- everytime you earn more, save more.
- monthly saving is difficult, present bias (immediate gratification) makes you think of how you have to give up something now
- we think about saving in the present, but spend in the long run. We diet today, eat tomorrow
- speaks of checking the box during an organ donor situation in licence aquisition. Germany shortage - you have to check the box to say yes. Austria you have to check the box to say No... they have organs for Africa. In terms of saving... create a situation where people have to opt out. Opting out takes effort.
- if you say, Yes, I want to save, that's half of the effort. Next automate the process.
- if you defer saving to when you get a raise, then it's a small percentage of that extra
- making the decisions around saving are complex, too many points to consider
- 1 in 10 Americans save enough
- Singaporeans spend average $4000 per year on lotto. Americans $1000.
Dawkins has become outspoken in his atheism , coining the word "bright" (as an alternate to atheist), and encouraging fellow non-believers to stand up and be identified. intelligent design is creationism redressed creationists are right that evolution is hostile to evolution statistical improbability of the complexity of design - intelligent design but the intelligent designer wouldn't have made such a hash - why would the designer be bothered with disapproving of our sex lives, favor our side in the war Dawkins suggest rocking the boat - attack religion as a whole taboo of speaking ill about religion - Douglas Adams said, sacred ideas at the heart of religion, holy cows, you can support any operating system you want, but the challenge of religious ideas is off limits science and religion are corrosive to each other - religious explanations are trivial and improbably, teaches people to accept authoritarianism takes the example of famous scientists and imagines ...
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