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	<title>In-Transit</title>
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		<title>Full Speed Ahead</title>
		<link>http://mloylo.wordpress.com/2011/09/20/full-speed-ahead/</link>
		<comments>http://mloylo.wordpress.com/2011/09/20/full-speed-ahead/#comments</comments>
		<pubDate>Tue, 20 Sep 2011 18:41:38 +0000</pubDate>
		<dc:creator>mloylo</dc:creator>
				<category><![CDATA[Introspective]]></category>
		<category><![CDATA[MBA]]></category>
		<category><![CDATA[Foster]]></category>

		<guid isPermaLink="false">http://mloylo.wordpress.com/?p=1408</guid>
		<description><![CDATA[Class instruction hasn&#8217;t officially started, but the MBA program is definitely in full swing. I have a feeling this short block style is gonna be the norm for my posts now as I don&#8217;t have the time to dig deeper into each topic. Instead of my regular stream of consciousness style now it will be [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mloylo.wordpress.com&amp;blog=8888475&amp;post=1408&amp;subd=mloylo&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>Class instruction hasn&#8217;t officially started, but the MBA program is definitely in full swing. I have a feeling this short block style is gonna be the norm for my posts now as I don&#8217;t have the time to dig deeper into each topic. Instead of my regular stream of consciousness style now it will be a flash of consciousness.</p>
<p>Career Services did a session on social media. I don&#8217;t like censoring myself and giving people half-realities. I think what I&#8217;ll do from now on is focus on the Dale Carnegie principles, especially the ones on not criticizing, condemning and complaining.</p>
<p>I&#8217;m really happy to move past the stage with some classmates of asking &#8220;where are you from?&#8221; &#8220;what did you do before the program&#8221; kind of questions and get to know to the person better.</p>
<p>Even if it&#8217;s not right, I do view having an undergrad degree in business as an advantage. I&#8217;m also very paranoid about losing that edge. I worry that I&#8217;ll become disengaged in class when it repeats too much of the same topics we covered before. I don&#8217;t consider myself smarter than everybody else. It&#8217;s only a timing issue. I just learned it earlier than other people, that&#8217;s all. I do bite my lips a lot lest I come across as cocky or arrogant when it comes to marketing, some of the basic quant classes, and career development. Hopefully there&#8217;s a way to leverage my experience.</p>
<p>This two years is going to be like an economics experiment. I do find myself looking at different aspects of life as a game sometimes. You can treat the whole MBA experience as a game of Settlers of Catan or some other game where you have limited resources. Obviously your biggest resources is time. You have to evenly distribute it to: sleep, academics, career, organizations, and personal (work out, friends, family, significant other, etc).</p>
<p>Just the other day when I was signing up for MBA clubs it was painful to narrow it down to only 5. I told myself that I want to focus on quality instead of quantity in this phase of my life. I literally feel my stomach turn as I only sign up for 3 clubs. Who knows what it is w/ us overachieving kids. We never learn. We always want to suck on the marrow of life and choke on the bone as well.</p>
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		<title>30 Before 30</title>
		<link>http://mloylo.wordpress.com/2011/09/13/30-before-30/</link>
		<comments>http://mloylo.wordpress.com/2011/09/13/30-before-30/#comments</comments>
		<pubDate>Tue, 13 Sep 2011 15:10:58 +0000</pubDate>
		<dc:creator>mloylo</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://mloylo.wordpress.com/?p=1367</guid>
		<description><![CDATA[I&#8217;ve been in a list making mood lately. Another friend of mine made her 30 before 30 list the other day. She turned 29, I have yet to turn 28. I figure I get a little unfair advantage here, but I am actually having a little problem coming up w/ 30 things I want to [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mloylo.wordpress.com&amp;blog=8888475&amp;post=1367&amp;subd=mloylo&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>I&#8217;ve been in a list making mood lately.</p>
<p>Another friend of mine made her 30 before 30 list the other day. She turned 29, I have yet to turn 28. I figure I get a little unfair advantage here, but I am actually having a little problem coming up w/ 30 things I want to do&#8230; am I that boring? I scanned around the internet for other people&#8217;s lists and the impression I get is that 1) This whole 30 for 30 thing is kind of chick thing&#8230; 2) There&#8217;s awful lot of the usual suspects like &#8220;sky diving&#8221; and &#8220;take ballroom&#8221;, which I have already done, and of course there&#8217;s also the lovey dovey crap like &#8220;fall in love&#8221; and &#8220;get married&#8221; which is all good, just not for me&#8230;. right now (HIMYM reference)</p>
<p>Well, here it is anyway. Some are pretty easy to do, but the one about giving a TED talk I think would probably be the most difficult one.</p>
<p><strong>1. Start a non-profit foundation</strong> -  still working on how to best invest my time to make the most impact</p>
<p><strong>2. Fly in at least a G4</strong> &#8211; I don&#8217;t have to buy a private plane by any means, I just have to fly in one either out of my own bank acct or invited by someone</p>
<p><strong>3. Scuba certified</strong></p>
<p><strong>4. Bungee jump</strong> &#8211; already done sky diving, logical next option</p>
<p><strong>5. Argentina</strong> &#8211; love, love Argentina</p>
<p><strong>6. Machu Picchu</strong> &#8211; I hear they&#8217;re considering closing it permanently due to conservation reasons&#8230; better make it happen soon</p>
<p><strong>7. Learn how to drive a stick</strong> &#8211; surprisingly important survival skill when renting cars in Europe</p>
<p><strong>8. Get a meaningful tattoo</strong> -  somewhat discreet, corporate friendly of course</p>
<p><strong>9. Own a tuxedo</strong> &#8211; when you turn 30, you own instead of rent</p>
<p><strong>10. Read 30 new books</strong></p>
<p><strong>11. Oktoberfest &#8211; </strong>very feasible before school starts next fall<strong><br />
</strong><br />
<strong>12. Do a stand up open mic<br />
</strong><br />
<strong>13. Brew my own beer<br />
</strong><br />
<strong>14. Learn how to fillet a fish<br />
</strong><br />
<strong>15. Learn to tie a bow tie </strong>- see #9<strong><br />
</strong><br />
<strong>16. Touch rim </strong>- this is my way of saying lose weight, something more tangible, measurable<strong><br />
</strong><br />
<strong>17. Northern lights</strong> &#8211; might be easier than originally planned considering Seattle&#8217;s proximity to Alaska<br />
<strong><br />
18. Learn how to break down a chicken</strong><br />
<strong><br />
19. Speak at a TED conference</strong><br />
<strong><br />
20. Fluent in Spanish</strong> &#8211; Rosetta Stone&#8217;s progress is painfully slow&#8230;<br />
<strong><br />
21. Burning Man</strong><br />
<strong><br />
22. Turn tables</strong> &#8211; I will also accept vinyl player instead of regular DJ turn tables<br />
<strong><br />
23. Shooting range</strong><br />
<strong><br />
24. Shoot under 100 in a round of golf</strong><br />
<strong><br />
25. Play in a WSOP tournament</strong><br />
<strong><br />
26. Catch a fish </strong>- believe it or not in the handful of fishing outings I&#8217;ve gone on I&#8217;ve never ever caught a fish&#8230;<br />
<strong><br />
27. Live in a house boat </strong>- even if it&#8217;s for a day<br />
<strong><br />
28. Interview someone really really really ridiculously successful and I admire greatly</strong> &#8211; like Guy Kawasaki for example<br />
<strong><br />
29. Throw out the first pitch </strong>- at a game of any level<br />
<strong><br />
30. Catch a fish w/ the Pike Place Market guys</strong></p>
<p>and two more just for fun&#8230;</p>
<p><strong>31. Get an A in Accounting</strong> &#8211; although I started out as an accounting major in undergrad, my grades in that certain subject had not been stellar&#8230; consider this a redemption)</p>
<p><strong>32. Eat at a Top Chef contestant&#8217;s restaurant</strong></p>
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		<title>Back to school</title>
		<link>http://mloylo.wordpress.com/2011/09/09/back-to-school/</link>
		<comments>http://mloylo.wordpress.com/2011/09/09/back-to-school/#comments</comments>
		<pubDate>Fri, 09 Sep 2011 05:55:33 +0000</pubDate>
		<dc:creator>mloylo</dc:creator>
				<category><![CDATA[MBA]]></category>
		<category><![CDATA[Foster]]></category>

		<guid isPermaLink="false">http://mloylo.wordpress.com/?p=1400</guid>
		<description><![CDATA[Well, the day is here&#8230; officially starting the program at Foster now. You know it was coming. For months I felt the vibration on the rail track, the jet of air shooting out of the tunnel along w/ blinding headlights and deafening horns. Yet, I still felt like I got steamrolled into a pancake as [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mloylo.wordpress.com&amp;blog=8888475&amp;post=1400&amp;subd=mloylo&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>Well, the day is here&#8230; officially starting the program at Foster now. You know it was coming. For months I felt the vibration on the rail track, the jet of air shooting out of the tunnel along w/ blinding headlights and deafening horns. Yet, I still felt like I got steamrolled into a pancake as I walked into the auditorium this morning.</p>
<p>Somehow, I feel like I&#8217;m exactly where I&#8217;m suppose to be. All the pieces are falling into place, like a well played game of Tetris. Part of me still wants to yell out to the conductor: &#8220;stop this train! I wish to get off!!&#8221;</p>
<p>(That concludes the train metaphors for this post)</p>
<p>I&#8217;d like to thank my alma mater McCombs for preparing me for this.</p>
<p>The lack of good Mexican food is killing me. And chips and salsa should be complimentary, not extra $2.</p>
<p>It&#8217;s really funny people in Seattle complaining how hot it is when it&#8217;s barely 80 degrees&#8230; Texas is so hot it&#8217;s on fire, literally (prayer goes out to Timmy and his family that evacuated from Bastrop, and everybody else that were affected)</p>
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		<title>180 Hours Later</title>
		<link>http://mloylo.wordpress.com/2011/09/03/180-hours-later/</link>
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		<pubDate>Sat, 03 Sep 2011 06:02:29 +0000</pubDate>
		<dc:creator>mloylo</dc:creator>
				<category><![CDATA[Travel]]></category>
		<category><![CDATA[Big Sur]]></category>
		<category><![CDATA[Daikokuya]]></category>
		<category><![CDATA[Ian Axel]]></category>
		<category><![CDATA[Lucha Libre]]></category>
		<category><![CDATA[Manhattan Beach]]></category>
		<category><![CDATA[McDonald Observatory]]></category>
		<category><![CDATA[Redwood]]></category>
		<category><![CDATA[Seattle]]></category>
		<category><![CDATA[Sonoran Dog]]></category>
		<category><![CDATA[Tucson]]></category>
		<category><![CDATA[Voodoo Donuts]]></category>
		<category><![CDATA[White Sands]]></category>

		<guid isPermaLink="false">http://mloylo.wordpress.com/?p=1372</guid>
		<description><![CDATA[I still refuse to acknowledge that I&#8217;ve moved away from Austin. I think deep down I know one day I will be back. I&#8217;ve been telling Austin and I are just taking a break, a la Rachel and Ross on Friends. If I had to move anywhere though I am at least glad it&#8217;s Seattle. [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mloylo.wordpress.com&amp;blog=8888475&amp;post=1372&amp;subd=mloylo&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p style="text-align:left;">I still refuse to acknowledge that I&#8217;ve moved away from Austin. I think deep down I know one day I will be back. I&#8217;ve been telling Austin and I are just taking a break, a la Rachel and Ross on Friends. If I had to move anywhere though I am at least glad it&#8217;s Seattle. Music is an important part of that decision. Obviously I could&#8217;ve moved to New York or Los Angeles but I don&#8217;t really want to live in neither of those cities. And you can just shut up about the rain and suicide thing right now. It&#8217;s not really rain in Seattle&#8230; it like, mists. Like at the produce aisle. Also, the city w/ the highest suicide rate is actually Las Vegas.<a href="http://mloylo.files.wordpress.com/2011/09/img_20110830_222837.jpg"><br />
</a><br />
Moving has been absolutely crazy. I was up until 5am the night/morning before departure packing and I even skipped my last golf lesson (the only pre-MBA preparation I did). I actually left my Seattle key on a different key chain&#8230; so stupid. I also forgot my phone and laptop charger somewhere. We left 2 hours later than originally scheduled. Between the time I left my house in Austin and the time I get to my new apt in Seattle 180 hours had passed. In between we stopped at:</p>
<p style="text-align:left;">1.<strong> <a href="http://mcdonaldobservatory.org/">McDonald Observatory</a></strong> in West Texas for the Star Party. I had taken a Freshman Seminar 9 years ago called Galileo Scandal under the Astronomy Department and they had mentioned about the place. Technically it&#8217;s UT campus, so if you&#8217;re hard core A&amp;M fan or goes to that other school north of the Red River you might want to reconsider visiting. Without the light pollution the stars almost look unreal. The way they are up in the sky almost looks like someone projected them up there. It was also very educational.</p>
<p style="text-align:left;">2.<strong> <a href="http://www.nps.gov/whsa/index.htm">White Sands </a>National Monument</strong> in New Mexico. Our GPS accidentally directed us to this military base at first. After some questioning from the officer on duty, he decided to let us on base and cut through instead of going all the way back to El Paso and take a different highway. He made me pop my hood, checked if there were drugs in between the car panels and the whole enchilada. When we got to White Sands we didn&#8217;t stop by the visitor center, where we probably could&#8217;ve rented or purchased a sled, instead we just paid and went straight in. Fortunately I decided to bring my snowboard up to Seattle so we just took that out and gone down the dunes on that instead.</p>
<p><a href="http://mloylo.files.wordpress.com/2011/09/img_20110824_132234.jpg"><img class="aligncenter size-medium wp-image-1376" title="White Sands Military Base" src="http://mloylo.files.wordpress.com/2011/09/img_20110824_132234.jpg?w=300&#038;h=224" alt="" width="300" height="224" /></a></p>
<p style="text-align:left;">3. <strong>Tucson</strong> for a quick Sonoran dog. I still don&#8217;t if this is just a Hispanic thing or what&#8217;s going on because my Tucson friends never mentioned anything about it when I visited before and when I asked again this time around they still are not quite sure what I&#8217;m talking about. Basically it&#8217;s like your regular hot dog except they put beans on it and some other toppings. It wasn&#8217;t that special&#8230;</p>
<p><a href="http://mloylo.files.wordpress.com/2011/09/img_20110824_193955.jpg"><img class="aligncenter size-medium wp-image-1377" title="El Guero Canelo Sonoran Dog" src="http://mloylo.files.wordpress.com/2011/09/img_20110824_193955.jpg?w=224&#038;h=300" alt="" width="224" height="300" /></a></p>
<p style="text-align:left;">4. Since my friend Vivek, who&#8217;s driving up w/ me, has not seen SoCal before and it&#8217;s been ages since I seen <a href="http://vickichang.wordpress.com/">Vicki </a>we decided to stop in <strong>San Diego</strong>. We went to <a href="http://www.tacosmackdown.com/">Lucha Libre </a>for lunch. They put fries in the burrito I ordered instead of rice, which had no taste&#8230; it was just filler. I would&#8217;ve preferred having rice. The whole place is decked out in Mexican wrestling trinkets. There&#8217;s a microphone like the one they lower down into the ring for the announcer when they call for you to pick up your food. Giant gold championship belt. Warhol style luchador painting. You name it.</p>
<p>I went to Sea World when I was a kid, but I didn&#8217;t go to the zoo. At least I don&#8217;t remember going. Not only are there&#8217;s no ligres and trouser snakes, the panda and elephant sections were also pretty boring. Pandas and elephants are my two favorite animals. If only there&#8217;s a way I can mate the two of them. I remember visiting the zoo in Washington DC and their panda section was awesome, filled w/ facts about panda, how they breed them there in DC, stories about where each of the pandas came from. There&#8217;s a lot of breadth at the San Diego zoo in regards to the variety of animals they have, but really not much depth.</p>
<p>By the way, La Jolla is pronounced &#8220;la hoya&#8221; not &#8220;la jola&#8221;&#8230;</p>
<p><a href="http://mloylo.files.wordpress.com/2011/09/picplz-2011-08-25-12-15-13.jpg"><img class="aligncenter size-medium wp-image-1374" title="Lucha Libre" src="http://mloylo.files.wordpress.com/2011/09/picplz-2011-08-25-12-15-13.jpg?w=224&#038;h=300" alt="" width="224" height="300" /></a></p>
<p style="text-align:left;">5. I didn&#8217;t even want to stop in <strong>LA</strong> other than get a bowl of ramen for lunch, but for Vivek&#8217;s benefit we stopped. Coincidentally, one of my favorite volleyball players from college days was playing in the Manhattan Beach Open, the Wimbledon of beach volleyball. I said hi to her before the match and actually got to chatting w/ her mother. I learned that Michelle was supposed to play in Virginia Beach that weekend but because of Hurricane Irene she played in LA instead. Works out well for me!</p>
<p>We did the standard touristy stuff for Vivek, like Getty Center and Santa Monica Pier before driving through Beverly Hills to meet up w/ my good friend&#8217;s sister who just moved out here 3 months ago. We took the subway downtown to Little Tokyo for Daikokuya ramen&#8230; supposedly the best in LA. I had my doubts about the public transit in LA. It wasn&#8217;t completely terrible. There are people riding the subway, but the trains looked like they were on loan from 80&#8242;s NYC sometimes and they come way infrequently&#8230;</p>
<p><a href="http://mloylo.files.wordpress.com/2011/09/img_20110826_232929.jpg"><img class="aligncenter size-medium wp-image-1378" title="Daikokuya Ramen" src="http://mloylo.files.wordpress.com/2011/09/img_20110826_232929.jpg?w=224&#038;h=300" alt="" width="224" height="300" /></a></p>
<p style="text-align:left;">6. You&#8217;d have to ask Vivek how <strong>Big Sur</strong> was b/c I was really tired and hardly remember anything&#8230; we drove through the night to get to Big Sur by morning. At 5, 6am I switched over to let Vivek drive and slept. I remember waking up to really heavy fog, walking around a trail amongst the redwoods, and Pfeifer Beach.</p>
<p style="text-align:left;">7. Part of the reason we wanted to make Big Sur by morning is so we can get into <strong>San Francisco</strong> in time to go see <a href="http://www.facebook.com/IanAxelMusic">Ian Axel</a> play at <a href="http://www.hotelutah.com/">Hotel Utah</a>. I had met Ian couple of years back through a friend. Ian&#8217;s got a little Elton John and Ben Folds to him. He&#8217;s touring w/ couple of other musicians and unfortunately going the opposite direction we are, otherwise I would&#8217;ve come support them in Seattle and at Hotel Cafe in LA.</p>
<p style="text-align:left;">8.<strong> <a href="http://www.nps.gov/redw/index.htm">Redwood National Park</a></strong> was gorgeous. I wish we had the time and cargo space to go camping for a bit. The fog makes it mysterious and the early morning peeks through between the trees. This is technically the third national park we&#8217;ve been to on this trip and I&#8217;ve got to say I&#8217;m really impressed w/ the content and organization they have on the website and also at the visitor centers. They make the visit much more enjoyable. You won&#8217;t hear me praising about government entities much so this is really something else.</p>
<p style="text-align:left;">9. Technically we could&#8217;ve drove straight through <strong>Portland</strong> but I wanted to try some of their food carts (they don&#8217;t call it food trailers out here) and also <a href="http://voodoodoughnut.com/index.php">Voodoo Donuts</a>. Portland almost puts Austin to shame. Restaurants will list exactly where each ingredient came from, down to the plot of land and longitude/latitude. Maybe I&#8217;ve just gotten used to Austin now but I&#8217;ve never really consider it to be weird. Portland was weird. Not weirder than Austin. Just different kind of weird. Perhaps this is how people feel when they visit Austin.</p>
<p><a href="http://mloylo.files.wordpress.com/2011/09/img_20110830_211021.jpg"><img class="aligncenter size-medium wp-image-1375" title="Voodoo Donuts Cap'n Crunch" src="http://mloylo.files.wordpress.com/2011/09/picplz-2011-08-30-21-18-18.jpg?w=224&#038;h=300" alt="" width="224" height="300" /></a></p>
<p><a href="http://mloylo.files.wordpress.com/2011/09/img_20110830_211021.jpg"><img class="aligncenter size-medium wp-image-1379" title="Voodoo Donuts Maple Bacon" src="http://mloylo.files.wordpress.com/2011/09/img_20110830_211021.jpg?w=224&#038;h=300" alt="" width="224" height="300" /></a></p>
<p>It took me almost 2 full days to fully unpack and set up my bed and desk. After multiple trips to places like Bed Bath and Beyond, IKEA, Home Depot I&#8217;ve finally got my room up and running fully functional now! Sometimes, the little things still reminds me the pain of leaving Austin, like reprogramming my radio&#8230; goodbye KGRS, hello KEXP. Or every time I fill out my address I still instinctively type my Austin address first, only to realize seconds later that I no longer live there.<a href="http://mloylo.files.wordpress.com/2011/09/img_20110831_172206.jpg"><br />
</a></p>
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			<media:title type="html">White Sands Military Base</media:title>
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			<media:title type="html">El Guero Canelo Sonoran Dog</media:title>
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			<media:title type="html">Lucha Libre</media:title>
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			<media:title type="html">Daikokuya Ramen</media:title>
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			<media:title type="html">Voodoo Donuts Cap'n Crunch</media:title>
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			<media:title type="html">Voodoo Donuts Maple Bacon</media:title>
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		<title>How to Get Rich</title>
		<link>http://mloylo.wordpress.com/2011/08/05/how-to-get-rich/</link>
		<comments>http://mloylo.wordpress.com/2011/08/05/how-to-get-rich/#comments</comments>
		<pubDate>Fri, 05 Aug 2011 15:32:27 +0000</pubDate>
		<dc:creator>mloylo</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Introspective]]></category>
		<category><![CDATA[Trading]]></category>

		<guid isPermaLink="false">http://mloylo.wordpress.com/?p=1362</guid>
		<description><![CDATA[Two separate and independent events prompted me to write this. One was from a friend, E, upset about people telling her she&#8217;s lucky to have her new job. Another is from Mark Cuban&#8217;s blog post about with the same title as this post. I had just came across an episode of Shark Tank where Mark [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mloylo.wordpress.com&amp;blog=8888475&amp;post=1362&amp;subd=mloylo&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>Two separate and independent events prompted me to write this. One was from a friend, E, upset about people telling her she&#8217;s lucky to have her new job. Another is from Mark Cuban&#8217;s <a href="http://blogmaverick.com/2008/10/04/how-to-get-rich/">blog post</a> about with the same title as this post. I had just came across an episode of <a href="http://abc.go.com/shows/shark-tank">Shark Tank</a> where Mark Cuban was on and another friend, W, highly recommended his blog so I added it to my RSS feed.</p>
<p>People tell me I am lucky all the time. I do feel fortunate and blessed to be doing what I do now at 27. Not a day goes by w/out me being thankful for what life has given me. However, I get the feeling that people tends to credit others&#8217; success to luck b/c they don&#8217;t comprehend it. It reminded me of the closing scene of one of my favorite movies of all time: <a href="http://www.imdb.com/title/tt0128442/">Rounders</a></p>
<span style="text-align:center; display: block;"><a href="http://mloylo.wordpress.com/2011/08/05/how-to-get-rich/"><img src="http://img.youtube.com/vi/1pHJklAF0y8/2.jpg" alt="" /></a></span>
<p>If you have not seen this movie, Matt Damon plays a young poker player while going to law school at the same time. His girlfriend makes him quit because she doesn&#8217;t understand it. She thinks it&#8217;s gambling and well&#8230; luck. Speaking as another poker player myself, poker takes an incredible amount of discipline, training, focus, patience, and hard work. It&#8217;s actually pretty boring sometimes. You do a lot of folding, waiting for the right opportunity. This was also a common misconception when it comes to trading.</p>
<p>It makes me wonder sometimes, maybe people don&#8217;t understand what it takes to be rich. I am not the first to say this, but getting rich is incredibly boring (have you read Mark&#8217;s post yet? go read it!). You get there by hard work and saving. I see so many of my friends that clearly do not understand this concept. Believe it or not, I don&#8217;t even own a personal credit card(I only have one for business purchases). I hardly ever go out to eat or downtown to drink anymore. I&#8217;ve been on a minimalist purge lately and I literally looked at all my expenses and brutally slashed out everything I was not happy about. It&#8217;s not about being cheap. It&#8217;s about value for me and my opportunity cost is much much higher. People thinks I&#8217;m joking when I say this, but this is one of my favorite mantras now:</p>
<p><strong>Jesus saves. So should you.</strong></p>
<p>There&#8217;s a saying that &#8220;luck is when preparation meets opportunity,&#8221; it is so true. If you don&#8217;t save and not have the capital when buying opportunities presents themselves, especially during market downturns where there are tons of bargains, how can you take advantage of it? We don&#8217;t even have to talk about real estate or stocks, just think about even sales down at your favorite retailer. Assuming credit cards don&#8217;t exist, if they&#8217;re having their biggest sale ever known to mankind and you can&#8217;t take advantage of it if you don&#8217;t have the cash, it&#8217;s the same thing. If this double-dip recession thing does come true, I hope you&#8217;ve saved up some capital to get some real bargains. I hope you&#8217;re like me, camouflaged and patiently waiting. Waiting for that big game to come right into your gun sight and ready to pull the trigger.</p>
<p>I blame the media. People see other millionaires driving fancy cars and big houses on TV, soon enough you start believe that it happens all the time. What&#8217;s worst is you start believing that&#8217;s the norm and now comes the credit cards, car payments, mortgages. Real millionaires don&#8217;t live like that. Pick up <a href="http://http://www.amazon.com/Millionaire-Next-Door-Thomas-Stanley/dp/0671015206">The Millionaire Next Door</a> at your local library/bookstore/Kindle if you haven&#8217;t read this book yet. People read about 100 stories about the success of Google and they start believing entrepreneurship or starting a business is easy. Yes, those are 100 stories, but they&#8217;re about ONE company.</p>
<p>It&#8217;s the same about travel and crime. One story about mugging and people are so quick to jump to conclusion about the overall safety of a country or city. I can&#8217;t even count how many times someone tells me backpacking is dangerous, so and so place has high crime rate. I backpacked around the world for ninety days. I didn&#8217;t die. I didn&#8217;t get mugged. I didn&#8217;t even get pick-pocketed despite not using my money belt (Looking back, I&#8217;m almost disappointed and offended&#8230; I was basically daring all the gypsies in Europe to come after me and they didn&#8217;t). I even went down to exactly where they were protesting in Bangkok on their one year anniversary and the whole safety issue is just totally blown out of proportion. How dangerous is a guy yelling into a bull horn, because that&#8217;s all that happened. The only danger you have is if you stand too close to him and it might damage your hearing.</p>
<p>The opposite is also true. Just because people don&#8217;t see it doesn&#8217;t mean it didn&#8217;t happen. Just because you don&#8217;t see me working doesn&#8217;t mean I&#8217;m not putting in 60, 80, 100 hrs a week working to make my dream come true. Just because you didn&#8217;t see it didn&#8217;t mean I&#8217;ve not been working out on the factory floor everyday after school since I can walk.</p>
<p>So the next time you want to say someone is lucky, think about this: are they lucky, or do they deserve everything they got?</p>
<p>Alright I&#8217;m off my High Horse brand soap box now.</p>
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		<title>Past the point of no return</title>
		<link>http://mloylo.wordpress.com/2011/08/04/past-the-point-of-no-return-2/</link>
		<comments>http://mloylo.wordpress.com/2011/08/04/past-the-point-of-no-return-2/#comments</comments>
		<pubDate>Thu, 04 Aug 2011 22:54:22 +0000</pubDate>
		<dc:creator>mloylo</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://mloylo.wordpress.com/?p=1358</guid>
		<description><![CDATA[I&#8217;ve been back home for almost about a month and a half now and I&#8217;ve just been so bloody busy. There are so many loose ends that need to be taken care of before I move up to Seattle. Instead of traveling I&#8217;ve been: 1. Working: There was about 3 months worth of paperwork that [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mloylo.wordpress.com&amp;blog=8888475&amp;post=1358&amp;subd=mloylo&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>I&#8217;ve been back home for almost about a month and a half now and I&#8217;ve just been so bloody busy. There are so many loose ends that need to be taken care of before I move up to Seattle. Instead of traveling I&#8217;ve been:</p>
<p>1. <strong>Working</strong>: There was about 3 months worth of paperwork that I needed to organized. My father completely ignored my filing and naming convention so nothing is where they need to be. Plus his English is not perfect so there are tons of typo everywhere. We&#8217;re also raising our prices for our product for 2012 due to the high oil prices and unfavorable exchange rates. There&#8217;s tons of negotiating to do w/ our customers.</p>
<p>2. <strong>Research</strong>: We&#8217;ve exited out of practically every position except for gold and our Aussie Dollar. We&#8217;re sitting on the sideline with cash for probably more than we should&#8230; tons of reading and digging for buying and short opportunities. There are also couple of ventures I want to finish and hand off that we just don&#8217;t have enough information at the moment.</p>
<p>3. <strong>Meeting</strong>: Meeting up w/ friends for one last time, meeting real estate agents b/c we&#8217;ve finally sold the condo on West Campus in Austin and we got a new place in Houston severely under the market price for my sister. At the same time I have to coordinate w/ a future classmate on apartment hunting in Seattle.</p>
<p>Speaking of Seattle, I don&#8217;t think the reality has set in until recently when we finally secured a place to live. Definitely past the point of no return now and I&#8217;m getting a little cold feet. I&#8217;m flying up to Seattle on the 15th to take care of some stuff and then coming back to pack up and make the long drive up there.</p>
<p>Le sigh.</p>
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		<title>Austin Bucket List</title>
		<link>http://mloylo.wordpress.com/2011/07/13/austin-bucket-list/</link>
		<comments>http://mloylo.wordpress.com/2011/07/13/austin-bucket-list/#comments</comments>
		<pubDate>Wed, 13 Jul 2011 06:03:06 +0000</pubDate>
		<dc:creator>mloylo</dc:creator>
				<category><![CDATA[Travel]]></category>
		<category><![CDATA[Austin]]></category>

		<guid isPermaLink="false">http://mloylo.wordpress.com/?p=1344</guid>
		<description><![CDATA[Since I am moving away at the end of August, I wanted to enjoy and appreciate what the best of what Austin has to offer one last time before I won&#8217;t have the chance anymore. I am looking for some partners in crime so let me know what sounds interesting to you and we&#8217;ll set [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mloylo.wordpress.com&amp;blog=8888475&amp;post=1344&amp;subd=mloylo&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<div>
<div>
<p>Since I am moving away at the end of August, I wanted to enjoy and appreciate what the best of what Austin has to offer one last time before I won&#8217;t have the chance anymore. I am looking for some partners in crime so let me know what sounds interesting to you and we&#8217;ll set up the time.</p>
<p>If I had left out anything do let me know!</p>
<ul>
<li>Tubing (6/25)</li>
<li>Salt Lick (6/25)</li>
<li>Gruene Hall (Two Ton Tuesday and/or Roger Creager&#8217;s birthday show)</li>
<li>Broken Spoke</li>
<li>Lockhart (Black&#8217;s, Smitty&#8217;s, and Kreuz Market)</li>
<li>Snow&#8217;s BBQ (7/9)</li>
<li>Franklin&#8217;s (6/29)</li>
<li>Shiner</li>
<li>Live Oak Brewery (7/9)</li>
<li>512 Brewery</li>
<li>Independence Brewery</li>
<li>Actually complete the Trudy&#8217;s challenge&#8230; and not die</li>
<li>Greenbelt</li>
<li>Hamilton Pool</li>
<li>Barton Springs</li>
<li>Sand volleyball at Zilker</li>
<li>Kayak on Town Lake</li>
<li>SUP</li>
<li>Krause Springs</li>
<li>Chicken Shit Bingo</li>
<li>Blues on the Green (7/6)</li>
<li>First Thursday (7/7)</li>
<li>See the bats</li>
<li>Get a pair of boots</li>
<li>Round Rock Express game</li>
<li>Juan in a Million, one last time, preferably with a couple to go for the long drive to Seattle</li>
<li>Uchi</li>
<li>Uchiko</li>
<li>TacoDeli</li>
<li>Torchy&#8217;s</li>
<li>East Side King</li>
<li>Odd Duck</li>
<li>Gordough&#8217;s</li>
</ul>
</div>
</div>
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		<title>Awards for Best Hostels</title>
		<link>http://mloylo.wordpress.com/2011/06/27/awards-for-best-hostels/</link>
		<comments>http://mloylo.wordpress.com/2011/06/27/awards-for-best-hostels/#comments</comments>
		<pubDate>Mon, 27 Jun 2011 14:01:01 +0000</pubDate>
		<dc:creator>mloylo</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

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		<description><![CDATA[As a reference for future travelers and as a small way for me to thank the following hostels for their hospitality, I am listing the best hostels I stayed at this trip, broken down into the categories listed on Hostelworld.com Character: City BackPackers in Stockholm, Sweden. This hostel has a Swedish sauna, court yard to [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mloylo.wordpress.com&amp;blog=8888475&amp;post=1339&amp;subd=mloylo&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>As a reference for future travelers and as a small way for me to thank the following hostels for their hospitality, I am listing the best hostels I stayed at this trip, broken down into the categories listed on Hostelworld.com</p>
<p><strong>Character</strong>: <a href="http://www.citybackpackers.org/">City BackPackers</a> in Stockholm, Sweden. This hostel has a Swedish sauna, court yard to hang out, coffee shop combo out front, full kitchen w/ free pasta, full decked out lounge with four iMac&#8217;s and strong wireless connection everywhere in the building. All the rooms are named after each island/district in Stockholm. Plus you gotta take your shoes off when you enter, just like you would in a typical Swedish home.</p>
<p>Honorable mention &#8211; <a href="http://www.bilbaoakelarrehostel.com/cas/site/albergue.asp">Bilbao Akelarre Hoste</a>l in Bilbao, Spain. Fun and funky art decorated by local art students.</p>
<p><strong>Security</strong>: <a href="http://www.hipkarmahostel.com/">Hip Karma Hostel</a> in Barcelona, Spain. Although I didn&#8217;t like this hostel as a whole, you gotta hand it to them on the security. You get a locker right underneath your bed, with a power cord in there for you to charge all your electronics without worrying leaving them exposed compared to leaving them out in the lobby where anybody walk by could snatch them. Also you get curtains around your bed to block out the morning sun if you&#8217;d like to sleep in or surf the web in your bed.</p>
<p>Honorable mention &#8211; <a href="http://www.sleepinheaven.com/">Sleep in Heaven</a> in Copenhagen, Denmark. Electronic access card for your room and locker. Don&#8217;t even have to worry about carrying a keypad or combination lock with you anymore.</p>
<p><strong>Location</strong>: <a href="http://www.davidinn.hostel.com/">David Inn</a> in Florence, Italy. Just a short walk from the train station, right by the Duomo and Accademia.</p>
<p>Honorable mention &#8211; City BackPackers is really close to the train station as well. It didn&#8217;t win this category because it&#8217;s not as convenient to get to the sights like Gamla Stan or Djurgarden. <a href="http://www.wayhostel.com/">Way Hostel</a> in Madrid is pretty good too as it&#8217;s close to all the bars and Plaza Mayor and Pueta del Sol with a metro stop right at the corner, but the train stations are a bit out of the way. You&#8217;d have to walk a fair distance, uphill, from Atocha and Chamartin is a long metro ride.</p>
<p><strong>Staff</strong>: <a href="http://www.vietnam-hostel.com/">Hanoi Hostel</a> in Hanoi, Vietnam. The owners work right there themselves. They set up all my tours to Sapa and Halong Bay, laundry service, breakfast in the morning, happy hour in the afternoon and all the recommendations on where to go and eat in Hanoi.</p>
<p>Honorable mention &#8211; <a href="http://www.ciaobellamilan.hostel.com/">Ciao Bella</a> Hostel in Milan, Italy. Silvana and the gang were so friendly and helpful they made me totally feel at home. Also <a href="http://www.hostelworld.com/hosteldetails.php/Surfbackpackers-Bilbao/Bilbao/50081">Surfbackpackers</a> in Bilbao, Spain. Fede and Rafa are just getting started when I stayed there. They also stay there so they attend to your every need. They even took us all out to get some pintxos at night.</p>
<p>Worst &#8211; I don&#8217;t like to be negative, but Hostel Cinque Terre deserves to be noted. This was a Lonely Planet recommendation and quite honestly Lonely Planet has let me down many times before as well. They don&#8217;t participate in any of the hostel listing sites looks like. You are required to send in reservations at least a week in advance. Lights out at midnight. You get a coin for the shower a day that runs for just 5 minutes. You&#8217;re not allowed to check in between 1-4pm. In fact, you are not even allowed to be in the hostel between that time as well. It feels more like a prison than a hostel. When I got there at 3pm the owner literally shooed me away like a stray cat. The kitchen was understaffed and you have to wait forever for them to take your order when they feel like it. They&#8217;re also not shy to tell you that they&#8217;re busy and you impatient American just need to wait&#8230; well, there&#8217;s patience and there&#8217;s waiting 20 minutes to just <em>order</em> some store-bought frozen gnocchi, and another 20 for it to get to my table.</p>
<p><strong>Fun</strong>: Way Hostel in Madrid, Spain. Way is a huge hostel but all the different walking tours, tapas tours, and pub crawls really help facilitate meeting fellow travelers.</p>
<p>Honorable mention &#8211; <a href="http://www.thesiemreaphostel.com/">The Siem Reap Hostel</a> in Siem Reap, Cambodia. How many hostels do you know has its own pool? Pool table, bar, TV lounges.</p>
<p><strong>Cleanliness</strong>: <a href="http://www.hostel5terre.com/">Hostel Cinque Terre</a>, in Manarola, Italy. Yeah, I know I just bagged them but again, you gotta give credit where credit&#8217;s due. It is really clean. With the place operated like a prison and most people not even around most of the time to make a mess, of course it&#8217;s clean&#8230;</p>
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		<title>Iceland Iceland, Baby!</title>
		<link>http://mloylo.wordpress.com/2011/06/21/iceland-iceland-baby/</link>
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		<pubDate>Tue, 21 Jun 2011 09:50:12 +0000</pubDate>
		<dc:creator>mloylo</dc:creator>
				<category><![CDATA[Travel]]></category>

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		<description><![CDATA[The fact I am in the place of the FIRST episode of No Reservations as my LAST stop is extremely fitting. After all this time I spent around the world, at times duplicating Bourdain&#8217;s experience as a foolish wish that maybe in the process I can become a carbon copy of him, I now had [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mloylo.wordpress.com&amp;blog=8888475&amp;post=1335&amp;subd=mloylo&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>The fact I am in the place of the FIRST episode of No Reservations as my LAST stop is extremely fitting. After all this time I spent around the world, at times duplicating Bourdain&#8217;s experience as a foolish wish that maybe in the process I can become a carbon copy of him, I now had come full circle to where it all started. I know, I know&#8230; the first episode was technically Paris but he&#8217;s been to France for so many episodes&#8230; (Normandy, Provence, etc) I consider that more as a prologue, or the pilot episode. Plus it totally ruins the sentiment of this post. </p>
<p>The fact is I have been wanting to come to Iceland for a while now. Ever since an Icelandic friend of mine told me about the place and Bourdain&#8217;s show I wanted to see the puffins and squeeze them so hard until their heads pop off. I wanted to wash down hakarl with Brennivin and see exactly how bad it is. Spoiler: it&#8217;s as bad as every account you&#8217;ve heard. It didn&#8217;t happen last summer b/c of the volcano plus the busy work and GMAT prep schedule. It almost didn&#8217;t happen this yr again b/c of the volcano. </p>
<p>As the plane approach Keflavik I had just woken up from my nap. Something about the smell of recycled air just puts me right out. I could&#8217;ve sworn we were landing on an asteroid or the set of Armageddon. Mostly also b/c I had mixed up Keflavik w/ the domestic terminal which is right by the city. All the typical infrasctures I thought I was going to see during the descent was replace by volcanic rocks.</p>
<p>I arrived on Iceland&#8217;s Independence Day. Originally I was suppose to get in around 4pm but my flight was delayed. By the time I got into the city and settled in it was close to 8 or 9pm and many of the activities were winding down. Of course w/ the constant sun and daylight in the summer you&#8217;d think it&#8217;s still 2pm. The first thing I did was to put on my Marmot insulation vest. I had carried this thing around the world and god dammit I was ready to wear it even in the shower to make sure I fully utilize it.</p>
<p>Luckily, I had picked out a bed in the corner of the hostel, farthest away from the door and any lockers so I could be as far away from any disturbance as possible. Or so I thought. Around 3 or 4am the sun started blasting in through a crack in the curtains. I freaked out, thinking that I had overslept for my horseback riding tour. There I was fumbling through my pants w/out my glasses trying to find my iPod, trying to remember if the time on it was Austin or Copenhagen time and either plus 5 or minus 2 from that because my watch&#8217;s battery had died literally right before I boarded the plane from Kastrup.</p>
<p>Blue Lagoon, Golden Circle, Black Death (Brennivin)&#8230; Yeah yeah yeah, that&#8217;s all cool and you must try them when you come to Iceland. What I really wanted to talk about as I alluded to earlier is <b>hakarl</b>. It is putrified shark. I stop by the Sea Baron after my whale and puffin watching tour. Normally what appears to be a pretty touristy establishment, but on this particular day I think the owner was entertaining a big group of his friends. I strike up a conversation w/ the people next to me at the table. Turns out they were Icelandic and showing their Danish friend around. Different topics regarding Iceland and Denmark come up of course, among them, hakarl. </p>
<p>My new Icelandic friend ask the owner where I can get some small tasting portions, Costco toothpick style. Funny enough the owner was getting ready to serve some up to his friends. He gets a brand new one just out of the freezer, along w/ a knife that looks more like a hatchet and a hammer. After the hacking sound stops outside I pop out to take a peek and he offer me and the Dane a piece. It really isn&#8217;t that bad at first since it was colder than how it&#8217;s normally served. After the suggestion to chew harder, the ammonia taste really come out in full force. It is like having a public toilet in your mouth. The same lingering smell from where some a drunk teenager had urinated the night before that you&#8217;d encounter ever so frequently in France except it now permeates from inside your mouth up to your nose and down your throat. I&#8217;ve never tried urinal cakes before either, but I&#8217;d imagine the taste is comparable.</p>
<p>I could see how drinking Brennivin could help though. Literally translated as &#8220;burning wine&#8221; and so called &#8220;Black Death&#8221;, this stuff might be the only thing that&#8217;s strong enough to wash, no&#8230; burn away the taste of ammonia. It&#8217;s not as bad as my Icelandic friend built it up to be, although it does have a bit of chemical-y, herbal spice note that&#8217;s probably from the caraway.</p>
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		<title>Eternal Sunshine in the Land of the Vikings</title>
		<link>http://mloylo.wordpress.com/2011/06/13/eternal-sunshine-in-the-land-of-the-vikings/</link>
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		<pubDate>Mon, 13 Jun 2011 15:25:42 +0000</pubDate>
		<dc:creator>mloylo</dc:creator>
				<category><![CDATA[Travel]]></category>

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		<description><![CDATA[I can&#8217;t believe we can officially start the count down for my return home. Of course, now that the end is near, it&#8217;s on my mind quite more often than before. At more or less 80 days right now, I am getting a little tired. Of course, it could just be the sun playing tricks [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=mloylo.wordpress.com&amp;blog=8888475&amp;post=1321&amp;subd=mloylo&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>I can&#8217;t believe we can officially start the count down for my return home. Of course, now that the end is near, it&#8217;s on my mind quite more often than before. At more or less 80 days right now, I am getting a little tired.</p>
<p>Of course, it could just be the sun playing tricks on me.</p>
<p>Looking at my bank account is also not very motivating.</p>
<p>I knew in the Nordic region there&#8217;s almost constant daylight in the summer before coming here, but it&#8217;s just not the same when you experience it for yourself. It&#8217;s quite freaky&#8230; In Stockholm, it STARTS getting dark more or less around 10pm and you&#8217;ll still have daylight until about 11pm. Around 3am or so the sun will start to come up. Your physiological response is to be awake but your brain is just flat out not responding at times.</p>
<p>It also makes taking photos more interesting. The golden hour for me technically would be like 4 or 5am and around 9pm. Let&#8217;s face it, there&#8217;s just no way I am getting up at 4am to take some photos.</p>
<p>Originally I had plans to go to Oslo and Bergen but I am so tired of figuring out the logistics for the train, ferries, and hostels I just decided to go to Lund, Sweden to stay w/ some friends I made earlier in the trip and hang out in Copenhagen before my flight to Iceland.</p>
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