{"id":13545,"date":"2025-12-18T15:32:00","date_gmt":"2025-12-18T15:32:00","guid":{"rendered":"https:\/\/isic.ee\/?p=13545"},"modified":"2026-02-04T15:49:03","modified_gmt":"2026-02-04T15:49:03","slug":"juuliuse-blogi-tudengipaevik-kuidas-teha-oma-isic-kaardist-isiklik-investeerimisportfell","status":"publish","type":"post","link":"https:\/\/isic.ee\/en\/kasulikku\/juuliuse-blogi-tudengipaevik-kuidas-teha-oma-isic-kaardist-isiklik-investeerimisportfell\/","title":{"rendered":"Student diary from the Juulius blog: How to turn your ISIC card into a personal investment portfolio?"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>AUTHOR: MERILIIS KIVIM\u00c4GI<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-ax661510\">If someone had told me in my freshman year that the most stable \u201cinvestment\u201d of my life wasn\u2019t <strong>ETF*<\/strong>&nbsp;or a high-intrest savings account, instead <strong>a small plastic card called ISIC<\/strong>, I would have laughed (<em>plot-twist I am not laughing anymore<\/em>). Or, well, I would have rather made a price comparison table and asked: \u201cWhat is the yield?\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-vn2du518\">Now, as an economics student, I can honestly say that this card is an irreplaceable asset class for me. Cash flow improves, expenses decrease, and quality of life increases. Classic <em>win-win<\/em>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-ji048522\"><strong><em>*ETF \/ Exchange-Traded Fund:<\/em><\/strong><em>&nbsp;an exchange-traded fund that pools many investments (e.g. market indices or sectors) at once and can be bought and sold like a stock, at a price that changes throughout the day.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"viewer-7k5p7527\"><strong>Monday \u2013 Apollo Cinema and Macroeconomic Self-Deception<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-23kn9529\">I went to the cinema again on Monday. \u20ac5.99 student ticket (<em>for Apollo Club members<\/em>)\u2026 and I lied to myself that it was \u201cfor learning\u201d.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-9u0rm533\">I analyze the structure of narratives \u2013 that is, how the story is built: conflict, rising events, climax, resolution\u2026 all that stuff that doesn\u2019t really save the economy, but sounds smart. It\u2019s <em>investor psychology<\/em>, right?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-uqw0i537\">Actually, it's simple: when the cinema is half the price, I feel like <strong>Warren Buffett<\/strong>, the legendary value investor and CEO of Berkshire Hathaway, who buys stocks when others are panicking \u2014 or \u201cbuys the dip.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-hh447541\">IT students next door: \u201cI only came here because the popcorn machine is acting like a server I want to hack.\u201d<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"viewer-lry3k545\"><strong>Tuesday \u2013 TalTech Sport and my cheapest healthcare reform<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-16zhq547\"><strong>Economists say that health is capital.<\/strong>. I say that <strong>TalTech Sports semester card 25\u20ac<\/strong>&nbsp;<em>(or free exercise class)<\/em>&nbsp;is capital amortization minus<strong>&nbsp;chance of dying while exercising<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-zy944556\">Training week pattern:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>I enter proudly, because I have an ISIC.<\/li>\n\n\n\n<li>I do 10 minutes on the treadmill, 10 minutes on the bike, 15 minutes on the rowing machine, 15 minutes <em>of yapping<\/em>and I feel like a <em>productivity influencer<\/em>.<\/li>\n\n\n\n<li>I walk into the shower and say \"Today was a recovery workout.\"<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-uew86568\">Sometimes in addition I use:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Adidas Running apps 3 months free premium<\/strong>to measure ROI in sweat drops.<\/li>\n\n\n\n<li><strong>Strava -50%<\/strong>, which makes my training schedule more beautiful, although the pace resembles the schedule of a potential economic crisis.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-7yog8579\">If I want a change:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>YogaHub <\/strong>(first month free)<\/li>\n\n\n\n<li><strong>MyFitness <\/strong>(joining 0\u20ac)<\/li>\n\n\n\n<li><strong>24\/7 Fitness <\/strong>(-20%).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-anbzi594\">Engineers at the same time: \u201cCan someone measure the force arm vector so that my <em>squat<\/em> would be at an optimal angle?\u201d Naturalists: \u201cIs the organism designed to run at all?\u201d<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"viewer-d1525598\"><strong>Wednesday \u2013 YogaHub and mental balance (which lasted 7 minutes)<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-ka2nq600\">The free trial at YogaHub was beautiful. <strong>The studio is beautiful, the people are beautiful, even the color of the mat was beautiful.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-fd8ry603\"><strong>Me? Like a broken macrograph.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-1hk9f605\">In other words: imagine an economic graph that should show beautiful, stable growth... but suddenly comes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>sudden falls (my motivation),<\/li>\n\n\n\n<li>unexpected jumps (my anxiety),<\/li>\n\n\n\n<li>lateral drifting (my ability to concentrate),<\/li>\n\n\n\n<li>and complete confusion (my thoughts after three hours of lecture).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-fh8bg620\">Just the kind of graph that would make even macroeconomics professors scratch their heads.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-ul9b7622\">But free = an intangible asset whose value is only appreciated by the heart (and wallet). <em>PS: Anything with ROI = \u201cI feel better afterwards\u201d goes on the balance sheet as an intangible asset.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"viewer-ap2u3627\"><strong>Thursday \u2013 Ronimisministeerium and Existential Crisis on the Wall<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-lwfej629\">I got -25% at the Ronimisministeerium and climbed the wall like a hungry student who wants a scholarship for life.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-anffo631\">Up there, in the middle of the wall, I was already thinking macroeconomically:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If I fall, what is my risk? <em>exposure<\/em>?<\/li>\n\n\n\n<li>If I don't fail, will my risk tolerance increase?<\/li>\n\n\n\n<li>Is this capital accumulation?<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-d17m6643\"><strong>Spoiler: I fell.<\/strong>&nbsp;<strong>But the ticket was cheaper, which reduced my emotional loss.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-zyi16647\">IT student next door: \u201cCan I get my climb on GitHub <em>?<\/em>Naturalist: \u201cCould gravity pause for a few seconds?\u201d (Answer: no.)<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"viewer-f8kb5651\"><strong>Friday \u2013 O\u2019Leary\u2019s -50% and the collective financial illusion<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-6ukur653\">Bowling -50%. Shuffleboard -50%. Billiards -50%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-zy96r655\">Everything is perfect\u2026 until someone says: <strong>\u201cWe\u2019ll take the fries too.\u201d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-dl8ei658\">Economics student rule <a href=\"https:\/\/www.juuliuseblogi.ee\/my-blog\/hashtags\/1\" target=\"_blank\" rel=\"noreferrer noopener\">#1<\/a>: When you save money, you spend it right away - so that the balance sheet balances again.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-4umoz660\">In parallel, engineers calculate how many degrees the ball must change its angle of fall in order to <em>get a<\/em>strike.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"viewer-ywaqw664\"><strong>Saturday \u2013 Elroni -30% and romance on train lines<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-0s3bx666\">If you need to drive somewhere, Elron. -30% makes even the Tallinn-Tartu drive romantic, because:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>you can look at nature from the window,<\/li>\n\n\n\n<li>read a script (or pretend to read),<\/li>\n\n\n\n<li>to think of your life as<em> indie<\/em>-film character.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-19q6f678\">And the savings\u2026 sometimes they are so real that I can <em>buy<\/em>a croissant. Maybe even two.<em>(Inflation determines.)<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-w123r681\">For longer trips I use <strong>10\u201315% discount on Lux Express<\/strong>&nbsp;\u2013 convenience doesn't have to be a luxury. In some countries, it means getting what you save for your money. <em>cappuccino<\/em>...in some just a napkin, in Sweden a piece of ice. <strong>But the principle is important.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-y8i41686\"><strong>One of my favorite discoveries was Homestay<\/strong>. Accommodation with locals, where you see life as it really is \u2013 not through a hotel filter. With ISIC -50% it felt like an official invitation to go and discover the world without your wallet crying after the first night. Plus, you see life from a completely different angle: morning coffee in an old-fashioned kitchen, family jokes, local recommendations that Google doesn't show\u2026 As a student, it all feels luxuriously authentic.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-w8y6h689\"><em>Having BEST or ESN contacts abroad always helps too \ud83d\ude09<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"viewer-b8zy9693\"><strong>Sunday \u2013 Adobe, Office, and all those platforms that make me more productive\u2026 <\/strong><strong><em>theoretically<\/em><\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Office 365<\/strong>\u00a0free (thank you TalTech, you are my anchor).<\/li>\n\n\n\n<li><strong>Adobe<\/strong>\u00a0-60% (feel like a creative director).<\/li>\n\n\n\n<li><strong>Coursera ja Skillshare<\/strong>\u00a0(free period \u2013 so I only use the period).<\/li>\n\n\n\n<li><strong>Unity Student Plan<\/strong>\u00a0(I always think I'll make a game... But I don't.)<\/li>\n\n\n\n<li><strong>SAP Learning Hub<\/strong>\u00a0(sounds very smart on my CV).<\/li>\n\n\n\n<li><strong>IDAGIO <\/strong>\u2013 ideal when you need a classic to make a macro textbook seem 0.5% more inspiring.<\/li>\n\n\n\n<li><strong>Komoot Region Bundle<\/strong>\u00a0\u2013 free voice control and offline maps both in Estonia and abroad. Perfect if your map reading skills are as bad as your sleep cycle.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-ha061725\"><strong>Merit Aktiva + Merit Palk<\/strong>&nbsp;\u2013 completely free accounting heaven.<strong>This is a hardcore economics student's dream<\/strong>: do your own (or your friends') accounting like a little CFO. Employers look at your CV and think: \u201cAhhaa\u2026 this is where you can get the person.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-r1ve1730\"><strong>Do I use all of them? <\/strong>Of course not. I'm a student, not a supernatural being. Like any student - <em>I surrender to optimistic planning.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"viewer-rxofr738\"><strong>Summary: How one card makes my student life cheaper and my financial analyst soul more at peace<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-79nyj740\">I<strong>ISIC is not just a card <\/strong>\u2014 it is:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the students <strong>private financial stimulus,<\/strong><\/li>\n\n\n\n<li><strong>small shock absorber<\/strong>\u00a0between personal economic crises,<\/li>\n\n\n\n<li><strong>balance between my pocket and huge expectations,<\/strong><\/li>\n\n\n\n<li>and <strong>sometimes even a lifeline<\/strong>, if you want to enjoy life, but the money is\u2026 well, student money.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"viewer-kibwl763\"><strong>How can I stay informed about the next months' offers?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-dxfo4765\">Easy:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>download <strong>the ISIC app<\/strong>\u00a0\u2014 it's like a compass of benefits,<\/li>\n\n\n\n<li>follow <strong>@taltechue<\/strong>\u00a0and <strong>@isicestonia<\/strong>\u00a0on Instagram<\/li>\n\n\n\n<li>and also keep an eye on the <strong>TalTech's Juulius blog.<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"viewer-ecs9q784\"><strong>Have a successful end of the semester and approaching the session!<\/strong>&nbsp;\ud83c\udf93\u2728<\/p>","protected":false},"excerpt":{"rendered":"<p>AUTOR: MERILIIS KIVIM\u00c4GI Kui keegi oleks mulle esimesel kursusel \u00f6elnud, et mu elu k\u00f5ige stabiilsem \u201cinvesteering\u201d pole ETF*&nbsp;ega k\u00f5rge intressiga hoiukonto, vaid v\u00e4ike plastkaart nimega ISIC, oleksin naernud (plot-twist ma ei naera enam). V\u00f5i noh, pigem oleksin teinud hinnav\u00f5rdlustabeli ja k\u00fcsinud: \u201cMis on tootlus?\u201d N\u00fc\u00fcd, majandustudengina \u00fctlen ausalt \u2014 see kaart on mul lausa asendamatu&hellip;<\/p>","protected":false},"author":2,"featured_media":13550,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[68],"tags":[88,81,89],"class_list":["post-13545","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kasulikku","tag-isic-kaart","tag-isic-soodustused","tag-tudengilugu","category-68","description-off"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Juuliuse blogi tudengip\u00e4evik: Kuidas teha oma ISIC-kaardist isiklik investeerimisportfell? - ISIC Eesti<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/isic.ee\/en\/kasulikku\/juuliuse-blogi-tudengipaevik-kuidas-teha-oma-isic-kaardist-isiklik-investeerimisportfell\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Juuliuse blogi tudengip\u00e4evik: Kuidas teha oma ISIC-kaardist isiklik investeerimisportfell? - ISIC Eesti\" \/>\n<meta property=\"og:description\" content=\"AUTOR: MERILIIS KIVIM\u00c4GI Kui keegi oleks mulle esimesel kursusel \u00f6elnud, et mu elu k\u00f5ige stabiilsem \u201cinvesteering\u201d pole ETF*&nbsp;ega k\u00f5rge intressiga hoiukonto, vaid v\u00e4ike plastkaart nimega ISIC, oleksin naernud (plot-twist ma ei naera enam). 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