Wednesday, November 25, 2015

what if someone from 50 years ago woke up in 2015?

What if someone from 1965 walked into 2015? What would they notice?

some amazing inventions
A 3x5 telephone with more power than a Univac, that you can take anywhere. It speaks to you; read any book on it; watch a television show or motion pictures.

Toilets that flush themselves, the greatest invention with a nod to my germophobe pals.

some unnecessary indulgements
Mash up of donut/croissant to give us a cronut.
Everyone drinking water from plastic bottles more expensive than gasoline.


some things are just wrong
All day breakfast at McDonalds.

Hamburgers for breakfast at Burger King.




And one thing hasn't changed yet

There still is no cure for the common cold.



Wednesday, November 4, 2015

Lighten Up! Don't let Seasonal Affective Disorder make you SAD.

Seasonal affective disorder (SAD),  (aka: winter depression, winter blues, summer depression, summertime sadness, or seasonal depression), is a mood disorder subset in which people who have normal mental health throughout most of the year experience depressive symptoms in the winter or summer.

In 1984, a paper defining Seasonal Affective Disorder (SAD) described bright artificial light as a treatment for winter depression. Experts hypothesized that lengthening the daily photoperiod (ie: simulate a summer day in the northern hemisphere) would lead to remission of symptoms.
Expose yourself to light, every day for about 45 minutes, before 8 AM.  Light affects the part of your brain that controls your body’s internal clock. It could take a few weeks before the light kicks in and helps your mood and it doesn't work for everyone. Seasonal Affective Disorder starts to fade off in April or May.


White light of all your electronic devices signal your brain to produce energy, not ideal just before bedtime.  A few cool, new light gadgets are being developed:

First there's ARIO, with their self-described, "world's first healthy connected lamp," which changes light color and direction as the day progresses.   In the morning it shines bright, energizing blue-rich light and as the sun sets, the light color changes to a melatonin producting relaxing amber, supposedly to help you sleep. The light mimics movement and casts up in the morning and down in the evening. Ario developed this using research from Harvard Medical School, NASA, and the National Institute of Health.

Then there's C by GE.  A smart LED light bulb which claims to adjust your circadian rhythm and help with sleep.  Their line is, "bulbs that go together like day and night, and make it simple to get light that always feels good."

There are numerous light therapy products on the market and a quick Amazon search will turn up several options.   They range from crazy looking light boxes to bulbs that turn and change color linked via WiFi.  Do your own searches and decide what's right for you http://amzn.to/1GLzJhB



Tuesday, October 20, 2015

Wednesday, September 23, 2015

The Endangered Traditional Deli in Manhattan

People that don't live in or around NYC think I'm nuts when I say it's hard to find a decent deli to sit down and have a pastrami sandwich with a few pickles in Manhattan. Well at least one person at The Gothamist shares my feeling that the deli is dying cuisine. The Gothamist article notes that a deli lost its meaning, and there aren't event 20 left in the city:
Sadly, the word deli has lost its meaning. Today, deli and bodegas are synonymous. You can get sandwiches, sure, but also Advil, detergent, multiple varieties of soy milk, and an e-cig. Once upon time, a deli, or delicatessen, was a restaurant with large booths, huge menus, celebrity photos on the walls, and the smell of pickle brine in the air. In a city that was once littered with real Jewish delis, too many have been lost to time and we are now down to fewer than 20. Lift your can of Dr. Brown's to the remaining few and look at our picks for the best of a dying breed.


Tuesday, August 4, 2015

How to survive a Rip Tide


A rip current, commonly referred to simply as a rip, or by the misnomer "rip tide", is one specific kind of water current that can be found near beaches. It is a strong, localized, and rather narrow current of water. It is strongest near the surface of the water, and it moves directly away from the shore, cutting through the lines of breaking waves.

Rip currents can occur at any beach where there are breaking waves: on oceans, seas, and large lakes. The location of rip currents can be unpredictable: while some tend to reoccur always in the same place, others can appear and disappear suddenly at various locations near the beach

If you get caught in a rip current, don't panic, learn what to do.

If you are suddenly being pulled away from shore by a powerful rip current, what should you do? Historic advice was to swim parallel to the shore in order to get outside the current. Extensive study of these currents now indicate your odds are better if you stay still and tread water.

If you swim parallel to the shore, you have a 50% chance of swimming into a stronger current. Tread water and your chances of going back to shore within about three minutes is at 90%.

Rip currents are often not always easily identifiable to beach goers. A few things to look for:

  • A channel of churning, choppy water;
  • 
A line of sea foam, seaweed, or debris moving steadily seaward;

  • Different colored water beyond the surf zone; and
 A break in the incoming wave pattern as waves roll into shore.
None, one, or several of these may be visible and indicate the location of rip currents.

Is it an undertow, rip current or rip tide?

Undertow: After a wave breaks and runs up the beach, most of the water flows seaward. This backwash of water can trip waders, move them seaward, and make them susceptible to immersion from the next incoming wave.

Rip current: A relatively small-scale surf-zone current moving away from the beach. Rip currents form as waves disperse along the beach causing water to become trapped between the beach and a sandbar or other underwater feature. The water converges into a narrow, river-like channel moving away from the shore at high speed.

Rip tide: Often incorrectly used as the term for rip current, it’s a distinctly separate type of current that includes both ebb and flood tidal currents that are caused by egress and ingress of the tide through inlets and the mouths of estuaries and harbors.

Stay clear of man-made structures like piers, jetties, and breakwaters; as rips and dangerous currents are strongest around these. Waves normally break in long even lines over sandbars but will not break evenly next to a jetty.


If you are caught up in a rip and there are surfers or lifeguards around, tread water shout for help and raise your right arm as high as you can. This is the signal that you need help. (Raising your left arm signals that someone near you needs help.) You won't get swept out to sea, rips usually dissipate within 100 yards of the beach.

Source: the National Oceanic and Atmospheric Administration (NOAA).

READ MORE:

Rip Currents: Beach Safety, Physical Oceanography, and Wave Modeling: The culmination of research from over 100 coastal scientists, engineers, forecast meteorologists, lifeguard chiefs, and other practitioners from around the world who participated in the 1st International Rip Current Symposium. These experts identify advancements in research that will lead to a better understanding of the dynamics, mechanisms, and predictability of these dangerous currents, and lower the number of rip current drownings.


Tuesday, June 23, 2015

Invest Wisely. Save for Retirement. Tips to Build Up Savings

In finance, a portfolio is a collection of investments held by an investment company, hedge fund, financial institution or individual.


There are many types of portfolios including the market portfolio and the zero-investment portfolio. A portfolio's asset allocation may be managed utilizing any of the following investment approaches and principles: equal weighting, capitalization-weighting, price-weighting, risk parity, the capital asset pricing model, arbitrage pricing theory, the Jensen Index, the Treynor ratio, the Sharpe diagonal (or index) model, the value at risk model, modern portfolio theory and others.
I'll tell you why I like the cigarette business. … It costs a penny to make. Sell it for a dollar. It's addictive. And there's fantastic brand loyalty. - Warren Buffett
There are several methods for calculating portfolio returns and performance. One traditional method is using quarterly or monthly money-weighted returns, however the true time-weighted method is a method preferred by many investors in financial markets. There are also several models for measuring the performance attribution of a portfolio's returns when compared to an index or benchmark, partly viewed as investment strategy. On freelancing websites Portfolio is considered as the past work which you had done or past shares which you have in any company.

Investing for retirement? There are many options, and here are the top three options:

Retirement accounts that is offered by your employer, such as a 401(k) or 403(b) plan. These plans are great deals because the money will grow tax-free until you withdraw it in retirement.

Tax-advantaged retirement accounts such as an IRA. Similar to a 401(k).
Regular investment account without any tax advantages.

If you are getting close to retiring, or are recently retired, now is the time to think about developing a strategy that seeks to generate income from your retirement portfolio. Make sure your asset allocation still meets your needs and risk tolerance and create a strategy to help meet your retirement income needs.

Where should you invest? That's the million dollar question, and many books claim to have an answer. The 3 main asset claasses are stocks, bonds and cash. Your retirement accounts should probably contain a mix of stocks and bonds, some cash too.



Calculators & Tools

Fidelity Planning & Guidance Center

Dave Ramsey Investment and Retirement Calculator

Bankrate Investment Calculator

Vanguard Tools and calculators

Helpful Links

CNBC's Warren Buffett Watch
Berkshire Hathaway Portfolio Tracker

Top ranking Financial Advisors and RIAs
This publication presents the lists of top financial advisors, Registered Investment Advisors (RIAs), and wealth management firms across the U.S. and U.K. that have been reviewed and rated in 2017.

Remember the most important rule of investing is, "Never Make an Investment if You Couldn't Afford a Total Loss."




Tuesday, January 27, 2015