Under 3 – Sixth week of training

This is week 6 already, a though one because of the busy week I had, which had its fall out when training. I skipped one run and took it a bit easier in the other runs and workouts. Also took some extra rest when possible. I am still happy with this week however , because I could largely maintain a good pace and despite the fatigue I could also do most of the training.

In ways of running speed I have some progress too make. The long run tempo’s and faster paces I can cope with just fine, just the hart rate is a tad too high. My next marathon will most likely not see a sub 3 hour finish. I still keep training for it and see how far it takes me. Because if you not train for it, you will never reach your goal. See you all next week !

Mortgage free ?

Mortgage free , a goal a lot of people aspire nowadays. It’s how I got started viewing my finances differently and more specifically my take on risk. I went on paying off as much as I could as fast as I could. The math was extremely simple, I had an interest rate on my mortgage of 5,35 % and was getting 0,25% or thereabouts on my savings acount.

This turned out to be a smart move , especially when bying a new house, there was some money left after selling the old house and clearing the old mortgage. This made the proces easier , there was no need for stretching towards the maximum lending capacity. We carried on paying off the mortgage at the same pace. The math was still in out favor, despite getting a significant lower interest rate of 2,7%. In the mean time the savings account produced only 0,05%. Full disclosure , I do not take into account any tax reductions or other tax advantages because they differ for everyone.

At some point I became aware of the fact that nothing in terms of housing was cheaper than any of the alternatives. Including a maintenance provision. All other alternatives like renting or buying a smaller house are more expensive. Even social housing is costs more , which I do not qualify for.

So all other alternatives are pricier. I started wondering if my extra mortgage payments still made sense. Isn’t it better investing these sums in other more liquid investments ? The mortgage will take care of itself in the remaining time the mortgage still has too run.

For me the answer was yes, simple math with a return of 5% gets me more money at the end of the line and the money is available, it’s more liquid.

Isn’t this simply hedging the mortgage against more riskier investments ? Yes it is , I am using the time and the debt in the house too take on more riskier investments. Brings us back too risk, what is the risk ? I live in the house and in the current market there are no opportunities in finding something cheaper. The biggest risk is I can’t afford the mortgage payments anymore. And this would mean finding cheaper housing when that happens, which isn’t available.

It’s now time for kicking my habit of extra monthly payments and the little voice in my head saying , just get rid of the mortgage ! So I am taking these monthly extra payments and putting them in my ETF portfolio. Then at some point , likely faster I will simply have the remaining mortgage sum in liquid investments , which means I could at that point pay it off in full.

A very reasonable risk if you ask me.

Under 3 – Fifth week of training

Time flies, another week of training in the books. A lot of rain during all sessions except for my long run of 22 K . Lucky me. I am getting in my stride a lot better. Hart rates are down , also when running higher paces. Which is great but the biggest win this week is getting a sense of rhythm. It all feels lighter, simpler , there is less need thinking about where too put my feet. Also my posture is improving slowly.

I am thinking this is down too Yoga, which has a lot of focus on breathing and maintaining the right or better posture. It has me convinced this is a very good addition, which as a very nice bonus also incorporates a lot of strength training. I must admit I always found yoga a bit out there , not for me. But that’s changed a lot. It’s just very beneficial for your mind and body.

I am nowhere near performing all the poses and transitions in a smooth way, but who cares. I am surprised at how fast progression is actually made , even by me. I would encourage anyone to give it a good go for a longer period, just too see how it affects your body and mind. It takes a bit of getting used too but the benefits will show themselves pretty quickly.

Hopefully this week will be as good as the last.

3 years later

It has been 3 years already , since my brain injury, a sort of 3th anniversary combined with my 39th as it were. It has been a year of learning, yet again about dealing with the inevitable limits caused by permanent brain damage. Most notably the realization that there is, in fact a limit in what I can achieve. Building at expanding my activities in the way of work, social life and all other activities is not something I can do limitless. Although this was always in the back of my head, by planning meticulously and adding slowly that I somehow could return to my old levels, and in a way my old self.

As it turns out , that’s not the way it works, last year I upped my working hours towards 8 hours per week, first in 2 days and later on spread out over 3. It all seemed to work out, at least this was the initial feeling. Until the fatigue hit me and it took a couple of months in recovery getting back.

So I will keep it at 6 hours over 2 days. Which means I can recover and get a social or other activity in a week. Which is always fun, especially getting together with family and friends. In my enthusiasm I will go over my limits on such occasions , just because it’s so good having people around. So it’s a bit of a focus this year in getting the most out of that time spent.

In this quest in staying as stable as possible , keeping myself fit is crucial , the fitter I am, the better I can cope with moments were all else fails. Purly on physical strength I can manage to stay afloat. Getting home when I miss a train, It’s way too busy or if I simply forget too rest enough.

Periods in which I could exercise less my overall functionality and recovery was way off. It took ages. Luckily I really enjoy my running sessions, which clear my head like nothing else. It’s the one thing I can really control which is excellent because it’s vital in my ability too function properly.

A discovery which I hadn’t made when I was in my revalidation stage , is that the left side of my body is way worse than it was before. I hadn’t noticed this because I predominately use my right. By getting into exercising and building strength on my left side, I hope too improve this.

The hard part is realizing that I am , most likely at my maximum capacity , and I now know what it takes to stay at this level. A lot of disciple , rest staying fit and planning. It’s very weird not having a full time job , bering dependent on other people for a lot of things and being restricted in crafting your own future.

Nevertheless , I am very lucky being this well off, having a lovely group of family and friends to lean on. This makes me a very happy and fortunate person. Which I am very grateful for.

For the future it’s important too find real acceptance and not too hold on too the past and the vision of getting to were I was before this happened. I have too find progression in a more natural and organic way instead of just pushing my limits.

Find the challenge in things I can control.

Under 3 – Fourth week of training

This week has been a successful one, full training schedule done ! It went very well and although I can’t yet get enough speed this is something that I am working on with extra speed training and short speedy parts during the long runs. But that did not take away the fun , I am very happy I could cope with the Km’s smoothly. No weird pains or sore muscles in between the sessions. Which makes me a very happy person.

Strength training I am still doing via yoga sessions which I like a lot, it’s more tranquil and the continuous movement makes for a more flexible me. Which is an added bonus. Also it is supposed to make you more resilient and thus less prone to injuries. And it makes me more relaxes mentally , which is kind of ideal being me. 4 sessions this week and I am planning to keep this up.

All in all an excellent week. On to the next !

Februari 2019 – Option positions

Time for another update on the options trading part of my portfolio. On January the 18th all my options positions endend worthless. Which was fine by me because I wrote them, so all the premium was collected. The total for January is 19,14 , which is not a lot but it’s the first run of the experiment, so I am very cautious.

For the expiration on the 15th of March the following positions have been added. Writing 2 calls on parts of my positions in BAM and Aegon, which will bring in 20 euro’s and some sold puts on Philips. I was a little too late for Februari, so March it was.

I have adjusted the table accordingly for a complete overview of all my trades so far. Now it’s a matter of getting more knowledge about riks and modeling risk in order too get more out of it. For now I will remain at my 100% covered strategy. And as all learning and reading goes extremely slow in my case, this will probably stay that way for a while.

Total for January : 19,14

Date position openOption QuantityPriceTotal amountBuy / Sell End dateTransaction costs
03-01-2019Ahold Delhaize Put 19.00 18 January 201914,004,00Sell18-01-20190,85Closed3,15
18-12-2108Bam Put 2.20 18 January 201915,005,00Sell18-01-20190,85Closed4,15
5-12-2018Philips Put 29.00 18 January 2019 113,0013,00Sell18-01-20190,85Closed12,15
04-01-2019Aegon Call 4,50 15 March 2019210,0020,00Sell15-03-20191,7Open
07-01-2019BAM Call 3,00 15 March 2019210,0020,00Sell15-03-20191,7Open
22-01-2019Philips Put 24,00 15 March 201917,007,00Sell15-03-20190,85Open
30-01-2019Philips Put 30,00 15 March 2019120,0020,00Sell15-03-20190,85Open