Try to make the most of your time everyday

Customers have told me I am a terrible businessman: they have been happily paying me $xx and now they will pay LESS under the new billing.  I want to reward efficiency.:

  1. My billing over the past 10 years was tiered based on income levels: $380K, $880k, $1.5 million, $6 million.
  2. The new billing is based on expenditures processed: more expenditures means more transactions to process, review and more after-work in terms of CRA compliance.

This move is also in response to CRA’s increased audits of different expense account and industries.

If you are going to do something, do it as best you can. There is no sense in working 30 years, sacrificing your health and time with your children if you can make the same money in 10.

Efficiency is only important when a resource is scarce.  As a young person with a whole life-time ahead, money was the priority. As we get older, time and attention is the priority. (Attention is important, for example: Spending 1 hour QUALITY time with your kids, interacting with them and reading to them is much better than spending 2 hours with them in front of the television)

Its an inefficient use of time to advance your wealth beyond a certain point.

I want to maximize my limited time left on earth and want to improve my craft each day and at 37 years old there is not much improvement for working more than 5 hours per day. The best way for me to improve is to work with big numbers on limited accounts. Big numbers means the errors of others would compound to adversely affect my customers.

Businesses that revolve around E-commerce, beauty/aesthetics, food/health are all great businesses that could efficiently give you $20,000 or more a month in after-tax income and being in Alberta, there is still some opportunity left in the oil/pipeline sector as well.

Keeping in mind, Pareto’s principle aka the 80/20 rule, 80% of the effects come from 20% of the causes and in our case, 80% of inefficient use of time comes from 20% of the customers. By refusing service to companies that do not use their time and resources efficiently guarantees we don’t have to lose time with audits. This in turn, gives us more time to spend with our valued clients.

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Fluoridation of our Water!

Many of us don’t know much about fluoride except that it is supposed to be good for your teeth and reduce cavities but there is so much I didn’t know. 

As quoted from Nassim Taleb’s Anti-Fragile (Chapter 21. Medicine, Convexity, and Opacity) “The non-natural needs to prove its benefits, not the natural—according to the statistical principle outlined earlier that nature is to be considered much less of a sucker than humans. In a complex domain, only time—a long time—is evidence.”

Just like the insecticide, DDT, discovered by a Swiss chemist (who actually won a Nobel Award for it), cigarettes, plastic, & cellphones were “harmless” until it all proved to be harmful after a long period of time. Or years ago, scientists came to the conclusion that cholesterol in food was bad = eggs were bad. Now, decades later, we find out the effect of egg consumption on blood cholesterol is minimal when compared with the effect of trans fats and saturated fats and according to a study at the University of Connecticut the fat in egg yolks actually helps to reduce LDL (“bad” cholesterol).

The approved 1.00ppm of fluoride in drinking water now MIGHT be harmful after another decade of studies.

If studies now show that it does affect IQ and other things then I’m going to do my best to avoid it in water where we cannot control how much fluoride we take as we need to drink a lot of water to keep healthy. There is already fluoride in some of the foods we eat/drink, & toothpaste. Other countries have access to fluoridated salt (ie. Switzerland) where the fluoride intake can be controlled for EACH individual. A smaller child can use less salt vs. an adult <— this makes much more sense than FORCING every single person to take fluoride through their drinking water.

  1. US National Library of Medicine National Institutes of Health: Critical Review of Physiological Effects of Ingested Fluoride as a Public Health Intervention (“CONCLUSIONS: The results support the possibility of an adverse effect of high fluoride exposure on children’s neurodevelopment. Future research should include detailed individual-level information on prenatal exposure, neurobehavioral performance, and covariates for adjustment.”)
  2. Department of Environmental Health, Harvard School of Public Health: Developmental fluoride neurotoxicity: a systematic review and meta-analysis  

    (“RESULTS: The standardized weighted mean difference in IQ score between exposed and reference populations was -0.45 (95% confidence interval: -0.56, -0.35) using a random-effects model. Thus, children in high-fluoride areas had significantly lower IQ scores than those who lived in low-fluoride areas. Subgroup and sensitivity analyses also indicated inverse associations, although the substantial heterogeneity did not appear to decrease.

    CONCLUSIONS: The results support the possibility of an adverse effect of high fluoride exposure on children’s neurodevelopment. Future research should include detailed individual-level information on prenatal exposure, neurobehavioral performance, and covariates for adjustment.”)

  3. Translated research report Fluoride 41(2) 115-119 April-June 2008 – Effects of the level of fluoride in drinking water on the intellectual ability of school-age children
  4. Fluoride news & lawsuit

So then I looked into Edmonton’s water: 2017 YTD median of fluoride in Edmonton’s water is 0.68 ppm!! Whereas most developed countries, including 97% of the western European population (Switzerland included), do not consume fluoridated water. 

After learning this we decided we had to switch our Mavea water pitcher out for something that could remove fluoride and found two products: Berkey and Zero Water. Pictured below is the Berkey which we thought was right for our family. 

IMG_0076

The Berkey system effectively removes harmful viruses, bacteria, parasites and unhealthy contaminants from water and leaves essential minerals that your need. It purifies tap water & raw untreated water from sources such as remote lakes and streams.  It is SOOO good that they even recommend you to test your system after setting it up by putting water and RED FOOD coloring into the tank and the water that comes out is clear. The system which includes 2 Black filters and 2 F-2 filters cost us $351 plus we purchased an extra set of each filter so that it filters faster. After the water is filtered I empty the system into glass bottles and put them in the fridge (the system is BPA free but we avoid keeping food/drinks in plastic whenever possible). Use it at home, at the cottage, on a camping trip, or at your office/shop for clean water. I also recommended it to my parents for when they go back to Vietnam for vacation (who knows how clean the bottled water actually is!?)

Below are the cost in cents per litre of water filtered for both systems after 12 years: Berkey 0.0403 cents/litre (Amazon)  and Zero 0.1188/litre (Costco) and Zero 0.1387/litre (Amazon)  [The break even point is 2 years]



Here are the links to Amazon or Costco for those that have memberships at Costco for the Zero system:

Zero Water 10 cup pitcher Amazon $39.48 or Costco $64 

Zero Filters: Costco 4 filters for $70 or Costco 8 filters for $119 or Amazon 2 filters for $33  or Amazon 4 for $82.69 or Amazon 8 filters for $142.35



Below is more calculations I did for our family. The Institute of Medicine determined that an adequate intake (AI) of water for my family would be:

2.36 litres (1.18 litres/day for 4- 8 year olds & I have a 3 year old and 5 year old 1.18 x 2 = 2.36)
3 litres for men per day
2.2 litres for women per day
—————
7.56 litres / day of drinking water for my family + extra water is required for cooking

The Berkey Light has a capacity of 10.4 litres so I would need to refill the system once a day for drinking and cooking. Using that I calculated how long my filters would last my family:

Berkey Black filter set purifies approximately 22,000 litres so 22,000 L / 10.4 L = 2,115.38 / 365 days = 5.8 years (5 years and 9.6 months) !! I purchased an extra set of Black filters so I have 2 sets of black filters = 5.8 x 2 = 11.6 (11 years and 7.2 months)

PF-2 Fluoride & Arsenic Reduction Filters is recommended to be replaced after 3,785 litres so 3,785 L / 10.4 L = 363.94 which is almost a full year! I purchased an extra set so I have 2 sets of PF-2 filters = 363.94 days x 2 or basically, 2 years.

Meaning I would need to buy around 5 extra sets of the PF-2 filters because of the life expectancy difference = $66 x 5 = $330

$351 system w/ 1 set of black filters and 1 set of PF-2 filters
$205 additional 1 set of black filters and 1 set of PF-2 filters
$330 additional 5 sets of PF-2 filters for the 10 year difference between the black filters and PF-2 filters
——
$886 / 11.6 years = $76.38 / year in clean fluoride free water!

As that includes the system the calculation below is for the NEXT 11.6 years of clean fluoride free water

$390 for 2 sets of black filters and 2 sets of PF-2 filters (11.6 years & 2 years)
$330 additional 5 sets of PF-2 filters for the 10 year difference between the black filters and PF-2 filters (10 years)
——
$720 / 11.6 years = $62.07 / year in clean fluoride free water!

REMEMBER! The number of PF-2 filters MUST match the number of Black filters to work as the PF-2 filters attach to the Black filters.


The PF-2 filters remove:

  • Arsenic V and peroxidized Arsenic III

  • Targets entire family of arsenic oxide anions as well as the arsenic cations

  • Other residual heavy metal ions

WARNING: huge list below these 2 photos of what the Black Berkey filters remove!!

(Disclosure: Links to products are affiliate links (not the Costco ones). If you make a purchase after clicking a link, we may receive a commission. This commission comes at no charge to you. Thanks for supporting SwissBooks & Anja’s Plate to get some good information out to people like you!)

 

VIRUSES >99.999%

  • Exceeds Purification Standard (Log 4):

  • MS2 Coliphage – Fr Coliphage

  • PATHOGENIC BACTERIA SURROGATE >99.9999%

  • Exceeds Purification Standard (Log 6):

  • Raoultella terrigena

  • TRIHALOMETHANES – Removed to >89.8%

  • (Below Lab Detectable Limits):

  • Bromodichloromethane

  • Bromoform

  • Chloroform

  • Dibromochloromethane

INORGANIC MINERALS

  • Removed to below Lab Detectable Limits:

  • Chlorine Residual (Total Residual Chlorine)

  • Volatile Organic Compounds (VOCs)

  • Removed to below Lab detectable limits

  • Alachlor

  • 1,1,1,2-Tetrachloroethane

  • 1,1,1-Trichloroethane (TCA)

  • 1,1,2,2-Tetrachloroethane

  • 1,1,2-Trichloroethane

  • 1,1,2-Trichlorotrifluoroethane

  • 1,1-Dichloroethane (1,1-DCA)

  • 1,1-Dichloroethylene (1,1-DCE)

  • 1,1-Dichloropropene

  • 1,2,3-Trichlorobenzene

  • 1,2,3-Trichloropropane

  • 1,2,4-Trichlorobenzene

  • 1,2,4-Trimethylbenzene

  • 1,2-Dibromo-3-chloropropane (DBCP)

  • 1,2-Dibromoethane

  • 1,2-Dichloro-1,1,2-trifluoroethane (CFC 123a)

  • 1,2-Dichlorobenzene

  • 1,2-Dichlorobenzene-d4

  • 1,2-Dichloroethane

  • 1,2-Dichloropropane

  • 1,3,5-Trimethylbenzene

  • 1,3-Dichlorobenzene

  • 1,3-Dichloropropene

  • 1,4-Dichlorobenzene

  • 2,2-Dichloropropane

  • 2,4,5-T

  • 2,4,5-TP (Silvex)

  • 2,4-D

  • 2,4-DB

  • 2-Butanone (MEK)

  • 2-Chlorotoluene

  • 2-Hexanone

  • 2-Methyl-2-propanol

  • 3,5-Dichlorobenzoic Acid

  • 3-Hydroxycarbofuran

  • 4-Bromofluorobenzene

  • 4-Chlorotoluene

  • 4-Isopropyltoluene

  • 4-Methyl-2-pentanone

  • 4-Nitrophenol

  • 5-Hydroxydicamba

  • Acetone

  • Acifluorfen

  • Alachlor

  • Aldicarb

  • Aldicarb Sulfone

  • Aldicarb Sulfoxide

  • Aldrin

  • alpha-Chlorodane

  • Ametryn

  • Aroclor (1016, 1221, 1232, 1242, 1248, 1254, 1260)

  • Atraton

  • Atrazine

  • Baygon

  • Bentazon

  • Benzene

  • Bromacil

  • Bromoacetic Acid

  • Bromobenzene

  • Bromochloromethane

  • Bromodichloromethane

  • Bromomethane

  • Bromoform

  • Butachlor

  • Butylate

  • Carbaryl

  • Carbofuran

  • Carbon Tetrachloride

  • Carboxin

  • Chloramben

  • Chlordane

  • Chloroacetic Acid

  • Chlorobenzene

  • Chloroethane

  • Chloroform

  • Chloromethane

  • Chlorpropham

  • cis-1,2-Dichloroethylene

  • cis-1,3-Dichloropropene

  • cis-Nonachlor

  • Cycloate

  • Dacthal Acid

  • Dalapon

  • Diazinona

  • Dibromoacetic Acid

  • Dibromochloropropane (DBCP)

  • Diazinona

  • Dibromomethane

  • Dicamba

  • Dichloroacetic Acid

  • Dichlorodifluoromethane (CFC 12)

  • Dichloromethane

  • Dichlorvos

  • Diclorprop

  • Dieldrin

  • Dinoseb

  • Diphenamid

  • Disulfoton

  • Disulfoton Sulfone

  • Disulfoton Sulfoxidea

  • Endrin

  • EPTC

  • Ethoprop

  • Ethylbenzene

  • Ethylene Dibromide (EDB)

  • Fenamiphos

  • Fenarimol

  • Fluorobenzene

  • Fluridone

  • gamma-Chlorodane

  • Glyphosate

  • Halo acidic Acids (HAA5)

  • Heptachlor

  • Heptachlor Epoxide

  • Hexachlorobenzene

  • Hexachlorobutadiene (CCC)

  • Hexachlorocyclopentadiene

  • Hexazinone

  • Isopropylbenzene (Cumene)

  • Lindane (Gamma-BHC)

  • Merphos

  • Methiocarb

  • Methomyl

  • Methoxychlor

  • Methyl Paraoxon

  • Methyl tert-Butyl Ether (MTBE)

  • Metolachlor

  • Metribuzin

  • Mevinphos

  • MGK 264

  • Molinate

  • Monochlorobenzene

  • m-Xylenes

  • Naphthalene

  • Napropamide

  • n-Butylbenzene

  • Norflurazon

  • n-Propylbenzene

  • Oxamyl

  • o-Xylene

  • Pebulate

  • Pentachlorophenol

  • Picloram

  • Prometon

  • Prometryn

  • Pronamidea

  • Propazine

  • p-Xylenes

  • sec-Butylbenzene

  • Simazine

  • Simetryn

  • Stirofos

  • Styrene

  • Tebuthiuron

  • Terbacil

  • Terbufos

  • Terbutryn

  • tert-Butylbenzene

  • Tetrachloroethylene (PCE)

  • Tetrahydrofuran (THF)

  • Thiobencarb

  • Toluene

  • Toxaphene

  • trans-1,2-Dichloroethylene

  • trans-1,3-Dichloropropene

  • trans-Nonachlor

  • Triademefon

  • Tribromoacetic Acid

  • Trichloroacetic Acid

  • Trichloroethene (TCE)

  • Trichloroethylene

  • Trichlorofluoromethane (CFC 11)

  • Tricyclazole

  • Vernolate

  • Vinyl Chloride

HEAVY METALS:

  • Aluminum (>75%)

  • Antimony (>97.5%)

  • Barium (>80%)

  • Cadmium (>99.5%)

  • Cobalt (>95%)

  • Chromium (>95%)

  • Chromium 6 (>99.85%)

  • Copper (>95%)

  • Lead (>97.5%)

  • Mercury (>98%)

  • Molybdenum (>90%)

  • Nickel (>95%)

  • Vanadium (>87.5%)

ALSO, REMOVES OR REDUCES:

  • Arsenic (>99%)

  • MBAS (>96.67%)

  • Nitrites (>95%)

  • Selenium (>97.5%)

  • Thallium (>99.5%)

  • Rust, Silt, Sediment, Turbidity, Foul Taste, and Odours

Best Cold Prevention You’ve NEVER Heard Of!

Everybody knows that Christian is sick for 90%   80%   75 % of the year.

Not kidding.

So we had to research about why he got sick so easily and why I hardly got sick. (Christian says my immune system is stronger than his because I was dirty as a kid) There had to be something else we could do, we couldn’t live like this forever!

I was tired of him staying home from work, lying in bed with the blanket all wrapped up, wearing a winter toque even in the middle of summer. Who gets the flu in the middle of summer?!

Christian did.

His coughs were unbearable to listen to and I also had to listen to these same sentences E-V-E-R-Y single time he got sick: “This is it. I’ve never been this sick before. I think I’m dying.. *Cough* *Hack* If I live through this I’ll be nicer to you. Thank you for taking care of me.”

Remember. I said that he is sick for 75% of the year? Well, let’s say my best friends are coffee during the day time and sleep during the night. His is cough candy and cough syrup.

And, we did it! We found something that TOTALLY changed both his life and my life. Thank goodness! Ready for it?

…..
….
..
Liquid fish oil.

YES.

One measly teaspoon of liquid fish oil each day at dinner time/before bed is all that it took to save me from taking care of a stuffy, coughing, toque wearing person, for 75% of the year him from his lifetime of being sick.

We have all been taking one teaspoon each day for the last 1.5 years, even the kids, and none of us has been sick enough to actually need to take time off of school/work. Runny noses, yes, but that is it!

The taste? It actually tastes good.  Niklaus’ favorite is Lemon Cake & Anja’s favorite is Grape Fruit

OS0150_CC_Omega3Lemon_WN_CEF-1

What does Omega 3 do?

By taking Omega 3 regularly before you get sick, your body doesn’t have to work as hard or as long to fight against the virus infection versus if you hadn’t taken Omega 3 regularly prior to getting sick.

It is important you take liquid fish oil and not fish oil capsules because you have to take 20+ capsules a day to get the same dosage as one teaspoon of fish oil. (We have been taking fish oil capsules for the last 8.5 years and Christian was still constantly sick. We switched to liquid and ta-da! No more colds.)

The absolute best fats for your brain is Omega 3 fatty acids. It helps prevent inflammation and preserve cognitive function. It also helps ward off stress, anxiety and depression. It lowers your risks of developing heart disease, arthritis and can even make it hard for cancer cells to survive. There are different types of Omega 3s but the important ones are:

  • DHA = cognition/”think better”
  • EPA = mood/”feel better”

Omega 6 to Omega 3 Ratio

Getting enough Omega 3s is good but you also want to minimize Omega 6s which can actually promote inflammation and serious health problems. Most diets contain too much omega6 (processed foods and refined vegetable oils) in comparison to the omega3s

The ideal ratio of omega6 to omega3 ratio is 2:1 but most North Americans are estimated getting-16 times more omega6 than omega3 leading to more of the following: depression, anxiety, inflammation and brain fog. Need to fix your brain fog? Check out this book

Now that you’ve learned about Liquid Fish Oil vs fish oil capsules and Omega6 & Omega3 ratios go home and take MORE capsules than what is recommended on the bottle, finish it and go and pick up some liquid fish oil. Remember to:

  1. compare the DHA & EPA mg per teaspoon
  2. check the rest of the ingredient list and chose one with the shortest list as possible
  3. make sure that the non-medicinal ingredients are non-GMO natural sweeteners/flavors like monk fruit and lemon oil
  4. use it daily
  5. shake VERY well or else you’ll be getting only the natural sweetener near the end of the bottle
  6. keep it in the fridge because it will slow down oxidation

OS0150_CC_Omega3Lemon_WN_CEF-1

 

 

But wait, we’ve done the work already and we’d like to share! Niklaus’ favorite: Lemon Cake & Anja’s favorite: Grape Fruit 

(Disclosure: Links to products are affiliate links. If you make a purchase after clicking a link, we may receive a commission. This commission comes at no charge to you. Thanks for supporting SwissBooks & Anja’s Plate to get some good information out to people like you!)

 

Beating the Intellectual Yet Idiot

When you study a multitude of successful people, the path to success may not be so simple, clear and defined. A clearer set of rules is given to you by finding someone you absolutely do not want to end up like and then do the opposite:

Intellectual Yet Idiot (coined by Nassim Taleb) What to do instead
Waste time. Take longer only to get a worse outcome. Time is the only asset you can never get back- don’t waste a second. Hone skills minimum of 9 hours per day.
Spend 9 years getting two Bachelor degrees without leaving with any leveragable skills will leave you working at a soul crushing job to pay off student loans. This life is 100x harder to fix.  “Routinely fails to make a distinction between an institution (say formal university setting and credentialization) and what is the true aim is (knowledge, rigor in reasoning).”-Taleb Most people should skip University altogether unless you attend an elite school (no not UofA) and have skills leading you to an Engineering career.  Make the most of your time by getting the best grades in the shortest time so you can start your career ASAP.  Otherwise exhaustively learn code online or learn a trade.
Prefer jobs “do X then do Y then do Z”.
“Main skill is the capacity to pass exams written by people like them. They can’t tell science from scientism — in fact in their image-oriented minds scientism looks more scientific than real science.”-Taleb
Revenue generating creativity: hard to replicate skills. Capable of independent thought not relying on the blind leading the blind.
“The IYI pathologizes others for doing things he doesn’t understand without ever realizing it is his understanding that may be limited.”-Taleb Laugh at statistics that argues about the effectiveness of water fluoridation  lowering dental cavities, missing the point dental cavities could be prevented in other ways without exposing children to a potential downside.  “Doing nothing is quite often preferable (via negativa)” -Taleb

ONLY TWO CHOICES IN LIFE: DISCIPLINE OR REGRET:

Regret @ age 30 Discipline @ age 30
They “could” be in the same position as you if they “wanted to” and are “successful in their own right” or will be “successful in the future”.  Triggered by a different opinion. Smile, nod and agree. But no sympathy for those who created their own mess.
“Modern” family. Keeping at with the Joneses. “Traditional” family. Complete freedom.
THUT data capture technology extracts data from bank, credit card and online statements and allows for automatic bank reconciliation.
THUT uses artificial intelligence to locate and extract line item and tax summary data from receipts and exports it into a csv file.
Cleansing algorithms allow it to extracts transactional data that is 100% accurate.
Send us your prior financials and we will prove to you how our value is unrivaled in Canada.
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