Money Lessons

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I had so much to learn about money and how to make it work for me. Photo by Markus Spiske on Unsplash

I came home from visiting Noel to find everyone in the kitchen cooking. We got to talking and after I told them about the incident that happened while I was as Noel’s. It prompted a lesson about money and how to make it work for you. The conversation had the children’s full attention and when we sat down to dinner that was when the back and forth started.

As we settled down to dinner we continued to talk.

“So dad, explain how you made your money work for you?” urged Shane as we sat down.

“Well they are several methods,” he stated to tell us. “ Some low risk, some middle risk and others insanely high risk.”

“Which ones do you use?” asked Kyla as she poured salad cream dressing over her veggies.

Mr. Divine laughed. “All of them.”

Kyla smiled at his comment.

“I rotate my money between stock market investments, high yield accounts, money market and treasury bonds. I set money into fixed, high-interest accounts in cycles or fixed deposits.”

The kids looked at Mr. Divine confused as they waited for more of an explanation.

“So I have a business from which I get a monthly salary. From that, I established a budget. What I need to send each month to pay bills and survive and a little fun money. Then I have the money I plan to save and use for investment. I also have an emergency fund.”

As we ate he explained more. “For me, a cycle is every three months. I take the money I saved over three months then divide it into sections and invest it. Some I put into investments that mature in five years. Others go into the money market, another set into the stock market.”

The children sat there listening, and I could see Kyla had on her thinking face.

After Mr. Divine paused she started with the questions.

“So you have your investments set up that after the initial investment period you get a lump sum coming at you every three months. You can then re-invest it as is when it matures or add on money that you set aside to invest.”

Mr. Divine laughed in delight. “And you, my dear, are thinking like a successful business person.

We spent the rest of the night talking about investing and investments. How to manage them. The risks of the stock market. Making smart investments. Overextending yourself. It was an educational night. Not just for the children but for me as well.

The next day I dragged Mr. Divine with me to the bank. We looked at my account and the children’s accounts. Next, we removed three-quarters of the money from each account and make our way to the credit union and investment broker. It was time to make our money work for us.

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Money Madness

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Talking over dinner.

When I got home from my visit with Noel, I found Mr. Divine in the kitchen cooking dinner with the kids. From the looks of it, we are going to having some type of stir fry chicken with baked sweet potato with salad.

“How was your day, honey?” asked Mr. Divine as he stirred the pan on the fire.

“It was good. In fact, the best word for it would be interesting.”

He paused mid-stir. “What happened?”

“Well, while we were talking Noel got her bank statement in the mail and that was when the drama got epic.”

“Over her bank statement?” said Mr. Divine. “What did they do?”

“Had five dollars extra in the maintenance fee charged to her account. Then when she finally found a number of calls on one would answer. She had to press the extension for wealth management to get an answer.”

Mr. Divine’s jaw dropped. “Yikes. That’s….unheard of.”

The children watched us, listening to my explanation of what happened. As I continued the story I could see Mr. Divine becoming very disturbed by what he was hearing.

“That sounds insane. When I call the bank I never have that problem.”

“And I bet your account is under business or wealth management and you have a specific person you talk to about your account. Someone who knows you and sees to your every need.,” I said as I climbed onto the stool in front of the bar top that extended from the countertop.

He nodded as he mixed the pasta into the chicken and veggies he had stir-fried. “I see what mean.”

“So what’s the huge difference,” asked Kyla as she cut vegetables for a salad. Shane handed her the leaves of lettuce he had washed and continued on to the other veggies and fruits he had on the counter close to him.

“The way bank staff deals with you basically. Your dad has a direct line to someone in the bank and they scramble to help him but when most of us call the bank its a different story. We have to hunt for a number firstly. Then we call and call but no one answers the phone.”

Kyla looked at me shocked. “Really!”

“Sadly yes,” I replied. “That why Noel is so against banks. Nowadays its fees, fees and more fees and little or no service.”

“So what can you do?” Shane dried his hands and moved to stand next to Kyla while he asked the question.

“It’s about being very strategic with your money. Making it work for you,” said Mr. Divine.

The kids looked at us confused. “What does that mean?”

Next Step

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My children love Berlin. Love, love, love it. Photo by Markus Spiske on Unsplash

While we were away indulging out wanderlust we were keeping track of the next steps we wanted to take in our lives but we were not about to let that distract us from having a good time. The news we had been waiting for reached us during our three-day stopover in Berlin. Kylie got several emails about grades, school and the scholarships she has applied for. From there we put things into place while we continued our trip through Europe. All the necessary information was forwarded to the schools the children wanted to go to so things would be in place when we got back home.

The trip became even more exciting now we got the news about the kids going to the schools of their choice. As we traveled we allowed the children to the take the lead more so they could strengthen their navigation skills in a big and times more complication environment. They helped each other, figuring out how to uses maps and find out information in a country where they didn’t speak the language.

“I’m really enjoying this mom,” said Kylie as she tiptoed and looked through the crowd to see more of the stalls set up at Kunstmarkt, a huge flea market in Berlin.

“There is so much history and culture here. I think going to school here would be a lot more interesting than the US.

Mr. Divine laughed at her remark. “That is probably very true. We can check and see if your university offers a study abroad program. Another option is to do your Master’s Degree or make sure your first job is in Europe.”

“Can I do that?” she asked excitingly.

“Yes,” Mr. Divine replied as she held his arm and looked up him in awe.

“It’s time for both you and Shane to dream big and discover the world. Strengthen your language skills and travel.”

The kids looked at each other and nodded. Their excitement visible. They both had their sights set on choosing a new skill they wanted to discover and develop, plus the fire to go after it. I can’t wait to see what language or languages they choose.

 

Discover Europe

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Artwork and architecture on a building in Milan, Italy.

Mr. Divine has brought us on a trip across the pond and when we drove out of the airport we were all smiles. Yes, the kids and I were beach babies, but we also loved to explore and discover. Right now we are in London with its blend of old and new all hidden in countless nooks and crannies just waiting to be discovered. It called to use us to explore. First, we took a tour on an opened top double-decker bus all around the city. From that, the kids took a note of the places they wanted to revisit.

 

We visited so many spots. Somehow we got in more than ten of the must see places to visit. As we bid London goodbye, Mr. Divine took a note of our sad faces.

“Don’t worry. We’ll be back again soon,” he assured us as we boarded a fast train to Scotland. When we got to Edinburgh we took in the crisp, fresh air, eager for more to discover.  We started on the Royal Mile and just rambled. After several hours we had visited The Writers’ Museum, Queen Mary’s Bath House, Scottish Storytelling Centre, Victoria Terrace and of course the Scotch Whisky Experience. The next day we took a day trip to  Loch Ness that also stopped at Glencoe and the best part is that it allowed us to discover the Highlands. The vistas we saw were truly breathtaking.

The trip didn’t end there, in fact, it had only just begun. We spent the next three weeks roaming through Europe. First, we went to Paris, then to Madrid, across to Barcelona, a stop in Marseille to see the views from the Basilique Notre – Dame de la Garde. In Monaco, we went to Jardin Exotique and Palais du Prince. We continued ongoing from one major city to the next until we had seen most of Western Europe.

We had the most amazing time on that trip and the truly amazing things we saw changed our opinions and impressions of the world. I’m sure there will be other trips like this in the near future and I can hardly wait until we all go to another. Along with the discovery and adventure, we enjoyed the togetherness and uninterrupted family time. It’s an experience we will never forget and are eager to repeat.

Road Trip

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The beauty of the Golden Gate Bridge. Photo by Eric Ward on Unsplash

After the cruise, Mr. Divine decided to take us on a road trip along the West Coast. Restarted in San Francisco, riding around on the tram to check out all the hot spots. The view of the bridge was amazing and we took it in from three spots, Battery Spencer, Presidio Park and Mackenzie Beach. After that, we hit the usual spots, Union Square and Fisherman’s Wharf. It was just the start and we couldn’t wait to see where we went next.

The kids and I spent the rest of the trip in joy overload because we got to see so many different places. We stopped off that Monterey Bay Aquarium and also took the time to do some whale watching. It was truly breathtaking to see those majestic animals in their elements. We visited Santa Barbara, Malibu and Los Angeles along the way and each spot was discovery and adventure amplified to levels unknown. Amazing and magnificent were such bland words to describe what we did.

By the time we got to San Diego, we were exhausted but happy. We checked out all the sights and by the time the final day of our trip rolled around, we were walking around with huge smiles. After all that driving we spent a few days in a lovely hotel just relaxing and being pampered. Kylie and I enjoyed several spa days and the boys went off and had guy time. Mr. Divine and I had some couple time, including a stimulating couples massage. My man truly takes care of me.

As we turned up at the airport I was kind of sad our trip was over. We followed Mr. Divine through the airport taking a spot and got some lunch. As we moved to catch our flight it clicked to me that I wasn’t seeing any flights to take us home.

“Honey, where are we going?”

“On the next part of our adventure my love. Time to discover something new.”

The kids were in awe and so was I. We were on our way somewhere else to continue our vacation and we could hardly wait.

Summer Fun

 

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Tell me we are going on a cruise and my cases are packed.

Oh Goodness me! I now realize how far behind I am about what has been happening so I’m going to try extra hard to get you, my amazing readers, back up to date about what’s going on. We all had an amazing summer even though things were in limbo. The issue that has us unable to fully sit, stand or turnaround, is that we’re waiting to find out about the children’s next step when it comes to school. To take our minds off for that complicated bit of information, Mr. Divine decided we should all go on a trip and indulge in some adventure.

The next thing I knew, we were packing to go on a two-week cruise of the Caribbean. It ended up being one of the most enjoyable parts of the summer vacation. Like I said, only one of them because my lovely husband always has something up his sleeve. Our days were spent going on various tours that allowed us to discover the most amazing locations. We saw so many unique places and discovered so much information about each island we visited, it captivated us.

Every day the kids were up early and ready to scamper off and discover. Sometimes we went out together or they would spend the day with the new friends they met on the boat. No matter what, we always had dinner together every night. I had some serious foodies for children and dinner was our time to try new things. It was filled with pure fun and laughter. Dinner was our time to talk and recap the day. We would plan what we wanted to do for the coming days and to seek out new adventures. Whenever possible, the children had to get in some beach time. They were true water babies and the beach makes them happy.

When that cruise ended we were all a little sad, but it ended with new friends and the potential for more adventure right around the corner. Let the fun begin.

Problem Solved

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Lorna was still working at her desk. Photo by Ilya Pavlov on Unsplash

I walked into Mr. Divine’s office to meet him for a lunch date and spotted Lorna sitting behind her desk. I gave her a huge smile. Time to be naughty.

“Oh, you are still here? Oh well. There is still time. Could you please let my husband know I’m here.”

I watched Lorna pale and took a seat to watch. “What do you mean still here?” she asked.

I shrugged. I thought you took lunch at this time. I guess I got the time wrong.”

Just then the phone rang and I glanced up at the clock. Right on time.

I watched Lorna’s face and sure enough, it went almost a ghostly pale. When she put down the phone I could have stuck her with a pen and not get a drop of blood.

You see, I got one of Mr. Divine’s friends to play a part in my McHema Recruitment plot and the call Lorna had just taken just asked her to let her boss know that the off-site interviews he requested had been arranged. Now she thought he job may be in jeopardy. She had every right to think so.

Getting up I went to her. “Lorna are you okay? You look pale.”

She looked up at me with her eyes wide and I almost felt sorry for her, then I remembered her relentless nasty attitude. No, she needed to learn a lesson when it came to how to treat people. Walking to Mr. Divine’s door I knocked and went in.

“You’re here. Lorna didn’t tell me. Is she still being nasty to you?”

“Right now she is too busy catching kittens to be nasty but we’ll see.”

He shook his head. “You up to mischief again.”

“Me?” I asked innocently. “It’s not my fault that your PA doesn’t know how to respect people. She’ll learn in time.”

Just then a soft knock sounded on the door and Lorna stepped in but didn’t go beyond the entrance.

“Sir you just got a call from a McHema Recruitment about interviews.” She paused for several minutes. “Are you firing me sir?”

Mr. Divine looked at her and said nothing for some time. “Do you think I have a reason to? You have been continually rude to my wife and that is more than reason enough for me to want you gone.”

“I’m sorry sir,” she said gripping her hands in front of her. “I stepped out of line. It won’t happen again. Please give me a chance to prove it to you. I really need this job.”

“You could have fooled me,” I muttered under my breath and Mr. Divine smacked me on the ass in response.

“Every single person who steps into my office must be respected. One more mistake from you and you’re fired. Got that?”

“Yes sir,” she whispered and backed out of the office.

I slipped into my husband’s arms and hugged him tightly.

“Problem solved…for now.”

He kissed her then replied. “For now.”

 

On Notice

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I love to just to be with you. Photo by Nathan Dumlao on Unsplash

My trip to see Mr. Divine extended into the next week and as such, I had a deal with Lorna and each encounter was just as bad as the first one. If she wasn’t shooting me dirty looks she was dropping nasty remarks about how I looked and that I made her boss marry down. That Mr. Divine must have hit his head when he decided to marry me.

I looked at her and said nothing as she continued to try to make me feel uncomfortable. I didn’t want her and her horrible attitude in any way connected to my husband or children and I planned to let her fashion her own fire to destroy her own career.

Recording what she was saying and taking it to my husband would have been easy but what was the fun in that. No, Lorna was going to be lead on a twisted dance called don’t mess with the boss’s wife cause she will rip you a new one. When I was done she wouldn’t know which way was up.

First I looked on the Internet to get a list of the recruitment agencies in the area then choose two and got started. One of my talents had always been the ability to mimic voices and after getting my throat warmed up I called my husband’s office.

“Good morning I’m calling from McHema Recruitment to discuss the candidates for the PA position you asked us to advertise for.

There was silence then a slow voice answered. “Job for a PA? Ahhh…I wasn’t aware we were looking for someone. Are you sure you have the right company?”

“Of course I’m sure. This is a follow-up call updating our client with regards to our progress. We have ten candidates we shortlisted and we want to discuss second round interviews.”

“We searched around individuals we had previously head hunted that are looking to switch positions. It was requested we move quickly as there was a time element involved. It there someone I can speak to?”

“Ahh…the boss is not here right now but I’ll give him your message.”

“Thank you very much. I’ll also call you again a little later.”

Lindsay disconnected the call and relaxed back against the lounge chair. Looking up she smiled as Mr. Divine walked towards her with two cocktails in his hands.

He put them down on the side table and sat down on the towel next to me.

“I know that naughty smile. What are you up to?”

“Nothing. Just stressing out you PA because she keeps being rude to me.”

“Lindsay,” he growled. “What did you do?”

“Make her think you were recruiting someone new for her job.”

He shook his head and gave her a rough kiss. “You are so naughty.”

“No, I just learnt to fight dirty. Now it’s to see what happens tomorrow.”

Mr. Divine settled back against her. “We’ll see.”

With You

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Lunch with my sweetheart. Photo by Chris Lawton on Unsplash

Mr. Divine dropped the basket with his lunch onto his desk and pulled me onto the couch and into his lap.

“I missed you so much,” Mr. Divine whispered against my lips before he held me closer and pulled me to almost straddle his lap. Okay…I was straddling him and it felt good to be in his arms after so many weeks.

“I miss you too,” I replied and fell into his kisses.

“When did you get here? Where are the kids?”

I relaxed against his chest as I told him. “ I came in about an hour or two ago. The kids are having a sleepover at their friend’s house, then I heard them mention something about Sunday at my mom’s house. They chased me out of the house.”

Mr. Divine laughed. “When those two put a plan in motion they fight tooth and nail to see it happen.

“Yes, they do.”

He twined his finger into my hair an pulling me close. “So you bought me lunch.”

“Yes,” I said getting up from his lap and going for the basket. I placed it in the middle of the couch and flipped it open.”

He peeked in sighed with pleasure. “My favorites. This is just so amazing. Thank you, honey.”

We settled in and started to eat and stayed there talking and enjoying each other. The time kept ticking away and we don’t care we just were happy to be with each other.

We didn’t know how much time we spent sitting there on the floor but after a while, there was a knock on the door.

“Come in,” Mr. Divine shouted and his PA Lorna opened the door and moved into the room slowly. She looked at our picnic spread out in front of the couch and me cuddled against Mr. Divine’s chest and turned up her nose.

“You got several calls sir. What do you want to do with the messages?”

“On the desk is fine. You can also leave for the day.”

She looked at us then shrugged and left and we went back to being engrossed in each other.

 

Oh Really!

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Happy to see my hubby.  Photo by mari lezhava on Unsplash

Throwing back her head Lindsay started to laugh uproariously. With a smile, she took her picnic basket off the secretary’s desk and moved into the corner and sat down.

“Madam you might as well leave. The boss is busy all day,” she said.

Lindsay smiled and took out her phone. “I’ll just send this little message first if you don’t mind.” Lindsay crossed her legs and got comfortable.

“In fact, I do mind. I’m going to have to call security.”

“Just checking. You did hear the part when I told you I’m here to see my husband.”

The woman got up and rolled her eyes. “As if my boss would be stupid enough to marry someone looking like you.”

Lindsay looked at the woman in shock when she heard her comment taken aback by her blatant rudeness. Just then a message came through on her phone and after Lindsay read it she sat back down with a smile.

“Why are you sitting down? Get out of here woman. As if you can make me believe my boss married you.”

“Lorna! Why are you speaking to my wife like that? In fact, why don’t you call me and let me know she was here?”

The woman looked from Mr. Divine to me then back. “No way. There is no way you are married to her.”

Mr. Divine walked out of his office towards me, pulling me into his arms and floored me with a long, deep kiss. It took me so by surprise that I ended up clutching his shirt and I didn’t even know when I did it.

“Mine,” he growled pulling me closer. Then he turned and looked at Lorna and she backed away slowly.

“If you ever disrespect my wife again you better start looking for a new job.”

“Yes sir, okay sir.” She moved around her desk and sat down watching as Mr. Divine leaned in and kissed me again. After he raised his head he gave me a heated look, took up the picnic basket and dragged me towards his office.

“Hold my calls,” he said to Lorna as I trotted after him. Then she slammed the door shut and locked us inside.