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Good credit can get you better mortgage interest/auto loan rates, which can save you thousands over a lifetime.
Your credit can impact everything from your bills to your car loan to your ability to land the.
It’s based on your credit utilization, or how much of your credit limit you use.
Experts recommend using up no more than 30% of your limit-regardless of whether or not you pay it all off each month-in a given credit cycle to maximize your score.
If you have more than one card, you should aim for 30% of the cumulative credit available.
It’s good to have a mix, but don’t apply for a mortgage to boost your credit.
Beyond understanding your score, you should check your credit report for errors, and dispute them by contacting the bureaus.
Freeze your credit unless you’re going to buy a home, car, etc.

The orginal article.

Summary of “Facebook Conceded It Might Make You Feel Bad. Here’s How to Interpret That.”

Another is what Facebook might be doing to our psychology and social relationships – whether it has addicted us to “Short-term, dopamine-driven feedback loops” that “Are destroying how society works,” to quote Chamath Palihapitiya, one of several former Facebook executives who have expressed some version of this concern over the last few months.
The company pointed to a study published this year in the American Journal of Epidemiology – by researchers who weren’t affiliated with Facebook – that showed that people who clicked on more “Likes” and links than the typical Facebook user reported worse physical and mental health.
Another study – this one conducted in partnership with Facebook by Robert E. Kraut, a professor at Carnegie Mellon University who has long studied how computers affect users’ psychology – had a more upbeat finding.
You can see the issue here: Facebook is saying that if you feel bad about Facebook, it’s because you’re holding it wrong, to quote Steve Jobs.
The cure for your malaise may be to just use Facebook more.
The post pointed out several recent and coming changes to Facebook that the company said encouraged active interactions on the service.
That’s the real message: Once you discover how much more you can get out of Facebook with this new stuff, you’ll feel super.
If you think Facebook is ruining the world, you should be a little glad that even Facebook agrees that we need a better Facebook – and that it is pledging to build one.

The orginal article.

Summary of “How to understand modern China”

On a completely different note, if I want to understand modern China what books, articles, etc.
Here is a wonderful syllabus on Chinese economic history, by Dr. Melanie Meng Xue.
I don’t find most books on China to be very useful.
Set up a separate Twitter account to follow people who cover China, they are more interesting than those who write on U.S. domestic politics.
Find an “Entry point” into China of independent intrinsic interest to you, be it basketball, artificial intelligence, Chinese opera, whatever.
Alternate your interest between stories that make China seem quite normal and stories that imply China is pretty weird.
The Chinese don’t want us to call it tofu any more.
Chinese man repaints road markings to make his commute quicker.

The orginal article.

Summary of “Meetings Would Go Faster If People Took the Time to Listen”

Too often, meetings are filled with miscommunication, cross-talk, and conflict.
By improving your listening skills, you can make these meetings more effective.
Specifically, by listening slowly, you can be more intentional with your communication, get to the heart of your meetings more quickly, and even finish meetings faster.
Going slower to listen better allows us not only to finish our meetings faster, but also makes the next meeting more effective.
As we worked together this year, I realized that Elana’s listening and communication strengths in one-on-one meetings are skills that most leaders need, many leaders think they have, but none practice as well as Elana.
How much more would you understand about what’s being said in a meeting if you were to single-mindedly focus on the conversation? You can do this more easily by leaving your devices off the table and taking margin notes in meetings.
What does this mean, based on the purpose of your discussion, what the speaker cares most about, or what’s been said before? For example, if your direct report is asking for more resources, you can either interpret that to mean the project is going well and the customers are demanding more features, or that the project is going poorly and people on the team aren’t planning well.
With practice, listening slowly will reduce unnecessary cross-talk and conflict and increase clarity-giving you a head start for going faster in your next meeting.

The orginal article.

Summary of “China’s CCTV surveillance network took just 7 minutes to capture BBC reporter”

This wasn’t a case of a member of the media being forcibly removed from the country.
The chase was a stunt set up to illustrate just how powerful and effective the Chinese government’s surveillance system can be.
It’s a stark example of the type of monitoring that China has invested heavily in over recent years with the aim of helping police do their job more efficiently.
China has the largest monitoring system in the world.
There are some 170 million CCTV cameras across the country, and that’s tipped to grow more than three-fold with 400 million more set to be installed by 2020.
Beyond the sheer numbers of lookout points, China is harvesting information with a new-found focus on intelligence.
The government also works with facial recognition and AI companies, such as unicorn Face++, which can pour through data to extract meaningful information such as faces, ages, registration plates and more.
The full video of Sudworth’s ‘capture’ is on the BBC website, with a snippet is below – hat-tip The Next Web.

The orginal article.

Summary of “Solving Hard Problems With Simple Ideas ยท Collaborative Fund”

To wrap your head around how good we are at solving hard problems with simple solutions, consider how much of a mathematician you need to be to catch a baseball.
Every bit of the complex formula is buried in that rule of thumb.
De Groot knew that what made a chess master had to be something soft and instinctual like psychology, rather than hard and learned like math, if only because there are more 12-year-old chess prodigies than there are 12-year-old physics pioneers.
“People like working with me” is a rule of thumb that can capture the complexities of someone’s technical ability, work ethic, and problem-solving capabilities better than more complex metrics.
Buffett and Munger have distilled it down to a handful of rules of thumb, acquired over decades of experience, that appear simple yet capture some of the most complex attributes of business and market behavior.
Another is realizing that using rules of thumb frees up time compared to digging into complex solutions, and that time can be spent learning about even more helpful rules of thumb.
Rules of thumb give you time to learn, and learning gives you rules of thumb.
Most important is accepting that when you’re dealing with uncertainty and complexity, simple ideas are not dumbed-down ideas.

The orginal article.

Summary of “AI isn’t giving us more choices-it’s limiting them instead”

In our quest for convenience, we are trading away our free choice.
Our lives become more and more subtly influenced and molded by the companies we let make decisions for us.
In this way, the salient tradeoff in the AI age is not privacy, but choice itself.
Shopping online gives us the convenience of searching a catalog of billions of products from our couch-but more often only shows us our recent searches, purchases, and similar products based off them.
Not only are our choices narrowed by monetary incentives-they are narrowed by the use of algorithms that put us into what statistics calls “Clusters,” which are groups with similar behavior profiles.
As AI narrows our choices, will it keep our careers on a single track? Will it guide our lives so that we meet only like-minded people, with whom we get along, and thus deprive us of the encounters and frictions that compel us to evolve into different, perhaps better human beings?
If we trade more and more choice for convenience, we shut out other people’s divergent points of view and rest in the comfort of our cluster.
Choice and free agency deserve a top spot in the AI age.

The orginal article.

Summary of “Jocko Willink On the Power of Discipline”

He has a new book out and its title caught my attention: Discipline Equals Freedom.
“If you want freedom, then you need to have disciplinethe more discipline you have in your life the more you’ll be able to do what you want. That’s not true initially; initially the discipline might be things you don’t want to do at the time, but the more you do things that you don’t want to do, the more you do the right things, the better off you’ll be and the more freedom you’ll have”.
Jocko’s examples of this idea in action mainly concerned personal development.
More discipline with your finances, for example, will eventually yield more financial freedom, while more discipline with time management will allow you to do more interesting things with your time.
The front office IT revolution granted the knowledge worker an amazing amount of apparent new freedom: email made communication with anyone about anything instantaneous; the world wide web put all information at their fingertips; the mobile revolution allowed them to take these promethean gifts with them everywhere.
As I discussed in my recent post on stagnant economic productivity, this apparent freedom is yielding mixed results.
The new economy does offer exciting new opportunities, but perhaps the most effective way to unlock this freedom in the long term is to be more disciplined in the short term, especially when it comes to your time and attention: to focus relentlessly on producing the things you know how to do best at the highest possible level of quality, while ignoring the attractive digital baubles that promise you conveniences and the potential of breakthrough connections and exposure.
As Jocko put it: “Do things you don’t want to dodo the right things,” and trust this discipline now will eventually generate the freedom you seek.

The orginal article.

Summary of “Learn to Manage Your Attention and Managing Time Will Take Care of Itself”

Cultivating and Protecting Your Attention and FocusIf you can learn to manage your attention, managing time will not only take care of itself, you’ll have a massive competitive advantage over most people.
Most people who claim to have a time management problem have an attention management problem.
Whatever requires less of your attention costs more in terms of cognitive benefit, what requires more costs you less.
The quality of the time is almost entirely determined by one thing, your ability to manage your attention.
In fact most down time isn’t really down time because we take a break and check email or social media.
Know Your Essential PrioritiesIf you want to get better at managing your attention you have to learn to say no to everything that’s not aligned with your essential priorities.
If it’s going to take me all day, I’m not just going to lose that time, but more time because of how pissed off I am about the whole experience.
This one skill, managing your attention will do more for your trajectory than any life hack.

The orginal article.

Summary of “I Was Wrong About Bitcoin. Here’s Why.”

One of the earliest predictions among Bitcoin skeptics and boosters alike was that Bitcoin itself would be just a predecessor technology to the real, lasting innovation: the blockchain – the peer-to-peer ledger system that records cryptocurrency transactions and allows them to operate without a central authority.
The potential applicability of blockchain technology to all kinds of different industries, from auto manufacturing to insurance to groceries, has inspired lots of non-techies to learn about cryptocurrencies, and served as an intellectual on-ramp for new Bitcoin investors.
In the frontier days of cryptocurrency, it seemed that every other story was about how criminals and tax-evaders were using Bitcoin to buy and sell illegal goods and services.
The I.R.S. didn’t issue official guidance on the tax treatment of Bitcoin and other digital currencies until 2014, and the Securities and Exchange Commission has just recently started to look at whether initial coin offerings, a kind of public auction of new cryptocurrencies, should be more closely regulated.
Back in 2013, when I began asking Wall Street bankers about Bitcoin and other cryptocurrencies, their reactions ranged from polite dismissal to outright mockery.
Now, in the same way that the rise of junk bonds created an entirely new lucrative finance niche in the 1980s, Bitcoin’s rapid ascent has pulled even the most traditional financial institutions into the fray.
The arrival of institutional investors into the cryptocurrency market has begun to make Bitcoin look less like a fringe technology project, and more like any other securities market.
Real Bitcoin enthusiasts, of course, will say that I’m still missing the point, and that today’s trading mania is just a prelude to an even bigger, more transformational era of cryptocurrency.

The orginal article.