How to Maintain Civil Discourse – Understanding Political Division

argument“Let your conversation be without malice or envy, for it is a sign of a tractable and commendable nature: and in all causes of passion admit reason to govern,” thus proclaimed George Washington in his “Rules of Civility & Decent Behaviour in Company and Conversation,” written sometime before the age of 16. In the heated, often rancorous season of political contest, we Americans often forget that our fellow citizens are more similar to each other than dissimilar, our goals and ambitions more analogous than antagonistic. As a consequence, our public and private discourse has become intensely personal, focused on differences rather than consonance, so that friend, family, and work relationships are frequently in peril.
 
Civility, to most people, is simply being polite, reasonable, and exhibiting respectful behavior. When people disagree, discussion becomes personal attacks; instances of rudeness for other people are common in grocery stores, city streets, even between neighbors. According to the 2013 Civility in America: A Nationwide Survey, most Americans believe that this era of incivility is “harmful to our country’s future,” and is likely to erode further in the future.
 
The findings include:

  1. – 95% of Americans believe we have a civility problem in America
  2. – 81% think uncivil behavior is leading to an increase in violence
  3. – 80% agree that the level of civility will not improve until our government leaders act more civilly
  4. – 71% believe civility is worse compared to a few years ago
  5. – 70% think that incivility has risen to crisis levels

 
The same survey indicates that one of three workers believe their workplace is uncivil, leading to job dissatisfaction, burnout and stress, and workplace aggression as evidenced by the number of employees and ex-employees who return to their jobs to exact revenge and commit mass murders. It is also expensive, slowing production, limiting employee participation in company projects, and higher turnover with one of four of employees who quit their jobs attributing it to incivility in the workplace.
 
Dr. Gary Namie, psychologist and co-founder of the Workplace Bullying Institute, notes that lack of civility and bullying go hand-in-hand, asking, “How in the world can we stop bullying in schools, in the workplace, in politics, when it is so close to our national character right now?”
 
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6 Must-Have Conversations When Caring for Elderly Parents

converse old and youngOne of the more painful memories in my life was telling my father that he was no longer capable of driving or living alone. A tall, physically active man, Dad had worked since his teens in the Great Depression, fought in World War II, married and raised two boys to manhood, and dealt with the death of his spouse, burying his wife of more than 50 years. He was a proud man, always ready to help others and capable of handling life’s setbacks with equal measures of grit and grace. To him, being a man meant being able to take care of yourself.
 
Over the previous decade, I had watched his physical and mental faculties gradually fade. The decline was slower in the beginning, but reached a faster pace as he approached 80 years of age. After a minor car accident in which he had turned into the path of an approaching vehicle, the attending policeman called me aside and insisted that I take away his keys.
 
As the eldest son and his only living relative within the state, the responsibility of care fell to me. I struggled with the irony of our situation, the reversal of natural roles where parent directs child. Despite my trepidation, however, taking away his car keys was for his own safety and others on the road – a loving child has no good alternative in that position.

Aging and Its Consequences

While everyone ages at a different pace, the consequences are inevitable for everyone. As you grow older, you are likely to experience some or all of the following physical and mental changes:

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How Identity Thieves Get Your Info – 7 Ways to Protect Yourself

identity1 In 2013, the FBI arrested a ring of identity thieves responsible for more than $13 million in losses over a two-year period, from 2007 to 2008. Tobechi Onwuhara, a Nigerian national, impersonated victims across the country to scam their credit card companies into transferring millions of dollars from their customers’ home equity line of credit (HELOC) accounts, and the information he and his confederates used to identify victims was primarily collected through public sources. In other words, any efforts by the individual victims to foil the perpetrators would likely have been futile.
 

How Identity Thieves Access Your Information

Onwuhara’s expertise was his ability to Collect and combine disparate pieces of personal and financial information available free or for a fee to anyone from legitimate sources of private information. His skill allowed him to impersonate credit card holders to have open credit lines monetized to his benefit.
 
Some of his favorite sources of data included:
 
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Four Investment Principles for Retirement Savings

retirement11While there are a variety of investment options available to everyone, an astute investor must practice good fundamentals to control risks and optimize potential returns, including taking the time to be informed. As stated by Peter Lynch, renowned manager of the Fidelity Magellan Fund from 1977 to 1990 who beat the S&P 500 index 11 of 13 years, “Investing without research is like playing stud poker without looking at the cards.”
 
As you build your portfolio for retirement, it is crucial to keep several principles in mind:

1. Manage Your Risks

Warren Buffett, the “Sage of Omaha” often credited as the “Greatest Investor of All Time,” supposedly had two rules: “Rule number one: Never lose money. Rule number two: Never forget rule number one.”
 
It has been generally accepted that investments with higher returns generally involve the assumption of greater risk. Logically, you want to balance risk and reward. Unless you are a diehard gambler, you probably do not want a portfolio that is all or nothing (all assets in the high-risk, high-reward category) or, even worse, assets that have high risk, but low potential reward.
 
Fortunately, stock market analysts and theorists have conducted numerous studies to better understand the correlation between risk and reward in attempts to minimize risks and maximize returns within portfolios. As you select your investments, be aware of the beta and R-squared values, two measures that compare the investment to a commonly accepted market index (T-bills for bonds; S&P 500 for equities) and can help you better balance risk.
 
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