No matter who wins, just eat less of those stuff!
4 September 2009
26 August 2009
19 August 2009
16 June 2009
Men's 'stiff upper lip' may explain cancer death rate
Read this article recently, then realised its true for many GUYS out there.
You know who YOU are!!! :D
=============================
LONDON (AFP) - - British men may be literally dying as a result of their reluctance to see the doctor, researchers said on Monday with a new study showing they are nearly 40 percent more likely to die from any form of cancer than women.
The findings were taken from a study conducted by Cancer Research UK, the National Cancer Intelligence Network (NCIN) and the Men's Health Forum.
They said the disparity could also be down to many men having a less healthy lifestyle than women.
"After taking out the effect of age, men were significantly more likely than women to die from every one of the specific types of cancer considered," said Professor David Forman of the NCIN.
"There's no known biological reason why men should be at a greater risk than women, so we were surprised to see such consistent differences."
But he added: "Men have a reputation for having a 'stiff upper lip' and not being as health-conscious as women. What we see from this report could be a reflection of this attitude."
The study, based on cancer rates and deaths from the disease in 2006 and 2007, showed that men are 16 percent more likely to develop any type of cancer, but 60 percent more likely to develop cancers that can affect both sexes.
Its authors said men needed to be made more aware of the link between a healthy lifestyle and the risk of cancer.
"We know that around half of all cancers could be prevented by changes to lifestyle and it's worrying that this message could be falling on deaf ears for men," said Sara Hiom of Cancer Research UK.
Alan White of the Men's Health Forum said men "are generally not aware that, as well as smoking, carrying excess weight around the waist, having a high alcohol intake and a poor diet and their family history all contribute to their increased risk of developing and dying prematurely from cancer.
"This report clearly demonstrates that a concerted effort needs to be made into getting the public, the health professionals and the policy makers aware of the risks men are facing," he said.
(yahoo.com)
You know who YOU are!!! :D
=============================
LONDON (AFP) - - British men may be literally dying as a result of their reluctance to see the doctor, researchers said on Monday with a new study showing they are nearly 40 percent more likely to die from any form of cancer than women.
The findings were taken from a study conducted by Cancer Research UK, the National Cancer Intelligence Network (NCIN) and the Men's Health Forum.
They said the disparity could also be down to many men having a less healthy lifestyle than women.
"After taking out the effect of age, men were significantly more likely than women to die from every one of the specific types of cancer considered," said Professor David Forman of the NCIN.
"There's no known biological reason why men should be at a greater risk than women, so we were surprised to see such consistent differences."
But he added: "Men have a reputation for having a 'stiff upper lip' and not being as health-conscious as women. What we see from this report could be a reflection of this attitude."
The study, based on cancer rates and deaths from the disease in 2006 and 2007, showed that men are 16 percent more likely to develop any type of cancer, but 60 percent more likely to develop cancers that can affect both sexes.
Its authors said men needed to be made more aware of the link between a healthy lifestyle and the risk of cancer.
"We know that around half of all cancers could be prevented by changes to lifestyle and it's worrying that this message could be falling on deaf ears for men," said Sara Hiom of Cancer Research UK.
Alan White of the Men's Health Forum said men "are generally not aware that, as well as smoking, carrying excess weight around the waist, having a high alcohol intake and a poor diet and their family history all contribute to their increased risk of developing and dying prematurely from cancer.
"This report clearly demonstrates that a concerted effort needs to be made into getting the public, the health professionals and the policy makers aware of the risks men are facing," he said.
(yahoo.com)
11 June 2009
Nice Quote
"The superior man, when resting in safety, does not forget that danger may come. When in a state of security, he does not forget the possibility of ruin. When all is orderly, he does not forget that disorder may come. Thus his person is not endangered, and his states and all their clans are preserved."
-Confucius, Chinese Philosopher and Reformer
-Confucius, Chinese Philosopher and Reformer
2 June 2009
21 May 2009
New Zodiac sign
Not sure is it of correct source, but anyone like to find out more can do your own research, and let me know :D
This is the Zodiac as some astrologers believe it should be:
ARIES = APRIL 19 - MAY 13
TAURUS = MAY 14 - JUNE 19
GEMINI = JUNE 20 - JULY 20
CANCER = JULY 21 - AUG 9
LEO = AUGUST 10 - SEPTEMBER 15
VIRGO = SEPTEMBER 16 - OCTOBER 30
LIBRA = OCTOBER 31 - NOVEMBER 22
SCORPIO = NOVEMBER 23 - NOVEMBER 29
OPHIUCHUS = NOVEMBER 30 - DECEMBER 17
SAGITTARIUS = DECEMBER 18 - JANUARY 18
CAPRICORN = JANUARY 19 - FEBRUARY 15
AQUARIUS = FEBRUARY 16 - MARCH 11
PISCES = MARCH 12 - APRIL 18
I’m not sure myself about the qualities of that of Ophiucus, but perhaps if you mix Scorpio with Sagittarius you may come up with something along the right lines.
reference: http://www.love-astrology.com/13th-sign-of-the-zodiac/ophiuchus-13th-sign/
This is the Zodiac as some astrologers believe it should be:
ARIES = APRIL 19 - MAY 13
TAURUS = MAY 14 - JUNE 19
GEMINI = JUNE 20 - JULY 20
CANCER = JULY 21 - AUG 9
LEO = AUGUST 10 - SEPTEMBER 15
VIRGO = SEPTEMBER 16 - OCTOBER 30
LIBRA = OCTOBER 31 - NOVEMBER 22
SCORPIO = NOVEMBER 23 - NOVEMBER 29
OPHIUCHUS = NOVEMBER 30 - DECEMBER 17
SAGITTARIUS = DECEMBER 18 - JANUARY 18
CAPRICORN = JANUARY 19 - FEBRUARY 15
AQUARIUS = FEBRUARY 16 - MARCH 11
PISCES = MARCH 12 - APRIL 18
I’m not sure myself about the qualities of that of Ophiucus, but perhaps if you mix Scorpio with Sagittarius you may come up with something along the right lines.
reference: http://www.love-astrology.com/13th-sign-of-the-zodiac/ophiuchus-13th-sign/
15 May 2009
Butterfly
In the mist of this economy, can be a test for all of us. Hope you enjoy this little story.
A man found a cocoon of a butterfly. One day a small opening appeared, he sat and watched the butterfly for several hours as it struggled to force its body through that little hole. Then it seemed to stop making any progress.
It appeared as if it had gotten as far as it could and it could go no further. So the man decided to help the butterfly, he took a pair of scissors and snipped off the remaining bit of the cocoon.
The butterfly then emerged easily. But it had a swollen body and small, shriveled wings. The man continued to watch the butterfly because he expected that, any moment, the wings would enlarge and expand to be able to support the body, which would contract in time.
Neither happened! In fact, the butterfly spent the rest of its life crawling around with a swollen body and shriveled wings. It never was able to fly. That the man in his kindness and haste did not understand was that the restricting cocoon and the struggle required for the butterfly to get through the tiny opening were nature's way of forcing fluid from the body of the butterfly into its wings so that it would be ready for flight once it achieved its freedom from the cocoon.
Sometimes struggles are exactly what we need in our life. If we went through our life without any obstacles, it would cripple us. We would not be as strong as what we could have been. And we could never fly.
So have a nice day and struggle a little. When you are under pressure and stress, remember that you are a better person after you have gone through it.
The key to happiness is not that you never get upset, irritated or frustrated. It's how quickly you snap out of it.
A man found a cocoon of a butterfly. One day a small opening appeared, he sat and watched the butterfly for several hours as it struggled to force its body through that little hole. Then it seemed to stop making any progress.
It appeared as if it had gotten as far as it could and it could go no further. So the man decided to help the butterfly, he took a pair of scissors and snipped off the remaining bit of the cocoon.
The butterfly then emerged easily. But it had a swollen body and small, shriveled wings. The man continued to watch the butterfly because he expected that, any moment, the wings would enlarge and expand to be able to support the body, which would contract in time.
Neither happened! In fact, the butterfly spent the rest of its life crawling around with a swollen body and shriveled wings. It never was able to fly. That the man in his kindness and haste did not understand was that the restricting cocoon and the struggle required for the butterfly to get through the tiny opening were nature's way of forcing fluid from the body of the butterfly into its wings so that it would be ready for flight once it achieved its freedom from the cocoon.
Sometimes struggles are exactly what we need in our life. If we went through our life without any obstacles, it would cripple us. We would not be as strong as what we could have been. And we could never fly.
So have a nice day and struggle a little. When you are under pressure and stress, remember that you are a better person after you have gone through it.
The key to happiness is not that you never get upset, irritated or frustrated. It's how quickly you snap out of it.
12 May 2009
Full Value and First Loss Basis
Managed to get a simpler explanation of "Full Value and First Loss Basis", compared to the contract document's version.
Made a mess in this definition today and sorry to my cousin.
(this term is mainly to explain the arrange for a property insurance).
...
What is the difference between insuring on Full Value and on First Loss Basis?
When you insure on Full Value, the insurance company will pay you for the loss suffered but not exceeding the full value. If the sum insured is inadequate, Average will apply, i.e. you will have to bear a proportionate share of the loss.
When you insure on First Loss Basis, the insurance company will pay you for the loss suffered but not exceeding the first loss sum insured. If your loss, unfortunately, is more than the first loss sum insured, then you cannot claim the excess amount. Average does not apply.
How do I decide whether to insure on Full Value or on First Loss Basis?
The decision will depend on the nature of your goods. If there is a likelihood that all the goods can be stolen at any one time, then it is advisable to insure on Full Value.
However, if this is most unlikely, then you should insure on First Loss Basis, the amount of which depends on your estimate of how much is likely to be stolen at any one time.
Made a mess in this definition today and sorry to my cousin.
(this term is mainly to explain the arrange for a property insurance).
...
What is the difference between insuring on Full Value and on First Loss Basis?
When you insure on Full Value, the insurance company will pay you for the loss suffered but not exceeding the full value. If the sum insured is inadequate, Average will apply, i.e. you will have to bear a proportionate share of the loss.
When you insure on First Loss Basis, the insurance company will pay you for the loss suffered but not exceeding the first loss sum insured. If your loss, unfortunately, is more than the first loss sum insured, then you cannot claim the excess amount. Average does not apply.
How do I decide whether to insure on Full Value or on First Loss Basis?
The decision will depend on the nature of your goods. If there is a likelihood that all the goods can be stolen at any one time, then it is advisable to insure on Full Value.
However, if this is most unlikely, then you should insure on First Loss Basis, the amount of which depends on your estimate of how much is likely to be stolen at any one time.
9 May 2009
Favourite tip of the day...
Oh! I like this tip of the day from my blog that i copy it over here!
I will follow that and service my clients well. :D
My favourite so far...
"Your career is your most valuable asset. Manage it with a higher priority than you would with any other investment. Remember that without this asset, you couldn't survive."
I will follow that and service my clients well. :D
My favourite so far...
"Your career is your most valuable asset. Manage it with a higher priority than you would with any other investment. Remember that without this asset, you couldn't survive."
3 May 2009
29 April 2009
21 April 2009
Don't Buy Into These 3 Investment Myths
Hi, think its an educational article so decide to post it here.
Don't Buy Into These 3 Investment Myths
According to a study cited in a colleague's article, 49% of people age 25-34 have less than $25,000 saved for retirement. While that's not particularly surprising, this certainly is: A mere 23% of people over 55 have more than $250,000 saved up -- and they're within a decade of retirement!
Too early to plan for retirement? Hogwash! Can you imagine if Tiger Woods' parents had told him he was too young to swing a golf club, or if Roger Federer's coach had told him he didn't need to practice his forehand yet? A large part of the reason those two men so dominate their respective sports is because they got a jump start -- and they never let up.
The same holds true with investing for retirement. You need to practice, work hard, and focus -- so that when game-time finally arrives, everything is effortless and just falls into place. Is it a coincidence that Warren Buffett began investing at 11, has practiced every day since, and is now the richest man in the world? I think not.
So, what gives? I think it has a lot to do with the second investment myth you need to ignore at all costs.
If you've watched professional tennis anytime in the past decade or so, you know that virtually no one can beat Roger Federer -- except for Rafael Nadal. Likewise, virtually no one can beat Tiger Woods on Sunday or otherwise. You probably can't, and I certainly can't.
Furthermore, it's not very likely any of us will ever be a better investor than Buffett. Nor is it likely we will one day be able to brag about how we got in early on and then rode off into the sunset.
So what? Just because I can't beat Roger Federer doesn't mean that years of practice and dedication won't turn me into an exceptional tennis player, or that hitting a bucket of balls at the range every day won't improve my drive immensely.
And just because you may not ever match Warren Buffett's wealth doesn't mean you shouldn't follow his investing style -- regular purchases of excellent companies selling for less than they're worth.
The final thing that seems to keep many people from achieving their dream retirement is the very thing that could achieve it for them in the first place: hard work.
There's no sage advice I can quote here, and I'd be lying if I said investing well or planning for retirement was simple. But you must make it a commitment and priority today -- for the sake of your future. Plus, with a little help, it can be far easier than you ever imagined.
Remember, it's never too early -- or too late -- to start working toward your dream retirement, so simply consult an advisor to get some help on ruling your retirement.
(from www.fool.com)
Cheers!
Don't Buy Into These 3 Investment Myths
Trap No. 1: It's too early to plan for retirement
According to a study cited in a colleague's article, 49% of people age 25-34 have less than $25,000 saved for retirement. While that's not particularly surprising, this certainly is: A mere 23% of people over 55 have more than $250,000 saved up -- and they're within a decade of retirement!
Too early to plan for retirement? Hogwash! Can you imagine if Tiger Woods' parents had told him he was too young to swing a golf club, or if Roger Federer's coach had told him he didn't need to practice his forehand yet? A large part of the reason those two men so dominate their respective sports is because they got a jump start -- and they never let up.
The same holds true with investing for retirement. You need to practice, work hard, and focus -- so that when game-time finally arrives, everything is effortless and just falls into place. Is it a coincidence that Warren Buffett began investing at 11, has practiced every day since, and is now the richest man in the world? I think not.
So, what gives? I think it has a lot to do with the second investment myth you need to ignore at all costs.
Trap No. 2: The "I Can't Beat Federer" Syndrome
If you've watched professional tennis anytime in the past decade or so, you know that virtually no one can beat Roger Federer -- except for Rafael Nadal. Likewise, virtually no one can beat Tiger Woods on Sunday or otherwise. You probably can't, and I certainly can't.
Furthermore, it's not very likely any of us will ever be a better investor than Buffett. Nor is it likely we will one day be able to brag about how we got in early on and then rode off into the sunset.
So what? Just because I can't beat Roger Federer doesn't mean that years of practice and dedication won't turn me into an exceptional tennis player, or that hitting a bucket of balls at the range every day won't improve my drive immensely.
And just because you may not ever match Warren Buffett's wealth doesn't mean you shouldn't follow his investing style -- regular purchases of excellent companies selling for less than they're worth.
Trap No. 3: Planning for retirement is hard
The final thing that seems to keep many people from achieving their dream retirement is the very thing that could achieve it for them in the first place: hard work.
There's no sage advice I can quote here, and I'd be lying if I said investing well or planning for retirement was simple. But you must make it a commitment and priority today -- for the sake of your future. Plus, with a little help, it can be far easier than you ever imagined.
Remember, it's never too early -- or too late -- to start working toward your dream retirement, so simply consult an advisor to get some help on ruling your retirement.
(from www.fool.com)
Cheers!
12 April 2009
I tell Mama!
When a mother tells me she doesn’t like life insurance, I explain she doesn’t have to like it, she just has to have it. I ask, “Do your children like all the foods they are supposed to eat, or do you have to say, ‘Come on, eat this. It’s good for you’? Life insurance is just like that; it’s part of a balanced financial diet, and everyone needs some.”
10 April 2009
Ten Traits That Make You Filthy-Rich
Just happens to read this article some time ago.
If these traits happens to make you rich, don't forget of me!
Saving money isn't all about whether or not you know how to score screaming bargains.
It has more to do with your attitude toward money.
Just think of those who don't fit the filthy-rich stereotype. People like Warren Buffett.
As explained in the book The Millionaire Next Door by Thomas J. Stanley and William D. Danko, personal finance has as much to do with people's traits as it does with money. Many millionaires, in fact, have frugal ways.
Understanding how personal traits can influence your finances is an essential ingredient for building wealth.
Here are 10 key traits:
1. Patience
Patience is one of the most important traits when it comes to saving money.
This means waiting until the first wave of product hype has passed, keeping a car for an extra few years before getting another one and waiting until something you want fits into your budget instead of putting it on credit.
Patience is often the difference between creating savings and being in debt. Having the patience to wait until you find a good deal is a cornerstone of good finances.
2. Satisfaction
When you're satisfied, there is no reason to spend money on nonessentials. The sole purpose of commercials is to make you believe that buying a product or service will make you happier, wealthier, better looking or improve whatever isn't bringing you satisfaction.
People spend because they want to capture the excitement shown in advertisements. When you are satisfied with what you have and your life (not trying to live like those on TV), your finances will be in a lot better shape.
3. Organization
Being organized can make you more productive and ensure that all the many issues pertaining to personal finances are addressed.
It means not paying late fees, not buying two of everything, knowing deadlines that can affect your finances and getting more done in less time. All these can greatly benefit your finances.
4. Discipline
You need the discipline to continue to save money for specific, long-term goals every month.
Personal finance isn't a way to get rich quick, but is a disciplined execution of your lifetime plans.
5. Reflectiveness
It's important to be able to look at your financial decisions and reflect on their results.
You're going to make financial mistakes. Everyone does.
The key is to learn from those mistakes so you don't make them again, or recognize if you keep repeating them.
6. Creativity
The economy and our earnings don't always match our expectations.
Unexpected developments wreak havoc to elaborate financial plans. When this happens, changes are needed to deal with the new circumstances. Creativity is essential to accomplish this.
Creativity allows you to make something last longer rather than purchasing it when you don't have the money. It means juggling money to stay out of debt rather than simply paying with a credit card. It means finding a cheaper alternative when money is tight.
In these ways, creativity plays a large role in keeping finances in order.
7. Curiosity
Having curiosity helps you learn, study and improve yourself.
The curiosity of wanting to know more, to take the time to study and then take what is learned and put into practice is an important process that is driven by curiosity.
8. Risk-Taking
To build wealth, one needs to be willing to take risks. This doesn't mean uncalculated risks. It means weighing all the options and taking calculated risks when appropriate.
The stock market has risks involved, but over the long term, history shows that it provides good returns on money that is invested wisely. Those who fear risk altogether end up saving money in accounts that likely lose money to inflation in the long run.
9. Goal-Oriented
The importance of setting and working toward goals is obvious. If you don't know where you are going, it's difficult to get there. It helps your personal finances immensely if you have money goals and are motivated to reach the goals that you have set for yourself.
Those who lack goals don't have a road map to take them to the financial destination they want.
10. Hard- and Smart-Working
Creating wealth and staying out of debt rarely comes about without a lot of hard work.
Many people might hope that the lottery will solve all their financial problems. The true path to financial freedom, however, is to work hard to earn money while educating yourself to continue to have more value and increase your salary.
You may not possess all of the above traits. But knowing them can help you make changes so that you nourish the ones that you have and obtain the ones you're missing.
Ultimately they will help you with your personal finances and create a plan to accumulate the wealth you desire.
(Copyrighted, TheStreet.Com. All rights reserved.)
If these traits happens to make you rich, don't forget of me!
Saving money isn't all about whether or not you know how to score screaming bargains.
It has more to do with your attitude toward money.
Just think of those who don't fit the filthy-rich stereotype. People like Warren Buffett.
As explained in the book The Millionaire Next Door by Thomas J. Stanley and William D. Danko, personal finance has as much to do with people's traits as it does with money. Many millionaires, in fact, have frugal ways.
Understanding how personal traits can influence your finances is an essential ingredient for building wealth.
Here are 10 key traits:
1. Patience
Patience is one of the most important traits when it comes to saving money.
This means waiting until the first wave of product hype has passed, keeping a car for an extra few years before getting another one and waiting until something you want fits into your budget instead of putting it on credit.
Patience is often the difference between creating savings and being in debt. Having the patience to wait until you find a good deal is a cornerstone of good finances.
2. Satisfaction
When you're satisfied, there is no reason to spend money on nonessentials. The sole purpose of commercials is to make you believe that buying a product or service will make you happier, wealthier, better looking or improve whatever isn't bringing you satisfaction.
People spend because they want to capture the excitement shown in advertisements. When you are satisfied with what you have and your life (not trying to live like those on TV), your finances will be in a lot better shape.
3. Organization
Being organized can make you more productive and ensure that all the many issues pertaining to personal finances are addressed.
It means not paying late fees, not buying two of everything, knowing deadlines that can affect your finances and getting more done in less time. All these can greatly benefit your finances.
4. Discipline
You need the discipline to continue to save money for specific, long-term goals every month.
Personal finance isn't a way to get rich quick, but is a disciplined execution of your lifetime plans.
5. Reflectiveness
It's important to be able to look at your financial decisions and reflect on their results.
You're going to make financial mistakes. Everyone does.
The key is to learn from those mistakes so you don't make them again, or recognize if you keep repeating them.
6. Creativity
The economy and our earnings don't always match our expectations.
Unexpected developments wreak havoc to elaborate financial plans. When this happens, changes are needed to deal with the new circumstances. Creativity is essential to accomplish this.
Creativity allows you to make something last longer rather than purchasing it when you don't have the money. It means juggling money to stay out of debt rather than simply paying with a credit card. It means finding a cheaper alternative when money is tight.
In these ways, creativity plays a large role in keeping finances in order.
7. Curiosity
Having curiosity helps you learn, study and improve yourself.
The curiosity of wanting to know more, to take the time to study and then take what is learned and put into practice is an important process that is driven by curiosity.
8. Risk-Taking
To build wealth, one needs to be willing to take risks. This doesn't mean uncalculated risks. It means weighing all the options and taking calculated risks when appropriate.
The stock market has risks involved, but over the long term, history shows that it provides good returns on money that is invested wisely. Those who fear risk altogether end up saving money in accounts that likely lose money to inflation in the long run.
9. Goal-Oriented
The importance of setting and working toward goals is obvious. If you don't know where you are going, it's difficult to get there. It helps your personal finances immensely if you have money goals and are motivated to reach the goals that you have set for yourself.
Those who lack goals don't have a road map to take them to the financial destination they want.
10. Hard- and Smart-Working
Creating wealth and staying out of debt rarely comes about without a lot of hard work.
Many people might hope that the lottery will solve all their financial problems. The true path to financial freedom, however, is to work hard to earn money while educating yourself to continue to have more value and increase your salary.
You may not possess all of the above traits. But knowing them can help you make changes so that you nourish the ones that you have and obtain the ones you're missing.
Ultimately they will help you with your personal finances and create a plan to accumulate the wealth you desire.
(Copyrighted, TheStreet.Com. All rights reserved.)
4 April 2009
Reducing your housing loan? Reducing your 'Financial Security'
What are the 3 worst things that can happen to anyone?
They are 1) Death 2) Disability 3) Job retrenchment
In these scenario, the person who did not use up his cash or cpf to reduce his loan, his dependants would actually be in better financial position than after he reduced his loan.
So, if you still think that you are 'taking care' of your family by trying to be in hurry to pay off or reduce your housing loan, Think Again. You are actually putting your family in a worse financial position.
Thus a smarter way is to take up mortgage insurance instead of being in a hurry to pay off your housing loan quickly. In the event of death and total disability, your housing loan will be fully paid off and your family will have access to more cash than the family with the housing loan paid up.
Hope this sharing will can change your perspective and help uncover more ways you can 'create' money by financing your property wisely. Share this information to more people your care so they can benefit as well!
(Articles also shared from a local financial practitioner's magazine)
They are 1) Death 2) Disability 3) Job retrenchment
In these scenario, the person who did not use up his cash or cpf to reduce his loan, his dependants would actually be in better financial position than after he reduced his loan.
So, if you still think that you are 'taking care' of your family by trying to be in hurry to pay off or reduce your housing loan, Think Again. You are actually putting your family in a worse financial position.
Thus a smarter way is to take up mortgage insurance instead of being in a hurry to pay off your housing loan quickly. In the event of death and total disability, your housing loan will be fully paid off and your family will have access to more cash than the family with the housing loan paid up.
Hope this sharing will can change your perspective and help uncover more ways you can 'create' money by financing your property wisely. Share this information to more people your care so they can benefit as well!
(Articles also shared from a local financial practitioner's magazine)
31 March 2009
2009 new beginning!
Feel free to browse and make comments. All future updates and newsletters shall be posted here as well. Enjoy your tour here!
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