Author: ultroni1

Leading an extravagant lifestyle is one of the root causes of bankruptcy among fresh graduates today, says Credit Counselling and Debt Management Agency CEO Azaddin Ngah Tasir.

According to The Star Online, Azaddin said there were graduates who thought nothing of swiping their credit cards in order to acquire the latest gadgets, cars, fashion or embark on holidays.

“Having just graduated and found a job, the generation aged below 30 embarks on a lavish lifestyle to keep up with peers.

“Such a journey without proper financial management only leads to massive debt and eventual bankruptcy,” he said at Universiti Sultan Zainal Abidin here yesterday.

Established in 2006, the agency assists individuals to take control of their financial situation and promote the wise use of credit.

As of April 30 this year, 15 per cent of the 429,588 clients seeking advice from the agency were individuals aged between 20 and 30, Azaddin said.

He added that 75 per cent of these individuals made below RM4,000 every month, while about 52 per cent had no clue about how to manage their own finances.

“However, only 150,706 people attended the credit management programme.

“Of these, about 80 per cent repaid their debts after it was restructured by the agency,” he said, adding that the others failed due to a “lack of discipline and resolve.”

Credit card debts consist about 70 per cent of the cases, followed by personal loans at 15 per cent and car and housing loans at 6 per cent, he said.

Azaddin also said that as of the end of April, the agency had successfully “rescued” 10,197 of its clients from bankruptcy, paying off debts totaling up to RM416.7 million.

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Brazilian football star Neymar is a party boy and he’s not going to apologize for it.

At a sometimes tense press conference on Tuesday at the facility where Brazil’s Olympic football team is training for the Rio Games, the Barcelona striker told reporters he would not change his ways.

“I’m 24 years old. (…) I have my faults, I’m not perfect. I like to go out and have fun with my friends. Why shouldn’t I go out and party? I don’t see why not,” Neymar said at the training camp in Teresopolis, outside Rio.

Growing increasingly irritated, the Barcelona star went on: “I really don’t see the problem. It’s my private life. On the pitch, I always give everything I have.”

One of the journalists had asked Neymar how invested he was in the national team, given a recent spate of suspensions and the fact that he went out clubbing after a 2-2 draw with Uruguay in the 2018 World Cup qualifying rounds — a match that saw him earn a yellow card.

Directly addressing the journalist, he said: “If you were 24… wouldn’t you be the same way? I’m asking you.”

Last week, Brazil’s Olympic coach Rogerio Micale surprised some when he said: “I want to be dependent on Neymar.”

The next day, national coach Tite — who will take over the Selecao after the Olympics — warned against putting too much pressure on Neymar, saying it was “inhuman to put all the responsibility on one person.”

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The high-maintenance lifestyles of fresh graduates has led to many finding themselves in financial debt even as young adults new to the job market, says the Credit Counselling and Debt Management Agency (AKPK).

Speaking at a press conference, the agency’s CEO Azaddin Ngah Tasir told reporters that this group often thought nothing of swiping their credit cards to support their lifestyles, which unfortunately led them down a “trail of debt.”

He said it was “not right” to borrow money – which was essentially what fresh grads ended up doing every time they used their credit cards to finance their luxury lifestyles.

“The loan interest is often very high. That’s why fresh grads can’t make ends meet when they start using credit or personal loans to finance their lifestyles.”

He said that debts accumulated by young adults often started with education loans, and were quickly followed by car loans when they start working and credit cards loans soon after.

“Some things are beyond our control. But what is within our control is our daily expenses.

“When you do not use credit cards wisely and instead use it to finance your lifestyle, it is going to become an issue.”

In a bid to tackle this alarming issue among young adults today, the AKPK launched a series of financial education videos for social media aimed at spreading awareness about the importance of prudent financial management.

Azaddin said social media was the agency’s platform of choice as statistics showed the average Malaysian above 18 years of age spent 20 minutes every day online watching videos.

“We are targeting this group to make sure they get the right information on spending wisely.

“Because with the income graduates earn, they cannot afford any missteps as it will lead to financial distress.”

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Dr K Parameshwaran, organising chairman of the 4th International Malaysia Spine Society (MSS) Scientific Congress which opened here today, attributed unnatural and bad postures while reading or holding up an apparatus as the main reason for the problem.

“There have been increasing computer-related medical conditions related to the spine, especially in the neck and the back,” he said at a press conference following the launch of the three-day event at G Hotel here.

“This is because of prolonged hours at the computer,” he added. “Children, especially, are spending very long periods of time in bad posture.”

Parameshwaran said it was important to raise awareness about this phenomenon, and advised that prevention was crucial.

“Prevention is still the best treatment,” he said.

He said the seriousness of the problem was highlighted from the personal observations of various spine surgeons, especially over the last five years.

MSS president Dr KS Sivananthan said spine specialists have come up with studies on postures and positions that are least problematic when using phones or computers.

He said most spine patients suffered due to work or sport-related causes, or because of degenerative age-related conditions.

He said there were currently about 120 spine surgeons in Malaysia and added that the medical tourism industry in the country stood to benefit further as local surgeons were reasonably advanced.

“The price of surgery in Malaysia is about a third or a quarter of what it would cost in developed countries,” he stressed.

“Also our spine surgeons are well trained. We also send them overseas for further training.

“So I can assure you that the standard of spine treatment in this country is quite advanced and comparable to any (developed) countries,” Sivananthan said.

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These extra years came in large measure thanks to a sharp drop in deaths from communicable diseases, especially over the last decade, said the Global Burden of Disease report, published in The Lancet.

Despite population increases, combined mortality from HIV/AIDS and tuberculosis — both major killers — fell by more than a quarter, from 3.1 million in 2005 to 2.3 million in 2015.

Over this period, annual deaths due to diarrhoeal diseases decreased by 20 percent.

And malaria mortality plummeted by more than a third, from 1.2 million in 2005 to 730,000 last year.

During that decade, life expectancy went up in 188 of 195 countries and territories.

At the same time, however, non-communicable diseases of all kinds — ranging from cancers to heart disease and stroke — claimed more lives, with the death toll rising from 35 million in 2005 to 39 million in 2015.

“As we live longer, the burden of non-communicable diseases is rising — along with the attendant costs of treatment,” Kevin Watkins, head of Save the Children UK, noted in a comment, also in The Lancet.

Many of the diseases on the rise are associated with ageing: cancers, coronary artery disease, cirrhosis of the liver and Alzheimer’s, among others.

The paradox is that even as lifespans grow, more people are spending more time in ill health of living with disabilities, the 100-page study found.

Centralising the expertise of nearly 1,900 experts, the report — coordinated by the Institute for Health Metrics and Evaluation at the University of Washington in Seattle — comes at the juncture between two major UN health initiatives.

The Millennium Development Goals (MDGs), set in 2000, set hard targets for reducing child and maternal mortality, and combatting key communicable diseases, by 2015.

A 15-year clock on a new set of Sustainable Development Goals (SDGs) — several of them health related — began running last year.

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Pick the right dessert

Diabetics don’t need to have to skip dessert, but they should definitely make wise food choices. Pick products that have a naturally low glycemic index to prevent spikes in blood sugar. Top fruits on that front are red berries (raspberries, strawberries, blackberries, blueberries), apples, pears, oranges, grapefruit, peaches and nectarines. Note that cinnamon can help lower blood sugar levels. It can be used to sweeten coffee or tea or sprinkled on yogurt or fromage frais.

Certain bakeries make cakes and cookies specifically for diabetics. These sweet treats typically contain half the amount of sugar, notably by using natural sugar substitutes. Still, they should only be eaten occasionally and always as part of a meal in order to limit the hyperglycemic effect.

Get cooking

Most diabetics know that they should avoid pre-prepared supermarket dishes and ready meals, which are often too high in fat and salt, and can be lacking in vitamins and minerals. Cooking from scratch with quality produce remains the best option. When it comes to grains, oats and barley are allowed. These cereals’ fibers are interesting for diabetics as they slow down the absorption of carbohydrates in the intestine and therefore help control blood sugar levels and insulin requirements.

Walk for 10 minutes after meals

Walking for 10 minutes right after eating could be more effective for controlling blood sugar than walking at another time of day, particularly after an evening meal, when blood sugar can drop by 22%, according to research from New Zealand. Current recommendations from the World Health Organization (WHO) recommend at least the equivalent of 30 minutes of moderate-intensity physical activity per day, five times a week.

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Carried out by researchers from Kent State University, the team set out to examine if the physically interactive smartphone game could increase activity levels and decrease sedentary behavior, such as sitting at work all day or too much time spent in front of the television.

High levels of sedentary behavior have already been shown in a variety of previous studies to have a negative effective on health.

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With 75% of millennials reporting acute pain (sudden pain which lasts less than three months) and nearly 60% reporting chronic pain (which lasts longer than three months), it is even more important that this group learns to manage their pain safely and effectively.

Following the results of the survey, and to help all generations including millennials manage their pain safely and effectively, ASA offer the following five tips.

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The review looked at common types of sitting meditation including Samatha; Vipassana (Insight Meditation); Mindful Meditation; Zen Meditation (Zazen); Raja Yoga; Loving-Kindness (Metta); Transcendental Meditation; and Relaxation Response.

The researchers chose to exclude studies on mind-body practices such as yoga and Tai Chi however, as the physical activity included in these practices already has an established positive impact on heart disease risk.

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High blood pressure is the main risk factor for stroke. Sticking to the recommended 5g of salt per day would involve spreading the intake as follows, for example: a serving of bread (1.5g to 2g of salt), a portion of cheese (1g), lunch (1g), dinner (1g). Avoiding eating too many products that contain salt — like ready meals, sauces, soups, cured meats — can already help reduce intake to 6/8 g per day. For example, if your meal includes a slice of ham, bacon or cured sausage, try switching cheese for yogurt or cream cheese.

Quit smoking

Smoking doubles the risk of stroke. To quit for good, specialist medical help — including cognitive behavioral therapy (CBT) and hypnosis — as well as support from family and friends will maximize the chances of success. Yoga, exercise and relaxation are recommended to deal with the mood-related side effects (irritability, depression) that often arise around three weeks after quitting.

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