my life. I loved residence- I don't know how I did it- I hardly ever slept, drank and ate the worst beverages/food- didn't study and danced way too much! I broke up with my first boyfriend only a week into school knowing I was too young and just not into it- he was heartbroken. I still don't think he has gotten over it to this day :(

In 2006, the first day back to University to begin my second semester of first year, I met the boy of my dreams. He helped carry my bags into residence as I had taken the bus back with 2 huge bags that could have fit a small child in them. I got the courage to go back down a few days later and ask him (*A) out for coffee. The rest would be history- it will be 4 years in February :) I think when I first met him I used the word "smitten" and still to this day, I would be. On a sadder note, my dad was diagnosed with Non-Hodgkins Lymphoma the day after I returned home for the summer. I had never saw my dad cry until that day. It was a really difficult time for my family but it reminded me of how much family means and comes together in desperate times.

In 2007, I returned back to school excited to start a new adventure in my own house at school although my heart still remained at home with my dad/family. I soon realized that all the fun and games of first year would not be the same in second year. People change. I took school a little more seriously but still managed to party almost 4-5 nights of the week with my best friends. Man we had so many great memories. I was glad to see Summer come though as I missed my family and friends although the downside to this was that I would have to say good-bye to *A* again for the summer when he returned home to Manitoba. I re-connected with the friend that I had fallen out with back in Grade 12. It was like we had never lost time between us and caught up very fast. I also won the Canadian Young Speakers in Agriculture Public Speaking Competition- another huge highlight for me. My dad would also be told he was in remission which was a huge blessing- he is still in remission to this day.

In 2008, I took on more responsibility during school as I became President of College Royal- an organization that I still hold dear to my heart. I don't know how I did it- it was like a part time job and I did 6 courses in the Winter semester. Surprisingly enough, I got great grades. At the end of the year, my best friend and I who had roomed together since first year decided that it would be best for our friendship if we lived with other people. I randomly went on a housing website and found a group of girls looking for one person to move in with-this would be one of the greatest finds/decisions I ever made. I would spend my last summer apart with *A* which got tougher each summer as we became closer. Summers also started to get tougher as I got older and had to live under the roof of my parents with their rules. I started my blog in October of that year and a highlight for me which gets mentioned often, is when I won Best Costume for "Sarah Palin" that Halloween.

In 2009, I started my last year of University :( Sad I know. I had a heavy course load including taking 7 courses to finish my degree and get my Certificate in Leadership. Courses were a lot of work but I managed to get great grades. The girls I found and moved in with turned out to be great girls and awesome friends- they are the girls I still live with today. I traveled with my school Marketing team for a competition down in Atlanta, Georgia for a week at the end of school- it was beautiful down there! I graduated from University in June- it was a really weird time for me as I battled with reality to think that the best years of my life were now over. *A* decided to stay here in Ontario for the awesome job he landed (or for me I like to think)! I traveled to Europe in September for a month for a cattle show and to travel before returning to the full time job I have now.

The Next Decade- It is weird to think that 10 years from now, I will be 32 years old. I am in my prime right now! I expect (or hope at least!) the next ten years will bring along a house, paying off all my debt, marriage, maybe a baby?!, career advancement or at least finding a job that truly makes me happy each and everyday and of course- health and happiness :).

Phew, the last 10 years seems like alot went on. And I am sure I left out a whole bunch of details. This was an awesome recap- I had alot of fun writing this post. You should try it too- thanks for the idea Five Blondes!

It's almost here!!

I feel like I'm getting a little more excited each day closer to Christmas. For me, Christmas Eve is almost as exciting as Christmas day because of the traditions that my family and I have tomorrow. We go to church tomorrow night, afterward we visit local neighbours and drop off Christmas gifts, go to my Grandparents house for a pre-Christmas meal and then we exchange gifts between siblings tomorrow night. We always end up watching a Christmas movie too before bed- usually Christmas Vacation and then leave out some cookies and milk for my dad Santa which I know is kind of stupid considering we all know Santa isn't real anymore but its tradition.

I am so excited to see the looks on my family's' faces when they see what I got each of them! They always look forward to my Christmas presents- they say they are the best :) I am also VERY excited to see what *A* gets me when we exchange gifts tonight- is it bad that I am so freakin' excited to wear the jacket he got me.. will share more details once I actually GET the jacket tonight.

In light of Christmas in 37 hours, I thought I would post this beautiful picture of my ideal Christmas tree- right by a fireplace which is what I dream about one day when I own a house :)

Tuesday, December 22, 2009

Ouch!

Here I am trying to help my personal finances by getting books out of the local Public Library and then I go and forget to hand in 2 movies I rented and now I have $23.75 worth of charges on my account :( I have been really kicking myself lately about stupid and meaningless charges such as this one that take away from my savings.

Looks like I shouldn't borrow movies or books until I know how to take them back on time, and now that I have a car, there is no excuse!

Christmas shopping finally done [but overbudget]


Last night I braved the mall and stores and got everything I needed to get to finalize my Christmas shopping. I went in with a list and only came back out with what I needed. I even had time to price compare at a few stores to make sure I got what I wanted. I think the most trickiest person I had to shop for was *A*- I knew exactly what I wanted to get him but had trouble finding exactly what I wanted.

All in all, I am really happy with what I got everyone but my bank account isn't happy :( Here is the breakdown of what I spent on Christmas this year (and the Grand Total and the bottom is ridiculous!)

Sister:
- Make up bag with make up and jewelery inside: $46.28+ $38.03
- Kinder Surprise- $2.79 (its been a tradition since we were kids so don't laugh :P)

Older Brother:
- Lacoste shirt- $54.23
- Sweater- $25.44
- Kinder Surprise- $2.79

Younger Brother:
- Sweater- $25.44
- Chain- $34.97 (AMAZING DEAL!)
- Kinder Surprise- $2.79

Mom
- Michael Buble CD- $16.00
- Chi Hairspray-2 bottles- $22.58
- Serving Tray for Parties- $11.02

Dad
- Website= FREE!!!!
- Lounge pants- $9.99
- Box of Chocolates- $4.99

*A*-
- Magazine subscription (which he already knows about)- $76.65
- Other items (if I posted them, it would spoil the surprise!)- $180.43

Roommates-
- Shot glasses x 4= $18.08
- LCBO =$27.80
- Gift boxes =$15.14

Extras:
- Donation to Lymphoma Foundation of Canada= $100.00
- Donation to Charity for *A*'s Parents= $75.00

GRAND TOTAL= $790.44

If you recall, I created a Christmas budget back a few weeks ago and estimated my costs to be $690.00! So really, I was only a $100.44 off but still, its a lot of money when you think of how much you could do with this money that would last you a lot longer than a few minutes of excitement and thrill.

I could have really taken the cheap route this year considering I am paying off student loans and just started my first full time job and could have chinced out on gifts. I could have got everyone 1 thing and that's it.

But I don't regret spending this much on people I love- I don't get my siblings or parents anything for their birthdays during the year so this is my way to say thank you for putting up with me and showing them how much I love them :) I definitely love giving presents more than I love getting them so I am excited to see the look on their faces when they see what I got them!!

Ok, I take that back a bit- I do love getting presents a little bit.. *A* and I exchange gifts tomorrow night.. can't wait!

Monday, December 21, 2009

Christmas Holidays at work...

I wondered why everyone was so busy last week in the office, trying to get everything done before the holidays. I thought to myself- isn't anyone going to be in the office next week before Christmas? And the answer is- no! I should have known when the commute into Toronto this morning was better than usual. I should have known that there wasn't going to be anyone in the office when there was no line at the Tim Hortons and there was no one riding the elevators. In fact, it seems like NO ONE came to work this morning and I bet the rest of the week is going to be like this!

So my mind started thinking of possible things you COULD do at work if you really wanted too when no one was in the office. Mind you, I can't do these this week because I actually have work to do but if your boss was out of the office, you sure as heck could! Or if you have to work next week between Christmas and New Years which I think will have even less people than this week, then you could do any of these following things:
  • Watch movies
  • Watch re-runs of your favourite shows online
  • Blog!
  • Check out your bank statements/do personal finances
  • Do online Christmas shopping
  • Read
  • Write Christmas cards/thank you notes
  • Make To-Do Lists
  • Accomplish things on your To-Do List
  • Send overdue emails
  • Facebook (if you have it at work)
  • Plan a trip
  • Organize photos on your camera
  • Organize your files
  • Take up a hobby (i.e. knitting!)
  • Book doctors appointments, etc
  • Clean out your inbox
  • Research something you have always wanted to learn more about
  • Scrapbook

DISCLAIMER: I do not take any responsibility if you are caught doing any of the above activities or your work starts to deteriorate because of any of the above activities. These are only mere suggestions- do at your own risk :)

The Olympic torch picture as promised...


I apologize for the delay in posting this picture. As much as I love taking pictures, I always find it a bit of a hassel uploading the pictures and I never really find the time to sit down and upload them.

So here it is. I blogged about my Olympic torch experience last week when I was in Toronto. Here is the picture of the Olympic torch being held by one of the many torch bearers that night. It was an amazing experience- once in a lifetime kind of experience. I'm just lucky I got to see it!

2010 New Years Resolutions!!!


These are the goals and resolutions I have set for myself in 2010. Hopefully I have as much luck and willpower as I did in 2009 to achieve what I want:

1. Get promoted with my job- I would love to take on more responsibility at a higher level with my job if all continues to go well! I think I can definitely handle a more challenging position and are up for the task!

2. Find a city/town to settle down in- Once May 1st comes, and my roommates and I have to move out of my house in Guelph, I will have to move somewhere all by myself :( Unless, my roommates and I can magically stay together! I need to start looking for a place to settle down in that feels like home to me. Not sure if that is Toronto or not :(

3. Save $1000 for birthday trip to Vegas- I blogged about this a few weeks ago and I really want this to happen! My friends from home always back out at last minute so if I get things organized ahead of time, I should be able to get everyone on board to go! I have never celebrated my birthday before in fine fashion and why not do it when its my Champagne birthday!! 23 on the 23rd :)

4. Pay off half of student loan- I have under $20,000 on my student loan and ideally I would love to save $10,000 to pay it off. I could even try SUPER hard and pay if all over in 2010! That would be AMAZING! But I have to be realistic, so I'm going to say half would be just fine with me. After I get my student loan payed off..I have a few other debts I would like to get taken care of.

5. Do more schooling- I have always wanted to get my Masters but will have to wait another year or two until I have more work experience. I would love to do a course or two this year just to keep my skills up as well as learn about something that interests me- event planning, graphic designing, etc. We'll see if I have time in 2010!

6. Get my POC designation- POC stands for Professional Organizers of Canada. I may be a huge nerd but I have always LOVED organizing and find its a hobby of mine. I would love to get my designation so I can do a bit of part time work with organizing, event planning, etc.

7. Do more part time work- This goes along with #6 but beyond organizing, I would really like to continue to earn some extra cash by attending focus groups, doing odd/contract jobs on evenings and weekends, and continue to work as Marketing Manager for my family farm. I think if I can do all of these things, I could raise a little extra money to put towards #4!!

8. Learn to snowboard- One of my only epic fails from 2009, I would really like to take snowboarding lessons in 2010. *A* is really good at snowboarding so I figure he could teach me so then we could both snowboard together. I guess we just have to make the time to go to the Hills!

9. Go away with *A* somewhere warm- A and I have both never been away to Cuba, Mexico or any of those places where all my friends have probably gone like five times! We both really want to go somewhere as kind of a celebration gift to ourselves for graduating. I would love to do this in 2010, but considering I really want to go to Vegas for my birthday, and I'm paying off student loans, this may just not happen. At least I can dream a little...

10. Get a gym membership/start working out- I use to have one but with traveling to Europe, starting my new job in Toronto and the commute, I stopped working out altogether. I know this is a cliche goal to have for the New Year- almost everyone says they want to go to the gym once the New Year is upon us. I got inspiration from Carrie on the Cheap who wrote a blog post about how lifting weights really helped her lose weight and become really passionate about working out. Hence, why I have decided to ask for a set of 12,15 and 20 pound weights for Christmas!!

11. Twitter more- this is a last minute edition to my list but something I think is pretty achieveable. Since setting up my account this past year, I have only tweeted around 50 times which is pretty awful in the Twitter world. Here is my pledge to do better!