by Sofia S. 09 Aug, 2017

Today, 9th of August 2017, marks ten years since the beginning of the financial crisis which had devastating effects in the life of thousands and thousands of people around the world and filled the pockets (even more) of a few privileged people.

Back in 2007 I was about to become a freshman at University as classes were about to start in a few weeks’ time. I was 23 years old, determined to give my absolute best, focused and motivated.

I went to University a bit later than most people do but life happened that way for me and that’s fine. What matters is that despite all the adversity, I went and I graduated.

In July 2007 I was partying hard in Ibiza with three of my friends and we had the best time together. Memories I will cherish forever. 

However, I don’t recall having heard anything about a financial crisis, all I knew was something about a Wall Street crash back in 1920-something and obviously, that subject was completely outside of my radar. Investments? Banks? Nah. Not a subject for me. It wasn't until Lehman Brothers collapsed that I remember the general panic and that things really started to look bad. Or maybe I was just not paying attention before.

I completed High School with a Diploma in Pottery and Ceramics. At University, studied Marketing, Advertising and PR because at 23 years old I finally decided I wanted to be a copywriter.

I wanted to be the person that writes ads and creates content; I wanted to surrender myself to my artistic vein, to allow for my creativity to fully blossom and develop. I had come to the conclusion that my path was an artistic one and it was time to embrace my future. I had it all figured out. Even when I got pregnant with my daughter during the second semester at Uni, I carried on.

I took a gap year (school year of 2008/2009) because birth was scheduled for December so I couldn’t attend the January exams relating to courses beginning in September. It was the wise thing to do.

When I returned to Uni for my second year (2009/2010) my motivation was stronger than ever. I now had the cutest tiny little human who would be looking up to me and to everything I’d do, she depended on me and it was my duty to ensure all her needs were taken care of. I started to do everything with her in mind and solely having her best interests at heart. And that’s when things changed.

Things were not good at home and that’s as far as I will go in relation to exposing that part of my life. The only thing I’ll say is this: the worst things got, the stronger my motivation to succeed would get.

As part of my course, I needed to attend a Business class. It was only one semester but that Professor gave us two separate classes so in some ways they were linked. For the sake of simplicity, let’s say I had two business classes the same semester.

A few lessons into the class and I felt like I had seen God. What on Earth had I been doing studying arts all my life because that was so not the right path for me.

I landed a job at a Bank shortly after that and from there on, I became determined to learn as much as I could on my own because switching courses to Business or Economics was not an option. I didn’t had the funds and didn’t want to feel like I’ve wasted two years of my life. Especially when I had to take into consideration that I went to Uni later than usual.

I did countless online courses on platforms like Coursera and some of them were so daunting and full of jargon – not to mention the fact they were all in English – so I actually had to repeat a few of them until I could grasp what they were on about.

I started reading the Financial Times so I could understand what was happening in the financial world. I took advantage of a few colleagues that were much more knowledgeable than me to ask questions and learn from them. I became an avid reader of a Portuguese Business newspaper and slowly things started to fall into place and words I had no idea what they meant before, I now recognized and understand them.

I did all of this while looking after a new born, whilst working and whilst attending University. Talk about will power. Looking back, I have no idea where I got the strength from but I did it nonetheless.

I have been working in this industry for nearly 10 years now. I have seen people come and people go. I am blessed to be able to work in an industry that I genuinely love. There is not a single day that goes like the previous one. Everything changes at an incredible pace and if you stop, you become obsolete.

Ten years on since the beginning of the financial crisis, have we learned anything?

I hope so. I see firms committed to give the example from the top; there is more regulation; there is more awareness.

Do I believe that it will happen again? Unfortunately yes but maybe not as the ones we’ve seen before. The financial services industry business is the money business and the goal is to make even more money using someone else’s money. It’s called an “investment” and it can go right or wrong. You risk what you can afford to lose.

The problem with that statement is that the majority of people that cannot afford to lose are usually the ones that end up losing everything even though they have never placed a penny in an investment.

It starts with a family member losing its job. Then, one bill gets left behind, then another and by the time you realise you’re receiving a letter from the Bank saying you’re facing your home is being repossessed.

It’s scary to witness how the financial crisis has long been forgotten by the industry and yet it’s the complete opposite for consumers. People  that ten years on, on a daily basis still worry about a new potential crash and what effect will it have – again – on their families and how will they cope.

It’s a cruel business the money business so I guess it’s totally legitimate for people to ask me why am I in it? How can I associate myself with such practices? The answer is simple. I genuinely believe I can make a difference. No matter how small. I believe in fairness and in righteousness. I believe in doing the right thing so I don’t mind being associated with such industry because if more of us believe in the same thing as me, maybe one day, thinking about a financial crisis where people are left to starve and homeless for no fault of their own will sound surreal and impossible.  

Thankfully, I know I'm not alone in this. I have met so many great people, so many professionals that are a tribute to this industry and profession.

I act in a way I know I will never have to bow my head in shame and in a way that it won’t disappoint my family and have their values judged by others due to my actions. I will never act in a way that will make Diana ashamed of being my daughter. I will always do what my heart tells me is the right thing to do. 

One can dream and, so far, all my dreams have come true.

Like I said. Motivation.

 

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Bebidas, comida e condução.

  • by Sofia S.
  • 20 Feb, 2014

Hoje é quinta-feira e desde terça-feira que se fala no trabalho que “sexta-feira” vamos sair.

Estamos todos a combinar uma saída depois do trabalho. A cultura dos pubs em Inglaterra é algo como nunca vi antes.


Em Portugal ouve-se "Vamos ao café ou à esplanada?", e aqui: "Wanna go for a pint, mate?" :)

Vamos começar pelas doses. Em Inglaterra, seja num pub do bairro (aqui é tipo cogumelo, há um em cada esquina), seja num bar, seja numa discoteca, quando alguém pede uma bebida (exemplo: Whisky/Cola) a pergunta é sempre: Single or Double?

Em Portugal, o barman/barmaid pega no copo e aquilo vai aos 40% álcool, 60% sumo. Vá, se forem amigos, normalmente atestam mais um bocadinho Lol Mas aqui são utilizados doseadores e aquilo vai ao milímetro! Um single (25ml) custa em média 4£ e um double (50ml) cerca de 5/6£. Depende do sítio e depende do dia da semana. Ao sábado é, geralmente, sempre mais caro.

Para além destes singles, há também as sidras. Para quem não sabe o que é sidra, é uma bebida fermentada e à base de maçã. Eu nunca tinha provado antes, quando a cheirei a primeira vez cheirou-me a mijo (a sério, desculpem lá a expressão mas o cheiro ultrapassava o conceito de xixi ou urina, aquilo fede mesmo!) e ainda resisti durante um tempo a experimentar por esse motivo. Mas acabei por fazê-lo. Tenho que admitir que é, de facto, bastante agradável. Há Sidra normal (apenas fermentada de maçã) e há com vários sabores, desde pêra, frutos vermelhos com lima, morango, cereja… Se vierem a Inglaterra e quiserem experimentar, já sabem.

Os pubs servem também refeições. Normalmente caseiras, com preços acessíveis e boas. A comida em Inglaterra (face aos ordenados) é barata e é mais barato comer fora de casa do que preparar a nossa própria comida… Em todas as prateleiras, em todos os supermercados, hipermercados, literalmente, em TODO O LADO há comidas pré-preparadas e para todos os gostos. Comida indiana, empadas, massas de todos os feitios, comida vegetariana, weight-watchers (para quem tenta manter a linha)… É só escolher. Fruta é vendida em quase todo o lado à peça e não ao Kg. No outro dia paguei 40pence por uma maçã! A qualidade da fruta e dos vegetais é muito diferente da nossa, apercebi-me disso assim que cheguei e é das coisas que mais falta me faz.

No outro dia fui à ASDA, uma cadeia de hipermercados (aberto 24h/dia 7 dias por semana excepto aos domingos que fechamàs 16:00)), onde todos os dias há promoções ridículas, e comprei uma caixa de caril de frango por 1£. Isto só para dar um exemplo. Também comprei uma caixa com 10 falafel (pronto a comer) por £1,85, e um pacote gigante com 10 saquetas de batatas fritas por 60pence. 1£ equivale a cerca de 1,20€, para terem uma noção.

Bolachas e uma caixa com 5 donuts por 50pence, um pacote de leite 4pints (cerca de 2,5L) por £1 e estamos a falar de leite do dia…
E a qualidade não é má! Mas por ser tudo pré preparado, a grande maioria dos Ingleses tem tendência a ter um pouco de peso a mais. Mas pronto, há outras coisas como o Fish and chips (delicioso, já agora), kebabs em todas as esquinas e abertos provavelmente 20h por dia tornam difícil resistir Lol

Depois da barriguinha cheia, siga pra bingo. É hora de ir sair.

Elas, independentemente da temperatura que esteja, estão SEMPRE de vestido curto e de/ou sem alças. Faça Sol, esteja a chover, esteja a nevar, estejam 30 graus ou -10, não interessa.
Cabelo com extensões é um must, pestana falsa idem, unha de gel nem se fala e quilos de base é obrigatório. As primeiras duas bebidas normalmente são sempre pagas por elas (se saem com amigas), as restantes são pagas pelos rapazes que estiverem no mesmo local. 80% deles não saem com quem inicialmente entraram, se é que me faço entender.

Cheguei à conclusão que não se trata de auto-estima (achava eu que era falta dela), mas sim de diferenças culturais. Portugal é muito tradicional (eu incluída. Há coisas que ainda me custam imenso compreender), em Inglaterra o lema é “sexo é bom, sexo é saudável e divertido. Se encontras alguém com quem fazer, porque não?”.

É literalmente isto.

Um bocado à frente a mais para a minha pessoa mas não julgo quem o faz. E, de facto, as pessoas aqui são felizes. Queixam-se (pouco) mas sorriem. Toda a gente diz OBRIGADA/OBRIGADO. Toda a gente diz POR FAVOR e se não disseres chamam-te à atenção para esse facto. Yes, please ou No, thank you, é obrigatório!

O civismo na estrada é algo como nunca vi antes. Apesar de conduzirem onde querem e bem lhes apetece e fazerem as manobras onde lhes dá mais jeito, TODA A GENTE agradece quando cedes passagem. É comum as estradas terem carros estacionados em ambos os lados e onde só passa um carro de cada vez. Quase que fazem campanha a ver quem cede a passagem primeiro (parecem os Canadianos loool).

Outra coisa que é interessante verificar é que aqui não há o “condutor designado”. Aqui vai tudo de táxi. O carro fica paradinho à porta de casa, até mesmo por questões do seguro que posso abordar num outro dia porque há diferenças significativas! Mas resumidamente, se tens dinheiro para sair, tens que ter dinheiro para o táxi.
E lá fazem fila, no fim da noite, ordeiramente, e existem pessoas (é uma profissão, na verdade) que organizam as pessoas nessa fila e as encaminham para o seu táxi. Nesta altura da noite, é tipo feira do relógio quando toda a gente foi embora… A maquilhagem completamente esborratada, um olho para o Rossio e outro para o Cais do Sodré. Sapatos? Aaahhh, amanhã compra-se outro par (sim, elas andam descalças na rua). E os kekabs. Normalmente a esta hora está tudo a comer kebabs ou hamburgers. Nham nham.


Mas hoje ainda é quinta-feira. E eu ando sempre de ténis.
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