Archive for March, 2010

Very good write up on HRM

Oh I manage to find one of a kind write up on HRM training because Felix came up to me today and asked me about zone specification, went on the WWW and looked for one even I did posted one about it but it does not really explains in depth on calculation and such but this webbie I manage to find has nearly everything but more importantly it explains in-depth on calculation of HR-monitoring etc..etc.. pretty awesome, but its lengthy so I am not going to post it here, but if you are interested please do visit her site at SALLY EDWARDS on HRM ZONE
usually I will paste those article here in fear of those website closing down. but this is pretty lengthy so have a good read and take it all in after a long Sunday run. Doing intervals later today, hope it doesn’t rain cats and dogs again.

Enjoy your run and its well worth the sweat cause your heart is going to love you !

Garmin Connect and its features

Been trying out the new gadget that I just bought 2 days ago, have already clocked about 15km on my runs ever since, pushing my self way to hard I guess, but who cares, that’s human but I am someone that like to push myself to the edge and see how far I go, sometimes I feel to the extent of no return.. anyway this is about the new toy that I just got and it comes with this neat software called Training Center which totally I would not use *dont know how to use it actually* Went online and got myself a Garmin Connect program which is way easier to understand than the Garmin Training Center, actually the data are the same its the features of the training center that got my head spinning.

Lemme show you what Garmin Connect looks like

This my friends is the dashboard, shows you practically what you have done in the few days or rather the whole month

This is the Calender and its my favourite for being a motivational tool, after every run, the Watch will wireless transfer all training data of the day into the dashboard as well as every tab in the Garmin connect, I love this as being the best motivational tool as it tally’s the total of your time, runs etc.etc. on the side, you can display the activities, the weight, the goals and weekly total, and that’s not all

This has got to be one of my favourite feature in the Garmin Connect, it allows you to set your goals and it tracks it after your run, If you look close enough you can see that one of them is already at 58% that was set yesterday, its to run 21km within 30days but looks like tomorrow its already going to be done, I dont do high mileage like some people but when I train its usually a 10km slow run everyday. I just created two more goals to achieve, one is what I call Run for time which I am needed to run 15hrs within 7 days, you do the math how many hours a day, and the last goal is called the "Mr 1kg of Blubber" this is a more realistic goal where I am needed to burn 7700calories which is equivalent to 1kg of FATS ! yes 7700 calories is 1kg of fats. Here is how i derive to the math

1 Kg of fat?

1 Kg is 2.2 lbs and 1 lb is 3500 calories, so 1 Kg is 3500 X 2.2= 7700

so yup, losing weight is a life process and not go to a doctor to suck it all out with a sucking metal, or worst going to those fat loss clinic where they say they going to help you and such, but are they really ??! You have to motive yourself to see the improvement over time, its not going to come easy, its not going to come tomorrow, my mentor once told me this, you doing gain all those *fats* in a day and you sure ain’t going to lose it in a day.
So I hope you were not bored with me and my talks on Garmin features, what can I say its a pretty cool toy.

Garmin FR60 Unboxing

Its here, its finally here. Well not really here but I went out and bought it, my last two HRM died on me, well i mean the watch and the strap died on me, The first was a POLAR watch, and it was a gift given by a member in the gym that I used to work in, She handed it to me to ensure I improve my training, We were discussing about training and heart rate as she was using the elliptical trainer, We always compare notes on training, and training technique when training clients. so Thanks Morna, it had served me well over 2 years till it died on me, dont worry I still have it.So after the first one died on me, I went out to get a second one which was my Nike Triax HRM, that didnt serve me well cause I went out and bought it in haste, the best part it was that it only tells me the HR, not even calories, not even the DATE !! yes no date, time and HR thats about it, but then after one of my morning race guess what “smart me” I had a change of clothes and left my heart strap on the front of my car, So while driving half way on the highway, I could see the strap slide away in front of my eyes. So I was like OOOOOO MMMMYYYY GAAWWWDDD !! i wanted to slam on my break and pick it up but it was on the middle of the FREAKING highway, so told my self to forget it.

Ok here is the unboxing of my new toy, cost a bomb to get it. here it is:

that is the box of the watch, pretty neat I might say, and the small little nifty thing on the side is a footpod.

The whole package consist of a watch, chest strap, a footpod and a ANT, the ant is a wireless transfer, seriously its quite hightech these days, HRM use to be just a watch and a strap, it only tells you a few data, but guess what, these day this watches are like computers, they tell you everything, it tells you your laptime for over 20hours, a virtual partner for training, GPS, foot strike, speed, cadence, and even if your baby is a boy or girl, ok I was just kidding about the last one. Anyway I only have had it for two days and so far, its totally great, I am getting overly crazy with running again and I can assure I wanna do a better for my marathon this year, So far I have signed up for 3 Marathon, so far I think Singapore only have 2 so far, I am looking for nearby Marathon events like Thailand and Hong Kong. hope I am able to complete my resolution for 2010 by finishing 5 marathons this year, So far in the pipeline and not counting the one I have done.1) Starhub Urban Run *6.5km
2) 2xU Compression Run *12km
3) Passion Run *25km
3.1) Adidas Sundown Marathon *42km
4) Stan Chart KL marathon *42km
5) Newton Run *30km
6) Nike RUN *10km
7) Salomon Xtrail *10km
8) Genting Trailblazer *10km
9) Legs & Paddles *5km Kayak + *7km run
10) Stan Chart Sing Marathon *42km

11) Mizuno Mt Faber Run *10km
12) New Balance Real Run *10km

Hope to see you guys on race days. Oh if you wondering how come this time my races do not involve triathlon or duathlon its because I have not found my bike yet, can’t seem to find a proper bike. Well there are a few but its way off my budget. Going to sleep now, see you guys in a few more hours and best of all TRAIN HARD and HAVE FUN !


Want to Burn Fats ?

Stumble upon this great article about fat loss, Great stuff I tell you, read and apply. Its written by Deborah Shulman of and I feel that I should share this with all the people who wants to burn more fats out there, check it out, Oh I need it too, I am having 8kg of extra lard around my whole body, my fat anaylsis body scale keeps telling me I am stable after analyzing my body fat content and my bone mass structure, but I guess they dont take muscle mass into consideration. SO it means I am still a lump of marshmallow in the eyes of loved one ! Oh did I mentioned that I got my Garmin FR60 yesterday, took it for a spin and it was awesome, the virtual partner is a creep, running so fast and not waiting for me, by the first 2km he left me in the dust by nearly 2min. what a jerk ! LOL ! will do a un-boxing for the FR60 tonight, but here is the article by Deborah.

Arctic birds can fly 47 mph for 100 hours at a stretch during their
annual migration of 7,800 miles. Grey whales travel from Alaska to
Mexico at 5 mph for three weeks without eating. Tarahumara Indians of
Mexico have been known to chase deer until the deer collapses in
exhaustion, its hooves worn away.

These incredible feats of endurance and speed are fueled by fat.
Like migratory animals, the capacity to burn large amounts of fat for
fuel is in the human genetic code. Unlike migratory animals, however,
if humans dont use it, they lose the capacity to burn fat.

People who are out of shape instead have to rely on limited
carbohydrate supplies for energy. One gram of carbohydrate has only 4
calories of energy compared to 9 calories in each gram of fat.

The more fat you burn, the more energy you can generate and the better your endurance.

A study of Chris Boardman, after he set cyclings famed one-hour time
trial world record, revealed that he could burn 1 one pound of fat in
three hours of riding compared to 18 hours it took for recreational
cyclists to burn an equivalent amount of fat.

The ability to use fat for fuel is something you teach your body to
do, and the benefits extend far beyond exercise. Exercise and diet
strategies can develop your metabolic potential to burn fat, allowing
your body to burn more fat all the time.

Someone who is just starting an exercise program can expect
substantial changes in just two weeks. After 12 weeks, fat burning can
be increased by as much as 40%.

Time your food intake. Try to avoid eating for the two hours prior
to exercise. Best yet, exercise first thing in the morning on an empty
stomach. When you eat foods that contain carbohydrate and/or protein,
insulin levels increase in the blood. Insulin reduces fat metabolism in
the muscle and blocks fat leaving the fat tissue. The end result is
lowered use of fat for fuel.

It is also important to include two servings of "good fat" in your
daily diet, such as salad dressings, peanut butter, avocado, almonds,
salmon or olives.

Long exercise sessions send a strong signal to increase fat burning.
For the first 20 – 30 minutes of an exercise session, or until you’re
warmed up, the fuel mix your muscles burn will be high in
carbohydrates. After that, a combination of hormone release and
increased oxygen supply will change the fuel mix to include higher
amounts of fat.

Unfortunately, many people stop exercising just when their muscles are starting to burn fat.

After an hour of exercise and again at three hours, fat burning is
increased even further. Include one long exercise session in your
training program each week. Build up time by increasing the length of
your longest session by 10 – 15 minutes each week.

Multisport athletes may want to do a long training session in each
sport. More than that can result in excess fatigue, injury and illness
and interfere with training.

How long you go depends on your goals. Someone who is exercising for
basic fitness or weight control may want to build up to two hours of
continuous exercise. A marathon runner would get the most benefit from
a three-hour run. A cyclist or Ironman athlete may want to build up to
five to six hours.

Successful ultra-runners have been known to have training sessions
of eight hours. However, the point of diminishing returns appears to be
three hours.

How hard you go makes a big difference in fat burning. During
aerobic training sessions, your target heart rate should be at the top
of the fat burning zone, or the intensity where your muscles are
burning the highest amount of fat. For most people, this is around 65%
to 70% of maximum heart rate. This is the point where you can hear
yourself breathe, and any talking will be interrupted.

If you cant talk, youre going too hard. If you can chat with ease,
youre going too easy and youre just not sending enough of a signal.

After basic fat metabolism has been established, sprint training can
increase fat metabolism even further. However, it must be emphasized
that a foundation of aerobic training and strength should be built

Heart Rate Chart for everyone

Hi everyone, I am including the heart rate chart for all you active lifestyle people out there, well some of you might already know what to do with a heart rate chart but I am sure that not everyone will know, so let me share my knowledge on what I know about Heart Rate. So first of all if you really would like to have a change of lifestyle, I sincerely would say that you should invest in a HRM which stands for Heart Rate Monitor, a good one at it, as it doubles as a watch as well. but in recent years manufacturers have come out with devices which are not watches but its quite nifty for example micoach by Adidas, but just to name a the top 2 they are:

1) Polar
2) Timex

I have used a Polar and Nike from previous before and I found that its really invaluable to our training regime, follow your heart and listen to your heart, I am sure you will be please with your results in the end, give your self some time, you resting heart rate *RHR* would not be very good for a start but you will see it improves gradually when you train properly. I use to have a RHR of 45bpm – 60bpm when I am doing nothing, but after a long hiatus from my training I guess its back to an average person of 70bpm – 80bpm. I am still searching for a right HRM to buy and I kinda guess what I am going to buy already so wait for the next blogpost on it. So here today I am going to share with you the training HR chart: below you will be two charts for example and will explain in brief.

The first chart with colors is easier to look at as it gives you your age and the stage of targeted training that you would want to be on. Just to give you a brief on the first chart, lets take my age, I am 25 *AHEM*  *COUGH* winds got my chills .. and I want to start a weight losing regime so first look out for your age group category, then look at the intended category you want to be at, for me its the weight lost zone, So first you would want to warm up and gradually increase your heart pulse to 50% – 65% of that area. IMHO I have trained from a 80kg fatboy to a 63kg with 13% body fat following a good diet and training regime by following my heart. SERIOUS ! ok dont get confused with the second chart below the colored chart.That chart is more intended for athletes as you see they have a recovery period instead of a fat burning zone.

Well I dont expect you to run out and buy a HRM now at this instant, try going out for a daily run maybe once a week, ask yourself after that run do you feel more energized? do you feel alert and able to do daily task with out feeling tired, if you answer yes to all, you are on your way to a better lifestyle, but in any case you feel you would like to buy one and dont know how to start do feel free to email me or leave me a comment. I am sure I would be able to give you some advise. Cheers !

Which Appeals to you more ?

Just wondering which appeals to the masses? Which looks more appealing to the eye ?

Adulteres! Caused by Nannies

Interesting read! found it online so I am just sharing it with you guys. check it out

Mothers who outsource the care of their sons to other women may be
inadvertently raising adulterers. Or so claims Dr. Dennis Friedman in a
book that has kicked up a bit of a ruckus in Britain. A Fellow of the
Royal College of Psychiatrists, the doctor argues that men become
womanizers because their mothers left them with nannies.

According to Friedman, having two women care for a baby boy may
cause his little brain to internalize the idea that there are multiple
females to meet his needs. "It introduces him to the concept of the
other woman," he said in London’s Daily Telegraph. He explicates the relationship in his book The Unsolicited Gift: Why We Do The Things We Do, which explores how a mother’s love for her offspring can determine how those children behave as adults. (See the mobile apps that make adultery easier.)

Girls are affected by nannies too. Not having her mother around
creates in the infant female a "vacuum of need," says Friedman, which
she might try to fill in later life with substance abuse or promiscuity
— presumably with those married men in her social circle who were also
raised by nannies.

But it is the thesis concerning boys that has been more
controversial. Having two maternal objects, says Friedman, "creates a
division in [the boy's] mind between the woman he knows to be his
natural mother and the woman with whom he has a real hands-on
relationship: the woman who bathes him and takes him to the park, and
with whom he feels completely at one." This dual-woman life, one for
family and one for catering to his every need, might become a set
pattern in his mind, so that when he grows up and feels like his needs
are not being met, he strays beyond the home. (See the top 10 mistresses.)

Friedman suggests mothers should not work, or if they must, should
not return to work until their children are at least 1 year old.
Critics, and many, many working mothers, quickly pointed out that he
offers no statistics for his theory (as in, exactly how many nannies
Tiger Woods must have had), nor does his proposal seem particularly
practical, since many women have little choice but either to return to
work after having children or to not feed said children. Additionally,
it rankled many women that Friedman lays the blame for men’s fidelity
issues on females. If it’s not the inattentive wife who drives a man
into another woman’s arms — it’s his inattentive mother.

It also doesn’t make developmental sense, says Dr. Jean Mercer,
professor emerita of Psychology at Richard Stockton College in New
Jersey, who specializes in infant development. "Babies don’t form
attachments solely to their mothers — they become attached also to
fathers, grandparents, nannies, child-care providers, older brothers
and sisters, or anyone else who interacts with them socially and
frequently participates in care routines like feeding and bathing."
These relationships are healthy and part of normal development. And
becoming attached to a nanny doesn’t equal becoming detached from a
mother, or that the two are interchangeable. "A nanny or other person
is added to the existing relationships most babies have."

It’s unclear how wide a cross section of society Friedman used to
draw his conclusions, but it’s possible they may have been a bit
skewed. His previous three books were explorations of the psychology of
a small but prominent group of people with powerful matriarchs and lots
and lots of nannies: the British royal family.

by Belinda Luscombe

Segiempat or rather Foursquare

I am not sure how many people knows about this software called "Foursquare" , seems that its the new twitter. I myself downloaded it into my blackberry and gave up after 2 hours on it, but I dwell on learning something so complicated, but is it? I won’t be able to describe a user experience like how I use twitter but I will post a "how to below this later" I think there are more cons that pros when using this location base software. but anyway if you want to find out more please visit or click  FOURSQUARE. Other wise, if you already have downloaded the app into your phone, lappy or PDA and still dont know what its all about here is a good in-depth tutorial of it.

What is foursquare?

In a nutshell, it’s a location service-based social
network-come-game. What it does in effect is to tell you where your
friends are and add a little fun to going out in the evening. It’s like
Google Lattitude meets a little bit of Facebook, a touch of Twitter, a dash of Qype and even a twist of World of Warcraft. And if that’s not a cocktail for hopeless addiction, then we’re not sure what is.

How does it work?

The whole system is based around what is known as "checking-in". You
check-in from bars and restaurants and any kind of nightspot or
watering hole, perhaps with a little message
about where you are and what you’re doing – all very brief – and the
system will then register what you’re up to. People who you’re friends
with will then get pinged a message to let them know your whereabouts
and activities, and the idea is that they can then join you if they
fancy or just be pleased that you’re out
having a good time. From the other side of things, if you’re out on
your own somewhere, suddenly mateless in town or stuck at home and bored, you can see where everyone’s
at and get yourself down to the party. All pretty simple. The other two
things you can do are create a to-do-list of places you’ve always
wanted to go and add to a Top 12 list of your recommendations for other

And what about the game?

The clever, or clever-er, part is that you get points for
checking-in. The idea is that it encourages you to do so, which then
gets the system running and propagates the idea and the fun even
further. It’s all rather new, even for the developers, and much of the
system is still evolving but, at the moment, you get a point for
checking in, you get five points if it happens to be from a place
you’ve never checked-in from before; a further point if it’s the
second, third, fourth etc place of the evening; and another still for
checking-in multiple nights in a row, you old booze hound, you. You can
only get points for checking-in outside of work hours – presumably to
prevent potential mass job loss and alcoholism – but you’re always
eligible for the five discovery points no matter what time of day it is.

the points aren’t good for anything other than bragging rights but
that’s currency a-plenty with a leader board on the site with the top
users. Also, if you check-in from the same place more times and more
regularly than anyone else, then you might find yourself crowned Mayor
of that gaff on the site – an honour that many may try to wrestle from
you but then, that’s part of the fun. You’ll probably begin as rivals
and end up the next week amassing 50 points together on some all night

You can also earn badges as you check-in which is where the parallel of World of Warcraft
and its Achievements system lies. Firstly, there are badges for the
number of times you’ve checked-in to new establishments from Newbie up
to Superstar, plus all sorts of random and more cryptic titles to earn.
Word has it that this is where the real addiction lies, especially with
the team working on and taking suggestions for all sorts of new badges.

The really clever part

That’s basically the fun side of foursquare and what you’ll
appreciate as a user, but while all this is going on, the owners of the
service are also gathering some very considerable review and guide data
for all the best spots in a whole bunch of major cities all over the
world. It’s the kind of user-generated content that Qype
specialises in but in a much less in-depth way. What foursquare then
decides to do with that is up to the business but there’s certainly
plenty of commercial scope, if only for the desire of new bars and
restaurants to get themselves listed or even to have a badge made just
for them.

How do I start?

Like all social networks, just head to the foursquare site and sign up with a free and very brief profile which will ask you for your mobile phone number so it can ping you. Then add a photo and find your friends.

Can anyone use it?

Well, yes and no. Firstly, the system has to be city specific, so
there are different networks for a number of different locations. If
there doesn’t happen to be one in your location then, it’s not going to
work for you. So far you can play in: Amsterdam, Atlanta, Austin,
Boston, Chicago, Dallas / Fort Worth, Denver, Detroit, Houston, Las
Vegas, Los Angeles, Miami, Minneapolis / St. Paul, New York City,
Philadelphia, Phoenix, Portland, San Diego, San Francisco, Seattle,
Washington, DC and now London as well. You’ll need a mobile phone to
check-in from and a decent SMS package on your price plan or, better still, there’s an app for Android, iPhone and soon ones for BlackBerry and the Palm Pre too.

Common Heart Rate Monitor Mistakes

Common Heart Rate Monitor and Training

We have all heard the saying, “we all make mistakes sometimes!” and
in some cases it is usually brushed off. However, a mistake in training
and also how you use your heart rate monitor could mean the difference
between reaching your fitness or weight loss goals or not. I have
compiled a list of common mistakes that we usually do during training,
especially when using a heart rate monitor. Do note that this list is
not “all” the mistakes that is made. There are so many more and these
will be added in time.

Training Mistake #1: Not Setting Out a Clear Goal

When you decide to start training, an important factor for your
workouts is the goals that you will set for yourself. Many people do up a
training program without first understanding what they want from it.
For instance, I wouldn’t walk into the gym today and start on every
weight training machine in there if I wanted to run a marathon. I
wouldn’t be bulking up on my upper body for that! You got to sit down
and decide what you want to achieve. If it’s to be a body builder than
fine, you will touch all the weight machines. But, if it is to run a
marathon than I think that you will have a different program.

Training Mistake #2: Not Knowing Factors the Affect Heart

There are many factors that affect heart rate. Though you may be
doing the same exercise routines everyday, you may sometimes notice that
your working heart rate may be different. There are several factors for
this ranging from temperature and water balance to caffeine intake and
even stress. This stress can either be psychological or physical. It is
important that you be aware of these factors that affect your heart

Training Mistake #3: Not Analyzing your Heart Rate and
Training Data

One of the advantages of using a heart rate monitor is to analyze the
data after a workout. It is one of those training tools that allow for
this to happen. Advanced heart monitor watches from manufacturers such
as Garmin and Polar allow for users to acquire so much data. For
instance, they would not only collect heart rate data but also calories
burnt, speed, distance and pace data along with a host of other
important training information. With all the data you receive, you get a
better understanding of your body and can see where changes and
improvements can be made.

Factory Sale for Giordano

Something for everyone check it out, if you guys feel like doing some shopping over the weekend !

Now on, prices from $6 only!

Giordano, with its brand of
dependable, basic casual styles has opened its doors to the public for
a warehouse sale, with prices as low as $6. Payment by cash or NETS

Event Details
Venue: Singapore Warehouse Building, 110 Paya Lebar Road, #06-03
Date: Now until 10th April 2010 (Closed on Sundays and Public Holidays)
Time: 10am – 6pm

using opera mini on blackberry

Just testing out my phone enable with opera mini to blog in spaces, I wonder if its comfortable or is it convenient. Looks like its pretty good. So far so good, clean and organized webpage. Well see if its lagging, neway its nearly 2.30am got to go now

Whats your passion?

Once I have this red shiny bike, this bike was a close friend of mine, I refer to the bike as my wife then. Why was it so precious to me? its because its Red and Shiny and I bought it with my own hard cash. The feeling of going to a bicycle shop 6 years ago was like a kid going to a candy store, Imagine yourself being given the chance to choose anything you want, but of course I didnt get to choose anything I want because of budget constrain la, You think what money drop from the sky like durian drop from tree mer, even so, it takes about 1 year over for a durian to drop, so for me, took me quite a while to gather a bunch of money to buy this gem, I didn’t but this bike off the rack like I use to. I bought it from scratch, I have chosen the frame, the handlebar, the seat, the rims, everything to my own specifics. It was a wonderful experience I tell you and also cost me dearly, because building a bike is not like off the rack, buying a bicycle off the race will only cost you a fraction of the price as those parts are shipped in together where as the build from scratch is easily 30 – 40% more, but its ME, ME ,ME

So what happened to this wonderful bike of mine? I had to sell it off due to some money constraint, It was a hard time for me to let go, but life is not that perfect and we are not born with a silver-spoon in our mouth, I feel sad typing this out as I reminisce the time I had with that bike, the climb up Genting Sempah, the races, the places I traveled with it. What a wonderful experience I tell you. I am not a bike whore, where some people just go from bike to bikes and keep changeing their bikes. I am very loyal and I stay to one and only one. so far I still can’t find a perfect bike. well I could if I had like $30 large  as there is already one by the name of "ISAAC JOULE AEROTIC" that bike I can tell u is a work of art, there are talks in the forum where people says, People buy that frame of the bike just to hang on the wall, What craziness is that. well if it floats their boat, Well .. I am back to hunting bikes again. Hope I can find one soon. Peace out and in the mean while.. enjoy your cycling

Still looking…

I know, I know, I think its been 2 years now since I touched a bike,  the sound of wind gushing through my ears, the feel of sweat dripping down on your back on a hot Sunday afternoon after a 100km expedition, looking at the road all being engulf by our front and back tyre and the look of the stagnant tree passing us by. All those are not powered by a motor, its what I call LEG power ! yes I do 100km expedition every Sunday few years ago, and to compare today its a STARK contrast, this time Sunday I sit at home or do a short run, 100km cycling with a group is just totally awesome, the people you meet the things we discuss and the friends we make. I truly miss all those days when I am on my bike. I can’t truly say I loved it all, the feeling of grueling burns when we speed at the speeds of 30 – 40km/h or even climbing a steep hill. You see the agony of peoples faces while you pass them, showing them a triumph but infact inside your heart its also bursting and gasping for oxygen. LOL.

Trust me, I am still looking for a bike which suits me, In this 2010 I have missed the OSIM and Aviva 70.3 again, I think this two event is really going elusive. I can’t seem to get a bike that suits me. I went to FELT, GIANT, SPECIALIZED ..etc..etc.. its either the color or the setting but the main problem is the BUDGET, why do a decent TRIbike cost $4000 and above. I was awaiting for a Kouta Kueen K pricing but it never came, so hence I forgotten about it totally. Now I am starting on my journey to rebuild myself again. I have to start doing my 3 discipline again instead of only one, but since I am only doing one,  this are the highlights for this year,

1. NorthEast Run 10mile:16km (missed)
2. 2Xu Run 12km (Apr)
2.2 Adidas Sundown 42km (May)  <— why 2.2 is because I am replacing someone *Might go might not*
3. Passion: 25km (June)
3.5 Legs & Paddles 5k kayak+7k run(June)
4. Newton 30km (Oct)
5. Trailblazer: 12km (Nov)
6. Standard Chartered: 42km (Dec)

Looks like this few events will have to do at the moment, IF I had my bike, I would have slotted Aviva and Osim in between and those duathlon and Triathlon events. guess I am still in search for my holy grail, Dont have to be a powerhouse like BMC or Cervelo but it would sure be nice thought. I prefer something that will just suits me.

waiting is such a hard thing

in the past few weeks I have been waiting and I can tell you that waiting is not a fun thing to do, do you know the problem with waiting ? its that you wont know whats the result is going to be like, I now understand those people who are waiting for things in their life, be it a present? money? the kids to come back..etc..etc.. as long as you are waiting, I can tell you it takes a toll on your life..  I hope that everyone does not have to wait …

How to bewary of Loans

Once in a while when I find something on the internet which I find will be useful to my knowledge I would post it in my blog, Some articles I find like Life motivation, Technology, Advise on finance, money etc..etc.. I would post it up to remind myself and also my readers, I would flip through my old blogs to see what have I done in the past and see what lesson I can learn from it, well this is definitely one advise most people can use,

its about Loans, I am sure once in a while people will have to take loan in their life, unless you were born sitting on a gold mine or oil field, but even so with only oil you can’t produce money until someone comes with machinery to mine it, so you still need a loan to buy your machinery yada yada yada. Let me post it here so we can learn from this loan segment of Business in Asiaone.

Don’t be chained to loan woes

By Lorna Tan, Senior Correspondent

It must be tempting to splash out a bit now that the worst of the
recession – and the belt-tightening that it forced on us – is over.

After all, some firms have started restoring pay cuts to employees and year-end bonuses have been paid.

With the mood improving, the urge to snap up that big-ticket item with cash or a loan is getting stronger.

Using cash is one thing, but excessive borrowing can lead to financial trouble.

‘Loans can help us to purchase high-value items or essentials that
we do not have the savings or the full amount for at the moment – but
it should be something we can afford in the long run,’ said GE Money
Singapore’s president and chief executive, Mr Rahul Gupta.

And the same principle should apply, whether for a home loan, a car
loan, a home renovation loan, one for education, or even one for a

‘Consumers need to ensure that loans taken are well within their means,’ said Mr Gupta.

Here are eight things to consider when taking out a loan:

Number 1:  A need or a want?

Before taking a loan, ask yourself if the item or service is meant to satisfy a need or a want.

Ms Tan Huey Min, assistant director at Credit Counselling Singapore,
suggests that if it is a ‘want’ – not necessary and just for
consumption – perhaps it would be better to save for it rather than to
pay a ‘premium’ price (that is, the interest cost of borrowing). For
instance, don’t borrow to pay for a vacation or a new kitchen appliance.

Take time to consider if there is an alternative to borrowing now or
borrow a smaller amount instead. Better still, don’t buy it at all if
it is unnecessary.

However, if the purchase is for investment purposes, then perhaps it
is okay to get a loan. This could be for renovations that add value to
your home, or enhancing your future income earning ability via training
and education.

Number 2: Interest cost of borrowing

Consumers should be aware of the type of interest rate that is stated in the loan agreement or marketing material.

And when considering loan options, compare like with like, said Mr Gupta.

Some loans use the annual percentage rate (APR), which reflects the
actual interest cost of borrowing, while others refer to the simple
interest rate. Shop around for the lowest APR.

The simple interest rate is calculated by applying a flat rate on the original principal amount for the entire loan tenure.

The APR is interest calculated based on the declining principal balance over the tenure of the loan.

As the borrower makes monthly repayments, the principal is reduced
every month, so the interest payable on the principal also reduces each

Sometimes a loan comes with a zero per cent interest cost if it’s
paid via a credit card. Make sure you pay off the debt before the
interest starts to build up. If you miss a payment, you may be
automatically bumped up to the highest annual interest rate of 24 per

Number 3: Current debt service ratio

Before taking the loan, calculate your debt service ratio. It is the
percentage of your monthly income needed to service long-term

It provides a useful guide to how much of your take-home pay – that
is gross pay less 20 per cent employee CPF contribution and personal
income taxes – is used to pay debts.

Debt payments are monthly expenses like mortgage, car loans,
personal loans or even credit card debts. A healthy debt servicing
ratio – debt divided by income – should be 35 per cent or less.

To put it another way, out of every $1,000 of after-tax and CPF income, you should spend $350 or less on debt repayments.

Ms Tan cautions that if the consumer already has a high amount of
outstanding debt to service, it is best to pay down existing debt first
before incurring more.

And even if your debt service ratio is less than 35 per cent, it is
prudent to consider if you have surplus funds to take on another loan
repayment after paying monthly living expenses.

Make sure you know your cash inflow and outflow before taking on another loan

Number 4: Loan tenure

It is worth considering the optimal loan tenure as it affects monthly repayments and interest paid.

Generally a longer loan tenure means smaller monthly repayments but
a shorter loan tenure may lead to lower interest paid, says GE Money.

For example, Mr Mark Tan takes a $10,000 loan for a period of five years at an APR of 18per cent per annum (pa).

His monthly repayment is $254 so the total interest he will pay over
the five-year loan tenure is $5,236, over and above the $10,000 loan

If he takes a loan period of three years at an APR of 18 per cent
pa, his monthly repayment will be $362 but the total interest paid over
three years will be $3,015.

So to minimise the interest payable, a shorter loan tenure may be an option, but the repayments will be higher.

Some financial experts suggest you make the highest repayments you
can manage so that you clear the debt in the shortest possible time.

When deciding on a loan tenure, consider your monthly commitments
and take the appropriate loan tenure based on your monthly cash flow

Number 5: Early payment options

Not all loans allow customers to settle early, so read and understand the terms and conditions of the loan before signing up.

An early settlement fee is usually imposed if a loan is paid off early.

For example, if you redeem your GE Money personal loan before the
full term expires, an early redemption fee of 3 per cent to 5 per cent
of the outstanding amount at the time will apply.

Home loan customers are urged to look beyond interest rates and consider factors such as the lock-in period and penalty fees.

Another potential cost is the loan cancellation fee. An investor who
buys a property on speculation and then applies for a loan might be hit
with a cancellation fee if the property is sold before the loan is

Cancellation fees can range between 0.75per cent and 1.5per cent of
the loan amount, and can be quite substantial. For example, if the loan
amount is $1million, the cancellation fee works out to $15,000.

Number 6: Late payment fees

Most loans stipulate late payment fees. These are over and above the
interest charged for late payment, so go through the terms and
conditions of loan agreements thoroughly to ensure you understand them

Pay special attention to fees incurred for late payment.

For instance, credit cards typically charge a one-time
administrative fee of $50 to $80 for late payment. This is besides the
24per cent interest charged on the sum that is rolled over.

So keep track of the payment dates and remember to pay before the
due date. Try to have fewer loans or credit facilities and avoid having
multiple sources of credit. In order not to incur interest and penalty
fees, pay your outstanding credit in full.

Number 7: Payment flexibility

Avoid defaulting on loan repayments as it will hurt your credit
history. However, a typical loan tenure is for at least a year, and
sometimes it is hard to predict what will happen so far into the future.

You might hit cash flow difficulties at some point, so it is worth
looking for loans that offer some payment flexibility and provide
rewards for prompt payment.

For example, Mr Gupta says that GE Money’s James personal loan,
which caters to people earning $30,000 and above, offers several
flexible payment options. They include allowing customers to defer two
payments a year, paying only the interest component or paying higher or
lower installments at the start, or end of their loans.

Such features offer flexibility in managing your cash flow,
particularly during unforeseen circumstances. GE Money customers are
also rewarded for prompt payment by having part of their interest
component, or their last installment amount of the loan, waived.

For those who can’t meet their monthly payments, experts suggest
that they approach their lender first for assistance to restructure a
loan. Financial institutions will usually review such requests on a
case by case basis. A responsible lender will work with its customers
to provide a solution.

Number 8: Other loan terms and conditions

Make sure you understand the key fees and charges stipulated by a
loan agreement. This makes you aware of what to expect when a loan is
taken and reduces any surprises after it has commenced.

If you are acting as a guarantor for a loan, be clear about the
terms and conditions of the agreement, especially those related to your
obligations as a guarantor.

Ms Tan says: ‘In the eyes of the creditor, the guarantor is the
‘same’ as the borrower, meaning, both the borrower and the guarantor
are jointly and severely liable for the loan.’

This means that even if you are willing to act as a guarantor, you
should also consider your own ability to make repayments in case the
principal borrower fails to repay.

She recalled a case in which a person (let’s call him John) became a
guarantor for a stranger (Jim), who wanted to buy a car, in return for
a fee.

When Jim defaulted on his car loan, the car financier pursued legal action against both people.

Jim could not repay and became a bankrupt. In the end, John assumed
the balance of the loan, which was $30,000, after the car was sold and
makes regular payment to avoid being made a bankrupt by the car

Well if you have read all the way to this end, I might think that you are interested in managing your finances as well, I am always finding ways to monitor my finances as I dont earn alot, I try to make do with what I have and do not buy luxury goods, well I used to, foolish me, but that was when I was not married, but this time its all different, life is not all about the materials that is drape on you nor the beautiful bags you carry, but I am not saying it does not boost morale. You can still spend within your means. As for me now, its not first priority as priority changes!



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