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<channel>
	<title>It's All In The Planning!</title>
	<atom:link href="http://activeknights.org/ssquah/feed/" rel="self" type="application/rss+xml" />
	<link>http://activeknights.org/ssquah</link>
	<description>Financial planning - the engine of the world</description>
	<lastBuildDate>Mon, 30 Aug 2010 05:30:05 +0000</lastBuildDate>
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		<title>Snippets: stepping stones</title>
		<link>http://activeknights.org/ssquah/2010/08/snippets-stepping-stones/</link>
		<comments>http://activeknights.org/ssquah/2010/08/snippets-stepping-stones/#comments</comments>
		<pubDate>Mon, 30 Aug 2010 05:30:05 +0000</pubDate>
		<dc:creator>ssquah</dc:creator>
				<category><![CDATA[Careers]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Snippets]]></category>
		<category><![CDATA[Career]]></category>
		<category><![CDATA[job]]></category>

		<guid isPermaLink="false">http://activeknights.org/ssquah/?p=752</guid>
		<description><![CDATA[That first job you do may not be your dream job but it is a stepping stone to a successful career. And it is the satisfaction that you get from working and the quest for knowledge that will make you work hard. Journalist Quentin Lim said the first job was not a time for fresh [...]]]></description>
			<content:encoded><![CDATA[<p>That first job you do may not be your dream job but it is a stepping stone to a successful career. And it is the satisfaction that you get from working and the quest for knowledge that will make you work hard. </p>
<p>Journalist Quentin Lim said the first job was not a time for fresh graduates to demand for high salaries and benefits. He adds: &#8220;At this point, they have no experience and so salary should not be the most important factor. What is most valuable is the experience you can gain. Fresh graduates also cannot afford to be lazy. We have to work even harder to stand out from the rest, as there are so many graduates these days. During my parent&#8217;s time, being a graduate was enough to guarantee a job but today, that’s not enough. You need to pick up skills which are good enough for the employers.&#8221;</p>
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		<title>All set for chess fest</title>
		<link>http://activeknights.org/ssquah/2010/08/all-set-for-chess-fest/</link>
		<comments>http://activeknights.org/ssquah/2010/08/all-set-for-chess-fest/#comments</comments>
		<pubDate>Fri, 27 Aug 2010 01:04:39 +0000</pubDate>
		<dc:creator>ssquah</dc:creator>
				<category><![CDATA[Chess]]></category>

		<guid isPermaLink="false">http://activeknights.org/ssquah/?p=944</guid>
		<description><![CDATA[TODAY is the eve of the Malaysia Chess Festival and tomorrow, the first of six main events – the Merdeka individual rapid open tournament – will kick off the 11-day chess festival at the ballroom of Cititel Hotel at Mid Valley in Kuala Lumpur. Elsewhere on this page is a summary of the various events [...]]]></description>
			<content:encoded><![CDATA[<p>TODAY is the eve of the Malaysia Chess Festival and tomorrow, the  first of six main events – the Merdeka individual rapid open tournament –  will kick off the 11-day chess festival at the ballroom of Cititel  Hotel at Mid Valley in Kuala Lumpur.</p>
<p>Elsewhere on this page is a  summary of the various events that everybody can look forward to. There  is something for everyone, be it a simultaneous chess game, a  five-minute blitz tournament, a 30-minute rapid chess tournament or a  full 90-minute normal time regulation tournament.</p>
<p>Concerns that I  voiced last week about the Malaysia Chess Festival taking a possible  beating from a major rival tournament being planned at the same time in  nearby Manila seems to have eased.</p>
<p>I have been checking with the  organisers the whole of this week, and their confidence seems to have  been restored. In fact, the organisers are delighted that the response  to the festival has exceeded last year’s.</p>
<div><a href="http://activeknights.org/ssquah/wp-content/uploads/2010/08/f_29tan.jpg"><img class="alignleft size-medium wp-image-945" title="f_29tan" src="http://activeknights.org/ssquah/wp-content/uploads/2010/08/f_29tan-300x221.jpg" alt="" width="300" height="221" /></a> (Pitting  wits: Current national champions Tan Khai Boon (left) and Fong Mi Yen  will be participating in the Malaysia open tournament.)</div>
<p>Tomorrow’s  one-day event has attracted at least 74 players. This was the number  told to me three days ago and as more chess players arrive in Kuala  Lumpur, the number of participants is set to increase.</p>
<p>Similarly,  too, there are at least 67 teams in the Merdeka team rapid open with  foreign grandmasters from Australia, Bangladesh, Uzbekistan, Germany and  India joining in the fray.</p>
<p>But the real icing on the cake is the  increased entries for the main event, the Datuk Arthur Tan Malaysia  open, that will start on Sept 1. Last year, the field consisted of  exactly 100 players. Until Tuesday, 135 players have already registered  for this year’s edition.</p>
<p>For a long time, the organisers have  been overly cautious about disclosing publicly the list of participants  for fear that the foreign entries could be persuaded to withdraw and  play elsewhere. Maybe the fear was unfounded but then, anything can  happen in the world of chess today.</p>
<div><a href="http://activeknights.org/ssquah/wp-content/uploads/2010/08/f_29fong.jpg"><img class="alignleft size-medium wp-image-946" title="f_29fong" src="http://activeknights.org/ssquah/wp-content/uploads/2010/08/f_29fong-300x224.jpg" alt="" width="300" height="224" /></a> (Fong Mi Yen.)</div>
<p>Nevertheless,  today being the eve of the Malaysia Chess Festival where everything  comes together, I can now safely say that the grandmasters registered  for the Malaysia open include:</p>
<p>Abhijeet Gupta (India, rated  2587), Zhou Weiqi (China, 2570), Ziaur Rahman (Bangladesh, 2543), Cao  Sang (Vietnam, 2540), Prasad Arun (India, 2535), David Smerdon  (Australia, 2526), Dao Thien Hai (Vietnam, 2516), Wen Yang (China,  2507), R.R. Laxman (India, 2503), Xu Jun (China, 2503), Nguyen Anh Dung  (Vietnam, 2500), Saidali Yuldachev (Uzbekistan, 2496), Jha Sriram  (India, 2490), Xu Yuhua (China, 2488), Marat Dzhumaev (Uzbekistan,  2484), Gerhard Schebler (Germany, 2474) and Niaz Murshed (Bangladesh,  2406).</p>
<p>They may not be the top echelon of grandmasters in the  world but hey, the Malaysia open was never about attracting the crème de  la crème of grandmasters in the first place. Much like water finding  its own level, grandmasters and international masters will find the  right level of tournaments to suit their playing levels.</p>
<p>Anyway,  the Malaysia open will also feature two woman grandmasters from China  and Vietnam, at least 18 international masters, several Fide masters and  woman Fide masters.</p>
<p>The Malaysian challenge will be spearheaded by international masters Mok Tze Meng and Jimmy Liew.</p>
<p>There  is a sizeable number of Malaysian entries and apart from Mok and Liew,  we have four national masters in the field, too, namely, Lim Chuin  Hoong, current national champion Tan Khai Boon, Edward Lee and Evan  Timothy Capel. There will also be a spotlight on Yeoh Li Tian. I should  also mention the presence of two of our woman national masters, current  women’s national champion Fong Mi Yen and Alia Anin Azwa Bakri, as among  the competitors.</p>
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		<title>Money laundering raps filed vs illegal recruiter</title>
		<link>http://activeknights.org/ssquah/2010/08/money-laundering-raps-filed-vs-illegal-recruiter/</link>
		<comments>http://activeknights.org/ssquah/2010/08/money-laundering-raps-filed-vs-illegal-recruiter/#comments</comments>
		<pubDate>Thu, 26 Aug 2010 06:53:16 +0000</pubDate>
		<dc:creator>ssquah</dc:creator>
				<category><![CDATA[Careers]]></category>

		<guid isPermaLink="false">http://activeknights.org/ssquah/?p=948</guid>
		<description><![CDATA[MANILA, Philippines, 26 Aug 2010 &#8211; The Anti-Money Laundering Council (AMLC) has filed before the Department of Justice a complaint against an individual posing as a recruiter of caregivers and nurses. In its complaint-affidavit, AMLC filed 50 counts of money laundering charges against Wilfredo Almira Isaac, Jr., who has also been using different aliases such [...]]]></description>
			<content:encoded><![CDATA[<div>
<p>MANILA, Philippines, 26 Aug 2010 &#8211; The Anti-Money Laundering Council  (AMLC) has filed before the Department of Justice a complaint against an  individual posing as a recruiter of caregivers and nurses.</p>
<p>In its complaint-affidavit, AMLC filed 50 counts of money laundering  charges against Wilfredo Almira Isaac, Jr., who has also been using  different aliases such as Paul Almanza Sauer, Allain Boy Paras Mallabo,  John Almira Jasmin, Cyrus Ramos Villanueva and Dennis Ramos Dominguez.</p>
<p>Isaac allegedly uses the Internet to manipulate unsuspecting victims.</p>
<p>He would pretend as a foreign employer posing as an official from  different hospitals abroad. His advertisements are then posted on job  search websites such as jobsdb and jobstreet.</p>
<p>He would then send e-mails to prospective applicants, requiring them to attend a “British English Training Course.”</p>
<p>He would entice them by saying they are not required to pay placement  fees, processing fees, etc. The applicant’s salary will also not be  deducted.</p>
<p>The employer will also allegedly shoulder the airfare, work permits and visa processing fees.</p>
<p>All that the applicant would pay are the medical and training fees,  ranging from P3,000 to P45,000, to be paid to Carondelt Training and  Review Center and Flyff Training and Review Center or to certain GCash  accounts designated by the respondent.</p>
<p>Isaac would then tell the applicant that nobody has ever failed the training.</p>
<p>The applicants, who were never actually employed, filed estafa and  large-scale illegal recruitment. The earliest case goes back to as early  as 2007.</p>
<p>A warrant of arrest was consequently issued by the Manila Regional Trial Court.</p>
<p>Isaac was able to evade arrest, until the victims lost interest in pursuing the case.</p>
<p>It was subsequently dismissed.</p>
<p>AMLC however noted the money laundering charges should proceed because the main case was not assessed on its merits.</p>
<p>AMLC said the 50 counts of money laundering correspond to the number  of cash out or withdrawal transactions he made with the money he  obtained illegally.</p>
</div>
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		<item>
		<title>Snippets: your reputation&#8217;s worth</title>
		<link>http://activeknights.org/ssquah/2010/08/snippets-your-reputations-worth/</link>
		<comments>http://activeknights.org/ssquah/2010/08/snippets-your-reputations-worth/#comments</comments>
		<pubDate>Fri, 20 Aug 2010 05:26:50 +0000</pubDate>
		<dc:creator>ssquah</dc:creator>
				<category><![CDATA[Careers]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Snippets]]></category>
		<category><![CDATA[Career]]></category>
		<category><![CDATA[job]]></category>

		<guid isPermaLink="false">http://activeknights.org/ssquah/?p=749</guid>
		<description><![CDATA[A lot. In fact, your reputation is the most valuable thing you own. If you have a bad reputation, nobody will want to take a second look at you. Therefore, be known for being dependable, professional, and cooperative. Act and look the part by dressing professionally. Make a name for yourself by attending conferences, delivering [...]]]></description>
			<content:encoded><![CDATA[<p>A lot. In fact, your reputation is the most valuable thing you own. If you have a bad reputation, nobody will want to take a second look at you. Therefore, be known for being dependable, professional, and cooperative. Act and look the part by dressing professionally. Make a name for yourself by attending conferences, delivering speeches or writing articles.</p>
]]></content:encoded>
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		<title>Spanner in the works</title>
		<link>http://activeknights.org/ssquah/2010/08/spanner-in-the-works/</link>
		<comments>http://activeknights.org/ssquah/2010/08/spanner-in-the-works/#comments</comments>
		<pubDate>Fri, 20 Aug 2010 01:22:30 +0000</pubDate>
		<dc:creator>ssquah</dc:creator>
				<category><![CDATA[Chess]]></category>

		<guid isPermaLink="false">http://activeknights.org/ssquah/?p=914</guid>
		<description><![CDATA[It seems the rivalry between Anatoly Karpov and Kirsan Ilyumzhinov has spilled over to the region, resulting in this year’s Malaysia Chess Festival clashing with another competition in the Philippines.]]></description>
			<content:encoded><![CDATA[<p>THERE  are just nine days to go before the start of this year’s Malaysia Chess  Festival. A highlight of this year’s festival will be a second visit to  our shores by the 12th world chess champion, Anatoly Karpov.</p>
<p>He  won’t be playing in any of the tournaments. Rather, he will be here for  only a few days in early September before jetting off to continue with  his worldwide campaign to become the next president of the World Chess  Federation (Fide).</p>
<p>Nevertheless, spectators and participants  alike at the Malaysia Chess Festival can expect to bump into the former  world champion.</p>
<div style="text-align: left;"><a href="http://activeknights.org/ssquah/wp-content/uploads/2010/08/f_22karpov.jpg"><img class="aligncenter size-full wp-image-915" title="f_22karpov" src="http://activeknights.org/ssquah/wp-content/uploads/2010/08/f_22karpov.jpg" alt="" width="180" height="246" /></a> A  keen rivalry has developed between former chess world champion Anatoly  Karpov and Kirsan Ilyumzhinov for the presidency of the World Chess  Federation</div>
<p>If you need him to autograph any of his chess books, this will be an opportunity for you.</p>
<p>Chess enthusiasts can also look forward to a special subscription-based <em>buka puasa</em> function with him on Sept 5.</p>
<p>When  I was speaking to the organisers of the festival earlier this week, I  was reminded that they were facing possibly the greatest challenges to  their organisational capabilities in the last seven years.</p>
<p>For  the first time since the inception of the Datuk Arthur Tan Malaysia open  chess championship in 2004, the organisers are bracing for a rival  competition in nearby Philippines to pull away some of the entries.</p>
<p>Yes, there is also an international chess tournament that’s been planned in Manila at almost the same time.</p>
<p>Normally,  federations would work together to ensure that international  tournaments do not overlap. It’s not difficult to understand why. If  tournaments do not overlap, it would be easier to persuade players –  especially professional chess players – to play in these events one  after another.</p>
<p>It maximises their investment of time and money to  fly to this region to play in the chess competitions, and all  organisers are happy with the quality of players that they can attract.</p>
<p>Not this time.</p>
<p>The  National Chess Federation of the Philippines (NCFP) has been promised  US$100,000 (US$320,000) by Kirsan Ilyumzhinov, the current Fide  president, to hold a tournament in memory of his predecessor, Florencio  Campomanes, who died earlier this year.</p>
<p>Now, with Campomanes  being a Filipino and all that, there was no way that the NCFP was going  to say no to holding this memorial event. But for some reason, the dates  chosen for their event were pushed from mid-August to the end of  August. This overlapped with the dates for the Malaysia Chess Festival.</p>
<p>Some people say that it had been done with a purpose.</p>
<p>It’s  not that the NCFP is unaware that the Malaysia Chess Festival is an  annual event. The festival is already in its seventh year and is well  publicised around the world.</p>
<p>In the past, Filipino chess players  have always turned up to support both the Datuk Arthur Tan Malaysia open  and the Merdeka rapid chess team tournaments.</p>
<p>But not this year.</p>
<p>Word  has been going around that the NCFP had advised its players in no  uncertain terms that they should be playing in Manila instead of Kuala  Lumpur.</p>
<p>Worse still, there is unconfirmed news that the top  Filipino players have been threatened with bans by their federation  should they ignore this “advice”.</p>
<p>In all likelihood, the Filipino players will not be here.</p>
<p>Certainly,  those players who have already been selected by their federation for  the Chess Olympiad in Khanty-Mansiysk will not want to jeopardise their  selection status.</p>
<p>Those players not in the Filipino team can’t be  bothered with the ban but they may be attracted to the larger prize  monies at the Campomanes memorial tournament in Manila.</p>
<p>All this  is very sad because if Campomanes were alive today, the last thing he  would want was for his memorial tournament to clash with the Malaysian  Chess Festival.</p>
<p>Campomanes has always been a very good and  supportive friend of Malaysia. It was a friendship that started in 1974  and even until last year, he had been a regular visitor here.</p>
<p>But why, you may ask, is the NCFP risking to upset the other federations in the region?</p>
<p>The  answer may be simply that it all boils down to relationships and the  charged atmosphere that’s presently enveloping chess, an atmosphere  created by the Fide election campaign.</p>
<p>In the world of chess,  there is a close bond between Fide and the NCFP. It started with  Campomanes’ election as Fide president in 1982. The bond remained after  Ilyumzhinov took over the Fide reins. Even Campomanes’ death has not  changed this relationship.</p>
<p>It is publicly known that the NCFP is  supporting the Ilyumzhinov ticket at the Fide elections next month,  while Malaysia’s stand has been to side with Karpov.</p>
<p>There are  claims by Karpov’s team that the Ilyumzhinov team has been going around  the world promising great rewards to national federations that support  them.</p>
<p>Whether or not this claim can be substantiated is not for  me to say but in the absence of any other explanation, any observer will  be guessing that if this claim is true, then there’s every reason for  the NCFP to want their Campomanes memorial tournament to succeed at the  expense of the Malaysian Chess Festival.</p>
<p>Nevertheless, the  organisers of the Malaysian Chess Festival are quite confident that the  Manila event will have little impact on the success of our local  festival.</p>
<p>“We are still enjoying very good response from the  foreign players. They know Malaysian hospitality well and they know that  when they play here, they are among old friends. Friendship counts a  lot among real friends,” said one of the organisers.</p>
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		<title>10 points to a fond farewell</title>
		<link>http://activeknights.org/ssquah/2010/08/10-points-to-help-write-your-will/</link>
		<comments>http://activeknights.org/ssquah/2010/08/10-points-to-help-write-your-will/#comments</comments>
		<pubDate>Wed, 18 Aug 2010 12:41:57 +0000</pubDate>
		<dc:creator>ssquah</dc:creator>
				<category><![CDATA[Rockwills & Estate planning]]></category>
		<category><![CDATA[administration]]></category>
		<category><![CDATA[executor]]></category>
		<category><![CDATA[guardian]]></category>
		<category><![CDATA[probate]]></category>
		<category><![CDATA[Rockwills]]></category>
		<category><![CDATA[SS Quah]]></category>
		<category><![CDATA[trust company]]></category>
		<category><![CDATA[will]]></category>

		<guid isPermaLink="false">http://activeknights.org/ssquah/?p=883</guid>
		<description><![CDATA[Here are 10 easy points to help make drafting your will a painless procedure and give a fond farewell to your loved ones: 1. Decide who will benefit Your spouse or children will not always inherit everything if you die without having written a Will. Also, unmarried or single-sex couples have no automatic legal rights [...]]]></description>
			<content:encoded><![CDATA[<p>Here are 10 easy points to help make drafting your will a  painless procedure and give a fond farewell to your loved ones:</p>
<p><strong> 1. Decide who will benefit</strong></p>
<p>Your spouse or children will not always inherit everything if  you die without having written a Will. Also, unmarried or single-sex couples have no  automatic legal rights of inheritance. If you are leaving money to  your children, consider whether you want them to inherit when they reach 18 years old or a  later age.</p>
<p><strong> 2. Who will act as executor and deal with  the winding up of the estate?</strong></p>
<p>You can let the main  beneficiary act. But if you are not confident that he can act for you, you should think about appointing a Trust company to provide professional guidance in winding up the  estate. It is usually more expensive but the job of administering the estate may get done more quickly and efficiently.</p>
<p><strong>  3. Who will act as guardians of any minor children?</strong></p>
<p>If  not appointed in the Will, your children could be placed with someone who  is not your first choice as guardian. Guardians may also control  the children&#8217;s trust fund, but it is often better to have the executors  act as independent trustees. This is to balance the guardians&#8217;  short-term view of the children&#8217;s immediate needs against a long-term    investment plan. In making the appointment, you must also ensure that  executors and guardians work together for the benefit of the children  rather than fighting between themselves.</p>
<p><strong> 4. Gifts of  money</strong></p>
<p>If you so desire, you can decide how much you want to give to friends,  wider family or organisations.</p>
<p><strong>  5. Gifts of property</strong></p>
<p>If you want to leave a specific  item, a proper description is needed to identify it. A vague reference to &#8216;a china  tea-set&#8217; will not do &#8211; the make or pattern must be stated. Remember that  if you sell or break the item the gift will lapse.</p>
<p><strong> 6.  Gifts to charity</strong></p>
<p>Any charity benefiting under your Will must be properly named and you must include its registered address.</p>
<p><strong>  7. Special circumstances</strong></p>
<p>If you have been divorced,  have children from a previous relationship or any legal obligation to  maintain someone the person writing your Will should be made aware of this. Also tell  him if any beneficiary is in exceptional circumstances, such as a child  with special educational needs. Trust clauses may be needed to protect  them.</p>
<p><strong> 8. You won&#8217;t need </strong></p>
<p>A formal  valuation of your assets is unnecessary, although you should have a  vague idea of your worth.</p>
<p><strong> 9. You will need  </strong></p>
<p>Take along the full names, identification numbers and addresses of all  beneficiaries, guardians, executors and anyone else you want mentioned in the Will. Obtain the consent of guardians and  executors before you appoint them. Divorce documents or agreements  over maintenance can be useful, so take them just in case.</p>
<p><strong>  10. Pick up the phone</strong></p>
<p>Any lawyer can draw a basic Will, but you could need better resources from specialist will-writing companies such as Rockwills Corporation. Most will give a  quotation of fees and have your will ready for early signature.</p>
<p>Buying  a house, marrying or having children are all trigger points for making or  reviewing a Will, whatever your age. Most people see it as a preparation  for death, but in reality it is the best protection you can buy for  your family.</p>
<p>For more details or consultation in Penang, southern Kedah or northern  Perak, please do contact <a href="mailto:ssquah@yahoo.com" title="Will-writing service">this writer here</a>.</p>
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		<title>Clash of the titans</title>
		<link>http://activeknights.org/ssquah/2010/08/clash-of-the-titans/</link>
		<comments>http://activeknights.org/ssquah/2010/08/clash-of-the-titans/#comments</comments>
		<pubDate>Fri, 13 Aug 2010 01:28:34 +0000</pubDate>
		<dc:creator>ssquah</dc:creator>
				<category><![CDATA[Chess]]></category>

		<guid isPermaLink="false">http://activeknights.org/ssquah/?p=917</guid>
		<description><![CDATA[The super-powers in chess battle it out.]]></description>
			<content:encoded><![CDATA[<p>WHO do you think would win if a match were to be played today between  Russia and China? Russia is, of course, the traditional chess  powerhouse of the world, while China is the top chess-playing country in  Asia.</p>
<p>If the top 10 players in each country are taken as the  basis of comparison, the Russian men leads their Chinese counterparts by  89 rating points today. And if a comparison is made of their women  chess players, the difference is even smaller: a mere 11 points separate  the 10 best players from both sides.</p>
<p>Therefore, a match between these two chess superpowers would make a very good reason to determine which country is superior.</p>
<p>And  actually, there is such a match going on today. It is the seventh such  encounter between the two countries but it did not start out as an  annual match because after the first one was played in Shanghai in 2001,  there was a three-year gap before the second match was organised in  Moscow in 2004.</p>
<p>After that, the chess federations of the two  countries thought it best to have an annual match and so, Argun in  Russia was the host in 2006, followed by the fourth match in Nizhni  Novgorod in 2007, Ningbo in China in 2008, and last year’s match in  Sochi, Russia.</p>
<div><a href="http://activeknights.org/ssquah/wp-content/uploads/2010/08/f_p20Wang1.jpg"><img class="alignleft size-full wp-image-919" title="f_p20Wang" src="http://activeknights.org/ssquah/wp-content/uploads/2010/08/f_p20Wang1.jpg" alt="" width="150" height="213" /></a> Tough opponent: Wang Hao, China’s chess champion.</div>
<p>This  year’s match is taking place today in Yinzhou, Ninbo in China. It  started on Aug 4 and will end this Sunday. Each side is fielding five  men’s players and five women’s players.</p>
<p>The match comprises a  Scheveningen-style of team event where the members of each team will  play the members of the opposing team once at normal time controls,  followed by rapidchess games and finally, a series of blitz games. Of  course, to ensure an even playing field, the men are competing among  themselves only and likewise, the women are playing among themselves,  too.</p>
<p>In the first round, the China men’s team won with a 3-2  score but the Russian women won 3½-1½. In the second round, the Russian  men were almost whitewashed when China won by 4½-½. However, the women’s  teams fought to a 2½-2½ draw. In the third round, Russia and China tied  at 2½-2½ in both the men’s and women’s contests.</p>
<p>The fourth  round saw the men drawing on all the boards, while the Russian women  edged out their Chinese opponents by a 3-2 margin. In the fifth, both  the Chinese men’s and women’s sides won by 3-2.</p>
<p>The final score at the end of the normal time control games on Tuesday was 27 points to the China team and 23 points to Russia.</p>
<p>The  Chinese men’s team could take credit that they did not lose any of the  rounds. At their worst, they drew the third round but at their best,  they almost totally blanked out the Russian men in the second round.</p>
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		<title>Enduring power of attorney</title>
		<link>http://activeknights.org/ssquah/2010/08/enduring-power-of-attorney/</link>
		<comments>http://activeknights.org/ssquah/2010/08/enduring-power-of-attorney/#comments</comments>
		<pubDate>Tue, 10 Aug 2010 09:41:15 +0000</pubDate>
		<dc:creator>ssquah</dc:creator>
				<category><![CDATA[Rockwills & Estate planning]]></category>
		<category><![CDATA[Rockwills & Inheritance]]></category>
		<category><![CDATA[power of attorney]]></category>
		<category><![CDATA[will]]></category>

		<guid isPermaLink="false">http://activeknights.org/ssquah/?p=882</guid>
		<description><![CDATA[This article appeared in The Times newspaper of the United Kingdom a few years ago. It&#8217;s interesting as the case revolved around an old infirmed lady and her domestic help: Life expectancy is rising and property prices are rocketing. As a result, many older people are looking to the future and asking: how will my [...]]]></description>
			<content:encoded><![CDATA[<p>This article appeared in The Times newspaper of the United Kingdom a few years ago. It&#8217;s interesting as the case revolved around an old infirmed lady and her domestic help:</p>
<blockquote><p><em>Life expectancy is rising and property prices are rocketing. As a  result, many  older people are looking to the future and asking: how will my assets be   managed if my faculties desert me? They wish to protect themselves, and  their legatees, from possible consequences of any future physical or –  more  significantly – mental infirmity.</em></p>
<p><em><img src="http://activeknights.org/ssquah/wp-content/uploads/2010/05/oldlady.jpg" alt="oldlady.jpg" align="right" width="323" height="265" />With this in mind, many older people are choosing to donate enduring  power of  attorney (EPA) to a trusted relative, friend or professional, such as a  bank  manager. If this person feels that the donor has reached a point where  he or  she can no longer cope, he or she can apply to the Public Guardianship  Office (the PGO, the administrative arm of the Court of Protection) to  have  the EPA registered – and thereby gain certain powers to manage the  donor’s  affairs.This process is not automatic: power of attorney is granted only   after rigorous scrutiny and the donor has a right to object.</em></p>
<p><em>Even after power of attorney has been granted, the donor may still be  considered capable of carrying out certain legal steps – such as making a   will. It is a common misconception that registration means that the  donor  can no longer make a will independently, without the involvement of the  attorney and the Court of Protection. But a High Court case last year  shows  that assumption to be mistaken.</em></p>
<p><em>The case involved a spinster in her nineties, living alone in her own  home,  who became physically infirm and mentally incapable of dealing with  day-to-day business such as payment of bills, cooking and cleaning. She  needed a home help, who was paid from her assets by her bank. Her  attorney,  family and friends suspected that the home help was attempting to secure  the  covert creation of a new will in her favour. Registration was sought on  the  mistaken assumption that this would make any such move impossible.</em></p>
<p><em>When the donor died the home help produced a will, signed six months  earlier,  making her a significant beneficiary and sole executor. No one knew of  the  will’s existence other than the home help, a will-writer and his wife,  who  served as second witness. No medical advice had been sought and no legal   advice obtained other than the expertise of the will-writer. He had not  inquired as to the possible existence of an EPA.</em></p>
<p><em>The family and other beneficiaries under an earlier will sought to have  the  later will set aside. This the court did on the basis of lack of  testamentary capacity. The defendant had been granted legal aid and the  substantial costs of both sides were paid from the estate.</em></p>
<p><em>A will correctly drafted, signed and witnessed, even in dubious  circumstances,  is a powerful instrument. Any attempt to overturn it is likely to be  long,  difficult, expensive and uncertain of outcome. This can be even more  problematic if the beneficiary is also made executor, giving him or her  initial control over the papers of the deceased, including earlier  wills.</em></p>
<p><em>The PGO’s advice is: “If a doctor and a solicitor consider that the  donor is  mentally able to make a will, you do not need our permission for it to  be  drawn up and signed. Legal and medical advice is essential.” But this  can  give a false sense of security to attorneys and other interested  parties.</em></p>
<p><em>Provided a will satisfies the minimal legal requirements it is prima  facie  valid – even a will kit from a stationer, signed on the kitchen table. A   beneficiary or executor does not have to prove that such a will is  valid; it  is for a claimant to prove that it is invalid.</em></p>
<p><em>The case has important implications for anyone arranging domiciliary  care.  Consideration should be given to making it a condition of employment  that  the employee does not discuss legal or financial matters with the person   being cared for. If possible, this could be made a term of a written  contract. If there is firm evidence that the term is being breached, the   contract can be terminated.</em></p>
<p><em>It may also be wise to arrange a periodic medical examination of the  patient.</em></p>
<p><em>The elderly staying in their homes are served by a growing body of  casual  domiciliary workers, largely without training, accreditation or  regulation.  Old people enjoy less protection than children, although their  substantial  assets make them more vulnerable, if not to fraud and manipulation then  to  testamentary complications. It is in everyone’s interests that this is  promptly addressed.</em></p>
<p><em>The author is involved in the welfare of the elderly in the United Kingdom </em></p></blockquote>
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		<title>Tough choice</title>
		<link>http://activeknights.org/ssquah/2010/08/tough-choice/</link>
		<comments>http://activeknights.org/ssquah/2010/08/tough-choice/#comments</comments>
		<pubDate>Fri, 06 Aug 2010 01:32:23 +0000</pubDate>
		<dc:creator>ssquah</dc:creator>
				<category><![CDATA[Chess]]></category>

		<guid isPermaLink="false">http://activeknights.org/ssquah/?p=921</guid>
		<description><![CDATA[Are our players prepared to sacrifice for the game?]]></description>
			<content:encoded><![CDATA[<p>RIGHT after my column last week, I received a short message from one of Malaysia’s international masters.</p>
<p>By  all accounts, it can be safely assumed that Wong Zijing is no longer  playing in chess competitions. As far as I can determine, he hasn’t been  playing much at all since August 2006. In fact, even social chess may  have taken a back seat for him as his last known attempt at a serious  chess game must have been at last year’s annual chess match between the  teams of Cambridge and Oxford universities.</p>
<p>His friends and  fellow chess players in the country may want to know that he is now  pursuing his Doctorate at the University of California Berkeley in the  United States. He asked me to say “hi” to them.</p>
<p>Before going to  the States, Wong was at University of Cambridge in England and before  that, the Korea Advanced Institute of Science and Technology. He is now  doing research on a specialist area of science called metamaterials.</p>
<p>Anyway,  after taking a look at the picture in last week’s column, Wong dropped  me a short note to say that it was about time that 12-year-old Yeoh Li  Tian, pictured playing a blitz game with former world chess champion  Anatoly Karpov, decide whether he wants to be like “Le Quang Liem” or  “one of us”.</p>
<p>He didn’t mince his words. The “one of us” refers  explicitly to himself and his chess peers, local players like Mas  Hafizulhelmi, Lim Yee Weng, Marcus Chan, Nicholas Chan and Lim Chuin  Hoong.</p>
<div><a href="http://activeknights.org/ssquah/wp-content/uploads/2010/08/f_24wong.jpg"><img class="aligncenter size-medium wp-image-922" title="f_24wong" src="http://activeknights.org/ssquah/wp-content/uploads/2010/08/f_24wong-300x200.jpg" alt="" width="300" height="200" /></a> Note this: Wong Zijing has some interesting things to say about 12-year-old chess player Yeoh Li Tian.</div>
<p>The  “Le Quang Liem” he mentioned happens to be Vietnam’s top chess player.  Liem joined the world’s grandmaster club four years ago.</p>
<p>Today,  while only 19 years old but with an international rating of 2681 points,  he is already knocking on the doors of that even more elite club of  chess grandmasters who are rated at 2,700 points and above. There are  not many of them, certainly not more than 40 players currently in this  category of super-grandmasters.</p>
<p>I knew fairly well what Wong was  trying to say but his note made such a fascinating impression that I  wanted to know more from him.</p>
<p>He said that it is well known that  to become a grandmaster like Liem, you need to be a professional chess  player and the financial support to train abroad.</p>
<p>Recently, the  Vietnam Chess Federation stated that Liem would require an annual fund  of US$100,000. Then there is the player’s own commitment and sacrifices,  especially academic sacrifice. Is our society ready for that, he  questioned.</p>
<p>“I have a good friend in China who told me that many  of the Chinese grandmasters had quit school early in their lives to take  up a professional career in chess. Many of them had not even completed  their primary education.</p>
<p>“Are our chess players prepared to make  such personal sacrifices?” he asked. “My peers and I had to balance  chess with our studies because at the end of the day, we have to think  about our own livelihood and our direction in life.”</p>
<p>Livelihood.  Indeed, if we look at some of our national champions, I can say that  they have ended up very well in life. Mas Hafizulhelmi is today a  chemical engineer, both Lim Chuin Hoong and Nicholas Chan are medical  doctors, Lim Yee Weng is a lawyer while Marcus Chan is an electronics  engineer.</p>
<p>Even Ooi Chern Ee, arguably our highest ranked player  not to have become a national champion, is an actuarist. But to get  where they are today, they recognise that they had to sacrifice their  chess.</p>
<p>According to Wong, only geniuses are able to continue with  this fine balance in their lives. He believed that Gata Kamsky, a chess  prodigy, was one of them.</p>
<p>(Kamsky was born in the old Soviet  Union in 1974 and his family emigrated to the United States in 1989. At  16 years old, he took his first steps towards the pinnacle of world  chess and ultimately challenged Viswanathan Anand for the Professional  Chess Association version of the chess crown in 1995. One year later, he  challenged Anatoly Karpov for the World Chess Federation version of the  chess title. After he lost both matches, he disappeared completely from  the chess world for nine years to earn his law degree and then returned  to top-level chess in 2004 with great success.)</p>
<p>Unless you are  like Kamsky, Wong said, it is almost impossible to find that balance  between chess and work. Where Li Tian is concerned, he suggested that  the boy would have to make up his mind soon.</p>
<p>No doubt, his  one-month stint in Beijing last year and his present chess tutelage  under Bangladeshi grandmaster Ziaur Rahman would help his chess grow in  the short to medium term. But he must either have the courage to make  chess his profession or concentrate on his studies and eventually “be  like one of us”.</p>
<p>“It’s a tough decision, very tough indeed,” Wong acknowledged, “but there are no two ways about it.”</p>
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		<title>Karpov on the campaign trail</title>
		<link>http://activeknights.org/ssquah/2010/07/karpov-on-the-campaign-trail/</link>
		<comments>http://activeknights.org/ssquah/2010/07/karpov-on-the-campaign-trail/#comments</comments>
		<pubDate>Fri, 30 Jul 2010 01:40:49 +0000</pubDate>
		<dc:creator>ssquah</dc:creator>
				<category><![CDATA[Chess]]></category>

		<guid isPermaLink="false">http://activeknights.org/ssquah/?p=927</guid>
		<description><![CDATA[Former world champion Anatoly Karpov wants to bring dignity back to the game.]]></description>
			<content:encoded><![CDATA[<p>THE message was clear enough. The World Chess Federation (Fide) must  change or else it will continue to lose influence and significance, said  Anatoly Karpov, the 12th world chess champion.</p>
<p>Karpov, 59, was  in Kuala Lumpur for three days last week as part of a whirlwind visit  through several Asian countries to raise support in his bid to be  elected the next Fide president.</p>
<p>According to Karpov, the  leadership in Fide had not achieved much in the past 15 years and had  neglected the interests of many of the chess federations in its fold.</p>
<p>One  of the sore points that Karpov raised was that the incumbent Fide  president, Kirsan Ilyumzhinov, had alienated international sponsors.</p>
<div><a href="http://activeknights.org/ssquah/wp-content/uploads/2010/08/f_22karpov1.jpg"><img class="alignleft size-full wp-image-928" title="f_22karpov1" src="http://activeknights.org/ssquah/wp-content/uploads/2010/08/f_22karpov1.jpg" alt="" width="300" height="224" /></a> (Face-to-face: Karpov playing with 12-year-old Yeoh Li Tian.)</div>
<p>“Chess is one of the most active sports in the world and Fide has 158 member countries.</p>
<p>‘In  terms of members, we are among the biggest international sports  federations and yet we don’t see long-term ties with sponsors that  should benefit us,” Karpov charged.</p>
<p>“For example, world chess  championship matches used to offer prize money by the millions of  dollars but ever since the present Fide president came on board, we have  seen lower prize monies. In fact, the many changes in the formats for  the world championship cycles have caused a lot of confusion. Is it any  wonder that international sponsors have shied away?” he asked.</p>
<p>If  his team gets elected at the Fide congress this September, one priority  would be to bring dignity back to chess. According to him, short  10-game or 12-game matches were hardly reflective of chess struggles at  the highest levels.</p>
<p>“World championship matches should not be  less than 16 or 18 games but Fide presently finds difficulty to bring in  quality sponsors who can support matches of this length.” he said.</p>
<p>Karpov  gave another example of the decreasing visibility, saying that  significant activities like world championship matches used to be played  in the big cities of the world – New York, London, Seville, Paris – but  he claimed that since 1995, these events were being moved to lesser  cities.</p>
<p>“It doesn’t say much for chess that this year’s chess  Olympiad – the traditional biennial gathering for the worldwide chess  family of close to 160 countries – is being held in Siberia, in a place  called Khanty-Mansiysk,” he claimed.</p>
<p>And in truth, that is  correct because I’ve written about Khanty-Mansiysk before. Even getting  there is going to be problematic as most connecting flights are only  available from Moscow and it’s a journey of several days.</p>
<p>But the  chord that struck home was that in recent years, national chess  federations have been feeling the pinch of having to pay increasingly  higher fees for all sorts of activities. Smaller chess federations such  as the Malaysian Chess Federation find that annual fees have gone up  significantly.</p>
<p>Getting new players onto the Fide rating list, no  matter their rating levels, means getting billed. Then there are the  fees for registering even Fide-rated events. All these add up and it is  not surprising that there are countries that find themselves temporarily  out of benefit from Fide because fees are in arrears.</p>
<p>The MCF, for example, found out that our players were temporarily removed from the Fide rating list because of unpaid dues.</p>
<p>According  to Karpov, countries should not be forced to fund Fide. It should be  the other way around, that Fide should instead be helping the countries  raise funds for their activities.</p>
<p>“It should make sense,” he argued, “that a happy national chess federation will contribute more towards the progress of chess.”</p>
<p>Apart  from Malaysia, Karpov and his small entourage that included his  candidate for deputy president, Richard Conn Jr, had travelled through  China, Japan, Singapore, Indonesia, Vietnam and Thailand.</p>
<p>While  in Kuala Lumpur, Karpov paid a courtesy call on Olympic Council of  Malaysia president Tunku Imran ibni Almarhum Tuanku Ja’afar at the OCM  office and was guest of honour at a function hosted by the Malaysian  Chess Federation’s honorary life president, Datuk Tan Chin Nam, who  incidentally also sits in Karpov’s Advisory Team.</p>
<p>The former  world champion also played two exhibition blitz games with Malaysian  international master Mas Hafizulhelmi and up-and-coming youngster Yeoh  Li Tian, winning against both players.</p>
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