
I graduated from BYU. Alumni, that’s me.
I hold a Bachelor of Science degree
(capitalization = looks more impressive)
in
Clinical and Developmental Psychology
w/ a minor in Business Management.
I sold back my books, and old textbooks I had been hoarding away, and all that’s left is to order my cap and gown and walk in April. Under my master business plan I call “Life” I have two immediate sub-projects: “Set up a productive day to day schedule” and “Plan on how to accomplish my longer-term goals.
Productive Day to Day Schedule:
First I work full-time at Heritage Schools as a counselor. Love my job. I am currently a morning counselor. This means that my work schedule looks pretty crazy if you didn’t know how my job works. I’ll try and draw a calendar for you to see. My goals at work? My next promotion, should I choose to accept, would be as a Team Lead. This would mean I’m overseeing the day to day goings-ons of the treatment programs of 10-16 boys or girls. Pro: much appreciated pay raise. Con: No more 3 day weekends. In fact I would work every Saturday and Sunday again (like I have been for 2 years). For now I’ll enjoy my weekends off and will be able to go to church each Sunday. That will be a refreshing change.

Next, what do I do when not at work?
Goal number 2: Exercise.
Back in the glory days of high school, I ran. I loved it. I would run for miles and want more. That was how I kept healthy. I did this until I left for my mission to Brazil. When I got back I haven’t had any sort of exercise program. In fact, my faulty genes finally caught up with me, and the valves in my veins gave out on me and I had to have two surgeries to close off some major veins. I’ve recovered, but 1) am advised by my cardiologist to avoid chronic high impact sports (like running or basketball) and 2) while my legs look and feel 100% better than before, I have chronic stiffness in my quads now. I was told that swimming and biking were good ideas. So… my plan is this. After I get off of work at 9, some days I will go swim laps in the indoor heated company pool. Other days, I will work out in the weight room here in my apartment complex clubhouse. Once the weather get better (May) I’ll pump up my bikes tires and go for rides. While I was never destined to have a baseball player physique, I can extol the correlation between exercise and being healthy and happy.

Goal c (and these are in no particular order): Being a more informed Stock Trader.
2008 was a tough year in the market. I made some good moves and a few bone head errors, the biggest of which was when I tried to sell off 100 shares of Washington Mutual THREE hours after the Feds seized it (read: 3 hours too late) and lost hundreds of dollars in a heartbeat. The market giveth and the market taketh away. I now have 3 different investment accounts:
Roth IRA (Charles Schwab): strictly defensive mutual funds to go long. This is the majority of my $$$
Roth IRA (Scottrade): this was so I could get my feet wet in the investing world and take greater risks.
Individual Account (Scottrade): I opened this account on Monday with short term goals- since it’s not a ROTH I can sell shares when I need help to pay for big things: engagement ring, down payment on a car, emergency cash, or whatever. I’m deciding what to do with it. Right now It’s still cash. On one hand it would be nice to put it to use and earn some ROI for me in the next few months before I’d have to use it. On the other hand, I really don’t want to lose any of it, so maybe I should go with safe non-volatile blue-chips. Right now I’m brainstorming a few: Pfizer, Macy’s, Caterpillar, Boeing, US Steel, Google, Wal-Mart… I’ll narrow it down to my “fav 5″ and buy incrementally. Financials are too risky for my portfolio this year, and I want to wait 2 or 3 quarters to see what the Obama administration is going to actually do in the energy sector (again, too risky at the moment).

Which brings me to Goal 4: Budget.
I am now cut off from the Parent Scholarship and am without a golden egg. Now it’s by the sweat of my brow. I’m not making bank, so I need to live frugally. This should be rather easy as I am a single guy living in a very cheap area without many financial obligations or other mouths to feed. I can life on beef jerky, Wendy’s dollar menu, and Hershey kisses, so that takes care of groceries. Health insurance is taken out of my paycheck (pre-taxes thankfully), I have rent, utilities, car insurance, cell phone bill, tithing & fast offerings, gasoline, plus I need to be saving. I want to put away at least 10% of my net to longer-term savings (to be used before my Scottrade individual account) and the rest save for shorter term big expenses.

I’m learning that life is expensive. Here are the major purchases in the foreseeable future:
New tires: $(few hundred)
A new computer: $750-900 or much less. My laptops is 4 years old and is showing her age in the worst of ways. I am debating whether to build one myself or just buy a laptop. A huge + is portability. Then again, this one doesn’t leave my desk. Considering I already have an awesome monitor, keyboard, mouse, it would only cost a few hundred to build a great desktop myself. That way, I could upgrade it whenever without having to buy a whole new computer. I think I’ll build one.
Dental work: $No idea. My molar is becoming sensitive, I may be getting a cavity. I think my insurance may cover the deductible but I’ll have to double check. If not then $ (whatever a cavity filling costs).
Car maintenance: $hundreds. My car is a sneeze away from 80k miles. I just had the transmission flushed and my car appreciated it. At any time, something could break or give out. I plan on running her into the ground, but am kinda keeping an eye out for what cars cost now a days. Obviously I don’t have much disposable income to spend on monthly payments but could look around. By the way, I’m a big fan of buying used cars for this simple reason: You buy a new car at a premium. The second you drive off the lot it loses thousands in value. Looking around you can find great deals on cars with minimal mileage for thousands less than a new car. Speaking of transportation, my mom will be relieved to hear that I can’t responsibly afford to buy the kind of motorcycle that I would want. It would cost between 4-6k for the bike, 250 for the course, and a few hundred on riding gear (not to look cool, but so I wont die), etc. Someday maybe it would be cool, but while I’m saving I can’t afford it.
Grad School. This is the big mama. No doubt I’ll need loans but you still need some money. I still don’t know where I’ll go or what program to go into. There are many ways to become a therapist. I could go to the University of Utah for their master of social work program, I could go to San Diego for marriage and family therapy, or I can stay in Provo sign up for the tuition assistant plan at work, attend the University of Phoenix master of marriage and family therapy program while working and become a therapist at Heritage when I finish. This list is by no means extensive, but they all have pros and cons. This is a big one for my “How to accomplish longer-term goals” project.

Heaven forbid I should meet a girl and get married. That would throw off my budget entirely! Maybe this should also be added to my longer-term goals group.
Past-times:
All work an no play makes Jonny a dull boy. In my free time, I have a few more goals.
Read good books: I have 3 six-foot bookshelves with books just itching to be read. Right now I am 200 pages into Bill Clinton’s 1000 page autobiography My Life. Despite what you or I may think of him personally, he is a gifted writer and story teller. It’s a fascinating read and I am enjoying it thoroughly. I also have Obama’s second autobiography. Again, it should be interesting. I am an independent conservative, but believe the words attributed to Aristotle, “It is the mark of an educated mind to be able to entertain a thought without accepting it.” How true that is.

There is a website called Troubled Teen Blog that is for parents facing the placement of their teenagers in a psychiatric treatment center. I have guest blogged over there a time or two on behalf of Heritage Residential Treatment Center, but have been very busy the past 3 months and unable to lend them my attention. I want to write more posts for the website and answer parents questions about treatment centers and especially Heritage. It’s the least I can do.

Lastly, I would like to write more. This blog is about my only outlet for writing at present. However, I church out a post in half an hour, and without proofreading it, publish it. I want to make it a goal to dedicate more time to thoughtful, insightful posts. Probably mostly about Mental Illnesses. A whimsical goal would be to someday write a book. I’m not exactly sure what it would be about, but I’m brainstorming on writing a few quality entries.

Ok well, I have to run to the store, it’s getting late. Tune in next time.