Personal Health: That Loving Feeling Takes a Lot of Work

When people fall in love and decide to marry, the expectation is nearly always that love and marriage and the happiness they bring will last; as the vows say, till death do us part. Only the most cynical among us would think, walking down the aisle, that if things don’t work out, “We can always split.”

But the divorce rate in the United States is half the marriage rate, and that does not bode well for this cherished institution.

While some divorces are clearly justified by physical or emotional abuse, intolerable infidelity, addictive behavior or irreconcilable incompatibility, experts say many severed marriages seem to have just withered and died from a lack of effort to keep the embers of love alive.


Jane Brody speaks about love and marriage.



I say “embers” because the flame of love — the feelings that prompt people to forget all their troubles and fly down the street with wings on their feet — does not last very long, and cannot if lovers are ever to get anything done. The passion ignited by a new love inevitably cools and must mature into the caring, compassion and companionship that can sustain a long-lasting relationship.

Studies by Richard E. Lucas and colleagues at Michigan State University have shown that the happiness boost that occurs with marriage lasts only about two years, after which people revert to their former levels of happiness — or unhappiness.

Infatuation and passion have even shorter life spans, and must evolve into “companionate love, composed more of deep affection, connection and liking,” according to Sonja Lyubomirsky, a professor of psychology at the University of California, Riverside.

In her new book, “The Myths of Happiness,” Dr. Lyubomirsky describes a slew of research-tested actions and words that can do wonders to keep love alive.

She points out that the natural human tendency to become “habituated” to positive circumstances — to get so used to things that make us feel good that they no longer do — can be the death knell of marital happiness. Psychologists call it “hedonic adaptation”: things that thrill us tend to be short-lived.

So Dr. Lyubomirsky’s first suggestion is to adopt measures to avert, or at least slow down, the habituation that can lead to boredom and marital dissatisfaction. While her methods may seem obvious, many married couples forget to put them into practice.

Building Companionship

Steps to slow, prevent or counteract hedonic adaptation and rescue a so-so marriage should be taken long before the union is in trouble, Dr. Lyubomirsky urges. Her recommended strategies include making time to be together and talk, truly listening to each other, and expressing admiration and affection.

Dr. Lyubomirsky emphasizes “the importance of appreciation”: count your blessings and resist taking a spouse for granted. Routinely remind yourself and your partner of what you appreciate about the person and the marriage.

Also important is variety, which is innately stimulating and rewarding and “critical if we want to stave off adaptation,” the psychologist writes. Mix things up, be spontaneous, change how you do things with your partner to keep your relationship “fresh, meaningful and positive.”

Novelty is a powerful aphrodisiac that can also enhance the pleasures of marital sex. But Dr. Lyubomirsky admits that “science has uncovered precious little about how to sustain passionate love.” She likens its decline to growing up or growing old, “simply part of being human.”

Variety goes hand in hand with another tip: surprise. With time, partners tend to get to know each other all too well, and they can fall into routines that become stultifying. Shake it up. Try new activities, new places, new friends. Learn new skills together.

Although I’ve been a “water bug” my whole life, my husband could swim only as far as he could hold his breath. We were able to enjoy the water together when we both learned to kayak.

“A pat on the back, a squeeze of the hand, a hug, an arm around the shoulder — the science of touch suggests that it can save a so-so marriage,” Dr. Lyubomirsky writes. “Introducing more (nonsexual) touching and affection on a daily basis will go a long way in rekindling the warmth and tenderness.”

She suggests “increasing the amount of physical contact in your relationship by a set amount each week” within the comfort level of the spouses’ personalities, backgrounds and openness to nonsexual touch.

Positive Energy

A long-married friend recently told me that her husband said he missed being touched and hugged. And she wondered what the two of them would talk about when they became empty-nesters. Now is the time, dear friend, to work on a more mutually rewarding relationship if you want your marriage to last.

Support your partner’s values, goals and dreams, and greet his or her good news with interest and delight. My husband’s passion lay in writing for the musical theater. When his day job moved to a different city, I suggested that rather than looking for a new one, he pursue his dream. It never became monetarily rewarding, but his vocation fulfilled him and thrilled me. He left a legacy of marvelous lyrics for more than a dozen shows.

Even a marriage that has been marred by negative, angry or hurtful remarks can often be rescued by filling the home with words and actions that elicit positive emotions, psychology research has shown.

According to studies by Barbara L. Fredrickson, a social psychologist and professor at the University of North Carolina at Chapel Hill, a flourishing relationship needs three times as many positive emotions as negative ones. In her forthcoming book, “Love 2.0,” Dr. Fredrickson says that cultivating positive energy everyday “motivates us to reach out for a hug more often or share and inspiring or silly idea or image.”

Dr. Lyubomirsky reports that happily married couples average five positive verbal and emotional expressions toward one another for every negative expression, but “very unhappy couples display ratios of less than one to one.”

To help get your relationship on a happier track, the psychologist suggests keeping a diary of positive and negative events that occur between you and your partner, and striving to increase the ratio of positive to negative.

She suggests asking yourself each morning, “What can I do for five minutes today to make my partner’s life better?” The simplest acts, like sharing an amusing event, smiling, or being playful, can enhance marital happiness.


This post has been revised to reflect the following correction:

Correction: January 18, 2013

The Personal Health column on Tuesday, about making marriages last, misspelled the given name of a professor of psychology at the University of California, Riverside, who studies happiness. She is Sonja Lyubomirsky, not Sonya.

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Preoccupations: Matthew May, on the Art of Adding by Taking Away





NORMALLY I have more ideas than I know what to do with. Several years ago, however, I ran out of them.




At the time, I was working closely with the senior leadership of a very large and successful Japanese company. I had been hired to help it develop new ideas and strategies in the United States, but was struggling with a particularly difficult project that required me to reconcile two completely different perspectives. (Eastern and Western ways of thinking are often at odds with each other.) I found myself at a standstill.


I must not have done a very good job of hiding how useless I was feeling, because a 2,500-year-old snippet of Chinese philosophy found its way to me anonymously, via a handwritten note on a Post-it stuck to my work space.


“To attain knowledge, add things every day. To attain wisdom, subtract things every day,” it said, capsulizing teachings of Lao Tzu. “Profit comes from what is there, usefulness from what is not there.”


My first thought was, “Someone wants me gone — I’d be more useful that way.” But as I read it again and thought about it, lightning struck.


It dawned on me that I’d been looking at my problem in the wrong way. As is natural and intuitive, I had been looking at what to do, rather than what not to do. But as soon as I shifted my perspective, I was able to complete the project successfully.


Even though the idea of subtracting things every day was thousands of years old, it was still radical to me. I decided to explore the idea further.


I discovered an essay by the management educator Jim Collins, in which he confirmed the ancient philosophy: “A great piece of art is composed not just of what is in the final piece, but equally important, what is not. It is the discipline to discard what does not fit — to cut out what might have already cost days or even years of effort — that distinguishes the truly exceptional artist and marks the ideal piece of work, be it a symphony, a novel, a painting, a company or, most important of all, a life.”


In reading several articles in scientific literature, I discovered that subtraction lights up a brain scan differently than addition does, because it uses different circuitry. In fact, accident victims suffering brain injuries often lose their ability to both add and subtract, retaining only one of the two. Subtraction is literally a different way of thinking.


While it hadn’t occurred to me to use subtraction in my own job, I realized that it is at the root of many professions. Scientists, mathematicians and engineers search for theories that explain highly complex phenomena in stunningly simple ways. Musicians and composers use pauses in the music — silence — to create dramatic tension. Athletes and dancers search for maximum impact with minimal effort. Filmmakers, novelists and songwriters strive to tell simple stories that foster both multiple meanings and universal resonance.


The principle of subtraction carries over to the corporate world. Here are some examples: W. L. Gore, recognized as one of the world’s most innovative companies, eliminated job titles in order to release employees’ creativity. When it started out, Scion, the youth-oriented unit of Toyota, decided not to advertise, and it reduced the number of standard features on its vehicles to allow buyers to customize their cars. The British bank First Direct operates successfully without branches, relying instead on Internet, telephone and mobile transactions. Steve Jobs revolutionized the world’s concept of a cellphone by removing the physical keyboard from the iPhone. Instagram, acquired last year by Facebook, grew quickly once its first version, called Burbn, was stripped of many of its features and reworked to focus on one thing: photos.


THINK about what you could do — or rather not do — in your own life that would put these principles into play. There are two easy ways to begin subtracting things every day:


First, create a “not to do” list to accompany your to-do list. Give careful thought to prioritizing your goals, projects and tasks, then eliminate the bottom 20 percent of the list — forever.


Second, ask those who matter to you most — clients, colleagues, family members and friends — what they would like you to stop doing. Warning: you may be surprised at just how long the list is.


The lesson I’ve learned from my pursuit of less is powerful in its simplicity: when you remove just the right things in just the right way, something good happens.


Matthew E. May is the author of “The Laws of Subtraction: 6 Simple Rules for Winning in the Age of Excess Everything.”



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Andrea Alarcon resigns powerful L.A. Board of Public Works post









Los Angeles Board of Public Works President Andrea Alarcon announced Friday that she is resigning from her post, and she apologized for what she described as "the missteps of my past."

Police have been investigating Alarcon, 33, on suspicion of child endangerment after her 11-year-old daughter was found unattended at City Hall on the night of Nov. 16. She also is facing separate child-endangerment and drunk-driving charges in San Bernardino County.

Alarcon, an appointee of Mayor Antonio Villaraigosa, did not mention either incident specifically in her announcement, saying instead that she had learned "difficult lessons."

"I understand and have prayed deeply on the gravity of my actions. I have profound regret for the missteps of my past and apologize to the Mayor, Council, Department of Public Works, the city family and the residents of Los Angeles," she said in a statement.


"I am grateful for the difficult lessons that I have learned and am now healthier and stronger," she said. "Through this experience, I have been reminded of my most important job -- being a mom. I look forward to the next chapter in my life dedicated to my family and my daughter. I ask that our privacy be respected as we continue to heal. It has been an honor and privilege to serve this great city."


Alarcon went on a leave of absence in the wake of the incident in November, saying she was seeking professional help.








Los Angeles County Dist. Atty. Jackie Lacey's office determined that the matter being investigated by the Los Angeles Police Department did not rise to the level of a felony and forwarded the case to City Atty. Carmen Trutanich. Trutanich's office said recently it would likely send the matter to state Atty. Gen. Kamala Harris because Alarcon, as a city employee, is a client.


Alarcon’s father, City Councilman Richard Alarcon, said his daughter did not receive a special severance package and was under no pressure from Villaraigosa to leave her $130,000-a-year post.


"As a father, it gives me pride to know when your kids make a misstep, they can recover," he said. "And as a father, I'm relieved that she's getting out of the glass house and I'm very excited about her future.”


Alarcon's last day of city employment is set for Wednesday.


Villaraigosa said in a statement that Alarcon was "tireless" in her work at the Board of Public Works, which handles such issues as trash pickup, street repair, sidewalk maintenance and sewer systems.

"I am encouraged by her commitment to addressing personal issues that have surfaced in recent months and know that she is already on a good path forward," the mayor said.





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Airlines Losing Millions as 787 Battery Investigation Continues



Aviation investigators and Boeing are continuing to determine what went wrong with the lithium-ion batteries on the 787 Dreamliner this month, prompting the first grounding of an American commercial airplane fleet since 1979.


As the airplane maker tries to find a fix, its customers are trying to figure out how to juggle schedules and routes to fly passengers with 50 Dreamliners grounded around the world. And at least one of those airlines is already saying it expects to be compensated by Boeing.


Today the Japanese Transport Safety Board released photos of the charred 787 battery that prompted pilots to make an emergency landing on Wednesday after they smelled smoke and cockpit indicators signaled a problem. Like the battery that caught fire on a 787 in Boston last week, the lithium-ion battery from the All Nippon Airways airplane showed a melted mass inside the battery case. There appears to be less damage on the outside of the battery box, indicating there was no fire outside the box, unlike the Boston incident.


GS Yuasa, the Japanese company that makes the lithium-ion batteries for the 787, is working with investigators.


It remains unclear whether the problem is with the batteries themselves, the power source or charging system, or the Dreamliner’s electrical system as a whole. The 787 is the most electric airliner ever built and relies far more on electricity to power on-board systems than any other airliner.


The Boeing 787 uses two 63-pound lithium-ion batteries primarily as backup power sources. The battery that caught fire in Boston is located in the tail of the airplane, and can also be used to start the nearby auxiliary power unit. The battery involved in Wednesday’s emergency landing in Japan is located under the cockpit in the front of the airplane.


The two airplanes involved were delivered almost a year apart. But according to the Seattle Times, the batteries may have been built in a much closer timeframe. The paper cites a source saying the serial numbers on the batteries were about 30 digits apart, indicating they may be from a single production run. If it turns out to be a battery manufacturing problem, it could show there is no widespread problem with the design and manufacturing of the Dreamliner itself. And flights could resume sooner than if the problem is traced to an inherent design problem with the airplane.


Boeing is already suggesting an interim fix could be a thorough inspection of the lithium-ion batteries and changes to pilot procedures for a more thorough check of any potential battery problems before flying according to the Seattle newspaper.


Ultimately Boeing is responsible for finding a fix to its new airplane whether the problem is traced to a bad batch of batteries or not. And already airlines are talking about being compensated as their $200 million airliners sit idle. Polish airline LOT says it will seek compensation from Boeing for its grounded airplanes according to Reuters. LOT’s 787 was left stranded in Chicago after making its first trans-Atlantic flight from Poland this week.


Several airlines, including Indian Airlines, are already receiving compensation from Boeing due to delays in the delivery of the 787 Dreamliner. With 50 airplanes grounded, the carriers are losing many millions of dollars. All Nippon Airways operates the largest fleet of 787s right now, with a total of 17 Dreamliners flying primarily domestic routes in Japan. The airline could be losing more than $1 million a day with its 787s parked according to Reuters.


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Winfrey’s Armstrong interview seen by 3.2 million






NEW YORK (AP) — Oprah Winfrey‘s interview with Lance Armstrong is more than an illustration of a hero athlete tumbling from the heights. It’s also a pivotal moment for a famous media figure trying to climb the ladder back up.


Winfrey’s OWN network is showing signs of life after a rocky start, and the Armstrong interview offered a chance for many more viewers to check it out. The former Tour de France cyclist admitted to cheating with performance enhancing drugs throughout his career during the first half of the interview Thursday night.






That program was seen by a total of 4.3 million viewers in Thursday’s back-to-back airings, OWN said Friday. But it drew only 3.2 million viewers in its first airing, an audience that fell short of OWN’s most-viewed telecast: an interview Winfrey conducted with the Whitney Houston family last March following the singer’s death the previous month.


The second half of the Armstrong interview is to air Friday night.


The interview “showcases the No. 1 asset this network has over everybody else — and that’s Oprah Winfrey,” said Erik Logan, co-president of the network with Sheri Solata. It also showcased about everything else; OWN relentlessly advertised its programming on just about every commercial break.


Winfrey, who hosts “Oprah‘s Master Class,” ”Oprah’s Life Class” and a weekly interview show on OWN, attended a real-life television management class over the past three years. The network launch at the dawn of 2011 came during the last season of Winfrey’s popular syndicated show, and that proved to be a major strategic error.


The daily talk show gave Winfrey’s fans their Oprah jolt, and they had little reason to watch the Oprah Winfrey Network. Winfrey wasn’t much of a presence there, anyway. She was concentrating on making sure her syndicated show went out with a flourish.


OWN flailed for direction with little-noticed celebrity reality shows featuring the Judds and Ryan and Tatum O’Neal. A Rosie O’Donnell talk show was an expensive flop.


Discovery Communications, which sunk a reported $ 250 million into OWN, told Winfrey she needed to be more involved with OWN, on and off screen. In July 2011, she became CEO as well as chairwoman of OWN, replacing Christina Norman.


“The initial expectations for this network turned out to be unrealistic,” said Brad Adgate, an analyst for Horizon Media. “Oprah wasn’t on camera. The shows weren’t all that good. The network got raked over the coals. People thought the network would be doing a million viewers (on average) and it’s doing a third of that.”


The Discovery networks save money by sharing services, yet OWN had set up its own fiefdom. That ended. Discovery brought in its executives to take over legal and business affairs, and OWN laid off one-fifth of its staff last March. To the outside world it looked like a sinking ship, while to Discovery the ship was being righted.


“We were always a lot more confident internally than it looked externally,” said David Leavy, chief communications officer for Discovery.


Like all cable networks, OWN has a dual revenue stream with advertising income as well as payments from cable and satellite operators to carry it on their systems. In its early days, OWN was operating on fees negotiated for its predecessor network, Discovery Health. Now much larger fees negotiated specifically for OWN are kicking in, many of them at the first of this year. Discovery says OWN will turn profitable this year.


A network still needs viewers to sustain itself, and there are some signs of life there, too. OWN’s prime-time audience averaged 310,000 in 2012, up 30 percent from 2011, the Nielsen company said. Isolate the last three months of each year and the increase is 61 percent, even more among the target of middle-aged women.


OWN is carving out a small niche where it hadn’t expected.


The Saturday night lineup of “Welcome to Sweety Pie’s,” about former Ike and Tina Turner backup singer Robbie Montgomery’s soul food restaurant that she operates with her family, and “Iyanla: Fix My Life,” an advice show with inspirational speaker Iyanla Vanzant, represent the most successful non-Oprah shows. Another new program, “Six Little McGhees, which follows the life of an Ohio couple with sextuplets, is also on the Saturday lineup.


The shows have drawn an audience of African-American women put off by more youth-focused programming on networks like BET. OWN’s audience is roughly one-third black.


OWN recently reached a deal to develop scripted programming with Tyler Perry, the creative force behind movies like “Madea’s Family Reunion” and the TBS series “Tyler Perry‘s House of Payne.”


Winfrey was known for attracting stars and confessions on her syndicated show — remember Tom Cruise’s couch jump? And even before landing the Armstrong interview, Winfrey has delivered the goods as an interviewer on her Sunday night show, “Oprah’s Next Chapter.”


Her talk with David Letterman that aired earlier this month was one of the most remarkable interviews the reticent CBS host has ever given. Besides last year’s interview with the Whitney Houston family, high-rated episodes of “Oprah’s Next Chapter” have featured Rihanna, Usher, Pastor Joel Osteen, the Kardashians and Steven Tyler.


The Armstrong interview aired before the usual Sunday night time slot partly because it was considered newsworthy enough to rush, but also because Winfrey had scheduled and promoted a talk with Drew Barrymore for Sunday.


Considering many viewers still have to search to find the network on their cable system, that’s a particularly strong lineup for OWN. She’s more competitive with the much bigger broadcast networks than could have rightly been considered.


The impact of the Armstrong interview won’t be known for a while, Logan said. Winfrey has called it the biggest interview of her career and it has already drawn more attention to OWN’s content than anything else so far. Removing the stench of failure in itself would be a big step.


The interview could also help OWN reach the 20 million or so cable and satellite subscribers across the country that currently don’t have it on their systems, Adgate said.


“They’ll be calling their cable operators and saying, ‘How come I’m not getting this?’” he said.


___


Television Writer Frazier Moore in New York contributed to this report.


___


EDITOR’S NOTE — David Bauder can be reached at dbauder(at)ap.org or on Twitter(at)dbauder.


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Flu Season ‘Worse Than Average,’ Officials Say





This year’s flu season is shaping up to be “worse than average and particularly bad for the elderly,” Dr. Thomas R. Frieden, the nation’s top federal disease-control official, said Friday.




But the season appears to have peaked, added Dr. Frieden, the director of the Centers for Disease Control and Prevention, with new cases declining over most of the nation except for the far West.


Spot shortages of flu vaccine and flu-fighting medicine are occurring, but that reflects uneven distribution, not a supply crisis, federal officials said. They urged people seeking flu shots to consult flu.gov and doctors to check preventinfluenza.org for suppliers.


Vaccine-makers will ultimately be able to deliver 145 million doses, 10 million more than projected earlier, the officials said. The Food and Drug Administration has allowed the maker of Tamiflu to release 2 million doses it had in storage.


The older Tamiflu is perfectly good, said Dr. Margaret A. Hamburg, the commissioner of the F.D.A., who joined Dr. Frieden on a telephone news conference. “It’s not outdated, it just has older labeling,” she said. “Repackaging it would take weeks,” she added, so her agency told the company not to bother.


Weekly recorded deaths from flu and pneumonia are still rising, and are well above the “epidemic” curve for the first time. But how severe a season ultimately proves depends on how long high weekly death rates persists. Flu deaths often aren’t recorded until March or April, well after new infections taper off.


Dr. Frieden said the season appeared to resemble the “moderately severe” season of 2003-2004, which also had an early start and was dominated by an H3N2 strain. In such seasons, 90 percent of all deaths occur among those over 65. Flu hospitalization rates are “quite high” now, Dr. Frieden said, and most of those hospitalized are elderly.


Last year’s flu season was unusually mild. At the end of the season last year, 34 children had died.


So far this year, the C.D.C.'s count of pediatric flu deaths, which includes premature infants and teenagers up to age 17 — has risen to 29, although this is acknowledged to be an undercount as it is only of lab-confirmed influenza cases reported to the agency.


Henry L. Niman, a flu-watcher who follows state death registries and news reports, counts about 40 pediatric deaths so far and predicted that the total would ultimately be close to the 153 of the 2003-04 season, but much less than in the 2009-2010 “swine flu” pandemic, when 282 children died. That flu was a strain never seen before and many more children caught it. The elderly had surprising resistance to getting it, presumably because similar flus that circulated 40 or more years ago had given them some immunity. But among those elderly who did catch it, the death rates were high.


Dr. Frieden suggested that the elderly avoid contact with sick children. “Having a grandparent baby-sit a sick child may not be a good idea,” he said.


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Your Money: Finding Investment Advice for More Modest Retirement Accounts





If you’re perfectly capable of running your own retirement savings, selecting the right mix of low-cost investments, rebalancing at the right time and not buying and selling out of fear or greed, then good for you.




But the majority of people — maybe the vast majority — are not like that. They may be smart enough to do the right thing, in theory, but they forget or slip up or are taken in by well-meaning friends bearing stock tips or annuity-peddling scoundrels who make nice to them over free steak dinners.


For people with more than $500,000 or so to invest, finding first-class help is hard but not impossible. If you have more than $1 million, you’ll have your choice of many of the best financial advisers in town. But until recently, it was tough for people with a few hundred thousand dollars or less to find reasonably priced assistance, especially if they were insistent on putting money in the kind of low-cost investments that would not pay a commission or other fee to the person helping them.


On Friday, the latest entrant in an increasingly crowded field of services trying to serve this customer is introducing its offering, which is called Rebalance IRA. As the name suggests, it exists only to help you with your Individual Retirement Account, perhaps one that you’ll fill with money that’s been sitting around in several 401(k) or similar accounts at previous employers.


Rebalance IRA representatives will talk with you about your goals, invest your money in a low-cost collection of index fundlike exchange-traded funds that don’t try to make big bets on individual stocks, and rebalance the investments when necessary. In exchange, you agree to hand over one half of 1 percent of your assets each year, with a minimum annual fee of $500.


The company’s single-minded focus on retirement savings is somewhat narrow, but it makes sense given how much money is at stake and how badly many people mess things up when they do it on their own.


There is more money in I.R.A.’s than in any other type of retirement vehicle, according to estimates from the Investment Company Institute. I.R.A. balances totaled $5.3 trillion at the end of the third quarter of 2012. That’s more than the $5 trillion in 401(k), 403(b) and other similar plans; the $4.8 trillion in government retirement plans; and the $2.6 trillion in traditional pensions.


According to the Department of Labor, the professionals who run pension plans earned an 8.3 percent annual return from 1991 to 2010. People fending for themselves in 401(k) and similar plans earned 7.2 percent. Nationwide I.R.A. performance figures are more scarce, though one 2006 study by the Center for Retirement Research put the figure for 1998 to 2003 at 3.8 percent annually, roughly 2 to 3 percentage points worse than pension fund managers and 401(k) investors did during that same period.


These numbers are a bit squishy, given that pensions often make bets in markets that 401(k) investors can’t access and the high fees that many 401(k) participants pay that pension managers don’t. Still, there are about a thousand reasons plenty of do-it-yourselfers (who, after all, did not volunteer to manage their retirement money) would be likely to get worse returns than, say, pension managers.


To start with, large numbers of people make extreme bets. At Vanguard, 10 percent of retirement plan participants invested only in stocks in 2011, while 8 percent had no stocks at all. At least this is better than 2004, when 35 percent of its customers were that far out of balance. Then, there are the emotional challenges. To stick with the mix of investments you’ve selected, you need to sell things that have done well and buy investments that have lagged recently. That’s hard to do.


Then there’s the grab bag of other feelings. The bad experience with a broker you may have had in the past. The spouse who may scold you for doing the wrong thing. The fear that may have caused you to bail out in early 2009 or the greed that has you pouring money into stocks today, now that they’re looking up again. This can be intensely hazardous to your long-term financial health.


All of this should be self-evident, but because we’re playing on the field of emotions, it isn’t. Still, it wasn’t immediately obvious to Mitch Tuchman, the man behind Rebalance IRA, who started a service for do-it-yourself index investors called MarketRiders in 2008.


A former software entrepreneur, Mr. Tuchman had a midlife conversion to passive investing and not trying to beat the market, and he wanted to help others invest in the same way. “We thought we could build such great software that we could turn everyone into a do-it-yourselfer,” he said. “And people said they didn’t have time or they didn’t care to do it themselves.”


MarketRiders charges subscribers $150 a year for instructions on how to adjust their portfolios and when, and it will continue to exist. But Mr. Tuchman, who had also started managing millions of dollars on the side for friends and family who simply could not be bothered to do it themselves, eventually realized that his sideline was where the real mass-market opportunity lay.


So why would you let this guy handle your money? It’s a perfectly reasonable question, and plenty of start-ups in the money management space don’t do a particularly good job of answering it.


This article has been revised to reflect the following correction:

Correction: January 18, 2013

An earlier version of this article misspelled the name in one instance of the author of “A Random Walk Down Wall Street.” He is Burton G. Malkiel, nor Markiel.



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Biden delivers preview of White House pitch on gun policies









WASHINGTON – Vice President Joe Biden laid out the White House’s plan to prevent future gun violence before the U.S. Conference of Mayors here Thursday, saying the proposal “isn’t just about guns.”


Speaking to a gathering of the nation’s mayors, Biden acknowledged that they are faced with a plethora of problems, but he labeled gun violence as the most immediate and urgent.


“Everyone acknowledges we have to do something, we have to act,” Biden said, adding that the Newtown, Conn., school shooting has affected the public psyche “in a way I’ve never seen before.”





Biden thanked a number of mayors for their input during the monthlong deliberations that brought in 229 groups to help form the administration’s gun proposals. 


The vice president said he and Obama supported the 2nd Amendment but believe that certain individuals should be “disqualified” from gun ownership and the country needs to make “common-sense judgments” about how to keep military-style weapons off the streets.


PHOTOS: A look ahead at 2013’s political battles


Biden, who spoke extensively about high-capacity ammunition magazines that “leave victims with no chance,” stopped short of making a resounding call for an assault weapons ban.


“The president believes that there should be a new and stronger assault weapons ban,” Biden said, but he admitted that the gun industry would eventually find a way around legislative standards.


But he did call for focus on the nation’s background check system, which is plagued with inadequacies, as The Times noted in a recent article.


“Today there are 17 states that have made fewer than 10 mental health records available on the mental health background system,” Biden said, calling not only for increased funding but for universal background checks to cover all firearm sales.


Taking a jab at the National Rifle Assn.’s proposal that armed guards be placed in every school, Biden trumpeted Obama’s proposal to allow schools to decide on an individual basis whether they want to use federal funds for armed guards or other preventative measures, such as counseling.


“We don’t want rent-a-cops armed in schools,” Biden said, to the applause of a number of mayors.


PHOTOS: Past presidential inaugurations


Also in his pitch, Biden praised adjustments to the nation’s mental health services system included in the Affordable Care Act, with the caveat that there is still much more to be done, and he called for federal agencies to be given more flexibility in examining the underlying factors behind gun violence.


“Quite frankly, we don’t have sufficient data,” he said. “And as an informed society, we need data.”


Biden’s speech, which ran beyond the “10 or 12 minutes” he promised at the onset, provided a preview of the administration’s expected push for its gun proposals to the American public.


“I’ve been in the fight a long time. I have no illusions about the fight ahead of us,” Biden said, adding that he was confident that with public support founded on “common-sense” consensus, “the political obstacles that will be put up in front of us are not impenetrable.”


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<cite>Temple Run 2</cite> Is a Clone of Itself



Earlier this week, I wrote a story titled “Why Your App Won’t Be the Next Temple Run,” which argued that unestablished indie devs will find it difficult to replicate the success of Imangi Studio’s free-to-play endless running game, which has now been downloaded over 170 million times. Lo and behold, the actual next Temple Run was announced later that day.


Temple Run 2, which debuted today, is in a bit of a weird position. After the first game started dominating the free charts on the App Store, a whole wave of me-too Temple Run clones like TheEnd and One Epic Knight showed up. Even Activision hopped on the wagon with a new version of Pitfall that pulls shamelessly from Temple Run.


The weird thing was, all of the clones were actually far better-looking than Temple Run, which was always somewhat visually bland. Now, in an effort to match the quality of games that have stolen ideas from it, Temple Run 2 runs the risk of looking like a knockoff of its own source material.


Temple Run 2 designer Keith Shepherd calls the clones “flattering, but frustrating,” but doesn’t think his game will be toppled by the competition.


“I think the innovators are the ones who come out on top,” he told Wired via phone.


Temple Run 2 is, more than anything, a graphical overhaul of the original game. Imangi Studios has added a few new mechanics like mine carts and zip lines, but the lush surroundings and rolling hills make it mostly an aesthetic upgrade.


The game looks good, but not markedly better than the clones. It merely brings Imangi’s franchise up to par with the imitators. There isn’t nearly as much diversity in the environments as you would expect, and there are even a few technical issues like lagging and texture pop-in. As a result, Temple Run 2 seems sort of like a response to the clones of its predecessor.


Shepherd says that the game has been designed with a framework that will be easy to expand upon. Temple Run 2 was built from the ground up on the Unity engine, which will allow Imangi to port it to other platforms far more easily (it took Imangi seven months to deliver the Android port of the first game).


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McCartney re-records song for animated YouTube clip






(Reuters) – Former Beatle Paul McCartney has recorded a new version of his 1971 song “Heart Of The Country,” and directed fans to YouTube where the song accompanies an animated clip featuring his late wife Linda.


“I did a new mega simple version of ‘Heart Of The Country’ for the Linda animation on YouTube,” McCartney posted on Twitter on Wednesday. The 40-second clip was posted in the United Kingdom on January 11 by “Linda McCartney.”






“Sounds cool to me!” he said in Wednesday’s tweet. In an earlier post, McCartney tweeted “Looks great – love it!”


In the clip, an animated Linda McCartney snaps photographs, prepares and serves food for children and animals and plays music in a forested setting.


Linda McCartney, who died 15 years ago, was an accomplished photographer and dedicated vegetarian and animal rights activist.


The singer did not say why he re-recorded the song, but people who posted comments on YouTube speculated that the clip and accompanying music would be used for a new advertisement for Linda McCartney’s line of vegetarian food products.


Media reports said the ad would air later this month.


“Heart Of The Country” was recorded for Paul and Linda McCartney’s 1971 “Ram,” which was the only album credited to the pair.


Linda McCartney died of breast cancer in 1998 at age 56.


(Reporting by Chris Michaud; editing by Patricia Reaney and Stacey Joyce)


Music News Headlines – Yahoo! News





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