Random Thoughts

With recent events, it seems like Basel III is not doing much to prevent another financial meltdown. To share a bit of background first, banks must hold capital depending on the risk-weights: the higher the risk-weights, the more capital banks are required to hold. For example, mortgage-backed securities had low risk-weights and consequently, there’s an […]

June was not a good month for my family. It started with my hospitalization, my father-in-law injured his back, my wife’s grandma passed away and finally we lost our baby due to miscarriage. All these seem to kick in all within the same week and I just can’t believe how things just happen at the […]

When it comes to my own websites, I am in a comfort zone since one year ago. My websites were making me a healthy income, although nothing fabulous and I did nothing to improve the results of my websites since I was in my own comfort zone. A year ago, one of my revenue generating sites […]

A couple of weeks ago, I was speaking to a colleague and I just asked casually ‘Where are you sending your kid for studying?’. His response was not what I expected, as he sort of got a bit worked up and replied ‘Nope, I’m not going to let my kid study’ and my first thoughts […]

It has been some time since I blogged, probably because I did not have something that I feel would warrant an entire blog post. I used to choose to blog only longer articles and when I did not have enough to write, I simply choose not to write totally. Seeing the lack of posts, I […]