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rePost:: How to Get Rich Part 1a « blog maverick

I’m sure mcuban won’t mind if I copy the whole post but there’s a etiquette in the blogosphere so. go to the site to read the rest of his advice on how to get rich!!!

First, here is WHAT NOT TO DO:
There are no shortcuts. NONE. With all of this craziness in the stock and financial markets, there will be scams popping up left and right. The less money you have, the more likely someone will come at you with some scheme . The schemes will guarantee returns, use multi level marketing, or be something crazy that is now “backed by the US Government”. Please ignore them. Always remember this. If a deal is a great deal, they aren’t going to share it with you.
I dont broadcast my great deals. I keep them all to myself. The 2nd thing to remember is that if the person selling the deal was so smart, they would be rich beyond rich rather than trolling the streets looking to turn you into a sucker. There are no shortcuts.
So what should you do to get rich ?
Save your money. Save as much money as you possibly can. Every penny you can. Instead of coffee, drink water. Instead of going to McDonalds, eat Mac and Cheese. Cut up your credit cards. If you use a credit card, you dont want to be rich. The first step to getting rich, requires discipline. If you really want to be rich, you need to find the discipline, can you ?
If you can, you will quickly find that the greatest rate of return you will earn is on your own personal spending. Being a smart shopper is the first step to getting rich. Yeah you have to give things up and that doesn’t work for everyone, particularly if you have a family. That is reality. But whatever you can save, save it. As much as you possibly can. Then put it in 6 month CDs in the bank.
The first step to getting rich is having cash available. You arent saving for retirement. You are saving for the moment you need cash. Buy and hold is a suckers game for you. This market is a perfect example. Right at the very moment when cash creates unbelievable opportunity, those who followed the buy and hold strategy have no cash. they cant or wont sell into markets this low, that kills the entire point of buy and hold. Those who have put their money in CDs sleep well at night and definitely have more money today than they did yesterday. And because they are smart, disciplined shoppers, their personal rate of inflation is within their means. Cash is king for those wanting to get rich
via How to Get Rich Part 1a « blog maverick.

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The 10 Most Addictive Sounds in the World | Fast Company

Click through to see the list of most addictive branded and non branded sounds!.

You’re probably among the millions who have experienced it: driving in a car, listening to the radio, and suddenly this song comes on. It is not just any song–this was your favorite song when you were a teenager. As the first few notes strike up, you’re transported back in time. Everything is so vivid, and your mind wanders to parties, first kisses and sweaty palms. It’s as if time stands still and you suddenly realize that for the entire duration of the song, you haven’t seen a single thing on the road.
There’s no doubt about it, sound is immensely powerful. And yet 83% of all the advertising communication we’re exposed to daily (bearing in mind that we will see two million TV commercials in a single lifetime) focuses, almost exclusively, on the sense of sight. That leaves just 17% for the remaining four senses. Think about how much we rely on sound. It confirms a connection when dialing or texting on cell phones and alerts us to emergencies. When the sound was removed from slot machines in Las Vegas, revenue fell by 24%. Experiments undertaken in restaurants show that when slow music (slower than the rhythm of a heartbeat) is played, we eat slower–and we eat more!
via The 10 Most Addictive Sounds in the World | Fast Company.

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rePost::Paying for school on $2 a day

Why on earth would a poor family just getting by on the meager wages they earned fishing or pulling rickshaws choose to pay between $1.50 and $7 a month to send their children to private schools if they didn’t have to? In some isolated villages, the closest public school was still too far away, or impossible to get to during the rainy or cold seasons. For other families, the hidden costs of “free” education outweighed the very low cost of schools in their communities (in Kenya, for example, one parent described high up-front costs for a building maintenance fund and two complete school uniforms required by the public schools in her area).
Most reasons that the parents gave for their choice had to do with what the World Bank calls the “short route” to accountability (as opposed to the “long route” which works through the political process). Because school owners’ profits and reputations in the community depend directly on whether parents are happy with their children’s schooling, they paid attention to parents’ complaints. Because teachers in private schools can be fired, they were less likely to be late, idle or absent.
via Paying for school on $2 a day.

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Elink Video :: "You are entitled to your opinion, but not your own facts"


In response to Republican Senator Lamar Alexander’s contention that premiums will go up under reform, the President cites the Congressional Budget Offices report that his proposal will lower costs for individuals by between 14 and 20%. President Obama cites some of the Republican ideas he’s included in his proposal and makes it clear that he welcomes additional Republican ideas to contain costs.
angol here :: People are entitled to their own opinions, but not to their own facts. Saying you don’t believe something will not change the fact that it is true! Hope is back!

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Elink Video ::"It's a good talking point, but it doesn't actually answer the underlying question"


In a discussion of insurance market reforms, President Obama asks Republican Senator John Kyl to move away from talking points and focus on finding common areas of agreement. The President responds to Kyl: “Any time the question is phrased as ‘Does Washington know better?’ I think we’re kind of tipping the scales a little bit there, since we all know that everybody is angry at Washington right now it’s a good talking point, but it doesn’t actually answer the underlying question, which is do we want to make sure that people have a baseline of protection?'”
angol here: I believe that what’s mostly said in Presidential forums can be classified as ”

“It’s a good talking point, but it doesn’t actually answer the underlying question”

“

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Musings On Philippine Healthcare 2010 20 26

I can guess that we probably have a high coverage rate in the Philippines. This is because unlike the US in the Philippines if you have work you have PhilHealth,SSS and GSIS. This leaves two groups of people out. The rich people who don’t “work” (own business , etc), and the very poor who can’t but it. Of the rich, they obviously have cash to burn but I suspect if in the USA one of the major causes of bankruptcy is medical emergency/conditions then the rich of the Philippines may not have it any much better. The poorest of the poor have healthcare if they live in Makati and Muntinlupa and during elections government officials such as the soon to be former president distribute PhilHealth Cards.
What I’m trying to say is that during the happy moments that my mind wanders towards the Philippine Government I see PhilHealth, SSS and GSIS, without the same kind of fight that the US encountered in trying to enact them. What I see is a Davao where I saw less people smoking because of too many restrictions (that I agree with). What I see is a Makati where Jejomar Binay is showing the Philippines what can be done by the local government for it’s constituents. What I see is a President (GMA) who has shown just how powerful the presidency can be with the right incentives.  We have a people whose trying to learn about the candidates.  We have the BIR harrassing Shell which shows we aren’t as controlled by corporations as the US (Although I don’t agree with what they are doing, this is almost extortion).
There is hope. The Philippines is not that far away from where it could be!!!

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Elink Video :: "American families will drown if we try an incremental approach"


Senator Tom Harkin reminded those at the meeting that while it’s easy to get caught up in the debate over numbers and policy details, it’s ultimately about making progress to help ordinary folks across the country struggling under today’s broken system. Senator Harkin said, “I keep thinking we have got to bring it back home to what this is all about. We all have our stories. I got a letter yesterday from a farmer in Iowa that really encapsulates it. [He said] ‘I’m a 57-year-old Iowa farmer. I’m writing to voice my concern regarding my family’s rapidly escalating health care costs. On Saturday, February 20th, I received a noticeinforming me that our health insurance premium will be increasing $193.90 per month to a monthly total of $1,516.20. This is a 14.6% increase.'”

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rePost :: Road pricing in the Netherlands & using math to reduce traffic | A Smarter Planet Blog :: Quick notes

I constanly site this during conversations with friends about traffic.  Looks just about right.

1. Road pricing trial results in the Netherlands.
Consistent with the themes in this morning’s transportation forum, road pricing is a growing tool being used by cities and states around the world to change behaviors drivers and shift the balance of transportation from car-dependent to a more multi-modal form system. Six month ago, IBM and NXP Semiconductors began a pilot in Eindhoven to implement variable road pricing based on traffic demand, time of day and type of car (i.e., size + environmental impact of vehicle). Following are some insights from the pilot:

  • * Seventy percent of drivers improved their driving behavior by avoiding rush-hour traffic and using highways instead of local roads.
  • * On average, these drivers in the trial saw an improvement of more than 16 percent in average cost per kilometer.
  • * A clear system of incentives is critical to changing driving behavior.
  • * Instant feedback provided via an On-Board Unit display on the price of the road chosen and total charges for the trip is essential to maximizing the change in behavior.

via Quick notes: Road pricing in the Netherlands & using math to reduce traffic | A Smarter Planet Blog.

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rePost :: National Juries :: Overcoming Bias

Read the whole thing by clicking through the overcoming bias blog!!!
Would something like this work for the Philippines? No as long as the Education System is in shambles we cannot do anything as radical as this.

National Juries

By Robin Hanson · February 25, 2010 12:00 pm · Discuss · « Prev ·

The reason so many bad policies are good politics is that so many people vote. … Ignorant voters … are biased towards particular errors. …

The best way to improve modern politics? … The number of voters should be drastically reduced so that each voter realizes that his vote will matter. Something like 12 voters per district … selected at random from the electorate. With 535 districts in Congress … there would be 6,420 voters nationally. A random selection would deliver a proportional representation of sexes, ages, races and income groups. This would improve on the current system, in which the voting population is skewed … the old vote more than the young, the rich vote more than the poor, and so on.

To safeguard against the possibility of abuse, these 6,420 voters would not know that they had been selected at random until the moment when the polling officers arrived at their house. They would then be spirited away to a place where they will spend a week locked away with the candidates, attending a series of speeches, debates and question-and-answer sessions before voting on the final day.  All of these events should be filmed and broadcast, so that everyone could make sure that nothing dodgy was going on.

More here.  This logic is simple and strong enough for most folks to both understand and accept.  Yet most would still prefer our current system – why?
via Overcoming Bias : National Juries.

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