The No. 1 Personality Trait Linked To A Long Life

The No. 1 Personality Trait Linked To A Long Life:

 ‘The effects of just being positive are overstated,’ psychology expert says

Published Sun, Sep 17 2023   Aditi Shrikant

The number of people who are living to at least 100 years old in the U.S. has doubled over the past decade.   Many centenarians credit their longevity, at least in part, to their positive attitude.

Roslyn Menaker, 103, told The Guardian that “happiness, joy, appreciation … a positive outlook,” are why she has lived so long. Ruth Sweedler, 103, told CNBC Make It that she was always praised for her good attitude growing up. “When I walked into a classroom, my teacher would say, ‘Good morning, sunshine!’ Because I was so cheerful,” she said.

While seniors might feel being positive has played a role in their longevity, the relationship between personality and aging is more nuanced, says David Watson, a former professor of personality psychology at the University of Notre Dame.

“I think the effects of just being positive are overstated,” he says. But there are other traits he believes are closely linked to longevity.

‘Conscientious people don’t do stupid things’

When breaking down personality, it’s helpful to look at the Five Factor Model, a personality theory that suggests most people’s traits can be grouped into five categories: openness, conscientiousness, extroversion, agreeableness and neuroticism.

Conscientiousness, or how organized and disciplined you are, is the most related to longevity, Watson says.

This is likely because people with high degrees of conscientiousness are better at taking care of themselves. Conscientious people, for example, tend to drink alcohol in moderation and eat more balanced meals, he says.

“Conscientious people don’t do stupid things so they have lower rates of accidents and better health behaviors,” he says.

To continue reading, please go to the original article here:

https://www.cnbc.com/2023/09/17/this-is-the-nopoint1-personality-trait-linked-to-living-longer.html

China’s Qing Dynasty Collapsed For Reasons That Feel Eerily Familiar

China’s Qing Dynasty Collapsed For Reasons That Feel Eerily Familiar

BRIEFING #195  whitehatauxiliaries   September 13, 2023

Guest Feature  Qing dynasty ruler  Qing ruler Dorgon.

Salve Citizens,

As we close the 3rd quarter or 2023, most would agree that the general state of society is decaying and is in need of a serious change. Central to this for our purpose, is, of course, the natural curiosity about the Global Settlements. As much as we would love to have unrestricted news on the matter, such a thing is just not possible. What you see released here, to greater or lesser degree, is as good as it can be. And it’s far more accurate and reliable than what is claimed elsewhere.

Case in point. Here is a brief comment and description of a backchannel communication between the key London GS trustee and an eager bureaucrat who felt entitled to demand a timetable on his terms:

In a world where silent hands steer the fate of nations, the Elders of Asia who live in China and Taiwan have spoken. Backed by their Trusted Brit, even Xi has to answer, and is under their watchful eyes.

 “Because you don’t see it doesn’t mean its not happening”, as I responded to a pushy Lord today, when I asked who XXXXX are YOU? It’s done when we say its done. We say, we pay. Until then you XXXXX well go away!  Hardball, or we take them!

So, please remember, the highly sensitive nature of this process is requiring very guarded news concerning its progress and status. But, but no means are you to think that such tacitness is due to inactivity or failure.

China is not immune to the vagaries of world economics. They have a similar history of turmoil akin to that experienced by most other empires of the past. Today, however, the stakes are much higher and the penalties for failure are severe and swift. To maneuver such a hugely populated world from beneath a general collapse, while achieving and maintaining sensitive political consensus is going to take careful timing and skill. Such responsibilities are not placed in the hands of unproven, unaccomplished parvenus.

We can learn from this past example in China that great empires can falter if they do not act swiftly to events which require intelligent planning and execution. Take this as a reason that the present ongoing GS matters must be guided and implemented with great care, or we risk a collapse of unimaginable magnitude, in a world where thermonuclear thunderclaps may be the last sounds heard by man before our history disappears forever. – WHA

 To continue reading, please go to the original article here:

https://whitehatauxiliaries.com/2023/09/13/briefing-195/

Goldilocks' Comments and Global Economic News for Friday, September 1, 2023

Good morning Dinar Recaps,

Goldilocks posted comments and news links on the global financial system

SEBA Hong Kong has received the AIP for its licence application to operate regulated activities in Hong Kong to deal in securities, including virtual assets-related products, such as OTC derivatives and structured products; advise on securities and virtual assets; and conduct asset management for discretionary accounts in both traditional securities and virtual assets.

This license, when issued, will pave the way for SEBA Hong Kong to be part of the first group of licensed corporations in Hong Kong to conduct investment services with crypto capabilities in the market, making the Switzerland-headquartered bank a significant frontrunner in Hong Kong’s burgeoning crypto economy.

https://www.seba.swiss/media-and-investors/seba-hong-kong-awarded-approval-in-principle/

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Delinquencies on car loans, credit cards and consumer loans have hit their highest levels in a decade.

https://www.washingtonpost.com/business/2023/08/30/delinquencies-credit-auto-loans/

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The purpose of money is in our use of it as a means of exchange to buy goods and services at values predetermined by the worth of it placed upon the agreed-upon transaction itself.

Today, we are living in a time where those values are being challenged and forced to change around the world.

Currencies in the East are now being utilized as a means of value and in process of being determined for their values based upon the rate of their exchange through demand and the supply they hold of it.

Creating new values are determined by the people who use this money and those who govern it. (Money velocity) Because of these changes taking place, there is no doubt that a global Currency Reset is needed.

The question for many people out there is not if, but when will this take place. The simple answer is we already in the process of it.

There will come a time when new values will begin to form on chart calculations inside the market as the use of money in different areas of the country begin to put price pressures on these changes being created.

Bilateral agreements are happening hand over fist at this point. Many of these trades are no longer in the World Reserve Currency. Local economies in the East are utilizing their own paper money to fulfill trades. So, we watch and we wait. Changes are happening and prices are changed by price correlations formed through money velocity and digital transformations.

Around 90% of traded goods are carried over the waves. Here is the place where exports and imports shift the prices on goods and services by the demands placed on them.

Our shipping ports are becoming more and more digitized over time. The movement of money is increasing demand in order for supply to reach their destination at faster rates because of these digital integrations.

Watch the water.

© Goldilocks

https://www.stlouisfed.org/education/economic-lowdown-podcast-series/episode-9-functions-of-money

https://www.baltimorechronicle.com/maritime-digitization-market-report-overview-size-trends-growth-and-forecast-2029/

OECD Link

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US & Europe To Pay in Local Currencies For Oil After BRICS Expansion?

https://watcher.guru/news/us-europe-to-pay-local-currencies-for-oil-after-brics-expansion

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By the way, the changes we are now seeing in the monetary system came into play because of the new mechanism placed on the market. (SOFR) July1, 2023

© Goldilocks

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THE VISION FOR XLM STELLAR & CBDC'S ECOSYSTEM INSIGHT XLM RAILS BEING BUILT IN SILENCE

https://www.youtube.com/watch?v=gxaunouJLkQ

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People are beginning to pull their money off of digital exchanges right now in the crypto space.

Trillions of Shiba Inu tokens are just one of many cryptos leaving these exchangers.

Monetary policies on digital clarity are about to be unleashed from the Financial Stability Board at the G20 meeting.

Currently, this is causing the price of cryptocurrency to move into lower values. As clarity comes from the G20 meeting, look for new price action flows to enter into the market formulating authentic price patterns.

Just know, this is part of the transition into our new economy. On the other side of this transition, there will be new tokenized assets interfaced in the form of introductory coin/stock offerings placed into the system creating real values.

The process I am referring to does not happen all in one day, it will be phased in the rest of this year. Some assets will be mobilized quicker than others. Just stay watchful.

© Goldilocks

https://zycrypto.com/trillions-in-shiba-inu-tokens-leave-crypto-exchanges-shib-price-reacts/

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More court victories for the cryptocurrency market and a clearer view of the regulatory environment for decentralized applications
https://www.investorideas.com/news/2023/cryptocurrency/08311Court-Victories.asp

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The 10-year Treasury bond is on track for a third year of losses in 2023, something that hasn't happened in roughly 250 years of U.S. history.

In short, it has never happened, say strategists at Bank of America.

© GM

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Buckle up for a Wild Ride over the month of September 2023. 
 
Behind the scenes, EVERY bank on the planet is 100% insolvent and it's time to lay their cards on the table! 
 
Keep assets in your own possession ONLY!!
 
ALERT! COMEX Silver Beyond Broken! "September to Remember" Has Begun...WATCH THE BANKS! (Bix Weir)
https://youtu.be/843Q2YQbAz8

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Thank you Dinar Recaps

Notice of DinarAlert Closing

Note from Dinar Recaps: We are in no way affiliated with the website Dinar Alert We are only making this post as an information and courtesy to our readers - and the Dinar community - Thank You

Notice of DinarAlert Closing

DinarAlert is officially closing August 31, 2023.  The reason is the host is going out of business and will not be supporting the website any further.  That means, all information on the site will be lost at that time.  A decision to not rebuild with a new host was decided since the information, contacts, research and URL would not be salvageable.  Any such new site would be in essence 'brand new' and that is not what we want at DinarAlert.  DinarAlert was about truth, facts. 

Over the past 12+ years, we took the responsibility of providing accurate information seriously.  We wanted our members to be informed with the most accurate information possible.  Please download and save any information you wish to retain for reference.

 I want to personally thank all the moderators, administrators and members over the years for supporting the website.  Without you, there would have been no DinarAlert.  We hope each of you continue to find honest, truthful information to support your investment.

DinarAlert SMS text and Voice Call notification service is not ending.  If there ever is a significant change in value (in any form) a notice will be sent (providing your contact information is up to date).

 On behalf of everyone at DinarAlert, Admin Tgirl, Brandon, moderators Kaperoni, Tammy 44, Enorrste, Revbo, and many others over the years,  Thank you  Brandon

@NORV is @Kaperoni  28 Aug 2023, 12:45 PMNORV  I got a couple things in the fire I might do I might start my own blog or I might do like a monthly podcast. But I don't know.

Special DinarAlert Last Conference Call - Monday August 28th, 2023. Replay information 27 minutes. (in mp3 format for all devices) Download and then play may work better. *Some Apple devices may not play correctly.    2023-8-28.mp3   https://dinaralert.webs.com/DinarAlert8282023.mp3

Special DinarAlert Conference Call - Saturday June 24th 2023. Replay information 1 hour 40 minutes. (in mp3 format for all devices) Download and then play may work better. *Some Apple devices may not play correctly.  YouTube link also provided.  https://dinaralert.webs.com/2023-6-24.mp3

Jun 25, 2023  DinarAlert  June Conference Call -Saturday June 24, 2023. Follow along as Enorrste & Kaperoni host a DinarAlert conference call recorded Saturday June 24th, 2023. A must listen as they provide a factual realistic perspective on Iraq's accomplishments during 2023 and what to look forward to in 2024. DinarAlert is the leader in factual information on the pending appreciation of the Iraqi Dinar. Accurate currency information without the false rumors or hype. Complete forums and a live chat room. Revaluation SMS cellular phone text or voice call notification service. DinarAlert.web.com

Play  https://www.youtube.com/watch?v=yE2dCBZZdp8

DinarAlert Year-End Conference Call - Saturday December 10th 2022. Replay information 1 hour 46 minutes. (in mp3 format for all devices) Download and then play may work better. *Some Apple devices may not play correctly. YouTube link also provided.

Special DinarAlert Year-end Conference call-Saturday December 10th, 2022. Follow along as Enorrste and Kaperoni host a DinarAlert year-end conference call (recorded Saturday December 10th, 2022). A must listen as they provide a factual realistic perspective on Iraq's accomplishments during 2022 and what to look forward to in 2023.

DinarAlert is the leader in factual information on the pending appreciation of the Iraqi Dinar. Accurate currency information without the false rumors or hype. Complete forums and a live chat room. Revaluation SMS Cellular Phone Text or Voice Call notification service. DinarAlert.webs.com   

2022-12-10.mp3     https://dinaralert.webs.com/2022-10-12.mp3

https://youtu.be/JIryKn_wWWk             

Thoughts From DJ: "Intel concerning the GCR/RV, at times, can seem overwhelming"

DJ:  DID YOU KNOW?

This never ending cascade of Intel concerning the GCR/RV, at times, can seem overwhelming. How does an individual digest this information? One has to ask “what is the motivation behind the person, or persons, delivering the information?

Do these gurus have good intentions behind their efforts? It is not always the motives behind the action that makes it noble. Sometimes it’s as simple as the action itself. But at the end of the day “well done” is always better than “well said”.

Results are really all that matters. 50% of results is better than 100% of effort. All the efforts and good intentions of these Info streams, in the end can have damaging effects. I know that all of my words, if not well put are not well taken, are well meant.

But good intentions that are not wrapped in reason can lead to greater disasters than those actions built on ill will or stupidity.

It’s important to apply reason and common sense to the information one chooses to digest. In other words, never take any information for granted. Look behind the curtain and verify what has been said has actually been done before perceiving it as fact.

I’ve not seen any of the information these providers narrate ever come to pass. How many mistakes does it take before we realize the information presented is flawed, misrepresented or exaggerated? What gets my goat is the audience these Intel providers target. For the most part, those that I know who will be beneficiaries to the event plan on doing nothing but good for others.

 What is heartbreaking is the way this world is so mean to people with pure intentions and soft hearts. There is to much cruelty towards good people that instead of being cherished, they are actually being used. Instead of being appreciated and valued, they are taken for granted.

 We all know that person who’s there when needed and whose door is always wide open. So it is no wonder why the world is getting filthier and uglier. Since we always ruin everything beautiful left around, even those rare, kind and loving souls in our lives.

This mindset that the only way for perfect peace by man is absolute control of all wrongs is a long but dead end road. Bully cultures seem found with each and every mistake, another village idiot is shamed into nothingness and mindlessly shut down by the herd. This mentality will always be a superficial peace made by force and fear, one in which there is no freedom to breathe and the reason it is impossible for man to maintain freedom and peace for everyone at the same time.

For this utopian system we all expect to come from a GCR/RV/ Redemption, we must first praise, acknowledge and build on those kind souls who already exist. They are the foundation this new world should be built on. Strive to be them. One kind deed is more powerful than a thousand good intentions. Verify before accepting any narrative.

Burning bridges behind you is understandable. It’s the bridges before us that we burn, not realizing we need to cross, that brings regret.

DJ

https://www.rumormillnews.com/cgi-bin/forum.cgi?read=227558

What the $2.04 Billion Lottery Winner Did With Their Lump Sum Payout

What the $2.04 Billion Lottery Winner Did With Their Lump Sum Payout

Sean Fisher, AI Editor   Mon, August 14, 2023 

For most, winning the lottery is a distant dream. But for Edwin Castro, it became a reality when he struck gold with a $2.04 billion Powerball jackpot in November 2022, the largest in history.

Choosing a one-time lump-sum payment, Castro received an astonishing $997.6 million, just short of a billion. Here’s a look at how he has used his unexpected fortune.

High-End Real Estate Ventures

Shortly after his massive win, Castro treated himself to two opulent homes in California. He first bought a breathtaking $25.5 million mansion in Hollywood Hills in March 2023, three months after he claimed his lottery prize. According to several reports, the estate boasts an impressive 13,500-square-feet of luxury, with features like five bedrooms, seven bathrooms, a game room, a wine cellar, a movie theater, a bar, a fitness studio, and a spa.

In addition to its rich interior, the Hollywood Hills home offers the epitome of outdoor luxury, with an infinity pool, a fireplace, and seven-car garage, all encased by glass walls that provide a panoramic view of the Los Angeles cityscape.

To continue reading, please go to the original article here:

https://finance.yahoo.com/news/2-04-billion-lottery-winner-120009921.html

Tesla Technology History and Future

Tesla Technology History and Future

Final Wake Up Call By B Meyer  July 26 2023

‘Off – world’ Technology

The veil holding our souls captive on this planet, through the reincarnation process, will be lifted to free humanity, and evolve as the Creator intended for us.  ‘Off-the-world’ technology will become available that will fix everything that is wrong on earth, and can keep us young and healthy.

Technologies, like healing machines that have been in extra terrestrially operation for a very long time. Called MedBeds; “keeps us young and healthy” for as long as we want, which could be about 1,000 years before a new race reaches the next level.

In their obsession with the questions like;

 “When will the revelation come?”,

most people rarely ask useful questions about what might happen next. Some of the most fascinating developments to come relate to science and technology.

What scientific knowledge might aliens possess; what technology and knowledge might develop; and what might happen if we gain access to such technologies? Be assured that humans on Earth know only a thousandth of what is available to us today. More clarity will be provided in this article.

Nicola Tesla is the greatest inventor in human history

Nikola Tesla was a genius inventor who created some ground-breaking inventions. Tesla also collaborated with many big names and companies in history.

Serbian-American engineer and physicist Nikola Tesla (1856-1943) made dozens of breakthroughs in the production, transmission and application of electric power. He invented the first alternating current (AC) motor and developed AC generation and transmission technology.

Though he was famous and respected, but die to resistance from the Deep State Cabal most of his important invention never made it to market. He was also never able to translate many of his copious inventions into long-term financial success, unlike his early employer and chief rival, Thomas Edison who was notorious cabal member.

Since his ideas and inventions were considered far out at their time, Tesla is often featured in science fiction television shows and movies. To high light some of his most notable works and explorations, in this video some commonly asked questions about his geniality and his life are exposed.

Tesla was a key player in my years of research. Already several articles just on Tesla topics have been published on FWC-sites.

Tesla was involved in many innovative experiments, but the cabal did not want his inventions to better the life of humanity, in particular his free energy, for everyone on planet Earth.

The navy wanted to make battleships invisible.   It succeeded, but you could still see them through the wake in the water. This was the beginning of Tesla’s Stealth technology that is used in modern fighter planes today. Tesla may not have come from Earth and probably worked with other Universal races to develop his technology.

 Soon we will get the free energy the cabal did not want us to have.  Get ready for many shocking realities about to manifest. You have not seen anything yet.

The Tesla Tower could actually have powered the entire planet. No wires. All the ugly grid will come down or obsolete.

Tesla’s final years were filled with controversy and an apparent decline in his sanity. He would spend his last decade living alone in the Hotel New Yorker and working on new inventions even as his health and mental condition deteriorated.

Between 1933 and 1943, Tesla occupied a suites 3327 and 3328 at the Hotel New Yorker and he would rarely receive guests. He also ate an exclusively vegetarian diet and had his meals prepared for him personally by the hotel’s chef.

Tesla also apparently developed a fixation with the number three and would obsessively wash his hands and body after developing a form of mysophobia (germaphobia). In fact, when the hotel staff was permitted to enter his room, they were asked to remain at least three feet away from him.

On the 8th of January 1943, Tesla’s body was found in his hotel room. It was later discovered that he had died at approximately 10:45 pm on the 7th of January 1943. The visiting physician quickly qualified the cause of death to be coronary thrombosis.

A disorder normally caused by a build-up of cholesterol and fats in the blood vessel walls, primary causes for it are a high LDL cholesterol diet, smoking, a sedentary lifestyle, and hypertension. With such a strict diet, these conditions certainly would not have caused Tesla’s demise!

But this is not the entire story. Tesla also experienced a serious accident a few years before his death that may have contributed to his ultimate demise. In the autumn of 1937, Tesla left his hotel for his regular commute to the local cathedral and library.

While crossing the street, he was hit by a taxicab and thrown to the ground. This accident severely damaged his back and broke several ribs. He never consulted a doctor and apparently learned to cope with his injuries on his own. In other words the official cause of his death is questionable, especially as was known the cabal looked eagerly forward to his death.

Nikola Tesla Patents

Nikola Tesla was one of the most prolific and innovative engineers and inventors of the nineteenth and twentieth centuries. His illustrious inventive endeavours began in the early-1880s while he was working at the Central Telegraph Office in Budapest.

However, there is little or no information from that time about attempts to apply for patents for his work. Tesla’s first confirmed patent, for the electric arc lamp, was filed after his arrival in the United States, in March 1884.

The vast majority of his patents were filed after he left Edison Comp and founded his own company, ‘Tesla Electric Light and Manufacturing’. Up until 1928, Tesla appears to have protected many of his inventions with patents all across the world.

Below is a brief list of Nikola Tesla’s top inventions, far from complete and not in any specific order of invention.

Tesla Coil

Chances are that you have already seen this invention. It is a transformer used to produce high-voltage, low-current, high-frequency alternating-current electricity. To observers, it appears as if lightning is being shot into the air.

Magnifying Transmitter

Tesla had intended the Tesla coil to be part of a wireless energy system that was a cornerstone for many of Tesla’s other experiments. By running a wire connected to the resonator around his lab, he infused his lab with electromagnetic energy and was able to wirelessly light a fluorescent bulb he held in his hand because the voltage drop through the air was large enough to induce sufficient current.

Tesla Turbine

Tesla saw the rise of the piston engine in the automobile industry as a way to make a change in the world. He developed his own turbine-style engine that used combustion to make disks rotate. The fuel efficiency of his engine was as high as 90%, a big achievement considering this is similar to the efficiency of some modern turbines of today.

4 Shadowgraph

While Rontgen has been credited with developing the first X-ray films, called shadowgraphs, there is clear evidence that Tesla was also working in this area. The problem is that Tesla lost a lot of his work due to a fire in his lab.

Radio

Before his lab burned down, Tesla discovered that he could use his coils to transmit and receive powerful radio signals, tuning them to resonate at the same frequency. By early 1895, he was ready to transmit a signal 50 miles from his lab to West Point, New York. But the fire in Tesla’s lab destroyed his work.

While he was rebuilding, a young Italian experimenter named Guglielmo Marconi, who was working in England, took out the first wireless telegraphy patent. When Marconi later set up long-distance demonstrations, he used a Tesla oscillator to transmit the signals across the English Channel.

The Neon Lamp

Tesla did not invent fluorescent or neon lights, but he did contribute to improving both inventions. He took the lights and created the first neon sign.

At the 1893 Chicago World’s Fair, he demonstrated neon light signs and how they can make unique designs and even form words. Thanks to Tesla you can identify your favourite bar.

Niagara Falls Transformer House

When it came to deciding which company could build a power generator at Niagara Falls, Thomas Edison was the first choice. But after looking at Tesla’s work for Westinghouse Electric, the Niagara Falls commission chose Tesla’s alternating current system. Despite doubts, Tesla’s system worked well and became a standard for hydroelectric power..

The Induction Motor

The first AC commutator-free three-phase induction motor was invented independently by Galileo Ferraris and Nikola Tesla. Although Ferraris presented his engine first, in 1885, it was Tesla who filed for a patent first.

George Westinghouse, who was developing an alternating current power system at that time, licensed Tesla’s patents in 1888. This type of motor is commonly used in vacuums, blow dryers, and power tools, even today.

Radio-Controlled Boat

Tele-automation controlled the first radio-controlled boat designed by Tesla. After he was denied a patent because the patent office thought it was not feasible, he proved them wrong by demonstrating the boat at the Electrical Exhibition in 1898.

Alternating Current

Alternating current is considered Tesla’s greatest achievement. Although he was not the inventor of alternating current, he made it easier to use on a large scale.

AC power allows for electricity to be sent over long distances much more efficiently. Westinghouse bought Tesla’s AC patents and used them to bid on the lighting of the Chicago World’s Fair.

They won the contract and were able to provide power at around $150,000, which is less than it would have cost to provide power using direct current.

Go to this site to learn more about this once is a lifetime genius Nikola Tesla

Tesla’s apparent instinctive skill for invention and unfathomable imagination made him one of the most prolific inventors of our age.

Med Bed Frequency Healing never materialised

Nikola Tesla’s Frequency healing device is explained in this video.

Anyone who is not at the specific Earth frequency for awakening and healing to incoming ascension energies; or incoming waves of harmonic resonance, leading to unity consciousness, will either have to transform or fail.

This process consists of body and soul, and is not a fantasy, it is measurable, real science and fact; called Schumann resonances. These are global Electromagnetic resonances, generated and activated by energies from our Universe, visible as lightning, among other things.

Ancient Egyptians already used certain resonant vowel sounds in their ancient rituals; these vowels were considered extremely sacred so they were removed from the colloquial language and no longer appeared in the written hieroglyphic language.

Furthermore, during ceremonies, the Egyptians used an instrument called “Sistrum“, a rattle with metal discs, which has been shown to produce exceptionally high levels of ultrasound.

Nikola Tesla was unparalleled in his time, and perhaps also in ours. And that raises an interesting question. If Tesla were alive today, what would the world look like in our future? Think about it and write your suggestion in the comment box below.

Tesla Technology History and Future – The Final Wakeup Call – English

The Dark Side of Money

The Dark Side of Money

Jacob Schroeder  Jul 24, 2023

What we can learn from the ways money brings out the worst in us

Last year, the YouTuber Mr. Beast posted a Twitter poll that revealed an evilness lurking in our relationship with money.

As you can see, almost half the respondents said “Yes.” Yes, to the death of a person – who could be a devoted parent, an innocent child, the world’s leading cancer researcher, or Tom Hanks – for $10,000, about the worth of a used Honda.

It’s proof that money has power. The power to take our lives – with diligent saving and patient investing – to great heights. But also the power to lead us to some dark places.

Perhaps, that’s where the best financial lessons lie.

When discussing how dark experiences acted as life’s greatest teacher, endurance athlete and former Navy SEAL David Goggins said: “There are no answers in the light… knowledge comes from the muck.”

The same rings true for money; financial knowledge often comes from unfortunate events — job loss, market crashes, bankruptcy, fraud, et al. Most finance books and articles tell us we deserve financial success. Less frequent are those that help people identify their own toxic relationships with money as a route to personal growth. Fortunately, we can learn from the experiences of others.

For instance, I’ll briefly tell you why I don’t gamble. It’s not that I think gambling is a waste of money (which I do), or that I think the “games” are boring (which I do), or that I think of casinos as pitiful dungeons soiled with the stench of stale cigarette smoke and desperation (which I also do). It’s because it reminds me of the tragic death of a family.

When I was 18, my best friend called me one day to tell me that a family had been found murdered in their home nearby. This was a quiet, upper-class neighborhood where such tragedies never happened. Out of shock, we drove by the family’s once comfortable home that now resembled the set of a cop show with telltale props and extras – yellow tape, detectives, reporters, coroners.

It turned out the killer was the father. He had been a successful businessman who started to gamble and gamble some more, and then he started to lose and lose some more, until he inevitably lost almost everything. Distraught and at rock bottom, he decided to cash in the last thing he had left, the lives of his family and his own.

The experience taught me how a potentially big financial windfall could influence our psyche, like a siren call toward the rocks and cliffs of financial ruin. And at times, much worse.

I don’t believe money is not inherently evil. But research shows that it can trigger the worst parts of our nature if we let it.

The surprising thing? Unfortunate consequences can arise through both financial strain and abundance. Go too far in either direction, and you end up in the same miserable place.

So, when does money transform from an illusory store of value to an accessory to evil? How do we keep it from ruling over us?

How does this relate to our own financial lives?

Humans may have an inherent sensitivity to fairness, which explains why inequality can feel so stressful and damaging.

Consider a video of an experiment with two capuchin monkeys, our distant relatives often used in psychological tests as human stunt doubles. The capuchins perform the task of giving the experimenter a rock in exchange for a slice of cucumber.

To continue reading, please go to the original article here:

https://rootofall.substack.com/p/the-dark-side-of-money?utm_source=substack&utm_medium=email

https://www.youtube.com/watch?v=meiU6TxysCg

"What I Realized After My Kids Said “Mom” 159 Times in 6 Hours" Posted by Mot at TNT

TNT:

Mot:  What I Realized After My Kids Said “Mom” 159 Times in 6 Hours

Let me start by saying that I love my children. More than anything in this world. More than shopping alone at Target. More than Ben & Jerry’s Truffle Kerfuffle.

BUT.

If I hear the word “Mom” just one more time today, I am going to lose my ever-lovin’ mind. In fact, I just googled “how many questions do kids ask in a day” because I know I’m not alone here.

Are you ready for this? According to a UK study, moms field nearly 300 questions a day from their offspring, making them the most quizzed people around, above even teachers, doctors, and nurses.

Fun fact: Girls aged four are the most curious, averaging a question every one minute, 56 seconds of their waking day.

No wonder emails go unanswered, laundry piles up, library books expire before they are read, we scramble at the last minute for that birthday gift (please don’t ever leave me, Amazon Prime).

We are constantly interrupted during any given task.

As an experiment, I decided to make a list of all the times I heard the word “Mom” followed by a question or comment.

I grabbed a small notebook like Harriet the Spy and lasted exactly six hours before my hand cramped from all the writing.

In those six hours, I was beckoned ONE HUNDRED AND FIFTY-NINE times. While I won’t torture you with reading all 159 questions and comments posed to me, here’s a small sampling below:

9-year-old daughter

“Mom, who are you?” (Like, in an existential way?)

“Mom, has any human ever had 26 children?” (Yes. And they all have a reality TV show.)

“Mom, guess how many butt cheeks are in our house?” (Um…does the dog count?)

“Mom, this kid at school said that one middle finger equals 20 BAD WORDS. How is that possible?” (Oh, it’s possible.)

“Mom, I just found a HUMONGOUS house in California and it only costs $14 million dollars.” (Okay, I’ll get right on that purchase, sweetie.)

“Mom, can I put a ghost detector app on your phone?” (I’d kind of rather not know when there’s a ghost near me sooo…no.)

“Mom, I have a super duper secret.” (There should be no secrets from your mother. Ever.)

“Mom, do you want to play catch with me?” (Can’t, because I need a free hand to write down the 29 questions you will ask me while playing.)

“Mom, I can run down the hall and back 10 times in 37 seconds. Do you want to try?” (I’m good, thanks.)

“Mom, I need a band-aid.” (x3)

“Mom, what are we doing today?” (Apparently I am spending my day answering questions)

“Mom, can I invite a friend over?” (Will they ask me any questions?)

“Mom, can I have candy?” (If a mouthful of candy keeps you quiet for 2 minutes, then yes.)

“Mom, I changed my mind about my Halloween costume.” (AGAIN??)

“Mom, can you tell the dog to move?” (Because I speak dog and you don’t?)

“Mom, can I see heaven but not die first?” (Ok, I am officially not qualified to answer any more questions.)

“Mom (watching me write), why do you keep writing stuff down?”

15-year-old son

“Mom, we have nothing to eat.” (Staring into the overflowing refrigerator)

“Mom, have you seen my phone?” (x3)

“Mom, I can’t find my phone.”

“Mom, can I borrow your phone?”

“Mom, can you buy some posterboard?”

“Mom, what are you writing?”

“An article.”

“On what?”

“How many questions I’m asked in a day.”

“Why? Is it a lot?”

“Seriously?? I’m adding that one.”

18-year-old daughter (away at college)

“Mom…did you change the Netflix password?” (Of course I did, you haven’t called me in two days)

Mind you, I did this experiment on a Sunday, and my husband was home the whole time. He is a great, very involved, hands-on dad.

But do you know how many questions I heard them ask him during that time? ONE.

When I said no to playing catch with my daughter, she asked him to play. He immediately said yes, probably because he wasn’t exhausted from 158 prior questions.

When I sat down to write this post, I stared at the list for each of my three kids. And something hit me like a ton of bricks.

The older they get, the WAY less questions they ask. The less thoughts and feelings they share.

Those big kids have their friends and their smarter-than-a-mom phones.

My older kids would never ask me what the population of China is, they would simply Google it.

But to my little one, I’m still the go-to…the one with all the answers.

And I guess that’s a pretty great thing to be.

It’s hard to face the fact that, though my older kids still need me, it’s just not in the same way my younger child does.

Someday all too soon my 9-year-old will be an 18-year-old. And one morning, I’ll wake up and there won’t be anyone left to pepper me with questions all day long.

And as much as they drive me crazy, I’m not quite ready for that yet.

So for as long as they’re asking, I’ll be right here answering. ❤

Janene

Unexpected Habits Of A Frugal Millionaire

Unexpected Habits Of A Frugal Millionaire

jeff@debtfreedr.com

When you hear about someone being a millionaire, you typically don’t picture them as being frugal. The phrase, “Frugal millionaire” is not something that typically goes together such as a peanut butter and jelly sandwich does. But, if you’ve read books such as “The Millionaire Next Door” and Chris Hogan’s new book, “Everyday Millionaires,” you’d have a different outlook on how millionaires actually live.

Occasionally, when someone hears that a person is frugal, they automatically think that they’re cheap. Being frugal and cheap are two different things. So, before we discuss the habits of a frugal millionaire, let’s look at the difference of being frugal versus cheap.

What Is Frugal Living?

Frugal living is simply being intentional with your money. It’s mainly practiced by those who aim to:

cut expenses

have more money

get the most they possibly can from their money

Frugal people understand that paying more doesn’t necessarily mean better value. Again, just because someone is frugal, doesn’t mean they’re cheap.

Are Frugal People Cheap?

I know cheap people and I can tell you firsthand that they’re NOT fun to be around. Cheap people think that EVERYTHING is overpriced.

The bottom line is that these are people who don’t like to spend money. They complain to everybody about how much stuff costs.

Unfortunately, many cheap people I know also lack honesty and moral principles.

The reason I wanted to differentiate between being frugal and cheap is that the majority of research on millionaires concludes that they’re frugal. They put people above money and are known to give to worthy causes.

If you’re not yet a millionaire (keep reading the DFD posts and you’ll soon be one!) and want to know just how many exist out there, let’s move on to some stats…

Millionaire Statistics

Here’s a few millionaire stats you may not know about from millionairefoundry.com: 

There are 42.2 million millionaires worldwide, up 2.3 million over the last 12 months.

Of those, 41% or 17.3 million individuals are in the United States

This means that 7% of the U.S. adult population are millionaires

Approximately 14% of U.S. households are in the millionaire club

If you’re a millionaire, you’re in the top 0.6% of wealth for the world’s population

The nine cities with the most millionaires, in decreasing order are Tokyo, New York City, London, Paris, Frankfurt, Beijing, Osaka, Hong Kong, and Shanghai

Current projections are that 1,700 new U.S. millionaires are made every day

Let’s find out what it takes to become a frugal millionaire…

7 Unexpected Habits Of A Frugal Millionaire

To continue reading, please go to the original article here:

https://www.debtfreedr.com/frugal-millionaire-2/

Wealth & Income Are Not The Same

Wealth & Income Are Not The Same

Hillary Hoffower

 A woman who studied 600 millionaires says there's a misconception about wealth that just won't die

Wealth does not equal income, but people often mistakenly think they're the same thing.

Wealth is the net worth of a household, whereas income is what's reported on an income tax return.

Being rich isn't about how much money you make or spend — it's about how much money you keep. ...

There are a lot of myths about wealth, but one seems to strongly persist: The idea that income equals wealth.

"It continues to be the assumption of those who increase consumption as their income increases that they are the same," wrote Sarah Stanley Fallaw, director of research for the Affluent Market Institute, in her book, "The Next Millionaire Next Door: Enduring Strategies for Building Wealth, in which she surveyed more than 600 millionaires in America.

She added: "And believing this myth gives the false perception that those who appear to be rich (neighbors driving luxury cars or friends in $200-plus jeans) are wealthy when in fact it only means they spent more than real millionaires on these purchases."

Point blank, income and wealth are not the same thing.

Wealth refers to the net worth of a household, i.e. all of its assets minus of all its liabilities, Stanley Fallaw explained. Household income is merely realized income to be reported on one's personal income tax return.

Even the Tax Foundation gets it wrong, referring to "millionaires" in terms of their income tax returns versus their net worth, Stanley Fallaw said. In reality, a millionaire's income is only 8.2% of their wealth, she found through her research.

This myth is problematic, Stanley Fallaw added, because it "distorts" the numbers people focus on when trying to achieve financial independence.

Wealth isn't about how much money you make or spend — it's about how much money you keep

To continue reading, please go to the original article here:

https://www.businessinsider.com/difference-between-wealth-net-worth-income-2019-1