Tuesday, December 30, 2008

2008 10 Milestones & Tombstones

10th wedding anniversary. The Aluminum Anniversary! Yum Seng! Honeymoon is over la, but the hard work starts now in raising the kids to be good beings. Yeah, life is no longer just the 2 of us, life revolves round the kids. Hopefully in many moons to come, these 2 kids will bring us the honey!

9 days 6 nights Tour De Italy in November. That was the out of the box equation by the travel agency. The extra 2 days were spent in airports and lost to time zone. Visited Rome, Pisa, Florence, Venice, Verona, Milan and a short trip to Swiss border! (Postcards from Bella Italia, posted on 27 Nov).

888 Fatt! Fatt! Fatt! Slow and steady in assets accumulation. The extra cash was forced to work hard for its own good. Long term is the game. Even though the share market tanked, the only way is up! Other newsworthy piece was that the wills were done up nicely. Sorry dude – nothing for you! (Long Term Investment Goals, 16 Sept & Seek Wealth, 22 Dec).

7 years old daughter survived Primary 1. The horror stories on pressure and difficulties in coping with the screwed up education system were all unfounded. Yes, the education system could definitely be improved. No, the kid did not dread going to school. As a bonus, she indulged in badminton and dancing and thoroughly enjoyed herself! Being an all rounder is the way to go! (Dance, Little Lady, Dance, 5 Aug & So You Think You Can Dance, 30 Jul).

6- June 2nd – new kid on the blog! http://metta88.blogspot.com. The rest is history! (New blogger in town, 2 Jun).

5- May 4th – first visit as a hospice volunteer to spend time with cancer patients at Oncology ward at GH. There is so much to learn from these patients and their caregivers. Tour of duty is every first Sunday of the month. (An Evening With Cancer Patients, 4 Aug).

4 Death! Mom lost 2 persons dearest to her within 2 months; her hubby (3 Oct) and mom (3 Dec)! RIP - dad and granny. (Obituary, 3Oct & Obituary II, 3 Dec).

3 – Mar 8 12th general election – Enough is enough. Malaysians voiced out via the ballot papers. The out of touch ruling party lost its 2/3 majority and 5 states. Many deadwood, arrogant and big headed politicians were consigned to the history book!

20th anniversary for VI Class 88. It was that long since we sat for our SPM and last met some of the mates. Great reunion on 1 Nov! The comradeship was still strong and it showed in the football field as we won the VIOBA Inter Batch Football tourney. (High n Low, 2 Jun).

1-first appearance in a golf tourney in Saujana. It was only my third outing on the green but it was definitely a day to remember. Yeah, how I wish I was the numero uno!

Goodbye 2008!

Wednesday, December 24, 2008

Festive Cheers



Some market humours to usher the festive season. Courtesy of Jay Leno & others.

1. US has made a new weapon that destroys people but keeps the building standing. It is called the stock market.

2. Do you have any idea how cheap stocks are? Wall Street is now being called Wal Mart Street.

3. The difference between a pigeon and a London investment banker. The pigeon can still make a deposit on a BMW

4. The problem with investment bank balance sheet is that on the left side nothing is right and on the right side nothing is left.

5. I want to warn people from Nigeria who might be watching our show, if you get any emails from Washington asking for money, it is a scam. Don't fall for it.

6. Bush was asked about the credit crunch. He said it was his favourite candy bar.

7. The rescue bill was about 450 pages. President Bush's copy is even thicker. They had to include pictures.

8. What worries me most about the credit crunch, is that if one of my cheques is returned stamped 'insufficient funds'. I won't know whether that refers to mine or the bank's.

9. YAHOO - What you yell after selling it to some poor sucker for $250 per share.

10. WINDOWS - What you jump out of when you are the sucker who bought Yahoo @ $250 per share.

Merry Xmas & Happy New Year.

Tuesday, December 23, 2008

10 Poisons at Home


10. Mothballs

Mothballs emit one of the most unpleasant household scents. As they convert from a solid to a gas, you do not want to inhale too much of it. Studies on one active ingredient, paradichlorobenzene, found that it can cause cancer in animals [source: U.S. Environmental Protection Agency]. Other types of mothballs use naphthalene, which after prolonged exposure can destroy red blood cells. The chemical can also stimulate nausea, vomiting and diarrhea.

If you must use them, put them in a sealed container in an area with separate ventilation from the rest of your house. Wash any clothing that has been stored with them before wearing it since the vapors will have absorbed into the fibers. For a safer, natural alternative, cedar chips should work as well.

9. Pesticides

Pesticide is a broad term that includes insecticides, fungicides, disinfectants etc. In 2006, the American Association of Poison Control Centers received nearly 46,000 calls regarding children under 5 years old who had been exposed to potentially toxic levels of pesticides.

Be sure to ventilate any enclosed spaces after applying a pesticide. If hiring a pest control service, ask them to review the chemicals before they spray.

Better bet is to keep the house clean and make it unattractive for the pests to visit!

8. Pressed Wood Products

Pressed wood products include particle board, fiberboard and insulation. They are like the hotdog of timber products, taking bits and pieces of logs and combining them together.

However, the glue that holds them can cause a sticky situation. Some use urea-formaldehyde as a resin. Formaldehyde exposure can be dangerous, possibly setting off watery eyes, burning eyes and throat, difficulty breathing and asthma attacks. Scientists also know that it can cause cancer in animals, which leaves open a possibility for the same in humans.

Because of construction materials and smaller spaces, trailers and prefab homes often give off higher levels of formaldehyde emissions.

7. Chemicals in Carpet

Carpeting has come under greater scrutiny because of the volatile organic compounds (VOCs) associated with new carpet installation. Although it is not inherently dangerous, people have reported health problems associated with it.

The glue and dyes used with carpeting are known to emit VOCs. However, the initial VOC emissions will subside after the first few days of installation. To be on the safe side, request your retailer to unroll the carpet and air it out a couple of days before bringing it in your home. You should also keep the newly carpeted area well ventilated during installation to minimize VOC build up.
Better bet is to stay carpet free!

6. Laser Printers Chemicals

A 2007 study from the Queensland University of Technology in Australia found that some laser printers give off ultra fine particles that could cause serious health problems. Another study from the National Institute of Public Health also confirmed that laser and ink-jet printers can release volatile organic compounds (VOCs) and ozone particulates.

Tests have shown that concentrations of the released particles return to normal levels after a couple of minutes. The emissions varied with the type of printer, its age and toner cartridge.

If you are sitting next to a printer while reading this, stop breathing!

5. Lead Paint

In 1991, U.S. declared lead to be the greatest environmental threat to children. Even low concentrations can cause problems with central nervous system, brain, blood cells and kidneys. It is particularly threatening for fetuses, babies and children because of potential developmental disorders.

The intact paint on a surface won't kill. Only when the paint begins to peel away, it releases the harmful lead particles that you can inhale. For that reason, do not try to remove lead-based paint because that will liberate the toxic metal. Leave it to a professional instead.

This paint set off the widespread recalls of toys from China in late 2007. Retailers feared that children could ingest the paint, possibly contributing to brain damage.

4. Air Fresheners and Cleaning Solutions

Air fresheners and cleaning solutions freshen and sanitize our indoor habitats. However, a study by University of California found that when used excessively or in a small, unventilated area, these products release toxic levels of pollutants. This comes from two main chemicals called ethylene-based glycol ethers and terpenes.
Air fresheners are linked to many volatile organic compounds, such as nitrogen dioxide. Some fresheners also contain paradichlorobenzene, the same chemical in mothballs.

Cleaning your bathroom shouldn't make you sick, but you must keep air circulating through the area as a precaution.

3. Baby Bottles

Canada has taken the first steps to outlaw the sale of baby bottles made from polycarbonate plastics, which are the most common type on the market. The plastics are made with a chemical called bisphenol-a (BPA). When heated, these types of baby bottles can release BPA.

What is wrong with a little BPA mixed in with a baby's formula? BPA has a structure very similar to estrogen and for that reason is referred to as a "hormone disruptor." Hormone disruptor can interfere with the natural human hormones, especially for young children.

Other common products containing BPA include refillable plastic bottles, compact discs and some plastic eating utensils.

2. Flame Retardants

Commonly used in mattresses, upholstery, television and computer casings and circuit boards, flame retardants have likely saved many lives by preventing unexpected fires. However, science has revealed a darker side to these chemical superheroes, called polybrominated diphenyl ethers, or PBDEs, found in a variety of consumer plastics.

Studies have linked PBDEs to learning and memory problems, lowered sperm counts and poor thyroid functioning in mice. People can inhale them through air and dust or ingest it by eating animal products that contain it.

1. Cosmetic Phthalates

Phthalates, also called plasticizers, go into many products dotted around your bathroom and vanity, including hair spray, shampoos, fragrances, deodorants.

Why worry about this chemical additive? Like BPA mentioned earlier, these hormone-like chemicals are linked to reproductive and developmental problems in animals. The U.S. Centers for Disease Control and Prevention recognizes a potential for lowered sperm count in boys and premature breast development in girls.

Chemicals rule our lives, no doubt about it. The more we consume, the more we will behave erratically and be paranoid! Perhaps make it as part of our New Year resolution to cut down on excessive consumption! Toward a healthier lifestyle!

Monday, December 22, 2008

Seek Wealth


Wealth to the foolish can become a trap to him,
Wealth to the wise is a way to free himself.

We can begin with an inspiration and with a proper aspiration. We shall perspire to work on it diligently. We wish to travel. This becomes an inspiration. Then we begin to plan (aspire) where we want to go. We make an effort (perspire) to make the dream comes true. Similar process if we are seeking wealth.

Wealth can be classified into ;
a. the tangible such as cash, properties, assets or intangible such as honour, recognition, health.
b. the spiritual such as virtue, wisdom, generosity, truthfulness.

Those in youth, while they are energetic, if they do not strive for wealth, when they grow old will be in trouble.

Once we acquire the wealth, how do we spend it? The manner of spending our earnings could be divided into followings:

i) Spend on the necessities for ourselves, family and people around us such as food, housing, clothing, education and charity. Life is full of obligations and responsibilities. We do not live alone. Therefore we have to spend on others for mutual benefits. Contribute back to the society!

ii) Spend and invest in spiritual development includes building places of worship and supporting those who strive for spiritual purity. Printing of books in memory of departed relatives is a noble way to spend for the deceased.

iii) Spend on investments includes retirement planning, children education, training to improve our own skill etc. Also spend to protect own wealth such as insurance, will etc.

iv) Spend or rather save for the rainy days. We do not know when the uncertainty in life would happen. Sickness, recession, accident, unemployment are some of the uncertainties in life. Give up a smaller happiness for the greater one.

The whole purpose of seeking wealth is to spend it in the manner that gives us happiness within the moral framework. Spend within our means and limits in the moral manner. If we happen to lose all our wealth, we should not be upset because we know we have put them into good use.

If we lose your wealth, we lose nothing,
If we lose your health, we lose something,
If we lose our character, we lose everything.

Be contented with wealth because there are other sources and ways of gaining happiness.

Thursday, December 18, 2008

Credit Crunch To Topple Sports!


There is a lot of money in modern day sports. The stakes are so high that it is becoming common for sportsmen to cheat by way of taking performance enhancing stimulants. However sports don't exist in a bubble as the global credit crunch starts to burst them. Motorsports are still reeling from Honda's pullout from F1 and Subaru's timeout from World Rally.

In football scene, there was a comment by Wenger, the French gaffer of Arsenal FC. "..the current financial climate will change the attitude of many clubs. I come from a little village of farmers where I was educated that when you earn £100 you do not spend £100. For me when you earn £100 and you spend £110 it is like cheating. A club must live within their own resources, not artificially supported.

The economic crisis will force many clubs to rethink the way they are run. It seems too many believe football exists in a bubble, away from the financial crisis! Football depends heavily on the financial markets, sponsorship and television rights, all of which are suffering right now."

This musketeer is well educated by his folks. Perhaps he was a financial guru in his previous life before professional football era! Live within own means! So unlike his London neighbour, a certain Russian who could be suffering right now!