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<?xml-stylesheet type="text/xsl" media="screen" href="/~d/styles/atom10full.xsl"?><?xml-stylesheet type="text/css" media="screen" href="http://feeds.feedburner.com/~d/styles/itemcontent.css"?><feed xmlns="http://www.w3.org/2005/Atom" xmlns:openSearch="http://a9.com/-/spec/opensearch/1.1/" xmlns:georss="http://www.georss.org/georss" xmlns:gd="http://schemas.google.com/g/2005" xmlns:thr="http://purl.org/syndication/thread/1.0" xmlns:feedburner="http://rssnamespace.org/feedburner/ext/1.0" gd:etag="W/&quot;Dk8BRn48fip7ImA9WhRaFEk.&quot;"><id>tag:blogger.com,1999:blog-5129401120615597269</id><updated>2012-02-17T13:14:17.076+11:00</updated><category term="Holidays" /><category term="motherhood" /><category term="Life at 40" /><category term="Formula One" /><category term="Aussie" /><category term="Melbourne" /><category term="children" /><category term="Canberra" /><category term="FAQ" /><category term="movies" /><category term="Personal Finance" /><category term="Music" /><title>glory box</title><subtitle type="html">my wandering thoughts</subtitle><link rel="http://schemas.google.com/g/2005#feed" type="application/atom+xml" href="http://gloryboxtoo.blogspot.com/feeds/posts/default" /><link rel="alternate" type="text/html" href="http://gloryboxtoo.blogspot.com/" /><author><name>stingfan</name><email>noreply@blogger.com</email><gd:image rel="http://schemas.google.com/g/2005#thumbnail" width="32" height="23" src="http://2.bp.blogspot.com/_5nSlJyn_Rx8/S7u5J2l1bfI/AAAAAAAAD3M/TNHNJkTbtlU/S220/crooked2.JPG" /></author><generator version="7.00" uri="http://www.blogger.com">Blogger</generator><openSearch:totalResults>22</openSearch:totalResults><openSearch:startIndex>1</openSearch:startIndex><openSearch:itemsPerPage>25</openSearch:itemsPerPage><atom10:link xmlns:atom10="http://www.w3.org/2005/Atom" rel="self" type="application/atom+xml" href="http://feeds.feedburner.com/blogspot/YgbYB" /><feedburner:info uri="blogspot/ygbyb" /><atom10:link xmlns:atom10="http://www.w3.org/2005/Atom" rel="hub" href="http://pubsubhubbub.appspot.com/" /><entry gd:etag="W/&quot;A0cESH0yeip7ImA9Wx5RGUQ.&quot;"><id>tag:blogger.com,1999:blog-5129401120615597269.post-6215616876556763945</id><published>2010-08-28T22:36:00.000+10:00</published><updated>2010-08-28T22:36:49.392+10:00</updated><app:edited xmlns:app="http://www.w3.org/2007/app">2010-08-28T22:36:49.392+10:00</app:edited><title>I am moving!</title><content type="html">&lt;span class="Apple-style-span" style="font-size: x-large;"&gt;Things are improving. &amp;nbsp;We have established our very own domain!&lt;/span&gt;&lt;div&gt;&lt;span class="Apple-style-span" style="font-size: x-large;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span class="Apple-style-span" style="font-size: x-large;"&gt;Follow me here&amp;nbsp;&lt;/span&gt;&lt;a href="http://glorybox.filodownunder.com/"&gt;&lt;span class="Apple-style-span" style="font-size: x-large;"&gt;Filo down under: My Glory Box&lt;/span&gt;&lt;/a&gt;&lt;/div&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/5129401120615597269-6215616876556763945?l=gloryboxtoo.blogspot.com' alt='' /&gt;&lt;/div&gt;
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&lt;br /&gt;
Once upon a time, this FAQ made me want to run for the door. Unlike some lucky people, I do not have househelp to prepare dinner at the end of a busy day at work. &lt;br /&gt;
&lt;br /&gt;
As a mother, I juggle a career and a family life. I have to think about kid stuff such as schooling, out-of-school activities, play dates, and lunch boxes. Then, there is running a household which is broad ranging from house upkeep to holiday planning, from weekend activities to laundry management, and so on. As an "event manager", I often think that our life will stop if I do not make things happen. That is all good if one is a stay-at-home wife. For a working mother, this can be distressful depending on the phases of the moon. I wished that I worked as a receptionist or a telephone operator so I did not have the additional strain of work stress.&lt;br /&gt;
&lt;br /&gt;
One day, I decided that "something has got to give". Give, I did. Who made these rules anyway? I sat down with the hubby and showed him the long list of my to-do's. Well, I didn't really have a list nor did we really sit down. The hubby listened; he had no choice. He resolved to help me out of my rut. I realised that all I had to do was ask.&lt;br /&gt;
&lt;br /&gt;
One of the hubby's strengths is cooking. So he became the primary chef in the kitchen. He is also good with lists, hence he also took over the grocery list. I still have to do the shopping though as he is hopeless in keeping the grocery bill &lt;i&gt;low&lt;/i&gt;. My friends tease me that I never cook anymore. I just smile serenely. Of course I still cook. I do "invention" dishes when the hubby's prepared dishes run out. And yes, this new arrangement eased my strain tremendously.&lt;br /&gt;
&lt;br /&gt;
These days I am still asked, "So, what's for dinner?"&lt;br /&gt;
&lt;br /&gt;
But this time, I think, the hubby means "Which of the three dishes I cooked are we eating tonight?&amp;nbsp;The pasta bake, the adobo, or the claypot chicken?" He still gives me the power to call the shots.&amp;nbsp;Bless him. On good days, I relish making these "executive decisions". On bad days? A decision is still a decision. I still scream in my head!&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/5129401120615597269-5565486003194868821?l=gloryboxtoo.blogspot.com' alt='' /&gt;&lt;/div&gt;
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&lt;a href="http://feedads.g.doubleclick.net/~a/EPZDhieg3U8EV4sCD6twwTd3CPU/1/da"&gt;&lt;img src="http://feedads.g.doubleclick.net/~a/EPZDhieg3U8EV4sCD6twwTd3CPU/1/di" border="0" ismap="true"&gt;&lt;/img&gt;&lt;/a&gt;&lt;/p&gt;&lt;img src="http://feeds.feedburner.com/~r/blogspot/YgbYB/~4/2t2iPeJzcQc" height="1" width="1"/&gt;</content><link rel="replies" type="application/atom+xml" href="http://gloryboxtoo.blogspot.com/feeds/5565486003194868821/comments/default" title="Post Comments" /><link rel="replies" type="text/html" href="http://www.blogger.com/comment.g?blogID=5129401120615597269&amp;postID=5565486003194868821" title="0 Comments" /><link rel="edit" type="application/atom+xml" href="http://www.blogger.com/feeds/5129401120615597269/posts/default/5565486003194868821?v=2" /><link rel="self" type="application/atom+xml" href="http://www.blogger.com/feeds/5129401120615597269/posts/default/5565486003194868821?v=2" /><link rel="alternate" type="text/html" href="http://feedproxy.google.com/~r/blogspot/YgbYB/~3/2t2iPeJzcQc/so-whats-for-dinner.html" title="&quot;So, what's for dinner?&quot;" /><author><name>stingfan</name><email>noreply@blogger.com</email><gd:image rel="http://schemas.google.com/g/2005#thumbnail" width="32" height="23" src="http://2.bp.blogspot.com/_5nSlJyn_Rx8/S7u5J2l1bfI/AAAAAAAAD3M/TNHNJkTbtlU/S220/crooked2.JPG" /></author><thr:total>0</thr:total><feedburner:origLink>http://gloryboxtoo.blogspot.com/2010/07/so-whats-for-dinner.html</feedburner:origLink></entry><entry gd:etag="W/&quot;DkQGSXs9eCp7ImA9Wx5TFUo.&quot;"><id>tag:blogger.com,1999:blog-5129401120615597269.post-6808893807956947677</id><published>2010-07-11T16:55:00.021+10:00</published><updated>2010-07-31T21:05:28.560+10:00</updated><app:edited xmlns:app="http://www.w3.org/2007/app">2010-07-31T21:05:28.560+10:00</app:edited><title>The female bond</title><content type="html">&lt;div style="margin: 0px;"&gt;&lt;i&gt;(My other playful title was "Why do females flock to the bathroom at the same time?")&lt;/i&gt;&lt;/div&gt;&lt;div style="margin: 0px;"&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div style="margin: 0px;"&gt;Last year, my girlfriends and I organised an amazing night for a girlfriend who was about to tie the knot. &amp;nbsp;We stayed overnight at a hotel in the city and whiled the night away in a cruise ship with "Studs Afloat". We dined, danced, giggled and swapped tales. &amp;nbsp;We were teenagers once again.&lt;/div&gt;&lt;div&gt;&lt;div style="margin: 0px;"&gt;&lt;br /&gt;
&lt;/div&gt;&lt;/div&gt;&lt;div&gt;&lt;div style="margin: 0px;"&gt;This year, the last single girlfriend is about to wed. What could possibly top last year's Hens' Night? We searched the internet&amp;nbsp;high and low. We planned, we held secret meetings, we voted and we saved. It was five months in the making. For a moment there, I thought we were never going to find an event that will surpass shirtless waiters.&lt;/div&gt;&lt;/div&gt;&lt;div&gt;&lt;div style="margin: 0px;"&gt;&lt;br /&gt;
&lt;/div&gt;&lt;/div&gt;&lt;div&gt;&lt;div style="margin: 0px;"&gt;Then we stumbled upon "The Artful Hen".&lt;/div&gt;&lt;/div&gt;&lt;div&gt;&lt;div style="margin: 0px;"&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div style="margin: 0px;"&gt;We were not disappointed. Suffice it to say, it was tasteful and it was a night that will remain forever&amp;nbsp;&lt;i&gt;etched&lt;/i&gt;&amp;nbsp;in our memories.&lt;/div&gt;&lt;/div&gt;&lt;div&gt;&lt;div style="margin: 0px;"&gt;&lt;br /&gt;
&lt;/div&gt;&lt;/div&gt;&lt;div&gt;&lt;div style="margin: 0px;"&gt;But what makes these small getaways special to me is about being with my female friends. Something magical happens when we are together. For me, it is a release from my daily grind of being a wife and a mother (&lt;i&gt;yes, it can take its toll, to be honest)&lt;/i&gt;. We dress up and we disappear into the night.&amp;nbsp;We stay up late and we sleep in. These are things that I never get to do anymore. It's about sharing my intimate thoughts with no fear of being judged. It's a true getaway of the mind and body. It's like someone restarted my processors, giving me fresh energy to go back to my family with renewed vigour. The ideas that we bounce off each other are exhilarating. We all go home to our husbands revitalised.&lt;/div&gt;&lt;div style="margin: 0px;"&gt;&lt;br /&gt;
&lt;/div&gt;&lt;/div&gt;&lt;div&gt;&lt;div style="margin: 0px;"&gt;I have multiple circles of beautiful people around me. I have mum-friends, &amp;nbsp;friends with no kids, single friends, work friends, life friends from college and from previous jobs. Thanks to Facebook, I also found long lost friends and have renewed ties with them. &lt;br /&gt;
&lt;br /&gt;
&lt;/div&gt;&lt;div style="margin: 0px;"&gt;Each of my female friend is important in their own little way. Every relationship is unique and has its own level and space to feed a particular need. For example, I can only truly share my issues about my special needs son to another special needs mum!&lt;/div&gt;&lt;div style="margin: 0px;"&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div style="margin: 0px;"&gt;My children define me; my husband completes me; and my female friends? Well ... they &lt;i&gt;fuel&lt;/i&gt; me!&lt;/div&gt;&lt;/div&gt;&lt;div&gt;&lt;div style="margin: 0px;"&gt;&lt;br /&gt;
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&lt;a href="http://feedads.g.doubleclick.net/~a/kmoAdTLNiv0ddvZLwLaJPoiK_kQ/1/da"&gt;&lt;img src="http://feedads.g.doubleclick.net/~a/kmoAdTLNiv0ddvZLwLaJPoiK_kQ/1/di" border="0" ismap="true"&gt;&lt;/img&gt;&lt;/a&gt;&lt;/p&gt;&lt;img src="http://feeds.feedburner.com/~r/blogspot/YgbYB/~4/c6UAHDzpKRI" height="1" width="1"/&gt;</content><link rel="replies" type="application/atom+xml" href="http://gloryboxtoo.blogspot.com/feeds/6808893807956947677/comments/default" title="Post Comments" /><link rel="replies" type="text/html" href="http://www.blogger.com/comment.g?blogID=5129401120615597269&amp;postID=6808893807956947677" title="0 Comments" /><link rel="edit" type="application/atom+xml" href="http://www.blogger.com/feeds/5129401120615597269/posts/default/6808893807956947677?v=2" /><link rel="self" type="application/atom+xml" href="http://www.blogger.com/feeds/5129401120615597269/posts/default/6808893807956947677?v=2" /><link rel="alternate" type="text/html" href="http://feedproxy.google.com/~r/blogspot/YgbYB/~3/c6UAHDzpKRI/female-bond.html" title="The female bond" /><author><name>stingfan</name><email>noreply@blogger.com</email><gd:image rel="http://schemas.google.com/g/2005#thumbnail" width="32" height="23" src="http://2.bp.blogspot.com/_5nSlJyn_Rx8/S7u5J2l1bfI/AAAAAAAAD3M/TNHNJkTbtlU/S220/crooked2.JPG" /></author><thr:total>0</thr:total><feedburner:origLink>http://gloryboxtoo.blogspot.com/2010/07/female-bond.html</feedburner:origLink></entry><entry gd:etag="W/&quot;CEEAR3o9eyp7ImA9Wx5TEEk.&quot;"><id>tag:blogger.com,1999:blog-5129401120615597269.post-7347229321929228226</id><published>2010-07-03T09:51:00.001+10:00</published><updated>2010-07-25T17:24:06.463+10:00</updated><app:edited xmlns:app="http://www.w3.org/2007/app">2010-07-25T17:24:06.463+10:00</app:edited><category scheme="http://www.blogger.com/atom/ns#" term="FAQ" /><category scheme="http://www.blogger.com/atom/ns#" term="Aussie" /><title>"So, how was your weekend?"</title><content type="html">&lt;span style="font-size: small;"&gt;&lt;i&gt;This is my own take of "the Aussie way of life".&lt;/i&gt;&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
"So, how was your weekend?"&lt;br /&gt;
&lt;br /&gt;
This question used to throw me off-kilter.&amp;nbsp; I thought, "Do you really want to hear that I had a lousy weekend?"&lt;br /&gt;
&lt;br /&gt;
My family relocated to Australia in 2000. At that time, when my workmates asked me this simple question on Mondays, I was truly puzzled.&amp;nbsp; In my mind, I went "This question is very personal.&amp;nbsp; Why do they want to know?&amp;nbsp; If I say that I did nothing, they will think how boring my life is.&amp;nbsp; But it is not boring at all, just un-exciting.&amp;nbsp;&amp;nbsp;Do they seriously want to &lt;i&gt;know&lt;/i&gt;?&amp;nbsp; Shall I tell them how I vacuumed and cleaned my carpet?&amp;nbsp; Well, I better start doing &lt;i&gt;things &lt;/i&gt;on weekends so I will appear exciting!"&lt;br /&gt;
&lt;br /&gt;
I&amp;nbsp;started dreading this question.&amp;nbsp; I&amp;nbsp;felt pressured to come up with exciting weekend stories.&lt;br /&gt;
&lt;br /&gt;
Later, it dawned on me that this simple question is the equivalent of our "&lt;i&gt;Kumusta na&lt;/i&gt;?" or "Hello".&amp;nbsp; However,&amp;nbsp;Aussies go beyond&amp;nbsp;the simple "How are you?".&amp;nbsp; They genuinely like to hear what transpired over your weekend.&amp;nbsp; They like to listen, and they also want to share their own stories.&amp;nbsp; It&amp;nbsp;goes beyond the niceties of "talking about the weather".&amp;nbsp; Which by the way, is a great conversation starter.&lt;br /&gt;
&lt;br /&gt;
It is amazing&amp;nbsp;how there is so much to talk about the weather.&amp;nbsp; Back in the Philippines, there is only hot and rain and the occasional flooding.&amp;nbsp; Not particularly interesting to talk about.&amp;nbsp; But when you live in a country with four seasons, "weather-talk" establishes a safe and common ground and it builds rapport. &amp;nbsp;Everybody knows what the weather is like so there is instant camaraderie.&lt;br /&gt;
&lt;br /&gt;
I also&amp;nbsp;noticed how Aussies tend to use big words&amp;nbsp;to describe&amp;nbsp;pedestrian things. &amp;nbsp;Words such as "awesome", "beautiful" and "excellent" are commonly used to add color and dimension.&amp;nbsp; The word&amp;nbsp;"lovely" is not limited to describing a pretty girl.&amp;nbsp; It can be used to describe "a lovely weekend". On the other hand, we Filipinos, tend to&amp;nbsp;use precise words&amp;nbsp;and downplay our happenings.&lt;br /&gt;
&lt;br /&gt;
So the next time someone asked you "How was your weekend?" or "So, how was your holiday?"&lt;br /&gt;
&lt;br /&gt;
Without missing a beat, respond quickly, "Oh I spent the weekend tidying up my kitchen.&amp;nbsp; I can't believe I have so much expired stuff inside my pantry!&amp;nbsp; I drove the kids to soccer Saturday morning.&amp;nbsp; And by golly, was it freezing!"&lt;br /&gt;
&lt;br /&gt;
Put a spin to it. Use big words. Paint a &lt;i&gt;lovely&lt;/i&gt; picture!&amp;nbsp; Notice that I said virtually &lt;i&gt;nothing &lt;/i&gt;personal.&amp;nbsp; Yet I came across as one who had a blast!&amp;nbsp; &lt;br /&gt;
&lt;br /&gt;
Don't get me started on responding to "How's life?"&lt;br /&gt;
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&lt;br /&gt;
A reprint ...&lt;br /&gt;
&lt;br /&gt;
NEW YORK (Reuters) - Vampire romance has become hotter -- if you can  believe the story.&lt;br /&gt;
That seems to be the consensus by U.S. critics  for the third episode of teen vampire saga "The Twilight Saga: Eclipse,"  which debuted on Wednesday to a record-breaking $30 million (20 million  pounds) box office in screenings just after midnight.&lt;br /&gt;
North  American ticket sales beat predecessor "The Twilight Saga: New Moon"  with $26.3 million and are the most for any movie's midnight screenings,  according to tracker Hollywood.com Box Office.&lt;br /&gt;
Critics said the  movie boosted its romantic storyline, but the overall film was not  entirely satisfying due to poor acting and execution, according to a  consensus of reviews posted Wednesday.&lt;br /&gt;
The middle instalment of  the film franchise -- Stephenie Meyer's four books are being spread out  over five films for maximum profit -- was released in U.S. cinemas this  week and again features a love triangle between Edward Cullen (Robert  Pattinson), Bella Swan (Kristen Stewart) and Jacob Black (Taylor  Lautner.)&lt;br /&gt;
The third film is "more of the same" from the first two  movie, said USA Today, noting the physical attributes of the three  co-stars are featured heavily in the film franchise that is wildly  popular with the coveted teen market.&lt;br /&gt;
"This is definitely the most  romantic of the films, although some of these scenes are set in  flower-filled meadows that bring to mind feminine-hygiene commercials,"  the newspaper said.&lt;br /&gt;
The New York Times said "Eclipse" was "a more  robustly entertaining film than either of its predecessors" with added  humour, more violence, "and, true to the film's title, a deeper  intimation of darkness."&lt;br /&gt;
But it said with the exception of  Stewart, "what there isn't, as usual, is much in the way of good  acting."&lt;br /&gt;
Overall, the film has scored a 50 percent rating among  reviews aggregated by website rottentomatoes.com with 53 critics saying  positive things and 53 negative.&lt;br /&gt;
BOX OFFICE UNFAZED&lt;br /&gt;
But  reviews may not matter for the teen market who have embraced the first  two films as much as they have Meyer's books, and the midnight  screenings certainly brought out loyal followers known as "Twi-hards."&lt;br /&gt;
The  initial "Twilight" sucked $392.5 million from box offices worldwide and  its sequel, "The Twilight Saga: New Moon" raked-in $709 million  worldwide.&lt;br /&gt;
And whether they can act or not, the franchise's stars  have profited. Both Pattinson and Stewart were ranked in this week's  Forbes' magazine 2010 celebrity power list, earning $17 million and $12  million respectively in 2010. Author Stephenie Meyer made $40 million.&lt;br /&gt;
Roger  Ebert of the Chicago Sun-Times said while part of the movie didn't  work, including the special effects, "the audience watched this film  rapt with attention" and in summing up, said "The 'Twilight' movies are  chaste eroticism to fuel adolescent dreams."&lt;br /&gt;
To sum up the movie,  many reviews noted the line from the film that seemed to most epitomize  the stand-off between Edward and Jacob over their competing affections  for Bella. Jacob tells his rival: "Let's face it, I'm hotter than you."&lt;br /&gt;
&lt;br /&gt;
(Reporting  by Christine Kearney, editing by Bob Tourtellotte)&lt;br /&gt;
&lt;br /&gt;
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&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;The Sunday before the big day, we went through the list, and I gulped! &amp;nbsp;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;"Gab, we have no insect repellant! &amp;nbsp;And your thermals (long johns) are still hanging in the laundry. &amp;nbsp;But we have to practice packing tonight so I have time to run to the shops for anything we missed."&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;"Ayayay, mum, you are panicking!"&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;Indeed I am. &amp;nbsp;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;A week before, I told Gab that he must use his sleeping bag and practice folding it every morning. &amp;nbsp;I knew that this will be tricky. &amp;nbsp;It is essential that everything fits in his luggage so nothing is left behind. &amp;nbsp;Packing his sleeping bag turned out to be quite challenging for this kid. &amp;nbsp;I assumed that being our son (Mum and Dad hiked Philippine mountains in their youth), Gab will breeze through this. &amp;nbsp;&lt;i&gt;Wrong&lt;/i&gt;. Alas, he complained about his fingers hurting, and how it is not easy to fit the sleeping bag into its &lt;i&gt;bag&lt;/i&gt; ... (This mum had to find a bigger &lt;i&gt;bag&lt;/i&gt;.)&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;It suddenly dawned on me how sheltered 2nd Generation migrant kids are. &amp;nbsp;They will never experience "&lt;i&gt;isang kahig isang tuka&lt;/i&gt;" or "&lt;i&gt;nabuhay lang kami sa utang buwan buwan&lt;/i&gt;". &amp;nbsp;Their lives are so far removed from our own experiences. &amp;nbsp;But I digress ...&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;As much as I worry, I actually relish the thought of Gab's time away. &amp;nbsp;It will teach him decision-making, looking after his things, and responsibility.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;"Just make sure you take a shower everyday whether it is in the morning or at night. &amp;nbsp;And it is &lt;i&gt;OK&lt;/i&gt;&amp;nbsp;to re-use any of your clothes if you run out as long as it is not soiled. &amp;nbsp;I did pack enough spare clothing so ... I think you should also use your journal to record your thoughts at night. &amp;nbsp;And please remember to brush your teeth &lt;i&gt;properly!"&lt;/i&gt;&lt;/div&gt;&lt;div&gt;&lt;i&gt;&lt;br /&gt;
&lt;/i&gt;&lt;/div&gt;&lt;div&gt;"Ayayay, mum!"&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;I asked Gab what is he looking forward to the most? &amp;nbsp;His answer was: "Time away from Kuya!"&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;It seemed to him, that his older brother's mission in life is to annoy him everyday!&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
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&lt;a href="http://feedads.g.doubleclick.net/~a/Bddlw0lCOyeybDNeml4oL-PbE0I/1/da"&gt;&lt;img src="http://feedads.g.doubleclick.net/~a/Bddlw0lCOyeybDNeml4oL-PbE0I/1/di" border="0" ismap="true"&gt;&lt;/img&gt;&lt;/a&gt;&lt;/p&gt;&lt;img src="http://feeds.feedburner.com/~r/blogspot/YgbYB/~4/pgW9WZIcLUw" height="1" width="1"/&gt;</content><link rel="replies" type="application/atom+xml" href="http://gloryboxtoo.blogspot.com/feeds/8004054395889822628/comments/default" title="Post Comments" /><link rel="replies" type="text/html" href="http://www.blogger.com/comment.g?blogID=5129401120615597269&amp;postID=8004054395889822628" title="2 Comments" /><link rel="edit" type="application/atom+xml" href="http://www.blogger.com/feeds/5129401120615597269/posts/default/8004054395889822628?v=2" /><link rel="self" type="application/atom+xml" href="http://www.blogger.com/feeds/5129401120615597269/posts/default/8004054395889822628?v=2" /><link rel="alternate" type="text/html" href="http://feedproxy.google.com/~r/blogspot/YgbYB/~3/pgW9WZIcLUw/kids-camp-101-mums-in-panic-mode.html" title="Kids' Camp 101: Mums in panic mode!" /><author><name>stingfan</name><email>noreply@blogger.com</email><gd:image rel="http://schemas.google.com/g/2005#thumbnail" width="32" height="23" src="http://2.bp.blogspot.com/_5nSlJyn_Rx8/S7u5J2l1bfI/AAAAAAAAD3M/TNHNJkTbtlU/S220/crooked2.JPG" /></author><thr:total>2</thr:total><feedburner:origLink>http://gloryboxtoo.blogspot.com/2010/06/kids-camp-101-mums-in-panic-mode.html</feedburner:origLink></entry><entry gd:etag="W/&quot;AkYDRH05eyp7ImA9WxFUF0w.&quot;"><id>tag:blogger.com,1999:blog-5129401120615597269.post-2150728718686967086</id><published>2010-06-26T01:11:00.014+10:00</published><updated>2010-06-28T19:42:55.323+10:00</updated><app:edited xmlns:app="http://www.w3.org/2007/app">2010-06-28T19:42:55.323+10:00</app:edited><category scheme="http://www.blogger.com/atom/ns#" term="Personal Finance" /><title>About a Will ... revealed!</title><content type="html">&lt;div style="border-collapse: collapse; font-family: serif; margin-bottom: 0px; margin-left: 0cm; margin-right: 0cm; margin-top: 0px;"&gt;&lt;i&gt;&lt;span style="font-family: Arial;"&gt;&lt;span style="font-family: sans-serif; font-style: italic;"&gt;&lt;span class="Apple-style-span" style="font-size: small;"&gt;Disclaimer: &amp;nbsp;This article is not a financial&amp;nbsp;advice. &amp;nbsp;This is just me sharing to the wall! &amp;nbsp;I am simply recalling what, why, and how we did it ... This daunting task is, hopefully, simplified :)&amp;nbsp;&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/i&gt;&lt;/div&gt;&lt;div style="border-collapse: collapse; font-family: serif; font-size: 12pt; margin-bottom: 0px; margin-left: 0cm; margin-right: 0cm; margin-top: 0px;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;&lt;span class="Apple-style-span" style="font-size: medium;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="border-collapse: collapse; margin-bottom: 0px; margin-left: 0cm; margin-right: 0cm; margin-top: 0px;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;A will is one of those things that most people put in the "too hard" basket. &amp;nbsp;You either procrastinate or you forget about it&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;&amp;nbsp;altogether.&amp;nbsp; But this should not be the case when you have dependents. Especially not so when you have a dependent who will be needing lifetime care (read: a special needs child).&amp;nbsp;Contrary to popular belief, a will is not only for the rich and the famous. &lt;/span&gt;&lt;b&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;Y&lt;/span&gt;&lt;span style="font-weight: bold;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;ou,&amp;nbsp;&lt;/span&gt;&lt;/span&gt;&lt;/b&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;yes you&lt;/span&gt;&lt;b&gt;&lt;span style="font-weight: bold;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;, will&amp;nbsp;&amp;nbsp;need one too&lt;/span&gt;&lt;/span&gt;&lt;/b&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;. Not only does a will ensure that your surviving family is looked after according to your wishes; a will also protects the time, energy and resources you spend in building your wealth.&amp;nbsp;&lt;/span&gt;&lt;/div&gt;&lt;div style="border-collapse: collapse; margin-bottom: 0px; margin-left: 0cm; margin-right: 0cm; margin-top: 0px;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;/div&gt;&lt;div style="border-collapse: collapse; margin-bottom: 0px; margin-left: 0cm; margin-right: 0cm; margin-top: 0px;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;Having said that, in my opinion, a will is not essential if one has straightforward investments. Your superannuation plan and life insurance policy will have nominated beneficiaries, after all.&lt;/span&gt;&lt;/div&gt;&lt;div style="border-collapse: collapse; margin-bottom: 0px; margin-left: 0cm; margin-right: 0cm; margin-top: 0px;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;/div&gt;&lt;div style="border-collapse: collapse; margin-bottom: 0px; margin-left: 0cm; margin-right: 0cm; margin-top: 0px;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;But what if you have shares, investment properties, businesses and other assets? It is useful to consider how you want your dependents to receive their inheritance. Will they have access to it at age 21 or will they get it later? Will they be needing guardians? Who do you appoint as trustee,&amp;nbsp;etc. The possibilities are endless; the whole exercise can be&amp;nbsp;&lt;/span&gt;&lt;i&gt;&lt;span style="font-style: italic;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;mind-boggling&lt;/span&gt;&lt;/span&gt;&lt;/i&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;!&lt;/span&gt;&lt;/div&gt;&lt;div style="border-collapse: collapse; margin-bottom: 0px; margin-left: 0cm; margin-right: 0cm; margin-top: 0px;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;/div&gt;&lt;div style="border-collapse: collapse; margin-bottom: 0px; margin-left: 0cm; margin-right: 0cm; margin-top: 0px;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;The hubby and I always knew that we needed a will. But like everyone else we found various reasons to defer attending to it. Finally, when last year's U.S. holiday became imminent, we thought, "OK, we can't put this off any longer. Who knows what could happen to us in this trip?"&lt;/span&gt;&lt;/div&gt;&lt;div style="border-collapse: collapse; margin-bottom: 0px; margin-left: 0cm; margin-right: 0cm; margin-top: 0px;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;/div&gt;&lt;div style="border-collapse: collapse; margin-bottom: 0px; margin-left: 0cm; margin-right: 0cm; margin-top: 0px;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;So let's get cracking and try to dissect this thing called The Will. It might be useful to think of a flowchart when preparing it.&lt;/span&gt;&lt;/div&gt;&lt;div style="border-collapse: collapse; margin-bottom: 0px; margin-left: 0cm; margin-right: 0cm; margin-top: 0px;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;/div&gt;&lt;div style="border-collapse: collapse; margin-bottom: 0px; margin-left: 0cm; margin-right: 0cm; margin-top: 0px;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;Case 1:&amp;nbsp;&lt;/span&gt;&lt;b&gt;&lt;span style="font-weight: bold;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;One surviving spouse.&amp;nbsp;&lt;/span&gt;&lt;/span&gt;&lt;/b&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;Each partner draws up his or her will. The surviving spouse receives full inheritance when the other party dies.&amp;nbsp;&lt;/span&gt;&lt;i&gt;&lt;span style="font-style: italic;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;End of story&lt;/span&gt;&lt;/span&gt;&lt;/i&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;. The surviving spouse must then update his or her will to take his or her new status into account.&lt;/span&gt;&lt;/div&gt;&lt;div style="border-collapse: collapse; margin-bottom: 0px; margin-left: 0cm; margin-right: 0cm; margin-top: 0px;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;&lt;br /&gt;
&lt;/span&gt; &lt;/div&gt;&lt;div style="border-collapse: collapse; margin-bottom: 0px; margin-left: 0cm; margin-right: 0cm; margin-top: 0px;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;Case 2:&amp;nbsp;&lt;/span&gt;&lt;b&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;Both spouses fail to survive.&lt;/span&gt;&lt;/b&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;&amp;nbsp;You will need to appoint a guardian for your children. Ideally, this would be an&amp;nbsp;adult next of kin. If no next of kin is willing or able - this is especially true for migrants with no relatives in their adopted country - then nominate a trusted friend. It is assumed that the guardian will provide care for the minor children. Therefore, this person must share your values as they will be caring for your kids.&amp;nbsp;If you cannot find a trustworthy relative or friend, then the State may become the guardian for your children.&amp;nbsp;The State will make the decisions about foster care, for example.&lt;/span&gt;&lt;/div&gt;&lt;div style="border-collapse: collapse; margin-bottom: 0px; margin-left: 0cm; margin-right: 0cm; margin-top: 0px;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;/div&gt;&lt;div style="border-collapse: collapse; margin-bottom: 0px; margin-left: 0cm; margin-right: 0cm; margin-top: 0px;"&gt;&lt;b&gt;&lt;span style="font-weight: bold;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;Appoint an executor.&amp;nbsp;&lt;/span&gt;&lt;/span&gt;&lt;/b&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;The executor is the person who ensures that all provisions in your will are executed accordingly. This is usually a lawyer.&amp;nbsp;However, if the trustee (see below) is sufficiently familiar with the law he can become the executor too.&lt;/span&gt;&lt;/div&gt;&lt;div style="border-collapse: collapse; margin-bottom: 0px; margin-left: 0cm; margin-right: 0cm; margin-top: 0px;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;&amp;nbsp;&amp;nbsp;&lt;/span&gt;&lt;/div&gt;&lt;div style="border-collapse: collapse; margin-bottom: 0px; margin-left: 0cm; margin-right: 0cm; margin-top: 0px;"&gt;&lt;b&gt;&lt;span style="font-weight: bold;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;Appoint a trustee.&lt;/span&gt;&lt;/span&gt;&lt;/b&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;&amp;nbsp;The trustee is the entity who will carry out the provisions of your will. These provisions may include the sale of assets, distribution of assets to beneficiaries, settlement of debts (including death expenses), payments to the guardian for the children's food and lodging expenses, providing for the education of the children, etc. Whereas the guardian looks after your children, the trustee, on the other hand, manages your assets. The trustee and the executor&amp;nbsp;&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;can be the same person.&amp;nbsp;However, it is&amp;nbsp;&lt;/span&gt;&lt;i&gt;&lt;span style="font-style: italic;"&gt;&lt;b&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;not advisable&lt;/span&gt;&lt;/b&gt;&lt;/span&gt;&lt;/i&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;&amp;nbsp;for the trustee to be the guardian at the same time. For if the left hand - the trustee - gives to the right hand - the guardian, who will ensure that all transactions are at arm's length; i.e. honest? A lawyer or the State (called Public Trustee) can act as trustee in the absence of a trustworthy relative or friend.&lt;/span&gt;&lt;/div&gt;&lt;div style="border-collapse: collapse; margin-bottom: 0px; margin-left: 0cm; margin-right: 0cm; margin-top: 0px;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;/div&gt;&lt;div style="border-collapse: collapse; margin-bottom: 0px; margin-left: 0cm; margin-right: 0cm; margin-top: 0px;"&gt;&lt;b&gt;&lt;span style="font-weight: bold;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;Provisions for the children.&lt;/span&gt;&lt;/span&gt;&lt;/b&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;&amp;nbsp;The hubby and I declared in our will that our children must reach the age of 25 before they can have complete control over inherited assets. We thought that age 25 is the right age when they hopefully will achieve financial maturity. Prior to age 25, the trustee shall issue payments for their maintenance.&lt;/span&gt;&lt;/div&gt;&lt;div style="border-collapse: collapse; margin-bottom: 0px; margin-left: 0cm; margin-right: 0cm; margin-top: 0px;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;/div&gt;&lt;div style="border-collapse: collapse; margin-bottom: 0px; margin-left: 0cm; margin-right: 0cm; margin-top: 0px;"&gt;&lt;b&gt;&lt;span style="font-weight: normal;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;Case 3:&amp;nbsp;&lt;/span&gt;&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;The whole family fails to survive.&amp;nbsp;&lt;/span&gt;&lt;/b&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;&amp;nbsp;Then you will need to specify provisions for other beneficiaries. You may nominate beneficiaries living overseas. You can allocate shares of your total assets to your surviving parents or siblings. You may want to "gift" $100,000 to your mother or father or other siblings, for example. These gifts will be awarded to them after the sale of your assets and payment of your debts.&lt;/span&gt;&lt;/div&gt;&lt;div style="border-collapse: collapse; margin-bottom: 0px; margin-left: 0cm; margin-right: 0cm; margin-top: 0px;"&gt;&lt;b&gt;&lt;span style="font-weight: bold;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;&lt;br /&gt;
&lt;/span&gt; &lt;/span&gt;&lt;/b&gt;&lt;/div&gt;&lt;div style="border-collapse: collapse; margin-bottom: 0px; margin-left: 0cm; margin-right: 0cm; margin-top: 0px;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;This is where the right level of &lt;/span&gt;&lt;a href="http://gloryboxtoo.blogspot.com/2010/06/im-just-saying-aka-as-of-life-and.html" rel="nofollow" style="color: blue; text-decoration: underline;" target="_blank"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;life insurance&lt;/span&gt;&lt;/a&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;&amp;nbsp;cover becomes essential. If you do not have sufficient cover, the proceeds from the sale of your assets may only be enough to pay off your bank debts; leaving your spouse, your children and other beneficiaries with&amp;nbsp;&lt;/span&gt;&lt;i&gt;&lt;span style="font-style: italic;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;nothing&lt;/span&gt;&lt;/span&gt;&lt;/i&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;. A will in such a situation isn't worth the paper it is printed on.&lt;/span&gt;&lt;/div&gt;&lt;div style="border-collapse: collapse; margin-bottom: 0px; margin-left: 0cm; margin-right: 0cm; margin-top: 0px;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;/div&gt;&lt;div style="border-collapse: collapse; margin-bottom: 0px; margin-left: 0cm; margin-right: 0cm; margin-top: 0px;"&gt;&lt;b&gt;&lt;span style="font-weight: bold;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;How to get started. &amp;nbsp;&lt;/span&gt;&lt;/span&gt;&lt;/b&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;In Australia, you can get a booklet for a do-it-yourself will from your post office for a small amount. This is usually sufficient for simple wills. However, when you own a few assets, or you have investments in shares or other instruments or if you have a business, I strongly suggest that you engage a lawyer instead. A lawyer can take you through all the legal issues, answer all your questions and give you peace of mind knowing that you are going about ensuring the future of your dependents in the best manner&amp;nbsp;possible. A fee of $200 to $300 is well worth it, I believe.&lt;/span&gt;&lt;/div&gt;&lt;div style="border-collapse: collapse; margin-bottom: 0px; margin-left: 0cm; margin-right: 0cm; margin-top: 0px;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;&lt;br /&gt;
&lt;/span&gt; &lt;/div&gt;&lt;div style="border-collapse: collapse; margin-bottom: 0px; margin-left: 0cm; margin-right: 0cm; margin-top: 0px;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;Saying this, even the best lawyer in the world cannot possibly draft a will that will cover every eventuality in your life. It is best to keep your will simple and just take comfort in the fact that a&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;&amp;nbsp;will can be changed any time. Who knows, you might win the Lotto or, God forbid, end up in divorce court. You might have a change of heart about your guardian or trustee. It&amp;nbsp;&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;is, therefore,&amp;nbsp;a worthwhile exercise to&amp;nbsp;&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;revisit your will&amp;nbsp;&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;every couple years or as your circumstances or the circumstances of the parties involved in your will change.&lt;/span&gt;&lt;/div&gt;&lt;div style="border-collapse: collapse; margin-bottom: 0px; margin-left: 0cm; margin-right: 0cm; margin-top: 0px;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;/div&gt;&lt;div style="border-collapse: collapse; margin-bottom: 0px; margin-left: 0cm; margin-right: 0cm; margin-top: 0px;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;So there you are folks, rather boring. But hey, it does feel good to get it out of the way.&amp;nbsp;&lt;/span&gt;&lt;i&gt;&lt;span style="font-style: italic;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;You can now rest in peace&lt;/span&gt;&lt;/span&gt;&lt;/i&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;!&lt;/span&gt;&lt;/div&gt;&lt;div style="border-collapse: collapse; margin-bottom: 0px; margin-left: 0cm; margin-right: 0cm; margin-top: 0px;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;/div&gt;&lt;div style="border-collapse: collapse; margin-bottom: 0px; margin-left: 0cm; margin-right: 0cm; margin-top: 0px;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;For the story about Life Insurance, here is the&amp;nbsp;&lt;/span&gt;&lt;a href="http://gloryboxtoo.blogspot.com/2010/06/im-just-saying-aka-as-of-life-and.html" rel="nofollow" style="color: blue; text-decoration: underline;" target="_blank"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;link&lt;/span&gt;&lt;/a&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;&amp;nbsp;again.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="font-family: 'Times New Roman'; font-size: small;"&gt;&lt;span style="font-size: 12pt;"&gt;&lt;br /&gt;
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&lt;a href="http://feedads.g.doubleclick.net/~a/OeZnhtGoB6zregabmLYFOuSKhWo/1/da"&gt;&lt;img src="http://feedads.g.doubleclick.net/~a/OeZnhtGoB6zregabmLYFOuSKhWo/1/di" border="0" ismap="true"&gt;&lt;/img&gt;&lt;/a&gt;&lt;/p&gt;&lt;img src="http://feeds.feedburner.com/~r/blogspot/YgbYB/~4/TYbFzfM9euk" height="1" width="1"/&gt;</content><link rel="replies" type="application/atom+xml" href="http://gloryboxtoo.blogspot.com/feeds/2150728718686967086/comments/default" title="Post Comments" /><link rel="replies" type="text/html" href="http://www.blogger.com/comment.g?blogID=5129401120615597269&amp;postID=2150728718686967086" title="1 Comments" /><link rel="edit" type="application/atom+xml" href="http://www.blogger.com/feeds/5129401120615597269/posts/default/2150728718686967086?v=2" /><link rel="self" type="application/atom+xml" href="http://www.blogger.com/feeds/5129401120615597269/posts/default/2150728718686967086?v=2" /><link rel="alternate" type="text/html" href="http://feedproxy.google.com/~r/blogspot/YgbYB/~3/TYbFzfM9euk/about-will-revealed_26.html" title="About a Will ... revealed!" /><author><name>stingfan</name><email>noreply@blogger.com</email><gd:image rel="http://schemas.google.com/g/2005#thumbnail" width="32" height="23" src="http://2.bp.blogspot.com/_5nSlJyn_Rx8/S7u5J2l1bfI/AAAAAAAAD3M/TNHNJkTbtlU/S220/crooked2.JPG" /></author><thr:total>1</thr:total><feedburner:origLink>http://gloryboxtoo.blogspot.com/2010/06/about-will-revealed_26.html</feedburner:origLink></entry><entry gd:etag="W/&quot;D08BQX86fip7ImA9WxFbEUs.&quot;"><id>tag:blogger.com,1999:blog-5129401120615597269.post-3119426862840431001</id><published>2010-06-14T21:05:00.006+10:00</published><updated>2010-07-04T00:04:10.116+10:00</updated><app:edited xmlns:app="http://www.w3.org/2007/app">2010-07-04T00:04:10.116+10:00</app:edited><category scheme="http://www.blogger.com/atom/ns#" term="Music" /><title>Pinoy Rock icon of the 90s</title><content type="html">&lt;object height="385" width="640"&gt;&lt;param name="movie" value="http://www.youtube.com/v/xvJ8HXcEDtA&amp;amp;hl=en_US&amp;amp;fs=1&amp;amp;"&gt;&lt;/param&gt;&lt;param name="allowFullScreen" value="true"&gt;&lt;/param&gt;&lt;param name="allowscriptaccess" value="always"&gt;&lt;/param&gt;&lt;embed src="http://www.youtube.com/v/xvJ8HXcEDtA&amp;amp;hl=en_US&amp;amp;fs=1&amp;amp;" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="480" height="289"&gt;&lt;/embed&gt;&lt;/object&gt;&lt;script type="text/javascript"&gt;
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&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;Remember &lt;b&gt;Wolfgang&lt;/b&gt;? &amp;nbsp;It's "Darkness Fell"&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;And so she woke up from a dream&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;That was beautiful and starry and oh so wild&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;It was all still clear in her eyes&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;And though her mind was foggy and blank&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;She wondered why&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;Her life couldn't be as lovely it was time&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;There was this king he had a castle or throne&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;But his horse was great and white&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;He rode alone and liked it that way&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;But when he met her he swore&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;He would never leave her side&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;They rode across the land two lovers hand in hand&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;And no danger would come near&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;And when something made her cry&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;She'd look at him teary eyed&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;And he would make her feel better&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;So much better so much better than before&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;And now this forest was his home&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;It was a night time and the right time for love in the dark&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;She placed her hand upon her chest&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;And all the rest just flowed&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;Makin' love down under an ancient far away night&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;It was so grand just holding someone's hand&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;And now safety came naturally&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;It was so clear that she would never have to fear&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;Oh tell me a story of magic and spiralling ships&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;And the stars in the night&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;Just whisper in my ears make it soft make it clear&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;I want to hear every breath you say&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;She placed her hand upon her breast&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;But she woke up from the land tears falling in her hands&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;As she looked up asking why&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;She laid back in her bed thoughts rising in her head&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;Why can't my life be beautiful she said&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;As she closed her eyes again&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;Just prayin' he'd return&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"&gt;But only darkness fell&amp;nbsp;&lt;/span&gt;&lt;/div&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/5129401120615597269-3119426862840431001?l=gloryboxtoo.blogspot.com' alt='' /&gt;&lt;/div&gt;
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&lt;a href="http://feedads.g.doubleclick.net/~a/zcYVuPTTXoaNPwfn035vi8WmRG0/1/da"&gt;&lt;img src="http://feedads.g.doubleclick.net/~a/zcYVuPTTXoaNPwfn035vi8WmRG0/1/di" border="0" ismap="true"&gt;&lt;/img&gt;&lt;/a&gt;&lt;/p&gt;&lt;img src="http://feeds.feedburner.com/~r/blogspot/YgbYB/~4/138rBCIrhOg" height="1" width="1"/&gt;</content><link rel="replies" type="application/atom+xml" href="http://gloryboxtoo.blogspot.com/feeds/3119426862840431001/comments/default" title="Post Comments" /><link rel="replies" type="text/html" href="http://www.blogger.com/comment.g?blogID=5129401120615597269&amp;postID=3119426862840431001" title="0 Comments" /><link rel="edit" type="application/atom+xml" href="http://www.blogger.com/feeds/5129401120615597269/posts/default/3119426862840431001?v=2" /><link rel="self" type="application/atom+xml" href="http://www.blogger.com/feeds/5129401120615597269/posts/default/3119426862840431001?v=2" /><link rel="alternate" type="text/html" href="http://feedproxy.google.com/~r/blogspot/YgbYB/~3/138rBCIrhOg/var-gajshost-https-document.html" title="Pinoy Rock icon of the 90s" /><author><name>stingfan</name><email>noreply@blogger.com</email><gd:image rel="http://schemas.google.com/g/2005#thumbnail" width="32" height="23" src="http://2.bp.blogspot.com/_5nSlJyn_Rx8/S7u5J2l1bfI/AAAAAAAAD3M/TNHNJkTbtlU/S220/crooked2.JPG" /></author><thr:total>0</thr:total><feedburner:origLink>http://gloryboxtoo.blogspot.com/2010/06/var-gajshost-https-document.html</feedburner:origLink></entry><entry gd:etag="W/&quot;Dk4HRXc7fyp7ImA9Wx5TEE8.&quot;"><id>tag:blogger.com,1999:blog-5129401120615597269.post-8582641341697760194</id><published>2010-06-06T00:26:00.030+10:00</published><updated>2010-07-25T12:28:54.907+10:00</updated><app:edited xmlns:app="http://www.w3.org/2007/app">2010-07-25T12:28:54.907+10:00</app:edited><category scheme="http://www.blogger.com/atom/ns#" term="Personal Finance" /><title>I'm just saying ... (aka 'Of Life and Insurance')</title><content type="html">&lt;i&gt;&lt;span class="Apple-style-span" style="font-size: small;"&gt;Disclaimer: This is by no means a financial advise. This is just me talking to the wall ...&lt;/span&gt;&lt;/i&gt;&lt;script type="text/javascript"&gt;
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&lt;div&gt;&lt;span class="Apple-style-span" style="font-size: small;"&gt;&lt;i&gt;&lt;br /&gt;
&lt;/i&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;And so I came out of my visit from my doctor feeling quite relieved. &amp;nbsp;The scary word that was dangled about was most assuredly ruled out. &amp;nbsp;I am generally OK. &amp;nbsp;But this is not about my condition. &amp;nbsp;This is about the people I most care about in my life. &amp;nbsp;&lt;i&gt;It is about protecting them&lt;/i&gt;. &amp;nbsp;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;A couple of years ago, soon after we purchased our new home, the hubby and I decided to get serious with our insurance. &amp;nbsp;In Australia, anyone who is employed gets automatic insurance within their superannuation. &amp;nbsp;But the sum insured is, let's be honest, quite paltry. &amp;nbsp;A financial adviser gave us free advise - we should get cover that will pay off the mortgage and some.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;&lt;b&gt;1) Life Insurance and Total Permanent Disability, uncovered&lt;/b&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;The rule of thumb in determining one's insurance is the size of one's mortgage times two. &amp;nbsp;The magic figure for us is $1M. &amp;nbsp;Yes, make your spouse a millionaire! &amp;nbsp;And why not? &amp;nbsp;Let me explain why. &amp;nbsp;The money must be enough to pay off your mortgage, and give your spouse the ability to choose to stop working for as long as required to grieve, support the children, and deal with your departure. &amp;nbsp;Imagine how life changing that will be! &amp;nbsp;I can't even begin to imagine the pain and loneliness ...&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;But the premium payments for a $1M insurance is hefty, I hear you groan. Well, I have good news for you. &amp;nbsp;You don't even get to see your premium payments if you take insurance within your superannuation! &amp;nbsp;Yes, all you have to do is &lt;b&gt;increase &lt;/b&gt;your cover within your super. Not only will you get a cheaper premium (your employer will normally have pre-arranged volume discounts), you never even get to see your repayments (fees) as these are all deducted from the cash component of your super assets. &amp;nbsp;Hah, you even pay with your before tax income (the 9% employer guarantee is taxed less). Oh, you ask, wouldn't that reduce my super asset base? &amp;nbsp;Of course it will. But let's be honest. Or let me be honest. My super balance is quite pathetic. Not only did I start my working life in Australia very late (I lost 10 years of my working life, having migrated when I was already 30 years old), but the global financial crisis almost halved whatever small amount I have. Truthfully, I do not look at my super as my nest egg. After all, the government can change super laws any time. You will be better off using other investing vehicles such as shares and property. (&lt;i&gt;Which is by the way, another blog&lt;/i&gt;.)&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;So, my life insurance is now $1M within my superannuation. &amp;nbsp;My insurance provider only asked me to provide a more exhaustive medical report to assure them that I do not fall off the perch anytime soon. &amp;nbsp;Next important is Total and Permanent Disability. &amp;nbsp;TPD means that you get very sick, and your disability is permanent that it is unlikely that you will be able to go back to work. &amp;nbsp;So insure for a similar amount - $1M. &amp;nbsp;After all, your spouse could become your full-time carer for a certain period. &amp;nbsp;You need to have income flowing in.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;Life and TPD ... increasing your cover is easy but requires some documentation and follow-up. &amp;nbsp;If you care, you will breeze through these ...&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;&lt;b&gt;2) Income Protection Insurance&lt;/b&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;This type of protection is for temporary sickness. It does not cover the event of losing one's job unfortunately. The product disclosures are daunting. Nevertheless, read it. Place it on your bedside table ... there's no excuse for negligence! Once again, get income protection within super. Premiums are lower and you don't contribute a cent of your after-tax income.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;There are waiting periods of 30, 60 and 90 days. If you have some savings, then you may opt for either 60 or 90 days. &amp;nbsp;Insurance payment periods are generally 2 years, 5 years or to age 65. If you can afford it, aim for 5 years or to age 65. &amp;nbsp;I don't believe there is such a thing as too much insurance.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;So there you are, dear friends. I hope I have empowered you to act NOW. Or it will be too late ...&lt;br /&gt;
&lt;br /&gt;
One important postscript. You need to update your superannuation beneficiaries every three years. &amp;nbsp;A lot of people either miss this or are not aware that&lt;i&gt; beneficiaries become nil until you advise your super provider otherwise every three years&lt;/i&gt;! &amp;nbsp;Do yourself a favour, login to your super account and make sure that your list of beneficiaries is up to date and listed correctly!&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;Next blog ... Making a &lt;a href="http://gloryboxtoo.blogspot.com/2010/06/about-will-revealed_26.html"&gt;will&lt;/a&gt; is essential!&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
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&lt;br /&gt;
&lt;span class="Apple-style-span"&gt;&lt;span class="Apple-style-span"&gt;&lt;span class="Apple-style-span" style="font-family: inherit;"&gt;Under the ruins of a walled city&lt;br /&gt;
Crumbling towers and beams of yellow light&lt;br /&gt;
No flags of truce, no cries of pity&lt;br /&gt;
The siege guns had been pounding all through the night&lt;br /&gt;
It took a day to build the city&lt;br /&gt;
We walked through its streets in the afternoon&lt;br /&gt;
As I returned across the lands I'd known&lt;br /&gt;
I recognized the fields where I'd once played&lt;br /&gt;
I had to stop in my tracks for fear&lt;br /&gt;
Of walking on the mines I'd laid&lt;br /&gt;
&lt;br /&gt;
&lt;i&gt;And if I built this fortress around your heart&lt;br /&gt;
Encircled you in trenches and barbed wire&lt;br /&gt;
Then let me build a bridge&lt;br /&gt;
For I cannot fill the chasm&lt;br /&gt;
And let me set the battlements on fire&lt;/i&gt;&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;
&lt;span class="Apple-style-span"&gt;&lt;span class="Apple-style-span"&gt;&lt;span class="Apple-style-span" style="font-family: inherit;"&gt;&lt;i&gt;&lt;br /&gt;
&lt;/i&gt; Then I went off to fight some battle&lt;br /&gt;
That I'd invented inside my head&lt;br /&gt;
Away so long for years and years&lt;br /&gt;
You probably thought or even wished that I was dead&lt;br /&gt;
While the armies are all sleeping&lt;br /&gt;
Beneath the tattered flag we'd made&lt;br /&gt;
I had to stop in my track for fear&lt;br /&gt;
Of walking on the mines I'd laid&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;span class="Apple-style-span" style="font-family: Verdana, Arial; font-size: 13px;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"&gt;&lt;i&gt;&lt;b&gt;&lt;span class="Apple-style-span" style="font-size: medium;"&gt;- Sting&lt;/span&gt;&lt;/b&gt;&lt;/i&gt;&lt;/span&gt;&lt;br /&gt;
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&lt;a href="http://feedads.g.doubleclick.net/~a/WX5RL4_fnpzV09IWny7T0zJW8Ho/1/da"&gt;&lt;img src="http://feedads.g.doubleclick.net/~a/WX5RL4_fnpzV09IWny7T0zJW8Ho/1/di" border="0" ismap="true"&gt;&lt;/img&gt;&lt;/a&gt;&lt;/p&gt;&lt;img src="http://feeds.feedburner.com/~r/blogspot/YgbYB/~4/aiicHFEUSF8" height="1" width="1"/&gt;</content><link rel="replies" type="application/atom+xml" href="http://gloryboxtoo.blogspot.com/feeds/842940961413080266/comments/default" title="Post Comments" /><link rel="replies" type="text/html" href="http://www.blogger.com/comment.g?blogID=5129401120615597269&amp;postID=842940961413080266" title="0 Comments" /><link rel="edit" type="application/atom+xml" href="http://www.blogger.com/feeds/5129401120615597269/posts/default/842940961413080266?v=2" /><link rel="self" type="application/atom+xml" href="http://www.blogger.com/feeds/5129401120615597269/posts/default/842940961413080266?v=2" /><link rel="alternate" type="text/html" href="http://feedproxy.google.com/~r/blogspot/YgbYB/~3/aiicHFEUSF8/fortress-around-your-heart.html" title="Fortress Around Your Heart" /><author><name>stingfan</name><email>noreply@blogger.com</email><gd:image rel="http://schemas.google.com/g/2005#thumbnail" width="32" height="23" src="http://2.bp.blogspot.com/_5nSlJyn_Rx8/S7u5J2l1bfI/AAAAAAAAD3M/TNHNJkTbtlU/S220/crooked2.JPG" /></author><thr:total>0</thr:total><feedburner:origLink>http://gloryboxtoo.blogspot.com/2010/04/fortress-around-your-heart.html</feedburner:origLink></entry><entry gd:etag="W/&quot;Dk4DRno9eSp7ImA9Wx5TEE8.&quot;"><id>tag:blogger.com,1999:blog-5129401120615597269.post-8393020432577306628</id><published>2010-04-05T00:20:00.072+10:00</published><updated>2010-07-25T12:29:37.461+10:00</updated><app:edited xmlns:app="http://www.w3.org/2007/app">2010-07-25T12:29:37.461+10:00</app:edited><category scheme="http://www.blogger.com/atom/ns#" term="Melbourne" /><category scheme="http://www.blogger.com/atom/ns#" term="Canberra" /><category scheme="http://www.blogger.com/atom/ns#" term="Holidays" /><category scheme="http://www.blogger.com/atom/ns#" term="Formula One" /><title>Roadtrip 2010: Melbourne and Canberra in 5 days</title><content type="html">We did it again! Another holiday that was packed and exhausting. I got sick when we came home.&lt;br /&gt;
&lt;br /&gt;
This road trip was all about experiencing the annual Melbourne leg of the &lt;a href="http://www.formula1.com/"&gt;Formula One&amp;nbsp;Grand&amp;nbsp;Prix&lt;/a&gt;. The hubby is a huge fan. His brother who is visiting from the Philippines turned out to be a follower too. And so we loaded our bags and ourselves into the &lt;a href="http://www.newcars2u.com.au/images/Toyota%20Kluger.jpg"&gt;Kluger&lt;/a&gt;&amp;nbsp;- myself, the hubby, the sister-in-law, the brother-in-law and my two boys. (&lt;i&gt;Sidebar&lt;/i&gt;: You cannot have six passengers in a Toyota Kluger and expect enough room for an &lt;a href="http://www.ingrids-welt.de/reise/aus/bilder2/esky.gif"&gt;Esky&lt;/a&gt;. You will have to leave some non-essentials such as camp chairs behind.)&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;Anatomy of a Fast-paced Holiday&lt;/b&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;a href="http://3.bp.blogspot.com/_5nSlJyn_Rx8/S7iflKfMWxI/AAAAAAAADqc/AhuflCyYrHE/s1600/IMG_0273.JPG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"&gt;&lt;img border="0" height="240" src="http://3.bp.blogspot.com/_5nSlJyn_Rx8/S7iflKfMWxI/AAAAAAAADqc/AhuflCyYrHE/s320/IMG_0273.JPG" width="320" /&gt;&lt;/a&gt;&lt;u&gt;Day 1: Friday on the move&lt;/u&gt;&lt;br /&gt;
Spent 10 hours on the road with a 5:30 am start. Lots of toilet and food stops along the way. We missed the lunch stop at Albury, the border town between New South Wales and Victoria. Fortunately, I packed peanut butter sandwiches. We found a picnic spot at a sleepy town called Chiltern (see photo above).&lt;br /&gt;
&lt;br /&gt;
We arrived in Melbourne at 5:30 pm. I immediately loved the city with its art-filled laneways and quaint little shops and cafes. Our hotel, &lt;a href="http://www.tripadvisor.com/Hotel_Review-g255100-d256829-Reviews-Grand_Mercure_Flinders_Lane_Apartments-Melbourne_Victoria.html"&gt;Accor's Mercure&lt;/a&gt;, was in the CBD. Restaurants dotted the streets and all amenities were a stone's throw away. Adobo, our packed comfort food,&amp;nbsp;always tastes good when one is too beat to think where or what to eat!&lt;br /&gt;
&lt;br /&gt;
&lt;div class="separator" style="clear: both; text-align: center;"&gt;&lt;/div&gt;&lt;div class="separator" style="clear: both; text-align: center;"&gt;&lt;a href="http://4.bp.blogspot.com/_5nSlJyn_Rx8/S7nCMIiA6-I/AAAAAAAADxw/e-Z1oOiDjrA/s1600/IMG_4017.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"&gt;&lt;img border="0" height="150" src="http://4.bp.blogspot.com/_5nSlJyn_Rx8/S7nCMIiA6-I/AAAAAAAADxw/e-Z1oOiDjrA/s200/IMG_4017.JPG" width="200" /&gt;&lt;/a&gt;&lt;a href="http://4.bp.blogspot.com/_5nSlJyn_Rx8/S7nCEQ9rSzI/AAAAAAAADxo/LMxAF2z9J7c/s1600/IMG_3884.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"&gt;&lt;img border="0" height="150" src="http://4.bp.blogspot.com/_5nSlJyn_Rx8/S7nCEQ9rSzI/AAAAAAAADxo/LMxAF2z9J7c/s200/IMG_3884.JPG" width="200" /&gt;&lt;/a&gt;&lt;/div&gt;&lt;br /&gt;
&lt;u&gt;Day 2: Saturday at Albert Park&lt;/u&gt;&lt;br /&gt;
Excitement mounted when we arrived at the Grand Prix&amp;nbsp;gate. The hubby uncharacteristically blurted out, "I am so excited!" &amp;nbsp;The sound of Formula One cars gunning around the circuit during practice proved too much for Migo's&amp;nbsp;sensitive ears. We decided to &lt;span class="goog-spellcheck-word"&gt;watch&lt;/span&gt; qualifying from the big screen instead.&lt;br /&gt;
&lt;br /&gt;
Below are sight and sounds of an F1 experience: girls, RAAF Roulettes and lots of fast cars! &lt;br /&gt;
&lt;br /&gt;
&lt;div class="separator" style="clear: both; text-align: center;"&gt;&lt;/div&gt;&lt;div class="separator" style="clear: both; text-align: center;"&gt;&lt;a href="http://3.bp.blogspot.com/_5nSlJyn_Rx8/S7nBY_x8HuI/AAAAAAAADxI/jnvuRwkUZDY/s1600/IMG_3923.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"&gt;&lt;img border="0" height="150" src="http://3.bp.blogspot.com/_5nSlJyn_Rx8/S7nBY_x8HuI/AAAAAAAADxI/jnvuRwkUZDY/s200/IMG_3923.JPG" width="200" /&gt;&lt;/a&gt;&lt;a href="http://3.bp.blogspot.com/_5nSlJyn_Rx8/S7nBgYmiDxI/AAAAAAAADxY/m7gCb9iM7ts/s1600/IMG_3958.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"&gt;&lt;img border="0" height="150" src="http://3.bp.blogspot.com/_5nSlJyn_Rx8/S7nBgYmiDxI/AAAAAAAADxY/m7gCb9iM7ts/s200/IMG_3958.JPG" width="200" /&gt;&lt;/a&gt;&lt;/div&gt;&lt;br /&gt;
&lt;u&gt;Day 3: Sunday at Albert Park&lt;/u&gt;&lt;br /&gt;
The cars went by in a blur and the engines were definitely deafening. &lt;i&gt;Ear plugs are a must! &lt;/i&gt;The entire place was in a frenzy, the atmosphere electric. You don't really see or hear&amp;nbsp;&lt;i&gt;anything &lt;/i&gt;during the race, except for the "wheeee" of the cars. Watching the race on TV with the replays is more comfortable and entertaining. &amp;nbsp;However, live action is so much more gratifying &lt;i&gt;or &lt;/i&gt;&lt;i&gt;so I rationalise&lt;/i&gt;.&lt;br /&gt;
&lt;div class="separator" style="clear: both; text-align: center;"&gt;&lt;br /&gt;
&lt;/div&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; white-space: pre;"&gt;&lt;object height="385" width="480"&gt;&lt;param name="movie" value="http://www.youtube.com/v/yDQLdEc9OFo&amp;amp;hl=en_US&amp;amp;fs=1&amp;amp;"&gt;&lt;/param&gt;&lt;param name="allowFullScreen" value="true"&gt;&lt;/param&gt;&lt;param name="allowscriptaccess" value="always"&gt;&lt;/param&gt;&lt;embed src="http://www.youtube.com/v/yDQLdEc9OFo&amp;amp;hl=en_US&amp;amp;fs=1&amp;amp;" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="480" height="385"&gt;&lt;/embed&gt;&lt;/object&gt;&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: small;"&gt;&lt;span class="Apple-style-span" style="font-size: 12px; white-space: pre;"&gt;&lt;span class="Apple-style-span" style="font-family: Times;"&gt;&lt;span class="Apple-style-span" style="font-size: medium; white-space: normal;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: small;"&gt;&lt;span class="Apple-style-span" style="font-size: 12px; white-space: pre;"&gt;&lt;span class="Apple-style-span" style="font-family: Times; font-size: medium; white-space: normal;"&gt;&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;
&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: small;"&gt;&lt;span class="Apple-style-span" style="font-size: 12px; white-space: pre;"&gt;&lt;span class="Apple-style-span" style="font-family: Times;"&gt;&lt;span class="Apple-style-span" style="font-size: medium; white-space: normal;"&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: small;"&gt;&lt;span class="Apple-style-span" style="font-size: 12px; white-space: pre;"&gt;&lt;span class="Apple-style-span" style="font-family: Times; font-size: medium; white-space: normal;"&gt;&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;u&gt;Day 4: The drive to Canberra&lt;/u&gt; &lt;br /&gt;
A non-event. We stayed at Best Western Parklands in a three bedroom unit.&lt;br /&gt;
&lt;br /&gt;
&lt;u&gt;&lt;span class="Apple-style-span" style="text-decoration: none;"&gt;Day 5: A side trip to Paris&lt;/span&gt;&lt;/u&gt;&lt;br /&gt;
And for an experience diametrically opposite the Grand Prix, we stopped by the National Art Gallery in Canberra to see &lt;a href="http://nga.gov.au/Exhibition/MASTERPIECESfromPARIS/"&gt;Masterpieces from Paris&lt;/a&gt;. A once in a lifetime event that brought paintings from the&amp;nbsp;&lt;a href="http://www.musee-orsay.fr/en/home.html"&gt;Musee D'Orsay&lt;/a&gt; to our neck of the woods.&lt;br /&gt;
&lt;div style="margin: 0px;"&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div style="margin: 0px;"&gt;&lt;div class="separator" style="clear: both; text-align: center;"&gt;&lt;a href="http://4.bp.blogspot.com/_5nSlJyn_Rx8/S7nAAdILhII/AAAAAAAADwI/IcsB9t6wu4k/s1600/masterpieces.JPG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"&gt;&lt;img border="0" height="200" src="http://4.bp.blogspot.com/_5nSlJyn_Rx8/S7nAAdILhII/AAAAAAAADwI/IcsB9t6wu4k/s200/masterpieces.JPG" width="150" /&gt;&lt;/a&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="margin: 0px;"&gt;&lt;a href="http://3.bp.blogspot.com/_5nSlJyn_Rx8/S7m_tGCz4cI/AAAAAAAADv4/6fnFZYviGNQ/s1600/the+queue.JPG" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"&gt;&lt;img border="0" height="150" src="http://3.bp.blogspot.com/_5nSlJyn_Rx8/S7m_tGCz4cI/AAAAAAAADv4/6fnFZYviGNQ/s200/the+queue.JPG" width="200" /&gt;&lt;/a&gt;The snaking queue in heavy downpour. These folks are utterly adamant!&lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;
Oh did i mention that we waited for 1.5 hours to get inside the  exhibition rooms?&amp;nbsp; Getting wet in the rain was a small price to pay. That makes us as stubborn as the rest of 'em! &lt;/div&gt;&lt;div class="separator" style="clear: both; text-align: center;"&gt;&lt;/div&gt;&lt;div class="separator" style="clear: both; text-align: center;"&gt;&lt;/div&gt;&lt;div class="separator" style="clear: both; text-align: center;"&gt;&lt;a href="http://1.bp.blogspot.com/_5nSlJyn_Rx8/S7iel1q_4fI/AAAAAAAADqU/_6Jed1o-Fyc/s1600/191270.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"&gt;&lt;img border="0" height="313" src="http://1.bp.blogspot.com/_5nSlJyn_Rx8/S7iel1q_4fI/AAAAAAAADqU/_6Jed1o-Fyc/s400/191270.jpg" width="400" /&gt;&lt;/a&gt;&lt;/div&gt;&lt;br /&gt;
I must admit my heart skipped a beat when I saw Vincent van Gogh's '&lt;a href="http://nga.gov.au/Exhibition/MASTERPIECESfromPARIS/Default.cfm?IRN=191270&amp;amp;MnuID=3&amp;amp;ViewID=2"&gt;Starry Night&lt;/a&gt;' masterpiece. I heard Don McLean's song "Vincent" in my head ... &amp;nbsp;"&lt;i&gt;Starry starry night&lt;/i&gt;&lt;i&gt;. Paint your palette blue and gray ...&lt;/i&gt;"&lt;br /&gt;
&lt;br /&gt;
You must click &lt;a href="http://nga.gov.au/Exhibition/MASTERPIECESfromPARIS/Default.cfm?IRN=191270&amp;amp;MnuID=3&amp;amp;ViewID=2"&gt;here&lt;/a&gt; for a complete audio description of this joyous painting!&lt;br /&gt;
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&lt;a href="http://feedads.g.doubleclick.net/~a/ZApzB8qrFryXWXXuS6_N-ycpcLo/1/da"&gt;&lt;img src="http://feedads.g.doubleclick.net/~a/ZApzB8qrFryXWXXuS6_N-ycpcLo/1/di" border="0" ismap="true"&gt;&lt;/img&gt;&lt;/a&gt;&lt;/p&gt;&lt;img src="http://feeds.feedburner.com/~r/blogspot/YgbYB/~4/JnV2F6Qai9k" height="1" width="1"/&gt;</content><link rel="replies" type="application/atom+xml" href="http://gloryboxtoo.blogspot.com/feeds/1650085575683075825/comments/default" title="Post Comments" /><link rel="replies" type="text/html" href="http://www.blogger.com/comment.g?blogID=5129401120615597269&amp;postID=1650085575683075825" title="0 Comments" /><link rel="edit" type="application/atom+xml" href="http://www.blogger.com/feeds/5129401120615597269/posts/default/1650085575683075825?v=2" /><link rel="self" type="application/atom+xml" href="http://www.blogger.com/feeds/5129401120615597269/posts/default/1650085575683075825?v=2" /><link rel="alternate" type="text/html" href="http://feedproxy.google.com/~r/blogspot/YgbYB/~3/JnV2F6Qai9k/tripping-best-violin-riff-in-pop-rock.html" title="Tripping:  The best violin riff in a pop rock song ... Enjoy!" /><author><name>stingfan</name><email>noreply@blogger.com</email><gd:image rel="http://schemas.google.com/g/2005#thumbnail" width="32" height="23" src="http://2.bp.blogspot.com/_5nSlJyn_Rx8/S7u5J2l1bfI/AAAAAAAAD3M/TNHNJkTbtlU/S220/crooked2.JPG" /></author><thr:total>0</thr:total><feedburner:origLink>http://gloryboxtoo.blogspot.com/2010/03/tripping-best-violin-riff-in-pop-rock.html</feedburner:origLink></entry><entry gd:etag="W/&quot;C0YDR308cCp7ImA9WxFUE0U.&quot;"><id>tag:blogger.com,1999:blog-5129401120615597269.post-831411357123747897</id><published>2010-03-07T21:23:00.005+11:00</published><updated>2010-06-24T22:06:16.378+10:00</updated><app:edited xmlns:app="http://www.w3.org/2007/app">2010-06-24T22:06:16.378+10:00</app:edited><category scheme="http://www.blogger.com/atom/ns#" term="Life at 40" /><title>The Joys of Solitude ... it's not for everyone.</title><content type="html">I share a magazine article lifted from SMH's Spectrum. &amp;nbsp;It is about solitude. &amp;nbsp;I love this article because it describes my husband's nature so aptly! &amp;nbsp;I can see clearly our future, our retirement. &amp;nbsp;He reading a book, and I reading my book at both ends of a comfortable couch. &amp;nbsp;Our silences will not be pregnant; they will not be heavy. &amp;nbsp;Our silences will be comfortable and harmonious ... Oh wait, there will be beautiful music of Vivaldi's violin strings playing in the background.&lt;br /&gt;
&lt;br /&gt;
I can't wait!&lt;br /&gt;
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&lt;a href="http://newsstore.fairfax.com.au/apps/viewDocument.ac;jsessionid=BF733C0E8AFFD707E53A6AE15990F415?sy=nstore&amp;amp;pb=all_ffx&amp;amp;dt=selectRange&amp;amp;dr=1month&amp;amp;so=relevance&amp;amp;sf=text&amp;amp;sf=headline&amp;amp;rc=10&amp;amp;rm=200&amp;amp;sp=brs&amp;amp;cls=18856&amp;amp;clsPage=1&amp;amp;docID=SMH1002202B43126CTEE"&gt;One's company, two's a crowd&lt;/a&gt;&lt;br /&gt;
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&lt;tr&gt;&lt;td style="font-family: arial,helvetica,sans-serif; font-size: 12px;" valign="top"&gt;&lt;h2 style="font-family: arial,helvetica,sans-serif; font-size-adjust: none; font-size: 22px; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: bold; line-height: normal; margin: 0px;"&gt;One's company, two's a crowd&lt;/h2&gt;&lt;table cellpadding="0"&gt;&lt;tbody&gt;
&lt;tr class="grey" style="color: #555555;" valign="top"&gt;&lt;td style="font-family: arial,helvetica,sans-serif; font-size: 12px;"&gt;Author: Phil Daoust&lt;br /&gt;
Date: 20/02/2010&lt;br /&gt;
Words: 2418&lt;br /&gt;
Source: SMH&lt;/td&gt;&lt;td style="font-family: arial,helvetica,sans-serif; font-size: 12px;"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&lt;/td&gt;&lt;td style="border-right: 1px solid rgb(204, 204, 204); font-family: arial,helvetica,sans-serif; font-size: 12px;"&gt;&lt;/td&gt;&lt;td style="font-family: arial,helvetica,sans-serif; font-size: 12px;"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&lt;/td&gt;&lt;td style="font-family: arial,helvetica,sans-serif; font-size: 12px;"&gt;Publication: Sydney Morning Herald&lt;br /&gt;
Section: Spectrum&lt;br /&gt;
Page: 12&lt;/td&gt;&lt;/tr&gt;
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&lt;div style="margin: 0px;"&gt;&lt;span class="Apple-style-span" style="font-size: small;"&gt;There's no idle chatter, no white noise and no need to get out of your pyjamas. Phil Daoust extols the virtues of seclusion.&lt;/span&gt;&lt;/div&gt;&lt;div style="font-family: arial,helvetica,sans-serif; margin: 15px 0px;"&gt;&lt;div style="margin: 0px;"&gt;&lt;span class="Apple-style-span" style="font-size: small;"&gt;YOU don't get many casual visitors where I live. Home is down a dirt track, three kilometres from the nearest village. The neighbours are five minutes' walk away, and when the woods are in leaf you can't see another building. By day you may hear a chainsaw in the distance; by night only the deer barking. I'm on my own here, if you don't count the cat, and right now it's a week since I saw another human.&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="font-family: arial,helvetica,sans-serif; margin: 15px 0px;"&gt;&lt;div style="margin: 0px;"&gt;&lt;span class="Apple-style-span" style="font-size: small;"&gt;But it's a beautiful spot, in a lovely bit of France, and every now and again a rambler will find his way to it. If I'm outside, and don't have time to hide, his first remark will usually be: "This is a little bit of heaven."&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="font-family: arial,helvetica,sans-serif; margin: 15px 0px;"&gt;&lt;div style="margin: 0px;"&gt;&lt;span class="Apple-style-span" style="font-size: small;"&gt;I'll feel a little bashful, as if I somehow shaped this world with my own talented hands, and then he'll say: "Mind you, I could never live here."&lt;/span&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style="font-family: arial,helvetica,sans-serif; margin: 15px 0px;"&gt;&lt;/div&gt;&lt;a name='more'&gt;&lt;/a&gt;&lt;span class="Apple-style-span" style="font-size: small;"&gt;After seven years of this, I no longer ask why. Most people, it is clear, are happy to spend a few hours far from the crowds but the thought of days or weeks like this fills them with dread. They'd be afraid, they say. They wouldn't be able to sleep. Most of all, they'd be lonely.&lt;/span&gt;&lt;br /&gt;
&lt;div style="font-family: arial,helvetica,sans-serif; margin: 15px 0px;"&gt;&lt;span class="Apple-style-span" style="font-size: small;"&gt;Now, I'm not an anchorite. I do have a car, a landline, an internet connection. Neighbours come for dinner, my daughter visits for long weekends, and in school holidays friends arrive with their children. But when I explain this, it doesn't cut any ice. Poor sod, I see people thinking. He lives on his own. In this emptiness!&lt;/span&gt;&lt;/div&gt;&lt;div style="font-family: arial,helvetica,sans-serif; margin: 15px 0px;"&gt;&lt;span class="Apple-style-span" style="font-size: small;"&gt;You know what, though? It can be marvellous. For some of us, as Anneli Rufus puts it, solitude is "just what we need, the way tuna need the sea. Here we are, not sad, not lonely, having the time of our lives."&lt;/span&gt;&lt;/div&gt;&lt;div style="font-family: arial,helvetica,sans-serif; margin: 15px 0px;"&gt;&lt;span class="Apple-style-span" style="font-size: small;"&gt;You haven't heard of Rufus? She's the American author of Party of One: The Loners' Manifesto, a fierce defence of all us misunderstood and misrepresented independent spirits. Being alone, she says, "feels calming to me, and invigorating, and most of all normal".&lt;/span&gt;&lt;/div&gt;&lt;div style="font-family: arial,helvetica,sans-serif; margin: 15px 0px;"&gt;&lt;span class="Apple-style-span" style="font-size: small;"&gt;What's so great about the life less shared? Let's start with a trivial example. I'm writing this article in my pyjamas, though it's late afternoon. I've brushed my teeth and shuffled into some slippers but I haven't washed or broken out the deodorant. If I shared my home with someone, I'd be dressed by now - not because I wanted to but because it would be expected. If a stranger were to knock at the door, I'd probably feel obliged to make up some lie about being ill. That may seem like a petty hardship - it is a petty hardship - but so long as no one else suffers there's a lot to be said for doing precisely what you want, when you want, how you want.&lt;/span&gt;&lt;/div&gt;&lt;div style="font-family: arial,helvetica,sans-serif; margin: 15px 0px;"&gt;&lt;span class="Apple-style-span" style="font-size: small;"&gt;Richard Byrd would back me up on that. In 1934, the great explorer spent five months alone in a hut in Antarctica, manning the southernmost outpost of an American expedition. His wife and four children were in the US; the nearest human was 200 kilometres away. After a few months of splendid isolation, Byrd felt able to draw some conclusions. "Solitude is an excellent laboratory in which to observe the extent to which manners and habits are conditioned by others," he wrote in his bestselling book Alone. "My table manners are atrocious - in this respect I've slipped back hundreds of years; in fact, I have no manners whatsoever. If I feel like it, I eat with my fingers, or out of a can, or standing up - in other words, whichever is easiest. What's left over, I just heave into the slop pail, close to my feet."&lt;/span&gt;&lt;/div&gt;&lt;div style="font-family: arial,helvetica,sans-serif; margin: 15px 0px;"&gt;&lt;span class="Apple-style-span" style="font-size: small;"&gt;Is there anyone who lives on their own, with a sink full of dirty crockery, who can't relate to that?&lt;/span&gt;&lt;/div&gt;&lt;div style="font-family: arial,helvetica,sans-serif; margin: 15px 0px;"&gt;&lt;span class="Apple-style-span" style="font-size: small;"&gt;Then there's the quiet. I moved from Britain to France to be nearer my daughter, who was growing up here with my ex. But if I ended up in such seclusion, it wasn't because I was a stupid foreigner leaping on the first shack the estate agent suggested. We loners are driven to escape the empty chatter that fills most lives. We may occasionally catch ourselves talking to our pets, or muttering when we can't do the crossword, but we don't want endless conversations about the price of Friskies or how we thought it was going to be nice but actually it turned out a bit cloudy. We may not get around to thinking deep thoughts, plumbing the depths of our souls, getting in touch with our muses, but that will be down to indolence or insensitivity, not to the white noise that fills more sociable heads.&lt;/span&gt;&lt;/div&gt;&lt;div style="font-family: arial,helvetica,sans-serif; margin: 15px 0px;"&gt;&lt;span class="Apple-style-span" style="font-size: small;"&gt;And every now and again, one of us does get around to producing that great work, like Sara Maitland with A Book of Silence. Divorced, her two children long since grown up and gone, she lives on a Scottish moor with a little dog called Zoe. Her neighbours are barn owls. She has no TV, radio, hi-fi or mobile phone and tries to limit all social activities to six days a month. I attempted to have a chat with her, but - unsurprisingly - she never replied to my emails.&lt;/span&gt;&lt;/div&gt;&lt;div style="font-family: arial,helvetica,sans-serif; margin: 15px 0px;"&gt;&lt;span class="Apple-style-span" style="font-size: small;"&gt;Maitland's book, however, explains how she, a deeply committed Christian, spends three hours a day praying. She has fallen in love with silence. It "can be calm or frightening, lonely or joyful, deep or thin. There is religious silence; a self-emptying silence, and romantic silence - what Wordsworth called the 'bliss of solitude'."&lt;/span&gt;&lt;/div&gt;&lt;div style="font-family: arial,helvetica,sans-serif; margin: 15px 0px;"&gt;&lt;span class="Apple-style-span" style="font-size: small;"&gt;The bliss of solitude!&lt;/span&gt;&lt;/div&gt;&lt;div style="font-family: arial,helvetica,sans-serif; margin: 15px 0px;"&gt;&lt;span class="Apple-style-span" style="font-size: small;"&gt;If it wasn't for the fact that neither of them enjoys heart-to-hearts, she'd have plenty to chew over with Rufus. Rufus says she finds socialising as exhausting as giving blood: "After three hours I'm drained, even if I love the person I'm with. People assume we loners are misanthropes, just sitting thinking, 'Oh, people are such a bunch of assholes,' but it's really not like that. We just have a smaller tolerance for what it takes to be with others. It means having to perform. I get so tired of communicating."&lt;/span&gt;&lt;/div&gt;&lt;div style="font-family: arial,helvetica,sans-serif; margin: 15px 0px;"&gt;&lt;span class="Apple-style-span" style="font-size: small;"&gt;Remarkably, Rufus is married and lives with her husband. People call her a hypocrite, she says, but her husband's a loner, too, and their lives are as separate as cohabiters' can be. "We don't have people over, or do things in groups, and when we're at home together we'll often be at different ends of the house. We're not here sitting talking all day and playing games."&lt;/span&gt;&lt;/div&gt;&lt;div style="font-family: arial,helvetica,sans-serif; margin: 15px 0px;"&gt;&lt;span class="Apple-style-span" style="font-size: small;"&gt;Once you've finished with that vision of domestic bliss, meet another great introspector - the Canadian Bob Kull, who chronicled his own retreat from society in Solitude: Seeking Wisdom in Extremes. In 2001, Kull's desire to understand himself and the world took him to an uninhabited island off the coast of Chile, 150 kilometres from the nearest settlement. He spent just one year there, building a home, fishing, collecting firewood, pulling his own rotten teeth, getting in touch with nature. He had just one visit, from a group of officials checking that the "lunatic gringo" would survive the winter.&lt;/span&gt;&lt;/div&gt;&lt;div style="font-family: arial,helvetica,sans-serif; margin: 15px 0px;"&gt;&lt;span class="Apple-style-span" style="font-size: small;"&gt;It was hard and dangerous, especially for a middle-aged man with a prosthetic leg. As well as the elements and assorted injuries, he had to contend with mood swings. "We all carry some pretty dark shadow material in us, and it starts to bubble up," he says. But he got through it, though one call on the satellite phone would have brought a boat to whisk him away.&lt;/span&gt;&lt;/div&gt;&lt;div style="font-family: arial,helvetica,sans-serif; margin: 15px 0px;"&gt;&lt;span class="Apple-style-span" style="font-size: small;"&gt;Rufus, Byrd, Maitland, Kull, all those around-the-world sailors, all those buckskinned mavericks who trapped and traded their way across the New World: they show that solitude can be not just survived but embraced. It helps, of course, that this was something they chose. It must be immeasurably harder if you find yourself alone because of bereavement, old age or the end of a love affair.&lt;/span&gt;&lt;/div&gt;&lt;div style="font-family: arial,helvetica,sans-serif; margin: 15px 0px;"&gt;&lt;span class="Apple-style-span" style="font-size: small;"&gt;That's not a life anyone would envy. Nor would you want to cut yourself off from the world when your health begins to fail. Yet most people find it hard to contemplate even the kind of watered-down, voluntary solitude that my life consists of. "People who are not this way really don't get it," Rufus suggests. "And when you don't understand something you fear it."&lt;/span&gt;&lt;/div&gt;&lt;div style="font-family: arial,helvetica,sans-serif; margin: 15px 0px;"&gt;&lt;span class="Apple-style-span" style="font-size: small;"&gt;According to the anthropologist Robert Sussman, humans evolved not as hunters - as we like to imagine - but as prey, easy meat for wild dogs, crocodiles and hyenas. We became "social animals", as biologists describe us, not to catch dinner but to avoid becoming it - out of fear, in other words. Perhaps that fear still marks us and perhaps that's why we still feel uneasy when there's no one around to watch our backs.&lt;/span&gt;&lt;/div&gt;&lt;div style="font-family: arial,helvetica,sans-serif; margin: 15px 0px;"&gt;&lt;span class="Apple-style-span" style="font-size: small;"&gt;I asked a few friends when they had last spent 24 hours without human company. A few people suggested that, they guessed, it might possibly, perhaps have occurred a decade or two ago, when they were living on their own, or sharing with friends who had pushed off for the weekend. They were definitely ill, or they'd have invited someone over, or gone a-visiting.&lt;/span&gt;&lt;/div&gt;&lt;div style="font-family: arial,helvetica,sans-serif; margin: 15px 0px;"&gt;&lt;span class="Apple-style-span" style="font-size: small;"&gt;Are people uncomfortable with solitude because they so rarely experience it, or do they so rarely experience it because they are uncomfortable with it? What is clear is that most of us persist in equating aloneness with loneliness and company with companionship, despite a lifetime of evidence to the contrary. "We are for the most part more lonely when we go abroad among men than when we stay in our chambers," is how Henry David Thoreau put it after two years as the sole inhabitant of a house he had built in the Massachusetts woods. You're never more alone than when you're in a crowd. A cliche, perhaps, but most of us recognise the truth in it.&lt;/span&gt;&lt;/div&gt;&lt;div style="font-family: arial,helvetica,sans-serif; margin: 15px 0px;"&gt;&lt;span class="Apple-style-span" style="font-size: small;"&gt;Before moving to the back of beyond, I spent almost 40 years surrounded by people, first as one of five children, then in shared houses and, finally, in a succession of flats. I sometimes feel unloved now but I sometimes felt unloved then. Doesn't everyone?&lt;/span&gt;&lt;/div&gt;&lt;div style="font-family: arial,helvetica,sans-serif; margin: 15px 0px;"&gt;&lt;span class="Apple-style-span" style="font-size: small;"&gt;Do explorers and hermits miss those they leave behind? Of course they do. "I can't take my loneliness casually," Byrd wrote. "It is too big. But I must not dwell on it. Otherwise I am undone." Maitland admits: "There are times when you need somebody's hand to hold."&lt;/span&gt;&lt;/div&gt;&lt;div style="font-family: arial,helvetica,sans-serif; margin: 15px 0px;"&gt;&lt;span class="Apple-style-span" style="font-size: small;"&gt;But the reality of solitude is often less daunting than the perception. During his year on the desert island, Kull, a likeable man, was buffeted by loneliness. But he came to regard his longings as a storm that would sweep in, turn everything upside down, then sweep out again. The best thing was simply to enjoy the spectacle: "Instead of running from that feeling of loneliness, whenever I allow myself to settle into it, and really, fully experience it, it opens out into a sense of wonder and peace." After three or four months, he recalls, "I became more engaged with the world around me - the trees, the ocean, the sky. My whole orientation changed. We are social beings - there's no doubt of that. But even when we're alone, we're engaging with the world."&lt;/span&gt;&lt;/div&gt;&lt;div style="font-family: arial,helvetica,sans-serif; margin: 15px 0px;"&gt;&lt;span class="Apple-style-span" style="font-size: small;"&gt;In the 1980s and '90s, a British man called Les Powles sailed three times around the world - always single-handedly, once non-stop. He couldn't afford a radio transmitter, and on his greatest adventure he didn't speak to anyone for 329 days. At 84, his circumnavigating days are now behind him but he still lives on his boat, the Solitaire. What's the appeal of sailing, I asked him. "It's the solitude. When you're out at sea on your own, there's no government or bankers to worry about. You're not responsible to anyone but yourself."&lt;/span&gt;&lt;/div&gt;&lt;div style="font-family: arial,helvetica,sans-serif; margin: 15px 0px;"&gt;&lt;span class="Apple-style-span" style="font-size: small;"&gt;Powles has been married twice and has friends in many countries. Doesn't he miss people? "I get lonely at airports, or saying goodbye to somebody, but not when I'm at sea. There's no comparisons, you see. I'm not seeing people with their families. I'm so isolated out there."&lt;/span&gt;&lt;/div&gt;&lt;div style="font-family: arial,helvetica,sans-serif; margin: 15px 0px;"&gt;&lt;span class="Apple-style-span" style="font-size: small;"&gt;There was one moment on that non-stop trip when Powles ended up in tears - on Christmas Day, just off Australia. Friends in Britain had given him a special meal to open on the day, complete with greetings card. "I was lonely then, I must admit. I just wanted to say 'Merry Christmas' to someone." But he'd recovered by the time he reached dry land. "When I got back," he says, "I would have happily set off again."&lt;/span&gt;&lt;/div&gt;&lt;div style="font-family: arial,helvetica,sans-serif; margin: 15px 0px;"&gt;&lt;span class="Apple-style-span" style="font-size: small;"&gt;And that's after almost a year of proper hardcore solitude, the sort so few of us will ever experience. The worst we have to fear is a kind of solitude lite, where even if we don't see anyone for a few days we still have the phone, email, Facebook, instant messaging, Twitter.&lt;/span&gt;&lt;/div&gt;&lt;div style="font-family: arial,helvetica,sans-serif; margin: 15px 0px;"&gt;&lt;span class="Apple-style-span" style="font-size: small;"&gt;It's a great life if you don't weaken. Every now and again, the need to scratch out a living forces me out of my lair. "A week in London," I tell myself. "I can do that standing on my head." And, to tell the truth, I can. I enjoy the chance to catch up with people. Like many loners, I don't have that many friends but the ones I do have I value. Still, whenever I return home, it's with relief that I shut the door on the world. It's a fantastic place to visit but I wouldn't want to live there.&lt;/span&gt;&lt;/div&gt;&lt;div style="font-family: arial,helvetica,sans-serif; margin: 15px 0px;"&gt;&lt;span class="Apple-style-span" style="font-size: small;"&gt;And now, if you'll excuse me, I'm going to put on my warmest coat, grab a beer and go outside to watch the sun go down. We loners love our rituals, and this is something I try to do come rain, shine or biting cold. I'll be on my own, of course, but channelling Byrd.&lt;/span&gt;&lt;/div&gt;&lt;div style="font-family: arial,helvetica,sans-serif; margin: 15px 0px;"&gt;&lt;span class="Apple-style-span" style="font-size: small;"&gt;On April 14, 1934, with the temperature far below zero, Byrd enjoyed a magical sunset, the ice like platinum, Venus an "unblinking diamond" in the sky. "I paused to listen to the silence," Byrd wrote. "My breath, crystallised as it passed my cheeks, drifted on a breeze gentler than a whisper ... The day was dying, the night being born - but with great peace ... In that instant I could feel no doubt of man's oneness with the universe."&lt;/span&gt;&lt;/div&gt;&lt;div style="font-family: arial,helvetica,sans-serif; font-size: 12px; margin: 15px 0px;"&gt;&lt;span class="Apple-style-span" style="font-size: small;"&gt;There was, you will note, no one standing beside him complaining about the weather.&lt;/span&gt;&lt;/div&gt;&lt;div style="font-family: arial,helvetica,sans-serif; font-size: 12px; margin: 15px 0px;"&gt;The Guardian&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;
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&lt;span class="Apple-style-span" style="font-family: 'Lucida Grande'; font-size: small;"&gt;&lt;span class="Apple-style-span" style="font-size: 11px;"&gt;&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;
&lt;span class="Apple-style-span" style="font-family: 'Lucida Grande'; font-size: small;"&gt;&lt;span class="Apple-style-span" style="font-size: 11px;"&gt;&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;
&lt;span class="Apple-style-span" style="font-family: 'Lucida Grande'; font-size: small;"&gt;&lt;span class="Apple-style-span" style="font-size: 11px;"&gt;&lt;div&gt;&lt;span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif;"&gt;&lt;span class="Apple-style-span" style="font-size: medium;"&gt;Watch Canadian siren Martha Wainwright sashay from side to side, how-low-can-you-go and up again.  Smooth and sultry in her cute yellow number and white stockings! Aussie Dan Kelly almost forgot his lyrics!&lt;/span&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: x-small;"&gt;&lt;span class="Apple-style-span" style="font-size: 10px; white-space: pre;"&gt;&lt;span class="Apple-style-span" style="font-family: 'Lucida Grande', Helvetica, sans-serif; font-size: small;"&gt;&lt;span class="Apple-style-span" style="font-size: 11px; white-space: normal;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/div&gt;&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;
&lt;div&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: x-small;"&gt;&lt;span class="Apple-style-span" style="font-size: 10px; white-space: pre;"&gt;&lt;object height="340" width="560"&gt;&lt;param name="movie" value="http://www.youtube.com/v/6jglo-Wanzk&amp;amp;hl=en_US&amp;amp;fs=1&amp;amp;"&gt;&lt;param name="allowFullScreen" value="true"&gt;&lt;param name="allowscriptaccess" value="always"&gt;&lt;embed src="http://www.youtube.com/v/6jglo-Wanzk&amp;amp;hl=en_US&amp;amp;fs=1&amp;amp;" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="560" height="340"&gt;&lt;/embed&gt;&lt;/object&gt;&lt;/span&gt;&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: x-small;"&gt;&lt;span class="Apple-style-span" style="font-size: 10px; white-space: pre;"&gt;&lt;br /&gt;
&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;
&lt;span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif;"&gt;&lt;span class="Apple-style-span" style="font-size: large;"&gt;'Can you help me, can you help me' .... 'Over me' ... &lt;/span&gt;&lt;/span&gt;&lt;span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: x-small;"&gt;&lt;span class="Apple-style-span" style="font-size: 10px; white-space: pre;"&gt;&lt;br /&gt;
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&lt;/script&gt;One Sunday morning, I was reading a magazine &lt;a href="http://www.mamamia.com.au/weblog/2010/02/12636.html"&gt;article&lt;/a&gt; in Sunday Life about mums of various ages getting a tatoo.  Why do women do it? &lt;br /&gt;
&lt;div&gt;&lt;span class="Apple-style-span" style="font-family: Verdana, 'Helvetica Neue', Arial, Helvetica, Geneva, sans-serif; font-size: 100%;"&gt;&lt;span class="Apple-style-span" style="font-size: 13px; line-height: 18px;"&gt;&lt;br /&gt;
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&lt;div&gt;Mum:  "Hey Gab, what do you think about mum getting a tattoo?"&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;Gab (10 year old son): "Mum, that is disgraceful!"&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;Mum: "What?? Why is that?  And where is this word coming from?  Have you heard it from someone?"&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;Gab: "Tattoos are disgraceful to the body that God gave you."&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;img alt="" border="0" id="BLOGGER_PHOTO_ID_5442474543324692930" src="http://1.bp.blogspot.com/_5nSlJyn_Rx8/S4eNwv35gcI/AAAAAAAADp0/lFZ2cYiSE9Q/s320/tattooangelina-300x221.jpg" style="cursor: pointer; float: left; height: 221px; margin: 0pt 10px 10px 0pt; width: 300px;" /&gt;&lt;br /&gt;
&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;Mum: "But, sweetheart, Angelina Jolie has one". &lt;i&gt;Mmm, I don't think my son cares about Angelina.  &lt;/i&gt;"It can be a work of art if Mama picks a really nice design.  Besides, I decided that I will do &lt;i&gt;things&lt;/i&gt; this year.  This will be a 'Me Year' or even a 'Me Decade'.  It was all about you and kuya (older brother) in the past decade!"&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;Gab: "Mommy is lovely the way she is.  She just needs to lose some weight!"&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;Ugh!  My kids do keep me grounded, can you believe it?  I have a feeling that the table is slowly turning ... :)&amp;nbsp; It's the end of my tatts aspirations!&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
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Today, 28th of January, is Gab's (10 y.o. son) first day at a new school.  He is in Year 5. He was accepted into an
&lt;/script&gt;Today, 28th of January, is Gab's (10 y.o. son) first day at a new school.  He is in Year 5. He was accepted into an &lt;a href="http://www.schools.nsw.edu.au/gotoschool/types/primarywithoc.php"&gt;Opportunity Class&lt;/a&gt; program for 'gifted' kids.&lt;br /&gt;
&lt;br /&gt;
It is also his first time to ride a bus to and from school.  In previous years, Gab was ferried to and from school.&lt;br /&gt;
&lt;br /&gt;
Mum: "&lt;span style="font-style: italic;"&gt;I will take you to the bus stop and board you into the right bus. Then I will drive to your school and meet you there. In the afternoon, the same thing will happen. I will be at school to take you to your bus, and I will meet you again at the bus stop near our home. Easy. Remember, that you've done your dry-run with Dad in the previous weeks. So everything will be alright.&lt;/span&gt;"  (This was me trying to calm myself aloud ...)   "&lt;span style="font-style: italic;"&gt;Besides there will be other kids in the bus with you, so just follow them ...&lt;/span&gt;"&lt;br /&gt;
&lt;br /&gt;
Gab: "But mum, what if you aren't there when I reach school?"&lt;br /&gt;
&lt;br /&gt;
Mum:  "I will be there, Gab.  If not, wait for me inside the gate ..."&lt;br /&gt;
&lt;br /&gt;
We waited 10 minutes for the bus to arrive.  And in those 10 minutes, our anxiety built up.  Gab even commented - "&lt;span style="font-style: italic;"&gt;I should have failed that OC test, Mum, had I known that I had to take a bus to school&lt;/span&gt;".  Shock, horror!  "&lt;span style="font-style: italic;"&gt;Don't ever say that again, Gabriel.  You'll be fine!&lt;/span&gt;"&lt;br /&gt;
&lt;br /&gt;
As soon as Gab safely boarded his bus, I scampered away to try to out-drive the bus to school. What I didn't know was, the bus took a shorter route than I did. But, of course! My sense of direction is horrendous, after all.&lt;br /&gt;
&lt;br /&gt;
First myth - &lt;span style="font-style: italic;"&gt;"I will be there before you&lt;/span&gt;". I wasn't! When I arrived at school, all parking spots were taken. I had to park way way away from the school. Every other parent was, I think, present on their kid's first day at school!&lt;br /&gt;
&lt;br /&gt;
Second myth - &lt;span style="font-style: italic;"&gt;'There will be other school children in the bus.'&lt;/span&gt;  Wrong ... there were only two of them!&lt;br /&gt;
&lt;br /&gt;
&lt;a name='more'&gt;&lt;/a&gt;&lt;br /&gt;
&lt;br /&gt;
I only saw Gab from a distance inside the school hall with the entire school of 200+ children. I waved my hand vigorously to make sure he saw me. I had to make him see me, that I was there for him ... albeit very late! He waved back, I sighed with relief. I was already imagining the recriminations I was sure to get after school.&lt;br /&gt;
&lt;br /&gt;
I went home, totally drained.&lt;br /&gt;
&lt;br /&gt;
In the afternoon, I went back to the school a good 30 minutes before the bell rang. I made sure that I parked right across the gate so that I will beat the bus in going home.&lt;br /&gt;
&lt;br /&gt;
Gab had a small smile on his face when he saw me.  &lt;span style="font-style: italic;"&gt;I was choked with happiness.&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
"Mum, I have a new friend.  His name is Lance.  He is also Pinoy.  There are lots of Filipino kids in my class ..."&lt;br /&gt;
&lt;br /&gt;
I was forgiven.  Or perhaps this &lt;span style="font-weight: bold;"&gt;drama&lt;/span&gt; was just something I imagined in my head.  My son was oblivious to my turmoil this morning.&lt;br /&gt;
&lt;br /&gt;
Needless to say, I beat the bus to the stop near our home by just a few seconds. This time there were two girls from Gab's school who crossed the road with him. I told him to stick with the two girls all the time! (Did I just say that???)&lt;br /&gt;
&lt;br /&gt;
All's well that ends well.&lt;br /&gt;
&lt;br /&gt;
Did I mention that Gab wore the wrong socks today? He wore grey. The school's socks are green. He didn't mind. I, on the other hand, was aghast. I went straight to Lowes only to find that the green socks had sold out!&lt;br /&gt;
&lt;br /&gt;
Did I also mention that I met a wonderful Dad that afternoon? And other Mums with their girls who are on the same bus as Gab's ...we were all doing the same thing - 'bus practice'!&lt;br /&gt;
&lt;br /&gt;
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&lt;/div&gt;&lt;div&gt;One fine Sunday morning in 2008, i read a newspaper article about the rising cost of &lt;a href="http://ourkidz.com.au/content/view/29/106/lang,en/"&gt;education&lt;/a&gt; in Sydney.  Gab was in Year 3 at that time attending a local Catholic School.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;Thinking aloud,  I said.  &lt;i&gt;"Private schools are so expensive.  We will need to spend anywhere from AU$10,000 to $30,000 per year! Even the government high school kids need to spend up to $5,000 for extra curricular activities."&lt;/i&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;&lt;div&gt;Gab was sitting beside me and read the article with me.  &lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;Suddenly, he closed the newspaper that we were reading and muttered.  "&lt;i&gt;Don't stress, Mum.  I will get into a &lt;a href="http://www.schools.nsw.edu.au/gotoschool/types/selectiveschools.php"&gt;Selective High School&lt;/a&gt; so Mama will not have to worry about money."&lt;/i&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;Truly, these were Gab's words!&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;&lt;i&gt;"Alright, son.  Here's the plan, in order to get a Selective placement, you need to move to a public school for Years 5 and 6, preferably get into an OC Class".&lt;/i&gt;&lt;/div&gt;&lt;div&gt;&lt;i&gt;&lt;br /&gt;
&lt;/i&gt;&lt;/div&gt;&lt;div&gt;&lt;i&gt;"Yes, Mum."&lt;/i&gt;&lt;/div&gt;&lt;div&gt;&lt;i&gt;&lt;br /&gt;
&lt;/i&gt;&lt;/div&gt;&lt;div&gt;Bingo!  The planets just aligned.  How it happened, I had no idea.  &lt;/div&gt;&lt;div&gt;&lt;br /&gt;
In a nutshell, &lt;a href="http://www.schools.nsw.edu.au/gotoschool/types/selectiveschools.php"&gt;Selective High Schools&lt;/a&gt; are run by the government to provide an educationally enriched environment for highly achieving, academically gifted students.&lt;br /&gt;
&lt;span class="Apple-style-span" style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 11px;"&gt;&lt;/span&gt;&lt;br /&gt;
&lt;span class="Apple-style-span" style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 11px;"&gt;&lt;/span&gt;&lt;br /&gt;
&lt;span class="Apple-style-span" style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 11px;"&gt;&lt;div class="contentBody" style="color: #333333; font-size: 11px; line-height: 1.3em; padding-left: 13px; padding-right: 10px;"&gt;&lt;/div&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;Since then, Gab willingly attended tutoring lessons at &lt;a href="http://www.swotshop.com.au/"&gt;Swot Shop&lt;/a&gt; for 6 months prior to taking the OC Test.  Swot Shop primarily teaches children methods to employ in answering questions in a limited time.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;When he was in Year 4, he told his classmates about his eventual transfer to another school and the reasons why.  We were both convinced that he will pass the test.  And he did, indeed!&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;What can I say?  Constant affirmation and action truly works!  &lt;/div&gt;&lt;div&gt;&lt;br /&gt;
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&lt;/div&gt;When the kids were little back in 2002, I decided the education path they were to take.  I've always known that I preferred public education over private schooling (aside: I attended a public high school).  &lt;i&gt;First&lt;/i&gt;, I did not want to pay exorbitant school fees.  I wanted our already high taxes to work for us.  &lt;i&gt;Second&lt;/i&gt;, public high schools lead in &lt;a href="http://bettereducation.com.au/Results/Hsc2008Ranking.aspx"&gt;school performance&lt;/a&gt; anyway.  For me, it was a no-brainer.&lt;br /&gt;
&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;However, one does not just walk in to these high performance schools.  One has to take very competitive examinations to get in.  In New South Wales, the top government schools are called Selective High Schools.  The name, I am guessing, probably means 'selected students' (aside: Aussies can be very literal in their choice of words).&lt;script type="text/javascript"&gt;
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&lt;/div&gt;&lt;div&gt;First question to self: &lt;i&gt;'How do I prepare my children for Selective High School? I am not deluded as to assume that they are very smart children when they grow up.'&lt;/i&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;Second question to self: &lt;i&gt;'How do I make my children take the exam willingly with minimum fuss?'&lt;/i&gt;&lt;/div&gt;&lt;div&gt;&lt;i&gt;&lt;br /&gt;
&lt;/i&gt;&lt;/div&gt;&lt;div&gt;The answer to the first question is easy.  There are many avenues available:  enrol the kids in a good public primary school, send them to coaching classes, get them a place in an Opportunity Class, or (heaven forbid!) all of the above!&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;Simply put, an &lt;a href="http://www.schools.nsw.edu.au/gotoschool/types/primarywithoc.php"&gt;Opportunity Class&lt;/a&gt; is a precursor to Selective High School.  Government schools have OC Classes in Years 5 and 6.  Again, children take tests to get in.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;I resolved to take the OC path.  Now, how in the world can I make this happen?  How can I make the kids &lt;i&gt;want&lt;/i&gt; to prepare for the test, let alone sit for it?  &lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
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&lt;div&gt;&lt;span style="font-size: medium;"&gt;It must be the way Beth Gibbons sings oh-so poignantly ... so painfully ... goosebumps run up and down me ...&lt;br /&gt;
&lt;br /&gt;
&lt;/span&gt;&lt;a href="http://www.youtube.com/watch?v=Vg1jyL3cr60"&gt;&lt;span style="font-size: medium;"&gt;Portishead sings "Roads" live at Roseland, NY&lt;/span&gt;&lt;/a&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;object height="344" width="425"&gt;&lt;param name="movie" value="http://www.youtube.com/v/Vg1jyL3cr60&amp;amp;hl=en_US&amp;amp;fs=1&amp;amp;"&gt;&lt;/param&gt;&lt;param name="allowFullScreen" value="true"&gt;&lt;/param&gt;&lt;param name="allowscriptaccess" value="always"&gt;&lt;/param&gt;&lt;embed src="http://www.youtube.com/v/Vg1jyL3cr60&amp;amp;hl=en_US&amp;amp;fs=1&amp;amp;" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="425" height="344"&gt;&lt;/embed&gt;&lt;/object&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;
&lt;/div&gt;&lt;div class="separator" style="clear: both; text-align: center;"&gt;&lt;/div&gt;&lt;br /&gt;
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&lt;/script&gt;&lt;span class="Apple-style-span" style="font-size: medium;"&gt;&lt;span class="Apple-style-span" style="font-size: small;"&gt;I was walking with my 10 &amp;amp; 11 year old boys under a 32 degree Celsius heat.  We were on our way to Sunday church in very oppressive weather.&lt;br /&gt;
&lt;br /&gt;
I muttered, "We should have gone to the beach".&lt;br /&gt;
&lt;br /&gt;
My 10-year-old son quipped, "Mum, how could you!  We are going to church.  Church is more important than the beach!"&lt;br /&gt;
&lt;br /&gt;
Sigh.  I taught my son only too well ...&lt;/span&gt;&lt;br /&gt;
&lt;/span&gt;&lt;br /&gt;
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Ideally, for women only.  But men can read on to ‘understand’ their women!&lt;br /&gt;
&lt;/span&gt;&lt;br /&gt;
2009 marks my “pushing forty”.  Nope I am not quite there yet as I am one year younger than my batch mates.  Yet my frame of mind has turned a corner.&lt;br /&gt;
&lt;br /&gt;
My moment of clarity:  Forty years old is the average age when one’s kids are around 10-12 years old.  Children are pretty much low maintenance from then on.&lt;br /&gt;
&lt;br /&gt;
Therefore, we mums can finally start listening to our own needs.  Ten years is long enough for putting our lives on hold after all.&lt;br /&gt;
&lt;br /&gt;
Here is what happened to me “before forty”:&lt;br /&gt;
- family life came first above all else;&lt;br /&gt;
- sleep deprivation for at least a decade (depending on how many kids you have).  Oh, those endless parade of lunch boxes you had to prepare the night before or early next morning;&lt;br /&gt;
- my body clock waking me up in the dead of the night so that I can check if the kids are warm enough or haven’t kicked their blankets to the floor (while the partner merrily sleeps on);&lt;br /&gt;
- no such thing as sleeping in, as either the kids come sneaking into your bed; or your body clock is so used to 6am awakenings - weekends, public holidays, every single day!  there, there, i am not trying to scare off mum-to-be's;&lt;br /&gt;
-  finding yourself having a discussion about Bionicle with a little one when you are in the shower (privacy ... gone!)  (Trivia: Australian houses do not have locks in bedrooms and bathrooms for safety reasons, ie. fire, etc.);&lt;br /&gt;
- a quickie under the doona (aka blanket) is the order of the day lest a kid comes creeping in (do i see some nodding there?);&lt;br /&gt;
- shopping ... what shopping?  I have not shopped for myself for &lt;span style="font-style: italic;"&gt;years&lt;/span&gt;.  I always find myself making a beeline to boys' wear and toys in the past decade.  My meaning of shopping is quick and limited to essentials ... no time for browsing with '&lt;span style="font-style: italic;"&gt;i am tired, mum&lt;/span&gt;' cries trailing behind you.  I envy my girlfriends whose wardrobe is ... well, full!&lt;br /&gt;
&lt;br /&gt;
At forty, things can and will change (there’s hope).&lt;br /&gt;
&lt;br /&gt;
The kids will be hitting ten and above. They now understand that mum and dad are not at their beck and call.  All of a sudden, they actually comprehend that one should wait for a “come in” after knocking on a door instead of just barging in.  Homework is completed independently.  Woohoo!&lt;br /&gt;
&lt;br /&gt;
So suddenly I am finding time in my hands ... what have i done so far?&lt;br /&gt;
&lt;br /&gt;
I had highlights done to my hair (a first!).&lt;br /&gt;
I had my nails coloured (the last time was at my wedding).&lt;br /&gt;
I bought myself a pair of two-inch high heels.  Oh, and it came with a matching handbag.&lt;br /&gt;
I bought a new dress  (even if I had nowhere to go).&lt;br /&gt;
&lt;br /&gt;
So ladies, let yourself go in your forties.  Do things you haven’t done before or have stopped doing.  Buy that sexy lingerie ... perhaps now you will be brave enough for that brazilian wax you've always wondered about (gasp!).&lt;br /&gt;
&lt;br /&gt;
Midlife crisis in another ten years, you say?  Isn't that when the kids finally move out of the house?  Mmmm that brings on new possibilities ...&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/5129401120615597269-7844511370976004222?l=gloryboxtoo.blogspot.com' alt='' /&gt;&lt;/div&gt;
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