Showing posts with label Book Reviews. Show all posts
Showing posts with label Book Reviews. Show all posts

Wednesday, January 30, 2013

The Automatic Millionaire

David Bach AKA David Millionaire wrote this fairly simple, logical book, which teaches you how to look at your finances, and find ways to save and invest your money for the future. This book is full of insightful ideas on how to secure your future. Let's take a look at the key points of his book.

The Latte Factor. This is the term that turned David Bach into David Millionaire. This is a simple little trick to make some big changes in your life. It focus on looking at your daily spending. What little things do you waste money on everyday? Is it a latte? Is it eating out? Is it scratch off tickets? Taking that few dollars each day and investing it, as opposed to splurging on overprices beverages and eating out, can have very big results down the line.

Pay Yourself First. This is another huge step in the quest of becoming an automatic millionaire. Instead of paying your bills, supporting your little indulgences, and taking care of your future last, invest in your future first. As soon as you get paid, put a certain amount away before you do anything else. Get it into a bank account that you will not tap into. Make It Automatic! This is the David Millionaire secret that brings it all together. People are weak. As much as it stinks to say, it's true. Most people can not stick to a budget, or take twenty dollars each week to put into a bank account. Most banks will allow you to have a certain amount of your check automatically put into a separate bank account each week. This takes the responsibility out of your hands.

The "Sleep Well at Night" Test.

My monthly expenses currently total: ________________. I have ___________ saved in a money market or checking account. This equals _____________months of expenses.

The goal here is to have 3 months of expenses put away. This is your emergency fund. This is so that you can sleep well at night, knowing that if an emergency comes up, money will not be a problem. I truly believe that this security is something that everyone should have.

Looking at the state that the world economy is in right now, it is hard to see how anybody is able to save money. Take a look at the people who are not worrying. Who are they? Do they have nice jobs? With the rate that jobs are being lost, I do not think that the words nice and job belong in the same sentence. Do they have a lot invested in the stock market? Again, take a look at the market. The stock market is not the safe investment that it used to be. Things have changed. In his book, David Millionaire goes as far as to tell you what banks and types of accounts to invest your money in. With the current economic state that the world is in, many of these banks are no longer viewed as good investments. Many of them have even taken help from the government to stay alive.

So how is it that people are still becoming financial free. Entrepreneurialism is the key. Working hard now to create a residual income. Right now people are suffering from the dreaded woe is me syndrome. Times are hard for everybody. Yes, they are much harder for some then others, but woe is me doesn't fix anything. Focusing on the problem does not solve anything. Focusing on the solution is how things get done. It is time to take advantage of the incredible opportunities that are out there.

Biology Book Review - Human Anatomy and Physiology

It's amazing that so few people understand the human body, especially considering that they live within it. It's perhaps the only thing you can truly say that you completely own. Many kids in school do not get an adequate education in biology, which is a travesty considering the full-importance of health care, longevity and living free from disease.

If you are one of the millions of Americans who have received less of an education on this subject than you think you need then may I please recommend an extremely valuable and easy to understand book for you?

"Human Anatomy and Physiology" by Kent M. Van de Graaff, R. Ward Rhees, Patricia Brady Wilhelm; 2001

This work boasts a crash course in biology, specifically human anatomy and physiology. The book is part of the Schaum's Easy Outline series and includes exercise questions, tips for mastering the physiology and human anatomy topic, and everything a student will need to pass a college course or final examine in the subject. The book is jam packed with information from the introduction forward.

Learn about the cell structure, tissue and cellular chemistry of the human body in the first few chapters and then the books goes on to explain the central nervous system and skeletal system, as well as the integration of the muscular components. The cardiovascular system and blood flow from the heart to the other organs. The respiratory system is completely described.

Learn how the body digests, gets rid of waste and metabolizes the food delivering the nutrients. Understand the body's use of water and electrolyte balance. Understand the miraculous reproductive system and how the life cycle continues.

Biotechnology and Colours

Biotechnology and the world of colours have always been intertwined. Nature's hues and tints are captured in their natural or synthetic state in a variety of market products. The flower markets of natural blood-red roses and gene-designed blue roses recently released in Japan are apt examples.

To-date notwithstanding the awe-inspiring snip and tuck techniques of genetic engineering, the legendary 'Black Tulip' of French author Alexander Dumas still remains the 'Holy Grail of the Tulip world'. Several types from 'Tulip Queen of Night' (1944) to T.'Black Hero' (1984) constitute 'the category of the 'blackest of the officially 'purple' tulips'.

Nature's wealth of colours have inspired celebrity painters and poets ---French-born Hillarie Belloc describes in verse the morphology of The Microbe with its 'seven tufted tails with lots of pink and purple spots.'; and schoolchildren to explore the microbial world through the 'looking-glass' of Winogradsky's column with its purple and green bands ---consortia of the green and purple photosynthetic bacteria. Blue-green cyanobacteria contribute to the economy of Nature's important biogeochemical Cycles-the nitrogen cycle.

The Red Sea may derive its colour and name from the red-cyanobacterium -- Trichodesmium erythraeum, but the destruction of numerous fish is due to the Red Tide population of the plant-like red-brown dinoflagellates. Pigments help classify the brown, yellow, red and green algae; and protozoa and yeasts such as Euglena and Pichia. Nature's colour artistry occurs throughout the biospectrum incorporating interalia green and purple bacteria, antibiotic-producing species of Streptomyces and Nocardia, fungi that color cheeses, blue-green anoles, rainbow papaya and trout, and green fluorescent proteins responsible for the coloration of diverse corals and anemones. Green, yellow, orange-red and purple-blue chromoproteins are the raison d'etre of fabled reef colours varying in the spectrum of daylight conditions.

Verily, Nature's palette of pigments and paints underscores the need of bioresources centres to capture, classify and conserve the planet's biotreasury lest extinction result from benign neglect and commercial exploitation. 'Biomimicry...... is a new science that studies nature's best ideas and then imitates these designs and processes to solve human problems. ......Organisms use two methods to create colour without paint: internal pigments and the structural colour that makes tropical butterflies, peacocks, and hummingbirds so gorgeous. A peacock is a completely brown bird. Its "colours" result from light scattering off regularly spaced melanin rods, and interference effects through thin layers of keratin (the same stuff as your fingernails).'

New military clothing uses fluorescent colours, biosensors and bioinformatics at the nano-level to mimic natural phenomena of biomimicry and chameleonic colours. Geofabrics coloured for appropriate use contribute to landscape and urban management --- conservation of golf courses and park-lawns, and safeguarding creative and aesthetic instinct of humankind is embedded in of soil embankments and floral gardens.

The clean and green technologies. The first biodegradable green credit card was issued in 1997. 'Coral proteins put on the red light' in marine waters, and coloured glow fish function as indicators of pollution in aquatic reservoirs. Colours used in biotextile grafts make attractive and acceptable use of bioceramic materials in dentistry, medicine orthopaedics, tissue engineering and veterinary science.

Genetic research has contributed to understanding human eye and skin colour. The genesis of coat colours of cats, dogs, rabbits, ponies, etc. has been deciphered. The head colour of birds too. Coat colour alleles are used to produce sublines of mice for studies concerning ageing, cancer, cardiovascular, neurobiological and reproductive biology. The Big Blue mouse is used to research cancer and neurodegenerative disease. Yellow mice help localize gene mutations on specific chromosomes.Custom-made mice --- the albino, cream, brown and black models are research keys studying tumour biology. Indeed, 'the ability to follow coat colours' requires 'no complicated tools such as molecular genotyping' in 'the breeding and maintenance of mutant strains.'

Colours inspire, motivate and uplift humankind. Clinics and psychological facilities use soothing colours to aid convalescents. Colours exist in sports too. Winners express a sense of national achievement and pride in draping themselves in their national flags. In EURO 2004 - soccer and biopsychology met. To enhance local psychobiological advantage and patriotism the coach of the home team requested fans 'to wear something red or green' their national colours 'toface the orange shirts' of their opponents' in a qualifying match.

Corporate biotech is engaged in 'chasing the rainbow.' Former Vice-President Al Gore envisioned the 'pot of gold at the end of the biotechnology rainbow.' Entrepreneurs, however, focus their quest 'somewhere over the genetic rainbow'. UN policy-makers use colour-codes in combating, and designing solutions to problems of hunger and poverty. The UN Economic Commission for Africa in 2002 described 'Realizing the Promise of Green Biotechnology for the Poor' and 'Tackling the Diseases of Poverty through Red Biotechnology' ---technologies that involve using genetically-engineered mosquitoes with the potential to eradicate malaria; and gene modified foods ---golden rice and orange bananas, enriched with vitamin A to counteract the onset of blindness.

'Ethical challenges of green biotechnology for developing countries' arise, and, 'whether transgenic plants should carry distinguishing markers, such as distinguishing colours, so that they can be identified and not intermixed with other plants of the same species' is under review for use in regulatory work. In space biology research, transgenic plants using blue and green colours are being developed as biosensors to indicate presence of certain kinds of stress. Nutritionists talk of a rainbow diet rich in micronutrients and vitamins that make food naturally attractive and appetizing for a 'good feel'status. Traditional medicine recommends eating naturally coloured foods possessing natural phytonutrients in their skin ingredients. A judicious choice of red (meat), green (salads), yellow (cereals and fruits) and violet (vegetables) foods contributes to the sustenance of long-term good health in combating artificial diabetes and obesity. Blue cheese and black truffles are delicacies without added food colorants; and supermarkets may soon offer carrots in red and purple with the orange variety. 'Research into different coloured carrots is not about making a fashion statement but about potential health improvements'.

In agro-trade, traffic-colours of amber and green define policies that distort trade of certain commodities. Amber box policies signify 'caution' relating to 'price supports, marketing loans and subsidies, and livestock quantities'. Green box policies cover 'research, pest and disease control, and crop insurance and conservation programs'. Blue box policies --a temporary WTO category that accommodates transatlantic negotiations, are 'redefined amber box policies concerning production limiting programs'.

Biotechnologies described in colours spotlight salient aspects of research for economic development. The Cordia-EuropaBio Convention 2003 in Vienna in 'Blue Biotechnology - Exploitation of Marine Resources' focused on the 'Ocean of Opportunities' for sustaining development through rational use of marine bioresources. Europe's catalytic role in 'Green Biotechnology in Africa' resides in collaborative biotech education, research, development, and market ventures. In January 2004, a European Commission meeting at the Biosciences 'Technology Facility', University of York, UK, recognized that any 'biotechnology platform, developing bio-based products would have to be a concerted marriage of the 'White' together with the 'Green' and 'Blue' biotechnology sectors'. Unlocking of bottlenecks could be achieved through programmes utilizing 'the synergies between green, white and blue biotechnologies.'

In 2005, the 12th European Biotechnology Congress will use 4 biotech motors: white (industrial); red (pharmaceutical), green (food and feed) and blue (environment) in 'Bringing Genomes to Life' in Denmark.

The use of colour codes is seemingly the lingua franca of science policy in Germany. Sixty percent of the 253 biotechnological firms with some 43,000 employees in a survey by Hessen's Ministry of Economy were specializing in red biotechnology (diagnosis and treatment of diseases); 4% were specializing in green biotechnology (agriculture, food production); and, 1% was in grey biotechnology (pure industrial processes with an environmental nuance). In Baden-Württemberg, over half of the biotech companies excel in red biotechnology with smaller numbers in the grey and green sectors. German market studies emphasize the white and red biotechnologies. Red biotechnology accounts for some 86% of all biotech companies. Green biotechnology with 27% is followed by grey biotechnology with 10%.

In the USA, a 5 colour-coded security system from green (low) through blue (guarded), yellow (elevated), and orange (high) to red (severe) has been decreed. Adoption of protective and self-defense responses involves all levels of vigilance and preparedness to combat and neutralize the threats of terrorism and those of bioterrorism that aim at destruction of that country's security and its peoples. Colour alert systems for air pollution (USA) and inclement weather (Mozambique) are indicators of time available for precautionary action by people susceptible to asthmatic and respiratory diseases as well as in offsetting loss of life and bioeconomic resources.

In satire, a 'five (colour) level Mad Cow alert' exists. The alert levels range from eating cow parts (green) through limited beef consumption (blue) and exercise of planned protective measures (yellow) to symptomatic mooing and chewing of the cud (orange) to a switch to fermented food - tofu (red).

Using colours to describe biotechnology constitutes a new mechanism in:

- attracting school children to the microbial world in different environments; - teaching biotechnology in graduate and medical schools; and - providing sound bytes for use by non-technical policy-makers promoting the biotech powerhouse for sustainable development.

Dr. R. Colwell, Director, US National Foundation at a US-EC Biotech meeting in 2003 said: "If we could weave a Flag of Biotechnology, some say, it would feature three colours: red for medical applications, green for agricultural and white for industrial. In fact this flag may accrue even more colours over time as environmental and marine biotech and other applications add their stripes'.

In that context, the colour index below may be a useful guide with further additions as biotechnology and colours intertwine over time in promoting public perception and understanding of biotech applications for the cause of science, development, and the current and post human future of humankind.

Color Type Area of Biotech Activities

Red - Health, Medical, Diagnostics Yellow - Food Biotechnology, Nutrition Science Blue - Aquaculture, Coastal and Marine Biotech Green - Agricultural, Environmental Biotechnology - Biofuels, Biofertilizers, Bioremediation, Geomicrobiology Brown - Arid Zone and Desert Biotechnology Dark - Bioterrorism, Biowarfare, Biocrimes, Anticrop warfare Purple - Patents, Publications, Inventions, IPRs White - Gene-based Bioindustries Gold - Bioinformatics, Nanobiotechnology Grey - Classical Fermentation and Bioprocess Technology


Twitter Facebook Flickr RSS



Français Deutsch Italiano Português
Español 日本語 한국의 中国简体。