Brain damage , experiences and everyday life

Brain damage , for most people something they can’t really get grips with. It’s hard too imagine one day waking up and being unable performing even the most basic of tasks without these simple things being incredibly difficult. And in most cases it’s ‘ invisible’ . Nearly 3 years in too my recovery I have learned a lot. Maybe I have written about some aspects in earlier posts but it helps putting my thought in order, so bare with me.

After my revalidation process where I learned how to handle the most mundane daily tasks, comprehending my place in the larger world began. Where the first steps were about not forgetting putting out the stove when going outside, taking your keys when going out, and more of the sorts. It was now about issues much bigger. What is my place in society , what can I still offer in terms of work, helping people and what are achievable goals for me?

These questions were much harder too awnser than expected. During the second year keeping the routines as learned during my recovery had the priority. Creating a stable day to day environment was one thing I underestimated greatly. Easy weeks give a false notion of being able to do more or a lot more the following week or weeks.

All too soon the I found this to be a mistake , your efforts need to be in balance , creating a tension between rest and activity good enough to keep you going. An excess week in efforts will cause weeks of instability.

After the second year and getting a rhythm going, it was time looking ahead. My internal optimist was still thinking in terms of careers , and being ‘normal’ again. The first difficulty came when looking for sorts of an internship where I could experiment with how far I could go and what I could still do within a working environment.

Everybody I had been speaking with was full of admiration with my commitment and tenacity but ultimately most didn’t see a possibility for me working with them. Doubts about risk and the practical issues with providing me with the right support were dealbreakers.

Fortunately you just need 1 person taking a leap of faith. Which in my case someone did. It is of the utmost importance to be joining society again, in any way, in this case being back in a work environment. I have the freedom setting my own limits , have a group of very friendly colleagues, there are coffee machines (you miss those when not around). And most importantly I have work at my own level and in my old profession.

These seem small things but very important in terms of your self esteem. It’s also useful with planning your weekly activities , parts of it are filled with work and I don’t need to fill in my own. You get out the door and there is a rhythm.

Getting back in my area of expertise was very important , where learning new things doesn’t come easy if it’s related too older knowledge which I had before my brain damage it’s much easier. I am a lot slower and I can manage far shorter hours of focussing and need a lot of rest. But by relying on some basics from the past it’s easier to maintain. It takes less energy than totally new stuff.

I have tried learning something new. Working with my hands for example. Fixing bikes, soldering and the like. Fun as a hobby maybe, but it took me ages and lot’s of energy getting the most basic routines under my belt. My motor skills were simply not good enough anymore. This way proved to be a dead end.

Returning in my old profession, albeit at a slower pace and less demanding, proved vital in my succes in the workplace. A lot of people try different professions after a serious accident and recovery, and for me this was a first reaction, let’s learn something ‘easier’ than I was used to. This turned out to be the wrong way. At least for me. Maybe there should be a bit more room for exploring the stuff people already know before doing new things. For one I am not less intelligent , just a lot slower. A full time job is hard but it doesn’t make you a complete ‘write-off’

So all in all getting back in my old ways is a good thing, and has resulted in a parttime job. I have left the idea of full time employment. It’s still in the back of my head though. And I will try and bent it a bit further in the future. For now it’s been a boost in self confidence and gives back a bit of independence. Very important indeed.

Society is equipped for people who can run at full speed within the society. Preferably a bit faster. As soon as you get to an abrupt hold , for whatever reason, it’s very hard getting back in. In theory there are guidelines, programs and projects aimed at letting people with a disability being part of society again.

All good intentions and efforts aside, theory and practice are far apart. I have been lucky, met the right people willing to help at the right time. Others are not as fortunate and have daily hindrance on top of their usual problems. It takes an extra toll on these people. Because I know they would love to find a place to make a positive impact on society.

October 2019 – Dividend

October again, and it’s time for my monthly dividend statement. Yet again a steady growth. It’s considering the current interest rate climate all too easy to praise dividends.

But there is a but, the risk is significantly higher. So always invest for the long term, at least with a 20 year horizon. And with money you absolutely don’t need for the foreseeable future. Don’t chase the next hot thing. Make a plan, and stick to it consistently. And let time do its job.

Maybe these warnings albeit a repetition are still worth mentioning. A lot of people talk very casually about investing as if they are as secure as an ‘old fashioned’ savings account. Well they are not. Be sure too understand the basics of finance, money and time before doing anything. Read a few books on money and finance in general. And then start reading up on investing. And make sure you read even more on risk. Not just financial risk, but risk in general. There are numerous non financial risks in your life which will impact you personally and financially. Such as job and income loss, divorce , illness. Read about how to cover those risks. Life is 90% other stuff rather than money. Albeit a lot of people feel otherwise. Think about what you want in life first and foremost. Think hard. And then make a plan on how to get there.

Well after this short intermezzo, it’s numbers time.

DateStockCurrencyAmount
23-10-2019Cisco systemsEUR8,83
16-10-2019W.P. Carey EUR9,33
09-10-2019Vanguard FTSE All-world UCITS ETFEUR101,18
01-10-2019Coca ColaEUR5,41
01-10-2019NikeEUR1,98
TotalEUR126,73

Under 3 – New training schedule

Part one of my second attempt at running a sub 3 hour marathon has begun with testing out a new training schedule. It’s not that different from my old one but has some significant improvements. It has 6 instead of 5 runs a week , and more marathon pace km’s in it.

This week started of easy with 4 short runs with a distance of 6,5 km, one 10 km hill training and a long run which consisted of 16 km. Next week will be a similar week with slightly more km’s.

I looked into my previous schedules and the corresponding times I ran the miles at. Which made clear I ran my long runs were structurally too fast. This is a point I think I can improve my training quality on by watching my pace more. Which should result in a better condition and faster recovery. Although in the past the faster pace in the long runs didn’t really seem a problem. But science tells it’s contra productive to run your long runs too fast.

The idea is to test the new schedule before I start my training period for Dusseldorf, getting a feel for the new training load and see if I recover fast enough and don’t get injured. The journey has once again started !

Option trade diary #6 – Ahold Delhaize

Well time for another option strategy, a pretty simple one and this time the example is based around Dutch supermarket giant Ahold Delhaize. One of my favorite stocks with a nice dividend. It’s a stock with not much in the way of volatility. Which means writing calls and puts is the way for me. As I always have a position in Ahold I can simply write call options on the shares I own and write put options at the price I bought them for in the past. Which mostly results in getting the premium.

Worst case scenario is I have to deliver the shares which I own against a tidy profit or I can add a few shares with a bit of a discount. I do this with option expiration dates between 1 and 3 months. So short term positions. As this is a bit riskier as opposed to maintaining longer timeframes make sure you cover your written calls.

Which ensures you can deliver the number of shares you sold call options for when you get assigned, or have enough cash at hand to buy them when your put options get assigned. This way you will not be in for a nasty surprise when things don’t go your way.

There is always the possibility of rolling the options on towards future dates. Which is perfectly Ok but is a bit more maintenance and more risk. You buy the option back, and sell another option with the same strike price a few months down the line. And wait for more profitable times. Especially with written calls the losses can mount as in theory the share price of the stock can rise indefinitely.

So in this case I keep it simple and have all outcomes covered. It’s just easier and I don’t have to think about it.

This strategy can be very useful in sideways markets or slight downturns, making a few extra bucks on the side. Mind the volatility of a stock, as this can greatly enhance the intermediate risk of these positions.

Until next time , have fun and as always do your own research before buying or selling anything.

Under 3 – A new attempt

While preparing for my last marathon I set a goal , running under 3 hours. At the time it meant a 18 minutes discount from my personal best. Quite a bit, and a reach. But the effort of chasing this goal was a new Personal best , 3:09:25. Excellent progress, and thus proof that setting goals is a very rewarding activity. Now it’s time to try again.

The goal remains the same. A sub 3 hour marathon, the same location, Dusseldorf. What will be different this time is my training method, amongst other things. I have been training with a schedule for running a marathon and getting across the finish line in one piece. Which was a feat in itself 3 years ago after suffering my brain damage. Running saved my life when I got ill, simply because I had an excellent fitness level. Ever since it helps me function within my new boundaries to the best of my ability. So largely because of the running and the discipline it brings I am were I am today.

All the more reason to set this goal and get cracking. So the training schedule will be different. So the first step is figuring out what it takes for me to be able to run under 3 hours.
In the meantime I will keep training as usual. until I am largely confident of my new direction.

The second step will be nutrition , I already eat as healthy as possible without overdoing it. Om my longruns I always bring food and drinks , mostly gel and bananas for the food part. Only problem is I mostly don’t eat it. I simply forget when things go smooth, and when things get though, only then I start eating. Which means I am always too late.

When racing a marathon I never forget, simply because all the stations which can’t be overlooked.
But in order for me to get the most out of the nutrition I need to practice more. I am now looking into simply setting alarms on my watch so I don’t forget. Also the recovery food after my run can do with an improvement. So lot’s of work on that front as well.

Third step is a more efficient resting method. I already need lot’s of rest because of my brain damage. So I am not really sure how to improve this bit. I will need some research. Anyway I will update as much as possible on my progress and process. Until next time !

September 2019 Dividend

Another month in the dust, thus time for a dividend update. This month there are a few new dividends paying out due to the growth of the protfolio. Also a few, one bank and two insurers, which are a bit of a coincidence , as I bought the shares for option construction purposes and was expecting having nonen of them at the time they were handing out the dividends. Nonetheless it’s here and I am clouting it. A bit of luck really.

Its yet again a nice improvement from last year, although a bit skewed with the Dow Dupont merger and split process and the dividend by accident with the bank and insurers. It’s good to have a growth and progress in the portfolio. It keeps one motivated !

See you all next month.

The numbers:

DateStockCurrencyAmount
28-09-2019Vanguard dividend appreciation fundEUR1,51
20-09-2019AegonEUR15,00
16-09-2019Corteva IncEUR0,35
16-09-2019DowDuPont INCEUR0,82
14-09-2019Dow INCEUR1,91
12-09-2019MicrosoftEUR8,36
11-09-2019NN GroupEUR76,00
11-09-2019UnileverEUR8,21
06-09-2019ASREUR70,00
02-09-2019ABN AmroEUR60,00
TotalEUR242,16

August 2019 Dividend

It’s been a while. Writing articles got a backseat to real life. So I am a bit behind. But we’re back. With August and the monthly dividend report. It’s the usual really. An increase in dividend income comparing the numbers with last year. And not surprisingly because of the fact I am still building the portfolio.

Another reminder of how important it is to be consistent and dedicated, it works. It’s better too invest a small amount consistently , then larger amounts when you have money ‘left over’.

Another fact of life, the world is still in turmoil. Brexit, nationalism, trade wars , oil you name it, it’s happening. Just the day to day madness really. Just keep building that portfolio and stay calm. One step at a time upon the ladder of investing.

Ok enough talking, it’s numbers time :

DateStockCurrencyAmount
02-08-2019Amsterdam CommoditiesEUR24,00
12-08-2019NSIEUR12,48
12-08-2019INGEUR24,00
15-08-2019AMGEUR20,00
15-08-2019AppleEUR10,40
29-08-2019AholdEUR30,00
TotalEUR120,88

Option trade diary #5 – Advanced metallurgical group

This one is not for the faint of harted , today in my option diary series , Advanced metallurgical group. Which in a very short description makes difficult products out of precious metals. With emphasis on difficult, and precious.

It’s a very hard and volatile market on any given day, it’s a highly cyclical business and it’s always at the forefront of any wrinkle in the market. But it’s a nice stock to own just because the stuff it produces is only getting harder to come by and it’s something which will be more expensive in the future , and since were here for the long run , this is worth a bit of a gamble. So I sold two put options.

These are the options I sold :

AMG Put 14.00 20 December 2019, for 50 Euro’s
AMG Put 18.00 20 March 2020 , for 175 Euro’s

As you can see, these were sold right before a dip in the market due to tweeting presidents and the like. So my timing was a bit off. So this case shows this stock can fluctuate a bit , I told you so. Target is 50% or less before I buy them back. See you next time !

July 2019 Dividend

A new month, a new dividend round. And another nice monthly revenue, which in most part because of the ever growing portfolio , not so much extreme dividend increases. Around 167% more. Seems steep but mostly because of the growing number of shares and ETF’s which pay out. Compounding interest at it’s finest. The 8th world wonder some say. Exactly as it was intended. A nice bit of passive income.

We live in strange times, as always maybe. But it’s rather strange indeed, geopolitics, environment and economical. The switch towards a more sustainable way of living which is upon us. Which has not yet been seen in any of the current driving numbers. It’s time we look at things in a different perspective. Calculate our production and profits not just in money and growth. Take into account things like health, impact on the environment and our surroundings, happiness and more of these kind of parameters. These should all be taken into account when calculation the gross national production of countries or the results of any company.

Unfortunately we are not there yet, until we are it’s all about the benjamins. Speaking of which , here are the July dividend numbers :

DateStockCurrencyAmount
25-07-2019Walt Disney CompanyEUR0,68
24-07-2019Cisco SystemsEUR8,83
16-07-2019W.P. Carey IncEUR9,32
11-07-2019Vanguard FTSE all world UCITS ETFEUR114,27
05-07-2019Unibail - WFDEUR16,41
02-07-2019Porsche automobil holdingEUR22,10
02-07-2019Nike IncEUR1,98
01-07-2019Coca ColaEUR5,41



TotalEUR173,59

Option trade diary #4 – Heineken

Another new position, this time Heineken. Also a bit different this time it’s a written call option instead of a put option. Which means I am bound too deliver the shares at the strike price up until the expiration date. There are two ways to go about this. Covered and uncovered , when you write a covered option this can be done when you have the shares in your possession. You expect the shareprice to stay more or less the same or go down and the option premium is a bit of an extra result on your stock position. You are covered by the fact you own the right amount of the stock. This can also work against you, when the share rises above the strike price effectively limiting your profits, which will be strike price plus option premium.

This is the easy way of covering, there are other ways , but those are for another post and another time.
Leaves us with the second variation, writing uncovered calls. Which means you don’t own the right amount of stock and you gamble om a downturn in the share price. Your potential loss is infinite as the share price can rise well above your strike price and when called upon too deliver , you will have too buy at market price.
You do have the option to buy the option back at any given time. So before you do anything be well aware of the risk and your risk appetite.

That’s the theory behind it in a nutshell, back to the position itself. Heineken’s share price rose above 100 Euro’s last week, at that time it got me thinking the valuation seems a bit high at the moment. The last jump up was also quite significant. Nonetheless Heineken remains a very solid company with great dividend history, worth having in any portfolio.

So I took a bit of a gamble and sold a Call option, strike price 100 euro, expiration date 15 December 2023. At 12,50. And I have set a goal buying the option back at 9,25. Let’s see how this works out.