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"Come On Get Higher" by Matt Nathanson
One of my faves.
What are the odds of living to age 100? They're improving every year. The 2010 U.S. Census counted 53,364 people age 100 and older in the United States, a 66% increase since 1980.Turning 100 used to get you a mention on the Today show. Now, so many Americans pass this milestone that Hallmark sells 100th birthday cards.To make it to 100, doctors recommend good health habits and a strong social support system. But how do you afford a retirement that lasts 35 to 40 years? These five strategies can reduce the chance you'll outlive your savings even if you hit the century mark.Save more during your careerA four-decade retirement will cost a lot of money. A career of strong saving is one of the best ways to build up the assets you'll need. Consider saving 12% to 15% of your pay each year for retirement, including any contributions from your employer.The earlier you start saving, the better, as younger workers are much more likely to see a long retirement. A 2011 study by the United Kingdom Department for Work and Pensions estimated a one in four chance that a 20-year-old woman would live to 100 (one in five for a 20-year-old man).Fortunately, if your career is just starting, you're in the best position to prepare for a decades-long retirement. Your money has all of your working years to grow.But no matter your age, there's never a bad time to save more for retirement.Own a diversified portfolioTo build up enough money to last through a long retirement, you will probably need market gains in addition to the money you contribute to your retirement plan account. That means investing in a diversified portfolio.During retirement, keeping some of your money invested in stocks can help you stay ahead of inflation while you withdraw income from your savings. Of course, diversification does not ensure a profit or protect against a loss. All investing is subject to risk, including the possible loss of the money you invest.Vanguard often suggests that investors with a long-term point of view consider investing in stocks. And who could have a longer point of view than someone who anticipates living a century?Make disciplined withdrawalsTo make your savings last through an extremely long retirement, you might have to withdraw it in very small increments. Many financial planners recommend withdrawing no more than 4% of your savings in the first year of retirement, and increasing your withdrawal by the rate of inflation each year so your spending power keeps up with the rising cost of living.But that advice is designed to stretch savings over 30 years. Studies suggest that investors looking to draw income for 40 years withdraw even less, say 3%. When the stock market has a sudden drop, it can make sense to further reduce your withdrawal rate for a while.You can learn more about creating income on our retirement income website.Choose joint-and-survivor benefitsIn the United States, centenarians are overwhelmingly female—and widowed. Many depend to a large extent upon their late husbands' Social Security benefits or pensions.That's why it's important to consider the impact your retirement planning might have on your spouse. For example, you might consider signing up for a 100% joint-and-survivor payout on any pension. That way, your survivor would continue to receive 100% of your pension benefit after your death.Similarly, delaying Social Security benefits could mean more money for a long-lived survivor.Lock in lifetime incomeThe guaranteed income* of an annuity can help you maintain your standard of living with little risk that you'll run out of money. One common retirement strategy is to purchase an annuity to cover basic living expenses like housing costs and groceries. With your basic needs covered, you could continue to invest the rest of your savings.When shopping for an income annuity, you should seek an insurance company that is highly rated, meaning it is considered financially strong enough to honor its obligations.*After all, you would need the insurance company to make the payments on your annuity even when you live to be 100.*Product guarantees are subject to the claims-paying ability of the issuing insurance company. The underwriting risks, financial obligations, and support functions associated with the products are the responsibility of the issuing insurance company. The issuing insurance company is responsible for its own financial condition and contractual obligations.
Good suggestion from Vanguard.
The World Wide Web is a smashing tech success. But its inventor wants it to break down more cultural barriers, thwart government snooping, and run apps, not just house documents.
“Some learning and development organizations make ADDIE work by taking it in a more flexible direction, with less focus on process and more on outcomes. But for too many organizations, ADDIE is the law. Sure we must analyze performance problems, design great learning, and get it developed. We must implement it seamlessly and cost-effectively, and we sure better know if it’s working. But there’s more to it than five boxes and a few arrows.”My July 2012 column, “Why I Hate Instructional Objectives,” caused a lot of consternation. Some readers understood my point, but others were rather upset. To them, the article was near heresy. Nevertheless, it was a great discussion. So, at the risk of causing another uproar, I’m at it again.I hate ADDIE.(If you don’t know what ADDIE is, see Figure 1 above)Well, I don’t actually hate what ADDIE stands for—a systematic, professional process to develop effective and efficient learning programs—but I am concerned that strict obedience to a single process puts blinders on us, hindering our ability to see alternatives. Here’s why.ADDIE can be too sequentialNot all ADDIE models are explicitly linear, in a graphical sense. Some are circular, some are square, and some are even three-dimensional. There can be dozens of steps and sub-steps. I’ve seen an ADDIE model take up seven two-inch binders! Some models have arrows in one direction and some have arrows pointing everywhere. Even with so many iterations, perceptions of how to use ADDIE are primarily sequential.Who says that analysis, design, development, implementation, and evaluation should be done in lockstep order? Shouldn’t we consider evaluation earlier, and circle back to revise what we have done based upon testing, rapid prototyping, or a more agile methodology? Of course. Yet strict adherence to ADDIE sometimes causes people to eschew the next phase until they have done, signed off, and put to bed the last one, even if they think otherwise. This can be very inefficient and costly, but more importantly, it can lead to a lack of divergent thinking on how a particular course should be put together.
ADDIE often focuses on compliance rather than resultsMany organizations rely on ADDIE-type models to verify that all the steps of the design and development process have been completed, not necessarily whether the right decisions were made. This may make process folks happy, but it is also unfortunate. When process trumps product, watch out. Creativity and out-of-the-box thinking get lost as the true intent of ADDIE gets hijacked to support a bureaucratic compliance process. When management is more interested in whether all the boxes are ticked than what learning strategies are employed, or if they worked, and when evaluating actual course effectiveness waits until the first offering, when changes are costly and organizationally more difficult to make, you get what you might expect: lots of courses with hundreds of pages of exacting ADDIE documentation, but in the classroom, or online, everything looks pretty much the same.
ADDIE can be painfully slowIt can often take months to produce ADDIE-compliant documentation, not to mention ADDIE-compliant courses. Who has that kind of time anymore? Compliance has its virtues, but speed isn’t one of them. How much time can you devote to an overly formal, structured process, requiring lots of non-course ware documentation? If this describes your work, how can you make it go faster, without jeopardizing quality, and, if you can, does this change your methodology to something newer and more adaptive?
Design is often the stepchild of ADDIECan you really use a sequential, step-by-step process to design high quality training? Yes, the process can prescribe what you should do: writing objectives, asking questions, providing practice, etc., but how well those design elements are actually implemented is as much art as science, and as much experience as process, as any good instructional designer will tell you. Instructional design and ADDIE are not the same thing; instructional design is much more, and we get into trouble when we confuse the two. Creativity, heuristics, experience, best practices, trial and error, experimentation, and even informed hunches play a role. You won’t find them in most ADDIE applications. And, as we are discovering, this problem can be exacerbated in an eLearning project.
ADDIE can inhibit non-ADDIE thinkingPerhaps the biggest concern about ADDIE is that it’s been blasted into our heads, and into our practice for so long, we may not just take it for granted, but take it for gospel. “ADDIE is how we do it; it’s how we’ve always done it; and it’s how we’re going to do it in the future.” Spoken or unspoken, is this a healthy attitude? Does it limit our agility to respond to changing learning needs? Does it move your organization, or the field forward? If you rise up to innovate, would the process slap you down? In our drive to make our design process simple and consistent, have we inadvertently made it too simplistic and too rigid (they are not mutually exclusive)?ADDIE comes drippingly off the tongue. It’s easy to explain. It’s easy to document. It looks good on our posters, flowcharts and design manuals. It’s comfortable; perhaps too comfortable. This is a question every training organization should ask. Is ADDIE serving our needs well? Are there pieces missing? Would we benefit from a more adaptable approach?Some learning and development organizations make ADDIE work by taking it in a more flexible direction, with less focus on process and more on outcomes. But for too many organizations, ADDIE is the law. Sure we must analyze performance problems, design great learning, and get it developed. We must implement it seamlessly and cost-effectively, and we sure better know if it’s working. But there’s more to it than five boxes and a few arrows … much more. So let’s keep the good parts of what ADDIE represents but throw off the shackles that hold us to the belief that the ADDIE way is the only way.There are lots of insightful voices on the state of instructional design models, like Allison Rossett and Michael Allen. There’s even a compilation of articles and posts on this debate . . .
Excellent analysis. For more visit: http://www.learningsolutionsmag.com/articles/1365/
Who says bulldogs aren't athletic @BabyAnimalPics @iLoveDogsInc @funnyanimalz
Tweet from @caninepeace
Such a cool little guy! If seeing baby animals doesn't bring joy to your heart, I don't know what will. ❤
There is little difference in people, but that little difference makes a big difference. The little difference is attitude. The big difference is whether it is positive or negative. ―W. Clement StoneWhen I was a teenager I was the primary target of an extremely persistent bully at my high school. One day I came home in tears and wrote this on the whiteboard hanging on my bedroom wall: “I hate bullies. They make me feel like a loser.”The next day, while I was at school, my grandmother erased what I wrote on the whiteboard and replaced it with this: “An entire body of water the size of the Pacific Ocean can’t sink a ship unless it gets inside the ship. Similarly, all the negativity in the world can’t bring you down unless you allow it to get inside your head.”And from that day forward I felt better. I made a conscious decision to stop letting the bully get inside my head. I changed my beliefs about his level of importance in my life.It isn’t easy to remain positive when negativity surrounds you, but remember that you have full control over what you choose to believe. You can effectively defend yourself against all kinds of negativity by adopting simple, yet powerful, beliefs that support a positive outlook in the face of seemingly negative circumstances.Below you will find 15 such beliefs that have helped free me from the grips of negativity. I have these beliefs written down in my journal, and I review them on a regular basis, as needed, just to keep them fresh in my mind. I hope you will join me by adopting them into your own belief system as well… What other people say about me is their problem, not mine. – Don’t take other people’s negativity personally. Most negative people behave negatively not just to you, but to everyone they interact with. What they say and do is a projection of their own reality. Even when a situation seems personal – even if someone insults you directly – it oftentimes has nothing to do with you. What others say and do, and the opinions they have, are based entirely on their own self-reflection. I am free to be ME. – Can you remember who you were before the world told you who you should be? Happiness is found when you stop comparing yourself to everyone else and what they want. Stop living for other people and their opinions. Be true to yourself. You are the only person in charge of your life. The only question is: What do you want to do with the rest of it? Life isn’t perfect, but it sure is great. – Our goal shouldn’t be to create a perfect life, but to live an imperfect life in radical amazement. To get up every morning and take and good look around in a way that takes nothing for granted. Everything is extraordinary. Every day is a gift. Never treat life casually. To be spiritual in any way is to be amazed in every way. (Read The Happiness Project.) It’s okay to have down days. – Expecting life to be wonderful all the time is wanting to swim in an ocean in which waves only rise up and never come crashing down. However, when you recognize that the rising and crashing waves are part of the exact same ocean, you are able to let go and be at peace with the reality of these ups and downs. It becomes clear that life’s ups require life’s downs. Even when I’m struggling, I have so much to be grateful for. – What if you awoke today with only the things you were thankful for yesterday? We tend to forget that happiness doesn’t come as a result of getting something we don’t have, but of appreciating everything we do have. Stress thrives when your worry list is longer than your gratitude list. Happiness thrives when your gratitude list is longer than your worry list. So find something to be thankful for right now. Every experience is just another important lesson. – Disappointments and failure are two of the surest stepping-stones to success. So don’t let a hard lesson harden your heart. When things go wrong, learn what you can and then push the tragedies and mistakes aside. Remember, life’s best lessons are often learned at the worst times and from the worst mistakes. We must fail in order to know, and hurt in order to grow. Good things often fall apart so better things can fall together in their place. Not everything is meant to stay. – Change can be terrifying, yet all positive growth and healing requires change. Sometimes you have to find the good in goodbye. Because the past is a place of reference, not a place of residence. Be strong when everything seems to be going wrong, keep taking small steps, and eventually you will find what you’re looking for. Learn to trust the journey, even when you do not understand it. Being wrong is the first step to being right. – Sometimes the wrong choices bring us to the right places. To be creative and productive in life, you must first lose your fear of being wrong. And remember, a fear like this can only survive inside you if you let it live there. I do not need to hold on to what’s holding me back. – You are not what has happened to you; you are what you choose to become. It’s time to break the beliefs and routines that have been holding you back. Respect yourself enough to walk away from anything that no longer grows you. Listen to your intuition, not your ego. When you stop chasing the wrong beliefs, you give the right ideas a chance to catch you. My happiness today is simply the result of my thinking. – Happiness starts with you – not with your relationships, not with your job, not with your money, but WITH YOU. It is not always easy to find happiness in ourselves, but it is always impossible to find it elsewhere. Regardless of the situation you face, your attitude is your choice. Remember, you can’t have a positive life with a negative attitude. When negativity controls your thoughts, it limits your behavior, actions, and opportunities. If you realized how powerful your thoughts were, you would try your best to never think another negative thought again. Who I spend quality time with matters. – Surround yourself with people who lift you higher – those who see the great potential in you, even when you don’t see it in yourself. Drama and judgments are a waste of perfect happiness. – Make a promise to yourself. Promise to stop the drama before it begins, to breathe deeply and peacefully, and to love others and yourself without conditions. Promise to laugh at your own mistakes, and to realize that no one is perfect; we are all human. Feelings of self-worth can flourish only in an atmosphere where individual differences are appreciated, mistakes are tolerated, communication is open, and rules are flexible. (Read The Mastery of Love.) Most people are judging me far less than it seems. – The truth is, while you’re busy worrying about what others think of you, they’re busy worrying about what you think of them. Crazy? Yes, but true. The good news is this knowledge instantly frees you to let loose and do more of what YOU want. And while doing so, you’ll also liberate others to do the same. I can make the world a happier place. – Do your best to help one person every day in some small way. By becoming the answer to someone’s prayer, we often find the answers to our own. When the people around us are happier, it’s a lot easier to smile. The work is worth it. – Lose the expectation that everything in life should be easy. It rarely is. In fact, there are no shortcuts to any place worth going. Enjoy the challenge of your achievements. See the value in your efforts and be patient with yourself. And realize that patience is not about waiting; it’s the ability to keep a good attitude while working hard on your dreams. It’s knowing deep down that the work is well worth it in the end.
Practical Tips for Productive Living
"With confidence, you have won before you have started." -- Marcus GarveyConfidence is often the single differentiator between people who get what they want and people who don't. Those who think and believe they can do something -- run a marathon, start an entrepreneurial venture, ask someone out (and have them say yes), win a competitive promotion, fit into their pre-pregnancy jeans, build a fun social circle, well... they do it.Our mind is a very powerful tool, and the impact of our thoughts and words cannot be underestimated. Our thoughts create our emotions. Our emotions create our actions. Our actions create our life. Confident people have greater control over their minds and have tuned their mental station to one of "I can."Here are nine things that confident people do that you can apply to your life:1. Do not overcomplicate. You want something? Great! Create a plan to make it yours. Keep your eye on the prize and do not get distracted by other peoples noise or by your own ability to over-think.2. Focus on what you want. Confident people keep a positive vision in mind of the future. They expect good things to happen to them, and as a result they do, as expectation is a very powerful force.3. Act as if it's already yours. People who are self-assured allow their language and actions to be in line with their outcome. This inspires confidence in others.4. Use words with intention. Consider the difference with two people discussing their new blog. One could be, "Yes, I am a blogger. You like vintage purses too? Awesome! We must connect -- check out the new images I posted at..." vs. "Well, I am trying to blog but am not sure I am doing it right (nervous laugh)." Who do you think gets the most views and shares?5. Listen but don't pay heed to others' opinions. Other people are well meaning and sometimes err on the side of caution. Confident people listen to other people but do not let their difference of perspective take them off track. It's your life!6. Dedicate time to what matters. Confident people are happy to say no to things to make sure they have time and energy for their priorities. Funnily enough, people treat them with more respect as a result.7. Act humble. Confident types don't talk endlessly about their successes. I was once at a large corporate event and I was speaking to an outgoing and likeable woman who said she "worked in publishing." I found out later that evening that she was the editor-in-chief of one New York's most influential magazines. Confident people let their success speak for itself and don't need to vocalize it.8. Know failure is sometimes inevitable and don't fear it. Worrying about failure can keep us from doing anything at all. Confident people are still confident even when they fail. When the chips are down they know it will pass.9. Repeat all of the above! Confidence building takes a lifetime. The more we practice confidence as an attitude, the easier it becomes.The most successful and happy people are not born the most rich, beautiful or talented. They just believe in themselves and go for what they want. Confidence is also a highly attractive quality in others as we all secretly aspire to have more self-assurance. "I can" and "I can't" thoughts create very different emotional spirals, as the mind is very obedient and follows whichever path we direct it. Which do you choose?
Good, simple insight into confident thought and behavior.
Confidence does build over time. It is a process.
http://www.scoop.it/t/social-culture/rss.xmlNEW YORK - With just 11 days of winter to go, the snow is in retreat. In parts of the Northeast, at least 2 inches of snow melted in just the past day.As people start venturing out, they're being greeted by a sound they haven't heard for months: the singing of birds.America's thrushes and waxwings and warblers have managed to survive the winter.As the snow melts in New York's Central Park, the birds sing a song of spring.Robert DeCandido known as Birding Bob, has a PhD in evolutionary ecology. He says birds were OK, even thought this winter was harsh."If there's enough food around, the cold weather doesn't bother the birds," said DeCandido. "It's when there's cold weather and little to no food when it's a problem for birds."Small birds can lose up to 10 percent of their body weight each night, so they have to eat a lot dring the day.Little has been known about how small birds survive the cold, until now. Researchers at the University of Oxford put microchips on more than 2,000 songbirds to see exactly how they spend their winter days.What they found was every morning birds leave their nests and scout out food sources. But they don't immediately eat. Instead, they fast, staying light and nimble enough to avoid being someone else's lunch. Then in the late afternoon, the birds return to where they saw food and chow down.DeCandido says birds that don't migrate south for the winter have ways of staying warm."Well, you can shiver, you can burn fat. The birds will do that as well. But they also have down coats. You know how we have down coats that are stuffed with feathers? They have their own down coats," he said.And as for their singing, you weren't mistaken. Songbirds do go quiet in winter, saving their energy until these warmer days, when their thoughts turn from survival to love.© 2014 CBS Interactive Inc. All Rights Reserved.
The birds sing a song of Spring. They know!
“Great is the human who has not lost his childlike heart.” ~MenciusRemember when life was simple?When your friends were the most important thing in the world. When a snow day was a perfect excuse to have fun, not a block of time when you felt guilty about being unproductive.When the ice cream truck could make your day, no matter what happened before. Bad grade? Big deal—it’s snow cone time. Skinned knee—who cares, you have a screwball!If only you could bottle that sense of freedom, fun, and enthusiasm for the little things, you could carry it in your responsible adult pocket and take a swig when you started taking everything too seriously.I don’t know about you, but mine would be in a glass vial embellished with red, pink, and purple swirleys, topped with a water globe stopper that had a palm tree in it. (Yeah—that’s right!)Maybe we don’t need some major departure from business as usual to stop being stuffy and start being childlike (which can actually help you become more innovative, in case sheer joy isn’t motivation enough).I’ve compiled a list of ideas to be more childlike today. I chose thirty-three because it’s the house number where my parents live, and it’s because of them I am the best couch cushion fort maker on both the east and west coasts. Enjoy:Learn1. Read a book you loved as a kid. My book of choice: Oh the Places You Will Go by Dr. Seuss.2. Figure out how something works, even if it’s irrelevant to your life, just because it’s interesting. Go ahead—Google “how fish breathe” or something you don’t fully understand.3. Fill out your own permission slip to go to the aquarium, a museum, or a nearby tourist attraction. If something looks interesting, take a break and go!Play4. Do something fun. Make a Lego village, pull out the coloring book, or jump rope.5. Explore. Walk around your block without any intention. Just see what’s going on, maybe even using a big fallen branch as a walking stick.6. Run or skip if you feel like it. Flail your arms, like Phoebe in my favorite episode of Friends.7. Be silly. Look for funny things in your day—they’re always there—and let yourself laugh about them.8. Try a new look. Think the kid from Adam Sandler’s Big Daddy, when he dressed himself, but a little less ridiculous.Share9. Remember something awesome and call a friend to share it. (i.e.: ‘Member the time we made pizza for breakfast? That was awesome, huh?)10. Tell someone they’re your hero. If you admire what they do, look right in their eyes and say, “I think you’re pretty awesome.”11. Be a know it all. Tell someone about something you learned today and get excited about sharing it.12. Tell it like it is. Don’t be a liar, liar, pants on fire. As Dr. Seuss said, “Say what you mean and mean what you say because those who mind don’t matter, and those who matter don’t mind.”13. Be vulnerable. Tell someone how you feel or what you really want to be when you grow up, without making them pinky swear to take it to the grave.14. Share a meal with people around a table, even if it isn’t a special occasion, like that Norman Rockwell painting families often recreate.Connect15. Tell your mom and dad (or favorite relative) you love them. Call them right now and say it for no reason other than it being true.16. Make a spontaneous play date. Invite people over right now, for no reason but to have fun, even if you have plans scheduled for the weekend with them.17. Eat lunch on a rock with a friend. You don’t need a restaurant or a cafeteria. Channel the good old days from camp when a little sand in your PB & J meant a lunchtime adventure.18. Ask for help if you need it. Just like you used to pull your desk next to someone else’s to read along, walk up to someone you trust and let them be there for you.19. Tap into your innocence—meaning give someone the benefit of the doubt, as if you don’t know yet to be cynical.Create20. Make a card by hand to give to someone you care about. As Pablo Picasso said, “All children are artists. The problem is how to remain an artist once he grows up.”21. Get messy when you’re cooking. Not tomato-sauce-on-the-ceiling-fan messy. The point is: let loose and enjoy yourself instead of making cooking a chore.22. Start a piggy bank. Or a coin jar. You don’t need to save big to save, and you never know what little adventures you can have with just a little extra cash.23. Try a hands-on project from the Be Creative! Adults section of the Creativity Portal, like gum wrapper origami.24. Assume you’d be really good at something—piano, rock climbing, organizing a club—and then find out instead of assuming the opposite.Be25. Sit Indian style in your chair if you’re able. Crossed-legged sitting is actually really good for your posture—an added bonus!26. Surround yourself with your favorite color. If orange makes you smile, plaster orange pictures all over your cubicle.27. Cry if you need to. If the day gets difficult, don’t try to be a hero. When you let yourself feel it, you’re better able to let it go.28. Relax and do nothing. Don’t try to fill that empty pocket of time. You’ve been productive enough. Kick back, cut loose, and let yourself waste a little time. As John Lennon said, “Time you enjoyed wasting was not wasted.”Imagine29. Forget what was tough about yesterday. Why dwell on that fight with your sister when you could be having fun today?30. Change your mind easily. According to Alison Gopnik, a professor of psychology at the University of California at Berkeley, kids’ brains are extremely flexible, “so they can change what they think based on new evidence very quickly and easily.”31. Visualize a tomorrow with endless possibilities. Not sure you can be the person you want to be? Read 10 Ways to Be the Person You Wanted to Be as a Kid.32. Don’t take no for an answer. If there’s something you want to do, be persistent. You can make it happen!33. Ignore something someone says if it limits you, your potential or your possibilities.
It comes as no surprise the adoption of social media has created many grey areas in the rules and interpretation of regulation and compliance. Social media profiles on LinkedIn or Twitter accounts can be seen as advertising for professional services, and in FINRA's view considered equivalent to a poster or flier that needs to be peer reviewed and documented by compliance officers.A compliance officer must be notified of all changes to social profiles including "likes," endorsements, connections and comments. "That's one of the toughest things to deal with at large scale," says Bruce Milne, chief marketing officer at Socialware, a social business solution provider for regulated industries.Due to the onerous archiving and compliance requirements the great majority of financial firms choose to stay out of the social sphere, but ING US (soon to be VOYA Financial) is taking on the challenge. In collaboration with Socialware, ING recently announced it will begin to roll out of LinkedIn profiles for its 2,400 financial advisors.Strict Compliance"We had a very strict policy in place," explains Ann Glover, chief marketing officer for ING US. "Our financial service advisors were not able to use LinkedIn until we could figure out a way for them to use it in a compliant manner."Now, after a successful pilot with 10 users, ING is opening the program to a waiting list of over 100 advisors by year end. Word of mouth has spread quickly and Milne reports several inbound calls each day from advisors interested in joining the wait list.From a business perspective, Glover says LinkedIn is an ideal place for advisors to manage relationships with current and prospective clients and to keep in touch as clients go through life events. "Only about 40 percent of the workforce is prepared for retirement," she says, "The direct demographic of LinkedIn is the target of ING, largely around preparing for a predictable and secure financial future."Glover doesn't seem to worry about the chances of advisors being approached by recruiters who patrol LinkedIn for new hires, and says that because most of their industry peers do not allow advisors to use LinkedIn it is considered an attractive employee benefit.Building the GuardrailsUnlike Facebook, LinkedIn's terms of service dictate users not have more than one account. Also unlike Facebook, FINRA's interpretation of LinkedIn is the site is intended for business purposes only. The actions of the users therefore reflect the opinions and recommendations of their firm.Imagine, for example, an advisor has a laugh over an article about a survivalist who moves all their cash assets to gold and farmland, he hits "like" to share with his connections in good humor. A client could read that article and take the advice, however ridiculous. Legally there would be nothing to stop a client from going back to the firm and making a plausible case they received bad advice from the advisor. The same follows for a retweet on Twitter or repost on Facebook -- they are all motions of endorsing from the point of view of the advisor."You can't safely use "like" features with tongue in cheek," explains Milne. "There's no sense of irony in a like, so a lot of firm want to preclude users from using that feature."To accommodate these unique needs of the financial service industry Socialware recently announced it has collaborated with LinkedIn to extend their programming interfaces, allowing firms to build guardrails that disable certain "risky" features. "We work with LinkedIn to act on behalf of our customers, advocating for the API published fields they need."Through the interface, which acts as a proxy between the network and advisor, firms can publish a preapproved and recorded profile in full instead of going through the user interface line by line, saving time and stress for compliance. Disclosures can also be embedded into profiles that decrease the risk of participation. Depending on the firm's appetite for risk, guardrails may prevent users from making endorsements, which are also considered to be a recommendation by the advisor's company."When advisor accepts changes, makes an edit or presses submit, it goes in to compliance for approval," he explains. "Compliance need tools to make sure they aren't making unapproved changes to the profile, and they need a system to catch unapproved changes at enterprise scale."One of the other things that's messy about LinkedIn and worked into the interface, says Milne, is you cant stop others from endorsing you, even if the skill is completely unrelated to the field. "It's a goofy deal that sets a lot of compliance officers off … We're working with LinkedIn so advisors and compliance can decline a skill. And if they are there we can suppress them so others can't see."He adds that according to the regulations users can not be put out a compliance for a third party aspect. "If something is written on your wall that you don't like, nothing precludes you from deleting it, and nothing puts you out of compliance for having it there. It's neither your fault nor responsibility. They can go ahead and delete but it will be archived."Pre-Approved ContentSo what else can advisors do within the confines of preapproved liking, sharing, posting and endorsing?As Milne puts it, you can't just send users out into the wild and hope they're productive. There are two essential elements to building an ecosystem around advisors: Support from readily available compliance officers who can approve posts in a timely manner, and a marketing team to create preapproved content for them to post."It's extremely efficient once you have a content machine in place," says Glover based on ING's pilot. "The social software enables us to populate preapproved content financial representatives can access. It makes it easy for the advisors to go in and click on what they want to post, and they can add a personal greeting."It's felt preapproved posts help advisors participate in the conversations of the network. "This is part of a bigger effort to meet consumers where consumers want to be," she adds. "We want to be where the future is and our advisors have said they want to be participating in this great new avenue that's been opened up to them. It can help deepen business relationship and grow new relationships so we're very excited to be opening up that door for our financial service advisors."Across the IndustrySocialware has worked with a number of financial clients including Morgan Stanley's 8,000 advisors' social profiles. Edward Jones had a large 3,500 advisor deployment now nearing 5,000, and Guardian Insurance now has over 3,000 users on LinkedIn.ING's rollout is representative of most financial service firms, says Milne. He expects that given the positive responses from the pilot, and Glover's statement that they will not artificially delay anyone that wants to join, ING will be well over the initial goal of 100 advisors on LinkedIn by the end of the year.Milne says the next step for the industry will be applying different sets of rules for different users, such as insurance brokers, wealth managers, bankers, and more. "All have uses for LinkedIn and other social channels but they are different uses and so are the rules that apply to them."
ING joins Morgan Stanley, Edward Jones, Guardian and other top firms deploying enterprise rollouts of @socialware.
WASHINGTON (AP) — Singer Courtney Love hadn't been born and tweeting was reserved for birds when The New York Times won a landmark libel case at the Supreme Court in 1964.But when a California jury decided recently that Love shouldn't have to pay $8 million over a troublesome tweet about her former lawyer, she became just the latest person to lean on New York Times v. Sullivan, a case decided 50 years ago Sunday, and the cases that followed and expanded it.The Sullivan case, as it is known among lawyers, stemmed from Alabama officials' efforts to hamper the newspaper's coverage of civil rights protests in the South. The decision made it hard for public officials to win lawsuits and hefty money awards over published false statements that damaged their reputations.In the decades since, the justices have extended the decision, making it tough for celebrities, politicians and other public figures to win libel suits.Newspapers, magazines, radio and television stations were the primary means of publishing when the Sullivan case was decided. Today, the case applies equally to new media such as Twitter, Facebook and blogs. Because of the ease of publishing online, more people may claim the protections granted by the decision and others that followed."It seems reasonably clear that the protections afforded by Sullivan and the cases that came after it apply to both media and non-media speakers," said Lee Levine, a First Amendment lawyer who co-wrote a recent book on the case."Technology has afforded everyone — and not just people who can afford to buy a printing press or own a broadcast station — the ability to disseminate information to the world. That has increased the opportunities for those people to publish defamatory statements to a very broad audience," Levine said.Levine said it's unclear whether that opportunity will lead to more libel suits, cases brought over the publication of false information that injures someone's reputation. More ways to communicate could mean more suits, or there could be fewer because people may discount what they read online, and it may not be worth suing individuals who don't have corporations' wealth.Or there may be other explanations."Today one of the reasons I think we don't have as many libel cases is not just because the Sullivan rule is so widely accepted by everyone, but in a digital world there's so much greater opportunity for response," said Bruce W. Sanford, a Washington-based First Amendment lawyer.If one person says something untrue online, the person being spoken about has many more avenues to reply, agreed David Ardia, a University of North Carolina law professor and the co-director of the school's Center for Media Law and Policy. In the 1960s, the only way to respond to libel and "reach an audience was to get into the same newspaper, and that's no longer the case," he said, adding that the "megaphone" of the Internet is available to everyone.The Internet was a long way off when the Sullivan case began in 1960. It started when the Times published a civil rights group's full-page ad, with the title "Heed Their Rising Voices," that described the brutal treatment of civil rights demonstrators in the South.Egged on by a local newspaper editorial urging all Alabamians to sue, a Montgomery, Ala., city official named L.B. Sullivan claimed his reputation had been sullied by the ad's errors, though neither he nor any other official was named in it. Under state law preceding the Supreme Court decision, Sullivan won a judgment of $500,000, and the Times faced millions more in other suits.The legal peril prompted the Times to pull all its reporters out of Alabama at a time of keen news interest in the civil rights movement.Sullivan ultimately lost at the Supreme Court. Justice William Brennan, writing for a unanimous court, acknowledged that published errors can harm a person's reputation. But Brennan, himself ambivalent about reporters even as he emerged as a defender of press freedoms, and his colleagues also decided that it should be tough for public officials to win libel suits.False statements are an inevitable part of the free debate that is fundamental to the American system of government and must be protected, Brennan wrote. The only way to win: Show that the false statement was made knowingly or with "reckless disregard for the truth." The decision freed news organizations to write about the civil rights movement without fearing lawsuits.The Sullivan decision and others that followed haven't been without criticism, however, including some from three justices now on the Supreme Court.At her high court confirmation hearing in 2010, Elena Kagan said the principle laid out in the case is vital to free speech, but she noted that it allows for serious harm to a person's reputation without any compensation or remedy.Chief Justice John Roberts wrote in a 1985 memo as a White House lawyer that he favored making it easier for public figures to win in libel cases, while limiting the financial threat to the losing side.Justice Antonin Scalia has been quoted as saying he would probably vote to reverse the decision if given the chance.Still, scholars including Robert Sack, a federal judge who specialized in media law while in private practice, say the Sullivan decision has become so much part of the law that it's hard to see it being overturned.That means anyone finding themselves in singer Love's situation may turn to the decision. In Love's case, the singer tweeted about a former lawyer, writing that the woman had been "bought off" in a suit involving the estate of Love's late husband, musician Kurt Cobain. The lawyer, Rhonda Holmes, sued for $8 million, claiming the tweet was false and had hurt her reputation.But Holmes ran up against the Sullivan rule. A jury found in January that though Love published a false statement, she didn't know it was false.Holmes' lawyer, Mitchell Langberg, said he knew it would be a difficult case. Still, he advised Twitter users: "Careful what you tweet."___Associated Press reporter Mark Sherman contributed to this report.
Very interesting applications in new media libel cases.
Do the term "beauty sleep" justice by following these skin and hair tips from dermatologists.
You might think you're off the clock when it comes to your beauty routine while you sleep, but your slumber hours play an important role in how you look. "Beauty sleep is essential for repairing the skin," says Dr. Debra Jaliman, a New York City dermatologist and author of Skin Rules. If you want your skin and hair to look younger and healthier during the day, it's time to adopt these nighttime habits.1. Sleep on a satin or silk pillowcase.These fibers will keep you from waking up with a bird's nest on top of your head, and their texture softens wrinkles and fine lines because it causes less friction between your skin and the pillowcase. "Silk is easier on hair — it helps avoid tangles and breakage," says Jesleen Ahluwalia, M.D., a physician from Spring Street Dermatology in New York City. "It's also better for the skin because the material glides easily and prevents creasing and wrinkles."2. Sleep on your back.Speaking of wrinkles, sleeping on your back can help nip them in the bud before they even start to form. "Repeated pressure on the skin, causing creasing, can eventually lead to set-in lines," says Ahluwalia. "A person who sleeps on one side may even have more set-in wrinkles on that particular side compared to the other.” If you tend to have puffy eyes in the morning, try sleeping with an extra pillow. "When you lie flat, fluid can gather around your eyes," Elizabeth Tanzi, M.D., a dermatologist in Washington, D.C., told Good Housekeeping.3. Moisturize, moisturize, moisturize.For a fresh, dewy look in the morning, make sure to use an anti-aging night cream that contains hyaluronic acid. It attracts water into the skin, which helps smooth wrinkles, Francesca Fusco, M.D., a New York City dermatologist, told Good Housekeeping. Dr. Jaliman recommends always applying lip balm before sleep, moisturizing your eyelashes with a lash conditioner, and never skipping your nightly beauty cream or serum. These products work better during the "repair cycle of the skin," which is at night, she says.4. Change your pillowcases often."Wash your pillowcases frequently, so you’re not resting your lovely skin on top of bacteria nests for eight hours a night," advises Chicago makeup artist Alle Connell. Dr. Ahluwalia says you should not only change your pillowcases twice a week, but flip your pillows over on days you're not changing them.5. Sleep with a humidifier on.You probably already know that drinking tons of water is good for your skin — but since you can't do that in your sleep (you'd have to be really talented), try using a humidifier to keep yourself hydrated at night. This is especially helpful during the winter, when your skin tends to be much drier.6. Stay away from super-salty foods and booze around bedtime."When you consume a lot of alcohol, your body becomes dehydrated," says Dr. Fusco. "To compensate, it starts collecting natural fluids around the eyes, among other places." A similar thing happens with salt, leading to that dreaded puffy-eye look. If you indulged in some chips and a glass of Chardonnay anyway, try the above extra-pillow trick to help drain fluids.7. Wear your hair up — but not in a super-tight bun.It's a good idea to keep your hair out of your face while you're sleeping to keep its natural oils from wreaking havoc on your complexion. But avoid pulling it into a really tight bun or ponytail because that can cause hair breakage, especially around the hairline. Connell suggests wrapping it up in a scarf (silk would be ideal), while Dr. Ahluwalia says that high, loose ponytail is a great way to keep your most recent blowout intact.8. Go to bed with a clean face."So many people sleep with their makeup on and wonder why they wake up with funky eye gunk in the morning," Emily Kate Warren, a New York City makeup artist, told Good Housekeeping. "That's why." Aside from funky eye gunk, not taking off your makeup before sleep causes pore-clogging, which can lead to breakouts.Via GoodHousekeeping.com
We’re continuing to learn new details about how the American government is collecting bulk records of citizens’ communications -- from demanding that a telephone company hand over the daily records of “all telephone calls in its systems,” to collecting an unknown number of emails, instant messages and Facebook messages.It’s not clear how much information about ordinary people’s conversations the National Security Agency has gathered. But we do know there’s a thriving public market for data on individual Americans -- especially data about the things we buy and might want to buy.Consumer data companies scoop up large amounts of consumer information about people around the world and sell it, providing marketers details about whether you're pregnant or divorced or trying to lose weight, about how rich you are and what kinds of cars you drive. But many people still don't know data brokers exist.Regulators and some in Congress have been taking a closer look at this industry, and are beginning to push the companies to give consumers more information and control over what happens to their data. The prominent data broker Acxiom recently launched aboutthedata.com, a site that allows you to review some of the information the company has connected to your name -- and, potentially, edit and update it as well.Here's a look (originally published in March) at what we know about the consumer data industry.How much do these companies know about individual people?They start with the basics, like names, addresses and contact information, and add on demographics, like age, race, occupation and "education level," according to consumer data firm Acxiom's overview of its various categories.But that's just the beginning: The companies collect lists of people experiencing "life-event triggers" like getting married, buying a home, sending a kid to college — or even getting divorced.Credit reporting giant Experian has a separate marketing services division, which sells lists of "names of expectant parents and families with newborns" that are "updated weekly."The companies also collect data about your hobbies and many of the purchases you make. Want to buy a list of people who read romance novels? Epsilon can sell you that, as well as a list of people who donate to international aid charities.A subsidiary of credit reporting company Equifax even collects detailed salary and paystub information for roughly 38 percent of employed Americans, as NBC news reported. As part of handling employee verification requests, the company gets the information directly from employers.Equifax said in a statement that the information is only sold to customers "who have been verified through a detailed credentialing process." It added that if a mortgage company or other lender wants to access information about your salary, they must obtain your permission to do so.Of course, data companies typically don't have all of this information on any one person. As Acxiom notes in its overview, "No individual record ever contains all the possible data." And some of the data these companies sell is really just a guess about your background or preferences, based on the characteristics of your neighborhood, or other people in a similar age or demographic group.Where are they getting all this info?The stores where you shop sell it to them.Datalogix, for instance, which collects information from store loyalty cards, says it has information on more than $1 trillion in consumer spending "across 1400+ leading brands." It doesn't say which ones. (Datalogix did not respond to our requests for comment.)Data companies usually refuse to say exactly what companies sell them information, citing competitive reasons. And retailers also don't make it easy for you to find out whether they're selling your information.But thanks to California's "Shine the Light" law, researchers at U.C. Berkeley were able to get a small glimpse of how companies sell or share your data. The study recruited volunteers to ask more than 80 companies how the volunteers' information was being shared.Only two companies actually responded with details about how volunteers' information had been shared. Upscale furniture store Restoration Hardware said that it had sent "your name, address and what you purchased" to seven other companies, including a data "cooperative" that allows retailers to pool data about customer transactions, and another company that later became part of Datalogix. (Restoration Hardware hasn't responded to our request for comment.)Walt Disney also responded and described sharing even more information: not just a person's name and address and what they purchased, but their age, occupation, and the number, age and gender of their children. It listed companies that received data, among them companies owned by Disney, like ABC and ESPN, as well as others, including Honda, HarperCollins Publishing, Almay cosmetics, and yogurt company Dannon.But Disney spokeswoman Zenia Mucha said that Disney's letter, sent in 2007, "wasn't clear" about how the data was actually shared with different companies on the list. Outside companies like Honda only received personal information as part of a contest, sweepstakes, or other joint promotion that they had done with Disney, Mucha said. The data was shared "for the fulfillment of that contest prize, not for their own marketing purposes."Where else do data brokers get information about me?Government records and other publicly available information, including some sources that may surprise you. Your state Department of Motor Vehicles, for instance, may sell personal information — like your name, address, and the type of vehicles you own — to data companies, although only for certain permitted purposes, including identify verification.Public voting records, which include information about your party registration and how often you vote, can also be bought and sold for commercial purposes in some states.Are there limits to the kinds of data these companies can buy and sell?Yes, certain kinds of sensitive data are protected — but much of your information can be bought and sold without any input from you.Federal law protects the confidentiality of your medical records and your conversations with your doctor. There are also strict rules regarding the sale of information used to determine your credit-worthiness, or your eligibility for employment, insurance and housing. For instance, consumers have the right to view and correct their own credit reports, and potential employers have to ask for your consent before they buy a credit report about you.Other than certain kinds of protected data — including medical records and data used for credit reports — consumers have no legal right to control or even monitor how information about them is bought and sold. As the FTC notes, "There are no current laws requiring data brokers to maintain the privacy of consumer data unless they use that data for credit, employment, insurance, housing, or other similar purposes."So they don't sell information about my health?Actually, they do.Data companies can capture information about your "interests" in certain health conditions based on what you buy — or what you search for online. Datalogix has lists of people classified as "allergy sufferers" and "dieters." Acxiom sells data on whether an individual has an "online search propensity" for a certain "ailment or prescription."Consumer data is also beginning to be used to evaluate whether you're making healthy choices.One health insurance company recently bought data on more than three million people's consumer purchases in order to flag health-related actions, like purchasing plus-sized clothing, the Wall Street Journal reported. (The company bought purchasing information for current plan members, not as part of screening people for potential coverage.)Spokeswoman Michelle Douglas said that Blue Cross and Blue Shield of North Carolina would use the data to target free programming offers to their customers.Douglas suggested that it might be more valuable for companies to use consumer data "to determine ways to help me improve my health" rather than "to buy my data to send me pre-paid credit card applications or catalogs full of stuff they want me to buy."Do companies collect information about my social media profiles and what I do online?Yes.As we highlighted last year, some data companies record — and then resell — all kinds of information you post online, including your screen names, website addresses, interests, hometown and professional history, and how many friends or followers you have.Acxiom said it collects information about which social media sites individual people use, and "whether they are a heavy or a light user," but that they do not collect information about "individual postings" or your "lists of friends."More traditional consumer data can also be connected with information about what you do online. Datalogix, the company that collects loyalty card data, has partnered with Facebook to track whether Facebook users who see ads for certain products actually end up buying them at local stores, as the Financial Times reported last year.Is there a way to find out exactly what these data companies know about me? (Updated 9/5/2013)Not really -- although that’s beginning to change.You have the right to review and correct your credit report. But with marketing data, there's often no way to know exactly what information is attached to your name — or whether it's accurate.Most companies offer, at best, a partial picture.In September, Acxiom debuted aboutthedata.com, which allows to you review and edit some of the company’s marketing data on you, by entering your name, address, birth date and the last four digits of your social security number.The Federal Trade Commission’s Julie Brill tweeted that “more data brokers should follow” Acxiom’s example. But the effort received mixed reviews from users, privacy advocates and government regulators, the New York Times reported.Previously, Acxiom only let customers review a smaller slice of the information the company sells about them, including criminal history, as New York Times reporter Natasha Singer described last year. When Singer requested and finally received her report in 2012, all it included was a record of her residential addresses.Other companies also offer some access. A spokeswoman for Epsilon said it allows consumers to review "high level information" about their data — like whether or not you’ve purchased "home furnishings" merchandise. (Requests to review this information cost $5 and can only be made by postal mail.)RapLeaf, a company that advertises that it has "real-time data" on 80 percent of U.S. email addresses, says it gives customers "total control over the data we have on you," and allows them to review and edit the categories it associates with them (like "estimated household income" and "Likely Political Contributor to Republicans").How do I know when someone has purchased data about me?Most of the time, you don't.When you're checking out at a store and a cashier asks you for your Zip code, the store isn't just getting that single piece of information. Acxiom and other data companies offer services that allow stores to use your Zip code and the name on your credit card to pinpoint your home address — without asking you for it directly.Is there any way to stop the companies from collecting and sharing information about me?Yes, but it would require a whole lot of work.Many data brokers offer consumers the chance to "opt out" of being included in their databases, or at least from receiving advertising enabled by that company. Rapleaf, for instance, has a "Permanent opt-out" that "deletes information associated with your email address from the Rapleaf database."But to actually opt-out effectively, you need to know about all the different data brokers and where to find their opt-outs. Most consumers, of course, don't have that information.In their privacy report last year, the FTC suggested that data brokers should create a centralized website that would make it easier for consumers to learn about the existence of these companies and their rights regarding the data they collect.How many people do these companies have information on?Basically everyone in the U.S. and many beyond it. Acxiom, recently profiled by the New York Times, says it has information on 500 million people worldwide, including "nearly every U.S. consumer."After the 9/11 attacks, CNN reported, Acxiom was able to locate 11 of the 19 hijackers in its database.How is all of this data actually used?Mostly to sell you stuff. Companies want to buy lists of people who might be interested in what they're selling — and also want to learn more about their current customers.They also sell their information for other purposes, including identity verification, fraud prevention and background checks.If new privacy laws are passed, will they include the right to see what data these companies have collected about me?Unlikely.In a report on privacy last year, the Federal Trade Commission recommended that Congress pass legislation "that would provide consumers with access to information about them held by a data broker." President Barack Obama has also proposed a Consumer Privacy Bill of Rights that would give consumers the right to access and correct certain information about them.But this probably won't include access to marketing data, which the Federal Trade Commission considers less sensitive than data used for credit reports or identity verification.In terms of marketing data, "we think at the very least consumers should have access to the general categories of data the companies have about consumers," said Maneesha Mithal of the FTC's Division of Privacy and Identity Protection.Data companies have also pushed back against the idea of opening up marketing profiles for individual consumers' inspection.Even if there were errors in your marketing data profile, "the worst thing that could happen is that you get an advertising offer that isn't relevant to you," said Rachel Thomas, the vice president of government affairs at the Direct Marketing Association."The fraud and security risks that you run by opening up those files is higher than any potential harm that could happen to the consumer," Thomas said.
Joss Stone performing Dusty Springfield's 'Son of a Preacher Man' at the UK Music Hall of Fame on 14/11/06.
Great performance as she walks around barefoot!
Exclusive: web's inventor warns neutrality under sustained attack from governments and corporations The inventor of the world wide web believes an online "Magna Carta" is needed to protect and enshrine the independence of the medium he created and the rights of its users worldwide.Sir Tim Berners-Lee told the Guardian the web had come under increasing attack from governments and corporate influence and that new rules were needed to protect the "open, neutral" system.Speaking exactly 25 years after he wrote the first draft of the first proposal for what would become the world wide web, the computer scientist said: "We need a global constitution – a bill of rights."Berners-Lee's Magna Carta plan is to be taken up as part of an initiative called "the web we want", which calls on people to generate a digital bill of rights in each country – a statement of principles he hopes will be supported by public institutions, government officials and corporations.Advertisement"Unless we have an open, neutral internet we can rely on without worrying about what's happening at the back door, we can't have open government, good democracy, good healthcare, connected communities and diversity of culture. It's not naive to think we can have that, but it is naive to think we can just sit back and get it."Berners-Lee has been an outspoken critic of the American and British spy agencies' surveillance of citizens following the revelations by National Security Agency whistleblower Edward Snowden. In the light of what has emerged, he said, people were looking for an overhaul of how the security services were managed.His views also echo across the technology industry, where there is particular anger about the efforts by the NSA and Britain's GCHQ to undermine encryption and security tools – something many cybersecurity experts say has been counterproductive and undermined everyone's security.Principles of privacy, free speech and responsible anonymity would be explored in the Magna Carta scheme. "These issues have crept up on us," Berners-Lee said. "Our rights are being infringed more and more on every side, and the danger is that we get used to it. So I want to use the 25th anniversary for us all to do that, to take the web back into our own hands and define the web we want for the next 25 years."The web constitution proposal should also examine the impact of copyright laws and the cultural-societal issues around the ethics of technology.While regional regulation and cultural sensitivities would vary, Berners-Lee said he believed a shared document of principle could provide an international standard for the values of the open web.He is optimistic that the "web we want" campaign can be mainstream, despite the apparent lack of awareness of public interest in the Snowden story."I wouldn't say people in the UK are apathetic – I would say that they have greater trust in their government than other countries. They have the attitude that we voted for them, so let them get on and do it."But we need our lawyers and our politicians to understand programming, to understand what can be done with a computer. We also need to revisit a lot of legal structure, copyright law – the laws that put people in jail which have been largely set up to protect the movie producers … None of this has been set up to preserve the day to day discourse between individuals and the day to day democracy that we need to run the country," he said.Berners-Lee also spoke out strongly in favour of changing a key and controversial element of internet governance that would remove a small but symbolic piece of US control. The US has clung on to the Iana contract, which controls the dominant database of all domain names, but has faced increased pressure post-Snowden.He said: "The removal of the explicit link to the US department of commerce is long overdue. The US can't have a global place in the running of something which is so non-national. There is huge momentum towards that uncoupling but it is right that we keep a multi-stakeholder approach, and one where governments and companies are both kept at arm's length."Berners-Lee also reiterated his concern that the web could be balkanised by countries or organisations carving up the digital space to work under their own rules, whether for censorship, regulation or commerce.We all have to play a role in that future, he said, citing resistance to proposed copyright theft regulation.He said: "The key thing is getting people to fight for the web and to see the harm that a fractured web would bring. Like any human system, the web needs policing and of course we need national laws, but we must not turn the network into a series of national silos."Berners-Lee also starred in the London 2012 Olympics, typing the words "this is for everyone" on a computer in the centre of the arena. He has stuck firmly to the principle of openness, inclusivity and democracy since he invented the web in 1989, choosing not to commercialise his model. Rejecting the idea that government and commercial control of such a powerful medium was inevitable, Berners-Lee said it would be impossible: "Not until they prise the keyboards from our cold, dead fingers."Creator of web free to use for everyoneAs a boy growing up in south-west London, Tim Berners-Lee was a keen trainspotter, which led to his interest in model railways and then electronics.But computers were already familiar concept in the family home – both his parents worked on the creation of the world's first commercially built computer, the Ferranti Mk1.Berners-Lee got a first in physics at Oxford and then worked in a series of engineering roles. But it was at Cern, the European Organisation for Nuclear Research, in Geneva where he embarked on projects which would lead to the creation of the world wide web.His aim was to allow researchers all over the world to share documents and his first proposals were judged as "vague but interesting" by a manager at Cern.He combined existing technology such as the internet and hypertext and combined them to produce an immense interconnected document storage system. Berners-Lee labelled it the world wide web, although his Francophone collaborators found it difficult to pronounce.The web was first open to new users in 1991, and in 1992, the first browser was created to scan and select the millions of documents which already existed.Although the web has seen the creation and loss of countless fortunes, Berners-Lee and his team ensured that it was free to use for everyone.Berners-Lee now works through various organisations to ensure that the web is accessible to all and that the concept of the neutrality of the net is observed by governments and corporations.
Today is the 25th anniversary of the World Wide Web. http://www.webat25.org/
Great discussion on open data usage by the awesome Alex Howard. A very interesting interview with the creator of the Web, Tim Berners-Lee,.
They almost look like stuffed animals.
Love this pic from @BabyAnimalPics #Kittehs
Time Magazine recently put “The Mindfulness Revolution” on its cover, which could either be seen as hyping the latest business fad, or as signaling a major change in the thinking of executive leaders. I believe it’s the latter.The use of mindful practices like meditation, introspection, and journaling are taking hold at such successful enterprises as Google, General Mills, Goldman Sachs, Apple, Medtronic, and Aetna, and contributing to the success of these remarkable organizations. Let’s look at a few examples: With support from CEO Larry Page, Google’s Chade-Meng Tan, known as Google’s Jolly Good Fellow, runs hundreds of classes on meditation and has written a best-selling book, Search Inside Yourself.
General Mills, under the guidance of CEO Ken Powell, has made meditation a regular practice. Former executive Janice Marturano, who led the company’s internal classes, has left the company to launch the Institute for Mindful Leadership, which conducts executive courses in mindfulness meditation.
Goldman Sachs, which moved up 48 places in Fortune Magazine’s Best Places to Work list, was recently featured in Fortune for its mindfulness classes and practices.
At Apple, founder Steve Jobs — who was a regular meditator — used mindfulness to calm his negative energies, to focus on creating unique products, and to challenge his teams to achieve excellence.
Thanks to the vision of founder Earl Bakken, Medtronic has a meditation room that dates back to 1974 which became a symbol of the company’s commitment to creativity.
Under the leadership of CEO Mark Bertolini, Aetna has done rigorous studies of both meditation and yoga and their positive impact on employee healthcare costs.These competitive companies understand the enormous pressure faced by their employees — from their top executives on down. They recognize the need to take more time to reflect on what’s most important in order to create ways to overcome difficult challenges. We all need to find ways to sort through myriad demands and distractions, but it’s especially important that leaders with great responsibilities gain focus and clarity in making their most important decisions, creativity in transforming their enterprises, compassion for their customers and employees, and the courage to go their own way.Focus, clarity, creativity, compassion, and courage. These are the qualities of the mindful leaders I have worked with, taught, mentored, and interviewed. They are also the qualities that give today’s best leaders the resilience to cope with the many challenges coming their way and the resolve to sustain long-term success. The real point of leverage — which though it sounds simple, many executives never discover — is the ability to think clearly and to focus on the most important opportunities.In his new book Focus, psychologist Dr. Daniel Goleman, the father of emotional intelligence (or EQ), provides data that supports the importance of mindfulness in focusing the mind’s cognitive abilities, linking them to qualities of the heart like compassion and courage. Dr. Goleman prescribes a framework for success that enables leaders to build clarity about where to direct their attention and that of their organizations by focusing on themselves, others, and the external world — in that order. Cultivating this type of focus requires establishing regular practices that allow your brain to fully relax and let go of the anxiousness, confusion, and pressures that can fill the day. (Editor’s note: here is Daniel Goleman’s related HBR article, The Focused Leader.)I began meditating in 1975 after attending a Transcendental Meditation workshop with my wife Penny, and have continued the practice for the past 38 years. (In spite of this, I still do mindless things like leaving my laptop on an airplane, but I continue to work on staying in the present moment.) All of our family members meditate regularly. Our son Jeff, a successful executive in his own right, believes he would not be successful in his high-stress job were it not for daily meditation and jogging.Meditation is not the only way to be a mindful leader. In the classes I teach at Harvard Business School, participating executives share a wide range of practices they use to calm their minds and gain clarity in their thinking. They report that the biggest derailer of their leadership is not lack of IQ or intensity, but the challenges they face in staying focused and healthy. To be equipped for the rapid-fire intensity of executive life, they cultivate daily practices that allow them to regularly renew their minds, bodies, and spirits. Among these are prayer, journaling, jogging and/or physical workouts, long walks, and in-depth discussions with their spouses and mentors.The important thing is to have a regular introspective practice that takes you away from your daily routines and enables you to reflect on your work and your life — to really focus on what is truly important to you. By doing so, you will not only be more successful, you will be happier and more fulfilled in the long run.
"The use of meditation, introspection, and journaling are taking hold at successful enterprises."
“Don’t handicap your children by making their lives easy.” -Robert A. HeinleinWith the plethora of shopping opportunities, the ability to communicate across the world in an instant, and electronic entertainment coming from every direction, life in today’s world is fast-paced and full-on. Anything seems possible. And with so many options and devices at our disposal, parents can be tempted to make their kids’ lives very easy.Want that $2 toy? Okay, you got it. (Better to avoid a melt down, right?)However if we want our children to stand up to the inevitable challenges they will face in the future and keep going despite disappointment or frustration, we need to help our children develop resilience. This means they need to practice coping skills, and therefore need some challenges to practice these skills with.After all, life is not about figuring out how to turn off a thunderstorm or switch on the sun – no matter how much we would like this to be possible.Our children will learn to be much happier, more resilient people, when they can enjoy the sunshine when it is around and dance in the rain when there is no other choice.25 ideas for how you can teach your kids resilience:The list below is not your typical “do and don’t” list but rather a set of prompts to begin reflecting on ways we can teach our children resilience through simple interactions every day.* Give your child independence to try new things they initiate, such as climbing at the playground or opening a container, even if you think it is “too hard” for them.* Encourage your child to serve others or let others go first when sharing food.* Give your child the opportunity to wait patiently when it is required (such as in a restaurant or during a car ride); do not always provide entertainment.* Show your child that it is worth making a good decision for the long run even if it’s not the easiest, such as choosing healthy foods over junk foods even if they take longer to prepare.* Do not give your child every single physical thing they desire (toys, food, clothes, etc) even if “everyone else has it.”* Enable your child to give toys and clothes away regularly to charity, and teach them that material possessions are simply tools and not answers to happiness.* Give your child opportunities to help others younger than them, starting with simple ways such as showing the other child pictures in a book.* Teach your child to identify struggles as challenges to overcome, not tests to avoid, and teach them phrases such as “this too shall pass” or “every challenge makes you stronger” to spark this outlook.* Encourage your child to maintain a positive attitude about chores or homework by teaching them creative ways to find fun in work.* If your child is older, give them the chance to wait for family meals instead of snacking any time they want.* Remind your child to be patient with a younger sibling’s interference with their toys; teach them that relationships are more important than *things*.* Help your child learn self control regarding electronic mediums and entertainment by demonstrating your own restraint.* Allow your child to experience the extremes of temperature by dressing accordingly, not hiding away from the weather.* Resist the urge to run to your child’s rescue immediately, such as when you see them having trouble putting on clothes or feeding themselves.* Do not allow your child to interrupt when adults are speaking to one another; set up an age-appropriate method for them to practice taking their turn.* Give your child many opportunities to share their belongings and their food, by inviting guests over and setting up ways they can be generous.* Introduce new experiences to your child which will help them step outside their comfort zone, such as playing with children who speak another language and trying new foods.Resist the urge to run to your child’s rescue immediately, such as when you see them having trouble putting on clothes or feeding themselves.* Do not allow your child to interrupt when adults are speaking to one another; set up an age-appropriate method for them to practice taking their turn.* Give your child many opportunities to share their belongings and their food, by inviting guests over and setting up ways they can be generous.* Introduce new experiences to your child which will help them step outside their comfort zone, such as playing with children who speak another language and trying new foods.* Do not give in when you have set a limit, such as an amount of TV they can watch or how much dessert they can have.* When your child wants to find something, let them look for it.* Teach your child how to be responsible for their own clothes as early as possible: to sort and wash and put them away – including washing clothes by hand and hanging them out to dry.* Remind your children to do their best on school work, even if it means taking longer than they would like or staying up a bit later than normal.* Require that responsibilities be completed even when your child does not feel like it, such as making beds, taking a bath, feeding the pets, and brushing teeth.* When your child really wishes they had something, teach them to be grateful and find the best in whatever situation they are in.* Let your child own their feelings, even if they are challenging, by not belittling the emotions but giving them a way to maintain perspective through phrases such as “Every challenge makes me stronger” or “A rainbow will come after the storm.”* Enable your child to gain perspective about their reality by volunteering for charitable organizations that serve people who do not have the same life circumstances.