Scoring my COVID Predictions Part 4 - The Fall of the Globalist

“Bad governments always lie because telling the truth requires honor and courage!” Mehmet Murat ildan “To sin by silence when they should protest makes cowards of men (and women)...” Abe Lincoln Prediction 4 – Borders matter. There will be an increase in nationalism I completely missed this one! I had predicted that “the foolishness of “elite” positions was completely exposed by the COVID-19 pandemic” and forecasted that “faced with a crisis that is literally killing thousan

Scoring my COVID Predictions Part 3 – A Shift in Education

“I have never let my schooling interfere with my education.” Mark Twain “I did then what I knew how to do. Now that I know better, I do better.” Maya Angelo Prediction 3 – High school and college education will adopt a lower cost online model. With notable exceptions! My thesis for this prediction was that colleges need the constant inflow of tuition payments, and all but the top tier schools would adopt remote learning as they realized the profit potential. With constant

Scoring my COVID Predictions Part 2 – Remote Medicine

“Doctors are great–as long as you don’t need them.” Edward E. Rosenbaum “Don’t misinform your doctor nor your lawyer.” Unknown As I reviewed this prediction, I realized this was one of my best researched posts. There were multiple examples of how technology was positively impacting healthcare delivery, and all of the data led to the logical conclusion that both experience and technology were driving us to more efficient and cost-effective delivery of healthcare services. M

Scoring my COVID Predictions Part 1 – The Rise of the Remote Worker

“I can accept failure, everyone fails at something. But I can’t accept not trying.” Michael Jordan “We like to give people the freedom to work where they want, safe in the knowledge that they have the drive and expertise to perform excellently, whether they are at their desk or in their kitchen. Yours truly has never worked out of an office, and never will.” Richard Branson The COVID-19 pandemic taught us that for the right type of work, working remotely can be incredibly ef

COVID 19 Predictions – How Accurate Were They?

“Our words reveal our thoughts; our manners mirror our self-esteem; our actions reflect our character; our habits predict the future.” William Arthur Ward “Prediction is very difficult, especially about the future.” Niels Bohr In early 2020 as the pandemic was just beginning to sweep across the United States, I recognized that we were witnessing a profound event that would dramatically alter the lifestyles and habits of large segments of our population. Through March, Apri

Applying Qualitative Risk Analysis to the COVID-19 Vaccine Decision - 2

“Risk comes from not knowing what you're doing.” Warren Buffett “The risk of a wrong decision is preferable to the terror of indecision.” Maimonides Everyone in the United States was faced with the choice: Do I get vaccinated? In my last post I compared the risks associated with getting vaccinated with the risk of contracting COVID-19. We also explored the quality of the available data. While the data is obviously flawed, the known risks of either decision were so small

My Experience with COVID-19

“I'm just a little bit sicker than the average individual I think.” Eminem “The wolf was sick, he vowed a monk to be - But when he got well, a wolf once more was he.” Walter Bower Disclaimer! This is not medical advice! You should never take advice from someone you only know over the internet. I am just sharing our experience. My wife and I just recovered from COVID-19. We have three daughters still living in our home and my wife is a nurse, so we both knew that we woul

The Science of the Trashcan Fire

“He who works with his hands is a laborer. He who works with his hands and his head is a craftsman. He who works with his hands and his head and his heart is an artist.” Saint Francis of Assisi “If any man tells you he loves America, yet hates labor, he is a liar. If any man tells you he trusts America, yet fears labor, he is a fool.” Abraham Lincoln My mother and father were forged in hard times. My father lived through the Great Depression and joined the US Army when he

Things every young person needs to know about money - Chapter 8 – Establish a system

“A Penny Saved is a Penny Earned” Benjamin Franklin “While money can't buy happiness, it certainly lets you choose your own form of misery.” Groucho Marx This series has focused on the need for young people to think strategically about money. I discussed the importance of saving money, managing money and how compounding can work for or against you. Now you need a system! System’s beat “goals” every time. I might have a “goal” to retire rich, but unless I put in place a sys

Things every young person needs to know about money - Chapter 6 – Compounding can be your enemy

“Credit card interest payments are the dumbest money of all.” Hill Harper “Procrastination is like a credit card. It’s a lot of fun until you get the bill.” Christopher Parker The interest clock never stops running and compound interest can work against you. My dad taught me that when I borrowed money for the first time. I was 17 and wanted to buy my first car, so he took me to his bank and helped me with the loan process. He explained that the clock starts “running”, mea

Things every young person needs to know about money - Chapter 5 – Compounding can be your friend!

“Enjoy the magic of compounding returns. Even modest investments made in one's early 20s are likely to grow to staggering amounts over the course of an investment lifetime.” John C. Bogle “The time to save for the future is now. Thanks to compounding interest, the earlier you start putting money away for the future, the more you will save.” Alexa Von Tobel The definition of “compound”: calculate (interest) on previously accumulated interest. The impact of compounding will be

Things every young person needs to know about money - Chapter 4 – The Time Value of Money

“Compound interest is the eighth wonder of the world. He who understands it, earns it ... he who doesn't ... pays it.” Albert Einstein “If you understand compound interest, you basically understand the universe.” Robert Breault A dollar today is worth more than a dollar tomorrow. Those simple words are a core principle of finance, and without it your possessions would be limited to what you could pay cash for at any given moment. What is your home worth? Did you have that

Things every young person needs to know about money - Chapter 3 – Watch your money closely

“Money is the opposite of the weather. Nobody talks about it, but everybody does something about it.” Rebecca Johnson “The trick is to stop thinking of it as ‘your’ money.” IRS auditor Several weeks ago, I walked into the living room and my wife was watching one of the “Real Housewives” shows. If you haven’t seen one of the shows in this franchise, it focuses on the day-to-day problems of fabulously rich people in a variety of different cities. My wife asked me to watch i

What young people need to know about money - Chapter 2 – Pay yourself first!

"Get rich slow or get poor fast.” Anonymous "Stop buying things you don't need, to impress people you don't even like." Suze Orman My first job was bagging groceries at Piggly Wiggly Southern, a grocery chain that was prominent in GA in the early 1980’s. I had had other “jobs” before, but this was my first corporate job and my first experience with tax withholding. I can still recall looking at my first pay stub (I made $3.00 an hour) and wondering why the government was

What young people need to know about money - Chapter 1 – Introduction

“A Penny Saved is a Penny Earned” Benjamin Franklin “Too many people spend money they haven't earned, to buy things they don't want, to impress people that they don't like.” Will Rogers I was shaped by the values of my parents. My father grew up on a farm in Iowa and survived both the Great Depression and the Dust Bowl. Life was so hard on the farm that he ran away at the age of 16 and joined the US Army to fight WW II. He fought in North Africa in WW II, then stayed in the m

Project Management Basics – Chapter 16 – Agile – Product Roadmap

“Always plan ahead. It wasn’t raining when Noah built the ark.” Richard Cushing “A good plan is like a road map: it shows the final destination and usually the best way to get there.” H. Stanley Judd The product roadmap is a recurring source of confusion for students aspiring to the Project Management Institute Project Management Professional (PMP®) certification. I believe it is because we describe the roadmap as a document that describes the vision and strategy, helps align

Project Management Basics – Chapter 15 – Agile Rituals – Shu Ha Ri

“Knowing is not enough, we must apply. Willing is not enough, we must do.” Bruce Lee “We are what we repeatedly do. Excellence then, is not an act, but a habit.” Aristotle I first heard of Shu Ha Ri in an Aikido Dojo. I was taking Taekwondo under Master Choi in a small school in Augusta, GA. My friends and I were consumed by the sport for several years, training constantly and regularly competing in local tournaments. I was attending a tournament in Columbia, SC, where I m

Project Management Basics – Chapter 14 – Agile Rituals – The Daily Scrum

“The human soul can always use a new tradition. Sometimes we require them.” Pat Conroy, The Lords of Discipline “We are our culture and tradition; if there is no culture or tradition we are no one.” Tamerlan A Kuzgov The rituals of agile matter. Several weeks ago there was a survey posted on LinkedIn that asked about the daily scrum. It specifically asked if the daily scrum was necessary for agile development. I can’t recall the survey results, but one my colleagues commented

Project Management Basics – Chapter 13 – Change Control

"It's a bad plan that admits of no modification." Publilius Syrus "A good plan today is better than a perfect plan tomorrow." Proverb I've taught thousands of students who were preparing for a variety of different PMI® certifications, and one of the topics that is often a challenge for them is integrated change control. Let’s see if I can simplify that topic. Predictive projects have several core principles, but the cornerstone is establishing a baseline. We gather requiremen

Project Management Basics – Chapter 11 – Occam’s Razor

“Occam’s razor uses the least energy; it is the most economic solution. Nature always operates this way, and it does so because it is mathematical. If it were not mathematical, it could never do what it does and would degenerate into instability and chaos.” Thomas Stark, Extra Scientiam Nulla Salus: How Science Undermines Reason “If you can't explain it to a six year old, you don't understand it yourself.” Albert Einstein What is Occam’s razor and why am I discussing it in th