Showing posts with label lisbon. Show all posts
Showing posts with label lisbon. Show all posts

Thursday, 9 June 2016

Trabalhar no Reino Unido - a minha história

A última vez que aqui escrevi foi há pouco mais de dois anos. Desde essa altura, tanta coisa aconteceu. Tantas mudanças, tantas pessoas já cruzaram caminho comigo e saíram da minha vida quase tão rápido como entraram. Não por algum motivo específico mas apenas porque às vezes a vida é assim mesmo.

Estou em Inglaterra há quase três anos e cada vez que penso nisso fico ligeiramente boquiaberta porque não parecem três anos. De certa forma parece que estou aqui há mais tempo, mas por outro lado parece que foi ontem que aqui cheguei.

Da última vez que escrevi, estava a trabalhar para uma seguradora. Odiava aquilo. Detestava o trabalho em si e ficava super longe da minha casa. Tendo em conta que na altura não tinha carro, demorava horas a chegar ao trabalho e horas a voltar. No entanto, os meus colegas eram absolutamente incríveis – o que tornava o dia bastante melhor, diga-se de passagem – e  fiquei bastante próxima com alguns. Passámos de colegas a amigos.

Foi através desse trabalho – e através do meu então chefe – que tive a oportunidade de voltar a trabalhar na minha indústria – finanças – mas desta vez, e pela primeira vez em terras de Sua Majestade. Ele sabia o quanto eu estava infeliz a trabalhar com seguros e quando soube de um trabalho na minha área e mais perto de minha casa, enviou o meu currículo e acabei por ser chamada para uma entrevista. Consegui o trabalho mas infelizmente, poucos meses depois, esse projecto foi transferido para Londres e como eu não estava interessada em deixar Bristol (assim como todos os meus colegas) rescindimos amigavelmente.

Desse projecto, consegui entrar para os quadros de um dos maiores Bancos mundiais. Estive lá durante 1 ano e meio e enquanto procurava por novos desafios, candidatei-me a um cargo numa PME (Pequena e Média Empresa) que se especializa numa área muito específica de investimentos. Optei por me candidatar a esse cargo e, eventualmente, aceitar a proposta que me fizeram por dois motivos:

1.        Ao trabalhar num Banco tão grande, o meu trabalho passava despercebido e não há forma de fazer a diferença (acreditem, eu tentei e não acabou bem). Para além disso existem pessoas com egos demasiado grandes cujo único propósito na vida é alimentar o ego através do abuso a funcionários que na estrutura hierárquica estão abaixo deles. Já não conseguia aguentar aquilo e como estava a entrar numa espiral super depressiva vim-me embora.
2.        Trabalhar para uma PME oferecia-me a oportunidade rara de trabalhar num nicho de Mercado onde não existe abundância de pessoas qualificadas. Isto permitia-me uma diferenciaçao no que diz respeito a especializações nesse tipo de investimentos.
 
Infelizmente - como vim a perceber rapidamente - pessoas com grandes egos e mentes pequenas podem surgir independentemente do tamanho duma empresa. Trabalhar ali, revelou-se uma autêntica decepção.

Trabalhei inúmeras horas sem pedir horas extras porque realmente acreditava que o mais importante era ter orgulho na minha ética de trabalho e garantir que os clientes receberiam o melhor resultado possível para os pedidos, considerando as taxas elevadas que a empresa cobrava aos clientes (e além do mais existem prazos legais a ser obrigatoriamente cumpridos).

Fui estúpida, não fui? Eu sei, mas pronto… Vivemos e aprendemos. Apesar de estúpida, se há algo que não conseguiram roubar de mim, foi o sentimento de voltar para casa, deitar a cabeça na almofada e sentir-me bem comigo própria. Saber que eu fiz por alguém, aquilo que eu gostaria que fizessem por mim se fosse o inverso. E isso não tem preço. Trata-se do meu próprio orgulho e há coisas que o dinheiro simplesmente não compra nem nunca vai comprar.

Mas adiante. Infelizmente, ter ética do trabalho não leva ninguém muito longe se tivermos que trabalhar com grandes egos e mentes pequenas; Por esse motivo, 6 meses depois voltei ao mercado de trabalho.
Vale a pena mencionar que as pessoas com grandes egos não eram sequer uma mão cheia. No entanto, o efeito negativo que esse tipo de indivíduos podem causar a longo prazo em organizações é substancial.

Neste momento estou a trabalhar para outra PME – no mesmo nicho de mercado tal como a anterior (com algumas diferenças, especialmente em relação ao tipo e natureza dos investimentos que o cliente pode escolher, mas não vou entrar em detalhes técnicos e jargão financeiro porque não é esse o objectivo deste post) e estou posso confirmar que estou muito feliz.

Trabalho com pessoas que estão focadas no cliente, no serviço, que estão comprometidos em trabalhar em equipa, em crescer profissionalmente, focados na construção da empresa em conjunto e, mais importante, aqui preocupam-se com os funcionários.
Nunca fui abusada verbalmente (sim, isso existe por estas bandas e ao pontapé), nunca me fizeram sentir que a minha opinião e ideias são inúteis ou despropositadas e reafirmam sempre que o esforço que eu colocar no meu trabalho não passa despercebido.

Cerca de dois de meses depois de começar a trabalhar onde estou, completei dois módulos de formação para funcionários de outros departamentos, tenho um plano de carreira concebido pelo meu chefe e que está em constante evolução e a forma como ele conduz a equipa tem um efeito transversal a todos os departamentos da empresa. Todos os departamentos trabalham juntos com o mesmo objectivo em mente: o cliente.

Tudo acontece por uma razão. E neste momento sinto-me super abençoada por estar onde estou agora.
Há uma conhecida expressão que diz: "tive que beijar muitos sapos antes de encontrar meu príncipe encantado"; acredito que o mesmo pode ser aplicável à minha situação de trabalho actual.

Às vezes páro para pensar como a minha carreira foi catapultada em menos de três anos. Está a anos-luz de distância daquilo que poderia ser impulsionada em Portugal, a menos que eu tivesse o factor C involvido. Aqui, quem trabalha com afinco e dedicação, vai longe. Aqui, os trabalhadores sao efectivamente, recompensados - a menos que surjam pessoas com grandes egos e mentes pequenas! Nesse caso, provavelmente enfrentamos uma série de desafios como paredes de betão armado daqui ate a Lua e portas a fecharem-se abruptamente na nossa cara sem qualquer tipo de problema. 

Já agora, se alguém que estiver a ler isto, estiver nessa situação, aconselho vivamente a sair. É um desperdício da tua dedicação e energia. Ao final do dia, nao vale a pena.

O Reino Unido (em relação a trabalho) é um pouco como a América (terra da liberdade e terra das oportunidades), mas num estilo europeu. E provavelmente com um pouco mais de classe. Ah, e com chá. Uma quantidade exorbitante de chá!

Neste momento, estou a juntar dinheiro para comprar uma casa. Para tal, arranjei um part-time aos fins de semana. Qualquer pessoa que queira pedir um Crédito Habitação por aqui, precisa - em media - cerca de 10% do valor da casa e em dinheiro vivo para abater no valor inicial. Os Bancos so financiam 90%.


Comecei o meu primeiro turno este fim de semana e tendo em conta que a minha vida às vezes parece uma novela Mexicana, é certinho como o destino que já tenho histórias para contar! 

Mas vou deixar essa história para outro dia :)

Tuesday, 7 June 2016

Mortgage Part 1

After two years of no letters, I’m now writing two days in a row. Let’s see if I can keep up with regular posts. As I wrote yesterday, I promised that I would write in relation to the part-time I got recently as I am saving money to buy a house.

Firstly, it’s important to state that buying a house doesn’t come cheap in the UK, especially in Bristol. Only last year, the house prices have risen a ridiculous 6.7%, meaning that Bristol is just behind London and Cambridge when it comes to increases in house prices. This means that the average price of a house is now around £220,000.00 (yes, two hundred and twenty thousand pounds for your average 2 bedroom house. I know, trust me, it kills me too.).

One of the problems with this? The initial deposit banks require you to have when you’re looking to take out a mortgage is rarely less than 10% of the value of the property. So, even if you are looking to buy a property worth £200k, you’ll still need to have £20k in cash to put down immediately.

Another problem with this? Wages don’t rise 6% per annum, which makes it very complicated for people to save the necessary funds in order to give their 10% deposit. Just out of curiosity, the latest figures from the ONS (Office for National Statistics) dated early 2016, show an average wage growth of 2% per annum on weekly earners and obviously, the BoE (Bank of England) monitors this closely for signs of inflation.

But back to mortgages as I struggle to understand why would anyone be so fascinated with these figures as much as I do! Most of the people who are now buying a property are either buying it off from their parents with a lower yield (ie their parents have a lower rate of return by selling it to their son/daughter than they would if they were to sell it in the market), allowing them to get a mortgage with a much more substantial lower deposit and also secure a lower interest rate as they are technically getting a bargain. If they don’t keep up with the re-payments, the house gets repossessed by the lender who can then sell it at a lower price than market price in order to arrange a quick sale, but a price high enough to make a profit out of it. Same as it is everywhere. The higher the risk, the greater the interest rate you have to pay to a lender.

If your parents don’t have a second property you can buy off from, but have savings then it’s “Mum and Dad’s Bank” entering the scene. Parents either give or lend to their children the 10% they need to purchase a house. Some Inheritance Tax advice is sought here as there may be tax implications, but I’m not going anywhere near that subject here.

If you’re like me and don’t fall under any of the two categories I just described, you proceed to get a second job – no matter how shit it is – and try to save as much as you can. You know your effort will be well worth it in the end.

There are Government schemes for savers if you are a first time buyer which can help you get on the house ladder; unfortunately I’m not eligible as I committed the big, huge and massive mistake of buying a house in Lisbon a few years ago and because of that I am now faced with this challenge: save enough money for a house deposit with no help at all.
There are a lot of variables one needs to take in consideration whilst contemplating the possibility of buying a property. Working in my industry I am probably biased but… Location, location, location!

A property is an asset which has a value attached to it and the location is something that will either make a property increase in value over time or conversely, decrease it – which in that case you’ll have what we call “negative equity”. It doesn’t mean you’re in debt, but you are left with an asset (and paying for it - your mortgage), but no it’s no longer worth the price you initially paid for. Like cars. Cars always go down in value. So making the right choice in relation the location of a property is a big factor to take in consideration.

A funny thing about the UK system when it comes down to renting a property (or owning it actually!) is the council tax. The council tax is what we refer in Portugal as IMI (Imposto Municipal sobre Imoveis) with the “slightly” difference that it’s paid by the tenant, not the home owner. The amount of council tax you pay is directly connected to:
11.       How many people live in the household;
22.       The value of the property.

The council tax bill is the citizens’ way of helping to pay for local services like emergency services, rubbish collections, libraries, schools, street lights, etc.

But I am deviating from what I wanted to write in the first place… My part-time job!

I’ll have to leave it for another time. Next post. I promise. 



Monday, 6 June 2016

Working in the UK - my story

The last time I wrote on this blog was just over two years ago. So much has happened since then. So many changes, so many people have crossed my path that left as quickly as they entered. Not for any specific reason, only because that’s the way life sometimes works.

I have been in the UK nearly three years now and every time I think about it I get slightly stunned because it doesn’t feel like three years at all. In some ways it feels longer and in others, it feels less.

When I last wrote I was working for an insurance company. I hated it. Absolutely hated it. I didn’t like the job and it was miles away from my house; considering I didn’t had a car at the time, took me absolute ages to get there and get back. However, the people I worked with were absolutely amazing and I am still quite close with a few of them. We went from being colleagues to being actual friends.

From there – via my manager at the time – I had the chance to leave that job and get back to my industry – financial services. He knew how unhappy I was working in Insurance and when he was told about a project closer to home and within my expertise, he put my name forward and I was invited to attend in interview. I got the job but unfortunately that project was relocated to London just a few months later and as I wasn’t keen on leaving Bristol (like everyone else in my team), we were all made redundant.

From there I proceed to work for one of the biggest banks in the world where I stayed for 1 year and a half, before leaving and join a SME (Small and Medium Enterprise) that specialises in a very niche area of financial services. I did it for two reasons:
1.       Working for a Bank that big, your work gets unnoticed, there is no way you can make a difference (I tried, it didn’t end well) and there were too many egos around from people whose only purpose in life is to feed their ego by mistreating staff members. I can’t cope with that and I was getting more depressed by the day;
2.       Working for that SME would give me the rare opportunity of working for a niche market where there is not a great deal of information around and therefore I would be able to enhance my skills and gain that knowledge.

Unfortunately – as I came to realise – people with big egos and small minds can show up no matter how big or small a firm is and that SME ended up being a disappointment. I worked countless hours without asking for overtime because I genuinely felt that the point was to take pride in my work ethics and ensuring the clients would receive the best outcome possible considering the amount of fees charged by the firm. How stupid was I? I know but hey, you live and you learn. On the other hand, there’s nothing quite like coming home, laying your head on your pillow and feeling good about yourself. Knowing that you’ve done for someone what you would like for someone do for you (if it was the other way around) is priceless. There’s no price tag on that. It’s your own pride.

But anyway, having work ethics doesn’t take you far if you work with big egos and small minds and I left that company 6 months after joining. Worth mentioning that people with big egos were not even a hand full. Nonetheless, the detrimental effect that people like that can cause on the long term, is substantial.

I am currently working for another SME in the same industry as the previous (with some differences especially in relation to the type and nature of investments the client can obtain but I’m not going to get into the technical details and financial jargon as there is no point) and I am so happy. I work with people who are all committed with the client, who are all committed in working together; building the firm together and most importantly, they care about their staff members.

Never ever I was verbally abused here, never ever was I ever made feel that my opinion and ideas are useless and that the effort I put in my work is unnoticed. On the contrary, just a couple of months after joining I completed two sets of training for staff, I have a career plan designed by my line manager and the way he conducts the team subsequently has a positive effect throughout the business. All departments work together with the same goal in mind: the customer.

Everything happens for a reason. And I feel so blessed to be where I am now.
There’s a well-known expression that goes like this “Had to kiss a lot of frogs before finding my prince charming”; well, I believe the same could be applicable to my current work status.
I sometimes think how my career was boosted in less than three years. It’s light years away from what it could ever be boosted in Portugal unless I knew person, X, Y or Z. Well, not weird really. Here, if you work hard, you will be rewarded – unless you work with people with big egos and small minds! Then you’ll probably face a lot of challenges and brick walls and doors slamming in your face. I would advise you to leave, if you’re in that situation. It’s a waste of your dedication and energy.

The UK (in relation to work) it’s a bit like America (land of the free and land of opportunities) but in a European style. Probably a bit classier. Oh and with tea. An awful lot of tea!


At this point in time, I am saving to buy a house. I have a part-time on the weekends as in order to get a mortgage in the UK, you need – in average – about 10% of the value of the house in cash to give as a deposit. I started my first shift this weekend and oh boy, do I have stories already! But I’ll leave those stories for another day J