Tag Archives: IQ

New Evidence That Breastfeeding May Boost Babies IQ – See The Video

By Melanie Haiken, Contributor

A new study made major headlines yesterday once again demonstrating an association between breastfeeding in the first months of life, and higher IQ. To highlight the importance of the information and make it more accessible, HealthDay TV, a service featured on MedLine Plus, the website of the National Institutes of Health (NIH) and the National Library of Medicine, put together a compelling video explaining the study results. …read more

Source: FULL ARTICLE at Forbes Latest

'Breastfeed for longer' to boost child's future IQ

Researchers have discovered that the longer a mother breastfeeds, the more intelligent their child will become later in life. A study, published in the journal JAMA Pediatrics has provided evidence that breastfeeding in infancy leads to better cognitive development later in life, but it depends upon how long the infant is breastfed… …read more

Source: FULL ARTICLE at Medical News Today

Prison Psych Boss Promoted Despite Federal Findings About Mentally Ill Prisoners Brutalized Under His Watch

By Matt Stroud, Contributor

At the end of May, the U.S. Department of Justice released a scathing report (PDF) confirming allegations of severe abuse against mentally ill prisoners in a solitary confinement ward at a central Pennsylvania state prison. After nearly two-years of investigations, DOJ came to the same conclusions I did in a report for The Nation last May: that the conditions at the State Correctional Institution at Cresson (SCI Cresson) about 90 miles east of Pittsburgh were inhumane on a level that was “mentally torturous” to the prisoners, routinely leading “to psychosis and a serious worsening” of prisoners’ mental health. The focus of DOJ’s (and my) investigation was a prison ward known as the Secure Special Needs Unit or SSNU. The SSNU houses mentally ill prisoners who have been deemed by administrators to be unruly or dangerous. Staffed by correctional officers as well as psychology staff, the SSNU is designed to oversee mentally ill prisoners and usher them carefully through a therapeutic, five-step mental health program toward re-entering the prison’s general population. Instead, the SSNU devolved into “chaotic conditions”; instead of providing therapy, the SSNU warehoused the mentally ill in solitary confinement for indefinite periods of time, in brutal, often unbelievable circumstances. One section describes a circumstance in which “three of Cresson’s psychology staff …  witnessed a senior member of the staff telling SSNU prisoners with intellectual disabilities that they had to sing, ‘I’m a little teapot’ if they wanted to improve their living conditions and obtain more mental health treatment.” Though that description may sound like fiction, it soon became very real. That prisoner, who had an IQ of 70, devolved into near insanity due to his treatment at SCI Cresson. During five months in the SSNU, this prisoner fell into a “downward spiral,” the report describes. At no time was he offered group therapy or one-on-one therapy. He was mocked and taunted by correctional officers, called a “retard” repeatedly, forced to wear a thin, paper like smock in a solitary confinement cell while temperatures dropped to near freezing temperatures. COs spit in his food, declined to provide him with toilet paper, took away his mattress so he was forced to sleep on cold concrete. The report, which references the prisoner as “LL,” indicates “he was smearing feces on the wall of his cell” by May 2011. Two months later, he was threatening self-harm. The report continues: …read more

Source: FULL ARTICLE at Forbes Latest

4 Ways To Build Your 'Executive Presence'

By Geri Stengel, Contributor

The “it” factor: As a women entrepreneur with big plans for growth, you’ve got to have “it” — Executive Presence, that is. Your company’s upward trajectory can be stopped in its tracks if you don’t look, sound, and act like an Executive (yes, with a capital E). People judge a company by its leader.  “Women [and men] who have ‘it’ have discovered the right formula of conveying their business expertise using a combination of competence — business knowledge — and warmth — their ability to connect with others,” said Rosina Racioppi, President and CEO of  WOMEN Unlimited, which trains talented women to develop needed skills and mindset shifts to become leaders. 1.) Look the part Like it or not, the first thing people judge you (and your company) by is how you, the leader,  looks. As the head of the company, your clothing, hair, and makeup say something about your company. Make sure your personal style conveys the image that you want your company to portray. If you’re a funky company, dressing like Cyndi Lauper may work, but for most women entrepreneurs, her look won’t do. Be intentional about the impression you want to make and be consistent with the company’s brand, said Racioppi. If your company’s image is professional, you may want to dress up a bit even if you’re at a conference where most people dress casually. Dressing appropriately is the easiest way to for you and your company to exude Executive Presence. 2.) Mind what and how you speak More critical is what you say and how you say it. Too many women want to tell people everything they know.  Instead, “communicate in a clear and concise manner,” said Racioppi. “Do not give a dissertation as an answer to a question or in a presentation. To have a positive impact in your communication, deliver information in headlines.” Engage people in conversation. Don’t talk at them, talk with them. If you have expertise in a specific area, make two or three points. Don’t overload people with all the details. Speak from your experience and in a voice of authority. Avoid phrases like “I think,” “it might be.” These phrases diminish the power of what you have to say, according to Racioppi. 3.) Use your (EQ) These days it’s not just about being competent. Key to Executive Presence is to be seen as approachable and engageable. Women tend to put their competences upfront and hide their warmth. “Being an effective, charismatic leader is as much about IQ as it is about EQ,” said Racioppi. “Women who are successful in business understand that they need to have a style that allows others to engage with them effectively.  People (men or women) who have a style that is off-putting will be challenged to build successful relationships with others.” You need to be interested in the capabilities and perspectives of others including your clients, employees, investors and vendors. 4.) Get feedback It’s also important to know how others see you and how you …read more

Source: FULL ARTICLE at Forbes Latest

Think Fast, Are We Really Getting Dumber?

By David DiSalvo

A new study suggests that people living today are considerably less intelligent than people living a couple centuries ago, to the tune of 14 fewer IQ points on average.

The metric evaluated to reach this conclusion isn’t one most would guess. Rather than comprehensive IQ test scores declining over time, researchers focused on declining reaction times–a metric that correlates with general intelligence for reasons that aren’t entirely clear.

In psychological parlance, the study of reaction times is called mental chronometry. If you participated in a mental chronometry study, you would be presented with a stimulus (let’s say an intermittently flashing blue light on a digital console) and asked to react to the stimulus as quickly as possible (in this example by pushing a button on the console when the blue light flashes).  How quickly you react is thought to be a measure of your brain’s processing speed.

General intelligence (also called the “g factor”) is comprised of multiple parts, mental processing speed among them. And it’s this speed that researchers analyzed, using psychometric data from the Victorian era beginning in 1884, up through 2004, culled from 14 intelligence studies conducted during that span (the handy thing about reaction time is that it’s testable with several different methods, and older methods are still considered valid).  The results aren’t flattering to us moderns: IQ, as measured by reaction time, dropped 1.23 points per decade, for a total of 14 points in the hole.

Before I throw a little devilish advocacy at this troubling conclusion, it’s first worth asking what could possibly be the cause of declining intelligence if the finding is accurate?  Researchers who conducted this study believe the drop is related to “dysgenic fertility” — murky jargon for the theory that smarter people have fewer kids.

The theory goes something like this: smart people are more creative and industrious than the masses, and their energy—consumed by productive pursuits—is less available for bringing children into the world. Kids are, after all, energy and time intensive, and the richest brains don’t have the energy or time to raise a brood.  As the years pass, this proclivity for productivity results in the genetic selection of less intelligent people emerging on the scene generation after generation.

Whether or not that argument is airtight is a topic for another day; suffice to say for now that it has many supporters who believe it’s the tidiest way to account for a snowballing decline in general intelligence. And it’s also what makes the Victorian era, noted for its geyser of prodigious innovation, such a strong starting point for this research.

Having said that, let’s now toss a couple wrenches into the works.

First, the study results run counter to a well-studied phenomenon known as the “Flynn effect.”  Named after James Flynn, a political scientist who first discovered it in the mid-1980s, the Flynn effect is the surprising trend of increasing intelligence over time.

Flynn found that IQ increases about 3 points every 10 years, based on results of well-established tests of intelligence including the Wechsler Intelligence Scale for Children and its adult counterpart. That’s nearly a 10-point increase per generation. Rather than accounting for one aspect of intelligence, like processing speed measured by reaction time, the Flynn effect considers a range of factors cutting-across verbal and mathematical aptitudes—and in general it evidences a clear advantage for the modern mind.

The reasons for the Flynn effect are likely many, but the biggest one is that ever since the industrial revolution we’ve been the beneficiaries of more education, more technology, and more opportunities for sharpening our minds than our pre-industrial ancestors. In other words, the Flynn effect shows undeniably strong societal and cultural influences on intelligence.

The takeaway from the Flynn effect is not that our forebearers were stupid, but rather that as time passes we’d do well to recalibrate what “general intelligence” really means. Comparing your intelligence with that of someone living half a century before the industrial revolution isn’t apples-to-apples; at best, it’s a comparison of apples grown in radically different soils and climates.

The second wrench to fling (not nearly as significant as the Flynn effect) is that reaction time appears to be changeable. Research suggests that it may in fact be changeable by doing something as simple as chewing gum.

If reaction time is so easily altered, we might ask if it’s such a sturdy indicator of general intelligence after all. At the very least, we might ask if sweeping arguments about the advancing dumbnification of the Western world should be built on something that a few sticks of Big Red can tweak.

At any rate, it would seem that rumors of our stupidity have been somewhat exaggerated. We may or may not be significantly smarter than those who came before, but the evidence isn’t pointing to us being alarmingly denser. It’s even possible, if not probable, that we’re right where we should be.

You can find me on Twitter @neuronarrative and at my website, The Daily Brain.

Source: FULL ARTICLE at Forbes Health

What Is Cost-Benefit Analysis?

By Selena Maranjian

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April is Financial Literacy Month, and our goal is to help you raise your money IQ. In this series, we’ll tackle key economic concepts — ones that affect your everyday finances and investments — to help you make smarter choices with every dollar decision you face.

Today’s term: cost-benefit analysis.

Most of us are familiar with the term, and have a basic grasp of it. It refers to how a project or decision might be evaluated, comparing its costs with its benefits. In many cases, it’s a like a quantified pros-and-cons list.

Applying cost-benefit analyses in the business world and your own personal finances can be very effective, helping decision makers avoid just going with their gut or with very rough calculations.

The Most Bang for the Buck in Business

In the business world, companies’ managers might think in terms of costs and benefits if they have several possible actions they can take. For example, a cost-benefit analysis can help them determine whether to build another factory, buy a certain company, issue more stock, or expand their employee retirement benefits.

Economists apply cost-benefit analysis when they want to estimate the effect of various actions, such as government incentive programs to support the housing market, or subsidies for certain industries, or changes in tax rates, or spending on infrastructure.

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The analysis can take various forms, and can involve varying degrees of complexity and precision, everything from considering opportunity costs (i.e., what is given up by making a given choice) to applying probability estimates to outcomes, to calculating the net present value of various options (which involves translating future costs and benefits into current dollars).

Assessing the costs and benefits helps zero in on the action that offers the most bang for the buck. It’s good to remember, though, that these analyses are not necessarily precise, as they often include estimates, especially for qualitative factors.

Cost-Benefit Analysis in Our Lives

When pondering big decisions (or even some small ones), using cost-benefit analysis can help you be a bit more rigorous in your decision making process and more confident in the final decision you make. It comes in handy in all sorts of situations, such as when you’re:

  • Weighing different career or job options. In this case, you might factor in any costs associated with getting the required training, the amount you’ll expect to earn, the degree of enjoyment you’ll get, the location, the commute, the wardrobe, the hours, the employee benefits, and so on.
  • Deciding whether to rent or buy a home, and what kind of home, too. You might consider costs such as the down payment, mortgage, insurance, monthly rent, along with the cost of commuting from various spots, the satisfaction provided by each location and home type, the expected cost of repairs and

    From: http://www.dailyfinance.com/2013/04/19/cost-benefit-analysis-definition/

What Is Inflation?

By Selena Maranjian

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April is Financial Literacy Month, and our goal is to help you raise your money IQ. In this series, we’ll tackle key economic concepts — ones that affect your everyday finances and investments — to help you make smarter choices with every dollar decision you face.

Today’s term: inflation.

You probably think you’ve got the term down pat: Inflation means prices rising over time. Well, yes, that’s pretty much right. But there’s much more to inflation, and it’s much more relevant to your life than you might think. Inflation can go in the opposite direction, for example, and it can spiral out of control.

First, a quick review.

Inflation is about purchasing power. It’s a way to measure the changing purchasing power of our currency by tracking changes in the prices of things we buy. The national banks of various countries try to keep inflation under control through their actions and policies (such as via the interest rates they set); many aim for an annual inflation rate of about 2 percent to 3 percent.

If inflation is at our long-term national average rate of about 3 percent, you can expect that something that costs you $100 today will cost you $103 next year, and $116 in five years. Plenty of online inflation calculators can give you a peek into the past, too. For example, per the U.S. Department of Labor’s calculator, it would cost you $62 in 1993 dollars to buy what costs you $100 today.

It’s not as simple as it seems

While the concept of inflation seems simple, as in the examples above, it’s actually a bit more complicated. For one thing, prices of various goods and services tend to grow — and sometimes shrink — at significantly different rates.

Think of college tuition, room and board, for example. Between the 2000-2001 and 2010-2011 school years, that cost has grown by an annual average of 5.5 percent overall, at both private and public schools combined. Meanwhile, the average selling price of a new vehicle rose just 1.7 percent, on average, annually between 2001 and 2011, and the price of gas averaged 8.9 percent annual growth during that same period.

Changes can be quite different in different time periods, for different items, and even in different regions — think of the housing market, for example.

Inflation is calculated in different ways, too. Its most basic form, as calculated by the Bureau of Labor Statistics, is the Consumer Price Index or CPI, which reflects the changes in prices of a basket of goods and services, such as food, gasoline, newspapers, postage, lodging, furniture, dental services, socks, cigarettes, pet food and more. There’s also the “Core CPI,” which excludes energy and food prices, as they can be especially volatile.

Another key thing to understand is that each of

From: http://www.dailyfinance.com/2013/04/17/inflation-definition/

What is Supply and Demand?

By Selena Maranjian

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April is Financial Literacy Month, and our goal is to help you raise your money IQ. In this series, we’ll tackle key economic concepts — ones that affect your everyday finances and investments — to help you make smarter choices with every dollar decision you face.

Today’s concept: supply and demand.

Most folks are familiar with the concept of supply and demand, but most of us also don’t give it much thought, which is a mistake. That’s because it applies to much more than just business.

First, to review. In basic economics, the law of supply and demand influences prices. If supply of an item is abundant, that will pressure the price downward, and vice versa. In practice, imagine that you’re the only one in town selling shoehorns. Because consumers don’t have any other places to buy the product, that gives you some pricing power. But if other stores in town start carrying shoehorns, you may have to drop your price to keep customers coming.

In the Stock Market

Similar principles are at work in the stock market. Once stocks are launched into the market via an initial public offering, or IPO, their prices aren’t set by the companies behind the stocks, or even the brokerages processing the trading. Instead, they reflect the shares’ supply and demand.

As an example, think of retailer J.C. Penney (JCP). Its stock closed at $15.87 per share on April 8. But on April 9, it closed around $13.92, down more than 12 percent in a single day.

What happened? Well, the struggling company’s CEO, Ron Johnson, was dismissed, replaced by a former CEO, Mike Ullman. The fact that the stock price sank reflects a lack of confidence in the company — or a lack of demand for its shares. If investors were more optimistic about the company and Ullman’s leadership potential, demand for its shares would have risen, driving the price up.

Meanwhile, shares of Yahoo (YHOO) have surged more than 50 percent since Marissa Mayer took the reins of the company. That increase reflects confidence in her leadership and the company’s future — via an increased demand for shares.

In Our Lives

Shortages and surpluses affect other areas of our lives, too, such as careers. There’s a good case to be made for pursuing the career that most excites you, but you would also do well to factor in the supply and demand for that occupation and others.

There are many lists of jobs that are expected to be in great demand in the coming years. The folks at Randstad, for example, a major global staffing company, have listed “13 Hot Jobs for 2013.” They include registered nurses, physicians (specializing in urgent care and anti-aging medicine), drug safety specialists, mortgage underwriters, loan documentation specialists, accountants, manufacturing production specialists, industrial

From: http://www.dailyfinance.com/2013/04/16/supply-and-demand-definition/

What Is Compound Interest?

By Selena Maranjian

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April is Financial Literacy Month, and our goal is to help you raise your money IQ. In this series, we’ll tackle key economic concepts — ones that affect your everyday finances and investments — to help you make smarter choices with every dollar decision you face.

Today’s term: compound interest.

The concept of interest is familiar to most of us. We know that with many bank accounts, for example, we earn some interest — though it’s rather paltry these days.
It’s Financial Literacy Month, so throughout April we’ll be examining key economic concepts that affect your everyday finances. Today’s term: net worth
But there are several kinds of interest that are calculated and represented quite differently than simple interest. Compound interest is — pardon the pun — one of the more interesting ones.

First, let’s start with simple interest. Here’s how it works: Let’s say that you’ve parked $1,000 in an account somewhere, earning 10 percent per year in simple interest. In year one, you’ll collect $100, bringing your total to $1,100. Great, eh? In year two, you get… $100. That brings your total to $1,200. In year three, you’re at $1,300. You’re probably catching on to the idea by now. You keep earning that interest rate off your initial principal.

Small numbers become big numbers

Enter compound interest, which is far more exciting.

Start again with $1,000 and factor in an annual 10 percent compound interest rate. In year one, you get $100, for a total of $1,100. In year two, though, you collect that 10 percent not only on your original principal amount, but also on the interest you’ve already earned – on the whole $1,100. So you earn $110, instead of the $100 that simple interest gave you, bringing your total to $1,210. In year three, you collect $121 instead of $100, for a total of $1,331 instead of $1,300. In year four, you earn $133, bringing your total to $1,464 instead of the $1,400 you’d have earning simple interest.

The key thing to observe in this example is that not only is your overall total investment growing from year to year, but the amount by which it’s growing is also increasing.

Now check out how powerful that 10 percent compound interest rate is over time, because when you combine compounding with years, the magic really happens:

$1,000 grows at 10% annually over… And becomes…
10 years $2,594
20 years $6,728
30 years $17,449
40 years $45,259
50 years $117,391

Compound interest in your life

That kind of growth may seem magical, but it’s not magic — it’s just math.

You don’t need to wait around for an every-so-many-years environment of steep interest rates, either. If you invest in stocks or some other appreciating asset, your investment can compound over time even if it does not deliver the same return every

From: http://www.dailyfinance.com/2013/04/15/compound-interest-definition/

What Is Asset Allocation?

By Selena Maranjian

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April is Financial Literacy Month, and our goal is to help you raise your money IQ. In this series, we’ll tackle key economic concepts — ones that affect your everyday finances and investments — to help you make smarter choices with every dollar decision you face.

Today’s term: asset allocation.

In the most basic sense, asset allocation is simply how one’s assets are divided among different asset classes, such as cash, stocks, bonds, real estate, and so on — even insurance investments, commodities, collectibles, and other categories count.

But the term also refers to an investment strategy — one that can reduce risk through diversification.

Clearly, having all your money in any one asset class can be risky. In 2008, the S&P 500 plunged 37 percent. If you’d held all your assets in an S&P 500 index fund, your net worth would have taken a big hit that year. (It’s worth noting, though, that long-term investors who held on regained those losses.) That was also a time of falling real estate values, and had you been a big property owner, especially in some particularly hard-hit regions, you’d have suffered a big blow, with our national housing market only recently starting to pick up again.

Given the harrowing ride we’ve been on in recent years, you might think that holding cash is the best way to protect your assets from outside forces. Think again.

Cash’s buying power tends to shrink every year, due to inflation. Given the inflation we’ve experienced between just 2000 and 2012, something that cost you $100 in 2000 would cost you about $132 today. Dollars stashed in a mattress are shrinking dollars.

Even dollars kept in savings accounts these days are problematic, given our low interest rates. If you’re earning even 1 percent in interest, but the inflation rate is around the long-term average rate of roughly 3 percent, then you’re losing ground by 2 percent annually. Bonds can offer a guaranteed return, but they too sport low interest rates today, and bond prices can fall over time, too.

Allocation in Action

There is no one-size-fits-all perfect asset allocation model. What’s good for you might be less so for someone else, due to the current size of your nest egg, your risk tolerance, your years until retirement, and other considerations.

One thing that everyone should do, though, is rebalance their portfolio, to maintain the desired allocation. That’s because over time, an allocation will likely change.

Imagine this simple example: If your assets are split equally between stocks and bonds, and over three years your bonds hold steady, but your stocks double in value, your allocation will no longer be 50-50. It will be 33-67, with stocks making up much more of the overall portfolio.

Some advisers

From: http://www.dailyfinance.com/2013/04/12/asset-allocation-definition/

What Is Net Worth?

By Selena Maranjian

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April is Financial Literacy Month, and our goal is to help you raise your money IQ. In this series, we’ll tackle key economic concepts — ones that affect your everyday finances and investments — to help you make smarter choices with every dollar decision you face.

Today’s term: net worth.

In a nutshell, net worth is what you get when you subtract liabilities from assets — what you owe from what you own. Like many economic and financial terms, net worth can apply in a variety of situations.

If you’re evaluating a company for your portfolio,you might glance at its balance sheet to get a handle on its net worth. Balance sheets break out assets (such as cash, inventory, and receivables) and liabilities (such as debt and accounts payable). Subtracting the latter from the former gives you net worth, which is also referred to in this context as shareholders’ equity or book value.

Here’s an example: As of the end of 2012, IBM’s (IBM) assets totaled $119 billion, and its liabilities totaled $100 billion. Thus, its net worth, or shareholders’ equity, was $19 billion.

Net Worth in Our Lives

Each of us has an individual net worth, too, and it’s arrived at in similar fashion.

First, grab a sheet of paper and list all your assets. These would include the contents of your bank accounts, your investments, the equity you have in your home, your retirement accounts, the current value of your car(s), the value of your jewelry, the contents of your wallet or purse, and so on. Be thorough — your sizable board game collection might be worth several thousand dollars, for example.

Next, list all your liabilities, or debts. These would include what you owe on your mortgage or car loan, your credit card debt, any school loans outstanding, and any other debt, such as a home equity loan.

Finally, subtract the liabilities from the assets. What’s left is your net worth.

Ideally, your net worth is positive and will grow over time. If your net worth is in negative territory, that’s not great, but by saving aggressively, paying down your debts, and being careful in your spending you can reverse the situation over time.

How Does Your Net Worth Compare?

For the record, a typical net worth for an American family these days is between $100,000 and $200,000.

The aggregate net worth of Americans has risen recently and is finally back to pre-recession levels. But much of those gains have gone to wealthy Americans and can be traced to the stock market‘s recovery.

Middle-class Americans have about two-thirds of their net worth represented by their home equity, and home values have not recovered as much as the stock market at this point. The Dow Jones Industrial Average has more than doubled …read more

Source: FULL ARTICLE at DailyFinance

What is Cash Flow?

By Selena Maranjian

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April is Financial Literacy Month and our goal is to help you raise your money IQ. In this series, we’ll tackle key economic concepts — ones that affect your everyday finances and investments — to help you make smarter choices with every dollar decision you face. Stick with us, and you’ll end April financially smarter than you were when the month began.

Here’s a vital concept to understand: cash flow.

The meaning of the term varies depending on context. In the accounting world, for example, it refers to the change in a company’s cash level over a specific period of time. If a company’s cash level rises during that period, it’s exhibiting positive cash flow. If it shrinks, negative cash flow.

When investors study companies to see if they might be good fits for their portfolios, they may assess “free cash flow.” That reflects a company’s cash flow from its operations after it pays all its expenses. Free cash flow can be viewed as the lifeblood of a company.

Negative free cash flow means a company is burning through its cash — a la J.C. Penney (JCP), Sears Holdings (SHLD), and Radio Shack (RSH), all of which have recently been sporting negative free cash flow.

While negative free cash flow can be viewed as a red flag in the investing world, it’s not necessarily a portent of doom. It all depends on what the company is spending its money on. Consider Netflix (NFLX), for example. Its free cash flow recently turned negative, but it has been investing heavily in its business, enlarging its catalog, and creating original programming, such as the well-received “House of Cards.”

Cash flow in our lives
The cash flow concept isn’t just useful for companies. It can also be applied to personal finances and can give you a better handle on how you’re doing money-wise.

To assess your personal cash flow, grab your bank account statement and jot down the cash you had on hand at the end of the past few months or quarters. (If you have multiple bank accounts and/or coffee cans stuffed with money, include those as well.) A glance at those sums will reflect whether you’re building cash value or shedding it.

Big or growing cash totals mean you have more opportunities to deploy those sums — perhaps socking some in an emergency fund, or adding to an IRA, or paying down debt.

Your cash flow doesn’t represent your total financial health, though. That’s a topic for another day. After all, you might have a modest amount of cash in the bank but no debt, a robust stock portfolio, solid retirement savings, and a big chunk of equity in your house.

Tracking your cash flow, however, can be a big eye opener.

Corral your cash and see which way …read more

Source: FULL ARTICLE at DailyFinance

Automated analysis of digital records could expose intimate details, personality traits of millions, study finds

New research, published today in the journal PNAS, shows that surprisingly accurate estimates of Facebook users’ race, age, IQ, sexuality, personality, substance use and political views can be inferred from automated analysis of only their Facebook Likes – information currently publicly available by default. …read more
Source: FULL ARTICLE at Phys.org

Looking into the Far Future of Chips

By Jim Handy, Contributor

Every February the best and brightest researchers of the semiconductor industry converge on San Francisco to share their new developments in chip technology at the International Solid State Circuits Conference (ISSCC).  As I attend a presentation I like to wonder just how astronomical the average IQ is of the attendees in the room. …read more
Source: FULL ARTICLE at Forbes Latest

Charles Darwin's Birthday

Hey everyone! First off let me just say thank you so much for coming to my birthday party. I know that I can kind of live out of the way of most stuff, but I appreciate you making the trek! Also, sorry about that riddle at the gate, it is just a way to keep pranksters with an IQ below 110 from crashing the party. But don’t text anyone the answer; there is a trap door for people who get the answer wrong that I have been dying to test out.

<br /…

Source: FULL ARTICLE at College Humor – Articles

Understanding Obama And The Liberal Mindset

By Joe Nathan DeWight

Obama Lying King Michelle David Axelrod Liberal Media SC Understanding Obama And The liberal Mindset

You can’t! It will drive you crazy if you try.  If you have an IQ that is even slightly higher than that of a donkey, you will try to use logic, reason, and reality.  All of those concepts are lost on the Liberals.

Monday, I watched Obama address the Nation; and if I didn’t know better, I would have thought it was a comedy show.  It reminded me of the old Mork and Mindy sitcom from about 1975.  Nothing Obama was saying had anything to do with the real world.  It was like he was watching one show and we were watching a different show, but he just assumed that everyone always watched the same shows that he does.  He had been watching and was talking about “Snow White”, but we had been watching “The Three Little Pigs”.

For example, he said that Congress has never blocked the raising of the debt ceiling like the Republicans are doing now.  He went on to say that even when it was a Republican trying to raise the debt ceiling, the Democrats did not offer any resistance. DUH! Of course they didn’t.  The Democrats have never had a debt ceiling they didn’t want to raise.

I’m sure you noticed that he didn’t say that the Democrats have never fought a Republican President about the debt ceiling, but he said the Democrats have never fought a President when he wanted to raise the debt ceiling.

So if you try to understand Obama and the Liberal mindset, you cannot use your logic, reason, or sense of reality if you want to remain a Conservative. Because once you stop using logic, reason, and reality, you become just another Democrat.

I am going to try and explain the Debt Ceiling so a little child or a Democrat can understand it.

A conversation between a dad and his just-out-of-school son.

Son: “Dad, I need to borrow your credit card because I am out of gas, but I need to get to work.”

The dad loans his card to his son; but a little while later, the son calls his dad.

Son: “Dad, I found this really nice Stereo, so I  need to use your card.”

Dad: “No son; we cannot afford a stereo for your car,  so bring my card back to me.”

Son:  ”Dad, I found this really nice big screen TV, so I need to use your card.”

Dad: “No son; we cannot afford a big screen TV,  so bring my card back to me.”

Son: “Dad, I want to go to Hawaii with my girlfriend, so I need to use your card.”

Dad: “NO!  We can’t afford for you to go to Hawaii. BRING MY CARD BACK!”

A few days later, the dad receives a phone call from his credit card’s  bank. The nice man from the bank tells him that he is over his credit limit, then tells him it was because of a car stereo, a big screen TV, and an elaborate trip to Hawaii.  The dad tells the bank that he didn’t buy those things, and the bank tells the dad that his son signed for those things.  The dad explains that he did not authorize  his son to buy those things.  The nice man from the bank explains that because the dad let the son use the card for gas, he is responsible for all of the purchases.

Son:  ”Dad, I am out of gas again, and I need to get to work.  I need to borrow your card.”

Dad: “Son, because you were so irresponsible with my card in the past, we are over the limit’ and the bank won’t let me use the card.”

Son: “Dad, all you have to do is call the bank and ask them to raise your credit limit.”

Dad: “Son, you need to pay for the stuff that you bought last month so I can pay down my card, and I won’t need to have the bank raise my credit limit.”

Son: “But Dad, how will I get to work?”

Dad: “Walk to work!”

Son: “Dad, if you don’t call the bank and have them raise your credit limit so I can use your card, I am going to tell all of your friends that you are a bad father and you refused to help me.”

The country spends more than it makes:

1:   Democrat: “Get a bigger credit card.”

2:  Republican: “Stop spending so much.”

Someone breaks into a school and shoots a teacher and some students.

1:  Democrat:  ”Make sure that the teacher can’t get a gun so she cannot protect herself and the children, and more children will be shot.”

2:   Republican:  ”Make sure that the teacher has a gun so she can protect herself and the children in her care, and no children will be shot.”

Democrat:  Knee-jerk, feel-good stupidity.  Do something even if it is wrong.

Republican: Be logical, apply reason, look at reality, and do what needs to be done.

So you can see what they do, assume what they must be thinking, or know that they don’t know how to think;  but don’t even try to understand the Liberal mindset.

Ever wonder why the Democrats selected a donkey as their symbol?

Source: FULL ARTICLE at Western Journalism