The One
The idea of finding The One – find the one that you like and live your life together. Check whether she is the one, are you sure you want her be besides you for all your life? You test your skill of problem solving between both of you. You would like to go travel together, seeing how the world sees both of you as a couple. If anything went wrong through this phase, break up and find another one.
Feeling for each other is important. Everything is in the romance and your heart glows when both of you are together. You like to be in company of each other and of course, being alone is torturous. Thinking about her all the time, before sleep or after wake up is a ritual. Breakfast on the bed? A morning kiss from her, while wearing your shirt? Wow. That’s how to live a life.
All of this seems perfect, except that you are not married. If this behavior becomes a girlfriend/boyfriend custom, there will be nothing new when you get married. Your previous experience will make you want more. Romance is a normal thing for you and marriage does not offer something new.
Marriage is about going on a lifetime journey on a big ship. Both of you will discover new colors of the world as a couple, experiencing sparkling new things together and endure stormy hardships with a new strength of marriage’s bond. If you hop in the ship when you are already tired of the sea, with all the bad experiences of breakups and betrayals, it won’t be as exciting as the former case.
My idea of marriage may seem conservative or kolot but that’s how I see it. This is an incomplete post on my incomplete thought. Feel free to comment and remember, attack the idea, not the person.
My new Daily Deal thread in lowyat.net
There are many daily deals website in the US and most of them carries a great deal each day. I’ve been thinking about bringing it to Malaysia when I’m going back for good this June. For further info, please visit the thread in lowyat.net.
I’m excited to bring the first daily deal which is:
Swiss Legend 90013-11 Swiss Quartz Stainless Steel Black Multi-Textured GMT Dial 100M Mens Watch - RM410 
For over a quarter of a century, the makers of Swiss Legend have carved out a legendary reputation by manufacturing timepieces steeped in tradition, design and functionality. At the very core of the Swiss Legend design philosophy rests their commitment to introducing stylish and distinctive watches that harmoniously balance cutting-edge design with old-world precision and accuracy.
This is one cool watch! It features GMT World Time functionality (controlled by the Crown at the 10:00 hour position) with World Cities Scale on outer dial, a precise 515.24H Swiss Quartz movement, a stainless steel bezel with a seconds scale & engraved chapter markers, a multi-textured jet black dial with silvertone luminous hands, red seconds hand, a black/red GMT hand and luminous Arabic numerals & hour markers, a scratch-resistant Sapphire coated mineral crystal, date display window located at 3:00, screwdown stainless steel crown and a brushed and polished solid stainless steel triple-link bracelet secured by a hidden push-button safety deployment clasp. With water resistance to 100 Meters (330 Feet - 10ATM), the Swiss Legend 90013-11 GMT watch is truly a versatile and stylish watch that is engineered to last a lifetime. Get yours today!
Detailed Specifications
Model Brand New Swiss Legend 90013-11 Mens GMT World Time Watch
List Price $695.00 USD
Case Material Polished Stainless Steel
Case Dimensions 45mm (1.77") Diameter, 14mm (0.6") Thick
Movement 515.24H Swiss Quartz Movement
Crystal Scratch Resistant Sapphire Coated Mineral Crystal
Bezel Silvertone Stainless Steel Bezel with Seconds Scale & Engraved Chapter Markers
Crown Screwdown Stainless Steel Crown at the 3:00 Hour Position for Local Time Setting, Stainless Steel Crown at the 10:00 Hour Position for GMT World Time Setting
Dial Jet Black Dial with Textured Center featuring World Cities Scale on Outer Dial, Silvertone Hands and Hour Markers, Red Seconds Hand, Red/Black GMT Hand
Calendar Date Display Window located at the 3:00 Hour Position
Luminous Luminous Hands, Arabic Numerals and Hour Markers
Bracelet-Strap Triple-Link Brushed and Polished Solid Silvertone Stainless Steel Bracelet (24mm (0.94") Wide, Adjustable to 10.5" Length)
Clasp Type Push-Button Hidden Deployment Safety Clasp
Water Resistance 100 Meters (330 Feet - 10 ATM)
Warranty 1 Year Local Manufacturer warranty
Big Picture: 
Dollar Cost Averaging, Again
I can’t stress enough how the concept of cost dollar averaging can help you to invest smarter. I found this article from Ric Edelmen’s email that is very motivating and informational. If you only read one article about investing in a year, here’s the one that you should read:
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How Dollar Cost Averaging Works
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Say you have $100 and you buy a stock that costs $10 per share. That means you buy 10 shares. Next month, you save another $100, which you place into the same fund, only now the shares are just $5. Thus, you buy 20 shares. What’s the average price of all your shares?
If you said $7.50, you’re wrong.
You invested $200 ($100 per month over two months) and you own 30 shares (you bought 10 shares, then 20). Divide $200 by 30 shares and you’ll find that the answer is $6.67.
Why did you think the answer was $7.50?
Because you used the arithmetic mean ($10 + $5 divided by 2 = $7.50). But I used the harmonic mean ($200 divided by 30). Thus, we’re both right — the average price is $7.50, but the average cost is $6.67. Since the harmonic mean always produces a lower number than the arithmetic mean, you have a built-in profit!
Dollar cost averaging succeeds because you buy fewer shares at higher prices and relatively more shares at lower prices. To make it work for you, simply invest a specific amount of money at a specific interval. Perhaps $100 per month, $25 per quarter or a $3,000 IRA each year. It does not matter as long as you are consistent. Be sure to invest at each interval, regardless of what the stock market is doing at the moment.
In fact, dollar cost averaging helps you overcome your fear that you’ll invest at the top of the market. If you had invested $1,000 in the S&P 500 on January 1 of every year from 1965 through 2002, you’d have earned an average annual return of 10.2%. But if you got really lucky and were able to make your investments on the one day each year when prices were at their lowest, you’d have averaged 10.9% instead. But, knowing your luck, it’s more likely that you’d have picked the worst day to invest each year. If so, your average annual return would have been 9.8%.
As you can see, it doesn’t much matter when you invest when you dollar cost average. It only matters that you do invest and that you stay invested. "Timing" doesn’t matter — "time in" does.*
~excerpt from the Truth About Money by Ric Edelman
MyBrute.com Case Study
Mybrute.com is a new wave of online gaming. It offers simple yet addictive gameplay. Scratch that, once you have understood how it works, you will see it’s not even a game. One thing I can’t deny is that it’s surely addictive.
There are many things that make mybrute work. First, it’s simple interface. To start challenge your friend, just put your brute name in a box and you are done. What you have to do next is just spread your link (mine is http://yosh3ll.mybrute.com. Challenge me!) and you will see your character crushing its opponent. You have 6 opportunities to challenge opponents on the first day and later it will be reduced to 3 per day.
One addictive feature is its equipments. Once you have gained enough experience challenging others (you don’t get experience by being challenged), you will have some random power or equipment to help you in your fight. This motivation alone will keep you coming everyday to maximize your experience. You will also gain additional experience if you initiate new brute by inviting new people in.
How MyBrute generates its income?
For the time being, MyBrute is earning its income by selling advertisement impressions. Imagine people are keep coming each day to maximize their experience. Plus, they will keep promoting their link to friends to gain additional experience and also to spread their bragging right. This will create new users and the process repeats. Right now MyBrute.com is in the list of top 3000 websites in the world(alexa ranking) in just 1 month of release. It was released in early April 2009.
If you search for “MyBrute Hack” you will find many sneaky people trying to con others to sign up under their link by saying their link has glitches or whatsover and you have to challenge them to get the super experience.
New Idea, New way of making money
MyBrute is a very powerful new concept of how you can integrate viral marketing with gaming. Without realizing it, the users are are the one who do all the work, either by words of mouth, linking, spamming or conning and they are happy doing it.
If you ready to join the madness, don’t forget to challenge me at http://yosh3ll.mybrute.com
Anyone bought Citibank share?
My friend, Kampung Investor, recommended me to buy Citibank share. It seems like the stock is running bullish. Just wonder how many of us decided to take the ride. Has the economy found its bottom?
Fiat Money
This topic came out when I was having lunch at Malaysian restaurant in Hoboken. Since I watched one of the series of Lethal Weapon, I were under impression that all money in the world is backed up by gold. I was completely wrong as it’s exactly the opposite. There is no country in this world that runs their money by gold standard anymore.
So what is Fiat Money?
Historically, money was backed by precious metal such as gold and silver. During World War 2, many nations needed more money to support their war. To overcome this, the US government printed more money to pay for military expenditures. All of these money were not backed by gold and thus called fiat money.
Is there any value on Fiat Money?
People might think that fiat money carries no value as it’s not backed by anything. While it’s not backed by gold, fiat money is valuable as it’s accepted as a legal tender by the US government. So all services, products and other assets in the US are backing up this fiat money. The stronger the economy and the financial status of a nation, the higher the value of their currency.
What happened to gold standard?
It’s dead. No government today have 100% money backed by gold. The United States stopped the conversion of dollar to gold in 1971(Nixon Shock). That means you cannot exchange your dollar into gold. If you still want gold, you need to go nearest the Tiffany & Co and buy some nice Return to Tiffany™ gold pendants.
Money is always an interesting story. We spend it every day while we get it every month. If you would like to read more about money, here are some places to start:
Gold Standard - The history and the demise of gold standard.
Fiat money - Further readings on fiat money.
How to create money - Interesting title but it’s not what you’d think
