how to not feel retarded?
i feel retarded for doing 5 years of grad school, instead of getting a job with 100k plus salary and the raises i'd have gotten.i feel retarded for not buying crypto, even just $20 or whatever. i feel retarded for moving in with my girlfriend prematu...
jezus my brain is fucked up i thought this was amazon's "my iq too low" guy again lol
hey everyone,

i was in a similar spot last year and was going through ft recruitment without having a major banking internship on wall street. i come from a super non-target and ended up doing a masters of finance this year at a decently known school. by being super diligent and persistent i was able to land a job on the street. my advice if you are coming from a background like mine would be to find an internship whether paid or unpaid that offers some type of transaction experience over this summer. my girlfriend is an artist and majored in art and english literature. yet i'm far more well-read than her in literature, am arguably a better artist and writer and of the two of us i'm the one currently in the process of a publishing company startup. she's also agreed hands down that i'm smarter than her despite her being older since i can tell you tons of useless fact shit about geography, history, i know the extensive history behind the opium wars and shit like that whereas when i start down one of these long lectures she'll just stare at me like "uhhh". there are two reasons for this: a: i never felt a classroom conducive to my learning experience (since the education system is fucking shit, it was concieved at the turn of the century during the industrial revolution when little worker bees were needed and the system is therefore a way to create workers, yes men, not leaders and innovators. if there was something i was interested in during my high school days i went out and i learned about it first-hand. i read tons of books that interested me, i went to writer's guild meetings and read about all of the cliche's and processes of the industry. i self-published my first full-length novel when i was 19, it failed spectacularly because i knew next to nothing about marketing, promotion and advertising. so what did i do? i got into sales, started working sales jobs, learning how to market, promote and advertise and reach and engage existing and potential customers. when i decided i wanted to start a publishing company what did i do? went into other publishing companies, introduced myself as their potential competition and asked to go over their processes and strategies with them. i then realized i knew next to nothing about running a business or handling finances... so i got a job as a customer service rep at a bank, essentially a loan officer. handling day-to-day finances, helping out with business accounting and handling customer processes, all the stuff i'd need for my own company. b: i was alone a lot when i was younger. as a kid i had a lot of time to learn because i never spent time partying, having sex or drinking or even hanging out really. i had no one to hang out with. so my time was simply divided between me and... me. i learned everything i needed to and now it's all coming back to benefit me. don't get me wrong my gf's party days (which still continue now) were great, but they deprived her of the potential learning time she could have had to my level. i entered with no major (the "no major" option in community college is "liberal arts"). then, i majored in film after finishing the gen ed courses and going to university. (yeah, i knew it was risky, but i figured i didn't want to regret what i chose in college and wanted a career i could enjoy more than a safe bet.) after six months, i realized that film school is very stupid. but also, they're full of super-woke lefties, so i got the f*ck outta there.i switched my major to english; which is a more employable, more broad version of the same thing. i always wanted to be a writer and producer (still do; honestly; i've written a lot and come up with many show ideas). you can get a job as an entertainment writer with an english degree, but also do so much more. i was wrongfully expelled from my first university and spent three years in a lawsuit against them, which messed up my rate of getting a degree by a lot. i had to start most of my classes all over again in a new university while waiting on the lawsuit. by the time the lawsuit settled out of court for a measly $43,000 (which had a stipulation in it that all of that had to go towards school and tuition; i couldn't get to keep anything for myself), i graduated, and went for my masters in english for another two years. i only just got my masters in may of 2019. so i switched my major twice. now i'm a teacher in korea with a masters in english. i don't regret it, but the unjustified expulsion and lawsuit really f*cked up my path in life by three years. sounds like my friend rushing to build a family a keep telling him to relax it takes a life time to build a family rushing in does not help and you end up with a bad relationship but he still does not learn i just had a real heart to heart explaining this to him a hope i got across. with your situation you will find that more with older guys who are already at the point of settling down you will see that more with older people who are in a stable job have a home and are basically preparing to start a family or have already had a family you see this with guys that have kids and or never grew up in a complete family themselves so are rushing to create one for themselves as it's what they missed out on as a child A. It’s difficult to assess the seriousness of this on the basis of only a letter so let me just share a couple of thoughts.

People by nature tend to fall somewhere on a scale from introvert to extrovert. It may be that at least part of this is that you are on the introvert end of the scale. There is nothing wrong with that! But, the larger culture celebrates extroverts. In high school, the general idea is that everyone is supposed to be outgoing and popular. Of course, not everyone can be. Not everyone wants to be. So let’s at least assume that part of what goes on is that you have a more restrained approach to life. One thing that supports this is that you do have a couple of close friends and that seems to be enough for you.

As for being out with others: I wonder if you have developed the skills you need to be comfortable out in the social world. Introverts can and do learn how to manage social situations enough so that they can be successful in their careers and can find loving relationships. Notice that I said “skills”. Skills are behaviors you can learn (like how to make small talk, how to be an active listener, how to be a good communicator, etc.). As you get more practiced in these skills, you will be more comfortable being with people for longer periods of time. But you will still need your alone time to “recover” from a lot of social interaction.

The line in your letter that does worry me is your statement that you can spend hours holed up in your room and in bed. Yes, you may need time to recharge your social batteries but it would do a lot more for your self-esteem if you would use that time to pursue an interest or to do something to make the world a better place. Think about ways to support a cause or candidate or to educate yourself about something you are genuinely interested in. You will feel better about yourself than if you just hang out wondering if there is something wrong with you. An important bonus is that it will give you more to talk about when you are with people.

I hope this is helpful. I wish you well.  
 Dr. Marie

I Want or Need to Be Alone first, thank you for serving our nation.


second, it will be important to understand your stage in life. presumably, you may be turning 19 after your a-levels or 20 after your poly studies. either way, you are young and have a long investment runway ahead of you.


third, where can you place your money while you serve the nation for the next two years?


www.squirrelsave.com.sg


assuming you can get emergency funding if needed from your parents, then you must decide the risk you want to take in placing the money.


the safest (lowest risk) with no return is to literally keep your money in the safe. that’s not the best way frankly when there are slightly riskier ways to grow your money with decent returns.


one possibility is to place into a bank savings account in singapore, preferably in a fixed deposit which offers a higher return than the basic savings account.


however, i would recommend investing in a well-diversified global portfolio, especially when you have two years of runway to grow your money. after all, it will be good to have good returns after you complete your national service to help you meet expected expenses when you further your studies or take a well-deserved holiday.


investing globally is easy with robo-advisers. pick one which is fully automated where you don’t have to make decisions except how much to invest. in selecting the robo, check if the risk management is done by machine learning ai or if it is managed ultimately by a human manager. diversification requires massive data analytics, which is not humanly possible. yet it is easily done with the computing power available today.


before you start, you need to know or select your own risk profile. it is not easy as most people do not do what they say. further, conventional risk profiling poses technical questions which some people may not fully understand. instead, look for risk profiling tools which reflect your personality and risk-reward behaviour. using such a tool that can analyse your risk-reward attitude is a critical step to start your investing journey.


www.squirrelsave.com.sg i would say they are a blessing cause it led me to the man i am with now. i started out on online dating really young. my parents were very strict no boyfriend until i am 18.. everyone at school had boyfriends and teased me cause i didn't so i went online and found a guy in indiana and dated him online from the time i was 16 to 18.. he came met me and my parents then i went to meet his parents and thats when i got the concussion that turned my life upside down.. when i was told i would never walk again (so thankful to god that turned out to be false) not even a week later he was gone and good riddance too! when i was 21 i moved to a new area and i grew up very sheltered so i had no idea what i was doing. i was going to be going to college soon after meeting 5 guys dylan, ryan, donald, justin and antonio.. dylan was the only one that understood it was just companionship i was wanting.. the rest wanted to sleep with me. had on my profile getting ready to go into my first year of college would like a loving, caring, thoughtful man by my side but hed have to know college will be my focus for these two years then we have the rest of our lives. but i realized that was too much to ask. went on many one meal dates after i was done college cameron, josh, matt, sean, scott, ben, will, andrew, curtis, trevor. nothing came of them all great guys just not great for me. tried to see dylan again but he wasn't interested he was more depressed couldnt shake him of it.. then i met david he was everything i wanted in his speech but he turned out to just be a fine talker and his actions didn't line up.. so it was hard to get rid of him dated a month took 2 to get in his head i wasn't interested.. then my parents and friends kept trying to set me up. so i thought if i dated someone farther away probably better so i dated jean-francois well i got a surprise im here message one saturday and he was great just when i went to his place i didn't feel at home he had no interest in moving here and i didn't want to move there he kept trying to pressure me to so i lied to him said i wanted my roommate since he kept on thinking we were involved but no taylor was like a big brother to me.. he wanted me to get a new place nothing ever made him happy technology wise if a new thing came out he had to have it making fun of my a5 phone yes its old but it still works :) so i felt almost not good enough for him.. then i dated another david online i never got the opportunity to meet i would really like to meet! he is absolutely amazing i think but after being misled before i didn't want to risk moving. then decided well fuck i must be the problem guys in person wanted to date me but if we dont agree on fundamentals there's no future! a guy online you can discuss these things better to ask what they are looking for then answer that question cause you could get played. so i took 6 months to myself avoided all family functions.. i prayed every day god would lead me to my husband.. i only dated guys i could see myself married to or if they convinced me they deserved a shot. i didn't ever want to date just to date. i wanted the next guy i dated to be my husband and we met on okcupid and was on the app less than a week when i met him felt like i always knew him and i just knew this is it and a year and 9 months still going strong. so as long as your prepared for things to not go as you expect your fine.. the guys i dated online were 100x better than the guy i dated that was a customer at my work. online your safer behind a screen and you meet in a public place after one meal you should have a good feeler on the person. its easier to say i think your a great person but i dont think wed be a great match because... i wish you the best of luck.. hope you find what your looking for.. they usually say thanks you too! friends or associates you already know in person are more stubborn and take things more personally when you dont think they are your type. I was actually commenting to myself just today that I hadn't seen one of those notices in a while! I had assumed that it was because all my skills were very weak but I strengthened them and still no annoying notification! I am so glad it's not prompting me to translate anymore, although it does detract from the encouragement factor. I was always happy to see the percentage I could read go up. i understand in the old days, you did asked around to your friends and family, or teachers. and everything was a hush hush bc we didn't have the advanced technology that we got now. the books were another way of getting further information too, and dictionary and thesaurus were big part of how to communicate with everyone around in society. lots of information was learned and apply in reality right away, and we became pretty much smart by keeping our brains active and resolving our own problems and then we taught others by teaching them about issues i learned along the way. if i wanted to learn anything it had to be done in pen or pencil and in writing it on papers, and keeping things as a record too. time has change, now its a chore to write, a chore to think to keep our brains active, chore in lacking to ask questions that we might think its stupid so our computers now do the asking for us... there's nothing left that we need to do personally by hand that enables us to think logical bc our technology is so advance that now we are becoming lazier and not so active in going out anymore. sad really. i rather not have technology only for job or a cell phone for emergencies only. but thats not reality now, i got it all bc i have too. columbia and yale are really hard to get into. nyu is difficult too, but not quite as expensive and more realistic (not saying you cant get into the others, you definitely could, but nyu is just as good in my opinion). and your gpa is great, mine was only an 86 and i got into the university of rochester (didn't go due to costs), so a 90 could definitely get you into even better schools. i also didn't have a job, didn't do any sports, nor did i participate in any clubs or orgainizations (funny thing is, i'm doing all of that now that i'm in college). you'll do fine, just as long as you make the most out of the rest of this year and especially next year. take a lot of ap's, seriously, they're probably the reason why i'm not going to a community college. get a summer job. you're already in a sport, so you're good for extracurriculars. also, take the act. it's more practical and, in my opinion, easier. i got a 1370 on the sat but a 32 on the act, which is the equivalent of a 1440. colleges don't even care which one you take now anyway, and you could always take it again (i did for the sat, raised my score 150 points the 2nd time). gpa isn't as important as everyone makes it out to be, but you should still keep it as high as you can.