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Most investors regard Warren Buffett as someone who has parlayed brilliant analysis, hard work and extensive connections into one of the best track records in financial history. Mr. Housel, however, notices that Mr. Buffett accrued at least 95% of his wealth after age 65.

Had Mr. Buffett earned his world-beating returns for only 30 years rather than much longer, he would be worth 99.9% less, notes Mr. Housel. “The real key to his success is that he’s been a phenomenal investor for three quarters of a century,” he writes of Mr. Buffett. “His skill is investing, but his secret is time.”

So Mr. Buffett—traditionally viewed as the greatest living example of investing skill—is also proof of the power of luck and longevity.

In a similar vein, “The Psychology of Money” argues the biggest determinant of long-term returns often happens to be when you were born. Adjusted for inflation, people born in 1950 earned essentially nothing in the stock market between the ages of 13 and 30, Mr. Housel shows. Those born in 1970 earned roughly nine times as much on stocks in their formative years. Those born in 2000? They may have to save a lot more than their parents did.

Bubbles form when catchy stories and the human need for imitation and conformity turn investing into a social imperative.

Mr. Housel urges investors to think about what money and wealth are for. He draws a critical distinction between being rich (having a high current income) and being wealthy (having the freedom to choose not to spend money).

Many rich people aren’t wealthy, Mr. Housel argues, because they feel the need to spend a lot of money to show others how rich they are

He defines the optimal savings level as “the gap between your ego and your income.” Wealth consists in caring less about what others think about you and more about using your money to control how you spend your time.

He writes: “The ability to do what you want, when you want, with who[m] you want, for as long as you want to, pays the highest dividend that exists in finance.”

these filters will isolate people in information bubbles only partly of their own choosing, and the inaccurate beliefs they form as a result may be difficult to correct."

the proliferation of search engines, news aggregators and feed-ranking algorithms is more likely to perpetuate ignorance than knowledge.

It would seem that excessive social media use may intensify not only feelings of loneliness, but also ideological isolation.

"What the human being is best at doing is interpreting all new information so that their prior conclusions remain intact."

Recent studies show that although most people consume information that matches their opinions, being exposed to conflicting views tends to reduce prejudice and enhance creative thinking.

the desire to prove ourselves right and maintain our current beliefs trumps any attempt to be creative or more open-minded.

"our objects of inquiry are not 'truth' or 'meaning' but rather configurations of consciousness. These are figures or patterns of knowledge, cognitive and practical attitudes, which emerge within a definite historical and cultural context."

the internet is best understood as a cultural lens through which we construct – or distort – reality.

we can only deal with this overwhelming range of choices by ignoring most of them.

trolling is so effective for enticing readers' comments, but so ineffective for changing their viewpoints.

Will accumulating facts help you understand the world?

we have developed a dependency on technology, which has eclipsed our reliance on logic, critical thinking and common sense: if you can find the answer online, why bother thinking?

it is conceivable that individuals' capacity to evaluate and produce original knowledge will matter more than the actual acquisition of knowledge.

Good judgment and decision-making will be more in demand than sheer expertise or domain-specific knowledge.

We’ve seen Russian actors intentionally use content posted by innocent Americans. We see other people post and share content from Russian campaigns. It doesn’t mean they’re actually connected. In fact, most times they’re not.

Influence operations are essentially weaponized uncertainty.

One of the most effective countermeasures in all of this is an informed public.

And there are so many opportunities to leverage that complexity to run a perception hack. A perception hack is an attempt to create a perception that there is a large scale influence operation when in fact there is no evidence to support it.

It’s our job to keep this debate as authentic as possible by putting more information and context out there. We can force pages that are pushing information to disclose who is behind them

We are living through a historic election with so many complex pieces to monitor. The piece that I and my team can help with is that we can make sure we secure this debate.

My counterpart at Twitter says I call him more than his mother does. We’re spending lots of time and exchanging information to try and stay ahead of this.

Between 2016 and next week we’ll have worked to protect more than 200 elections across the world. It’s critical to focus on next week, but we also have to remember Myanmar has an election five days later.

One study that looked into the belief in alien abductions used a false memory test to show a correlation between susceptibility to lures and belief in abductions.

If you go really far along the continuum, you reach delusion beliefs those are problematic.

"I think people who are going to be sceptical will always be sceptical and vice versa. Once you have a belief system, you fit the facts into that belief system, so I doubt if anyone is looking at it rationally.

"It's the uncritical nature of the judgments people make or the conclusions people reach. Because if you want to believe something and go down that pathway and not be critical. And it is important to maintain a healthy scepticism.

. If you go in wanting to believe something, it's going to be pretty hard for you to take that hypothesis-testing approach."

The left cerebral hemisphere is to the “right-brained” poet or novelist as the hamstrings and quadriceps are to a competitive sprinter

Because the ability to understand and produce language is focused in the left side of the brain in almost everyone, caricaturing these creative types as using their right brain more than their left brain is silly.

visual-spatial abilities—localized to the right cerebral hemisphere—are skills that are absolutely critical for “left-brained” talents like science or engineering.

But much of our obsession with the brain’s left and right cerebral hemispheres may have started with studies of split brain patients in the ‘50s. During this time, people who suffered multiple seizures a day underwent intense surgery to treat their epilepsy.

To calm the electrical storms that ravaged these patients’ brains, the nerve fibers connecting the left and right hemispheres of the brain were cut. These fibers are collectively known as the corpus callosum

Once the corpus callosum is severed on the operating table, the new split brain patient appears astonishingly normal at first glance

But careful experiments reveal that this person is really two persons, two streams of consciousness in one body

only the left hemisphere can speak

The right hemisphere cannot speak, but it can point to words like “yes” or “no” to answer a question

Each hemisphere, it seems, maintains independent beliefs and personalities, challenging the notion that we are each an indivisible “self.”

We are all “brain-ambidextrous.”

Such an environment provides relevant content, clear learning goals and feedback, opportunities to build social skills, and strategies to help students succeed

We all know the factors that can threaten a positive classroom environment: problems that kids bring from home, lack of motivation among students whose love of learning has been drilled right out of them, pressures from testing, and more

We can't control all these factors, but what if we could implement some simple strategies to buffer against their negative effects?

We can foster effective learning and transform the experience of our students every day by harnessing the power of emotions.

don't worry: I'm not talking about holding a daily class meeting to talk about feelings.

Stress, for example, has a significant negative effect on cognitive functioning

Unfortunately, when it comes to learning processes, the power of negative events greatly outweighs the power of positive event

As a result, we need to prepare ourselves with an arsenal of strategies that inoculate our students against the power of negativity.

By providing enough positive experiences to counteract the negative, we can help students avoid getting stuck in a "negative spiral"

Being caught up in negative emotions in this way impairs learning by narrowing students' focus and inhibiting their ability to see multiple viewpoints and solve problems.

This publication is not a cheat sheet, a "happyology" manual, or a Band-Aid that will fix that distressed kid and send him to a magical haven of learning.

Far from promising easy solutions and instant results, these strategies will increase students' capacity to tolerate the discomfort that comes with working hard and to accept that there are no easy answers—that only critical thinking and perseverance lead the way to mastery.

pause every 10 minutes and simply observe how many students are actively engaged and how many are off task.

If it is too challenging to chart the behavior of each student, you can choose a sample of the class to observe.

Remember to keep a full observation stance, and try not to leap to judgment. Keep in mind various "factors of mass distraction" that may contribute to problems , such as people entering or leaving the room, noise level, students' seating locations, and time of day. You might also want to note the affect or mood of students as they come into class that day.

As for the less productive moments you identify, the following strategies will help you create an environment that is more conducive to engagement and learning.

In this way, blockchain resembles another buzzword, “the cloud.” While detractors argued that the cloud was just “someone else’s computer,”

Critics of the industry included Brent Bozell from the Media Research Center. He has frequently called for a reduction of violence in games.

“Video games are enjoyed around the world and numerous authorities and reputable scientific studies have found no connection between games and real-life violence," the ESA said in a statement.

In 2013, following the death of 20 pre-school children and six staff members at Sandy Hook Elementary School in Connecticut, the vice-president at the time, Joe Biden, met games representatives from firms such as Electronic Arts and Epic.Mr Biden said games companies were not being "singled out" and there was no "silver bullet" when it came to solving the issue. He said there was no good data either way to support or disprove claims that games violence provoked real actions.

Of the 32 teams in the NFL, just four have a nonwhite head coach. Of the five head coaching vacancies in the offseason, just one was filled by a nonwhite person when Ron Rivera, who is Hispanic, was hired by Washington

The NFL has been criticized for its response to former 49ers quarterback Colin Kaepernick kneeling during the national anthem over the 2016 season to protest police brutality and racial injustice. When Kaepernick became a free agent in 2017, no team offered him a contract and he accused team owners of colluding to keep him from being signed.

Now, clubs will be required to interview at least two minority candidates for head coach vacancies; at least one minority candidate for any of the three coordinator vacancies; and at least one external minority candidate for the senior football operations or general manager position.

Minority and female applicants must also be included in the interview processes for senior level front office positions such as club president and senior executives in communications, finance, human resources, legal, football operations, sales, marketing, sponsorship, information technology, and security positions.

Two days later, in the town of Codogno, some 60 kilometers (40 miles) from Bergamo, a 38-year-old man known as "patient one" was diagnosed with the virus. But by then, according to research reported by nearly 20 Italian specialists, the virus had long been on the move.

But in other respects, life in Spain went on pretty much as normal. Bars and cafes were open; unseasonably warm weather brought Spaniards out into common spaces. Rallies for International Women's Day on March 8 brought tens of thousands onto the streets across Spain, including a crowd estimated at 120,000 in Madrid. Two female cabinet ministers who attended the event later tested positive for coronavirus, although it's not known how they contracted the virus. Opposition parties have criticized the government for allowing those events to go ahead.

“There’s going to be a lot of bad news in the next three to four months,” said David Donabedian, chief investment officer of CIBC Private Wealth Management. “It will be pretty ugly. It is sure going to feel like a recession for awhile.”

If the U.S. achieves the same success as say, South Korea, the hope is that spread of the coronavirus will taper off by early summer, when illnesses such as the flu and cold also tend to weaken because of the heat and humidity.

“Some countries have proven that if you take precautionary measures such as social distancing you can get in front of this virus and contain it or at least slow it down,” said Sal Guatieri, senior economist at BMO Capital Markets.

The Fed has already cut a key interest rate on March 3 and could reduce it to basically zero by next week. The lowest rates in modern times is already encouraging a fusillade of mortgage refinancings that will put more money in family’s pockets.

Congress, for its part, is assembling what’s likely to be the first in a series of steps to cushion the blow to individuals and businesses most likely to suffer. A pending bill includes free testing, paid sick leave, emergency jobless benefits and small-business bridge loans.Economists says an overwhelming federal response is critical.

Still, even relative optimists such as Guatieri say there’s still too much uncertainty to feel confident. He and Wells Fargo’s Bullard say their firms have been changing their forecasts almost daily in the past week as the situation deteriorated. What’s made matters worse is simply not knowing the scope of the problem

“We’re not getting the insight into where we are or where we are going,” Bullard said. “So we’re all just speculating.”

The key achievement of middle age, according to Jaques, is to move beyond youthful idealism to what he called "contemplative pessimism" and "constructive resignation." He argued midlife was when we reach maturity by overcoming our denial of death and human destructiveness.Carl Jung presented a different view. He argued midlife was a time when previously suppressed aspects of the psyche might become integrated. Men could recover their unconscious feminine side, or anima, previously submerged during their youth, and women come alive to their hidden opposite, the animus.

Arguably there is no distinct midlife crisis, just crises that occur during midlife but might equally have occurred before or after.

But there may be something to it that's even more basic and biological. Chimpanzees and orangutans aren't known to suffer from existential dread, empty nest syndrome or job stress. And still, they show the same midlife dip in well-being as their human cousins.One study found chimps in their late 20s and orangutans in the mid-30s showed the lowest mood, the least pleasure in social activities, and the poorest capacity to achieve their goals. The researchers speculated this pattern might reflect age-related changes in brain structures associated with well-being that are similar between primate species.

Consider personality change, for example. One longitudinal study that followed thousands of Americans from age 41 to 50 found they became less neurotic and self-conscious with age. These personality changes were unrelated to the adults' experience of life adversity: resilience, not crisis, was the norm.

Another study that followed a sample of women from age 43 to 52 showed they tended to become less dependent and self-critical, and more confident, responsible and decisive, as they aged. These changes were unrelated to the women's menopausal status or empty nest experiences.

Even the self-reported midlife crises may have a silver lining. One study showed the more crises people reported, the more empathetic they were towards others. It is perhaps unsurprising older adults choose middle adulthood as the phase of life they most prefe

Those speech abilities could include distinct vowels and consonants, syllables, or even syntax—all of which, according to LDT, should be impossible for any animal without a human vocal tract.

As John Locke, a linguistics professor at Lehman College, put it, “Motor control rots when you die.” Soft tissues like tongues and nerves and brains generally don’t fossilize; DNA sequencing is impossible past a few hundred thousand years; no one has yet found a diary or rap track recorded by a teenage Australopithecus.

One of the quantitative models the new study relies on, he says, doesn’t properly represent the shape of the larynx, tongue, and other parts we use to talk: “It would convert a mailing tube into a human vocal tract.” And according to Lieberman, laryngeal descent theory “never claimed language was not possible” prior to the critical changes in our ancestors’ throat anatomy. “They’re trying to set up a straw man,” he said.

Rather than 27 million years, Hickok proposes that the earliest bound on any sort of speech ability would be nearer to human ancestors’ split with the Pan genus, which includes chimpanzees and bonobos, our closest living relatives. That split happened about 5 million to 7 million years ago—certainly longer than 200,000 years, but a far cry from 27 million. Lieberman argues that the precursors of speech might have emerged about a little more than 3 million years ago, when artifacts like jewelry appear in the archaeological record. The idea is that both language and jewelry are intimately related to the evolution of symbolic thinking.

A person could be doing risky activities just because deep inside he is truly afraid of life.

One of the fastest ways to gain attention is to do something really dangerous.

Meanwhile, 2019-nCoV, which causes symptoms similar to the flu, has killed about 2% of the 31,500 people it has infected so far, but has spread to more than 20 countries—including, crucially (at least in terms of understanding media coverage), the U.S. Any time an issue affects the U.S., the Western press kicks into high gear, Miller says.

After the 2014-2016 Ebola outbreak, the U.S. press was criticized for overstating the possible threat to Americans.

Instead she stayed and would then escalate what Christian Cooper said had been a polite request into a conflict. That's an odd reaction for someone scared for her life.

Yet she walked toward him quickly, filling the video screen as she reaches toward his phone camera, with dog leash and her own phone in hand. He asked her to back away: "please don't come close to me," he said twice in a calm, firm voice.

"I'm going to tell them there's an African American man threatening my life." Christian Cooper responded, telling her to "please tell them whatever you like." And so she does: "There's a man, African American, he has a bicycle helmet," she said into her phone, her tone breathless and urgent. "He is recording me and threatening me and my dog."

"I'm being threatened by a man in the Ramble!" she cried into the phone. "Please send the cops immediately!"

Amy Cooper's decision to summon the police against a man who did nothing more than ask her to follow the rules reads as nothing short of a potential threat to his life.

She, a white woman (and she didn't have to even say that explicitly; she knew it would be grasped by whoever had answered the phone) would be seen as vulnerable and in need of protection, and her story would be believed on its face; he, a black man, would be seen as menacing and potentially dangerous, and his version of events would be doubted or disregarded.

Ahmaud Arbery, a black man in Georgia, was just out for a run last February when, authorities say, Gregory and Travis McMichael, two white men (one of them a former police officer, as it happened), grabbed their guns, chased him down, and shot him to death. They faced no criminal penalties and were simply let off the hook until a video emerged of their attack, and public outcry forced law enforcement to act. (The two have not been asked by a judge for a plea, and attorneys for the men have told reporters they committed no crimes, according to CNN reporting.) Without the video, the wheels of justice would likely never have even begun to turn.

We see again and again that African Americans who are victims of serious crimes need unimpeachable video evidence to be believed. Overwhelmingly, though, crimes are not caught on video. And even when they are, we have seen repeatedly that law enforcement often doesn't act until they are compelled by a huge public outcry. Without reliably fair law enforcement, there are simply few avenues for justice.

To be sure, it's easy to find legitimate criticism of Twitter "justice." But this only raises the more important question of why our formal mechanisms for justice are so often so inept at providing justice across racial lines -- why the very people and institutions we should be able to trust are instead often threats to the lives and safety of African Americans. When calling the cops is understood as a threat to a black person -- and sometimes even a threat to that person's life-- that's not just an indictment of the cop-caller, that's an indictment of the police, of prosecutors, of juries and of too many in a white American public willing to accept this reality.

Amy Cooper has issued an apology (she told CNN she wanted to "publicly apologize to everyone"), but in explaining her egregious actions, said "I'm not a racist. I did not mean to harm that man in any way." How do you not mean to harm someone when you call the police and falsely claim he is threatening you? "I think I was just scared," Amy Cooper said. "When you're alone in the Ramble, you don't know what's happening. It's not excusable, it's not defensible."

Her woe-is-me complaints are a bit hard to swallow given her own actions, which could have damaged or destroyed the life of an innocent man.

let's keep our eyes on the prize: a justice system that works, rather than one which so often accepts the word of white people at the expense of black lives and freedom.

one of the most common ways to keep track of all of this is by monitoring or searching tags.

it gets automatically added to a searchable feed, which people can find using that tag. It's a common way for people to monitor a situation or interest. And since people have been including the #BlackLivesMAtter tag, in the words of activist Feminista Jones, the protests have been erased from Instagram.

"When you check the #BlackLivesMatter hashtag, it's no longer videos, helpful information, resources, documentation of the injustice, it's rows of black screens,

Blackout Tuesday gained traction from the work of music executives Jamila Thomas and Brianna Agyemang, who led an effort in the music community to pause normal business operations on June 2nd "in observance of the long-standing racism and inequality that exists from the boardroom to the boulevard."

However, there's concern that while what amounts to a virtual moment of silence may be a powerful reminder to some, it comes at a time when the voices of black activists and advocates are needed the most.

However, some people have taken the call to action to mean a pause on posting about personal things or issues unrelated to Black Lives Matter or the ongoing protests rather than complete silence. Some widely shared posts about the day encourage people to refrain from self-promotion and use their presence on various platforms to uplift members of the black community instead.