Eight Lessons from 2018

  1. Precisely define the one-point vision for your business.  We save our customers the maximum on the only costs that matter.  Why does your business exist?  Your one-point mission for your nail salon may be to help your customers feel their best every day with clean fingertip fashions. Or make your healthy and flavourful signature broth at an elite level in terms of both quality and speed.  Your business will do well if you are happy making customers happy.
  2. Focus on recurring revenue by being undesired by the undesirables.  We have managed to net our client retention rate to 99% by appearing unappealing to those customers who don’t appeal to us. Another option could be as simple as maintaining a high-end atmosphere.
  3. Know your enemy.  We decided THUT Wealth would be completely different, the anti-accountant.  Once you know your enemy, you’ll know what you need to do. Depending on your business it may be something as simple as scaling your signature clean look (white surfaces).
  4. Half your enemy’s menu is better than a half-assed menu.  Solve scalable problems and leave more unique problems to your enemies.
    1. Have fewer service/menu/product items. Which item has the least interest? Determine which item you would remove if you were forced to remove one.
    2. Fewer options/decisions for your customer
    3. Fewer employees. If you are understaffed 2 weeks of the year, apologize to customers but don’t use it as a reason to overhire.
    4. Fewer phone calls.  E-mail is scalable and has more info per minute and forces everyone to get to the point and save time.
  5. Customer Acquisition.  The more customers you buy (ex. paid traffic on Facebook, Google), the more expensive it is to buy (non-linear).  Ultimately, $1,000 spent on making a great product/productified service will generate more revenue through referrals than the same $1,000 in advertising. That said, influencers matter.  Rather than buying traffic, seek out people who can refer you more customers that share your vision.  Everyone is either with you or against you.
  6. Influencer attraction.  Our best marketing has been the blog posts we have created on our own unique data on B2B, e-commerce, restaurants, and salons. Blog, instagram and make you-tube videos that do something for your influencers and customers.
  7. Priorities. Why don’t we have a log-in for customers? Why didn’t you shop around? Why didn’t we buy a Hyundai? Because none of it matters.  Our most successful customers are the ones that have priorities and consequently do not waste time on decisions that have less than a 10% change in their total income. All non-urgent decisions are ignored for 2 days and if it’s still an issue in 2 days, we’ll make a quick analysis and decision in less than 15 minutes by turning every decision into 2+ defined choices.
  8. Decision-fatigue. In addition to making meaningless decisions quickly, decisions can be reduced with daily and weekly routines & menus.  Costco may not be the best for everything, but there is rarely a good enough reason to make a trip anywhere else. At most, go to Costco only once a week or replace it altogether with a scheduled biweekly shipment from another vendor. Avoid anything else, like shopping, that is energy draining and has too much stimulus, noise, and decisions.

If you have the interest to go into the details of the math behind these eight lessons please read on:

  • Wealth Inequality in Canada  WE NOW LIVE IN A WOLRD OF HAVES AND HAVE NOTS Canada is in the bottom quartile of peer countries in terms of wealth disparity.   WE ARE ENTERING A NEW ERA OF MASSIVE INEQUALITY Wealth inequality in Canada has increased over the past 20 years. Each year the Canadian middle-class loses its’ share of […]
  • Business Travel Expenses  You may claim an annual shareholders meeting as long as its reasonable (ie. Banff, Las Vegas for those us in Alberta or 2500km from your corporate home base). In addition to this, you are allowed to fully deduct all expenses related to attending 2 conventions per year. Other trips can be partially written off (prorated for […]
  • Dividends vs. Bonuses  Reading a bunch of articles on the internet, an uninformed person may make the conclusion that dividends trump wages every single time. Although accountants would have you believe they have the magic sauce to navigate their world, their world is governed by the same laws that govern the rest of the universe: math and its […]
  • 4 Focuses to make $200+/hour after-tax  Even without fast food or a salon, you can still make $200+/hour AFTER-TAX as a middleman. What do you sell? You either sell AI, equipment (industrial/medical/data center), houses, vehicles, or something scalable online. After processing over $2.8 billion in transactions over 10 years, four definitive conclusions is that you need to focus 1) […]
  • Quickbooks Online vs. THUT Accounting  As Certified QuickBooks Proadvisors we have met many clients who have intended to do their books on a daily basis, but life gets in the way, and depending on how many transactions occur on your synced accounts, even failing to match the transactions after a couple days can lead to a mess. And if you […]
  • 3 reasons why I started a business in Edmonton  I run an Accounting Sofware-as-a-Service business based in Edmonton. Accountants are all about cost-cutting, but the truth is that it’s all worthless compared to the big 3: taxes, housing, and payroll. Our mission is to reduce costs by 15-25% for businesses with recurring revenue. Please reach out to us at help@christianthut.com 1. Taxes Combined, the […]
  • How much taxes should I expect to pay?  Remit the net of the GST you collect on your invoices less the GST you pay on purchases every quarter (or if you are eligible and it works out for you remit 3.6% of your total invoices every quarter in accordance to the quick method accounting. Prepare to pay 12% corporate tax on your net […]
  • Part 2: Get Big, Stay Lean: A How-To Guide For Clean Bulkers  Before looking to grow you need to get lean first.  Once you have downsized until the marginal costs of outsourcing exceed the cost of doing it internally, you are ready to get big. Contrary to popular belief, you can get big without becoming inefficient. Here’s how to get the best results from your bulking plan! Spend more! Most people focus […]
  • Part 1: Get Lean before Bulking  What happened to THUT? At its height, we employed 6. Today, with more and larger customers, there is only 1 employee.  In order to grow, older companies (4+ years) need to get lean first: downsize until the marginal costs of outsourcing exceed the cost of doing it internally. Staying lean is key to operational efficiency.  For […]
  • Scale, Derivatives & the Most Important Ratios  Since we have agreed that math is the key to escape the middle class, we must go further to how to apply math in your business. Everything operates on first and second derivatives, marginal effects, and ratios. Algorithms are the key to scale: Find a problem that you can address that will bring value to customers. Re-frame […]
  • Math to Escape the Middle Class  Being part of a certain profession, or earning a certain amount of money does not ensure your exit from the middle-class.  Most people are stuck there because of math. We focus on the only 3 sources of negative cash flow that matter: taxes, housing and in the case of a scalable business – payroll.  Even […]
  • Investing Philosophy Updated for 2018  For the past 10 years, I was a strong proponent of dollar cost averaging. But our bull market will come to an end in this 4th turning. As of this writing,  Bank of Canada rate is only 1.25%. In 7 months we expect it to be at 1.75%.  With historically low-interest rates housing prices have […]
  • Man’s best friend: Dog Not Wolf (Employees vs contractors)  “If one holds his state based on mercenaries, he will be neither secure nor peaceful; for they are divided, disloyal, ambitious and without discipline… they have neither fear of God nor are loyal to fellow men.” – Niccolò Machiavelli Substitute state with company and mercenaries with contractors as you see that there is a misalignment of […]
  • ChatBots for Mass Market Businesses  Keeping true to our focus on minimizing payroll costs, Blockchain-enabled AI Bots are more cost-efficient than employees, available 24/7, have a quicker response time and will result in more sales. By using blockchain technology there will be a ledger of each customer’s conversation with the ChatBot in the event there is a problem. Online product sales: Chatbots should […]
  • Customer is King  The most important things in valuing a business are detailed financial records, well-documented operations (SOPs) and customer metrics: the long-term value of the customer, the cost of acquiring customers, revenue, and lost customers. Last week a dozen of our customers were listed as 2018 Golden Fork winners so we will start with the fast food group: […]
  • Math Hacks for Your Business  Location Due to mathematical clustering and conformity, the closer you are to your highest-grossing competitor, the more likely it is you will get half their customers upon opening. If you follow the rest of the advice in this blog and have multiple sources of income, to begin with, you ride out the zero-sum game until you […]
  • Running a Nail Salon  What are the three most important performance metrics? The lifetime value of a customer is king, and the three things that drive it at salons are client retention technician retention and retail sales per client. Client retention. Repeat customers generate a higher return on every dollar spent getting them in the door. Having a client […]
  • Lifestyle design for 2018 and beyond  There is too much choice and we all suffer decision fatigue. The start of the year is a good time to plan out the rest of the year. Life is too short to spend time shopping – shop as little as possible and have your necessities automatically delivered to you in a biweekly shipment. Likewise, […]
  • How Does Your Income Stack Up?  Do you know how well you’re doing income-wise? Many of us have no accurate idea because we don’t know how much our peers earn. While constantly comparing yourself to others may lead to unhappiness, you should know where you stand because it dictates your strategy going forward. If you don’t know where you are today, […]
  • Top 2 Profitable Purchases of 2017  2017 isn’t over yet but I guarantee that nothing else I buy in the next 3 months could surpass these 2 products. Read on if you want to: save time for what’s REALLY important save energy maximize your productivity and efficiency BACKGROUND I have two kids, a 3 year old and 5 year old, which […]
  • Choosing Your Market & Pricing  There are only two markets you need to know: The top 20% (controls 70% of Alberta’s wealth) Average women Where is the average men? They simply don’t count in Alberta– their women control their money -so unless you are targetting the high-end market direct your efforts directly to women! How do you pick your market? […]
  • 5 Rules To Keep Your House From Being A Bad Investment  If the housing market has a positive outlook you can consider a home less than 2.5x your gross annual household income if you make a 20% down payment.  If you can make a down payment of at least 30% you could consider a home that costs up to 4x your gross annual household income. Consider […]
  • Double Your Money  If you put $C ($500,000) into investments that pays r% (3%) each period, then after n (24 years) periods the amount of money will be P ($1,016,397). (Example is italicized) P = C (1 + r/n) nt where     P = future value     C = initial deposit     r = interest rate (expressed as a fraction: […]

 

 

 

 

 

Advertisements

Quickbooks Online vs. THUT Wealth

Many customers ran into issues that QuickBooks Online (QBO) could not address, so they were happy to switch to THUT Wealth.

THUT Wealth replaces 2+ vendors (bookkeeping + taxes).  While QBO requires you to hire an accountant to compile the corporate tax return.  If your business is e-commerce, fast food or a nail salon, then THUT Wealth will be much more economical.

QBO is still not entirely automated and is only as a good as its user.  The categorizing of programmed transactions is automated, but in addition to clicking match, you will need to do monthly bank and credit card reconciliations.  We need to reiterate that 1 error in matching or doing the reconciliation wrong will compound errors throughout the file.

If you made 2 sales and deposited the proceeds together at your branch in one lump sum, Quickbooks Online (QBO) is not smart enough to match the 2 received payments to the 1 deposit.

Even as ProAdvisors, if we set up all the “rules” in Quickbooks, you as the user will still need to click “match” when your bank says 1 transaction found.  If you never “lump” your deposits together (more than 1 sale physically deposited into the bank), this will minimize your problems. (meaning, 1 deposit for each sale)

Summary for QBO
  1. Never lump deposits
  2. Never let your account be disconnected from your bank (or you will lose transactions which automatically downloads and you would need to manually type in each one)
  3. Daily: match transactions
  4. Weekly: keep in touch with your ProAdvisor with any problems before they compound
  5. Monthly: account reconciliations
  6. You’ll still need another vendor, an accounting provider (plus if they are a Certified Quickbooks ProAdvisor) to compile the corporate tax return.

While QBO is the most popular cloud accounting solution, THUT Wealth is a 3-step AI:

  1. Autonomous data extraction with THUT AI Extractor

    THUT extracts data from receipts, bank and credit card statements with deep artificial neural network technology.  Cleansing algorithms allow it to extract transactional data that is 100% accurate (saves 90% of the time taken by accountants).

  2. Process transformation with THUT Neural Network Technology

     

    THUT Neural Network Technology automatically allocates invoices and receipts to financial accounts. All your bookkeeping is done instantly without error-prone human work. Neural network technology can deduct autonomous models by recognizing data in large historic sets.  Our deep learning modules are trained on $2.9 billion of validated transactions to deliver autonomous results that continuously improve.  We use mathematical optimization algorithms to save you money. As with all convex mathematical functions, there is only one minimal value that describes the combined taxes in terms of its variables.

  3. Reporting with THUT Autonomous Technology

    You receive your clear and thorough reporting package in PDF with full-text search and we file everything with the Canada Revenue Agency- on-time and with the best result (unlike humans, algorithms are never wrong). We have countless proof of Edmonton’s biggest firms making costly mistakes.  Their reliability is significantly affected by physical, mental, and emotional states (robots perform flawlessly and don’t need to sleep and recuperate).

Which one is right for you?

Use your pre-tax income to calculate your pre-tax hourly rate (since Accounting is paid for with pre-tax dollars).  If THUT Wealth’s AI cost less than your hourly rate than THUT is for you.  If THUT Wealth costs more than your hourly rate than Quickbooks Online is right for you.

Once you make more than the average person, it does not make sense for you to specialize in something that is not directly related to your ability to generate revenue. This is because of the minimum efficient scale.

 

Don’t Swallow Fluoride to Reap its Benefits

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

Ghế Xe Car Seat cho trẻ em -Xoay ghế về phía sau càng lâu càng tốt

ENGLISH HERE

Christian cao 6’1 ft và em 5’5. Không dễ dàng tìm chỗ ngồi cho trẻ em để chúng tôi có thể sắp xếp chúng trong xe của chúng tôi mà không làm phiền ghế lái xe. Sau khi nghiên cứu, chúng tôi quyết định mua hai chiếc ghế trẻ em Clek Fllo. Thông tin chi tiết về nghiên cứu của chúng tôi được liệt kê dưới đây cho Fllo, Foonf và Oobr và lý do tại sao chúng tôi vẫn tiếp tục xoay ghế của Niklaus (3 tuổi) về phía sau. 

Những ghế Clek rất an toàn, dễ cài và có một dấu chân nhỏ. Trước đây chúng tôi chỉ có thể cài ghế của Anja (5 tuổi) phía sau Christian và ghế của Niklaus cài phía sau passenger chỗ ngồi passenger vì thế ghế trung tâm không sử dụng được. Bây giờ, có thêm một chỗ ngồi phía sau Christian. 

Thông tin an toàn cho trẻ em

Xoay ghế của đứa trẻ về phía sau càng lâu càng tốt. Tuổi trung bình ở Thụy Điển (Sweden) để giữ trẻ em ở mặt sau là 4 đến 5 tuổi, điều quan trọng chúng ta theo dõi chúng vì Sweden có tỷ lệ tử vong trẻ em (child mortality rate) thấp nhất trên trái đất. 

Sau khi xoay ghế của đứa trẻ về phía sau càng lâu càng tốt, Xoay mặt hướng về phía trước (forward) càng lâu càng tốt (cho đến 8 tuổi nếu có thể) và sau đó sử dụng ghế booster (cho đến 12 tuổi nếu có thể). 

Các bài báo được liệt kê dưới đây:

  1. Tạp chí Y học Anh  British Medical Journal (BMJ) năm 2009 đưa ra lời khuyên rằng trẻ nhỏ xoay ghế về phía sau cho đến khi 4 tuổi

  2. Một bài báo khác của BMJ về phòng chống thương tích cho thấy những trẻ từ 1 đến 2 tuổi an toàn hơn năm lần trong tai nạn xe khi ghế xoay về phía sau so với mặt hướng về phía trước

  3. Học viện Nhi khoa Hoa Kỳ American Academy of Pediatrics (AAP) và Cục Quản lý An toàn Giao thông Quốc gia The National Highway Traffic Safety Administration (NHTSA đề nghị) khuyên trẻ em xoay ghế về phía sau cho đến khi chúng quá cao hoặc quá nặng đối với chỗ ngồi của xe hơi chuyển đổi – cho đến ít nhất là 2 tuổi, nếu có thể.

  • Clek Fllo child car seat (Em đã chọn chiếc ghế này cho Anja và Niklaus – Sử dụng đến khoảng 8 tuổi)

  • Clek Foonf child car seat (Ghế này to hơn Fllo nhưng vẫn an toàn như Fllo )

  • Clek Oobr Booster seat (Đây là ghế Booster Anja và Niklaus sẽ sử dụng khi quá lớn cho ghế Fllo – Sử dụng đến khoảng 12 tuổi)

Các chi tiết của Fllo, Foonf và Oobr được liệt kê dưới đây.

Tại sao nên mua Ghế Clek Fllo hoặc FoonfĐây là 2 trong số những chiếc ghế Convertible Car Seat xuất sắc nhất được bán ở Canada. Tại sao?

  1. Những chiếc ghế này có thể được sử dụng từ khi chúng còn nhỏ đến khoảng 8-10 tuổi (10 nam expiry)

  2. Những chiếc ghế convertible child seat này cho phép bạn để mặt sau lên đến 40 lbs ở Canada với chiều cao từ 25-43 “(cho tới ngày sinh nhật 4!)

  3. Giới hạn xoay về phía trước với trọng lượng là 22-65lbs và chiều cao 30-49 “.

  4. Có một Anti-rebound bar để sử dụng để giúp ổn định và hạn chế xoay vòng ghế an toàn, giúp bảo vệ con bạn tốt hơn.

  5. Ghế củng cố bởi một cấu trúc thép và magiê (Reinforced by a steel and magnesium sub-structure)

  6. Vật liệu hấp thụ năng lượng đầu gối FOAM được kết nối với khung bằng thép đòn để bảo vệ tác động bên. (Energy absorbing foam-lined headrest which are connected to the frame with STEEL RODS for side impact protection.)

  7. Ngoài ra còn có các lớp FOAM (energy absorbing foam) thụ năng lượng cả bên trong và bên ngoài khung để hấp thụ năng lượng từ va chạm tác động bên.(There are also energy absorbing foam layers BOTH inside and outside of the frame to absorb energy from side impact collisions.)

  8. Chiều nhỏ hơn (chiều rộng hẹp) để bạn có thể lắp 2 hoặc 3 ghế vào xe của bạn (dưới 17 “ở điểm rộng nhất và 13” ở chân đế)

  9. Dễ dàng cài đặt, không lung linh!

  10. Thoải mái khi lái xe dài. Hầu hết các ghế xe khác là nhựa với lớp lót vải mỏng / bọt. Tại sao chúng ta có thể ngồi trong ghế xe thoải mái trong khi trẻ em của chúng ta ngồi trên nhựa cứng?

  11. Foonf và Fllo khá giống nhau nhưng Fllo nặng 13lbs nhẹ hơn Foonf. Vì vậy, chúng tôi đã chọn Fllo, mà cũng cung cấp khả năng hiển thị tốt hơn ra khỏi cửa sổ phía sau bởi vì nó có một cấu hình thấp hơn.

Tại sao nên mua Ghế Booster Oobr

  1. Chiều cao / Trọng lượng hạn chế: 40-57 “chiều cao và trọng lượng 40-100 lbs

  2. Ghế nâng lưng toàn phần

  3. Có thể Điều chỉnh đầu headrest 

  4. Có thể ngừa lại khi con bạn đang ngủ

  5. Có thể tháo lắp lưng để tăng cường backless cho trẻ lớn hơn

  6. Các lớp bọt (energy absorbing foam) hấp thụ năng lượng giúp cho con bạn ít bị lực hơn

  7. Cấu trúc kim loại – khung magiê (Metal sub-structure – magnesium back frame)

  8. UAS cứng khóa ghế vào vị trí cung cấp sự ổn định thêm (ghế Booster khác không có này!)

  9. Âm thanh “CLICK” để bạn biết bạn đã cài đặt đúng

  10. Được đánh giá cao nhất “Best Bet” trong 4 năm liên tiếp bởi Insurance Institute for Highways Safety (IIHS)

  11. Kết cấu headrests với cánh sâu cánh kết nối với khung magiê với thanh thép để cải thiện bảo vệ đầu. (Structural headrests with deep side wings that connect to the magnesium frame with steel rods for improve head protection.)

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!)

 

Child Car Seats & Why Rear-face as long as possible

Christian is 6’1 ft tall and I am 5’5. It is not easy finding child car seats so we can arrange them in our car without it bothering the driver seat.  After EXTENSIVE research we decided upon purchasing two Clek Fllo child car seats in Noire . Details of our research are listed below for the Fllo, Foonf and Oobr and the reasons for why we still rear-face our 3 year old.

Our 3 year old, Niklaus, is REAR facing behind the my passenger seat and our 5 year old, Anja, is forward facing in the center. These car seats are safe, easy to install and have a small footprint. Previously we could only fit Anja forward facing behind Christian and the center seat was not use-able. Now, there is an extra seat behind Christian. (Pictures will be added later)


Why Rear-Face your child as long as possible? 

Rear-face your child as long as possible. The average age in Sweden to keep children rear-facing is 4 to 5  years old it is important that we follow them as they have the lowest child fatality rate on Earth. After rear-facing as long as possible, forward-face as long as possible (until 8 if possible) and then use a booster seat. Facts/articles listed below:

  1. The British Medical Journal (BMJ) 2009 article advises that young children travel in rear facing seats until they are 4 years old
  2. Another article from the BMJ in Injury Prevention shows that 1-2 year olds were 5X SAFER in side impact crashes in the rear-facing position vs forward-facing
  3. The American Academy of Pediatrics (AAP) and The National Highway Traffic Safety Administration (NHTSA recommedations PDF) recommend children remain rear-facing until they are too tall or too heavy for their convertible car seat – until at least age 2, longer if possible.
  4. Here is a New York Times article with more information about rear-facing

 



  • Clek Fllo child car seat(this is what have for Anja and Niklaus)
  • Clek Foonf child car seat (this is the larger version of the Fllo) – same safety
  • Clek Oobr Booster seat (this is what we’ll use once they outgrow the Fllo seats)

(affiliate links for your convenience)

Details of the Fllo, Foonf and Oobr are listed below.



These are two of the most impressive convertible car seats sold in Canada. Why?

  1. Extended rear-facing installation: These convertible car seats let you rear face up to 40 lbs in Canada with 25-43″ in height (until their 4th birthday!)
  2. Forward facing weight limit is 22-65lbs and 30-49″ in height.
  3. There is an Anti-rebound bar for use in rear-facing mode which helps stabilize and limits rotation of the car seat, further helping protect your child.
  4. Reinforced by a steel and magnesium sub-structure
  5. Energy absorbing foam-lined headrest which are connected to the frame with STEEL RODS for side impact protection. There are also energy absorbing foam layers BOTH inside and outside of the frame to absorb energy from side impact collisions.
  6. Smaller footprint (narrow width) so you can fit 2 or 3 car seats into your vehicle (under 17″ at it’s widest point and 13″ at the base)
  7. Easy installation, fits snuggly, does not wiggle! I spent way too much time fitting in our old child-seats, making sure they don’t wiggle around on the car seats.
  8. Comfortable for long rides. Most other car seats are plastic with a thin fabric/foam lining. Why do we get to sit in comfortable car seats while our children sit on hard plastic?
  9. When the headrest is fully extended the shell is 26″ in shell height while most others top out at 24″. This means your child won’t outgrow the child seat by weight before height.
  10. Foonf and Fllo are pretty much the same but the Fllo weighs 13lbs lighter than the Foonf. So we chose the lighter of the two child seats which also provides better visibility out of the rear-windows because it has a lower profile.
  11. We don’t let our kids snack/drink in the car because we don’t drive long distances but these seats are Greenguard Select Certified and provide protection against stains, moisture, odor-causing bacteria and are free of brominated & chlorinated flame retardants


Why buy the Clek Fllo?

  1. The smaller version of the Foonf
  2. Integrated flip foot for rear-facing
  3. Features crumple zones through its Energy-Absorbing Crumple Technology, or EACT safety system (Aluminum Honeycomb Safety System) designed to reduce the forces to a forward-facing child in a collision
Seating Depth 12.5 in.
Harness-Slot Height 8–17 in.
Width 13–17 in.
Fore-Aft Measurement in Rear-Facing 32.5 in.
Height Measurement in Rear-Facing 23.5–27 in.
Fore-Aft Measurement in Forward-Facing 24 in.
Height Measurement in Forward-Facing 26–31 in.
Seat Weight 25 lb (28 lb with Anti-Rebound Bar)

 



Why buy the Clek Foonf

  1. The larger of the 2 car seats from Clek
  2. The REACT Safety System integrated into every Foonf protects your child like crumple zones in cars.
Seating Depth 12.5 in.
Seating Height 21.5–26 in.
Harness-Slot Height 8–17 in.
Width 13–17 in.
Fore-Aft Measurement in Rear-Facing 33 in.
Height Measurement in Rear-Facing 25.75–28.75 in.
Seat Weight in Forward-Facing 32 in.
Seat Weight in Rear-Facing 36 lb


Why buy the Clek Oobr?

Height/Weight restrictions: 40-57″ in height and 40-100 lbs in weight

  1. Full back booster seat with adjustable head rests
  2. Recline mode for when your child is sleeping
  3. Removable back for backless booster for older children
  4. Energy absorbing foam layers so less force is transmitted to your child
  5. Metal sub-structure – magnesium back frame
  6. Rigid UAS locks the seat into place providing extra stability (other booster seats do not have this!)
  7. Audible “click” so you know you’ve installed it properly
  8. Rated “Best Bet” for 4 consecutive years by Insurance Institute for Highways Safety (IIHS)
  9. Structural headrests with deep side wings that connect to the magnesium frame with steel rods for improve head protection.

Disclosure: this post contains affiliate links. 

Actionable Self-Improvement Books

  1. Antifragile: Things that Gain from Disorder – by Nassim Nicholas Taleb
  2. How an Economy Grows and Crashes – by Peter D. Schiff
  3. A Guide to Good Life: The Ancient Art of Stoic Joy – by William B Irvine

  4. A Guide To Rational Living


Books for Parenting

  1. Your Competent Child: Toward a New Paradigm in Parenting and Education – by Jesper Juul
  2. Way of the Warrior Kid: From Wimpy to Warrior the Navy SEAL Way
  3. The Little Prince – by Antoine De Saint-Exupery

  4. The Whole-Brain Child: 12 Revolutionary Strategies to Nurture Your Child’s Developing Mind
  5. The Conscious Parent: Transforming Ourselves, Empowering our Children– by Shefali Tsabary

  6. Out of Control: Why disciplining your child doesn’t work and what will – by Shefali Tsabary

  7. How to Talk so Kids will Listen & Listen so Kids will Talk – by Adele Faber & Elaine Mazlish

(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!)