Museum Outgoing Loan: Fill & Download for Free

They act the same as they do in romantic relationships, just without sex. I will share my best example of what happens when you are friends with one.I had a narcissistic bff for some time whom I adored. She was the life of the party, very outgoing and had a great sense of humor. She was from “the wrong side of the tracks" but wanted to better herself.(The first rule of narcissisim: seek out the vulnerable victim) When I met her, I had just moved to town with my new husband who had lived there since childhood, lived in a mansion and was from “old money.” All of the women I had met were just acquaintances and were reserved towards me at first so her friendliness and interest in me was welcome.(The second rule of narcissisim: love bomb your victim) Like with a romantic narcissist, she went all out to endear herself to me. Frequent texts and calls, invitations to lunch, shopping and movies. I was an artist so she took me to galleries and museums. Everything I liked, she liked too. If I was down, she was there for me. If I was up, she was my biggest fan. It was wonderful to have such a good friend.(The third rule of narcissisim: use your victim to improve your status) I invited her to parties, introduced her to people she was in awe of: mayors, senators, society women, some famous artists (even the lieutenant governor who came to the unveiling of a sculpture I did) She fawned over them and soon ingratiated herself with some of them.(The fourth rule of narcissisim: convince your victim of your goodness so they will ignore all warnings about your true nature) Some warned me about her, there were tales about her past, some questions about run ins with the law which her sister mentioned to me, there were suggestions that she didn't “belong" but I was loyal to her and defended her every time.(The fifth rule of narcissisim: devaluation) I let her use my house for a week to have a showing of a high end clothing line she was selling and she ingratiated herself further with some wealthy women. I was there one day, looking at the clothes, when she suddenly made a nasty comment about my taste to another friend. I was stunned and really hurt but still wanted her friendship. I told myself that she was having a bad day and was stressed over money.It didn't get better. Her bad days happened frequently. The snipes, backhanded compliments, sarcasm and outright insults grew more frequent. She started accusing me of sabotaging her clothing sales and not wanting to hang out with her. She didn't answer my calls and texts, then claimed I was ignoring her.(The sixth rule of narcissisim: Discard if a new supply comes along) After a disagreement one day when I refused to give her a loan, she informed me that she couldn't be friends with me any longer because her “new friend" (nouveau riche trash from a background similar to her own) didn't like me. She also made a point of telling me the friend was going to give her the loan I had refused.(The seventh rule of narcissisim: smear your former suppy) I was extremely hurt for a long time, especially since she spread some malicious gossip about me. I was self conscious for a long time, wondering who believed her lies.Eventually, as is usually the case with narcissists, she screwed her life up completely. She got so caught up in keeping up with her rich friend, that she took out so many loans her house ended up being foreclosed on. Still trying to fit in, she forged some checks and stole a credit card and was charged with identity theft . Her husband divorced her and I heard her family doesn't want anything to do with her.She tried to call me a few times but I didn't answer. I think I'm lucky that my feelings were all that got hurt in our relationship.At the time, I didn't know what a narcissist was. It was only in the last year that I learned what NPD is and realized exactly what was wrong with my former friend.It's almost funny how closely her behavior in our friendship mimicked my relationship with my ex. As I said, the only difference with the two of them was the sex.

Made me a multi-millionaire, in any currency you care to name.My net worth was close to zero after 22 years of toil in the UK. I owned a small apartment in North London that was still on a mortgage when I left, which I sold at a good profit about 10 years later. And that was it. I drove a company car and all my spare cash after paying the mortgage and other bills was used up on vacations and occasional meals in restaurants.Now I own two 3-bed condos in Malaysia, one in central KL overlooking the twin towers, the other by the sea in Penang, plus one small landed house in Bangkok - all mortgage-free - plus a heap of investments in stocks and shares, offshore bank deposits and local bank deposits. Anything that makes a return of 4% or more and which is capital protected.My only indulgence is two foreign cars - a BMW and a Jaguar on which I pay short-term loans at about 2% while my unprotected, but heavily diversified, stock investments pay 7–8%. I have a UK index-linked final salary (Defined Benefit) pension that is not counted in my total net worth but valued around GBP1M according to various DB transfer value calculators, and a pension pot in Malaysia (EPF) also valued at about GBP 1M that typically provides dividends of 6.5–7.0%. I receive the usual UK old age pension too.I travel quite a lot but stay at “basic” business-class 3–4 star hotels. I fly economy and sometimes purchase artworks on my travels. Original oil paintings, good quality limited reproductions, museum-quality glass sculptures etc not tourist tat.I still eat out but my partner is a good cook so its limited to once a week now. I still buy my clothes in the UK but tend to shop at Marks and Spencer, not designer shops. No need for winter clothing in Malaysia but I own a good quality leather jacket and a Burberry coat just in case I need to keep warm and dry on an overseas trip.I don’t own a yacht or play golf so my entertainment outgoings are minimal.I still do part-time consultancy work but don’t want or need full-time employment any more.Banks like me because I deposit money with them but hate me too because I save up before I buy and don’t take out expensive loans. The low interest rate on the two car loans is because the dealer/importer subsidises them.Cost of living in Malaysia is very low compared to the UK. Petrol is cheap, food is cheap and regional flights are cheap. Only alcohol, foreign cars and broadband are relatively expensive.Income tax is low - the marginal highest rate is currently 28% but you need to have a taxable income of more than GBP 200K to pay that. There is no tax on investment income or overseas remittances so unless I work full-time again I am unlikely to pay any significant tax at all. I pay no tax on my UK pensions as I am a permanent resident here and Malaysia has a tax treaty with the UK. There is no tax on the EPF income.In short, expatriate life has been very good for me financially. But I have no kids to send to expensive international schools so that certainly helps.

It very much depends on where you want to live and to what standard of ‘living’ you’re used to. I’m assuming this figure isn’t including any course fees etc.Based on what I paid at uni/now, I’ll do a rundown of your bills.Rent - London halls of residence are on average £800 a month (unless you want to rent privately, normally further away from your uni)Electric/gas/water/internet - should be included in your rent if you’re in halls. Can be anywhere between £30–70 a month if you live privately.Phone bill - I think the average contract is £30 but you can obviously get cheaper depending on what you wantTravel - this is where it gets tricky. If you live in Zone 1 or 2, your monthly spend on tubes will be quite small if you can walk to your uni. If you have to get a tube everyday, this will cut hard into your budget. I’d allow £30 a week to get swallowed up by tubes and buses at least.Food - obviously varies person to person but the average student spend on groceries a month is £120 (not London specific). Keep in mind, a bottle of water from a corner shop in London is £1.20. On-the-go lunch in central London will set you back on average £7 in EAT, Pret etc.Toiletries, clothes, household items - easily forgotten but let’s say £50 a month.Other outgoings that are specific to you - university course materials, health insurance, belongings insurance, direct debits, loan fees etc.So we’re up to just over £1000. I’d say this is a minimum amount.Living - so London is one of the best cities in the world so you’ve got to live in it rather than exist in it. We’re talking clubs, restaurants, museums, galleries, theatre, music, art - whatever you like, we’ve probably got it. If you drink, average drink price is £5. If you like to go to clubs, average entry is £10. If you like to get cabs, work in an Uber allowance.The most important thing here is not to rent a property that is over your budget, even by £100–150, because it will eat into your budget and you’ll feel it. If you can’t afford a property near your university and you live further outside of central, make sure you factor in the travel costs as our transport is one of the most expensive in the world.Our supermarkets are actually quite reasonable I think, so rather than buying on-the-go lunches every day (which can set you back around £70–100 by doing so), do a proper food shop on a Sunday and you’ll find your outgoings are dramatically less frightening.There are always free things to do in London, most of our museums and galleries are free, the parks and walks are lovely when the weather’s nice, there’s a lot to do. Culture will adapt for most price range here, so you’ll be able to find cheapish, amazing restaurants in East or South London.So in my opinion, I think £2000 is enough but you’ll find that you can always spend more money in London than you have.Good luck with your application and I’m sure London would love for you to call it your home!