Pepins crowdfunding

Pepins is a crowdfunding plattform that provides the possibility to invest in entrepreneurs and their companies that are off the stock market. I like the idea and the freedom it gives to people that want to fulfil their dreams .
When the investment opportunity came for Pepins itself I invested the minimum amount of 30 shares ( 540 kr) .
For interested the offer is still ongoing and there are over 960 investors that have invested over 70 million kronor.
This is my first time investing in a crowdfunding project and it will be fun to follow its development. 
Pepsin je jedna crowdfunding (grupno finansiranje) platforma koja daje mogućnost da investiraš u poduzetnike i njihove firme koje nisu na berzi. Sviđa mi se ideja i sloboda koju to daje ljudima koji hoće svoje snove da ispune. Kad je izašla mogućnost da investiram direktno u Pepins onda sam uložila najmanju svotu od 30 dionica (oko 100KM).
Za zainteresovane ponuda još vrijedi i do sad je oko 960 investitora uložilo preko 70 miliona kruna (oko 14 miliona KM).
Ovo mi je prvi put da investiram u jedan crowdfunding projekat i baš će biti interesantno pratiti razvoj ove firme.

 

David Garrett- Summer / Ljeto

Me and Ensar discussed what instrument we would like Ada to play. I said of course violin. He prefers drums. But how will someone play the most beautiful song ever on drums? ?  Maybe in combination with drums, but the violin beats the drums 😀
Here Summer part in Four seasons of Vivaldi played by David Garrett. Wonderful!

Ja i Ensar smo nešto diskutovali koji bi voljeli instrument da Ada svira. Ja sam naravno rekla violinu, a on preferira bubnjeve. Ali kako će neko na bubnjevima odsvirati najljepšu pjesmu ikad napisanu? Možda u kombinaciji sa bubnjevima ali violina ipak pobijedi 🙂
Evo Ljeto iz Četiri godišnja doba od Vivaldija svirana od David Garrett. Predivno!

One for Ensar!
I jedna za Ensara!!

Schwetzingen

Some time ago I spent a beautiful October day with Ada and my friend Lejla, her daughter Lena and Lejlas sister Merima with her family. It was the golden October day it said at the radio. We went to the castle in Schwetzingen. I never heard of it before but it is worth visiting. Schwetzingen  Palace was the summer residence of the Electors Palatine Charles III Philip and Charles IV Theodore (of the House of Wittelsbach).
The area around the castle is big and one can spend hours walking there. What surprised me the most though was the old mosque! It is not a place where I imagined a mosque. It is said that Charles III Philip and Charles Theodor where very open to other religions and by building the mosque they kind of paid respect to this religion.
As cynic as I am I am pretty sure that is just a made up story to make them “look nice”. Considering how kings where back then I tend to believe that they had at least one concubine or mistress that was a muslim and by building it they were being “nice”:)
In any case I find it to be a pretty building giving the whole area a little bit more fairy tale flair.

Prije nekog vremena sam provela jedan predivan, kako su rekli na radiju- zlatni oktobarski dan sa Adom i sa mojom prijateljicom Lejlom, njezinom kćerkom Lenom, Lejlinom sestrom Merimom i Meriminom familijom.
Sreli smo se u palači u Schwetzingenu, za kojeg nikad prije nisam čula. Schwetzingen palača je bila ljetna residencija kneza Karl III Filipa i Karla IV Teodora od kuće Wittelsbach.
Mjesto oko palače je ogromno i može se provesti nekoliko sati samo šetajući. I  pravo iznenadi džamija na koju smo naletili kad smo tako kroz park šetale. Nije baš da sam očekivala džamiju tu. Priča se da su oba Karla bili jako otvoreni prema drugim religijama i da su na taj način što su pravili džamiju pokazali respekt prema raznim religijama.
Cinična kakva jesam prilično sam sigurna da je to samo izmišljena priča da bi  oni ispali “fini”. Kakvi su u toj dobi kraljevi bili prije će biti da su imali neku ljubavnicu kojoj su se htjeli pokazati i tako napravili džamiju.
Bilo kako bilo arhitektura je prelijepa i daje čitavom području malo osjećaj kao da si u bajci.

Robert Friman International

This must have been the stock that I could have earned most money on among my stocks and where the psychology of human mind is so clear to see. For a while I was 180% plus. It looked good and I wanted more. So when the course started to go down I waited and waited thinking of it as just a period and it will get better again. I had the plan to keep them for 5 years.
But I didn’t!
Suddenly, there was a pm that there might be a problem with tax declaration. The stock dived from having been on + 30% or 40% of my invested money, I was suddenly -30% down. I was annoyed because it gives you a sour taste having been +180 and now being -30%.
I started to follow it more closely. It was pending a lot and suddenly one day it was again +25%on my account. I decided to sell it off, but my phone had a mental breakdown and refused to cooperate. From +25% the order came through and I sold it off for +5%. ( I sold them for 6.10kr) .
First I felt annoyed because I had missed the opportunity, but then I felt relieved… it is never fun to loose money. The reason is that I had said to my self that when a profit is so high as 180 % than it is better to take out the invested money + 10% and then the rest is used for playing around. Well, I didn’t listen to myself. I have to read more about market psychology.
But it is not the end of the story!
NO, I had forgotten about these stocks and wanted to see what happened in the with the tax declaration- The former Vice Director was sentenced 1.5 year prison for gross tax breach.
And people say stocks are boring…

Ovo je bila dionica na koju sam najviše mogla zaraditi od svih mojih dionica i gdje je toliko očigledno kako ljudski mozak funkcioniše. Jedno vrijeme sam bila čitavih 180% u plusu. Naravno pohlepa je tu bila i htjela sam još. Kad je kurs počeo padati čekala sam i mislila sam proće nakon nekog vremena. (Planirala sam ih 5 godina držati).
Međutim, nije pad stao!
Odjednom, dođe raport da može postojati problem sa deklaracijom poreza. Dionice su potonule od +30% -40% na investiranim novcem, i sad sam odjednom bila 30% u minusu. Bila sam iznervirana jer je kisel ukus biti od 180% u plusu na minus 30%.
Počela sam da pratim ove dionice i odjednom jednog dana skočiše na +25% na računu. Odlučila sam ih prodati, ali je moj telefon doživio nervni lom tako da je prestao raditi. Od 25% plusa je prodaja mojih dionica prošla na 5% plusa. (Prodala sam ih za 6.10kr) .
Prvo sam bila iznervirana što sam “samo” 5% zaradila, ali je poslije došao osjećaj reljefa (? mislim da se tako zove na našem).
Bila sam malo iznervirana zato što sam sebi x puta rekla kad je bilo na 180% plus da prodam ulog plus 10% i ostalo nek bude kako bude. Ali pohlepa je teška, uvijek hoće više, tako da nisam sama sebe slušala. Moraću više o psihologiji na berzi čitati.
Ali nije ovo kraj priče.
Kako sam prodala ove dionice, onda ih nisam neko vrijeme pratila i sjetim ih se pa rekoh da vidim šta se desilo sa poreznom deklaracijom. Bivši direktor je dobio 1.5 g zatvora zbog prevare porezom….
I ljudi kažu da su dionice dosadne…

 

My secret/ Moja tajna

Actually it is called “Min hemlighet” a story of Petter A. Stordalen. A selfmade billionaire writing a book of his experiences but also of his mentality. What is the difference of the way he is thinking in comparison to how ordinary people think. How is his time management? This and many more interesting things one can read in this interesting book.
One thing that caught me and reminded me of my sister was a situation where Petter has not enough money but still wants to buy a hotel. The money he has he should pay for the interests in the loan he has…but… he doesn’t pay the rate, instead he buys a hotel…for the money he doesn’t have. Hilarious and brave…
Zapravo se zove knjiga “Min hemlighet” (Moja tajna). Priča o Petter A. Stordalen. Jedan “samostvoreni” milijarder koji je napisao knjigu o svojim iskustvima i još interesantnije o njegovom mentalnom sklopu. Kakva je razlika u načinu razmišljanja njega i običnih ljudi? Kakav je njegov menadžment vremenom? To i još mnogo interesantnih stvari se može u ovoj knjizi pročitati.
Jedna situacija koja mi je pažnju privukla i koja me na sestru podsjetila je momenat kad Petter ima dovoljno novca da plati kreditnu ratu ali ne za hotel koji hoće da kupi. Ali ipak uspije na neki način kupiti hotel. Meni je to bilo preludo i hrabro.

My cloud / Moj oblak

The “new” trend with adding every possible information that one has in a cloud on a server somewhere reminds me somehow of having my own cloud in my head with hundreds of thoughts constantly crossing my mind and I have no time to sort them. Today is the first time since ages where I left both kids in kindergarten, even if Adrian is staying just 2hrs. Long enough not to sit around there but too short to go back home.

“Novi” trend gdje sve moguće informacije stavljaš u oblak na nekim serverima me podsjeća na moj oblak u glavi gdje skupljam na stotine misli bez ikakve šanse da ih sortiram. Danas je prvi dan na duugo vremena gdje sam ostavila oboje djece u jaslicama, iako je Adrian samo 2 h ostao. Dovoljno dugo da ne čekam tamo, dovoljno kratko da mi se ne isplati kući otići. 
Ada is in the “Frozen” -world… / Ada u svijetu “Frozen”

I, on the other hand, ended up in a XXXL möbeln. Strolling around there I realized how genious Ikea is when it comes to selling things and how bad XXXL is. I am sure I would increase the turnover in XXXL for at least 2-3% if I could put things as I want them to. Strolling around here made me also think of my stock investments and my wish to get stocks where sustainability is an issue. I am also thinking of a friend that I am not managing to get on phone for ages now. Adrian is also becoming 1 year soon. How could the year pass so fast? I met a friend that is always having tons of stories and with whom I can chat forever. I have hundreds of thing I want to do or experience but for now these have concentrated to one…sleep. Sleep depriviation with kids is a killer! And so on and so on. Still lucky me I got a really fun and interesting book from one of my best friends that I highly recommend. So in all “my cloud” at least I can enjoy a book for a couple of minutes 🙂
Tako sam ja završila u XXXL prodavnici namještaja. Kako sam tamo malo šetala skontala sam koliko su genijalni vlasnici od Ikea. Sigurna sam kad bih ja poredala stvari kako ja hoću u XXXL da bi im barem za 2-3 % obrt skočio. 
Tako isto, dok sam se šetala, sam razmišljala o svojim dionicama i moju želju da buduće investicije budu više usmjerene prema održivost. 
Razmišljam o jednoj prijateljici koju nikako da uhvatim na telefon. 
Adrian je uskoro godinu dana. Kako tako brzo prođe godina?
Srela sam prijateljicu s kojom uvijek mogu stotine stvari da razglabam i satima možemo da pričamo. 
Ima stotinu stvari koje bih htjela uraditi i doživiti koje su se sve svele na jednu… da se dobro naspavam. Manjak spavanja kad imaš djecu je baš ubitačan.
Itd.itd. 
Ipak kako imam sreće dobila sam jednu pravo smiješnu i zanimljivu knjigu od jedne od mojih najbolji prijateljica.  Knjigu “Bringing up Bebe” preporučujem za čitati. 
Tako da iako je “moj oblak” pun barem mogu par minuta da oćeifim dobrom knjigom. 🙂

First day in kindergarten / Prvi dan u jaslicama

For me, it was a big day today. My little boy went to kindergarten for the first time. It felt awkward because he is so little. Ada was 2,5 years when she started and was already speaking two languages. Adrian is not speaking any language and I fear that he will not be understood when he needs something. On the other hand he loves children so it should be fine 🙂
In kindergarten I react on the differences between the Swedish and German system. For example, here the induction takes 4-6 weeks! In Sweden it was a week at most (as far as I remember).
Another thing that caught my eyes is that in Sweden children eat some snack like half a banana or apple (or some other fruit) around 10h so that they don´t get too hungry until lunch. Here they got one mais curl as snack. Adrian doesn’t even like it so I am pretty sure that Adrian, that is used to eat much more, will loose some weight in the beginning before he gets used to it.
Danas je bio važan dan. Moj mali dječak je po prvi put išao u jaslice. Čudno se osjećalo jer je tako malen. Ada je ipak bila 2.5 godine kad je krenula i već je 2 jezika pričala dok Adrian ni jedan ne priča. Pitam se hoće li znati pokazati šta hoće,ali u drugu ruku voli djecu tako da bi mu trebalo biti fino.
U jaslicama sam primjetila neke razlike između Švedskog i Njemaćkog sistema. Recimo uškolavanje (ili kako se to zove) traje 4-6 sedmica. U Švedskoj ti niko živ ne bi išao u vrtić toliko vremena. Tamo je maksimalno sedmica- dvije (ako je ekstremni neki slučaj) i dijete odmah ostave same.
Druga velika razlika je da u Švedskoj jedu pola voća banane, jabuke ili nešto drugo oko 10h da ne pregladne do 12h. Ovdje dobiju jedan smoki, koji još na to Adrian baš i ne gotivi. Sigurna sam da će Adrian ispočetka smršati dok se ne uhoda.

The German elections 2017/ Njemački izbori 2017

I will never forget a lesson in school, I was maybe 14-15 years and we were discussing the nazis and the right extremists and the need of dialog. Two guys asking me if I believe that one should have a dialogue with extremists. They too believed in democracy and the right that everyone should talk.
Back then I was not sure but I (still) believed that one could talk with extremists. I said to the boys that I believe everyone should get the chance. One could talk logic to them. That should make them understand.

Today, a war later, a devasted country later, a 9/11 later, many experiences later, many elections later I believe that I was so childishly naive.
Therefore I was not even surprised about the German elections. I wasn’t surprised about AFD- (the right extremists) being the winners of these elections. I was actually just waiting for it.

I have realised that talking to extremists is like talking to a wall. They don’t get it. Extremists just understand the power of violence.

Another thing I strongly start to believe in is that one should forbid this kind of parties or demonstrations.
Why?
Because it is like any PR, the more you see it the more normal it becomes. Just imagine before 9/11 how people where talking about muslims, and how they are talking today. Common people saying things that were unimaginable before 9/11.
Today, I believe that the only thing that works to change the mind of these people is to actively work already in elementary schools with very very competent special educated teachers to crush the hate in its cradle.
It is like taking out a fire in the beginning and not wait for it to become a huge forest fire.
Since, we don´t do that… I believe worse times will come.Nikad neću zaboraviti čas, bila sam nekih 14-15 godina, i diskutovali smo naciste i desničare i potrebu za dialogom. Dvojica su me pitali da li ja vjerujem da treba pričati sa ekstremistima. Oni su vjerovali u demokratiju i pravo svakog glasa, svako da priča šta hoće.
Tad nisam bila sigurna ali sam (još uvijek) vjerovala u to da se može pričati sa tim ekstremima. Rekla sam dječacima da svi trebaju dobiti šansu. Ako logićno sa ekstremima pričamo razumijeće.

Danas, jedan rat kasnije, jednu devastiranu državu kasnije, jedan 11 septembar kasnije, mnogo iskustava kasnije, mnogo glasanja kasnije vidim kako sam dječije naivna bila.
Zato, se nisam čudila rezultatim njemačkih izbora i da je Afd bio veliki pobjednik. Ja sam to očekivala.

Shvatila sam da pričati sa ekstremima da je to kao zidom pričati. Ekstremisti samo razumiju silu. 

Druga stvar u koju sam počela vjerovati je da treba ove partije i demonstracije zabraniti.
Zašto?
Jer je to kao i svaka reklama. Uđe ti u glavu, navikneš se, bude ti normalno.
Podsjetite se kako je bilo prije 11.g septembra kako se pričalo o npr. muslimanima, a šta se danas od prosječnih ljudi čuje. Komentari koji su bili nezamisljivi prije.

Danas, vjerujem da je jedini način da se sve ovo smiri da se već u osnovnim školama radi. Da vrlo kompetentni specijalni pedagozi rade sa djecom i da ne dopuste da se to sjeme mržnje posadi.
To je kao da ugasiš vatru na vrijeme prije nego što postane šumski požar.
Ali, pošto mi to ne radimo…vjerujem da nas čekaju gora vremena…

2017 Pag

After 3 months (with exception of some few days of being in Karlsruhe) I finally came back to Karlsruhe. During these three months I have been in the energy boosting Sweden, in Croatia and in our summer house in Bosnia. I just love the life of travelling and I believe I could travel the whole year. I wonder how that will work when I start working again :/
During this time I have experienced so many things and I have so many things to write about and I hope I will get the time for it eventually.
Greetings for now! 🙂

Nakon 3 mjeseca (sa par dana izuzetka kad smo bili u Karlsruhe) smo se napokon vratili u Karlsruhe. Kroz ova tri mjeseca smo bili u energiju-davajuću  Švedsku, u Hrvatskoj i u našoj kući u Bosni. Stvarno volim život gdje se putuje i ubjeđena sam da bih mogla čitavu godinu putovati. Pitam se samo kako će to ići kad ponovo počnem raditi:/
Kroz ovo vrijeme sam dosta stvari doživjela koje hoću da zapišem i potrudiću se da ću nađem vremena za to. Pozdrav za sada 🙂

Mamama

Last time Adrian said mama I got so happy and thought this is it, but there and then he never said it again until yesterday:) He was sitting in his chair, hungry, waiting for the food and then it came mamama. I got as happy as first time but wondered if it will be like last time. But then today again he sid mamama and now I suspect that he is slowly getting the meaning of mama. In his world mama probably means food😂