Saturday, April 30, 2016

MAP: Up in Arms

Up in Arms

            THE BATTLE LINES OF TODAY’S DEBATES OVER GUN CONTROL, STAND-YOUR-GROUND LAWS, AND OTHER VIOLENCE-RELATED ISSUES WERE DRAWN CENTURIES AGO BY AMERICA’S EARLY SETTLERS
BY COLIN WOODARD, A91
ILLUSTRATION BY BRIAN STAUFFER

Last December, when Adam Lanza stormed into the Sandy Hook Elementary School in Newtown, Connecticut, with a rifle and killed twenty children and six adult staff members, the United States found itself immersed in debates about gun control. Another flash point occurred this July, when George Zimmerman, who saw himself as a guardian of his community, was exonerated in the killing of an unarmed black teenager, Trayvon Martin, in Florida. That time, talk turned to stand-your-ground laws and the proper use of deadly force. The gun debate was refreshed in September by the shooting deaths of twelve people at the Washington Navy Yard, apparently at the hands of an IT contractor who was mentally ill.

Such episodes remind Americans that our country as a whole is marked by staggering levels of deadly violence. Our death rate from assault is many times higher than that of highly urbanized countries like the Netherlands or Germany, sparsely populated nations with plenty of forests and game hunters like Canada, Sweden, Finland, or New Zealand, and large, populous ones like the United Kingdom, Germany, and Japan. State-sponsored violence, too—in the form of capital punishment—sets our country apart. Last year we executed more than ten times as many prisoners as other advanced industrialized nations combined—not surprising given that Japan is the only other such country that allows the practice. Our violent streak has become almost a part of our national identity.

What’s less well appreciated is how much the incidence of violence, like so many salient issues in American life, varies by region. Beyond a vague awareness that supporters of violent retaliation and easy access to guns are concentrated in the states of the former Confederacy and, to a lesser extent, the western interior, most people cannot tell you much about regional differences on such matters. Our conventional way of defining regions—dividing the country along state boundaries into a Northeast, Midwest, Southeast, Southwest, and Northwest—masks the cultural lines along which attitudes toward violence fall. These lines don’t respect state boundaries. To understand violence or practically any other divisive issue, you need to understand historical settlement patterns and the lasting cultural fissures they established.

The original North American colonies were settled by people from distinct regions of the British Isles—and from France, the Netherlands, and Spain—each with its own religious, political, and ethnographic traits. For generations, these Euro-American cultures developed in isolation from one another, consolidating their cherished religious and political principles and fundamental values, and expanding across the eastern half of the continent in nearly exclusive settlement bands. Throughout the colonial period and the Early Republic, they saw themselves as competitors—for land, capital, and other settlers—and even as enemies, taking opposing sides in the American Revolution, the War of 1812, and the Civil War.

There’s never been an America, but rather several Americas—each a distinct nation. There are eleven nations today. Each looks at violence, as well as everything else, in its own way.

The precise delineation of the eleven nations—which I have explored at length in my latest book, American Nations—is original to me, but I’m certainly not the first person to observe that such national divisions exist. Kevin Phillips, a Republican Party campaign strategist, recognized the boundaries and values of several of these nations in 1969 and used them to correctly prophesy two decades of American political development in his politico cult classic The Emerging Republican Majority. Joel Garreau, a Washington Post editor, argued that our continent was divided into rival power blocs in The Nine Nations of North America, though his ahistorical approach undermined the identification of the nations. The Pulitzer Prize–winning historian David Hackett Fischer detailed the origins and early evolution of four of these nations in his magisterial Albion’s Seed and later added New France. Russell Shorto described the salient characteristics of New Netherland in The Island at the Center of the World. And the list goes on.

The borders of my eleven American nations are reflected in many different types of maps—including maps showing the distribution of linguistic dialects, the spread of cultural artifacts, the prevalence of different religious denominations, and the county-by-county breakdown of voting in virtually every hotly contested presidential race in our history. Our continent’s famed mobility has been reinforcing, not dissolving, regional differences, as people increasingly sort themselves into like-minded communities, a phenomenon analyzed by Bill Bishop and Robert Cushing in The Big Sort (2008). Even waves of immigrants did not fundamentally alter these nations, because the children and grandchildren of immigrants assimilated into whichever culture surrounded them.

Before I describe the nations, I should underscore that my observations refer to the dominant culture, not the individual inhabitants, of each region. In every town, city, and state you’ll likely find a full range of political opinions and social preferences. Even in the reddest of red counties and bluest of blue ones, twenty to forty percent of voters cast ballots for the “wrong” team. It isn’t that residents of one or another nation all think the same, but rather that they are all embedded within a cultural framework of deep-seated preferences and attitudes—each of which a person may like or hate, but has to deal with nonetheless. Because of slavery, the African American experience has been different from that of other settlers and immigrants, but it too has varied by nation, as black people confronted the dominant cultural and institutional norms of each.

The nations are constituted as follows:

YANKEEDOM. Founded on the shores of Massachusetts Bay by radical Calvinists as a new Zion, Yankeedom has, since the outset, put great emphasis on perfecting earthly civilization through social engineering, denial of self for the common good, and assimilation of outsiders. It has prized education, intellectual achievement, communal empowerment, and broad citizen participation in politics and government, the latter seen as the public’s shield against the machinations of grasping aristocrats and other would-be tyrants. Since the early Puritans, it has been more comfortable with government regulation and public-sector social projects than many of the other nations, who regard the Yankee utopian streak with trepidation.

NEW NETHERLAND. Established by the Dutch at a time when the Netherlands was the most sophisticated society in the Western world, New Netherland has always been a global commercial culture—materialistic, with a profound tolerance for ethnic and religious diversity and an unflinching commitment to the freedom of inquiry and conscience. Like seventeenth-century Amsterdam, it emerged as a center of publishing, trade, and finance, a magnet for immigrants, and a refuge for those persecuted by other regional cultures, from Sephardim in the seventeenth century to gays, feminists, and bohemians in the early twentieth. Unconcerned with great moral questions, it nonetheless has found itself in alliance with Yankeedom to defend public institutions and reject evangelical prescriptions for individual behavior.

THE MIDLANDS. America’s great swing region was founded by English Quakers, who believed in humans’ inherent goodness and welcomed people of many nations and creeds to their utopian colonies like Pennsylvania on the shores of Delaware Bay. Pluralistic and organized around the middle class, the Midlands spawned the culture of Middle America and the Heartland, where ethnic and ideological purity have never been a priority, government has been seen as an unwelcome intrusion, and political opinion has been moderate. An ethnic mosaic from the start—it had a German, rather than British, majority at the time of the Revolution—it shares the Yankee belief that society should be organized to benefit ordinary people, though it rejects top-down government intervention.

TIDEWATER. Built by the younger sons of southern English gentry in the Chesapeake country and neighboring sections of Delaware and North Carolina, Tidewater was meant to reproduce the semifeudal society of the countryside they’d left behind. Standing in for the peasantry were indentured servants and, later, slaves. Tidewater places a high value on respect for authority and tradition, and very little on equality or public participation in politics. It was the most powerful of the American nations in the eighteenth century, but today it is in decline, partly because it was cut off from westward expansion by its boisterous Appalachian neighbors and, more recently, because it has been eaten away by the expanding federal halos around D.C. and Norfolk.

GREATER APPALACHIA. Founded in the early eighteenth century by wave upon wave of settlers from the war-ravaged borderlands of Northern Ireland, northern England, and the Scottish lowlands, Appalachia has been lampooned by writers and screenwriters as the home of hillbillies and rednecks. It transplanted a culture formed in a state of near constant danger and upheaval, characterized by a warrior ethic and a commitment to personal sovereignty and individual liberty. Intensely suspicious of lowland aristocrats and Yankee social engineers alike, Greater Appalachia has shifted alliances depending on who appeared to be the greatest threat to their freedom. It was with the Union in the Civil War. Since Reconstruction, and especially since the upheavals of the 1960s, it has joined with Deep South to counter federal overrides of local preference.

DEEP SOUTH. Established by English slave lords from Barbados, Deep South was meant as a West Indies–style slave society. This nation offered a version of classical Republicanism modeled on the slave states of the ancient world, where democracy was the privilege of the few and enslavement the natural lot of the many. Its caste systems smashed by outside intervention, it continues to fight against expanded federal powers, taxes on capital and the wealthy, and environmental, labor, and consumer regulations.

EL NORTE. The oldest of the American nations, El Norte consists of the borderlands of the Spanish American empire, which were so far from the seats of power in Mexico City and Madrid that they evolved their own characteristics. Most Americans are aware of El Norte as a place apart, where Hispanic language, culture, and societal norms dominate. But few realize that among Mexicans, norteños have a reputation for being exceptionally independent, self-sufficient, adaptable, and focused on work. Long a hotbed of democratic reform and revolutionary settlement, the region encompasses parts of Mexico that have tried to secede in order to form independent buffer states between their mother country and the United States.

THE LEFT COAST. A Chile-shaped nation wedged between the Pacific Ocean and the Cascade and Coast mountains, the Left Coast was originally colonized by two groups: New Englanders (merchants, missionaries, and woodsmen who arrived by sea and dominated the towns) and Appalachian midwesterners (farmers, prospectors, and fur traders who generally arrived by wagon and controlled the countryside). Yankee missionaries tried to make it a “New England on the Pacific,” but were only partially successful. Left Coast culture is a hybrid of Yankee utopianism and Appalachian self-expression and exploration—traits recognizable in its cultural production, from the Summer of Love to the iPad. The staunchest ally of Yankeedom, it clashes with Far Western sections in the interior of its home states.

THE FAR WEST. The other “second-generation” nation, the Far West occupies the one part of the continent shaped more by environmental factors than ethnographic ones. High, dry, and remote, the Far West stopped migrating easterners in their tracks, and most of it could be made habitable only with the deployment of vast industrial resources: railroads, heavy mining equipment, ore smelters, dams, and irrigation systems. As a result, settlement was largely directed by corporations headquartered in distant New York, Boston, Chicago, or San Francisco, or by the federal government, which controlled much of the land. The Far West’s people are often resentful of their dependent status, feeling that they have been exploited as an internal colony for the benefit of the seaboard nations. Their senators led the fight against trusts in the mid-twentieth century. Of late, Far Westerners have focused their anger on the federal government, rather than their corporate masters.

NEW FRANCE. Occupying the New Orleans area and southeastern Canada, New France blends the folkways of ancien régime northern French peasantry with the traditions and values of the aboriginal people they encountered in northeastern North America. After a long history of imperial oppression, its people have emerged as down-to-earth, egalitarian, and consensus driven, among the most liberal on the continent, with unusually tolerant attitudes toward gays and people of all races and a ready acceptance of government involvement in the economy. The New French influence is manifest in Canada, where multiculturalism and negotiated consensus are treasured.

FIRST NATION. First Nation is populated by native American groups that generally never gave up their land by treaty and have largely retained cultural practices and knowledge that allow them to survive in this hostile region on their own terms. The nation is now reclaiming its sovereignty, having won considerable autonomy in Alaska and Nunavut and a self-governing nation state in Greenland that stands on the threshold of full independence. Its territory is huge—far larger than the continental United States—but its population is less than 300,000, most of whom live in Canada.

If you understand the United States as a patchwork of separate nations, each with its own origins and prevailing values, you would hardly expect attitudes toward violence to be uniformly distributed. You would instead be prepared to discover that some parts of the country experience more violence, have a greater tolerance for violent solutions to conflict, and are more protective of the instruments of violence than other parts of the country. That is exactly what the data on violence reveal about the modern United States.

Most scholarly research on violence has collected data at the state level, rather than the county level (where the boundaries of the eleven nations are delineated). Still, the trends are clear. The same handful of nations show up again and again at the top and the bottom of state-level figures on deadly violence, capital punishment, and promotion of gun ownership.

Consider assault deaths. Kieran Healy, a Duke University sociologist, broke down the per capita, age-adjusted deadly assault rate for 2010. In the northeastern states—almost entirely dominated by Yankeedom, New Netherland, and the Midlands—just over 4 people per 100,000 died in assaults. By contrast, southern states—largely monopolized by Deep South, Tidewater, and Greater Appalachia—had a rate of more than 7 per 100,000. The three deadliest states—Louisiana, Mississippi, and Alabama, where the rate of killings topped 10 per 100,000—were all in Deep South territory. Meanwhile, the three safest states—New Hampshire, Maine, and Minnesota, with rates of about 2 killings per 100,000—were all part of Yankeedom.

Not surprisingly, black Americans have it worse than whites. Countrywide, according to Healy, blacks die from assaults at the bewildering rate of about 20 per 100,000, while the rate for whites is less than 6. But does that mean racial differences might be skewing the homicide data for nations with larger African-American populations? Apparently not. A classic 1993 study by the social psychologist Richard Nisbett, of the University of Michigan, found that homicide rates in small predominantly white cities were three times higher in the South than in New England. Nisbett and a colleague, Andrew Reaves, went on to show that southern rural counties had white homicide rates more than four times those of counties in New England, Middle Atlantic, and Midwestern states.

Stand-your-ground laws are another dividing line between American nations. Such laws waive a citizen’s duty to try and retreat from a threatening individual before killing the person. Of the twenty-three states to pass stand-your-ground laws, only one, New Hampshire, is part of Yankeedom, and only one, Illinois, is in the Midlands. By contrast, each of the six Deep South–dominated states has passed such a law, and almost all the other states with similar laws are in the Far West or Greater Appalachia.

Comparable schisms show up in the gun control debate. In 2011, after the mass shooting of U.S. Representative Gabrielle Giffords and eighteen others in Tucson, the Pew Research Center asked Americans what was more important, protecting gun ownership or controlling it. The Yankee states of New England went for gun control by a margin of sixty-one to thirty-six, while those in the poll’s “southeast central” region—the Deep South states of Alabama and Mississippi and the Appalachian states of Tennessee and Kentucky—supported gun rights by exactly the same margin. Far Western states backed gun rights by a proportion of fifty-nine to thirty-eight.

Another revealing moment came this past April, in the wake of the Newtown school massacre, when the U.S. Senate failed to pass a bill to close loopholes in federal background checks for would-be gun owners. In the six states dominated by Deep South, the vote was twelve to two against the measure, and most of the Far West and Appalachia followed suit. But Yankee New England voted eleven to one in favor, and the dissenting vote, from Kelly Ayotte of New Hampshire, was so unpopular in her home state that it caused an immediate dip in her approval rating.

The pattern for capital punishment laws is equally stark. The states dominated by Deep South, Greater Appalachia, Tidewater, and the Far West have had a virtual monopoly on capital punishment. They account for more than ninety-five percent of the 1,343 executions in the United States since 1976. In the same period, the twelve states definitively controlled by Yankeedom and New Netherland—states that account for almost a quarter of the U.S. population—have executed just one person.

Why is violence—state-sponsored and otherwise—so much more prevalent in some American nations than in others? It all goes back to who settled those regions and where they came from. Nisbett, the social psychologist, noted that regions initially “settled by sober Puritans, Quakers, and Dutch farmer-artisans”—that is, Yankeedom, the Midlands, and New Netherland—were organized around a yeoman agricultural economy that rewarded “quiet, cooperative citizenship, with each individual being capable of uniting for the common good.” The South—and by this he meant the nations I call Tidewater and Deep South—was settled by “swashbuckling Cavaliers of noble or landed gentry status, who took their values . . . from the knightly, medieval standards of manly honor and virtue.”

Continuing to treat the South as a single entity, Nisbett argued that the violent streak in the culture the Cavaliers established was intensified by the “major subsequent wave of immigration . . . from the borderlands of Scotland and Ireland.” These immigrants, who populated what I call Greater Appalachia, came from “an economy based on herding,” which, as anthropologists have shown, predisposes people to belligerent stances because the animals on which their wealth depends are so vulnerable to theft. Drawing on the work of the historian David Hackett Fisher, Nisbett maintained that “southern” violence stems partly from a “culture-of-honor tradition,” in which males are raised to create reputations for ferocity—as a deterrent to rustling—rather than relying on official legal intervention.

More recently, researchers have begun to probe beyond state boundaries to distinguish among different cultural streams. Robert Baller of the University of Iowa and two colleagues looked at late-twentieth-century white male “argument-related” homicide rates, comparing those in counties that, in 1850, were dominated by Scots-Irish settlers with those in other parts of the “Old South.” In other words, they teased out the rates at which white men killed each other in feuds and compared those for Greater Appalachia with those for Deep South and Tidewater. The result: Appalachian areas had significantly higher homicide rates than their lowland neighbors—“findings [that] are supportive of theoretical claims about the role of herding as the ecological underpinning of a code of honor.”

Another researcher, Pauline Grosjean, an economist at Australia’s University of New South Wales, found strong statistical relationships between the presence of Scots-Irish settlers in the 1790 census and contemporary homicide rates, but only in “southern” areas “where the institutional environment was weak”—which is the case in almost the entirety of Greater Appalachia. She further noted that in areas where Scots-Irish were dominant, settlers of other ethnic origins—Dutch, French, and German—were also more violent, suggesting that they had acculturated to Appalachian norms.

But it’s not just herding that promoted a culture of violence. Scholars have long recognized that cultures organized around slavery rely on violence to control, punish, and terrorize—which no doubt helps explain the erstwhile prevalence of lynching deaths in Deep South and Tidewater. But it is also significant that both these nations, along with Greater Appalachia, follow religious traditions that sanction eye-for-an-eye justice, and adhere to secular codes that emphasize personal honor and shun governmental authority. As a result, their members have fewer qualms about rushing to lethal judgments.

The code of Yankeedom could not have been more different. Its founders promoted self-doubt and self-restraint, and their Unitarian and Congregational spiritual descendants believed vengeance would not receive the approval of an all-knowing God. This nation was the center of the nineteenth-century death penalty reform movement, which began eliminating capital punishment for burglary, robbery, sodomy, and other nonlethal crimes. None of the states controlled by Yankeedom or New Netherland retain the death penalty today, with the exception of New Hampshire, where the penalty is rarely imposed (the last execution took place in 1939).

With such sharp regional differences, the idea that the United States would ever reach consensus on any issue having to do with violence seems far-fetched. The cultural gulf between Appalachia and Yankeedom, Deep South and New Netherland is simply too large. But it’s conceivable that some new alliance could form to tip the balance.

Among the eleven regional cultures, there are two superpowers, nations with the identity, mission, and numbers to shape continental debate: Yankeedom and Deep South. For more than two hundred years, they’ve fought for control of the federal government and, in a sense, the nation’s soul. Over the decades, Deep South has become strongly allied with Greater Appalachia and Tidewater, and more tenuously with the Far West. Their combined agenda—to slash taxes, regulations, social services, and federal powers—is opposed by a Yankee-led bloc that includes New Netherland and the Left Coast. Other nations, especially the Midlands and El Norte, often hold the swing vote, whether in a presidential election or a congressional battle over health care reform. Those swing nations stand to play a decisive role on violence-related issues as well.

For now, the country will remain split on how best to make its citizens safer, with Deep South and its allies bent on deterrence through armament and the threat of capital punishment, and Yankeedom and its allies determined to bring peace through constraints such as gun control. The deadlock will persist until one of these camps modifies its message and policy platform to draw in the swing nations. Only then can that camp seize full control over the levers of federal power—the White House, the House, and a filibuster-proof Senate majority—to force its will on the opposing nations. Until then, expect continuing frustration and division.

Colin Woodard, A91, is the author of American Nations: A History of the Eleven Rival Regional Cultures of North America. An earlier book, The Republic of Pirates, is the basis of the forthcoming NBC drama Crossbones. He is currently state and national affairs writer at the Portland Press Herald and Maine Sunday Telegram, where he won a George Polk Award this year for his investigative reporting.



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Friday, April 29, 2016

Donald Trump Reveals The Struggles That Kept His Faith In Jesus Strong

Donald Trump Reveals The Struggles That Kept His Faith In Jesus Strong


http://qpolitical.com/donald-trump-reveals-the-struggles-that-kept-his-faith-in-jesus-strong/

Four Daily Habits That Will Make You Happier

Four Daily Habits That Will Make You Happier

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Do great work, you'll get a promotion and then you'll be happy. This is the mainstream formula for happiness.

We're taught that working hard will lead to a great success and finally result in happiness. But happiness experts say our formula is wrong. They argue being happy first is what causes us to do great work and have great successes. A Harvard Business Review analysis of hundreds of happiness studies showed happy workers were 31% more productive, had 37% higher sales, and were three times more creative. But how can we achieve this happy state of mind? Neil Pasricha, the author of the bestselling book The Book of Awesome has now penned a second book called The Happiness Equation which outlines the steps to happiness. Pasricha argues all we need is 20 minutes a day to perform one of four happiness habits:

Take Three Brisk Walks A Week.

We know physical activity can impact our mood, but Pasricha points out a study by Pennsylvania State researchers who discovered three 20-minute walks per week caused people to outperform on a happiness scale people who were taking anti-depressants and people who were walking and taking anti-depressants, showing that exercise alone can impact your happiness.

Replay Your day.

Pasricha calls this the 20-minute replay. "If at the end of the day you journal for 20 minutes about one positive experience that happened to you during the day, you'll be happier," he says. The reason journaling about a positive experience can make you happier, he says, is that by journaling you get a tripling effect of the positive experience. First, you have the positive experience. Then, in writing about it, you re-live it. If you read what you wrote, you re-live it again, giving you three positive moments from one experience.

This works for weekly recaps too. At the end of the week, write down five things you were grateful for. Looking at the silver lining simply makes you feel better about the things that maybe didn't go your way.

Do Five Random Acts.

Committing yourself to performing five random acts of kindness over the course of a week, Pasricha says, has a greater impact on your happiness than exercise. These random acts of kindness can be as simple as holding open the door for someone or paying for someone's coffee. The reason these acts of kindness make us happy is because they cause us to feel good about ourselves. "If I hold a door open for you, I feel good, I feel proud of who I am and that fills me up with happiness," says Pasricha.

Meditate.

"If you close your eyes and do silent deep breathing, you increase the activity in the prefrontal cortex of your brain; the area responsible for focus and attention," says Pasricha. Meditating for only 20 minutes a day means you're less likely to be affected by distractions, allowing you to be more productive during the rest of your day. If you have trouble closing your eyes and sitting in silence, try using a guided meditation app. Pasricha uses a free app called Headspace for his meditation practices.

This article was written by Lisa Evans from Co. Labs and was legally licensed through the NewsCred publisher network.

     To make sure your next step is the right step, go to Lifemap



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Wednesday, April 27, 2016

A Flash of Light Occurs at Moment of Conception

A Flash of Light Occurs at Moment of Conception

Scientists have discovered that a "breathtaking" flash of light occurs at the moment of conception.

For the first time, researchers from Northwestern University have now demonstrated that when a human sperm first meets an egg a bright zinc spark can be seen, not only a "remarkable" phenomenon but also one that might be a game-changer for in vitro fertilization. 

"It was remarkable," said the study's co-author Professor Teresa Woodruff. "We discovered the zinc spark just five years ago in the mouse, and to see the zinc radiate out in a burst from each human egg was breathtaking. All of biology starts at the time of fertilization, yet we know next to nothing about the events that occur in the human."

The researchers say that the size of the flash of light provides valuable information about the health of the eggs. The brighter the flash, the more viable the egg, and thus the better option for in vitro fertilization, which has a high failure rate (around 50%) and often involves clinicians using imprecise means of testing or simply choosing whichever eggs they think appear to be most viable.  

"This means if you can look at the zinc spark at the time of fertilization, you will know immediately which eggs are the good ones to transfer in in vitro fertilization," explained Woodruff. "It's a way of sorting egg quality in a way we’ve never been able to assess before."

"This is an important discovery because it may give us a non-invasive and easily visible way to assess the health of an egg and eventually an embryo before implantation," said co-author Dr Eve Feinberg. "There are no tools currently available that tell us if it’s a good quality egg. Often we don’t know whether the egg or embryo is truly viable until we see if a pregnancy ensues. That’s the reason this is so transformative. If we have the ability up front to see what is a good egg and what’s not, it will help us know which embryo to transfer, avoid a lot of heartache and achieve pregnancy much more quickly."

Below is a frame-by-frame showing the flash of light when the sperm first enters the egg: 

Read Northwestern's full report on the study here



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Tuesday, April 26, 2016

20 Quotes From Children’s Books Every Adult Should Know

20 Quotes From Children’s Books Every Adult Should Know

Posted on July 7, 2014
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It’s interesting how some of life’s greatest lessons can be found in children’s literature. And chances are that we did not realize this back when we were kids. Sometimes it’s only when we’re older that we learn to fully appreciate and understand the poignant words from our childhood entertainment. 

Here’s some of the best quotes from books we used to read.

1. A.A. Milne, Winnie the Pooh

2. Dr Seuss, Horton Hears a Who

3. Aesop, The Lion and the Mouse

4. A.A. Milne, Winnie the Pooh

5. Roald Dahl, The Twits

6. Dr. Seuss, Oh the Places You’ll Go

7. Shel Silverstein, A Light in the Attic

8. Antoine de Saint-Exupery, The Little Prince

9. L. Frank Braum, The Wonderful Wizard of Oz

10. A.A. Milne, Winnie the Pooh

11. E.B. White, Charlotte’s Web

12. J.K. Rowling, Harry Potter and the Goblet of Fire 

13. J.M. Barrie, Peter Pan

14. Shel Silverstein

15. Roald Dahl, The Minpins

16. Dr. Seuss, The Lorax

17. P.L. Travers, Mary Poppins

18. Frank Baum, The Wonderful Wizard of Oz 

19. Lewis Carroll, Alice’s Adventures in Wonderland

20. A.A. Milne, Winnie the Pooh

Share the wisdom with your friends, everyone loves a good quote.



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Finance Is So Profitable Because People Are So Financially Incompetent

Finance Is So Profitable Because People Are So Financially Incompetent

Photo credit: AP

Berkeley economist Brad DeLong observed last month that the U.S. finance industry has doubled in size over the past forty years while also claiming we have little positive (and much negative) to show for it. After Kevin Drum pondered why competition has done so little to shrink profit margins in what seems an easy-to-enter industry, finance professor and columnist Noah Smith gave a (by his own words) partial answer for the stubborn profitability of the finance sector: consumer ignorance and the enormous growth in demand for borrowing. I generally agree with these answers and below push a little farther by suggesting that it is the financial illiteracy and desperation of most Americans that have allowed financial service companies to escape the trend of the last few decades towards disintermediation.

While economists are still debating why information technology seems to be falling short of delivering the short of productivity growth long predicted to be a soon-to-arrive benefit of all the investment in computing hardware and software, one place it has clearly delivered efficiency gains is in cutting out middlemen. This disintermediation has given us the ability to buy direct from manufacturers over the internet and even created new verbs as we Google our way to lower search costs and Uber our way to lower transportation costs. 

Disintermediation certainly worked its magic on stock trading where online brokers aggressively discounted trading commissions, greatly lowering the profitability of that financial service. There is some progress along similar lines going on with student lending and financial advising (examples here and here), but those efforts are still in the very early stages. So the question is why have we not seen more of such technology-driven margin squeezing in finance?

First, most people simply don’t understand or want to understand finance. The psychology of investing is such that denial is common, with people loath to look at their 401(k) statements when the market is down. In fact, supposed financial advisors even advise ignoring your statements so you will stick to long-term investment goals. However, not paying attention to your investments means not learning how much you are paying in fees (visible and invisible). null 

Second, people are not educated about finance. Colleges may make students take biology, history, and other classes as general education requirements, but learning anything about saving, investing, and how financial markets work is purely an option. There are plenty of books and online sites where people can learn the basics, but an amazing number of people never even try to understand how finance works. That means they don’t understand the fees they are charged, how credit card interest charges accumulate, how to construct or stick to a budget, and so many more facets of basic money management. 

According to the National Foundation for Credit Counseling’s Consumer Survey of Financial Literacy, only 40 percent of Americans have a budget and track their spending, 29 percent of adults are saving absolutely nothing for retirement, and a staggering 75 percent admit they would benefit from getting financial advice. Yet these survey numbers change little over time. In some sort of Alice in Wonderland world, we know we don’t know something important but do nothing to fix it.

Third, we are really broke and desperate to borrow money on virtually any terms (because we have no bargaining power). As Neal Garber recently wrote, 47 percent of Americans would need to borrow money or sell a possession in order to cover an unexpected $400 bill. While the average American moans about stagnant earnings and a rising cost of living, the sad reality is that most of us live beyond our means. The cost of living is rising not just because of inflation but because we have deemed the latest smartphone, HD television, and trendy clothes to be necessities. 

This is a choice. Google “living frugal” and see how many people manage a much lower cost of living (and then write guides about how we can copy them). If we followed the simple rules of spending less than we make and keeping three to six months expenses saved for emergencies, we could turn down high-fee lending offers and shop for a better deal when we wanted to borrow money. Unfortunately, we too often do not want to borrow, but rather need to borrow. That means the lender has the power and can charge us more, leading to higher profits.

Bureaucracy plays a role, too. Most workers that have a 401(k) or similar retirement plan through a job are restricted in the investment choices offered. That means they may be unable to avoid fees as easily as those with unrestricted funds can by just purchasing a low-cost index fund. Employers are notorious for selecting non-optimal fund managers that cost their employees in fees that translate over the years into a significant loss of wealth. Government financial regulations, especially post-2008 have also been driving up costs and perhaps even creating barriers to entry.

The increasing globalization and the growth in the size of the finance industry should have led to economies of scale that lowered profit margins over time. Information technology should be ideally suited to driving down costs in financial services where so many decisions are driven almost entirely by easily quantified data points. Yet thanks to our financial incompetence, financial services providers are continuing to earn outsized profits. When enough Americans take control of their finances and manage their financial lives more responsibly, we will suddenly see better offers with lower fees. null 

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Friday, April 22, 2016

Will Your Child be Rich or Poor? 15 Poverty Habits Parents Teach Their Children

Will Your Child be Rich or Poor? 15 Poverty Habits Parents Teach Their Children

Tom Corley boats - cropWhen I travel the country speaking to high school and college students about exactly what they need to do to become financially successful in life I always begin my presentation by asking three questions:

“How many want to be financially successful in life?”

“How many think they will be financially successful in life?”

Almost every time I ask the first two questions every hand rises in the air. Then I ask the magic third question:

“How many have taken a course in school on how to be financially successful in life?”

Not one hand rises in the air, ever. Clearly every student wants to be successful and thinks they will be successful but none have been taught by their parents or their school system how to be financially successful in life. Not only are there no courses on basic financial success principles but there are no structured courses teaching basic financial literacy. We are raising our children to be financially illiterate and to fail in life. Is it any wonder that most Americans live paycheck to paycheck? That most Americans accumulate more debt than assets?  That many Americans lose their homes when they lose their job? Is it any wonder that most Americans cannot afford college for their children and that student loan debt is now the largest type of consumer debt?  

What’s worse is what our children are being taught by their parents, the school system, politicians and the media. They are teaching our children that the wealthy are corrupt, greedy, have too much wealth and that this wealth needs to be redistributed. What kind of a message do you think that sends to America’s future generation? It is teaching them that seeking financial success by pursuing the American Dreams is a bad thing. The Occupy Wall Street movement was a manifestation of this “wealth is bad and needs to be redistributed “mindset. . 

Here are some statistics from my five-year study on the daily habits that separate the wealthy from the poor?

  1. 72% of the wealthy know their credit score vs. 5% of the poor
  2. 6% of the wealthy play the lottery vs. 77% of the poor
  3. 80% of the wealthy are focused on at least one goal vs. 12% of the poor
  4. 62% of the wealthy floss their teeth every day vs. 16% of the poor
  5. 21% of the wealthy are overweight by 30 pounds or more vs. 66% of the poor
  6. 63% of the wealthy spend less than 1 hour per day on recreational Internet use vs. 26% of the poor
  7. 83% of the wealthy attend/attended back to school night for their kids vs. 13% of the poor
  8. 29% of the wealthy had one or more children who made the honor roll vs. 4% of the poor
  9. 63% of wealthy listen to audio books during their commute vs. 5% of the poor
  10. 67% of the wealthy watch 1 hour or less of T.V. per day vs 23% of the poor
  11. 9% of the wealthy watch reality T.V. shows vs. 78% of the poor
  12. 73% of the wealthy were taught the 80/20 rule vs. 5% of the poor (live off 80% save 20%)
  13. 79% of the wealthy network 5 hours or more per month vs. 16% of the poor
  14. 8% of the wealthy believe wealth comes from random good luck vs. 79% of the poor
  15. 79% of the wealthy believe they are responsible for their financial condition vs. 18% of the poor

The fact is the poor are poor because they have too many Poverty Habits and too few Rich Habits. Poor parents teach their children the Poverty Habits and wealthy parents teach their children the Rich Habits. We don’t have a wealth gap in this country we have a parent gap. We don’t have income inequality, we have parent inequality. 

Parents and our schools need to work together to instill good daily success habits as follows:

  • Limit T.V., social media and cell phone use to no more than one hour a day.
  • Require that children to read one to two educational books a month.
  • Require children to aerobically exercise 20 – 30 minutes a day.
  • Limit junk food to no more than 300 calories a day.
  • Require that children set monthly, annual and 5-year goals.
  • Require working age children to work or volunteer at least ten hours a week.
  • Require that children save at least 25% of their earnings or gifts they receive.
  • Teach children the importance of relationship building by requiring them to call friends, family, teachers, coaches etc. on their birthdays and to send thank you cards for gifts or help they received from anyone.
  • Reassure children that mistakes are good not bad. Children need to understand that the very foundation of success in life is built on learning from our mistakes. 
  • Punish children when they lose their tempers so they understand the importance of controlling this very costly emotion.
  • Teach children that seeking financial success in life is good and is a worthwhile goal. Children need to learn what the American Dream is and that it is something to be pursued in life.
  • Children need to learn how to manage money. Open up a checking account or savings account for children and force them to use their savings to buy the things they want. They need to learn that they are not entitled to things like cell phones, computers, fashionable clothes, flat screen T.V.s etc. 
  • Require children to participate in at least two non-sports-related extracurricular activities at school or outside of school.
  • Parents and children need to set aside at least an hour a day to talk to one another. Not on Facebook, or on the cell phone, but face to face. The only quality time is quantity time
  • Teach children how to manage their time. They should be required to create daily “to do” lists and these lists need to be monitored by parents. The goal should be to accomplish at least 70% of their tasks on their daily “to do” list.

Wealthy people do certain things every single day that sets them apart from everyone else in life. Wealthy people have good daily success habits that they learned from their parents. These daily habits are the real reason for the wealth gap in our country and the real reason why the rich get richer. Unless we teach our children good daily success habits, and level the playing field, the rich will continue to get richer and the poor will continue to get poorer.

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If you want to find out if you are teaching your kids the right habits find out here: RICH HABITS TEST PARENTS

If you are interested in helping your kids, grand kids or students succeed in life check out my award winning book, Rich Kids – How to Raise Our Children to be Happy and Successful in Life.



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I Believe, Help Thou My Unbelief

http://youtu.be/sa4VJUsEL_o

I believe, help Thou my unbelief
I take the finite risk of trusting like a child
I believe, help Thou my unbelief
I walk into the unknown trusting all the while

I long so much to feel the warmth that       others seem to know
Should I never feel a thing
I claim Him even so

I believe, help Thou my unbelief
I walk into the unknown trusting all the while


Thursday, April 21, 2016

Could the wake system in your brain be causing your insomnia?

Could the wake system in your brain be causing your insomnia?

Understanding the two systems that affect your sleep

You know you have insomnia, but what does that really mean? Our understanding of how our brains regulate sleep and wake has evolved. As a result, we've gained greater insight into insomnia and what causes it.

Scientific discoveries about insomnia have shown that your brain actually has two systems. One helps you sleep; the other helps keep you awake. The wake system sends out signals that put your brain into an alert, or more active, state. This helps you wake up in the morning and stay awake during the day. The sleep system sends signals that help you fall and stay asleep at night.

When your two systems function as they should, they complement each other, taking turns being in charge and sending signals at the right times. But that's not always the case. If your wake system stays active when it's time to sleep, it's considered to be in an overactive state and insomnia may be a result.

Talk to your health care professional about your wake and sleep systems and what may be causing your insomnia.

The feeling of being trapped between wake and sleep has more science behind it than you may think. When you wake in the morning, your brain sends signals that move it into an alert, or active, state. This helps you stay awake during the day. If these signals don't slow down at night, and you stay in an alert state, your brain is believed to be in a position of overactivity. If this happens, your sleep system may not be able to take over – this may be what's causing your insomnia.

Print this page to discuss this information with your health care professional.



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School choice empowers African-American families


School choice empowers African-American families

Credit: Donna Grethen

By Virginia Ford And Robert Enlow

Angelicia Rathell knows there's no such thing as a get-out-of-jail card in life, but the Milwaukee mom credits a local school voucher program for keeping her boys on a path toward success and away from bad choices. 

"If they would have stayed in public school, they certainly would have stayed in trouble because there was so much fighting in their school," Rathell said of her two sons, Dustin and Donovan. "I think they would have had a chance of dropping out and doing stupid things. Now, one is about to go to college and the other will enroll in college next year."

The Milwaukee Parental Choice Program, a voucher first enacted in 1990 for families earning 175% of poverty level or less, enabled her sons to attend Milwaukee Lutheran High School, where discipline and academics are a deep part of the school culture. She said her children now have great aspirations, unlike many of their peers. "They are going to turn out great in life," Rathell said.

Sadly, that's not the case for far too many students of color like Dustin and Donovan. 

According to the U.S. Department of Education Office for Civil Rights, black students represent 16% of student enrollment, but 27% of students referred to law enforcement and 31% of students subjected to a school-related arrest. The U.S. Bureau of Justice Statistics has reported that the incarceration rate for African-Americans is six times as high as the national average, and in 2010 nearly a third of black male high school dropouts aged 25 to 29 were imprisoned or otherwise institutionalized.

These dramatic numbers are a reality despite the fact that the United States spends billions each year on social and school programs designed to help low-income, minority families break the cycle of poverty and crime.

Fortunately, there now exists evidence that educational choice — like the Milwaukee program that empowered Rathell's sons and similar state and local programs across America — may be an easier and more affordable solution than many of these federally administered programs.

According to new research, exposure to private school through parental choice lowers the rates of crime among low-income African-Americans as young adults.

Corey DeAngelis and Patrick J. Wolf of the University of Arkansas just released a report that examines Milwaukee's Parental Choice Program and found that those students who used it through high school had a 5% to 7% decrease in misdemeanors compared to their peers who attended public schools, as well as a 3% reduction in felonies. Among all crimes, the drop ranged between 5% and 12%. The longer students stayed in private school with the voucher, the less likely they were to become involved in criminal activity.

Currently, Milwaukee's voucher program supports 27,000 students who attend 110 private schools. 

Research has shown that other forms of school choice also have had positive effects on minority students. A 2011 study, for example, found that high-risk students who won a charter school lottery in Charlotte-Mecklenberg County in North Carolina had a significantly decreased risk of committing a crime. 

We know from our own research that parents across America, particularly those in urban areas, are clamoring for access to charter schools, private schools and other school choice options. They tell us they don't just want their child to get a better education in a better academic environment; they want their children to be in safer schools that emphasize discipline. Some of them are even willing to risk going to jail for lying about their address to get their kids a seat in a better school. 

Without access to a quality education, these students are likely to fall behind and may wind up as expensive statistics in our criminal justice system. Educational choice lowers that risk by empowering families to send their children to schools that meet their needs. 

For low-income families across our nation, the American dream doesn't look like a Norman Rockwell painting. Rather, it's the opportunity to succeed, to break down barriers and to move forward. The best way to accelerate that trajectory is ensuring students are well-educated. 

As Rathell of Milwaukee said of her two sons: "They have a great future."

That's what we all should want for our students, and we should empower more families with the options to help them get there. 

Virginia Ford, who serves on the D.C. Advisory Committee of the U.S. Civil Rights Commission, is a board member of the Friedman Foundation for Educational Choice. Robert Enlow is president and CEO of the Friedman Foundation for Educational Choice.




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