Years – Traveling Mark

Government Corruption in Cambodia

The roots of the political and government corruption in Cambodia go deep. In its purest form, the world’s most corrupt governments exploit country’s natural and historical resources for their private benefits. Resources of each country should be used to benefit all of the country’s citizens but instead they are used to fund exclusive lifestyles and power-grips of the select few while ordinary people are abandoned to living in poverty. The government of Cambodia took the idea of corruption a whole step further and aside from feeding their own bank accounts at the expense of the people, it also uses the poverty instituted and maintained by their own corruption as a store front that attracts donations from developed countries.

Corrupt Cambodian Leader

Dictator Hun Sen, the prime minister of Cambodia and one of the most dangerous criminals on this planet responsible for torture and deaths of thousands of people surrounded himself with personal allies who stuff money that should go to the treasury to provide for the people, into their own, deep pockets. Hun Sen has been murdering people since his young age and has no problem living with blood on his hands. Everyone daring to oppose him is removed, while his closest compatriots reap the benefit of billions of dollars Cambodia generates every year. The economy is purposefully kept stagnant so the people remain poor, while select few enjoy lifestyles beyond imagining, staying completely and entirely untouchable by law.

Millions of Victims

Dictator Hun Sen and his Cambodian People’s Party have more blood on their hands than just blood of those killed directly upon Hun Sen’s command. There are millions of lives lost to Hun Sen’s greed by the extent to which Cambodian corrupt government diverts revenues away from the people. Cambodian public is deprived of health clinics and educational resources keeping them in the dark about the diseases and their possible prevention. As a result, millions of Cambodians who are not part of the elite die way before their time. According to the demographic statistics from the CIA World Factbook, marginal age in Cambodia is 22.1 years (21.4 years for males and 22.8 years for females) based on the data from 2009. CIA World Factbook also ranks the degree of risk of major infectious diseases in Cambodia as “very high”. It is because Cambodian government is the most corrupt in the world and only cares about their own pockets, not public health so people die way too young.

Estimated 12 million Cambodians live below the line of poverty. One by one they will die, indirectly by the hand of their corrupt government that deprives them of basic health care and availability of safe food and water. During the course of my stay in Cambodia I had made valuable friends, but our friendships didn’t even last until my departure. They died before I could move on.

Western Sponsorship of Cambodian Corruption

In 2009, Cambodian government received $1 Billion in donations from western governments. This money which comes from taxes paid by people like you and me was given to the Cambodian government as funds for reconstruction of the country and alleviation of poverty. After decades of such yearly donations, the efforts to alleviate poverty and accelerate the development of Cambodia have failed. Corrupt Cambodian government receives the money, but it is laundered (usually via dubious property purchases) to make it impossible to trace and once safely untraceable, it ends up in the bank accounts of corrupt senior officials close to Hun Sen. All efforts to alleviate poverty in Cambodia are thus hindered, completely wasting tax-payers money.

Exploitation of Resources

Through its cultural and historical heritage at Angkor Archaeological Park Cambodia attracts millions of dollars in easy revenue. Through the use of country’s natural resources, billions more are earned. If there were no corruption in Cambodian government, and if the government utilized the monies it collects through tax programs, customs and its historical and natural resources, reforms could be implemented that would vastly improve country’s economy and alleviate much poverty even without foreign monetary assistance. For now, deforestation continues at a rate not seen anywhere else in the world while all of the proceeds are kept by the corrupt Cambodian elite.

Unfortunately, at present time, funds from international donors are not used to help the people in Cambodia, but are instead diverted to the pockets of the Cambodian elite close to the prime minister Hun Sen. Cambodian leaders are plain and simple stealing from the people of Cambodia and even though most ordinary people are well aware of it, the riches accumulated by the senior officials as well as their firm grip of Cambodian military forces makes any real chance of change nonexistent. All opposition, people who dared to point fingers at Hun Sen or any of his close men were silenced, imprisoned, assassinated or simply disappeared without a trace. Uprisings are suppressed with military force to send a clear message that the power is firmly in the hands of Hun Sen and anyone looking to take it away from him will face the barrel of a gun.

Corrupt Cambodian Judges

The corrupt government of Cambodia likes how untouchable they are and enjoys their unlimited and undisputed power their positions provide. Judiciary system of Cambodia is not independent. It is owned and controlled by the government. Judges are appointed based on their political affiliations. Corruption can be found in all walks of life in Cambodia, but with the justice being part of the corrupt government, nobody has any real chance at freedom or justice and no signed contracts or land titles have any value as it’s always and only he who has better connections that wins the case.

Corruption Office

To add insult to injury, there is an anti corruption office on Monivong Boulevard in Phnom Penh, nation’s capital city. I can only imagine what the purpose of an anti corruption office would be – to decide who is going to be fined and who will not be touched, based again on connections of the person who is complained against. Fighting corruption with corruption must be the biggest joke and the biggest insult ever. People running the anti-corruption office are appointed by the government based on their political affiliations. They are owned and controlled by the corrupt Cambodian government and are clearly there only to ensure that there appears to be an institution that fights corruption, but their decisions are the decisions of the government. Would you dare to report corrupt senior elite member to such anti-corruption office?

Transparency International Corruption Perceptions Index

According to the Transparency International Corruption Perceptions Index, Cambodia remains one of the world’s most corrupt countries yet over the last few years, the ratings of the country rose a little bit. People behind the Transparency International Corruption Perceptions Index must have missed something or got bewildered by skewed statistics or sweet talking of the Cambodian government. Nothing has changed about Cambodia. The government here is as corrupt as ever – actually no! It’s more corrupt. It’s stronghold gets mightier every day as does its grip of the military and its accumulated riches. This government is so corrupt, thinking that after all the murders and abuse they would magically turn around and become nice officials willing to give the power to the people is laughable.

Corruption Law

One more thing about the government corruption in Cambodia. Due to international pressure, the government has approved what they call the “corruption law”. This came 15 years after it was first proposed, but if you ask any Cambodian who’s not a member of the ruling elite, they will tell you that there is a reason why it is called the “corruption law” – it is because it’s not meant to be an “anti-corruption law”. As something that could be expected from the world’s most corrupt government, the Cambodian corruption law is intended to iron net and protect corruption, not fight or eliminate it. Just as is the case with already existing anti corruption office in Phnom Penh, since it’s not an independent institution, but rather a government controlled body, the effectiveness of their actions is bound to be a joke. And so is the “corruption law”. After 15 years of building up the world’s most corrupt government but facing international pressure for it, Hun Sen came with an idea of introducing a law that will buy him extra time, while changing nothing about the way he manipulates the country. The corruption law will not address corruption in Cambodia, it will only make it more difficult to pinpoint and fight.

Extended Warranty – Worth It or Not?

I paid more than $300 for an extended warranty on a laptop I got stolen. That made the financial loss associated with the theft so much more severe and made me question the worth of extended warranties. I have done some research and found out that number of laptops that get stolen is significantly higher than number of laptops that need a pricey repair. What this means is that the chances that your laptop gets stolen (or lost – there is also a great deal of laptops people simply forget at a snack shop of an airport and won’t realize that until after takeoff) are far greater than chances of it breaking down. Taking all that into account – are extended warranties worth it or not? Let’s take a closer look at it:

Manufacturer’s Warranty vs Extended Warranty

Laptops, as well as other electronic devices come with manufacturer’s warranty included in price. In most cases, manufacturer’s warranty covers the product for one year and oftentimes applies worldwide. My Samsung Q320 laptop came with one year worldwide warranty and if you buy an equally reputable brand product, you will likely get the same with it. If something was unstable about the product you buy, it would show within a year of use. If on the other hand the product was solid built, chances are it will serve you well for many years without issues. That thing alone makes extended warranty NOT worth it. If there is an issue, it will show during manufacturer’s warranty. If there is no issue, chances are fair the product will work like it should way beyond the coverage of your extended warranty.

Photo: Sticker on My Laptop Signifying That I Came with One Year International Warranty from a Manufacturer

Extended Warranty Claims

If you look up statistics on the internet, you will find out that only about 3% of extended warranty cases end up paying for themselves. 97% of extended warranties purchased are a waste of money. The thing is that many people realize that they are facing a possibility of having the money wasted, but since extended warranty is a peace of mind, they are willing to consider that as an option. Sales people know that very well and have a handful of arguments at the ready to throw at you when you are buying a product. There is no wonder why extended warranty upsales make up for most of sales people’s wages. They are aware of statistics themselves and know that for the most part, vast part of extended warranties they sell will expire without any claims made, which literally means it’s hundreds of dollars straight in their pocket with nothing being given in return.

Cost of Extended Warranties

The cost of an extended warranty is not low at all. It’s typically 1/4 to 1/3 of the price of the item. So if you are buying a $1,000 worth of a laptop, you are looking at good $300 for an extended warranty. That’s a big chunk of money if you look at it. But it gets better – consider this:

If you do spend $300 for 3 years of extended warranty for your laptop, you will have your laptop “protected” until such time that it will be an obsolete piece of junk you won’t be able to use because modern application will not run on it. It’s a simple fact that technology progress is immense. You won’t even reach the end of your extended warranty and you will already start looking around for a new laptop that will contain all latest components cause your old one doesn’t have it. Had you not used the $300 for an extended warranty with purchase of this one, but used this money towards the fund for purchase of a new laptop, you’d be much better off right now. Because even if your laptop quits on you after three years, with an extended warranty you could get it fixed but end up with the same obsolete piece. Whereas if you put this money to work for you in the meantime, gain on its worth and use it towards the purchase of new laptop, you would end up with latest technology piece that will far and wide outdo your old one. Fast aging of electronic devices makes extended warranties not worth it. We’re not in the 1920’s when products were expensive, but were made to last. We are living in the age of disposable electronics. What you buy is not built to last, so don’t fix it, replace it.

Replacing a product after a period of use with newer, better, more feature rich and more up to date version is better than having an old one repaired on many accounts. Let it serve you for as long as it will and when its time comes, upgrade to a newer version. Gateway and Dell – makers of portable computers have both admitted that they have seen minimal increase in costs for warranty claims after they started offering extended warranties, but the increase in revenue grew substantially. That means that prior to offering extended warranties their cost of taking care of regular warranties may have been in the $16 Million mark, but as they started offering extended warranties, the cost of taking care of claims rose to $17 Million mark, but their revenue grew by $33 Million which came from sales of extended warranties.

Extended Warranty Scams

Savvy buyers know that many specialty coverages are a scam. Good example is rust protection for your new car. Car sales men like to offer special coating for your newly purchased car and since you are spending $20,000 on it, you should definitely consider investing additional $1,000 to have your body covered with special anti rust coating, right? It would normally make sense, unless you look deeper into it. And if you do, you find out that car body already comes with 10 years of anti rust manufacturer’s warranty. In other words, car dealership will try to sell you protection for your car that will do the same job factory applied protection does.

This scam is by no means limited to car dealerships. It is not uncommon to have extended warranties for laptops that cover certain parts of it for certain periods of time. But if you were to take a closer look at what is covered by an extended warranty, you would see such thing as “3 years replacement coverage for RAM chips” but oddly enough, most RAM chips come covered for a minimum of 3 years by the manufacturer.

Scams of that sort are very common. Retail outlets will try to sell you something your purchased item already comes with by default. This is yet another reason that makes purchasing extended warranties NOT worth it!

Who Does The Extended Warranty Work?

If you buy an extended warranty with a retailer, it will be the retailer or their sub-contractors who will perform the warranty work. During the course of my research, I have spoken with a number of people who had purchased extended warranties. Vast majority has never made any use of it. Few could have used it, but after 3 years they were not able to locate the receipts which nulled their eligibility for a warranty claim. Then there were a couple who did need to get something repaired and they each had bad experience. It was not uncommon to be told that something is not covered by an extended warranty, however even if a legitimate claim was made, the repair will be performed by their own people who often lack quality expertise and the job will be poorly done. There is nothing more frustrating than wasting time waiting to get your unit repaired, only to find out that after you got it back eventually, the issue still persists.

Conclusion: Extended Warranty – Worth It or Not?

Two things to consider:

Unless you are buying an item made by a company notorious for lousy, prone to breaking products (most Apple products, for example), then an extended warranty is most likely NOT worth it
If you know yourself as someone who looks after their stuff and doesn’t abuse it, then extended warranty is most likely NOT worth it. If on the other hand you often leave your laptop on the floor covered with an endless pile of garbage so you may end up stepping on it cause you couldn’t see it, and if you have a history of leaving your laptop on an anthill to let all forms of insects get into it, or if you use your laptop as tray for food and drink you consume while you are driving, then perhaps in such cases you should consider extended warranty. In your case it may be worth it.

In conclusion, and as a general rule – extended warranties are NOT worth it. They are extremely overpriced and in most cases end up being nothing more than money straight down the drain. If you do want to have peace of mind no matter the cost, then at least negotiate with the retailer and make sure you do not spend more than 20% of the item’s price on an extended warranty. Even so, if you are willing to admit that the item has a 20% chance of breaking down on you, then perhaps you should do your research better and opt for a brand that’s not notorious for having 20% of their product break down on consumers. If you go with a solid brand, chances that your purchase will serve you well are far greater than chances it will break.

Consider the odds. If you are buying portable electronics, chances of it getting stolen are far greater than chances of it breaking down. If you are going to spend the money, spend it on theft insurance or tracing software so you can increase the chances of recovery.

Products seldom break during the duration of extended warranty. Majority breaks while still under manufacturer’s warranty or die entirely long after your extended warranty has expired.

Given the cost of extended warranties, you are often better off using the money to start the “product repair fund” so you can take care of future issues and if none arise, use the fund towards the purchase of an upgraded version of the product.

If you make an extended warranty claim, you may not see your product for a month. If it’s something you need, such as a laptop for work, you will be screwed. You did not buy a laptop to be a month without it. Loss of productivity you will have incurred far outweighs the peace of mind offered by an extended warranty.

Finally, take a look at all the electronics you have bought throughout your life. How many of those have failed? Imagine you’d have bought an extended warranty for each of them – where would you be now? Would you have saved money or wasted it?

Buying an extended warranty is like going to a casino. The party that takes money from you, does so by making you believe that you are likely to get a lot in return. At the end of the day, whether you spent the money in a casino or for an extended warranty, it’s the receiver of your money who wins, not you. It’s a gamble. That’s why they do it. It’s because they know the odds are heavily against you. On occasion, someone wins, but vast majority lose. Though the reason why stores like Best Buy or Future Shop where I bought my laptop are able to offer near no mark up prices for products is because they rip people off on extended warranties. So I guess I better shut up now because without extended warranties, they would have to bump prices of the products they sell up to stay afloat. The more people buy extended warranties, the more it ensures low, near wholesale prices for products. Yeah, extended warranties are not worth it, but they ensure extremely low prices for gadgets I need. Keep buying, people 😉

Time – Your Most Precious Commodity

Throughout my life so far it’s always seemed as though I’ve never had enough time to do the things I am supposed to do, let alone things I want to do? The dreaded “wasting my life away” quote was at the back of my head as I was sitting in my cubicle browsing through pictures of people photographing themselves having the time of their lives at places I’ve never been to. All I could do at the time was say “maybe one of these days” to myself. After all, I have to go to work every day which leaves me with little time for traveling and money is tight so I’ll just have to bite the bullet and hope something comes my way. It didn’t.

Actually, it did but in a whole different form than I would have imagined. As part of my spiritual awakening I started to see things differently and realized how precious a commodity time is. It was already clear to me that spending the best years of my life working so one day when I retire I can enjoy myself made no sense, but when I realized the value of time, things took whole new turn. “Maybe” must be replaced with “May Be”.

I had tens of thousands of dollars worth of stuff sitting in my livingroom and I’ve dumped it all in the bin. I have primarily done it to liberate myself from chains these possessions kept me in, but as I was done, a realization of one far more important aspect of this act came to me. By dumping all these in the bin, I have also saved myself a lot of time. The other option was to list all these items for sale on classified ads sites. Had I followed this option, I may have added few nice bucks in my pocket but at what cost?

I’d have to take each item, take picture of it, get pictures ready for use on the net, write up a reasonable description of the item otherwise it may not attract attention of potential buyers and go through steps of publishing it on the websites. Subsequently, I’d have to deal with potential buyers who would be hitting me up with supplemental questions about each item and requests to drop the price (aka negotiations). I’d be spending my evenings responding to emails, bouncing them back and forth in hopes that someone will bite.

If I got lucky and found a buyer willing to shell out for these second hand things with expired warranty previously owned by a person they don’t know, I’d have to let it go for a price that’s way below reasonable value, because that’s how it goes with classified ad sales. So yes, in theory, I’d eventually make some money on it, but amount of time I’d have to invest into it could grow exponentially. Postings and repostings of ads that didn’t attract any bites, continuous questions from enquiring minds who’ll be trying to lowball me ad nauseum… would time invested really be worth it?

Bingo – that was the million dollar question. If it’s money you want, perhaps one would be better off spending this time focusing on something that could bring more in. As I was digging deeper into it, I came to realize the real value of time. Yes, time is your most precious commodity, because there is no money in the world that could buy it. Those things I had dumped – if such need arises, I can buy any of those back. But time – that’s one thing you can never buy back. Nothing in this world is more precious than time.

Time is so precious, everything revolves around it. Every regret you have is directly or indirectly affiliated with time. If you lose someone you love, you will be devastated. It’s after they are gone that you realize that so many things were left unsaid, so many undone. And now they will remain unsaid and undone forever. And it’s all because you have not spent as much time as you should have with that person. Perhaps it’s because you spent your days going to work and after work you were too tired. Perhaps it’s because you spent last two weeks re-visiting that car dealership and spent every evening there trying to get that new SUV for $10,000 less than advertised. To make or save money, you spent your time – the most precious commodity you have – by doing everything, except from what truly matters to you.

You are not the only one who makes this very mistake. I spent near a decade of my life – the best years of my life – going to work every day, working for money so I can exchange it for things that I then had to store in boxes and haul them around each time I moved. I did not do things I wanted to do and it went on for near 10 years. I will never be able to get those 10 years back. I can get back any of the items I threw in garbage as described above, but my years I spent going to work are irrevocably gone. During those years I haven’t done anything I really want to do. I simply went to work every day with a vision, that one day, sometime in the future I will retire and then I will be able to do what I want to do. As this premise became clearly ridiculous, I realized the value of time and started acting accordingly.

Keep this in mind – time is your most precious commodity. This day, this particular day on which you are reading this post will be there only once in your lifetime. Seize it. Seize the day! Wise people have been telling us that for millennia and I can’t believe it took me this long to realize it. There is a world of infinite possibilities out there. Live your dreams now, not in 20 or 30 years. Time does not discriminate. There are 1,440 minutes in a week and every single person out there gets this exact amount. It’s how you choose to use those minutes that makes the difference between those who live life to the fullest and those who don’t.

Working Until Retirement Make No Sense – Here is Why

The idea of spending the best years of your life going to work makes no sense. Work is a form of slavery with the only difference being that slaves were provided for, whereas workers must provide for themselves. If you are at work as you are reading this, ask yourself: “What would you rather be doing right now?” When I asked myself this very question sitting in the cubicle of my fine government job, I imagined myself climbing on top of the Kaieteur Falls in Guyana to feel the power of this mass of water plunging into the abyss below my feet as I look over the edge of the crevasse. The obvious question that followed was: “So why are you not there? Why are you sitting in the cubicle? What are you waiting for? If you keep waiting, soon you won’t be well enough to make it up there.”

The thing is, as I resumed traveling, the days while I was on the road felt so fulfilling, it gave me the sense of purpose. After I have returned to my cubicle, that purpose was gone, but desire to come back to it was red hot. To keep the spark alive, I travelled and travelled and travelled, visiting three foreign countries and two exciting places in my homeland within a span of a few months. I spent my evenings exploring the world from my computer chair putting a list of next places to visit together in my head. And the more I was digging into it, the more I felt like each day I spent at work is a day wasted. I felt like I should be doing something exciting because that’s what makes my life feel fulfilling but spending the best part of each day at work wasn’t it.

The scenario of enslaving yourself by going to work during the best years of your life in order to save money so overtime, once you have reached retirement you can take it and fulfill your lifetime wishes makes no sense. There is simply something terribly wrong with that equation: first of all, you may not even live long enough to reach retirement. If that happens to be the case, then all you will have known your whole life is work. You will not have gotten a chance to enjoy yourself because your life has ended before you reached retirement. Secondly, even if you are one of few who live long enough to reach retirement, by the time you get there, you will not be physically or otherwise fit to do all the exciting thing this life has to offer.

It’s a long way to retirement. Anything can happen during those endless years. You could get involved in an accident that will negatively affect your mobility. Or you could develop bad disease that will in some way limit your ability to enjoy life to the fullest. Taking all that into account – don’t you feel the same way I feel? I mean, what sense does it make to spend the best years of your life, years while you are still able bodied – going to work, wearing yourself out performing your job duties – so one day, in the future, when you retire you could start enjoying yourself?

You don’t know what tomorrow brings. The time to enjoy yourself is now. Seize the day as it will never come back.