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Bone Injuries (Broken)

Broken Bones Treatment

• Do not move the injured part.
• Treat and stop wound bleeding if any.
• Do not apply pressure on the wound if the bone protrudes through the skin.
• Make a splint by strapping a piece of wood, thick paper, newspaper, etc above and below the broken bone or joint.
• If no splint is available, secure the injured part to an uninjured part of the body.
• Seek further treatment.

Are You Prepared for Accidents and Emergencies?

Wound and Bleeding
Treatmentt of Minor Wound

• Pour some water on the wound and dry it with a clean cloth.
• Clean the area around the wound with a cotton swab or clean both that is soaked in a mixture of water and soap or antiseptic.
• Cover the wound with a clean cloth or plaster.

Controlling the Bleeding

• Stop the bleeding by placing a clean cloth on the wound and applying pressure with your fingers.
• When the bleeding stops, cover the wound with a clean cloth.
• If a foreign object such as a nail, glass or knife is still embedded in the wound, do not apply pressure. Cover the area around the object with a clean cloth and seek further treatment
• If an arm or leg is injured, elevate it above the level of the heart to reduce pressure.
• If the wound is deep and bleeding profusely, seek further treatment.
• Do not use the Tourniquest technique because it may cause more harm than good.

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KLCI posts new record today

As of 9 November 2010, the FTSE Bursa Malaysia KL Composite Index posted a new record high of 1,526.53 points. This is a good news for some people, especially those who invest in stocks, mutual funds.

One of my client invest in a mutual fund in Malaysia. The fund focus in blue chip stocks listed on Bursa Malaysia. As of 9 November 2010, the fund has 73.9% return. She invested the fund in December 2008, when KL Composite Index was about 870 points.

This is a good case study to show everyone that we must grab the opportunity to invest when the stock market is low. So... get ready your "bullet$$$" for the next opportunity.

Dollar Cost Averaging

"If I have noticed anything over these 60 years on Wall Street, it is that people do not succceed in forecasting what's going to happen in the stock market" - Benjamin Graham, author of "The Intelligent Investor"


Dollar cost averaging is an investment technique intended to reduce exposure to risk associated with making a single large purchase by investing a fixed amount on a particular investment, such as mutual fund, at regular basis.

Here's how it works. You don't have to invest lump sum of $18,000 and bear the risk of entering when the market is high. In this example, the average cost per unit is 0.2119, the value of the fund is $18,125.

Month	Investment Amount	Price / unit	Units Purchased
Jan	$1,500	0.2544	5,896
Feb	$1,500	0.2465	6,085
Mar	$1,500	0.2356	6,367
Apr	$1,500	0.2458	6,103
May	$1,500	0.2245	6,682
Jun	$1,500	0.2156	6,957
Jul	$1,500	0.2056	7,296
Aug	$1,500	0.1845	8,130
Sep	$1,500	0.1756	8,542
Oct	$1,500	0.1834	8,179
Nov	$1,500	0.1956	7,669
Dec	$1,500	0.2134	7,029
Total	$18,000		84,934

Dollar cost averaging is a long term investment strategy. You may set automatic deductions from your paycheck every month to invest.

"Those who put an investment programme in place will have a lot more money when they come to retire than those who never get around to it." - Noel Whittaker, Australian financial author.

Gold Price Set New Record High

Gold set another record high on 5 November 2010. Currently $1395.60 per ounce in New York Spot Gold Chart. Some analyst expect the price to continue to climb to $1450 per ounce by end of 2010.

Source from kitco.com