ALFIE EVANSIN ISÄ SOIMAA TUOMARIA, JOKA PÄÄTTI AIVOVAURIOITUNEEN POJAN HENGITYSKONEEN SAMMUTTAMISESTA JA VANNOO ‘JATKAVANSA TAISTELUA’



Source

Vakavasti sairaan lapsen isä on haukkunut tuomaria, joka päätti pojan hengityskoneen sammuttamisesta ja sanoi: ‘Hänet on tuomittu kuolemaan.’

Tom Evans, 21, piti tunteellisen puheen tuomioistuimen ulkopuolella, kun tuomari ‘vastahakoisesti’ päätti, että 21 kuukautta vanhalla Alfie Evansilla on oikeus kuolla ‘arvokkuudella’.

Hän osallistui korkeimman oikeuden kuulemiseen Alfien äidin, 20-vuotiaan Kate Jamesin kanssa ja pari murtui kyyneliin päätöksen jälkeen.

Hra Evans vannoi jatkavansa taistelua poikansa elämän puolesta sen jälkeen, kun ammattilaiset Alder Hey -lastensairaalassa Liverpoolissa pyysivät tuomarilta lupaa lopettaa nuoren pojan hengityskoneen käyttö.

Hän sanoi: ‘Poikani on tuomittu kuolemaan. Järjestelmä on toiminut meitä vastaan.

‘En itke heidän vääryyksiensä takia, tiedän poikani olevan vahvoilla. Hän on vahva, hänellä on mukava olla.

‘Tämä ei päädy tähän. Se alkaa tästä. Aion hajottaa NHS -järjestelmän. En anna periksi, poikani ei anna periksi.

‘Kukaan, ja toistan, kukaan tässä maassa ei vie poikaani minulta. He loukkaavat hänen oikeuksia ja he loukkaavat minun oikeuksia.’

Lääkärit ovat kertoneet, että hoidon jatkaminen olisi pojalle ‘julmaa, epäreilua ja epäinhimillistä’ – mutta hänen vanhempansa ovat eri mieltä.

For additional information, please sign up for our weekly newsletter.

Your Name (required)

Your Email (required)



Top 10 Foods to Avoid



You hear plenty about the foods you should eat, but it’s just as important to know the foods to avoid. Certain foods come with a high price to your health and, unless it’s a special occasion, aren’t worth the risks. Eliminate the bad foods from your diet and then look for alternatives so you can spare your health without putting a damper on your diet.

1. Soft Drinks

Consuming soft drinks makes you more vulnerable to heart disease, Type 2 diabetes, obesity and obesity-related diseases. Drinking just one can of soda each day could increase your risk of dying from a heart attack by 20 percent, according to Harvard School of Public Health. Plain water or water with lemon juice is a healthier choice.

2. Pre-Made Icing

The cookie and cake icing that comes in tubs is loaded with sugar, and many brands contain dangerous trans fats. Consuming trans fats increases your risk of Type 2 diabetes, heart disease and stroke by raising your LDL cholesterol levels. Make your own frosting from more healthy ingredients such as low-fat cream cheese and honey.

3. Kids’ Cereal

A cup of kids’ cereal can have more sugar in it than three chocolate chip cookies, reports the Environmental Working Group. Instead of sugary cereals, opt for wheat bran, oatmeal or another unsweetened cereal and then add chopped fruit for flavor.

4. Stick Margarine

Though it’s often touted as a better alternative to butter, stick margarine is actually detrimental to your health. According to the American Heart Association, stick margarine is often high in disease-causing trans fats. Extra virgin olive oil or even tub margarine — the softer variety — is a better option, as it’s mostly the trans-fat content that causes stick margarine to be to firm when cold.

5. Frosted Donuts

Most donuts, particularly the frosted ones, are bad for both your health and your figure. A single doughnut can contain trans fats, loads of sugar and refined flour, as well as between 10 and 20 grams of fat. Eat fruit, whole-grain toast with honey or whole-wheat bagels with jam instead.

6. Instant Noodles

A serving of instant noodles might look tasty, but it’s high in sodium and carbohydrates without many vitamins or minerals. Instant noodles typically contain flavor enhancers, artificial dyes, preservatives, emulsifiers and other artificial ingredients, too. Consuming too much sodium can increase your risk of heart disease, stroke, kidney damage and other health problems. Buy whole-wheat noodles and make homemade soup instead.

7. Potato Chips

In addition to being high in fat and sodium, many potato chips contain cancer-causing carcinogens from high baking and frying temperatures. Replace potato chips with dehydrated vegetable chips so you don’t have to give up crunchy treats.

8. Shortening

The AHA warns that shortening typically contains disease-causing trans fats. Buying vegetable shortening doesn’t eliminate the risks; it’s best for your health to use olive oil or another fat in lieu of shortening.

9. Frozen Dinners

Most frozen dinners contain more than half of the daily value for sodium, and that’s just part of the problem with prepackaged meals. Frozen dinners are typically loaded with artificial ingredients and lack vitamins and minerals that your body needs. Take the extra 20 minutes and make dinner from scratch.

10. Processed Meats

Eating sausage, deli meat, bacon and other processed meats could increase your risk for heart disease by more than 40 percent and your risk for Type 2 diabetes by nearly 20 percent, according to Harvard School of Public Health. Their high sodium and preservative content is partially to blame for the health concerns. Skip the processed meat and opt for fish, a cut of lean red meat or poultry to improve your diet.

For additional information, please sign up for our weekly newsletter.

Your Name (required)

Your Email (required)



Инструкции от эксперта по восстановлению нормальной жизни после измены партнера



Вы можете простить обманувшего партнера в нескольких ситуациях. Тем не менее, чтобы начать жить дальше, вам нужно признать, что вам могут понадобиться изменения, а еще критически важно принять тот факт, что прошлые отношения умерли.

 

Когда вы любите кого-то, вам кажется, что вы в приятном, безопасном, оберегаемом пузыре, в который никто не может проникнуть.

Внезапно, благодаря признанию или открытию, это воздушный пузырь лопается. Он не просто лопается, это еще и причиняет боль.

Лишь немногие пары могут справиться с последствиями измены, если оба партнера хотят сохранить отношения, несмотря на все беды, а тот, кто изменил, делает все, что в его/ее силах, чтобы вернуть любовь и доверие второй половины.

Это помогает решить проблемы и помогает преодолеть несчастья.

1. Стоят ли ваши отношения того, чтобы дать им еще один шанс?

Некоторых изменников нельзя прощать. Найдите свои собственные ответы на эти очень важные вопросы.

Этот человек уже обманывал других людей?

В случае, если этот человек в прошлом уже известен тем, что неоднократно изменял, то он будет повторять это снова и снова, пока кто-то – при идеальном раскладе это вы – не бросит его с особой жестокостью. Может, тогда такие люди поймут, что такие вещи не остаются безнаказанными. Никаких вторых шансов в такой ситуации. Ни за что.

По какой причине это произошло?

Нетипичное для человека поведение вкупе с абсолютно искренней мотивацией прояснить, что это возможная мера, требует меньше, чем прощение повторяющегося недостойного поведения или многолетнего обмана.

Попробуйте встать на место этого человека: если бы вы оказались в его обстоятельствах, с его ощущениями, что бы вы сделали? Смогли бы вы понять его?

Как думаете, что он сделает, если снова окажется в похожей ситуации?

Какие гарантии он может вам дать, что это больше не повторится?

Какими были ваши отношения, когда это произошло?

Нас ляжет более серьезная ответственность найти в себе силы простить, если вы знали, что ваш партнер в расстроенных чувствах, что отношения не искрили, а вы чувствовали, что происходит неладное.

Если вы находились в чрезмерно радостном состоянии и не замечали ни одного признака того, что что-то идет не так, то снова поверить будет очень нелегко.

Зная, что в предыдущей ситуации не было ни единой зацепки, насколько вы сможете быть уверенными, не произойдет ли это снова?

Раскаивается ли человек в содеянном?

Он должен чувствовать себя гораздо более безнадежно и плохо из-за мучений, к которым привела эта ситуация, чем вы.

2. Дайте своему партнеру больше пространства

Вашей первой реакцией станет необходимость быть поближе к нему и не выпускать его из вида.

Не надо этого делать.

Сейчас вы должны построить ситуацию на двух принципах: вы настроены серьезно, что поведение партнера неадекватно и что вы обладаете выдержкой.

Если вы не живете вместе, скажите, что вы бы предпочли некоторое время не встречаться. Запишите в дневник каждое чувство и мысли и проанализируйте все вопросы, на которые вам нужно получить ответы к концу периода этого небольшого «расставания» с партнером.

3. Встреча

Это не время для поцелуев и прихорашиваний. Это встреча для того, чтобы понять, есть ли необходимость в продолжении.

Предупредите своего партнера о том, что у вас будут вопросы, на которые вам нужны ответы. На случай, если человек не сможет предоставить на них ответы, пересмотрите их. А затем начните расспрашивать.

Это будет чрезвычайно сложно, но крайне необходимо сделать, чтобы найти честные ответы на то, что вы хотите узнать.

Получив ответы, спросите себя, чувствуете ли вы уверенными, что сможете преодолеть все проблемы в отношениях?

4. Постройте новые отношения

Ваши прошлые отношения, те самые – уязвленные, мертвы. Теперь вам нужно отстроить новые.

Это, в сущности, очень непросто, но, с другой стороны, дает энергию. Просто подумайте! Вполне возможно, что все решится удивительным образом в лучшую сторону, причем с различных точек зрения!

К сожалению, честность и доверию пропадут навсегда.

Цель в том, чтобы заместить их другими качествами, на что-то типа «Мы победители – даже это не смогло нас разлучить».

Вы будете чувствовать себя неуверенно, вы будете в ярости. Поначалу вы будете ссориться из-за этого снова и снова. Это нормально.

Чтобы пережить это, вам нужно построить отношения на новых принципах. Они касаются вас обоих, однако вам нужно рассмотреть такие вопросы, как взаимное доверие, постоянство, периодическое узнавание, как дела у партнера, и это может оказаться непросто. Можно обмениваться утешающими письмами.

5. Нужно быть готовым к изменениям

Большая часть из вышесказанного касается вас – обиженной стороны.

В любом случае, несмотря на такой перекос заботы в вашу сторону, нельзя забывать и о потребностях вашего партнера.

Партнер совершил обман, так получилось.

Что он получил от другого человека, чего не мог получить от вас?

Кем он становился, когда был вместе с другим человеком?

К моменту, когда люди в паре становятся единым целым, сложно переизобрести себя заново, чтобы ваш партнер увидел вашу «новую» версию.

Какие черты делали вашего партнера счастливым рядом с другим человеком и которых нет у вас? Что это за черты?

Изучите подходы, которые дадут вашему партнеру прочувствовать все это с вами.

Последний вопрос, который мне постоянно задают: когда я смогу уже наконец расслабиться, и эти муки отпустят меня?

Вот подходящий ответ: время лечит раны, которые можно залечить.

For additional information, please sign up for our weekly newsletter.

Your Name (required)

Your Email (required)



Elon Musk says poor people will be allowed to live on Mars as well as rich folk


If you think buying a property in London is expensive, trying moving to Mars.

Currently, one of the few people rich enough to contemplate relocating to the Red Planet is SpaceX and Tesla founder Elon Musk. Tourist begs for his life before being lynched after ‘shooting dead elderly shaman’ But there’s hope for the rest of us because he’s insisted a Martian colony he’s planning to build won’t just be an ‘escape hatch for rich people’.

Speaking at SXSW, the billionaire hinted that people whose bank balance is in the red will also be allowed to live on the Red Planet.

It’s unclear whether they would actually want to do this because life on Mars is likely to be pretty rubbish at first. Musk said it would only house ‘the most elementary infrastructure’. Elon Musk’s ‘Starman’ bids farewell to Earth as SpaceX steers a Tesla Roadster towards Mars and the Asteroid Belt

‘Just a base to create propellant, a power station, blast domes in which to grow crops, all the sort of fundamentals without which you could not survive,’ he said.

So that means no nice old pubs, Greggs bakeries or any of the other things which make life semi-bearable  at first. ‘There will be an explosion of entrepreneurial opportunity because Mars will need everything from iron foundries to pizza joints to nightclubs,’ he added.

Residents could expect a fairer form of government called direct democracy in which ‘everyone votes on every issue’, Musk said. Musk hopes to send a spaceship to Mars as early as next year and build a colony to counteract the ‘risk of human extinction’, which he fears could happen at the metallic hands of a super-intelligent AI.

At SXSW, he also warned: ‘Mark my words: AI is far more dangerous than nukes… I’m very close to the cutting edge of AI and it scares the hell out of me.’

For additional information, please sign up for our weekly newsletter.

Your Name (required)

Your Email (required)



Foolish money mistakes (and how to avoid them) ~ Get Rich Slowly


At Get Rich Slowly, my goal is to help you make the best possible decisions with your income and spending. Having said that, we’re all human. We all mistakes. We all do dumb things with money. And I feel like April Fools’ Day is the perfect time to talk about some of the stupid things we’ve done in the past.

Let me give you an example (or three) from my own life.

To begin, I’ll retell a classic tale of my financial foolishness, one that has delighted my readers for over a decade. It’s all about how I paid $1500 for a “free” Frisbee.

The Not-So-Free Frisbee

Frisbee3.MeridianHill.WDC.13April2014On the first day of college, I opened my first bank account. The gym was filled with registration tables, not just for classes and clubs, but also for banks and credit cards. Since I was receiving a small stipend to cover living expenses, I needed a checking account.

The two banks vying for attention used different methods to attract students to their tables. A small local bank had a sign that promised “free checking”. A large national bank gave away a Frisbee to anyone who opened an account. The choice seemed easy: I wanted the Frisbee.

I signed up for my checking account, deposited my money, and got my free Frisbee. I spent the afternoon on the quad tossing the disc back and forth with my roommates. When it was time for dinner, I took the Frisbee up to my room, put it in the closet, and never used it again. Ever. But I had that checking account for nearly two decades.

Classes started. I forgot about the Frisbee and the checking account. The next month, I received my first bank statement. There was a $5 service charge. It didn’t seem like a big deal. I figured it was part of the package, part of being a grown-up. My parents had always paid a service charge on their checking account, and I expected I always would too.

For the rest of my college career, I paid $5 per month to maintain my checking account. When I graduated, I continued to pay $5 per month. During the 1990s, that fee increased to $8 per month, but I barely noticed.

In fact, I paid a monthly fee for checking from September 1987 until June 2004. For 202 months — nearly seventeen years — I paid for the privilege of writing checks. Then, when I started turning my financial life around, I left the major national bank and moved to a local credit union. I’ve had my checking account at that credit union for nearly fourteen years now and have never been charged a fee of any kind.

One foolish choice as I entered college cost me nearly $1500 — enough to buy about one hundred Frisbees. And that’s just one of the foolish financial choices I’ve made in my life.

The Wasted Windfall

By the mid 1990s, I had accumulated over $20,000 in credit-card debt. And I was digging the hole deeper every day.

On 21 July 1995, my father died after a long battle with cancer. Before he died, he managed to take out a very bare bones life insurance policy. (He hadn’t thought to acquire life insurance before he contracted cancer. After he got sick, nobody would insure him. Or, more precisely, one company would — but only minimally.) When the dust from his death had settled, Dad had managed to leave each of his three sons $5000 in life insurance money.

A smarter man than I was might have taken this money and applied it directly to his $20,000 in credit card debts. That’s not what I did. Instead, I put $1000 toward my debt and patted myself on the back. I took the other $4000 and bought a fancy new computer — a Macintosh Performa 640CD DOS-compatible — and lots of computer games. Then, to make matters worse, within weeks I maxed out my credit cards again, effectively negating the $1000 I had put toward debt reduction.

There’s no question: The old J.D. was foolish with money. But even after I started reading and writing about money, I still made some foolish mistakes.

True story: I still owned that Macintosh Performa 604CD DOS-compatible personal computer until last autumn. After Kim and I returned from our cross-country RV trip, my ex-wife contacted me. “You still have a bunch of computer stuff in a shed at my place,” she said. “Can you get it out of here.” One of those computers was that twenty-year-old reminder of my foolishness. I gave it (and all of the other computer stuff) to a middle-schooler I know.

The Imbecilic Investor

As I began to manage my money wisely during the mid 2000s, I made sure to fully fund my Roth IRA every year. But I hadn’t yet discovered the virtue of index funds, so I put my retirement money into individual stocks. But not just any individual stocks. I thought I was savvy enough to spot beat-up stocks that were bound to recover. Hahaha. I was wrong.

In the fall of 2007, for instance, I had dinner with a friend who worked in the corporate office of The Sharper Image, a company that manufactured fun and fancy gadgets. The company’s stock was in the toilet, but my friend said that management was certain that things would soon turn around. It was just a passing remark in a much larger conversation — he wasn’t trying to get me to buy the stock — but it planted a seed in my brain.

The next day, I had to decide how to invest $3500 of that year’s Roth IRA money. I should have done some research. I should have put the money in index funds. (I had just begun learning about index funds, but hadn’t yet become a die-hard proponent of them.) Instead, I bought $3500 of Sharper Image stock at $3.14 per share. I was gambling, plain and simple. And I lost.

Within a few months, The Sharper Image declared bankruptcy. Overnight, the value of my investment dropped from $3500 to $200 — and then to zero. It’s still worth nothing today, over a decade later. It will never be worth more than that. Yet I keep those 1115 shares in my Roth IRA just to remind me of how foolish I was.

Money Mistake: Sharper Image

Everbody’s a Fool Sometimes

It’s not just me, of course. We all make mistakes now and then. Some of them are minor, but some of them are doozies. Last year, I asked members of the Money Boss group on Facebook to share some of their biggest money mistakes. Here are a few of my favorites.

First up, Nate tells how he and his wife bought a timeshare…and wish they hadn’t:

Money Mistake: Timeshare

Then there’s Amy, who made the same mistake I see people make again and again and again: Cashing out their retirement accounts when they switch jobs.

Money Mistake: Cashing Out Retirement

Adam regrets not being more motivated when he was younger. Instead of working hard, he just goofed around. (Oh boy, can I relate to this one!)

Money Mistake: Not Working

Megan wishes she had started tracking her spending at an earlier age:

Money Mistake: Not Tracking

Richard’s biggest mistake was buying into the traditional advice that you only need to save ten or twenty percent of your income for retirement. Life many of us, he eventually realized that by saving more, he could have more:

Money Mistake: Not Saving

A lot of readers mentioned they made mistakes by marrying somebody who had different financial aims than they did. But Tyler was the only one who realized his mistake was keeping his wife in the dark:

Money Mistake: Not Sharing

I’m sure you have made money mistakes in the past too. Maybe you’re still making them — or suffering the consequences of past mistakes. Feel free to share your story in the comment section below!

Coping with Mistakes and Setbacks

As I said, even smart people make mistakes. That’s part of being human. But smart money managers do what they can to minimize the effects of mistakes before they ever occur. Here are two ways you can mitigate the damage caused by foolish choices:

  • Educate yourself. The more you know, the better choices you’ll make — and the better you’ll be at anticipating problems. Read personal-finance books, magazines, and blogs. Most importantly, talk to people you know who have control of their finances. Learn from their mistakes so you’ll be more likely to avoid similar pitfalls in the future.
  • Be prepared. Your work as CFO of your own life involves both offense and defense. You practice defense when you practice preparation. The best way to prepare? Boost your profit margin! The larger your saving rate, the larger the buffer between you and disaster. Maintain an adequate emergency fund. Keep your insurance up-to-date. Make use of barriers and pre-commitment so that you’ll do the right things automatically. (The more you remove the human element from the equation, the safer you are.) Create a cash buffer to allow you take advantage of both emergencies and opportunities.

Even when you’re prepared and educated, you’re still going to make mistakes and suffer unexpected setbacks. It’s important to know how to pick up the pieces after things fall apart. Here are some strategies for minimizing the damage:

  • Don’t panic. When you suffer a setback or realize you’ve made a mistake, try to relax. Don’t freak out. Take an hour or two to distract yourself. Better yet, sleep on the problem. It’s amazing how a little time can help you gain perspective.
  • Believe in yourself. Though you may not know exactly how to solve the problem at hand, trust that you’ll find a solution. You’re smart. You’re resourceful. You’re competent. Stay positive, solve the problem, and learn from the experience.
  • If possible, undo the damage. Some mistakes are reversible. Suppose you just blew a bund of money on new clothes or are feeling buyer’s remorse over your new Nintendo Switch. Return the items. Or, if that’s not an option, immediately sell them to recoup some of your loss.
  • Evaluate your options. Obviously, some mistakes are not reversible. If you accidentally change lanes into another car and total both vehicles, there’s no undoing the damage. So, make the most of the situation. Compile a list of options. Keeping your long-term goals in mind, figure out the best course of action. This will help you avoid making rash decisions.
  • Don’t let it get you down. From personal experience, I know how tempting it can be to ease the pain by spending more money. But compulsive spending just makes it more difficult to reach your goals. It makes you feel worse, not better. Fight the urge to practice “retail therapy”. Stay away from your Amazon account. Don’t let one problem snowball into two or three.
  • Learn from your mistakes. Figure out where you went wrong. How did that traveling salesman convince you to buy those overpriced steak knives? What can you do to avoid making the same mistake in the future? Don’t beat yourself up, but take a calm, rational look at how you can make better choices next time.
  • Don’t dig a deeper hole. Money spent is money spent. Just because you’ve already sunk $200 into a gym membership you never use doesn’t mean you need to keep spending money on it. Cut your losses by getting out as soon as possible.
  • Keep your goals in mind. A setback is just that: a temporary roadblock on your journey toward something more important. Make peace with the past and keep your focus on the future.

Setbacks are disheartening but remember: Failure is okay. Mistakes are lessons in disguise. There’s a Japanese proverb about perseverance that translates as “fall down seven times, get up eight”. Successful people fail just as often as unsuccessful people; the difference is that successful people learn from their mistakes, get back on their feet, and resolutely march in the direction of their desires.

Becca on Coping with Rejection

If you’ve made some foolish choices or had some bad stuff happen to you — or both — don’t give up. Use the mistakes to launch yourself on a new path. It’s never too late to change direction and start making smarter choices. Build your future from the ashes of the past.



Source link

A simple (but effective) investment strategy ~ Get Rich Slowly


As you spend less and earn more, you’ll begin to earn a profit and save more money. Maybe at first you’ll have a few dollars per month in surplus. Eventually, however, you’ll find that you’re saving 10%, 20%, or even 50% of your everything you earn.

The average person spends his surplus on whatever wants come to mind. Instead of using the money to get ahead, he stays in the same place. Or, worse, he falls behind by taking on debt. A smart money manager puts her profit to use by investing for the future.

At first, you’ll pursue short-term goals.

  • If you’re in debt, get out of debt. Destroying high-interest debt offers the best possible return for your money.
  • Build a cash reserve. It’s smart to have money in a savings account to cover short-term emergencies.
  • Invest in yourself. Remember: the more you learn, the more you earn. Increase your skills and education. Update your wardrobe and improve your health. Become a better you.
  • Pursue your personal mission: fund college funds for the kids, pay off the mortgage, start a business, spend a year in southeast Asia. Use money as a tool to improve your life.

After your near-term wants and needs are satisfied, it’s time to look farther into the future, toward retirement and Financial Independence. You know what that means, right? It’s time to invest in the stock market!

Investing doesn’t have to be difficult. If you keep things simple, you can invest yourself and receive reasonable returns — all with a minimum of work and worry.

First, lets look at what not to do.

The Worst Investor I’ve Ever Known

Allow me to introduce you to the worst investor I’ve ever known. His name is J.D. Roth:

[J.D., Counting His Money]

That’s right, I’m using myself as an example of what not to do when investing.

You see, for a long time I didn’t understand how the stock market worked. I treated it as if it were a casino. I picked a stock, put all my money into it, and crossed my fingers. I took risky gambles hoping to strike it rich.

Unsurprisingly, I lost a ton of money.

  • During the late 1990s, I formed an investment club with some close friends. Each month, we contributed money and picked where to put it. We chose stupid, stupid stocks — whatever was riding high at the moment. When the tech bubble burst, so did our bankroll and our enthusiasm.
  • In 2000, enamored by PalmPilot, I bought stock in the company that made the devices. I paid close to $90 per share. Just over a year later, the stock had lost 90% of its value. Oops.
  • One of my friends worked for The Sharper Image. In 2007, the company was struggling and the stock was in the toilet. At dinner one night, my friend told me how management was trying to turn things around. Sounded promising, so I put my $3500 Roth IRA contribution into the company’s stock. The company soon went bankrupt and my 2007 IRA contribution is now worth nothing.
  • During the banking crisis, I invested in Countrywide Financial. “Countrywide is on your side,” right? Wrong. Yet another stock that went to zero.

Look, I was dumb, and I know it. Unfortunately, my story is far from unique.

My father bought gold at over $500 per ounce only to watch it fall to $300 during the 1980s. More recently, I have friends who’ve bought Bitcoins for $700. And readers often tell me about how they’ve lost by speculating in the stock market like I did.

In the past decade, I’ve mended my ways. I no longer treat the stock market like a casino game. Today, I take a different approach, the same strategy recommended by Warren Buffett and lots of other smart folks.

Before I share this strategy, however, let’s talk a bit about philosophy.

The Get Rich Slowly Investment Philosophy

Your investment philosophy contains the core beliefs that guide your actions and decisions when saving for the future. It’s like your money blueprint for the stock market. Without a defined philosophy, your choices are arbitrary. You buy and sell based on whim and emotion. When you have a clear ideology, your options become limited to strategies that fit your beliefs.

Here’s how author Rick Ferri describes the difference between investment philosophy and investment strategy:

“Philosophy is universal, strategy is personal, and discipline is required. Philosophy acts as the glue that holds everything together. Philosophy first, strategy second and discipline third. These are the keys to successful investing.”

Back when I was doing stupid stock-market tricks, I didn’t have a coherent investment philosophy. Today, I do. After a decade of reading and writing about money, I’ve come to believe that a smart investor should:

  • Start early. “The amount of capital you start with is not nearly as important as getting started early,” writes Burton Malkiel in The Random Walk Guide to Investing. “Every year you put off investing makes your [goals] more difficult to achieve.” The secret to getting rich slowly, he says, is the extraordinary power of compounding. Given enough time, even modest investment returns can generate real wealth.
  • Think long-term. It takes time — decades, not years — for compounding to work its magic. Plus, there’s another reason to take the long view. In the short term, stocks are volatile. The market might jump 30% one year, then fall 20% the next. But in the long run, stocks return an average of around 10% per year (or about 7% when you factor inflation).
  • Spread the risk. Another way to smooth the market’s wild ups and downs is through diversification, which simply means not putting all of your eggs into one basket. Own more than one stock, and own other types of investments (such as bonds or real estate). When you spread your money around, you decrease risk while (counter-intuitively) earning a similar return.
  • Keep costs low. In Your Money and Your Brain, Jason Zweig notes, “Decades of rigorous research have proven that the single most critical factor in the future performance of a mutual fund is that small, relatively static number: its fees and expenses. Hot performance comes and goes, but expenses never go away.” Warren Buffett bet a $2,222,278 that, because of high fees, an actively managed hedge fund cannot beat an average market index fund. He won the bet by a wide margin.
  • Keep it simple. Most people make investing far too complicated. There’s no need to guess which stocks are going to outperform the market. In fact, you probably can’t. For the average person, it’s much easier and profitable to simply buy index funds. (About which, more in a moment.)
  • Make it automatic. It’s important to automate good behavior so that you don’t sabotage yourself. You want to remove the human element from the equation. I recommend creating a monthly transfer from your checking account to your investment account. And if you have a retirement plan at work, ask HR to max out your contribution via payroll deduction.
  • Ignore everyone. You might think that a smart investor pays attention to daily financial news, keeping his finger on the pulse of the market. But you’d be wrong. Smart investors ignore the market. If you’re investing for twenty or thirty years down the road, today’s financial news is mostly irrelevant. Make decisions based on your personal financial goals, not on whether the market jumped or dropped today.
  • Conduct an annual review. While it does zero good to monitor your investments day to day, it’s smart to look things over occasionally. Some folks do this quarterly. I recommend once per year. An annual review lets you shift money around, if needed. And it’s a great time to be sure your investment strategy still matches your goals and values.

This philosophy — which is based on years of research and experience — limits the number of investment strategies at my disposal.

Here are the investing philosophies of several leading investors and financial thinkers.

The Get Rich Slowly Investment Strategy

How would you put the Get Rich Slowly investment philosophy into action? The answer is shockingly simple: Set up automatic investments into a portfolio of index funds, mutual funds designed to match the movement of the market (or a portion of the market).

It’s easy to get started. Here’s how:

  • Put as much as you can into investment accounts — as soon as possible. Fund tax-advantaged accounts (such as retirement accounts) before taxable accounts.
  • Invest in low-cost index funds, such as Vanguard’s Total Stock Market Index Fund (VTSMX) or Fidelity’s Spartan Total Market Index Fund (FSTMX).
  • If the stock market makes you nervous, or you want to spread the risk, put some of your money into a bond fund like Vanguard’s Total Bond Market Index Fund (VBMFX) or Fidelity’s Total Bond Market Index Fund (FTBFX).
  • If you want diversification with less work, invest in a low-cost combo fund like Vanguard’s STAR Fund (VGSTX) or Fidelity’s Four-in-One Index Fund (FFNOX).

After that, ignore the news no matter how exciting or scary things get. Once a year, go through your portfolio to be sure your investments still match your goals. Then continue to put as much as you can into the market — and let time take care of the rest.

That’s it. Seriously. Do this and you should outperform most other individual investors over the long term. (If you want more info on this investment strategy, check out my 5000-word article on how to invest.)

This strategy isn’t just great for investing novices. Even market professionals endorse it. In his 2013 letter to shareholders, for instance, Warren Buffett outlined what will happen to his vast wealth when he dies. Most of it will go to charity; some will go to his wife. How will his wife’s money be handled?

“My advice to the trustee couldn’t be more simple: Put 10% of the cash in short-term government bonds and 90% in a very low-cost S&P 500 index fund. (I suggest Vanguard’s.) I believe the trust’s long-term results from this policy will be superior to those attained by most investors…”

Are there other investment strategies that might provide similar returns? Sure.

In the future at Get Rich Slowly, we’ll explore value investing, dividend investing, and the Permanent Portfolio. Each of these approaches has merit. But each of these approaches also requires greater education, sophistication, and attention on the part of the investor.

Unless you know for a certainty that you have this knowledge, sophistication, and attention, you’re better off sticking with index funds.

The Bottom Line

Do I practice what I preach? You bet! All of my money is in index funds and individual bonds. Here are my top four holdings as of today:

[My Top Holdings]

That gives me an overall asset allocation that looks like this:

[My Asset Allocation]

I’m 49 years old and have 80% of my portfolio in stocks, 10% in bonds, and 10% in other investments. I do still own 1115 shares of now-worthless Sharper Image stock. I keep it to remind me of my past stupidity.

One of my personal goals over the next few years is to gain the knowledge and sophistication necessary to dabble in other forms of investing. (I believe I have the mindset already.) For now, I’m content heeding Warren Buffett’s advice. It’s served me well.

Exercise: Whether you’re new to investing or already have millions in the market, it’s important to define your investment philosophy. To start, create an investment policy statement, which is like a blueprint for your investments. An IPS will help you decide how much to invest in stocks and how much to invest in bonds. It’ll also help you stay on course instead of trying to take shortcuts (by doing things like chasing hot stocks) or panicking when things fall apart (such as during 2008’s market crash).

Note: I’m migrating old Money Boss material to Get Rich Slowly — including the articles that describe the “Money Boss method”. This is the eighth of those articles.

Look for further installments in the “Money Boss method” series twice a week until they’ve all been transferred from the old site.



Source link

10 cortes de cabelo que serão tendência em 2018​

Tá afim de mudar o corte do seu cabelo, mas ainda não definiu qual fazer? A gente te ajuda! Conversamos com João Bosco, hairstylist do Salão 1838, e separamos as 10 tendências de cortes que mais vão bombar em 2018:

1. Blunt Cut

O BluntCut é a solução para mulheres desapegadas do cabelo longo. Ele é simplesmente um corte de base reta na altura dos ombros, sem assimetria entre as mechas ou pontas repicadas. É um estilo maravilhoso para todos os tipos de rosto. Se quiser dar um plus do look, recomendo usar produtos texturizadores, como os Surf Sprays.

2. Long Bob

É atemporal e combina facilmente com todos os rostos e cabelo, basta adaptar a técnica com cada formato. Este look é perfeito para quem não quer cortar muito os fios, pois a altura ideal é acima dos ombros. Se tiver o rosto quadrado, por exemplo, pode pedir para seu profissional fazer um leve repicado para dar suavidade, sem deixá-lo com aspecto pesado. Mulheres cacheadas também podem adotar essa tendência absoluta para 2018. Porém, recomendo que o corte seja feito à seco para não subir demais o comprimento.

3. Cabelo Longo

O cabelo longo voltou aos holofotes graças as semanas de moda, red carpet e, logicamente, pelas celebridades, como Isis Valverde e Yasmin Brunet. Neste look, você pode brincar com várias técnicas, como fazer repicados, cortar em degradê, com base reta, franjas. O céu é o limite!

4. Pixie

O estilo Pixie Cut merece espaço nas tendências deste ano. Apesar desse look ter feito muito sucesso nos anos 1980, ele voltou com tudo e se tornou mais que um corte de cabelo e sim um estilo de vida para mulheres que querem evidenciar uma beleza mais moderna. Ele é curto atrás e longo na frente, com pontas desconectadas. Para um visual bagunçadinho, você pode conseguir textura com um xampu seco. Essa proposta também é interessante para quem deseja esconder o volume da testa, por exemplo.

5. Franjas volumosas

Para conquistar o tão desejado volume, basta fazer um repicado com a tesoura, que, além de deixar o visual marcante, oferece um ar retrô sofisticado. Esse tipo de look fica bem em todos os rostos.

 

Veja também

 

6. Curto com franja lateral

É possível fazer uma mistura de tendências, ou seja, unir os estilos para criar um visual bem interessante. Esse é o caso do pixie repicado com franja alongada. Basicamente, esse corte é bem curtinho atrás e com toda atenção focada na parte da frente. Para estilizar, você pode deixar bem alinhada com auxílio de uma escova modeladora e da prancha, por exemplo.

7. Corte assimétrico

O corte assimétrico é tendência absoluta para cacheadas com um quê de ousadia. Essa proposta também funciona perfeitamente para equilibrar o volume natural dos cachos, pois a ideia é deixar um lado mais comprido do que o outro.

8. Repicado

O cabelo mais leve é ótimo para qualquer tipo de corte, do longo ao curto. Para isto, a técnica ideal é apostar em camadas mais curtas na frente como um repicado nas pontas. Isso vai ajudar muito no movimento natural dos fios.

9. Corte trapézio

É um corte para mulheres que querem praticidade no dia a dia. Ele é feito na altura no trapézio com base reta. Se quiser atualizá-lo, basta cortar as mechas de maneira desigual. Para rostos largos, redondos ou quadrados, é preciso repicar um pouco mais para distribuir o volume, compensando perfeitamente as proporções.

10. Pageboy

Outra tendência que será revisitada em 2018 é o Pageboy, que foi o queridinho das londrinas da década de 1950. Esse corte nada mais é que uma versão retrô do clássico Chanel, que fez muito sucesso na época. Na técnica, os fios são projetados para frente e são mais volumosos na parte de cima na nuca. Tendências:
Os cabelo dos anos 80 que voltaram com tudo

For additional information, please sign up for our weekly newsletter.

Your Name (required)

Your Email (required)



What The F***K Happened To These Celebrities



Media consumes us.

Whether you’re binge watching Orange is the New Black, waiting in line at the grocery store, or walking down the street, media is everywhere, and there is no possible way to avoid it. It’s sad, it’s scary, but it’s reality…well, sort of.

With all this media hitting us in the face, we get to know a lot about people that are constantly making appearances in television, film, magazines, radio, and anything else you can possibly imagine. With that being said, to get to my point, we get to know a lot about celebrities.

I have this issue where if I watch a movie or film and take an interest in a certain character or individual, I Wikipedia every possible thing I can about the person a.k.a. the celebrity and every other celebrity they are connected to. It’s a curse, but I kick-ass in trivia.

With that being said, we, as a society, tend to invest our time and effort in keeping up-to-date in celebrities’ lives.

What happens to certain celebrities when they kind of go…I don’t know…off the radar?

Here’s a list I’ve come up with of a list of celebrities that I want to know what the f***k happened to :

1. Mischa Barton

I don’t want to give any O.C. spoilers here but what happen to Coop after the..you know…did Mischa Barton go down one of those paths that many of her fellow celebs did as well? Let us know girl!

2. Eminem

People aren’t lying when they say Mr. Mather’s keeps a “low profile.”

3. Ryan Cabrera

Were did he go “all the way down” to? Remember the days he dated Audrina Patridge? Bless them both. Also, if you have never seen his episode of cribs I HIGHLY suggest it.

4. Justin Guarini

DID YOU KNOW HE IS THE CHARACTER OF ‘ LIL SWEET’ IN THOSE PEPSI COMMERCIALS????

5. French Montana

What happened to Mr. Montana after he stopped keeping up with Khloe Kardashian? Okay, I have something to confess….this rapper lives in my tiny suburban New Jersey town only three houses down from me. Don’t believe me? Look it up! About a month ago I saw him walking down the street with a beautiful little blonde. He waved to me as I drove by. Maybe one day he’ll let me babysit that monkey of his.

For additional information, please sign up for our weekly newsletter.

Your Name (required)

Your Email (required)