First sentence / Prva rečenica

Yesterday morning Adrian managed to say his first sentence…It was a mixture of Swedish and Bosnian and he said “dje je apa?” (gdje je (bosnian: where is) apa (swedish: monkey) meaning “where is the monkey?
All three of us Ada, Ensar and I where in the room as he said it and we got all caught by the surprise but we got also very happy and proudJučer je Adrian izgovorio svoju prvu rečenicu…Jest da je bila mješavina švedskog i bosanskog ali razumijeli smo ga. Rekao je “dje je apa?”. Apa je na švedskom majmun.
Sve troje (Ada, Ensar i ja) smo bili u sobi kad je Adrian izgovorio rečenicu i prvo smo se začudili ali smo poslije postali jako ponosno i sretni što je uspio izgovoriti čitavu rečenicu.

Shoppomania/ Šopomanija

In my deepest misery I was buying medicaments like people buy candies. I said to myself, when I get better I will go to the city and I will buy anything I need.
Last week then I felt a little bit better and went for a spontaneous coffee with a friend…ending up in Tk-maxx AND Roppenheim outlet in France. I bought 3 pairs of Asics, 2 pairs of Levis, shoes for the kids t-shirts, a jacket, sun cream, a day moisteuriser, a night moisturiser, a serum from instytutum and a pair of sunglasses. I have to say I prefer buying things like that than medicaments 🙂 

U mojoj najdubljoj bijedi kupovala sam lijekove poput ljudi koji kupuju bombone. Rekla sam sebi čim budem bolje, idem u grad i kupiću SVE što mi treba.
Prošle sedmice sam se tako malo bolje osjećala  i odem na spontanu kafu sa jednom prijatljicom … završivši u Tk-maxx I u Roppenheimu u Francuskoj. Kupila sam sebi 3 para Asicsa, 2 para Leviski, tene za djecu, sebi jaknu, kremu za sunce, dnevnu hidrantnu kremu, noćnu hidrantnu kremu, serum od instytutuma i par sunčanih naočara. Moram reći da više volim kupovati stvari poput ovih nego trošiti pare na lijekove 🙂
Spring is coming, girls. Time to dress up!
Cure, dolazi proljeće. Vrijeme se srediti!

Fonds / Fondovi

Last couple of months I have started saving in different funds. The problem I experience is that I cannot buy foreign stocks on my Swedish accounts because I do not live in Sweden and thus funds have became the only way I can diversify my portfolio towards a more global spread. But also, I do not have the time to check separate stocks and I feel that a fund is a good way to get stocks that I like.
I decided on funds that are not having a very high management fees (except the Ny teknik -fund that has it). Having these funds I actually get access to companies like Alibaba, Samsung , Alphabet (Google), FB, Investor and so on.

So the funds I am regularly buying are (management fees in %):

  • SEB Sverigefond (1.4%),
  • Spiltan Aktiefond Investmentbo (0.27%),
  • Swedbank Robur Access Asien (0,2%),
  • Swedbank Robur Access Global (0,27%),
  • Swedbank Robur Ny teknik (1,36%) and
  • Spiltan räntefond Sverige (0,24%).

The Räntefond is a bond fund that I hope will be a little like an airbag in case of a stockmarket crash.

Funny now, when making this list I noticed that I am buying the wrong fond SEB Sverigefond instead of SEB Sverige Indexfond that costs 0.42% in management fee instead of 1.4%, but also I should probably start relocating some of the savings to the more stable bond funds.
The minimal sum of investing is 10 Euro and there is no brokerage fee when buying funds (in Sweden).
These are also not a recommendation but everyone has to make their own choice of which stocks or funds to buy.

Here is a fun page where you can enter how much money you save and the effect of the compound effect has on your saving.

Posljednih par mjeseci sam počela štediti u različite fondove. Problem koji doživljavam jeste da ne mogu kupovati inostrane dionice na mojim švedskim računima, jer ne živim u Švedskoj i stoga su fondovi postali jedini način na koji mogu diverzifikovati moj portfolio da bude više globalnog izgleda. Odlučila sam kupovati fondove koje nisu skupe u menedžmentu fonda (osim Ny teknik fond). Imajući ove fondove, imam udio u firme poput Alibaba, Samsung, Alphabet (Google), FB, Invesor i tako dalje. Dakle, sredstva koja redovno kupujem su (naknade za upravljanje u %):

  • SEB Sverigefond (1.4%),
  • Spiltan Aktiefond Investmentbo (0.27%),
  • Swedbank Robur Access Asien (0,2%),
  • Swedbank Robur Access Global (0,27%),
  • Swedbank Robur Ny teknik (1,36%) and
  • Spiltan räntefond Sverige (0,24%).

Räntefond je kamatni fond koji (se nadam) treba biti poput airbaga u slučaju pada na berzi.

Smiješno, sad vidim kad sam pisala listu da kupujem pogrešan fond!  SEB Sverigefond, koji košta 1.4%,  umjesto SEB Sverige indexfond koji košta 0,42% godišnje. Najvjerovatnije bih trebala početi prebacivati neke štednje u stabilnije kamatne fondove.
Najmanji ulog za kupovinu fondovoa je 100 kr (ca. 10 eura) i nema courtage koštanje, zato je dobro redovno štediti u fondovima.
Ovo nisu prijedlozi nekome za kupovinu, nego samo fondovi koje ja sama kupujem. Svako mora za sebe odlučiti šta će i ako će kupiti.

Ovdje možete da izračunate koji udar ima kamata na vašu dugoročnu štednju.

Hope / Nada

A healthy man has thousands of wishes, a sick man has only one…After having have experienced the worst month and a half ever it has made me think of myself. Last week I got tonsilitis, otitis a headache from hell where I had the feeling that my head will literally explode. No painkillers helped. My balance crashed, the fever was high no matter what I took. I dehydrated, I puked so finally the emergency docs had to come to check me up. My ligaments where hurting. I was lying for days in the bed. Whining of pain. sleeping and not sleeping. I don’t even know anymore. In all this misery I wondered how do people having much more serious health problems motivate themselves?

For the first time in weeks I felt good enough to get out from the apartment. It felt wonderful! This simple thing to take a walk is just magic. Unfortunately it is not in Hagapark or at the magic place in Ade in Krupa but still. It is good enough. Today, I had a walk in a small forest and felt hope when I saw the anemones. I am almost through this illness and I am lucky I made it. It is almost over. The spring is back! I am back…I hopeZdrav čovjek ima hiljade želja, a bolestan samo jednu … Nakon što sam doživjela najgorih mjesec i po dana otka znam za sebe, navelo me da razmislim malo o sebi. Prošle nedjelje sam dobila gnojnu aginu, upalu usiju, glavobolju iz pakla gdje sam imala osećaj da će mi glava bukvalno eksplodirati. Nijedan lijek protiv bolova nije pomogao. Moj balans se poremetio, temperatura je bila visoka bez obzira koje lijekove sam uzela. Dehidrirala sam se, tako da je na kraj doktor iz hitne dosao da me provjeri. Zglobovi su me bolili. Lezala sam danima u krevetu. Plakala sam od bolova. Spavala sam a i nisam. Vise i sama ne znam. U cijeloj ovoj situaciji sam se pitala kako se ljudi, koji imaju mnogo ozbiljnije zdravstvene probleme, motivišu?

Po prvi put u zadnjih par sedmica sam se osjećala dovoljno dobro da izađem iz stana. Bilo je divno! Jedna obicna stvar poput šetnje moze da bude poput magije. Nažalost,setnja nije bila u Hagaparku ili na čarobnom mjestu na Adama u Krupi, ali ipak dovoljno za sad. Prošetala sam malo kroz šumu i osjećala sam nadu kada sam vidjelao anemone. Skoro sam prevazisla ovu bolest i mogu reci da sam sretna za to. Skoro je gotovo. Proljeće se vratilo! Vratila sam se i ja… nadam se