avatarJennifer Pitts

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ortfolio. I am a new investor in P2P (less than 2 years) and I am having quite good returns without much effort (between 8% and 13%) depending on the platform. There is a major risk I can see for P2P which is recession behavior. Most of the platforms, loan originators, etc did not handle a recession before so in my view that will always limit its weight on my portfolio. Same goes for private equity as liquidity is really long term and the failure rate of startups is really high. Therefore, little money goes into it.</p><p id="7cd1">So now let’s jump into the percentages:</p><figure id="daab"><img src="https://cdn-images-1.readmedium.com/v2/resize:fit:800/1*2Nyi3wM91bqGDAd4q83psg.png"><figcaption>Asset Allocation June 2019</figcaption></figure><p id="91ef">So as mentioned my stock market asset class is the biggest chunk of the pie. No surprise here. I do hold different accounts for different purposes and when adding everything up <b>I have 37% of my money directly and indirectly into stocks.</b></p><p id="0b84">Then in second place is money with 32%. Why? Several reasons actually. So a <b>6-month emergency fund that covers not only my monthly expenses but also some free-float</b>. Also, I am expecting some relevant expenses on furniture and house works in the coming 6 to 8 months so I am keeping more money aside.</p><p id="cbe1" type="7">“ I had the temptation of investing the money I would need in a short time frame and I got burned so I learned my lesson.”</p><p id="752c">Also, a possible recession or a strong pull back on the stock market, are other reasons that make me hold a little bit more cash than what I would normally do.</p><p id="5d15"><b>Then are my savings with 25%</b>. Money that is not really growing that much but I get some tax benefits with a guaranteed interest rate. I could argue this is not the best ROI products but bring safety and predictability to my portfolio.</p><p id="8dea">Finally, the 2 small chunks are just a way to get a little extra on money that I call the “play money”. I take the change the chance to have higher returns for a little more risk on money that in theory would not cause an impact on my financial life. <b>But obviously losing money always has an impact on any investor.</b></p><h1 id="12d9">The Next Month Plan</h1><p id="6632">Depending on how the stock market behaves the next weeks and whether we are expecting the Fed to cut rates we might have a small rally in the stock market. On the other hand, <b>we are still under a volatile environment with all the trade wars</b>. The bond market can also be seen as s

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ignaling a possible recession.</p><blockquote id="eabb"><p>So I might allocate some more money into the stock market if we have a pullback on the most recent uptrend. I am also counting on the tax return money in July so this would be fully invested into the market.</p></blockquote><p id="af66">Long term I wish to allocate more money into the <b>stock market and make it at least 60% of my portfolio</b>.</p><p id="f22b"><b>What is your portfolio allocation? Let me know in the comments below.</b></p><p id="0c6b"><b><i>If you like my content, please check my other stories:</i></b></p><div id="c544" class="link-block"> <a href="https://readmedium.com/how-to-work-a-financial-plan-as-a-couple-b4893a1f2f7"> <div> <div> <h2>How to Work a Financial Plan as a Couple</h2> <div><h3>Couples that save together, get rich together.</h3></div> <div><p>medium.com</p></div> </div> <div> <div style="background-image: url(https://miro.readmedium.com/v2/resize:fit:320/0*p-wypoDSyqh32muA)"></div> </div> </div> </a> </div><div id="1388" class="link-block"> <a href="https://readmedium.com/the-1-trick-that-is-changing-my-financial-life-8d6db8b820bd"> <div> <div> <h2>The 1% Trick That is Changing My Financial Life</h2> <div><h3>“Many times we override simple changes in our life due to the many deflectors we are exposed to every single day. No…</h3></div> <div><p>medium.com</p></div> </div> <div> <div style="background-image: url(https://miro.readmedium.com/v2/resize:fit:320/0*IIPoZ5npkpkPdu8X)"></div> </div> </div> </a> </div><div id="a186" class="link-block"> <a href="https://readmedium.com/the-net-worth-mission-june-2019-8f0b98f8a426"> <div> <div> <h2>The Net Worth Mission: June 2019</h2> <div><h3>Calculating my net worth should be part of my routine.</h3></div> <div><p>medium.com</p></div> </div> <div> <div style="background-image: url(https://miro.readmedium.com/v2/resize:fit:320/0*7qHO5puXMUoZmwFx)"></div> </div> </div> </a> </div><p id="c5ed"><i>Disclaimer: I am not a financial advisor. Always do your own research when investing in stocks.</i></p></article></body>

How About We Fall in Love Instead of Hooking Up?

A whole generation has created a hook-up culture that could be ruining the art of falling in love

By Gpoint Studio BADZ-X63aQ0

I find myself back on a dating app, and I'm becoming annoyed. This time I'm trying Hinge. Yes, dating apps have worked for many people. At least three of my friends found their love this way and have had successful relationships.

For me, though, I feel it to be quite bland. I'm a hopeless romantic, and I want my love story to come from organic soil where we plant our seeds together and watch our garden grow.

Every time I try one of these apps, I get my dopamine fix for about a day, swiping, giggling, checking my inbox, but of course, the drug wears off, and I'm left feeling disappointed because I know deep down inside experiencing love this way isn't for me.

But finding a hook-up, that's a different story.

We've become the generation of hook up culture, but we're left unsatisfied

I've been single for quite some time, about six years. I've indulged in a fling and a casual relationship. Both were vast experiences under my dating belt, but I was always left with this knowing that there was someone or a level of connection that I wanted to experience.

Real love. High-level commitment. We are vulnerable and show interest in each other's lives. We aren't settling because of the fear of not finding someone else and not having a wondering eye because we think there is always a better option.

The hook-up culture is fun for the moment, and it's a fantastic way to gain experience in the dating scene. It can teach you how to become social, which is a great skill to acquire, but most know hooking up turns into meaningless sex and can ultimately leave us feeling unsatisfied down the road.

Every time I experienced meaningless sex, it wasn't very pleasing. Too many drinks and a man just bagging me to have an orgasm so he could feel validated was highly mundane. But that's hooking up; that's the level you get without the romance and falling in love.

Of course, meaningless sex can turn into love. It just hasn't for me.

We have replaced love with sex

Getting wasted and meeting someone at a bar is about as romantic as it gets for some. We don't take our time with each other when we like someone. We seem to validate our feelings with sex instead of allowing the spark to blossom into the possibility of love.

For some reason, many of us are afraid to fall in love, and it makes sense. Love is the highest positive vibration when it comes to our emotions. Love makes us vulnerable, and it requires us to trust, in ourselves, in someone. If we get it wrong, love can destroy us, and if you've ever felt heartbreak, it's one of the most unpleasant feelings you can experience. The disappointment can leave you with a hardened heart and avoid love at all costs.

Sex without love is easy. You have more control of the outcome, it's easier to disconnect from the connection, and you won't always have someone taking up space in your head.

But the thing is, we need and want love; we are human and loving ourselves, and someone else is the highest level we can achieve for optimal satisfaction in our lives.

Romance is becoming extinct

When growing up, my generation usually hooked up before any romance. Romance is considered Netflix and chill or hanging out. Even if we decide to go to a restaurant, we don't call it a date. Having sex before falling in love is the new normal when it comes to relationships.

I noticed with my dating experiences that if we had sex too quickly from a hook-up and then tried to move into a relationship, it became bland quickly because we didn't delay the sex and allow for intimacy to strengthen. We both lost interest in each other which is why hook-up connections can burn out over a few weeks or months.

Dating websites can make us feel jaded and uninterested because they are superficial, and we can order someone new with a swipe like we can order our fillet mignon from the door dash app. Receiving a dick pick has replaced flowers, and late-night booty calls help to avoid intimacy.

Sometimes I wonder if we deleted the dating apps would we take notice of the people right in front of us.

Would we revive romance?

In closing

A few years back, I went on what I would call the most authentic date I've ever had. It was awkward and nerve-racking. As we watched the concert, I almost spilt my drink which had my date reaching out and saving it; we clasped hands and sat watching the rest of the show cuddled up.

We didn't indulge in a late-night kiss when he dropped me off. Still, a whole lot of confusing feelings stirred in me for months because it felt real, and because we both come from a generation of emotionally unavailable people, we didn't know how to open up.

To have that kind of experience again would be a blessing because that's what romance entails, the awkwardness, the unknown but most of all, the trust that falling in love is as good as it gets.

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Copyright © 2021, Jennifer Pitts, All Rights Reserved.

Sex
Love
Dating Advice
Dating App
Life Lessons
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