October 28, 2014 - 7:07 pm - Posted by YS
We were in a Big Box Store this morning and I noticed an elderly gent. (A) seemed kind of lost.
It turned out that he was trying to restock some LED light bulbs but could
not find where the existing stocks were although he was in the right aisle.
I looked around and found the the spot and we got talking.
As we were talking a lady asked A if he knew where the Filtrate Furnace Air filters were.
A was not sure.
I pointed out to the lady as I just bought some last week when they were on sale.
A is 67, lost his wife in the 90′s and never re-married.
He said he was “not rich enough” to travel but “too rich” to get any financial assistance from the ‘govt.
He has a house and no debts.
He was getting bored and needed some spending money also.
So few months ago he started working for Costco.
When I asked if he had any girl friends, he said, “Oh, yes, but they all want to get serious and marry..!”.
I promised him that i would look him up when I next visit the store.
I may learn a thing or 2 from him.
Besides, he is my age.
Posted in Laughter, Life | No Comments »
October 26, 2014 - 7:03 pm - Posted by YS
Here are some of my suggestions:
- research research and research on cars you are interested in
and, if applicable, your own trade in value;
- have a list of prepared questions;
-make a list of security and other features you want;
-be nice to the greeter/receptionist;
- don’t be humble to talk technical about the car from your research
;you will get respect;
- always show appreciation even if you do not like the car or the salesperson;
- test drive, ask questions
- make it known you have also test driven other brands, if it is the case;
- do not be over sold (with packages you do not need or can not afford)
nor should you be undersold i.e. do not let the person sell you what they have on the lot rather than what you want;
- negotiate the sales price and your trade in separately;..then do your own maths.
- keep good record of your car service;
- if the dealer low-balls you, do not negotiate; just politely terminate and walk out;
trying to up the deal from a low point is not to your advantage since the dealer is not dealing in good faith; you should also deal in good faith as well
- after you are close to a figure,get the dealer to throw in some reasonable
goodies that would cost them little real costs e/g rain guards, wheel nuts; a few free regular services;
- treat the salesperson with respect; if he is rude he will pay the price for not getting sales;
if you are rude and emotional the salesperson will not work for you although he really is working for himself;
but he/she too has feelings.
- it is not just the monthly payments, it is how much you pay if you have to pay in cash…i.e. what is the bottom line
as i said do your own maths.
Make it enjoyable not stressful, and definitely not confrontational.
Posted in Cars | No Comments »
October 26, 2014 - 3:12 pm - Posted by YS
Some investment gurus/writers argue that dividend paying stocks do not necessarily outperform those that do not pay dividends.
The classic arguments for dividends are:
1 – shows earnings power;
2 – investors want clear reliable return
Those who do not think dividends are that vital:
1 – company can finance growth with more retained earnings;
2 – dividends will come when the time is right.
My purpose here is NOT argue for or against as this would become too academic. From my personal experience and being a ” small investors ” ( define which every way you want ) I prefer to have my portfolio filled with companies that have good and consistent records of dividend which tend to favour Financials, Preferred shares and Utilities.
Dividends from Blue Chips companies do matter in the long run.
For the past 4-5 years my portfolio with a little re-alignments from time to time has consistently outperformed the bench mark index. Dividends are a key ingredient in my case.
I need my dividends and it works.
Posted in Finance-Economy | Comments Off
February 20, 2011 - 7:32 pm - Posted by YS
My wife and I are enrolled in Zumba/Zoomba dancicise.
Being the only other male out of a class of 25+ often makes me feel “different”.
It is times like these i can clearly see and experience why and how women move more elegantly than men.
Perhaps to make me feel at home, one day the female instructor commented that my hips moved with rhythm.
I proudly responded by saying, “… this is a 38C backside….”.
Take my word, I strongly advise all able seniors to join some sort of physical activity – it is good for your soul, your health and your self confidence.
Posted in Health, Laughter | Comments Off
February 6, 2011 - 4:51 pm - Posted by YS
I recently read an article in the Vancouver Sun detailing about the writer’s experience with drivers who would continue driving despite clear and loud siren alarm/sound from Ambulance or Police Cruiser.
Yesterday ( Feb 5th ) while driving south on King George/96th, Surrey, we experienced similar behaviours from quite a few cars. The drivers either proceeded as if nothing had happened or blocking traffic on the middle or the fast lane making no effort to pull to the side.
On a related issue about drivers still using hand held cell phone or equipment, this happened just too often. I see it just about once a week or more whenever I asked my passenger to spot these irresponsible drivers.
Time to set up special traffic squad to issue tickets to offenders. This will save lives and take a lot of pressure from regular police who have more urgent and demanding issues to deal with.
Posted in Cars, Public Issues | Comments Off
January 31, 2011 - 7:54 pm - Posted by YS
I recently tried to find info. on converting Lock-In RRSP into Lock-In RIF, min, / Max withdrawals. After visiting numerous financial sites, Banks and Insuance companies and even phoning a Bank’s 1-800## I was told to check out CRA (Canadian Revenue Agency), to no avail.
I finanally stumbled into a very good and user friendly site http://www.taxtips.ca/pensions/rpp/minmaxwithdrawals.htm
It provides a very comprehensive ROAD Map- min amount withdrawal and MAX amount withdrawal for Lock-In RIF…
You can even do a dummy/trial tax analysis. Highly recommended.
Posted in Laughter | Comments Off
January 31, 2011 - 7:31 pm - Posted by YS
Posted in Public Issues | Comments Off
January 30, 2011 - 10:58 pm - Posted by YS
I am back. I officially retired in September 2008 at the age of 60. To-date I have managed to keep myself busy at a moderate pace doing meaningful things I like and those that I didn’t have the time or the money to do in my younger days.
I will have more to say in the coming days/weeks on how things and my life have evolved since then.
Posted in Laughter | Comments Off
June 10, 2009 - 9:38 pm - Posted by YS
September 19, 2008 – Friday
Was my last day at work after giving a 13 week verbal notice followed by a 7 week written confirmation to my employer. The decision was not difficult as this had been well thought of and discussed with my spouse for over 1 year. I informed my supervisor in early 2008 that I would not stay pass Jan/2009 and would leave earlier if they had a candidate to replace me.
I had also wanted and considered taking a 6-8 weeks leave but regretfully that could not be worked out.
I am a true believer of stepping down before my time is due or simply put – quit while you are ahead. My job was not overly demanding or stressful and the pay is adequate. This had prompted many to ask ” why!”.
Over the years it was clear to me that there were too many who have overstayed - they showed clear signs of ill health, physically and mentally and noticeably performing their job in a ” wobbly manner “.
People who are concerned about not having enough to do after retirement need to look no further than their own communities – volunteering work is abundantly available. Give back to the society, i urge them, or simply spend more time on things you have always wanted to do unless you are one of those who would prefer to pass out/away on your desk.
To start my retirement i will take a small and humble step of weeding one at a time!
Not to burn my bridges – I may indeed return to a paid job - will keep the rest of thoughts to myself
June 2009 – update
I have been busy working around the house so I truly enjoy my retirement.
Posted in Memoirs - a mini version | Comments Off
June 10, 2009 - 9:34 pm - Posted by YS
Here are some very common and irresponsible acts that can be seen in our everyday life.
At the swimming pool -
1 – an adult man somehow had his jacket turned upside down in the changing room and out came about 5 locker tokens ( coins provided by the pool for lockers) from one of the pockets;
2 – people with clear skin problems that should not be in the water;
3 – walkers in a lane clearly marked for lap-swimming only;
4 – shaving while leaving taps open (steam from the hot water can be easily seen);
5 – 20 + sheets of paper towels to dry one’s body with bath towel on the body;
5 – generously sharing loud music with windows wide open;
6 – flicking cigarettes ashes through the window;
7 – hopping from side-walk to the road without even turning head to ensure no car is turning;
8 – riding against the traffic flow;
9 – slowly opening one’s handbag and trying to locate a purse or loose change
Posted in Life | Comments Off