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 

Please follow me on Twitter @DorfmanJeffrey



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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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