You Have Cancer


At the closing ceremony of Relay For Life on Sunday at the Millennium Institute in Mairangi Bay, Auckland, New Zealand, we were told these are the worst 3 words you can hear in your life. As part of Team Hope Fighters, I was one of a group of awesome people who raised funds through a variety of activities culminating in an 18 hour walking relay. Our group walked the equivalent of Auckland to Blenheim and the full compliment walked the equivalent of Auckland to New York via Los Angeles, collecting over $120,000 for cancer research along the way.

Team Hope Fighters

Team Hope Fighters

I lost my first friend, my best childhood mate to cancer at the age of 9. Since then, like most people I have lost lots more. My grandmother, my father-in-law (who was a past President of the Lost Chord Club) and many more. I have relatives who are survivors and one who has only recently found out they have cancer and who didn’t want to tell me.

Relay For Life is a poignant event, which starts of with a Survivors Lap, lead by people who are in remission or still battling this horrendous condition. Many of these people marched for much of the 18 hours of this event which was very inspiring.

We walked through the night and I was pleased to survive sans blisters and managed just over a marathon

Walking through the night

Walking through the night

distance, which was a real achievement for me considering I hadn’t trained. One monster in our team was in training for a super marathon in 3 weeks time. I’m not sure exactly how far he ran, but it was in excess of 140km which was amazing.

Blues in the night

Blues in the night

During the night there were various activities including games, bands, the lighting of the HOPE lights, food stalls

HOPE

HOPE

including bacon butties (something my stomach couldn’t handle the thought of at 3 in the morning, despite the pervasive aroma which I would normally relish) but I did see a number of Police enjoying them after a brief team run in full kit, very brief I might say, but it was great to see them there. It would be really cool to see an official team from them next year:)

Candle Tribute Bags

Candle Tribute Bags

People created candle bags (LED Candles for safety) and left messages for loved ones which twinkled during the night, adding to the spectacle. Reminding people why we were there.

I made an interesting discovery at about 4 in the morning which was that it was pretty much just as painful getting back up and moving after sitting down for a while as it was being back on the track, so back I went.

Looking out from our tent site

Looking out from our tent site

Ultimately this was an awesome event, which despite having said after walking through the mud in Kumeu last year, that I wouldn’t do it again, I will most likely do it again next year, although I might train for it next time. After all I can’t be satisfied with only 44km in 2014:)

Don't judge me

Don’t judge me

In closing many thanks to my personal sponsors, to all sponsors, huge thanks to the many volunteers and kudos to the cancer survivors. Cancer doesn’t respect age, gender, ethnicity or anything else and I doubt there is anyone who hasn’t been touched by it themselves or through a friend, family member or colleague.

One footnote. I’m seeing ads on TV for cycling for cancer and other events, which appear to be commercially funded. I didn’t see any news media at this event at all, despite the number of people all giving their time for free other than a TV crew who appeared to be recording a documentary. Where was the NZ Herald? Where were the radio stations? Where was TV One and TV 3? Where was the North Shore Times?

New Ways To Read The News


I’ve written before about the newspaper industry and why newspapers will fade away. In Jeff Jarvis’ book What Would Google Do? there is a prediction that the last newspaper will be printed in 2040.

I no longer subscribe to a daily paper. I do scan the office copy and have a Firefox widget that gives me access to my local paper the New Zealand Herald although they haven’t updated it since March and it doesn’t work properly with the latest Firefox version.

Where I get most of my news from is in fact Twitter. Lots of people still don’t understand the power of Twitter. I’ve found it is the best way to get up to date information about what is going on locally and internationally. If I want to get information, I simply do a search on my Twitter client, Hootsuite, which I can save as a stream so I don’t have to keep searching.

In addition, I use the paper.ly service and have 2 daily Twitter newspapers where the content is generated by the people or businesses I follow. I have 2 daily papers. One is for my generic Twitter account, and the other is for my songwriting business.

The service I use is called Paper.li and my daily online newspapers which you can subscribe to for free are the Luigi Cappel Daily and the other is my Cappel Music paper. I can go to either of these papers and read stories that are of interest to me. The reason I can do this, is because it aggregates Twitter stories with links from people I follow.

A benefit of this is that it focuses me on following people that have something to say that I am in fact interested in. So if you follow me on Twitter you will see that I typically hover around the 2,000 follows as opposed to some people who follow and collect people like they were trying to follow everyone. If I follow you and your tweets don’t interest me, I won’t be following you for long. Doesn’t mean you don’t have something valid to say, just that I only have so much time and there is so much going on.

So my newspaper has a front page and today it includes stories such as Google TV devices being delayed, South Korea’s military exercises, arrests in a UK terror plot, the latest in the Pike River Coal Mine Disaster, faulty Kindles and more. There is a Stories Page, an Arts and Entertainment Page, a Technology Page, and more. You can even subscribe to my paper, or make your own and its all free.

I mentioned searches on Twitter for news as well. I won’t go into hashtags, you can google that if you are interested, but for a couple of examples, here is a search on Heathrow, which has been closed for several days because of snow and ice. The best way to find out what is going on is from people who are there. You’ll probably find photos and lots of human interest stories as well as the latest information. Interesting as I write this, Sky News were saying on TV that Heathrow Airport doesn’t want their cameras at the airport interviewing angry people waiting for their delayed flights.

Another topical example is North Korea which is obviously of great concern to those of us who don’t want to see a new war front.

This isn’t the only way I get news, I also have an iGoogle page which is my RSS feed aggregator. I keep standard news searches there for things that interest me as well as tools such as currency converters, time zone calculations so I don’t miss my online tutorials from Berklee Music out of Boston, weather forecasts and lots more.

So do I need a print newspaper? No. Is that good? Well putting my ecological hat on, according to Wikipedia, 35% of all trees felled are used to generate paper. Newspapers must be a massive proportion of that. We know that we need trees to combat climate change, so I’m doing my little bit:)

Death of the newspaper

On Living Longer


I’ve decided I want to live longer.  I love technology and I love this world of change and the ability to be involved in this technological era. I have things to contribute and I want to be active in ICT, Location Based Services and also as a songwriter. I want to see my children and grandchildren grow up and explore this ever changing world and see what they make of it.

I’m going to have to work longer, that was always expected, but then providing my Maslow and Herzberg needs are met, I enjoy working. I enjoy making a difference, helping people achieve their goals. I enjoy learning, watching what is helping in my spheres of interest, particularly those mentioned above. I enjoy collaborating and networking and am particularly passionate about seeing New Zealand step up to the plate and continuing to innovate and achieve greater success on the world stage.

I reckon a healthy target for me would be 120 given medical advances now and in the future. My greatest risks are probably heart and cancer, with the determining factors being nature and nurture and my general disposition i.e. my attitude and happiness.

One thing that is obvious is that I have to look after my financial well being. If I continue to work, then raising the retirement age isn’t going to be a major for me. If I am enjoying my work, see a future for myself where I can contribute from my experience, passion and knowledge and can continue to grow, I wouldn’t be expecting to retire at 67.

I know I can’t rely on the Government to give me any kind of lifestyle on the retirement pension anyway. Our budget deficit has just been raised to over $15b and despite some significant successes, we still don’t have an infrastructure that really supports innovation. We tend to take credit once people are successful, but most successful innovators tend to be successful in spite of the country’s and their employers contribution rather than because of it.

So my first considerations as I start goal setting and planning will be how I can maintain my lifestyle in the years to come, continue to build an asset base so that when I wind down to a shorter working week I can continue to enjoy a lifestyle and if I should be forced into retirement through poor health (which is not the plan) I can still live comfortably, which no one can in NZ on a pension or benefit. I have a super scheme, I still have a mortgage. I am closing down my rental property LAQC and have sold my rental property. The Government doesn’t want people be able to claim losses from their expenses and without that I can’t afford to own rentals. I’ve invested in public companies before, but unless you are buying and selling daily, this is in my opinion a far greater risk business. Even the biggest companies make mistakes or get caught up in circumstances beyond their control and shareholders unless they are big, have little or no control over their destiny. How many Kiwis lost their life savings in the past by investing in ‘rock solid’ companies?

So I’ll invest in myself. I am studying song writing at Berklee Music on-line, which is costing me a small fortune, but if I can score 1 or 2 hits somewhere along the way, I’ll recoup that investment. I study the industries I’m involved in daily through the media, the occasional conference, networking in person and through social media such as LinkedIn and Twitter and I read a lot.

I have and continue to amass a huge amount of local and international experience in a number of industries, particularly in the application of leading edge technologies to solving business problems. Experience, I have learned takes years and is perhaps something that is least appreciated by younger people who come out of university thinking they know everything and by people who have stuck in one industry or a very small number of companies during their work career.

So to cut a long story short, I need to start planning for my long future. I need to consider a range of aspects, particularly how I want to live those years, what I want to do in them, what I want to contribute, what capital I need, how to maintain my health and fitness. Must be time for some goal setting and dream building.

I’ll leave the last word for now to Anne Brunet (who came via that other little university in Boston (not Berklee Music, but Harvard) and Thomas Rando of Stanford U.

Note the real meat of this video starts around 21 minutes in.

NZ Herald Landlords taking money we need


It’s soapbox time folks. Over the last week, there have been several stories in the NZ media about businesses complaining that people are investing in rental properties instead of buying shares and options in companies on the share market. The latest was in yesterday’s NZ Herald.

I take exception to their bleating and here’s why. Many years ago I worked for a company called RC Dimock as a divisional sales manager. A number of us got together under the guidance of the Financial Controller and formed a share club. We all put money in each week and collaborated on which companies we would invest in.

I really enjoyed it. I read every copy of NBR, charted the daily value of stocks, learned about all aspects of stocks and bonds and invested more in our own company, my employer when we were purchased by Anzon Investments. As time went on, I started investing independently, continued staying up to date with large reliable companies and punted on more risky investments in various industries.

I had my own broker and whilst my investments were not massive, I was young and suspecting that superannuation was not going to give me any sort of lifestyle, I was looking for ways to improve that situation when it came.

As well as Anzon, I joined many people who invested their life savings in NZ stalwarts including Brierley Investments, Carter Holt, Robert Jones and many other companies. Then came Black Tuesday and many Kiwis lost their entire retirement savings.

Friends and colleagues lost almost everything they had, whilst the senior managers of the public companies moved on and in many cases their old boys club helped them pick themselves up again.

When I got married and started a family, we bought our first modest home and gave up any form of lifestyle for a few years paying at times over 21% interest, but we were building some security. Other people’s poor business decisions and the economic climate were not going to take this from us, providing we were able to maintain the payments.

Subsequently I worked for a company which was embezzled by it’s CEO and lost 10’s of thousands of dollars in salary, commissions and a large company credit card bill that my boss had run up without my knowledge. I then learned what it means to get a company credit card and you sign a form in good faith saying that you are jointly and severally liable for a company credit card. The credit card company who were coincidentally owned by my bank told me that I could either pay for the company credit card, or they would sell my house and give me the change after the 9 month bill was paid.

Further in my career, when I was making a lot of money for my new employer of almost 7 years, I was made redundant when the company was sold, along with several of my colleagues and my MD. The decision was made on the basis of a spreadsheet looking only at what they were paying us, not the great success we were achieving, over budget in ebit and sales.

So forgive me for having a lack of faith in business as a way of protecting my future lifestyle if and when I reach retirement age.

I started learning about rental properties, LAQC company structures, negative gearing and tax benefits, in as much as being able to claim depreciation and costs against my personal income and invested in a rental property.

Some people thought I was rich because I had a rental property, but my own home remained modest and I was having to subsidise the rental to cover the cost of the 100% mortgage, i.e. I had zero equity. My first tenants were a young family with 4 kids. Sometimes they would call me and say they couldn’t make the rent and could they pay the following week. I was paying around $170 a week to top up the mortgage, because the rent didn’t cover it. Then there was property insurance, fixing appliances, calling in drainlayers when they tried to flush nappies and other unmentionables down the toilet. These are just a few of the issues I had, and if it wasn’t for the ability to recover some of these losses against my income tax I would have gone broke.

The family were never going to be able to buy their own home and didn’t take great care of mine. They couldn’t pay a rent that would cover my costs, market rents did not reflect the cost of owning property. My hope was that over time the property value would increase and I would recoup my losses.

The key to my rationale, which I still subscribe to, is that I was making my own decisions and having control in the level of risk I was prepared to take. I wasn’t going to have my safety net taken away by some entrepreneur who was travelling first class around the world, who was able to walk away and start again when he had spent all my investment savings.

Owning a rental property is a business. There is a need for rental properties. The Government has quit most of their State Housing stock and people who can’t afford to buy their own homes, around 35% of the NZ population, over 1.5 million people do not own their own homes. So who is going to take responsibility for them?

When people set up a public company and use our funds to run them and take risks with, we have no control over how they use our money. If things turn sour as they have for many Kiwis trying to invest their hard earned money, they walk away and set up their next business. Investing in public or private companies is high risk. For people who can afford that risk, great, enjoy. But most owners (think big mortgage) of rental properties are not wealthy people, they are just people trying to make sure they can afford a little lifestyle when they retire without being a burden on their family. It is not easy owning rental property and the odd example of someone who has built up a rental empire is the exception, not the rule. The majority are Mum’s and Dad’s who don’t want to live on a combined income of $478 a week.

Could you live on $478 a week including rent, power and phone? What would that give you for food? Forget entertainment. On the other side, there is the potential for people to live much longer than in previous years and with Baby Boomers, less tax payers to heklp support them.

If the Government wants us to invest in business instead of rental property, they should give us some security against the risk of public companies. Of course they will also have to invest in providing rental accomodation for the 35% of us who can’t afford to own their own homes. What are the odds of that? About the same as that of people who invested their life savings in Brierley Investment shares. Telecom shares anyone?

Another Reason Why Newspapers Will Fade Away


This morning for the 2nd time in 2 weeks my NZ Herald wasn’t delivered. This happened a couple of times previously with the Sunday Herald which was actually the one I used to enjoy the most. After the 2nd time I cancelled it. Two weeks ago when my Saturday Herald didn’t turn up, I tried to call them and got a voice message saying that I had called outside of working hours. I thought to myself that perhaps reading hours might disappear as well and this morning I told them that 3 strikes and they could say goodbye to my subscription.

This is one of the reasons why newspapers are on the way out. Not only are they reliant on people who really don’t want to go out on wet cold dark winter mornings, but a printed newspaper is becoming so inefficient.

I get headline tweets from the NZ Herald along with 1,648 other people, with links to the stories I want to read. Online I can see the headlines and major stories on their homepage and then I can see the headlines for each section and go straight to the stories that interest me. The Herald is only one publication I subscribe to on Twitter, there are several news services that flick past me on the side of my browser using Twitbin which is a Firefox plugin.

I also use iGoogle for my RSS feed. This gives me the latest news on all the topics I want to keep up to date on. That includes lots of streams around topics such as GPS, LBS, Psychology, Music and much more. It updates itself automatically all day and I can see which stories I have read in case my memory fails me.

Twitter of course is also a great vehicle for getting the latest news about anything. It told me that there was an earthquake in LA just as I boarded a plane there, although it turned out to be inconsequential. It told me what was going on in Iran and even if you can’t spell swine flu you’ll find out what’s happening to real people like Izzy who just found out her brother has it.  If you could spell it correctly you’ll find out what is happening, which famous people have just caught it and more than you’ll ever want to know.

I started off saying that newspapers are closing and you probably thought I was exaggerating didn’t you. Well think again. Here are a few examples.

Of course there are also stories around the world talking about job cuts in the newspaper industry like this one in the Guardian.

This doesn’t mean, of course that we don’t want news. Of course we do, but we have new vehicles that are far more efficient, we now have a choice, in fact we’re spoiled for it. Did you wait for news about Michael Jackson’s death to appear in the newspaper? Of course not, it was on every TV news channel and you got it up to date. By the time the newspapers came out, the stories that were in it, such as him not being dead, but only in a coma, had long since been refuted.

The big problem for the print media companies, is that they don’t know how, or if they can monetise the online media. There are of course ways that they can do this, but they have to switch their thinking, which is so enrenched in ‘this is the way we’ve always done it’ that many of them won’t be doing it at all in the future. Sounds a lot like the recording industry doesn’t it?

New Powers for Medical Health Officers over Swine Flu


I should have seen this one coming from a mile away. While a lot of people still have their heads in the sand, the New Zealand Government have made Swine Flu a notifiable disease. In itself, that just makes sense, but in fact according to a NZ Herald story this morning, this means that they have authority to demand that people isolate themselves at home, or face fines or mandatory isolation in hospital or worse. 

There are many things to start thinking now, even if you still think it won’t happen to you. If you are isolated at home, do you have everything you need for at least a week? Will this mean that your family that lives with you or your flatmates will also have to stay home too? After all they will be at a higher risk of also getting infected. So if your whole house is quarantined, how do you get your basic supplies like bread and milk?

If pundits are right and it effects up to 60% of the population, or even only 10% are isolated, what happens to business? Grocery stores and other retailers who are in spittle distance of their customers will be at high risk because they are dealing with large volumes of people all day.

The schools represent a high risk, they have always helped spread illnesses, if one child has the measles, flu or any other contagious disease, it is a given that several others will also get it.

If people disobey the isolation requirements, then there are even greater risks, because this group will very likely carry the virus, so I have no problem with the mandate. However, the risk of people not obeying the rules is also high. In today’s economy, people don’t want to risk losing their jobs and many will continue to work because they need the money. In my office for example, staff get 5 days of sick leave a year, which is pretty easy to bite into if you have a flu or cold. There are people who will therefore have no sick leave, or not enough available and don’t want to use their holidays, but can’t afford to be sick without leave, so for as long as they can, they will continue to work.

Schools have been given detailed instructions on what to do in the case of an outbreak, including hygiene instructions, but in my opinion, most businesses are thinking that Bird Flu went nowhere and Swine Flu will do the same, so they aren’t taking precautions and they don’t have contingency plans should a large group of staff fall ill. The air conditioning systems will do a good job of spreading the virus, and some businesses may have to cease trading for several weeks, because while the illness might be gone in 7 days or so, people won’t be considerate enough to all catch the Swine Flu at the same time. 

Of course they could go to a Swine Flu Party. What sort of idiots would do something like that? Well it appears they are, using the same rationale that moms use when their friends children have chicken pox, “Let’s get it over with now”. The problem with Swine Flu is that unlike traditional flu, the virus has no respect for age or health and is capable of killing people of all ages and of course the domino effect would hasten the spread of this nasty illness. 

The new powers aren’t just a NZ initiative however, the same is occuring around the world, in Australia, Mexico of course and most other countries are now drafting legislation that will help them try to fight this problem.

So, are you ready? Do you still think it won’t happen to you, your friends or family, or perhaps your work mates? How prepared are you?