<?xml version='1.0' encoding='UTF-8'?><?xml-stylesheet href="http://www.blogger.com/styles/atom.css" type="text/css"?><feed xmlns='http://www.w3.org/2005/Atom' xmlns:openSearch='http://a9.com/-/spec/opensearchrss/1.0/' xmlns:georss='http://www.georss.org/georss' xmlns:gd='http://schemas.google.com/g/2005' xmlns:thr='http://purl.org/syndication/thread/1.0'><id>tag:blogger.com,1999:blog-614505793611696503</id><updated>2011-07-08T09:56:23.022-05:00</updated><category term='Strikes'/><category term='Motivation'/><category term='Evil'/><category term='Voting'/><category term='Friendship'/><category term='Review'/><category term='Probability'/><category term='Good'/><category term='Culture'/><category term='Christianization'/><category term='Righteousness'/><category term='France'/><category term='Pleasure'/><category term='Poverty'/><category term='Fear'/><category term='Power'/><category term='Retirement'/><category term='Augustine'/><category term='Finance'/><category term='Investing'/><category term='Development'/><category term='Persecution'/><category term='Congress'/><category term='Moral Responsibility'/><category term='Joy'/><category term='Computers'/><category term='Charity'/><category term='Mathematics'/><category term='Biblical citations'/><category term='Mental illness'/><category term='Biotechnology'/><category term='Love'/><category term='Food'/><category term='Mystery'/><category term='Writing'/><category term='Latin'/><category term='Literature'/><category term='Haiti'/><category term='Blogs'/><category term='JavaScript'/><category term='Ethics'/><category term='Fiction'/><category term='President'/><category term='Constitution'/><title type='text'>Cogitorium</title><subtitle type='html'>A thought-tank for science, philosophy, and theology.</subtitle><link rel='http://schemas.google.com/g/2005#feed' type='application/atom+xml' href='http://cogitorium.blogspot.com/feeds/posts/default'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default?max-results=100'/><link rel='alternate' type='text/html' href='http://cogitorium.blogspot.com/'/><link rel='hub' href='http://pubsubhubbub.appspot.com/'/><author><name>Michael Culbertson</name><uri>http://www.blogger.com/profile/10609699686827256482</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><generator version='7.00' uri='http://www.blogger.com'>Blogger</generator><openSearch:totalResults>31</openSearch:totalResults><openSearch:startIndex>1</openSearch:startIndex><openSearch:itemsPerPage>100</openSearch:itemsPerPage><entry><id>tag:blogger.com,1999:blog-614505793611696503.post-7072773030043640082</id><published>2010-01-26T08:00:00.001-06:00</published><updated>2010-01-26T08:00:08.556-06:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Haiti'/><category scheme='http://www.blogger.com/atom/ns#' term='Biblical citations'/><category scheme='http://www.blogger.com/atom/ns#' term='Evil'/><category scheme='http://www.blogger.com/atom/ns#' term='Good'/><title type='text'>Battle in Haiti</title><content type='html'>Last night, I was &lt;a href="http://www.amazon.com/Inspired-Bible-Experience-Including-Media/dp/0310941555/"&gt;listening&lt;/a&gt; to the Joseph story and came to the part where Joseph is thrown into prison after Potiphar's wife falsely accuses him of attacking her.&amp;nbsp; I was struck by the next verse: "But while Joseph was there in prison, the Lord was with him" (&lt;a href="http://www.biblegateway.com/passage/?search=Gen%2039:20-21&amp;amp;version=TNIV"&gt;Gen 39:20-21&lt;/a&gt;).&amp;nbsp; By earthly standards, it certainly didn't seem like God was favoring Joseph---falsely accused, innocent yet imprisoned.&amp;nbsp; We might think that if God saw Joseph in his plight and cared for him, He would break him out of prison and vindicate him before his accusers.&amp;nbsp; However, Joseph remained in prison for some time longer than two years, and yet "the Lord was with him."&lt;br /&gt;&lt;br /&gt;A few days ago, Ben (a newlywed who moved to Haiti with his wife last fall to work at a school, and who has been swept up unexpectedly into relief efforts) was &lt;a href="http://www.benandkatieinhaiti.com/2010/01/haitian-sabbath.html"&gt;asked&lt;/a&gt; if he thought the devil knew he was defeated in Haiti.&amp;nbsp; Ben thought, "This woman clearly has not seen enough dead bodies, food riots, looting and general devastation to know that right now evil is alive and well in Haiti."&amp;nbsp; The devil certainly does seem to be having a heyday.&lt;br /&gt;&lt;br /&gt;I heard it said a number of years ago that Haiti was one of the darkest nations in the world, spiritually speaking.&amp;nbsp; As I was going to bed, I spent a moment praying for Haiti, and asked God that many of the relief workers flooding into the country would be Christians who would shine the light of Christ into Haiti's darkness---when suddenly I recalled the end of Joseph's story: After Jacob's death, Joseph's brothers fear he'll take vengeance for their mistreatment of him; but, Joseph tells them, "You meant evil against me, but God meant it for good" (&lt;a href="http://www.biblegateway.com/passage/?search=Genesis%2050:20&amp;amp;version=ESV"&gt;Gen 50:20&lt;/a&gt;).&lt;br /&gt;&lt;br /&gt;From a human perspective, it feels like the devil is winning in Haiti---hunger and suffering are rampant, death and destruction are at every turn, and it's possible (likely?) everything will get worse before it gets any better.&amp;nbsp; But, I wonder if from an eternal perspective things look a little different:&amp;nbsp; Could the earthquake signal the beginning of a last great battle for Haiti, as Christ (through His body, the Church) comes galloping in to unseat forever the powers of darkness that have held Haiti in their grasp?&amp;nbsp; The devil surely meant the quake for evil, but perhaps God means it for good.&amp;nbsp; And in the midst of the turmoil, we can take courage (&lt;a href="http://www.biblegateway.com/passage/?search=John%2016:33&amp;amp;version=NIV"&gt;John 16:33&lt;/a&gt;), for the victor is the same one who said, "And surely I am with you always, to the very end of the age" (&lt;a href="http://www.biblegateway.com/passage/?search=Matthew%2028:18-20&amp;amp;version=NIV"&gt;Matt 28:20&lt;/a&gt;).&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/614505793611696503-7072773030043640082?l=cogitorium.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://cogitorium.blogspot.com/feeds/7072773030043640082/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=614505793611696503&amp;postID=7072773030043640082' title='1 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/7072773030043640082'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/7072773030043640082'/><link rel='alternate' type='text/html' href='http://cogitorium.blogspot.com/2010/01/battle-in-haiti.html' title='Battle in Haiti'/><author><name>Michael Culbertson</name><uri>http://www.blogger.com/profile/10609699686827256482</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>1</thr:total></entry><entry><id>tag:blogger.com,1999:blog-614505793611696503.post-8758926907514034550</id><published>2010-01-25T20:23:00.005-06:00</published><updated>2010-01-26T01:25:20.197-06:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Haiti'/><category scheme='http://www.blogger.com/atom/ns#' term='Development'/><title type='text'>Planning First: A Novelty?</title><content type='html'>From &lt;a href="http://english.aljazeera.net/news/americas/2010/01/20101252235137354.html"&gt;Al Jazeera&lt;/a&gt;:&lt;br /&gt;&lt;blockquote&gt;&lt;p&gt;The conference in the Canadian city of Montreal was not intended to bring specific aid promises but to assess immediate needs and begin charting &lt;a href="http://en.wikipedia.org/wiki/Haiti"&gt;Haiti&lt;/a&gt;'s long-term recovery from the January 12 earthquake.&lt;/p&gt;&lt;p&gt;"We're trying to do this in the correct order. Sometimes people have pledging conferences and pledge money and they don't have any idea what they are going to do with it," &lt;a href="http://en.wikipedia.org/wiki/Hillary_Clinton"&gt;Hillary Clinton&lt;/a&gt;, the &lt;a href="http://en.wikipedia.org/wiki/U.S._Secretary_of_State"&gt;US secretary of state&lt;/a&gt;, said at a closing news conference. ...&lt;/p&gt;&lt;p&gt;"We actually think it's a novel idea to do the needs assessment first, and then the planning, and then the pledging," Clinton said.&lt;/p&gt;&lt;/blockquote&gt;&lt;br /&gt;It certainly is a sad truth that all too often people in development act before they plan, and decide what to do before figuring out what needs to be done or thinking about the long-term implications of one strategy over another.  But, really, is doing needs assessment before planning before acting really a "novel" idea?!&lt;br /&gt;&lt;br /&gt;I hope, for the people of Haiti's sake and that of all those in regions in need of development, that the key players in Haiti's reconstruction can pull off the process of conducting needs assessment and careful planning before rushing into action in a spectacular fashion, serving as a model for all development work, particularly if they can integrate evaluation of the redevelopment's implementation and effectiveness into the plan.&lt;br /&gt;&lt;br /&gt;Incidentally, I wonder if having a sound redevelopment plan from the outset could help alleviate donor fatigue.  It might not have much effect on individual donors, but big foundations/NGOs/governments might find it easier to "stay the course" if they knew where exactly they were headed and how far they had come.&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/614505793611696503-8758926907514034550?l=cogitorium.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://cogitorium.blogspot.com/feeds/8758926907514034550/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=614505793611696503&amp;postID=8758926907514034550' title='1 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/8758926907514034550'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/8758926907514034550'/><link rel='alternate' type='text/html' href='http://cogitorium.blogspot.com/2010/01/planning-first-novelty.html' title='Planning First: A Novelty?'/><author><name>Michael Culbertson</name><uri>http://www.blogger.com/profile/10609699686827256482</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>1</thr:total></entry><entry><id>tag:blogger.com,1999:blog-614505793611696503.post-5636044438052504922</id><published>2010-01-22T18:25:00.005-06:00</published><updated>2010-01-22T18:54:44.173-06:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Investing'/><category scheme='http://www.blogger.com/atom/ns#' term='Review'/><category scheme='http://www.blogger.com/atom/ns#' term='Retirement'/><title type='text'>The Investor's Manifesto: Prudence Before Riches</title><content type='html'>&lt;script src="http://www.goodreads.com/book/avg_rating_widget/6720027"&gt;&lt;/script&gt;&lt;br /&gt;&lt;br /&gt;&lt;p&gt;&lt;a href="http://www.worldcat.org/oclc/326509108"&gt;The Investor's Manifesto: preparing for prosperity, Armageddon, and everything in between&lt;/a&gt;, by &lt;a href="http://en.wikipedia.org/wiki/William_Bernstein"&gt;William Bernstein&lt;/a&gt;.  Rating: 4/5.&lt;/p&gt;&lt;br /&gt;A good description of basic investment strategy, written in a familiar, mildly humorous style. Bernstein's approach draws heavily on an investment version of &lt;a href="http://en.wikipedia.org/wiki/Pascal%27s_wager"&gt;Pascal's wager&lt;/a&gt;: Financial ruin in retirement if markets turn south is worse than living modestly (now and in retirement) even if markets are booming. Bernstein advocates for simple, unglamorous investing: &lt;br /&gt;&lt;blockquote&gt;"The name of the game is not to get rich, but rather to avoid dying poor. In fact, if you follow the advice in this book, I can guarantee you that you &lt;em&gt;will not&lt;/em&gt; get fabulously wealthy. Rather, I've striven to simultaneously maximize your chances of a comfortable retirement and minimize your chances of living out your final years in poverty. I know of no more laudable or more worthy investment goal." (183)&lt;/blockquote&gt;&lt;br /&gt; As a starting point, Bernstein cites the "age rule" for asset allocation: The percentage of bonds in your portfolio should be roughly the same as your age. This percentage should be increased or decreased up to 20 percentage points depending on your risk tolerance. Then, Bernstein recommends between 60-80% domestic stocks and 20-40% foreign stocks, and suggests that money should be placed in low-expense index or passively managed mutual funds. "Does this portfolio seem overly simplistic, even amateurish?" Bernstein asks---"Get over it. Over the next few decades, the overwhelming majority of all professional investors will not be able to beat it" (89). Investors interested in a more complex allocation could divide the stocks into small and large, value and market companies; but, Bernstein indicates that growth companies should be avoided, as they have a small dividend stream relative to stock price, and the dividend growth rate is a better predictor of future performance than growth of stock price.&lt;br /&gt;&lt;br /&gt;Chapter 1, "A Brief History of Financial Time," gives an overview of the history of financial markets and lays down a number of important principles of how markets work that undergird Bernstein's investment philosophy. Chapter 2, "The Nature of the Beast," describes the core of the philosophy. Chapter 3, "The Nature of the Portfolio," applies Bernstein's philosophy to creation of a portfolio. Chapter 4, "The Enemy in the Mirror," presents a number of neuro-psychological effects and common mistakes that investors make that derail them from their investing goals. Chapter 5, "Muggers and Worse," warns against brokerage houses and the like. Chapter 6, "Building Your Portfolio," introduces dollar cost averaging and value averaging, and provides four example scenarios of prototypical investors. Finally, chapter 7, "The Nature of the Game," provides a summary of the principal lessons from the book, suitable for sticking to the refrigerator for frequent review.&lt;br /&gt;&lt;br /&gt;The book is approachable for beginning investors, though some experience with investment vocabulary is helpful. Important points are placed in call-out boxes, and mathematical details are relegated to sidebars that can be skipped or skimmed without losing the overall message. Each chapter has a bullet-point summary of the most important topics for review.&lt;br /&gt;&lt;br /&gt;&lt;a href="http://www.goodreads.com/book/isbn/0470505141"&gt;&lt;img src="http://www.goodreads.com/images/badge/goodreads-badge-read-38px.jpg" alt="Read reviews on GoodReads" border="0" /&gt;&lt;/a&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/614505793611696503-5636044438052504922?l=cogitorium.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://cogitorium.blogspot.com/feeds/5636044438052504922/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=614505793611696503&amp;postID=5636044438052504922' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/5636044438052504922'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/5636044438052504922'/><link rel='alternate' type='text/html' href='http://cogitorium.blogspot.com/2010/01/investors-manifesto-prudence-before.html' title='The Investor&apos;s Manifesto: Prudence Before Riches'/><author><name>Michael Culbertson</name><uri>http://www.blogger.com/profile/10609699686827256482</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-614505793611696503.post-3612989156044738836</id><published>2010-01-06T19:33:00.004-06:00</published><updated>2010-01-06T20:13:45.686-06:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Augustine'/><title type='text'>Augustine on Science and the Bible</title><content type='html'>&lt;blockquote&gt;Usually, even a non-Christian knows something about the earth, the heavens, and the other elements of this world, ... and this knowledge he holds to as being certain from reason and experience.  Now, it is a disgraceful and dangerous thing for a nonbeliever to hear a Christian, presumably giving the meaning of Holy Scripture, talking nonsense on these topics; and we should take all means to prevent such an embarrassing situation, in which people show up vast ignorance in a Christian and laugh it to scorn.&lt;br /&gt;&lt;br /&gt;The shame is not so much that an ignorant individual is derided, but that people outside the household of faith think our sacred writers held such opinions, and, to the great loss of those for whose salvation we toil, the writers of our Scripture are criticized and rejected as unlearned men.  If they find a Christian mistaken in a field which they themselves know well and hear him maintaining his foolish opinions about our books, how are they going to believe those books in matters concerning the resurrection of the dead, the hope of eternal life, and the kingdom of heaven, when they think their pages are full of falsehoods on facts which they themselves have learnt from experience and the light of reason?&lt;br /&gt;&lt;br /&gt;Reckless and incompetent expounders of Holy Scripture bring untold trouble and sorrow on their wiser brethren when they are caught in one of their mischievous false opinions and are taken to task by those who are not bound by the authority of our sacred books.  For then, to defend their utterly foolish and obviously untrue statements, they will try to call upon Holy Scripture for proof and even recite from memory many passages which they think support their position, although they understand neither what they say nor the things about which they make assertion.&lt;br /&gt;&lt;br /&gt;-- &lt;a href="http://en.wikipedia.org/wiki/Augustine"&gt;Augustine&lt;/a&gt; (354-430), &lt;a style="font-style: italic;" href="http://www.worldcat.org/oclc/9264423"&gt;On the Literal Meaning of Genesis&lt;/a&gt;, I.19 (translated by John Hammond Taylor)&lt;br /&gt;&lt;/blockquote&gt;How true.  If only this wisdom given to Augustine were not covered in centuries of dust, but were read and considered by more Christians today.  How sad it is when some Christians get so caught up in testifying to their faith that they forget that how they act may be at cross-purposes with sharing that faith with others.&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/614505793611696503-3612989156044738836?l=cogitorium.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://cogitorium.blogspot.com/feeds/3612989156044738836/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=614505793611696503&amp;postID=3612989156044738836' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/3612989156044738836'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/3612989156044738836'/><link rel='alternate' type='text/html' href='http://cogitorium.blogspot.com/2010/01/augustine-on-science-and-bible.html' title='Augustine on Science and the Bible'/><author><name>Michael Culbertson</name><uri>http://www.blogger.com/profile/10609699686827256482</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-614505793611696503.post-1085365101380911142</id><published>2009-11-27T15:36:00.015-06:00</published><updated>2009-11-27T16:14:58.028-06:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Probability'/><category scheme='http://www.blogger.com/atom/ns#' term='Mathematics'/><title type='text'>How many bottle caps?</title><content type='html'>I &lt;a href="http://djbailey.org/archive.php?id=threecapproblem"&gt;ran across&lt;/a&gt; the following problem and couldn't resist.  The original inspiration was a Mountain Dew promotion.&lt;br /&gt;&lt;br /&gt;Consider the following game: Suppose you have N bottle caps, each with the name of a different sports team on the underside. You win if you draw (with replacement) three of the same team.  Note that a win is impossible for less than three draws and is guaranteed by the 2N+1 draw.  For n draws, the probability of having some particular set of caps &lt;a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://3.bp.blogspot.com/_uWxi_-s0wNo/SxBGwnneZwI/AAAAAAAAAKk/x3vAEHAlqNA/s1600/img1.png"&gt;&lt;img style="vertical-align: text-bottom; cursor: pointer; width: 86px; height: 18px;" src="http://3.bp.blogspot.com/_uWxi_-s0wNo/SxBGwnneZwI/AAAAAAAAAKk/x3vAEHAlqNA/s320/img1.png" alt="(x_1, \dots, x_N)" id="BLOGGER_PHOTO_ID_5408900953554183938" border="0" /&gt;&lt;/a&gt;, &lt;a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://4.bp.blogspot.com/_uWxi_-s0wNo/SxBHN8E-MoI/AAAAAAAAAKs/jwzPHggMV6I/s1600/img2.png"&gt;&lt;img style="vertical-align: text-bottom; cursor: pointer; width: 80px; height: 22px;" src="http://4.bp.blogspot.com/_uWxi_-s0wNo/SxBHN8E-MoI/AAAAAAAAAKs/jwzPHggMV6I/s320/img2.png" alt="\sum_i^N x_i = n" id="BLOGGER_PHOTO_ID_5408901457262817922" border="0" /&gt;&lt;/a&gt;, follows a Multinomial distribution:&lt;br /&gt;&lt;br /&gt;&lt;div style="text-align: center;"&gt;&lt;a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://4.bp.blogspot.com/_uWxi_-s0wNo/SxBHSwlycZI/AAAAAAAAAK0/XtqvCeyNfeg/s1600/img3.png"&gt;&lt;img style="cursor: pointer; width: 273px; height: 42px;" src="http://4.bp.blogspot.com/_uWxi_-s0wNo/SxBHSwlycZI/AAAAAAAAAK0/XtqvCeyNfeg/s320/img3.png" alt="p(x_1, \dots, x_N) = \frac{n!}{x_1!x_2!\cdots x_N!}\left(\frac{1}{N}\right)^n" id="BLOGGER_PHOTO_ID_5408901540078580114" border="0" /&gt;&lt;/a&gt;&lt;/div&gt;&lt;br /&gt;The probability of not winning by the n'th draw is the sum of all the probabilities with &lt;a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://3.bp.blogspot.com/_uWxi_-s0wNo/SxBHkkwGWJI/AAAAAAAAAK8/5iq0W6pvQ-E/s1600/img4.png"&gt;&lt;img style="vertical-align: text-bottom; cursor: pointer; width: 76px; height: 15px;" src="http://3.bp.blogspot.com/_uWxi_-s0wNo/SxBHkkwGWJI/AAAAAAAAAK8/5iq0W6pvQ-E/s320/img4.png" alt="x_i = 0, 1, 2" id="BLOGGER_PHOTO_ID_5408901846138247314" border="0" /&gt;&lt;/a&gt;, &lt;a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://1.bp.blogspot.com/_uWxi_-s0wNo/SxBH66kfFaI/AAAAAAAAALE/LYe0503m8nA/s1600/img5.png"&gt;&lt;img style="vertical-align: text-bottom; cursor: pointer; width: 88px; height: 15px;" src="http://1.bp.blogspot.com/_uWxi_-s0wNo/SxBH66kfFaI/AAAAAAAAALE/LYe0503m8nA/s320/img5.png" alt="i = 1, \dots, N$" id="BLOGGER_PHOTO_ID_5408902229952239010" border="0" /&gt;&lt;/a&gt;, and &lt;a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://4.bp.blogspot.com/_uWxi_-s0wNo/SxBHN8E-MoI/AAAAAAAAAKs/jwzPHggMV6I/s1600/img2.png"&gt;&lt;img style="vertical-align: text-bottom; cursor: pointer; width: 80px; height: 22px;" src="http://4.bp.blogspot.com/_uWxi_-s0wNo/SxBHN8E-MoI/AAAAAAAAAKs/jwzPHggMV6I/s320/img2.png" alt="sum_i^N x_i = n" id="BLOGGER_PHOTO_ID_5408901457262817922" border="0" /&gt;&lt;/a&gt;. Now, permutations of the vector &lt;a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://3.bp.blogspot.com/_uWxi_-s0wNo/SxBGwnneZwI/AAAAAAAAAKk/x3vAEHAlqNA/s1600/img1.png"&gt;&lt;img style="vertical-align: text-bottom; cursor: pointer; width: 86px; height: 18px;" src="http://3.bp.blogspot.com/_uWxi_-s0wNo/SxBGwnneZwI/AAAAAAAAAKk/x3vAEHAlqNA/s320/img1.png" alt="(x_1, \dots, x_N)" id="BLOGGER_PHOTO_ID_5408900953554183938" border="0" /&gt;&lt;/a&gt; are equally likely, and the number of possible non-winning vectors that have &lt;a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://4.bp.blogspot.com/_uWxi_-s0wNo/SxBITtp77JI/AAAAAAAAALU/BggF37vZMb8/s1600/img8.png"&gt;&lt;img style="vertical-align: text-bottom; cursor: pointer; width: 202px; height: 17px;" src="http://4.bp.blogspot.com/_uWxi_-s0wNo/SxBITtp77JI/AAAAAAAAALU/BggF37vZMb8/s320/img8.png" alt="k = \max\{ n-N, 0\}, \dots, n/2" id="BLOGGER_PHOTO_ID_5408902655982169234" border="0" /&gt;&lt;/a&gt; teams with two drawn caps is&lt;br /&gt;&lt;br /&gt;&lt;div style="text-align: center;"&gt;&lt;a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://3.bp.blogspot.com/_uWxi_-s0wNo/SxBIaQe_X4I/AAAAAAAAALc/DDgR55nNJZ8/s1600/img9.png"&gt;&lt;img style="cursor: pointer; width: 320px; height: 41px;" src="http://3.bp.blogspot.com/_uWxi_-s0wNo/SxBIaQe_X4I/AAAAAAAAALc/DDgR55nNJZ8/s320/img9.png" alt="{N \choose{n-k}} {{n-k}\choose{k}} = \frac{N!}{k! (n-2k)! (N-n+k)!}" id="BLOGGER_PHOTO_ID_5408902768410713986" border="0" /&gt;&lt;/a&gt;&lt;/div&gt;&lt;br /&gt;Then, the probability of not winning by the n'th draw, given that there are k teams with two caps, is&lt;br /&gt;&lt;br /&gt;&lt;div style="text-align: center;"&gt;&lt;a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://3.bp.blogspot.com/_uWxi_-s0wNo/SxBIkPrY-9I/AAAAAAAAALk/TKw-s3nChuQ/s1600/img10.png"&gt;&lt;img style="cursor: pointer; width: 271px; height: 42px;" src="http://3.bp.blogspot.com/_uWxi_-s0wNo/SxBIkPrY-9I/AAAAAAAAALk/TKw-s3nChuQ/s320/img10.png" alt="p(n|k) = {N\choose{n-k}} {{n-k}\choose{k}} \frac{n!}{2^k} \left(\frac{1}{N}\right)^n " id="BLOGGER_PHOTO_ID_5408902939992980434" border="0" /&gt;&lt;/a&gt;&lt;/div&gt;&lt;br /&gt;Thus, the probability of winning on the (n+1)'th draw is&lt;br /&gt;&lt;br /&gt;&lt;div style="text-align: center;"&gt;&lt;a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://4.bp.blogspot.com/_uWxi_-s0wNo/SxBIpouLn4I/AAAAAAAAALs/8Jkgnq17wP8/s1600/img11.png"&gt;&lt;img style="cursor: pointer; width: 237px; height: 54px;" src="http://4.bp.blogspot.com/_uWxi_-s0wNo/SxBIpouLn4I/AAAAAAAAALs/8Jkgnq17wP8/s320/img11.png" alt="p_{\rm win}(n) = \sum_{k = \max\{n-N, 0\}}^{n/2} p(n|k)\frac{k}{N}" id="BLOGGER_PHOTO_ID_5408903032614920066" border="0" /&gt;&lt;/a&gt;&lt;/div&gt;&lt;br /&gt;If there are 30 teams, the chance of winning on the third draw is 0.1%.  It takes about 18 draws to have a 50% chance of winning, 27 draws to have a 90% chance of winning, and 38 draws to have a 99.9% chance of winning.&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/614505793611696503-1085365101380911142?l=cogitorium.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://cogitorium.blogspot.com/feeds/1085365101380911142/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=614505793611696503&amp;postID=1085365101380911142' title='2 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/1085365101380911142'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/1085365101380911142'/><link rel='alternate' type='text/html' href='http://cogitorium.blogspot.com/2009/11/how-many-bottle-caps.html' title='How many bottle caps?'/><author><name>Michael Culbertson</name><uri>http://www.blogger.com/profile/10609699686827256482</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media='http://search.yahoo.com/mrss/' url='http://3.bp.blogspot.com/_uWxi_-s0wNo/SxBGwnneZwI/AAAAAAAAAKk/x3vAEHAlqNA/s72-c/img1.png' height='72' width='72'/><thr:total>2</thr:total></entry><entry><id>tag:blogger.com,1999:blog-614505793611696503.post-3580603920352436951</id><published>2008-09-01T20:36:00.006-05:00</published><updated>2008-09-01T21:37:54.004-05:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Retirement'/><category scheme='http://www.blogger.com/atom/ns#' term='Finance'/><category scheme='http://www.blogger.com/atom/ns#' term='Mathematics'/><title type='text'>Graduated Annuity Calculator</title><content type='html'>I use &lt;a href="http://www.google.com/analytics"&gt;Google Analytics&lt;/a&gt; to keep track of visits to the Cogitorium as a matter of curiosity.  When I posted the results of my &lt;a href="http://cogitorium.blogspot.com/2007/08/calculating-graduated-annuity.html"&gt;graduated annuity&lt;/a&gt; calculations, I figured most people would respond as &lt;a href="http://thinkulum.net/"&gt;my brother&lt;/a&gt; did: "Why would you write about something boring like that?"  Much to my very great surprise, my entry on the graduated annuity has turned out to be my most popular!  Since the beginning of this year, the entry has received nearly one hit per day (which is a lot by my humble standards).&lt;br /&gt;&lt;br /&gt;Given the interest in graduated annuities, I thought I would whip up a quick applet to perform calculations with the graduated annuity, since many people might not want to slog through the math on their own.  Below are a few usage notes, the applet, and several calculation examples.  For those who are interested, the &lt;a href="http://michael.culbertson.googlepages.com/codesnippets"&gt;source code&lt;/a&gt; is available, and is released into the public domain.&lt;br /&gt;&lt;br /&gt;&lt;ol&gt;&lt;li&gt;The Interest Rate and the Acceleration Rate are entered in percent and cannot be the same.&lt;/li&gt;&lt;li&gt;When calculating the Final value, enter a positive Base Value for savings or a negative Base Value (with an Initial Value) for accelerated withdrawals.&lt;/li&gt;&lt;li&gt;When calculating either rate, no Initial Value is permitted.&lt;/li&gt;&lt;li&gt;Selecting Years calculates the amount of time a given Initial Value will last with accelerated withdrawals.  It doesn't work with Final Values other than 0, or with positive Base Deposits.&lt;/li&gt;&lt;li&gt;Enter 0 for the Acceleration Rate to calculate a normal annuity.&lt;br /&gt;&lt;/li&gt;&lt;/ol&gt;&lt;br /&gt;&lt;br /&gt;&lt;center&gt;&lt;applet code="gradAnnuity.class" archive="http://michael.culbertson.googlepages.com/gradAnnuity.jar" height="200" width="300"&gt;&lt;/applet&gt;&lt;/center&gt;&lt;br /&gt;&lt;br /&gt;Examples:&lt;br /&gt;&lt;ol&gt;&lt;li&gt;To calculate the savings of $1000/year (unaccelerated) for 10 years at 5% interest, enter 0 for the Initial Value, 1000 for the Base Deposit, 5 for the Interest Rate, 0 for the Acceleration Rate, and 10 for Years.  Pressing calculate gives $12,577.89.&lt;/li&gt;&lt;li&gt;Suppose we choose to accelerate the savings in the previous example by 4% each year.  Enter 4 for the Acceleration Rate.  Pressing calculate shows the savings grow to $14,865.03.&lt;br /&gt;&lt;/li&gt;&lt;li&gt;Suppose we have $10,000 and would like to reach $100,000 in 5 years.  How much would need to be saved each year, if we expect an 8% return on the savings?  Select the Base Deposit radio button, enter 10000 for the Initial Value, 100000 for the Final Value, 8 for the Interest Rate, 0 for the Acceleration Rate, and 5 for Years.  Pressing calculate gives $14,541.08.&lt;/li&gt;&lt;li&gt;Suppose we want to reach $100,000 in 10 years.  If we start with a $6,000/yr deposit, how fast would the deposits have to accelerate to reach our goal, if we expect an 8% return on the savings?  Select the Acceleration Rate radio button, enter 0 for Initial Value, 100000 for Final Value, 6000 for Base Deposit, and 10 for Years.  Pressing calculate shows that the deposit amount must increase by 3.6% each year to reach the goal.&lt;/li&gt;&lt;li&gt;Suppose we have $500,000 saved for retirement, earning 5% per year.  We plan on withdrawing $30,000/yr and would like to increase this amount by 2% each year to account for cost of living increases (price inflation).  How much will be left after 10 years?  Select the Final Value radio button, and enter 500000 for Initial Value, -30000 for Base Desposit, 5 for Interest Rate, 2 for Acceleration Rate, and 10 for Years.  Pressing calculate shows that $404,547.11 will remain.&lt;/li&gt;&lt;li&gt;How long will the savings in this scenario last?  Select the Years radio button.  Pressing calculate shows that the savings will last almost 24 years.&lt;br /&gt;&lt;/li&gt;&lt;/ol&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/614505793611696503-3580603920352436951?l=cogitorium.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://cogitorium.blogspot.com/feeds/3580603920352436951/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=614505793611696503&amp;postID=3580603920352436951' title='1 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/3580603920352436951'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/3580603920352436951'/><link rel='alternate' type='text/html' href='http://cogitorium.blogspot.com/2008/09/graduated-annuity-calculator.html' title='Graduated Annuity Calculator'/><author><name>Michael Culbertson</name><uri>http://www.blogger.com/profile/10609699686827256482</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>1</thr:total></entry><entry><id>tag:blogger.com,1999:blog-614505793611696503.post-4984278353367118182</id><published>2008-08-29T09:00:00.004-05:00</published><updated>2008-08-29T09:00:00.946-05:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Poverty'/><title type='text'>Poverty Measure Proposals</title><content type='html'>Last month, New York City Mayor Michael Bloomberg &lt;a href="http://www.mikebloomberg.com/en/issues/mayor_bloomberg_announces_new_poverty_measure.htm"&gt;announced&lt;/a&gt; the findings in the city's &lt;a href="http://www.nyc.gov/html/ceo/html/home/home.shtml"&gt;Center for Economic Opportunity&lt;/a&gt;'s &lt;a href="http://www.nyc.gov/html/ceo/downloads/pdf/final_poverty_report.pdf"&gt;proposal&lt;/a&gt; for a new poverty measure to replace or supplement the measure used by the Federal government.&amp;nbsp; The &lt;a href="http://aspe.hhs.gov/poverty/faq.shtml#developed"&gt;Federal poverty measure&lt;/a&gt; was originally based on the cost of the U.S. Department of Agriculture's economy food plan that detailed the minimum nutritional requirements for a family in need.&amp;nbsp; The poverty threshold was calculate as three times the annual cost of the food plan, based on the average composition of family spending when the measure was developed in the 1960s.&amp;nbsp; Since its development, the measure has been updated only based on increases in the &lt;a href="http://www.bls.gov/CPI/"&gt;Consumer Price Index&lt;/a&gt;.&amp;nbsp; Advocates for the poor claim that the forty-year old measure is now out of date, and thus does not accurately represent the level of poverty in America.&amp;nbsp; To support this, the advocates claim that food spending now makes up only one-eighth (not one-third) of family expenditures, due to increases in other necessary spending such as shelter and health care.&amp;nbsp; Moreover, although the Federal poverty measure is used uniformly throught the nation, cost of living varies dramatically by location---for the cost of renting a studio apartment in New York City, one could buy a small house in a less-urban location.&lt;br /&gt;&lt;br /&gt;In response to this, the NYC CEO has proposed adopting a more detailed measure &lt;a href="http://books.nap.edu/catalog.php?record_id=4759"&gt;developed&lt;/a&gt; by the National Academy of Sciences in 1995.&amp;nbsp; The new measure sets a threshold just under median family expenditure on food, clothing, shelter, and utilities in a particular geographic location.&amp;nbsp; Additionally, instead of counting only pre-tax income, the new measure includes both post-tax income and the value of near-cash benefits such as food stamps and housing subsidies, minus work-related expenses (such as child-care and transportation costs) and out-of-pocket medical expenses, which reduce a family's resources available for meeting its basic needs.&lt;br /&gt;&lt;br /&gt;While this new measure makes significant strides in providing a more accurate picture of poverty in the United States, it suffers from at least two particular weaknesses.&amp;nbsp; First, the poverty threshold's calculation of expenditures for basic needs is based on the median expenditure among all families, and not on a family's actual needs for survival.&amp;nbsp; Over time, as the real income of median families increases, a significant number of these families are bound to choose to purchase more-expensive food items or more-expensive clothing.&amp;nbsp; As a result, median expenditures will increase beyond the cost of minimally adequate goods to meet basic needs.&amp;nbsp; Although establishing a budget of minimally adequate goods does depend on the judgement of experts, as the NAS panel &lt;a href="http://books.nap.edu/openbook.php?record_id=4759&amp;amp;page=107"&gt;points out&lt;/a&gt;, the solution to expert bias is to include more and varied voices in the deliberation of what constitutes minimally adequate.&amp;nbsp; Instead, the multiplier approach the panel recommends is based not on what consumers' needs, but simply on how consumers choose to spend their money, whether those choices are motivated by wants or needs.&lt;br /&gt;&lt;br /&gt;Second, the new measure's proposal to include welfare receipts among a family's resources gives a misleading picture of the family's ability to support itself.&amp;nbsp; While it is certainly true, as the panel &lt;a href="http://books.nap.edu/openbook.php?record_id=4759&amp;amp;page=219"&gt;notes&lt;/a&gt;, that welfare services have "have made important contributions to reducing material hardship in the United States," the fact that families must rely on these services to make ends meet is itself an indicator of poverty, thus it makes little sense to reduce poverty figures based on the input of social services.&amp;nbsp; These services, while highly valuable and eminently necessary to relieve immediate suffering, merely treat the symptoms of poverty---they cannot and do not reduce it.&lt;br /&gt;&lt;br /&gt;Bloomberg is not the only public official to recommend use of the new NAS-proposed poverty measure: Representative Jim McDermott has also &lt;a href="http://waysandmeans.house.gov/media/pdf/110/mapa.pdf"&gt;drafted a bill&lt;/a&gt; based on the NAS panel's findings, though the bill has yet to be introduced in Congress.&amp;nbsp; While the new poverty measure is a step in the right direction, I believe more work is necessary before we arrive at a high-quality picture of poverty in the U.S.&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/614505793611696503-4984278353367118182?l=cogitorium.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://cogitorium.blogspot.com/feeds/4984278353367118182/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=614505793611696503&amp;postID=4984278353367118182' title='1 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/4984278353367118182'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/4984278353367118182'/><link rel='alternate' type='text/html' href='http://cogitorium.blogspot.com/2008/08/poverty-measure-proposals.html' title='Poverty Measure Proposals'/><author><name>Michael Culbertson</name><uri>http://www.blogger.com/profile/10609699686827256482</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>1</thr:total></entry><entry><id>tag:blogger.com,1999:blog-614505793611696503.post-419156678455972966</id><published>2008-08-28T09:00:00.000-05:00</published><updated>2008-08-28T09:00:00.666-05:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Mystery'/><title type='text'>On Mystery</title><content type='html'>Mystery is a state of not knowing the answer to some question after a certain amount of effort in thinking about it.&amp;nbsp; Unlike not understanding fractions, mysteries involve curiosity, a sense of wonder, and a desire to know despite the hindrances.&lt;br /&gt;&lt;br /&gt;In any sufficiently complex system, there will always be an element of mystery given our limited capacity to understand the world around us.&amp;nbsp; Science holds plenty of mystery: What was the universe like just after the Big Bang?&amp;nbsp; What did the beginnings of life on earth look like?&amp;nbsp; How much of one's personality is nature versus nurture? Confronted by these mysteries and others, the components of awe and a desire to know fuel scientists' zeal in pursuing scientific inquiry.&amp;nbsp; Just as in any good detective novel, the fact that something is a mystery today does not imply that careful investigation will not remove the cloak to reveal the hidden knowledge.&lt;br /&gt;&lt;br /&gt;In spiritual matters, some people seem to relish in mystery: They are perfectly content not to know and even enjoy the hiddenness of the knowledge, possibly because it fulfills a longing in their hearts to know that something bigger than themselves exists.&amp;nbsp; I, however, view spiritual mysteries as those in science: They beg to be solved.&amp;nbsp; Now, this is not to suggest that all spiritual mysteries are solvable---God is certainly a complex system.&amp;nbsp; Indeed, sometimes, I may decide after careful reflection that no matter how much more I might think about an issue, the available data are simply insufficient to decide one way or another, and I become contentedly agnostic on that point.&amp;nbsp; However in general, I see the challenge of spiritual mystery as an invitation to delve deeper in my understanding of God so that with each mystery unveiled, I can marvel at his wondrous majesty.&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/614505793611696503-419156678455972966?l=cogitorium.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://cogitorium.blogspot.com/feeds/419156678455972966/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=614505793611696503&amp;postID=419156678455972966' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/419156678455972966'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/419156678455972966'/><link rel='alternate' type='text/html' href='http://cogitorium.blogspot.com/2008/08/on-mystery.html' title='On Mystery'/><author><name>Michael Culbertson</name><uri>http://www.blogger.com/profile/10609699686827256482</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-614505793611696503.post-2145513973346244384</id><published>2008-08-27T09:00:00.000-05:00</published><updated>2008-08-27T09:00:00.284-05:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Friendship'/><category scheme='http://www.blogger.com/atom/ns#' term='Love'/><title type='text'>On the Interest in Love</title><content type='html'>We can take an interest in things for a number of reasons.&amp;nbsp; We might be interested out of a general desire to learn about the unknown (curiosity); for example, I might pick up a book about the Maori because I know little about New Zealand aboriginal people and have a general desire to learn.&amp;nbsp; We might attend to something due to an obligation we've accepted (duty); for example, I might read about presidential candidates, even if I hate political wrangling, because I feel a civic responsibility to elect sound leaders.&amp;nbsp; We might take interest for some anticipated ancillary benefit (mercenary); for example, I may go to a social event at a conference, not because I like to socialize, but in order to make contacts useful to my career.&amp;nbsp; Or, our interest may be fueled by the pleasure we receive from following or interacting with the object; for example, I may watch every baseball game of my favorite team, due to the strong positive affect I feel from a constructed (if not imagined) sense of group identity (talk about interesting phenomena).&lt;br /&gt;&lt;br /&gt;In my current relational theory, love involves taking on the interests of the beloved as one's own (to avoid equivocation, let this be understood to mean being interested in the beloved's well-being).&amp;nbsp; But which kind of interest?&lt;br /&gt;&lt;br /&gt;The interest in love doesn't seem to be curiosity, since love usually implies a kind of familiarity. (In the case of "love at first sight"---the experience of strong affinity at first meeting---I would say that a certain kind of passion overwhelms what one would call mere curiosity.) Nor would many say that an interest from duty alone qualifies, since love implies a certain voluntariness that surpasses obligation. (Arranged marriage and patriotism are interesting cases: If I participate in some civic duty, the act counts as patriotism only if the duty is accompanied by a "love" of country.&amp;nbsp; In arranged marriage, if I may take on my spouse's interests merely out of marital obligation, one might say I have a kind of love, but this limited kind of love is not nearly as strong as if I am impassioned for my spouse.)&amp;nbsp; Mercenary interest certainly doesn't count, since I can't take an interest in the well-being of another if I care only for my own personal benefit.&amp;nbsp; Thus, love must involve interest that is motivated by the pleasure received from following or interacting with that interest (namely, the well-being of the beloved).&lt;br /&gt;&lt;br /&gt;&lt;i&gt;Selfless&lt;/i&gt; love, then, does not imply that there is absolutely no personal benefit.&amp;nbsp; Rather, the personal benefit is nothing other than enjoying the fulfillment of one's desire to see the well-being of the beloved.&amp;nbsp; In this way, the personal benefit received is predicated on the other, and not centered on oneself, which would turn the interest into something mercenary. There might also be another, stronger kind of selfless love---one in which the lover places the well-being of the beloved above all other personal interests.&lt;br /&gt;&lt;br /&gt;This leads to the question: Is love diluted by ancillary interests?&amp;nbsp; If I take an interest in your well-being, is my love worth less if I also enjoy the fact that you give me a lift whenever I need it?&amp;nbsp; My inclination is to say no: The fact that I enjoy your generosity and hospitality does not necessarily diminish the fact that I enjoy seeing your well-being.&amp;nbsp; Indeed, it seems that these positive characteristics or ancillary personal benefits may enhance the enjoyment of the beloved and the associated desire to see the beloved's well-being.&amp;nbsp; In fact, I wonder if the mechanism of the growth of love in a relationship sometimes (many times?) makes use of these ancillary personal benefits, which then develop into an interest in the beloved's well-being.&amp;nbsp; The trouble comes when such a development never occurs, or when the ancillary benefits displace the more-important interest in the beloved's well-being.&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/614505793611696503-2145513973346244384?l=cogitorium.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://cogitorium.blogspot.com/feeds/2145513973346244384/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=614505793611696503&amp;postID=2145513973346244384' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/2145513973346244384'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/2145513973346244384'/><link rel='alternate' type='text/html' href='http://cogitorium.blogspot.com/2008/08/on-interest-in-love.html' title='On the Interest in Love'/><author><name>Michael Culbertson</name><uri>http://www.blogger.com/profile/10609699686827256482</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-614505793611696503.post-602109973510486488</id><published>2008-08-26T09:00:00.001-05:00</published><updated>2008-08-26T09:00:00.943-05:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Moral Responsibility'/><category scheme='http://www.blogger.com/atom/ns#' term='Righteousness'/><category scheme='http://www.blogger.com/atom/ns#' term='Ethics'/><title type='text'>Ethics vs. Righteousness</title><content type='html'>In my conversation this past Sunday, my interlocutor suggested than an ethical act and a righteous act (he seemed to be using the words synonymously) was not merely doing the right thing, but also having the right motivation, name what he called Christian motivation, which he said was based in love of God and love of neighbor.  It struck me as a bit too restrictive to say that an act is not ethical unless it bears good motivation, even more so &lt;span style="font-style: italic;"&gt;Christian&lt;/span&gt; motivation.  There seem to be two separate components to consider in judging the goodness of reflective actions (I'll leave aside actions that are impulsive): the external event and the internal motivation.  Either of these components (independently) can be in line or out of line with God's requirements.  An external action in line with God's law, even if executed with an improper spirit, is certainly better than a wrong external action, though a right action with a right spirit is indeed better than both.  It seems, then, proper to make a distinction between events where both the external act and the internal motivation are in line with God's law and events where the external act is in line with God's law, though the spirit falls short.&lt;br /&gt;&lt;br /&gt;At first glance, it seems like "ethical" and "righteous" could suit this distinction well: A &lt;span style="font-style: italic;"&gt;righteous&lt;/span&gt; act is doing the right thing for the right reason, and an &lt;span style="font-style: italic;"&gt;ethical&lt;/span&gt; act is merely doing the right thing, even if it's with the wrong spirit.  Under this distinction, all righteous acts would be ethical, but some ethical acts might not be righteous.&lt;br /&gt;&lt;br /&gt;Stepping aside for a moment, &lt;span style="font-style: italic;"&gt;ethics&lt;/span&gt; is also sometimes contrasted with &lt;span style="font-style: italic;"&gt;morality&lt;/span&gt;.  I have heard some people claim that an act could be ethical but not moral (or vice versa), but such a distinction doesn't seem appropriate to me.  I'm not quite sure what definitions they are using to generate such a distinction.  They may be using &lt;span style="font-style: italic;"&gt;ethical&lt;/span&gt; to mean in line with codified norms for right behavior and &lt;span style="font-style: italic;"&gt;moral&lt;/span&gt; to mean in line with a more stringent, uncodified set of norms for interpersonal behavior.  Under this distinction, one might not talk about adultery in terms of ethics, though certainly in terms of morality.  Although I can appreciate the distinction between judging acts against codified and uncodified standards of behavior, I am, in general, more interested in &lt;span style="font-style: italic;"&gt;right&lt;/span&gt; behavior, whether or not standards for such behavior are codified, especially since human codes of proper behavior may be fallible.  Instead, at the moment, I favor the distinction that &lt;span style="font-style: italic;"&gt;morality&lt;/span&gt; discusses right human behavior in the abstract, and that &lt;span style="font-style: italic;"&gt;ethics&lt;/span&gt; discusses right human behavior in concrete situations.  Under these definitions, an ethical act is always a moral act.&lt;br /&gt;&lt;br /&gt;But, here I run into a problem.  &lt;a href="http://en.wikipedia.org/wiki/P._F._Strawson"&gt;Peter Strawson&lt;/a&gt;'s &lt;a href="http://www.ucl.ac.uk/%7Euctytho/dfwstrawson1.htm"&gt;account of moral responsibility&lt;/a&gt;, which I favor when speaking in secular contexts, bases the existence of moral responsibility in the expectation we hold on others---inherent in our normal, adult interpersonal relationships---to maintain a posture of goodwill (or at least to refrain from expressions of ill-will) toward us.  Strawson points to resentment and gratitude as indicators of this expectation: If you step on my foot accidentally, I do not feel the same kind of resentment as if you do it purposefully, even though my physical pain is the same; and, if you do something that helps me as an unintended consequence, I do not feel the same kind of gratitude as if you did it with me in mind, though I am benefited in either case.  Given this framework for understanding moral responsibility, we hold people to account, in part, for the motivations of their actions.  I believe this would imply that a moral (and thus an ethical) act depends not only on the external event, but also on the internal motivation, meaning that formally there would be no ethical but non-righteous acts.&lt;br /&gt;&lt;br /&gt;So, somewhere I have a definitional problem.  Perhaps my ethical/righteous distinction isn't appropriate.  Perhaps my ethics/morality distinction isn't appropriate.  Or perhaps I'm inappropriately pushing Strawson's account too far to found a moral system, instead of merely supporting the existence of moral responsibility.&lt;br /&gt;&lt;br /&gt;More to think about.&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/614505793611696503-602109973510486488?l=cogitorium.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://cogitorium.blogspot.com/feeds/602109973510486488/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=614505793611696503&amp;postID=602109973510486488' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/602109973510486488'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/602109973510486488'/><link rel='alternate' type='text/html' href='http://cogitorium.blogspot.com/2008/08/ethics-vs-righteousness.html' title='Ethics vs. Righteousness'/><author><name>Michael Culbertson</name><uri>http://www.blogger.com/profile/10609699686827256482</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-614505793611696503.post-5072845443858106127</id><published>2008-08-25T17:19:00.002-05:00</published><updated>2008-08-25T17:23:46.783-05:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Culture'/><category scheme='http://www.blogger.com/atom/ns#' term='Christianization'/><title type='text'>Christianization and Culture</title><content type='html'>In a conversation yesterday morning, a gentleman claimed that the Midwest wasn't very Christian, compared as the South.  I found speaking of the Midwest as not very Christian a little odd, since in my experience (and I believe my ex-patriot Mid-Western friends in Boston would agree), the Midwest is, in general, more conservatively Christian than the Northeast.  No, my interlocutor replied, in his view, the Midwest and the Northeast were on about the same level.  To illustrate his contention about the great Christian inclination of the South, he pointed to Southern friendliness and hospitality, citing the particular example of greeting one another---even strangers---when walking down the street.  If I found the first claim a little odd, I found this second claim absurd, and for two reasons.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;First, a cultural practice such as greeting people when walking down the street is not an indicator of the level of Christian inclination of a region because there are warm, friendly cultures that are not particularly Christian.  I would have to do some research to pinpoint an actual, specific example of such a culture, but baised on my impressions, I would imagine one could find such an example among the communal, food-pushing cultures in Africa or perhaps India.  To rebut my claim, my interlocutor pointed out that for an act to be a righteous act, it must have Christian motivations, which he defined as motivations based in love of God and love of neighbor.  I didn't press the issue, particularly because I didn't see the connection between whether or not acts are righteous and the possibility of inferring a region's level of Christian inclination from particular cultural traits; but after some careful reflection, I realized that his rebuttal only emphasized my own point: Because one cannot tell whether a person's motivations are Christian (out of love of God and love of neighbor, according to his definition) or whether a person's nice action is based on some other, non-Christian motivation, one cannot infer the level of Christian inclination of a region from somewhat arbitrary cultural traits such as greeting people on the street.&lt;br /&gt;&lt;br /&gt;Second, and more to the heart of the issue, the kind of inference my interlocutor was suggesting about the level of Christian inclination of the South and the Midwest is inappropriate because extroverted openness, such as the kind exemplified by the cultural practice of greeting people on the street, is not a necessary trait of Christian commitment.  To claim that it is, I feel, would be to fall in to pietistic legalism, where one's Christian commitment is measured solely or primarily by an arbitrary set of visible actions.  Certainly, Christians are called to love their neighbors, but there is more than one way to express that love, and God has created different kinds of personalities that prefer to express that love in different ways.  An introvert, for example, may love people very deeply, but in small group situations, instead of in large groups.  (I suppose one could claim that introvertedness is a product of the Fall, but I imagine this would be rather difficult to support.) Some people enjoy expressing their love for neighbor through service, and others through giving; but, it would be inappropriate to say that the giver is less Christian because she doesn't volunteer at the soup kitchen, or the servant is less Christian because he isn't good at giving friendly and wise advice.  Moreover, some of these acts are merely cultural conventions for the expression of love of neighbor, and are, therefore, not bound up in its essence.  There are some cultures (I believe somewhere in Eastern Europe) where men greet one another with a kiss on the lips (in a non-romantic, non-sexual way).  I have to say that the idea weirds me out, given the symbolic norms for kisses imparted to me by my American culture; but, the implications assigned a kiss in America (its reservation for romantic lovers or the parent-child relationship) are not inherent in the act itself.  Are we going to say that cultures in which people greet one another with a kiss are more Christian than cultures in which people greet one another with a cold, sterile wave or handshake, since a kiss is more intimate and thereby expresses a greater love of neighbor? Hardly.  Christian commitment (and the regional level of Christian inclination, which stems from trends in the degree of Christian commitment among the constituents of the region) is measured not by cultural conventions or an arbitrary set of expressions of piety, but by the disposition of the heart.&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/614505793611696503-5072845443858106127?l=cogitorium.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://cogitorium.blogspot.com/feeds/5072845443858106127/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=614505793611696503&amp;postID=5072845443858106127' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/5072845443858106127'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/5072845443858106127'/><link rel='alternate' type='text/html' href='http://cogitorium.blogspot.com/2008/08/christianization-and-culture.html' title='Christianization and Culture'/><author><name>Michael Culbertson</name><uri>http://www.blogger.com/profile/10609699686827256482</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-614505793611696503.post-5658548236496176203</id><published>2008-05-23T20:52:00.002-05:00</published><updated>2008-05-23T21:41:31.966-05:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Development'/><category scheme='http://www.blogger.com/atom/ns#' term='Poverty'/><title type='text'>More On Global Problems</title><content type='html'>After &lt;a href="http://cogitorium.blogspot.com/2008/05/on-global-problems.html"&gt;lamenting&lt;/a&gt; yesterday about the paucity of wealth to go around on a global scale, I ran across a BBC &lt;a href="http://news.bbc.co.uk/2/hi/africa/7415814.stm"&gt;report&lt;/a&gt; about a &lt;a href="http://www.bignam.org/page5.html"&gt;pilot&lt;/a&gt; Basic Income Grant project in &lt;a href="http://maps.google.com/maps?f=q&amp;amp;hl=en&amp;amp;geocode=&amp;amp;q=Otjivero,+Namibia&amp;amp;sll=37.0625,-95.677068&amp;amp;sspn=30.819956,60.644531&amp;amp;ie=UTF8&amp;amp;ll=-21.350781,17.929688&amp;amp;spn=9.037423,15.161133&amp;amp;t=p&amp;amp;z=6"&gt;Namibia&lt;/a&gt;.  The program, organized by a civil society coalition, gives US$13 per month to every member of the community under pension age.  Now, $13 certainly doesn't sound like much ($20 &lt;a href="http://en.wikipedia.org/wiki/Purchasing_power_parity"&gt;PPP&lt;/a&gt;, &lt;a href="http://siteresources.worldbank.org/ICPINT/Resources/ICP_final-results.pdf"&gt;ICP 2005&lt;/a&gt;, though I wonder exactly what kind of market basket they used)---and it isn't, in absolute terms; but in &lt;span style="font-style: italic;"&gt;relative&lt;/span&gt; terms, $13 can be quite a lot.  After all, that comes to more than a quarter of monthly income for half of the country's population (&lt;a href="http://hdr.undp.org/en/media/hdr_20072008_en_indicator_tables.pdf"&gt;HDR 2007/2008&lt;/a&gt;, Table 3); and even if it isn't "living large," a 25% bump in income surely can do a fair amount to propel one toward improving quality of life.&lt;br /&gt;&lt;br /&gt;And anecdotally (according to the BBC article), many program participants are using the grant for little things that can do just that.  For example, some have used the money to buy clothes for their children and pay school fees.  The former helps children focus on their studies without worrying about their appearance, and the latter gives parents the confidence to engage school officials on the quality of their children's education.  Others have used the funds to supplement their food budget, and the local clinic has seen a drastic reduction in cases of seriously malnourished children.  The grants have also provided capitol to allow the establishment of a new grocery store, a hairdresser, a barber, and an ice-cream vendor.  Of course, none of these things means poverty has been solved in this village by only $13/person, but each of them has the potential to contribute to a virtuous cycle in the gradual ascent toward a more equitable society.&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/614505793611696503-5658548236496176203?l=cogitorium.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://cogitorium.blogspot.com/feeds/5658548236496176203/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=614505793611696503&amp;postID=5658548236496176203' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/5658548236496176203'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/5658548236496176203'/><link rel='alternate' type='text/html' href='http://cogitorium.blogspot.com/2008/05/more-on-global-problems.html' title='More On Global Problems'/><author><name>Michael Culbertson</name><uri>http://www.blogger.com/profile/10609699686827256482</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-614505793611696503.post-413531978056834224</id><published>2008-05-22T20:45:00.002-05:00</published><updated>2008-05-22T21:56:29.970-05:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Development'/><category scheme='http://www.blogger.com/atom/ns#' term='Poverty'/><category scheme='http://www.blogger.com/atom/ns#' term='Food'/><title type='text'>On Global Problems</title><content type='html'>Sometimes I get overwhelmed thinking about global-scale problems.  There are &lt;span style="font-style: italic;"&gt;so many&lt;/span&gt; people in the world and utter poverty is so rampant that it can seem insurmountable, and every once in a while I wonder if it's worth even trying (usually I convince myself that it is).&lt;br /&gt;&lt;br /&gt;Take food, for example.  The world food-cost crisis has been in the news a lot recently, and there are millions of people throughout the world who suffer from hunger and malnutrition.  This makes me wonder: Is there even enough food in the world for all these people?  Fortunately, there is: According to the &lt;a href="http://www.fao.org"&gt;UN Food and Agriculture Organization&lt;/a&gt;, global &lt;a href="http://www.fao.org/statistics/yearbook/vol_1_1/pdf/d01.pdf"&gt;average food consumption&lt;/a&gt; is 2800 kcal/person/day, which is greater than the &lt;a href="http://www.usda.gov"&gt;USDA&lt;/a&gt; &lt;a href="http://www.health.gov/dietaryguidelines/dga2005/document/html/chapter2.htm#table3"&gt;recommend caloric intake&lt;/a&gt; for all but the most active young adult males.  So, there seems to be enough food out there---it's just a matter of getting it to the right people, which feels like a much more tractable problem than increasing global food output (though I'm not quite sure why, given the resistance too many people have to sharing).&lt;br /&gt;&lt;br /&gt;Generalizing from food to wealth in general, the picture isn't quite so rosy (if millions of hungry people could be called rosy): If we were to take the roughly $1.6 trillion of the &lt;a href="http://en.wikipedia.org/wiki/List_of_billionaires"&gt;richest 100 people&lt;/a&gt; in the world and divide it equally, everyone would receive only $270---not even a nucleus, much less a "nest egg."  According to the &lt;a href="http://www.cia.gov"&gt;CIA&lt;/a&gt; &lt;a href="https://www.cia.gov/library/publications/the-world-factbook/geos/xx.html"&gt;World Factbook&lt;/a&gt;, the gross world product (GWP) per capita is only $10,000 (&lt;a href="http://en.wikipedia.org/wiki/Purchasing_power_parity"&gt;PPP&lt;/a&gt;).  In other words, unlike food, poverty in terms of lack of financial wealth isn't merely a distribution problem.  Now, unfortunately, I'm not an economist, so I'm not quite sure where to look for possible solutions to this little (or not so little, rather) quandary.  But, I imagine that increasing human capacity (through education) will play some vital role.&lt;br /&gt;&lt;br /&gt;In order not to get too depressed when I think about how big the world's problems are, I usually have to scale down my perspective to think about where I am currently and what I can do on my own in the present.  If you're looking for a way to help in the redistribution of food resources, may I recommend &lt;a href="http://www.foodforthepoor.org"&gt;Food for the Poor&lt;/a&gt;.  They "provide food, housing, health care, education, water projects, micro-enterprise development assistance and emergency relief to the poorest of the poor," and their budget is composed of &lt;a href="http://www.charitynavigator.org/index.cfm/bay/search.history/orgid/3714.htm"&gt;96% program expenses&lt;/a&gt;, placing them among the most efficient of charities.&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/614505793611696503-413531978056834224?l=cogitorium.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://cogitorium.blogspot.com/feeds/413531978056834224/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=614505793611696503&amp;postID=413531978056834224' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/413531978056834224'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/413531978056834224'/><link rel='alternate' type='text/html' href='http://cogitorium.blogspot.com/2008/05/on-global-problems.html' title='On Global Problems'/><author><name>Michael Culbertson</name><uri>http://www.blogger.com/profile/10609699686827256482</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-614505793611696503.post-6034253612189382107</id><published>2008-05-15T21:50:00.001-05:00</published><updated>2008-05-15T21:56:44.269-05:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Retirement'/><category scheme='http://www.blogger.com/atom/ns#' term='Finance'/><title type='text'>Retirement Investment Planning</title><content type='html'>CNN Money has some helpful advice on &lt;a href="http://money.cnn.com/2008/05/09/pf/funds/7_investments.moneymag/"&gt;where to hold your investments&lt;/a&gt;.  Ideally, all savings would be in a tax-advantaged account (401k, IRA, etc.); but when the amount you have to invest exceeds the limits for these accounts, give bonds priority to tax-advantaged accounts (starting with a 401k, if you have one), then add stocks.  Bonds give off more dividend income, which is directly taxable, so these should be as tax-protected as possible.&lt;br /&gt;&lt;br /&gt;This leaves the question: What, exactly, should one buy?  They &lt;a href="http://www.usnews.com/blogs/new-money/2008/5/12/7-funds-for-your-portfolio.html"&gt;suggest&lt;/a&gt; a seven-fund portfolio of stocks, bonds, and money markets (with recommendations for funds in each of the seven categories).  While this may be a good goal to work toward, such a diversified portfolio could be difficult to achieve straight off the bat (the cumulative minimum investment is something like $15,000).  When I opened my IRA, I took a tip from &lt;a href="http://mutualfundshow.com/"&gt;Adam Bold&lt;/a&gt; and started with the &lt;a href="http://selectedfunds.com/"&gt;Selected American Shares&lt;/a&gt; (&lt;a href="http://finance.google.com/finance?q=SLASX"&gt;SLASX&lt;/a&gt;).  Since then, I've come across &lt;a href="http://mutualfunds.about.com/od/advisors1/a/store.htm"&gt;suggestions&lt;/a&gt; that he may not be the most trusted of advisors, but I think Selected was a good choice, nevertheless: Although it's not likely to impress anyone with record returns, the fund rather consistently &lt;a href="http://selectedfunds.com/sasoverview.html"&gt;beats&lt;/a&gt; the S&amp;amp;P 500 and has achieved an annual rate of return over the last 10 years of 8%.  As such, the Selected funds seem to me to provide a nice stable base from which to develop a fuller portfolio in the future.&lt;br /&gt;&lt;br /&gt;The CNN Money article also included three simple plans for asset allocation between the seven different types.  My father once shared a rough rule of thumb for retirement-savings asset allocation: He said that the percentage of stocks in your portfolio should be about 100 minus your age.  I was pleased to see that the CNN Money's plans were pretty close: In early career (20s), they allocated 80% stock; in late career (say 40s), they allocated 60% stock; and in retirement (60s), they allocated 40% stock.  Of course, it's certainly nice to have the more-detailed suggestion of how much of &lt;span style="font-style: italic;"&gt;what kind&lt;/span&gt; of stocks and bonds to purchase, which the article provides.&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/614505793611696503-6034253612189382107?l=cogitorium.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://cogitorium.blogspot.com/feeds/6034253612189382107/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=614505793611696503&amp;postID=6034253612189382107' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/6034253612189382107'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/6034253612189382107'/><link rel='alternate' type='text/html' href='http://cogitorium.blogspot.com/2008/05/retirement-investment-planning.html' title='Retirement Investment Planning'/><author><name>Michael Culbertson</name><uri>http://www.blogger.com/profile/10609699686827256482</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-614505793611696503.post-7921605849493710155</id><published>2008-05-07T14:14:00.000-05:00</published><updated>2008-05-07T14:14:00.435-05:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Charity'/><title type='text'>Why I Give</title><content type='html'>From a psychosocial-developmental perspective, one might say that &lt;span class="nfakPe"&gt;I&lt;/span&gt; &lt;span class="nfakPe"&gt;give&lt;/span&gt; my "time, talent, and treasure" because of the consistency of certain childhood experiences: Not only did my parents model active participation in a variety of church activities (singing in choir, leading Sunday School, helping with children's ministries, going on missions trips) as well as faithful financial giving, they also trained me in the same path by enrolling me in a wide variety of church activities and teaching me to put part of my allowance in the church offering.  As a result, even today, these practices feel completely natural, and &lt;span class="nfakPe"&gt;I&lt;/span&gt; think &lt;span class="nfakPe"&gt;I&lt;/span&gt; would feel a little something missing if &lt;span class="nfakPe"&gt;I&lt;/span&gt; gave them up.&lt;br /&gt;&lt;br /&gt;From a theological perspective, one can say that &lt;span class="nfakPe"&gt;I&lt;/span&gt; &lt;span class="nfakPe"&gt;give&lt;/span&gt; because God has entrusted me with good things---life and abilities and means.  Insofar as He has entrusted me with each of these, &lt;span class="nfakPe"&gt;I&lt;/span&gt; have a responsibility to use them for His glory, which includes making a joyful noise unto the Lord, bringing offerings of all kinds into His courts, studying and teaching His goodness, rejoicing with the joyful, encouraging the afflicted, and aiding the needy in His name.  Just as Paul describes the Church as a body with many interdependent parts, &lt;span class="nfakPe"&gt;I&lt;/span&gt; am beginning to believe that God may have designed the world with disparities in income, as well as diversity in talent, so that we would be forced to &lt;span class="nfakPe"&gt;give&lt;/span&gt; to and receive from each other for our mutual well-being, and that in doing so, we would be reminded that we are dependent not only on each other, but ultimately on God for all we have.&lt;br /&gt;&lt;br /&gt;But, while each of these reasons is true and operative when &lt;span class="nfakPe"&gt;I&lt;/span&gt; &lt;span class="nfakPe"&gt;give&lt;/span&gt;, there is a deeper reason still, a "heart" reason: &lt;span class="nfakPe"&gt;I&lt;/span&gt; &lt;span class="nfakPe"&gt;give&lt;/span&gt; because giving gives me joy.  Whether cooking a meal, participating in a church work day, or sorting food at the Food Bank, &lt;span class="nfakPe"&gt;I&lt;/span&gt;  &lt;i&gt;enjoy&lt;/i&gt; serving, and if the truth be told, &lt;span class="nfakPe"&gt;I&lt;/span&gt; sometimes get a little buzz placing my offering into the basket on Sunday morning---not out of some self-righteous desire to be seen for my "great works," but with the same kind of excitement a little child has when his mother gives him a coin to drop in the plate as it passes.  After all, if "God loves a cheerful giver," then we should all take a certain pleasure in sharing our time, talent, and treasure with others in His name.&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/614505793611696503-7921605849493710155?l=cogitorium.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://cogitorium.blogspot.com/feeds/7921605849493710155/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=614505793611696503&amp;postID=7921605849493710155' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/7921605849493710155'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/7921605849493710155'/><link rel='alternate' type='text/html' href='http://cogitorium.blogspot.com/2008/05/why-i-give.html' title='Why I Give'/><author><name>Michael Culbertson</name><uri>http://www.blogger.com/profile/10609699686827256482</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-614505793611696503.post-5181456921202107408</id><published>2008-03-24T21:37:00.003-05:00</published><updated>2008-03-24T21:41:22.882-05:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Literature'/><title type='text'>On the Greatness of Literature</title><content type='html'>Literature is great if through it I experience for myself the joy and sorrow of its characters, and thereby know of the love I have for them, or if it taps into some deep longing of my heart.  Without this, a story is only fun or interesting, not great.&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/614505793611696503-5181456921202107408?l=cogitorium.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://cogitorium.blogspot.com/feeds/5181456921202107408/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=614505793611696503&amp;postID=5181456921202107408' title='1 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/5181456921202107408'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/5181456921202107408'/><link rel='alternate' type='text/html' href='http://cogitorium.blogspot.com/2008/03/on-greatness-of-literature.html' title='On the Greatness of Literature'/><author><name>Michael Culbertson</name><uri>http://www.blogger.com/profile/10609699686827256482</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>1</thr:total></entry><entry><id>tag:blogger.com,1999:blog-614505793611696503.post-1717583707213591690</id><published>2008-01-29T21:15:00.000-06:00</published><updated>2008-01-29T21:28:24.464-06:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Computers'/><title type='text'>Ocular Surgery</title><content type='html'>I had to conduct surgery on my poor iBook G4 to correct an acute ocular degeneration.  A couple of weeks ago, I started to notice that from time to time the screen would go completely blank (white), usually as I was moving the computer.  Sometimes it would just flash white, others the white screen would stick for a moment until I jostled the computer a little.  It sounded to me like a connector was loose.  After doing some searching and reading, I found an Apple forum discussion &lt;a href="http://discussions.apple.com/thread.jspa?threadID=833006&amp;amp;tstart=0"&gt;thread&lt;/a&gt; that seemed to match my symptoms.  The thread suggested that the data cable in the display had come loose, and gave a description of how to open the display and reseat the cable.  I figured it was only a matter of time for the connector to come completely loose, losing the display altogether, and this is precisely what happened this evening.&lt;br /&gt;&lt;br /&gt;When I decided that the white screen wasn't about to go away this time around, I took my computer to a lab at school and connected it to an external monitor so that I could close all my programs and make sure my &lt;a href="http://jungledisk.com/"&gt;backup&lt;/a&gt; was up to date, in case I zapped the logic board or something equally as horrible.  Then, borrowing a set of tiny screwdrivers from an Engineering student down the hall, and with a certain amount of trepidation, I attempted to carry out the directions without damaging the very fragile LCD screen.  After struggling with the whole affair for quite some time, I managed to locate and reseat the connection.  Putting the whole thing back together and booting up, I was relieved to see that the screen was once again functioning, and that I didn't seem to have broken a fluorescent backlight tube or punctured any liquid crystal chambers.&lt;br /&gt;&lt;br /&gt;But, even as I write this, I just saw another white flicker, so apparently my problem hasn't been entirely resolved.  Perhaps I should have tried putting some fresh electrical tape over the connector instead of just reapplying the existing adhesive.  Alas.&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/614505793611696503-1717583707213591690?l=cogitorium.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://cogitorium.blogspot.com/feeds/1717583707213591690/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=614505793611696503&amp;postID=1717583707213591690' title='1 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/1717583707213591690'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/1717583707213591690'/><link rel='alternate' type='text/html' href='http://cogitorium.blogspot.com/2008/01/ocular-surgery.html' title='Ocular Surgery'/><author><name>Michael Culbertson</name><uri>http://www.blogger.com/profile/10609699686827256482</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>1</thr:total></entry><entry><id>tag:blogger.com,1999:blog-614505793611696503.post-760008651539003136</id><published>2008-01-25T16:07:00.000-06:00</published><updated>2008-01-25T16:16:38.103-06:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Writing'/><title type='text'>Sluggish Composition</title><content type='html'>I frequently have tangential thoughts when I'm reading.  This afternoon, I started thinking about teaching problem solving while I was reading the documents from World Education Forum in Dakar in 2000.  Wanting to flesh the ideas out a little, I decided to write an &lt;a href="http://edu-cogitorium.blogspot.com/2008/01/decomposing-word-problem-solving.html"&gt;entry&lt;/a&gt; for my &lt;a href="http://edu-cogitorium.blogspot.com/"&gt;Cogitorium on Education&lt;/a&gt;.  But alas, I compose so carefully that it takes forever, and now 2 hours (and 1200 words) later, I can get back to my "real" work, with the afternoon nearly all gone.&lt;br /&gt;&lt;br /&gt;No wonder I don't write more often: I have difficulty justifying the time expense to myself.&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/614505793611696503-760008651539003136?l=cogitorium.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://cogitorium.blogspot.com/feeds/760008651539003136/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=614505793611696503&amp;postID=760008651539003136' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/760008651539003136'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/760008651539003136'/><link rel='alternate' type='text/html' href='http://cogitorium.blogspot.com/2008/01/sluggish-composition.html' title='Sluggish Composition'/><author><name>Michael Culbertson</name><uri>http://www.blogger.com/profile/10609699686827256482</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-614505793611696503.post-8877106753349416277</id><published>2007-12-02T21:30:00.000-06:00</published><updated>2007-12-02T21:24:03.814-06:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Friendship'/><category scheme='http://www.blogger.com/atom/ns#' term='Pleasure'/><category scheme='http://www.blogger.com/atom/ns#' term='Literature'/><title type='text'>Two Ships That Passed in the Night</title><content type='html'>&lt;blockquote&gt; Ships that pass in the night, and speak each other in passing,&lt;br /&gt;Only a signal shown and a distant voice in the darkness;&lt;br /&gt;So on the ocean of life we pass and speak one another,&lt;br /&gt;Only a look and a voice, then darkness again and a silence.&lt;br /&gt;  -- Henry Wadsworth Longfellow,&lt;br /&gt;      "The Theologian's Tale: Elizabeth"&lt;span style="font-style: italic;"&gt;&lt;br /&gt;&lt;/span&gt;&lt;/blockquote&gt;&lt;span style="font-style: italic;"&gt;&lt;br /&gt;&lt;/span&gt;I've spent a total of 24 hours in Germany--I went to commemorate the wedding of two of my friends from college, who were married in Illinois while I was living in France.  At their reception-diner, I had a very nice chat with a young German fellow, and afterward I found myself contemplating one-day friendships: Two paths cross, two people enjoy each others company for a time, and then they continue their separate ways.  Was there a point to such brief encounters, I found myself asking, if they produced no lasting connection?&lt;br /&gt;&lt;br /&gt;&lt;blockquote&gt;"If a thing is a pleasure, a hmân wants it again. ... But the pleasure he must be content only to remember?"&lt;br /&gt;"That is like saying 'My food I must be content only to eat.' "&lt;br /&gt;"I do not understand."&lt;br /&gt;"A pleasure is full grown only when it is remembered.  You are speaking, Hmân, as if the pleasure were one thing and the memory another.  It is all one thing. ... What you call remembering is the last part of the pleasure, as the &lt;span style="font-style: italic;"&gt;crah&lt;/span&gt; is the last part of a poem.  When you and I met, the meeting was over very shortly, it was nothing.  Now it is growing something as we remember it. But still we know very little about it.  What it will be when I remember it as I lie down to die, what it makes in me all my days till then--that is the real meeting.  The other is only the beginning of it.  You say you have poets in your world.  Do they not teach you this?"&lt;br /&gt;-- C.S. Lewis, &lt;span style="font-style: italic;"&gt;Out of the Silent Planet&lt;/span&gt;&lt;/blockquote&gt;&lt;br /&gt;Would it be reasonable for a ship to mourn the passing of another, saying "What good did the meeting accomplish?  I would have been better off alone."  Not at all.  The encounter brings a little light, a little comfort, and a little memory to carry along on the journey.  Instead of wasting energy regretting the brevity of a short meeting, better to enjoy the moment fully and cherish the memory as the friendship's final fruition.&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/614505793611696503-8877106753349416277?l=cogitorium.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://cogitorium.blogspot.com/feeds/8877106753349416277/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=614505793611696503&amp;postID=8877106753349416277' title='3 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/8877106753349416277'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/8877106753349416277'/><link rel='alternate' type='text/html' href='http://cogitorium.blogspot.com/2007/12/two-ships-that-passed-in-night.html' title='Two Ships That Passed in the Night'/><author><name>Michael Culbertson</name><uri>http://www.blogger.com/profile/10609699686827256482</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>3</thr:total></entry><entry><id>tag:blogger.com,1999:blog-614505793611696503.post-5371793957737540699</id><published>2007-11-23T17:54:00.000-06:00</published><updated>2007-11-23T19:10:16.911-06:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Biblical citations'/><category scheme='http://www.blogger.com/atom/ns#' term='Persecution'/><category scheme='http://www.blogger.com/atom/ns#' term='Love'/><title type='text'>After God's Own Heart: Love Your Enemies</title><content type='html'>&lt;blockquote&gt;He testified concerning him: "I have found David son of Jesse a man after my own heart." (Acts 13:22, cf. 1 Sam 13:14)&lt;br /&gt;&lt;/blockquote&gt;&lt;blockquote&gt;But I tell you: Love your enemies and pray for those who persecute you. (Mat 5:44)&lt;/blockquote&gt;As I was listening to Eric Whitacre's "When David Heard" again this afternoon, I was struck by David's capacity to love even those who would do him harm.  Certainly it's well known that David refuses to retaliate against Saul, despite Saul's incessant attempts at David's life (e.g. 1 Sam 24, when David cuts off the corner of Saul's robe in his hiding cave), but this could flow not from love, but merely from a respect for Saul as God's anointed.&lt;br /&gt;&lt;br /&gt;Absalom, on the other hand, is another matter altogether.&lt;br /&gt;&lt;br /&gt;David's third son Absalom was envious of the royal throne and plotted to usurp David's place.  For &lt;span style="font-style: italic;"&gt;four years&lt;/span&gt;, he flattered courtly visitors and spread self-aggrandizing propaganda to "steal the hearts" of Israel.  When the time was right, he gathered sympathizers to declare him king and marched into Jerusalem (2 Sam 15).  When David hears that Absalom has died in the ensuing altercation, he is shaken to the core and cries out with profound grief, "O my son Absalom!  My son, my son Absalom!  If only I had died instead of you--O Absalom, my son, my son!" (2 Sam 18:33)&lt;br /&gt;&lt;br /&gt;Unlike Saul, Absalom had not been granted a special status by God that would command David's respect.  Moreover, Absalom was jealous and conspired to bring about David's downfall.  And yet, although Absalom expressed contempt and hatred toward his father, David never lost sight of the fact that Absalom was still his son.  He continued to love him and sought his welfare, even during the height of his rebellion (2 Sam 18:5).&lt;br /&gt;&lt;br /&gt;If not for anything else, David manifests the heart of God in this.  For, "God demonstrates His own love for us in this: While we were yet sinners, Christ died for us" (Rom 5:8).  Despite &lt;span style="font-style: italic;"&gt;our &lt;/span&gt;open rebellion, God looked beyond our contempt for Him, and treating us not as the enemies that we were but as His beloved creation, gave Himself up to pay the fatal penalty of our rebellion in our place so that we may enjoy a reconciled relationship with Him as His children.&lt;br /&gt;&lt;br /&gt;And so, like David, like Jesus, let us, too, love those who hate us and would do us harm.  For this is the heart of God.&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/614505793611696503-5371793957737540699?l=cogitorium.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://cogitorium.blogspot.com/feeds/5371793957737540699/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=614505793611696503&amp;postID=5371793957737540699' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/5371793957737540699'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/5371793957737540699'/><link rel='alternate' type='text/html' href='http://cogitorium.blogspot.com/2007/11/after-gods-own-heart-love-your-enemies.html' title='After God&apos;s Own Heart: Love Your Enemies'/><author><name>Michael Culbertson</name><uri>http://www.blogger.com/profile/10609699686827256482</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-614505793611696503.post-8677587890318815444</id><published>2007-10-12T02:29:00.000-05:00</published><updated>2007-10-12T03:42:29.139-05:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Pleasure'/><category scheme='http://www.blogger.com/atom/ns#' term='Motivation'/><category scheme='http://www.blogger.com/atom/ns#' term='Love'/><category scheme='http://www.blogger.com/atom/ns#' term='Joy'/><category scheme='http://www.blogger.com/atom/ns#' term='Good'/><title type='text'>Scratchpad: Motivations to Do Good</title><content type='html'>To &lt;span style="font-style: italic;"&gt;like&lt;/span&gt; to do X implies that doing X provides a sense of enjoyment or pleasure.  To &lt;span style="font-style: italic;"&gt;want&lt;/span&gt; to do X &lt;span style="font-style: italic;"&gt;because&lt;/span&gt; one likes to do X means that doing X is motivated by the joy or pleasure received by doing X.  There are certainly many other kinds of motivations for doing something.  One might engage in the activity in order to receive financial gain, increase security, inflict pain, achieve social standing, and so on.&lt;br /&gt;&lt;br /&gt;Now, if one likes doing something, can one help being motivated to do it by the fact that one likes it?  There may certainly be other &lt;span style="font-style: italic;"&gt;additional&lt;/span&gt; motivations, but I don't think these will somehow "crowd out" the motivation of joy or pleasure, and one can certainly be motivated by a multitude of factors.&lt;br /&gt;&lt;br /&gt;But what of doing good?  I think one could justifiably say that one has an obligation to do good by definition.  That is, a moral act is an act obligated by a moral code, and the moral code defines what is good, which is just another way of saying that the moral code obligates one to do good.  To put it one more way, one is obligated to do good for its own sake.  But, does this obligation &lt;span style="font-style: italic;"&gt;preclude&lt;/span&gt; doing good for other &lt;span style="font-style: italic;"&gt;additional&lt;/span&gt; reasons?&lt;br /&gt;&lt;br /&gt;Consider three hypothetical people: the first does good begrudgingly, because he has to but wishing he didn't; the second does good neutrally, without feeling anything for or against the act; the third does good enthusiastically and thus enjoys it (for, is it possible to have enthusiasm for something one doesn't enjoy?).  It seems somewhat intuitive to say that the first is less praiseworthy than the other two, and the third more praiseworthy.  So, one could say that it's better to like doing good than to do good without liking it.  But, one usually wants to do what one likes, so it seems that doing good may also be motivated by the joy or pleasure received by performing the act.  After all, "doing good is its own reward"---the reward being the joy received from doing good.&lt;br /&gt;&lt;br /&gt;Now, some may recoil at the idea that doing good can be motivated by the pleasure received by performing the act; for, shouldn't good be done for its own sake?  And yet, taking joy in doing good (doing good enthusiastically) is better than doing good begrudgingly or neutrally.  These two ideas can be reconciled by taking into consideration that doing good can be an expression of love, or it can be motivated by other factors.&lt;br /&gt;&lt;br /&gt;Just as in doing good, an enthusiastic loving act is more praiseworthy than one done neutrally or begrudgingly (if such an act could be called loving at all).  Thus, one can (and should) take pleasure in loving acts, and one will therefore be motivated in some degree by the joy or pleasure obtained in performing the act.  However, the loving act is not motivated &lt;span style="font-style: italic;"&gt;solely&lt;/span&gt; by the pleasure received, but also by the love (affection, care, concern) one has for the recipient.  As such, the motivation for the act is not merely inwardly focused, and thus the act is not selfish.&lt;br /&gt;&lt;br /&gt;Similarly, if one does good &lt;span style="font-style: italic;"&gt;merely&lt;/span&gt; for the pleasure received, without love, one could justifiably be held culpable of a morally reproachable inward focus.  So, it isn't the pursuit of pleasure itself that denigrates an otherwise good act, but performing the act without outwardly focused love.  As such, a good act may therefore (must therefore) be motivated of itself, by the joy or pleasure received in performing it, and with love for the recipient.&lt;br /&gt;&lt;br /&gt;Now, what of other possible motivations?  Since doing good ought to entail love, one could approach this question by determining whether loving acts may have additional motivations.  Is an act any less loving if there are secondary motivations?  My first inclination is to say yes, but the reason for this doesn't seem immediately obvious.  Why should other motivations somehow decrease the genuine love expressed by an act?  If this is the case, then performing good acts with self-interested motivations could be justifiable provided that the acts are also accompanied by a genuine love for the recipient and the additional desire to perform the acts for their own sake and for the joy or pleasure obtained by doing good.&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/614505793611696503-8677587890318815444?l=cogitorium.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://cogitorium.blogspot.com/feeds/8677587890318815444/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=614505793611696503&amp;postID=8677587890318815444' title='1 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/8677587890318815444'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/8677587890318815444'/><link rel='alternate' type='text/html' href='http://cogitorium.blogspot.com/2007/10/scratchpad-motivations-to-do-good.html' title='Scratchpad: Motivations to Do Good'/><author><name>Michael Culbertson</name><uri>http://www.blogger.com/profile/10609699686827256482</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>1</thr:total></entry><entry><id>tag:blogger.com,1999:blog-614505793611696503.post-5691773398807340756</id><published>2007-08-30T22:03:00.001-05:00</published><updated>2008-09-01T21:40:02.478-05:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Retirement'/><category scheme='http://www.blogger.com/atom/ns#' term='Finance'/><category scheme='http://www.blogger.com/atom/ns#' term='Mathematics'/><title type='text'>Calculating a Graduated Annuity</title><content type='html'>(Use the &lt;a href="http://cogitorium.blogspot.com/2008/09/graduated-annuity-calculator.html"&gt;calculator&lt;/a&gt; to skip the math below.)&lt;br /&gt;&lt;br /&gt;Calculating the future value of a savings program with fixed savings installments and a fixed interest rate (a simple annuity) is fairly straightforward with a geometric series:&lt;br /&gt;&lt;center&gt;&lt;br /&gt;&lt;a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://1.bp.blogspot.com/_uWxi_-s0wNo/RteFbH9T2oI/AAAAAAAAAAM/AlbXn_7uTR8/s1600-h/img1.png"&gt;&lt;img style="cursor: pointer;" src="http://1.bp.blogspot.com/_uWxi_-s0wNo/RteFbH9T2oI/AAAAAAAAAAM/AlbXn_7uTR8/s320/img1.png" alt="T_1 = p ; T_2 = pr + p ; T_3 = pr^2 + pr + p ; T_n = pr^{n-1} + pr^{n-2} + pr^{n-3} + \dots + pr^2 + pr + p" id="BLOGGER_PHOTO_ID_5104695403686910594" border="0" /&gt;&lt;/a&gt;&lt;/center&gt;&lt;br /&gt;To calculate the value after &lt;a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://3.bp.blogspot.com/_uWxi_-s0wNo/RteGEn9T2pI/AAAAAAAAAAU/OeOn_3235wc/s1600-h/img2.png"&gt;&lt;img style="cursor: pointer;" src="http://3.bp.blogspot.com/_uWxi_-s0wNo/RteGEn9T2pI/AAAAAAAAAAU/OeOn_3235wc/s320/img2.png" alt="n" id="BLOGGER_PHOTO_ID_5104696116651481746" border="0" /&gt;&lt;/a&gt; periods, we multiply the last equation by &lt;a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://4.bp.blogspot.com/_uWxi_-s0wNo/RteGE39T2qI/AAAAAAAAAAc/D6RzHSATzX0/s1600-h/img3.png"&gt;&lt;img style="cursor: pointer;" src="http://4.bp.blogspot.com/_uWxi_-s0wNo/RteGE39T2qI/AAAAAAAAAAc/D6RzHSATzX0/s320/img3.png" alt="r" id="BLOGGER_PHOTO_ID_5104696120946449058" border="0" /&gt;&lt;/a&gt; and subtract the result:&lt;br /&gt;&lt;center&gt;&lt;br /&gt;&lt;a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://4.bp.blogspot.com/_uWxi_-s0wNo/RteGE39T2rI/AAAAAAAAAAk/dCo6kv3mRq8/s1600-h/img4.png"&gt;&lt;img style="cursor: pointer;" src="http://4.bp.blogspot.com/_uWxi_-s0wNo/RteGE39T2rI/AAAAAAAAAAk/dCo6kv3mRq8/s320/img4.png" alt="rT_n = pr^n + pr^{n-1} + pr^{n-2} + \dots + pr^3 + pr^2 + pr ; (r-1)T_n = pr^n - p ; T_n = p{r^n-1\over r-1}" id="BLOGGER_PHOTO_ID_5104696120946449074" border="0" /&gt;&lt;/a&gt;&lt;/center&gt;&lt;br /&gt;So, saving $1,000/year for 10 years at 5% interest would give:&lt;br /&gt;&lt;center&gt;&lt;br /&gt;&lt;a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://4.bp.blogspot.com/_uWxi_-s0wNo/RteGE39T2sI/AAAAAAAAAAs/hJINuLdBztg/s1600-h/img5.png"&gt;&lt;img style="cursor: pointer;" src="http://4.bp.blogspot.com/_uWxi_-s0wNo/RteGE39T2sI/AAAAAAAAAAs/hJINuLdBztg/s320/img5.png" alt="T_{10} = \$1,000{1.05^{10}-1\over 1.05-1} = \$12,577.89" id="BLOGGER_PHOTO_ID_5104696120946449090" border="0" /&gt;&lt;/a&gt;&lt;/center&gt;&lt;br /&gt;And if we had the goal of saving $100,000 over 30 years with a 8%&lt;br /&gt;interest rate, we could calculate the yearly deposit required:&lt;br /&gt;&lt;center&gt;&lt;br /&gt;&lt;a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://1.bp.blogspot.com/_uWxi_-s0wNo/RteGFH9T2tI/AAAAAAAAAA0/JC4Ad434F_w/s1600-h/img6.png"&gt;&lt;img style="cursor: pointer;" src="http://1.bp.blogspot.com/_uWxi_-s0wNo/RteGFH9T2tI/AAAAAAAAAA0/JC4Ad434F_w/s320/img6.png" alt="p = T_n{r-1\over r^n-1} = \$100,000{1.08-1\over 1.08^{30}-1} = \$882.74" id="BLOGGER_PHOTO_ID_5104696125241416402" border="0" /&gt;&lt;/a&gt;&lt;/center&gt;&lt;br /&gt;&lt;br /&gt;Now, since the real value of the periodic deposit degrades over time due to inflation, and since one's ability to save will hopefully increase over time due to increased income through cost-of-living increases and promotions, a real-life long-term savings plan will likely include deposits that increase over time (a &lt;span style="font-style: italic;"&gt;graduated&lt;/span&gt; annuity).  These, too, can be represented with a series:&lt;br /&gt;&lt;center&gt;&lt;br /&gt;&lt;a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://3.bp.blogspot.com/_uWxi_-s0wNo/RteGwn9T2uI/AAAAAAAAAA8/skZSvx1ZoKE/s1600-h/img7.png"&gt;&lt;img style="cursor: pointer;" src="http://3.bp.blogspot.com/_uWxi_-s0wNo/RteGwn9T2uI/AAAAAAAAAA8/skZSvx1ZoKE/s320/img7.png" alt="T_1 = p ; T_2 = pr + pa ; T_3 &amp;amp; = pr^2 + par + pa^2 ; T_4 = pr^3 + par^2 + pa^2r + pa^3 ; T_n &amp;amp; = pr^{n-1} + par^{n-2} + pa^2r^{n-3} + \dots + pa^{n-3}r^2 + pa^{n-2}r + pa^{n-1}" id="BLOGGER_PHOTO_ID_5104696872565725922" border="0" /&gt;&lt;/a&gt;&lt;/center&gt;&lt;br /&gt;where &lt;a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://3.bp.blogspot.com/_uWxi_-s0wNo/RteGwn9T2vI/AAAAAAAAABE/cmwGjfsYF4U/s1600-h/img8.png"&gt;&lt;img style="cursor: pointer;" src="http://3.bp.blogspot.com/_uWxi_-s0wNo/RteGwn9T2vI/AAAAAAAAABE/cmwGjfsYF4U/s320/img8.png" alt="a" id="BLOGGER_PHOTO_ID_5104696872565725938" border="0" /&gt;&lt;/a&gt; is the geometric ratio describing the rate of increase (the graduation) of the deposits.  This series is similar in form to the binomial series, except that the coefficients in this series are all the same.  To solve for the sum, we multiply by &lt;a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://4.bp.blogspot.com/_uWxi_-s0wNo/RteGw39T2wI/AAAAAAAAABM/ng6A6i_W9PY/s1600-h/img9.png"&gt;&lt;img style="cursor: pointer;" src="http://4.bp.blogspot.com/_uWxi_-s0wNo/RteGw39T2wI/AAAAAAAAABM/ng6A6i_W9PY/s320/img9.png" alt="a/r" id="BLOGGER_PHOTO_ID_5104696876860693250" border="0" /&gt;&lt;/a&gt; and subtract:&lt;br /&gt;&lt;center&gt;&lt;br /&gt;&lt;a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://1.bp.blogspot.com/_uWxi_-s0wNo/RteGxH9T2xI/AAAAAAAAABU/eXzip7qMYdM/s1600-h/img10.png"&gt;&lt;img style="cursor: pointer;" src="http://1.bp.blogspot.com/_uWxi_-s0wNo/RteGxH9T2xI/AAAAAAAAABU/eXzip7qMYdM/s320/img10.png" alt="{a\over r}T_n = par^{n-2} + pa^2r^{n-2} + \dots + pa^{n-1} + p{a^n\over r} ; (1-{a\over r})T_n = p(r^{n-1} - {a^n\over r}) ; {r-a\over r}T_n = p{r^n-a^n\over r} ; T_n = p{r^n - a^n \over r-a}" id="BLOGGER_PHOTO_ID_5104696881155660562" border="0" /&gt;&lt;/a&gt;&lt;/center&gt;&lt;br /&gt;Notice how this simplifies to the result for constant deposits, when &lt;a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://1.bp.blogspot.com/_uWxi_-s0wNo/RteGxH9T2yI/AAAAAAAAABc/_KdiNUK7jrc/s1600-h/img11.png"&gt;&lt;img style="cursor: pointer;" src="http://1.bp.blogspot.com/_uWxi_-s0wNo/RteGxH9T2yI/AAAAAAAAABc/_KdiNUK7jrc/s320/img11.png" alt="a=1" id="BLOGGER_PHOTO_ID_5104696881155660578" border="0" /&gt;&lt;/a&gt;.&lt;br /&gt;&lt;br /&gt;This equation can be rearranged to the elegant form:&lt;br /&gt;&lt;center&gt;&lt;br /&gt;&lt;a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://3.bp.blogspot.com/_uWxi_-s0wNo/RteHGn9T2zI/AAAAAAAAABk/K_KfwENB5D8/s1600-h/img12.png"&gt;&lt;img style="cursor: pointer;" src="http://3.bp.blogspot.com/_uWxi_-s0wNo/RteHGn9T2zI/AAAAAAAAABk/K_KfwENB5D8/s320/img12.png" alt="{T_n\over p}r - r^n = {T_n\over p}a - a^n, r \ne a" id="BLOGGER_PHOTO_ID_5104697250522848050" border="0" /&gt;&lt;/a&gt;&lt;/center&gt;&lt;br /&gt;When asked to solve for either rate, Mathematica complained that this equation involves variables in "an essentially non-algebraic way," which I found a bit odd.  Nevertheless, to determine the interest rate necessary to achieve a given sum with a set rate of deposit graduation (or vice versa), one can evaluate one side of the equation, move the resulting constant to the other side, and calculate the positive real roots of the n-th degree polynomial.&lt;br /&gt;&lt;br /&gt;In any case, after 10 years, a savings program that begins at $1,000/year&lt;br /&gt;and increases by 4% each year with 8% interest would give:&lt;br /&gt;&lt;center&gt;&lt;br /&gt;&lt;a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://4.bp.blogspot.com/_uWxi_-s0wNo/RteHG39T20I/AAAAAAAAABs/4RpKSoKHxmo/s1600-h/img13.png"&gt;&lt;img style="cursor: pointer;" src="http://4.bp.blogspot.com/_uWxi_-s0wNo/RteHG39T20I/AAAAAAAAABs/4RpKSoKHxmo/s320/img13.png" alt="T_{10} =  \$1,000{1.08^{10}-1.04^{10}\over 1.08-1.04} = \$16,967.02" id="BLOGGER_PHOTO_ID_5104697254817815362" border="0" /&gt;&lt;/a&gt;&lt;/center&gt;&lt;br /&gt;&lt;br /&gt;This equation is also useful for determining savings left after a series of increasing withdraws.  If one starts with $500,000 in retirement savings invested at 5%, taking a 2% inflation-adjusted $30,000 annuity for 5 years would leave:&lt;br /&gt;&lt;center&gt;&lt;br /&gt;&lt;a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://4.bp.blogspot.com/_uWxi_-s0wNo/RteHG39T21I/AAAAAAAAAB0/cHmUhIz3jr4/s1600-h/img14.png"&gt;&lt;img style="cursor: pointer;" src="http://4.bp.blogspot.com/_uWxi_-s0wNo/RteHG39T21I/AAAAAAAAAB0/cHmUhIz3jr4/s320/img14.png" alt="T_n = Ar^n - p{r^n - a^n \over r-a} = \$500,000\cdot1.05^5 - \$30,000{1.05^5-1.02^5\over1.05-1.02} = \$465,940.02" id="BLOGGER_PHOTO_ID_5104697254817815378" border="0" /&gt;&lt;/a&gt;&lt;/center&gt;&lt;br /&gt;&lt;br /&gt;One can rearrange the formula to achieve a somewhat unwieldy but functional equation for the number of years before the retirement savings will run out:&lt;br /&gt;&lt;center&gt;&lt;br /&gt;&lt;a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://1.bp.blogspot.com/_uWxi_-s0wNo/RteHHH9T22I/AAAAAAAAAB8/PaKdYVvGFY0/s1600-h/img15.png"&gt;&lt;img style="cursor: pointer;" src="http://1.bp.blogspot.com/_uWxi_-s0wNo/RteHHH9T22I/AAAAAAAAAB8/PaKdYVvGFY0/s320/img15.png" alt="0 = Ar^n-p{r^n-a^n\over r-a} ; {A(r-a)\over p}r^n = r^n - a^n ; a^n = [1-{A(r-a)\over p}]r^n ; n\log a = n\log r + \log[1-{A(r-a)\over p}] ; n(\log a - \log r) = \log[1-{A(r-a)\over p}] ; n = \log[1-{A(r-a)\over p}] \div \log {a\over r}" id="BLOGGER_PHOTO_ID_5104697259112782690" border="0" /&gt;&lt;/a&gt;&lt;/center&gt;&lt;br /&gt;So, to find out how long the $500,000 investment from the previous example will last:&lt;br /&gt;&lt;center&gt;&lt;br /&gt;&lt;a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://1.bp.blogspot.com/_uWxi_-s0wNo/RteHHH9T23I/AAAAAAAAACE/yEorHqK6eKw/s1600-h/img16.png"&gt;&lt;img style="cursor: pointer;" src="http://1.bp.blogspot.com/_uWxi_-s0wNo/RteHHH9T23I/AAAAAAAAACE/yEorHqK6eKw/s320/img16.png" alt="n = \log[1-{\$500,000(1.05-1.02)\over\$30,000}] \div \log{1.02\over1.05} = 23.9 years" id="BLOGGER_PHOTO_ID_5104697259112782706" border="0" /&gt;&lt;/a&gt;&lt;/center&gt;&lt;br /&gt;&lt;br /&gt;All of these calculations assume that payments occur at the end of the year (an ordinary annuity).  The calculations for payments at the beginning of the year (an annuity due) are equally straightforward, and yield:&lt;br /&gt;&lt;center&gt;&lt;br /&gt;&lt;a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://3.bp.blogspot.com/_uWxi_-s0wNo/RteHTn9T24I/AAAAAAAAACM/0u8Q3UkXKWk/s1600-h/img17.png"&gt;&lt;img style="cursor: pointer;" src="http://3.bp.blogspot.com/_uWxi_-s0wNo/RteHTn9T24I/AAAAAAAAACM/0u8Q3UkXKWk/s320/img17.png" alt="T_n = pr{r^n-a^n\over r-a}" id="BLOGGER_PHOTO_ID_5104697473861147522" border="0" /&gt;&lt;/a&gt;&lt;/center&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/614505793611696503-5691773398807340756?l=cogitorium.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://cogitorium.blogspot.com/feeds/5691773398807340756/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=614505793611696503&amp;postID=5691773398807340756' title='2 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/5691773398807340756'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/5691773398807340756'/><link rel='alternate' type='text/html' href='http://cogitorium.blogspot.com/2007/08/calculating-graduated-annuity.html' title='Calculating a Graduated Annuity'/><author><name>Michael Culbertson</name><uri>http://www.blogger.com/profile/10609699686827256482</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media='http://search.yahoo.com/mrss/' url='http://1.bp.blogspot.com/_uWxi_-s0wNo/RteFbH9T2oI/AAAAAAAAAAM/AlbXn_7uTR8/s72-c/img1.png' height='72' width='72'/><thr:total>2</thr:total></entry><entry><id>tag:blogger.com,1999:blog-614505793611696503.post-8114182639334953795</id><published>2007-08-22T19:17:00.000-05:00</published><updated>2007-08-22T20:46:56.465-05:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Charity'/><category scheme='http://www.blogger.com/atom/ns#' term='Biblical citations'/><category scheme='http://www.blogger.com/atom/ns#' term='Poverty'/><title type='text'>Because We Were Slaves</title><content type='html'>&lt;blockquote&gt;When you are harvesting in your field and you overlook a sheaf, do not go back to get it.  Leave it for the alien the fatherless, and the widow, so that the Lord your God may bless you in all the work of your hands.&lt;br /&gt;&lt;br /&gt;When you beat the olives from your trees, do not go over the branches a second time.  Leave what remains for the alien, the fatherless, and the widow.&lt;br /&gt;&lt;br /&gt;When you harvest the grapes in your vineyard, do not go over the vines again.  Leave what remains for the alien, the fatherless, and the widow.&lt;br /&gt;&lt;br /&gt;&lt;span style="font-style: italic;"&gt;Remember that you were slaves in Egypt.  That is why I command you to do this.&lt;/span&gt;  (Deuteronomy 24:29-22)&lt;br /&gt;&lt;/blockquote&gt;&lt;br /&gt;What would people say if you were to ask them why they should give to the needy?  "It's their human right to have adequate food, shelter, clothing, and education," some might say.  "It's your social responsibility," perhaps.  Or maybe, "What goes around comes around."&lt;br /&gt;&lt;br /&gt;Do you think anyone would say, "Because we were slaves"?&lt;br /&gt;&lt;br /&gt;I find it striking that God gave precisely this reason for his command of charity to the Israelites as they were poised to cross the Jordan into the Promised Land.  Why, of all things, would God ground his command in their former slavery?&lt;br /&gt;&lt;br /&gt;Some might suggest that God was calling the Israelites to recall their former meager estate in order to identify with the poor, and thus to give out of empathetic pity.  And, while this certainly could be part of it, I think there's something much more to God's reasoning here.&lt;br /&gt;&lt;br /&gt;Not only were all the riches the Israelites possessed--from the spoils of Egypt to the land they were soon to inherit and its abundant fruit--gifts directly from God, but the Israelites would be in no position to enjoy any of these material goods if not for God's mighty deliverance of them from the bondage of slavery in Egypt.  In recalling for them their former slavery, God is saying, "Remember how it is you got the land for your fields and vineyards; remember why you are free to cultivate and harvest.  The only reason you live in comfort is because &lt;span style="font-style: italic;"&gt;I&lt;/span&gt; have saved you and given you all you have."  God commanded the Israelites, therefore, to give of &lt;span style="font-style: italic;"&gt;their&lt;/span&gt; goods (which were really God's to begin with) to the poor among them &lt;span style="font-style: italic;"&gt;in thanksgiving&lt;/span&gt; to God for his provision and liberation, providing a kind of miniature liberation in turn for the poor from the bonds of poverty.&lt;br /&gt;&lt;br /&gt;"Now that's all well and good for the Israelites," you might say, "but I worked hard for my own riches, and have been enslaved to no man."  Not so fast.  Whatever work you have done to earn your income you would not have accomplished without the gifts of God--even the gifts as basic as your latent abilities and drive for hard work.  But more importantly, you, as well, were also a slave--a slave to sin and death.  By trusting in Jesus Christ, you accept the gift of liberation from the bondage of the slavery to death.  And in thanksgiving for this salvation, God calls you to share his gifts with the poor.&lt;br /&gt;&lt;br /&gt;So, when asked why charity is important, you too can say, "Because we were slaves."&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;For more Biblical insights on poverty, I commend to you the sermon series on poverty given at &lt;a href="http://www.blanchardalliance.org/"&gt;Blanchard Alliance Church&lt;/a&gt;, in Wheaton, Illinois:&lt;br /&gt;&lt;a href="http://www.blanchardalliance.org/uploads/07_0107a_sj.mp3"&gt;The Dignity of Potato Eaters&lt;/a&gt;, 1/7/2007&lt;br /&gt;&lt;a href="http://www.blanchardalliance.org/uploads/07_0114a_sj.mp3"&gt;Stopping Our Oppression of the Poor&lt;/a&gt;, 1/14/2007&lt;br /&gt;&lt;a href="http://www.blanchardalliance.org/uploads/07_0121a_jc.mp3"&gt;Living on Less to Share with Others&lt;/a&gt;, 1/21/2007&lt;br /&gt;&lt;a href="http://www.blanchardalliance.org/uploads/07_0128a_jc.mp3"&gt;Helping the Poor Regain the Dignity of Self Support&lt;/a&gt;, 1/28/2007&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/614505793611696503-8114182639334953795?l=cogitorium.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://cogitorium.blogspot.com/feeds/8114182639334953795/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=614505793611696503&amp;postID=8114182639334953795' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/8114182639334953795'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/8114182639334953795'/><link rel='alternate' type='text/html' href='http://cogitorium.blogspot.com/2007/08/because-we-were-slaves.html' title='Because We Were Slaves'/><author><name>Michael Culbertson</name><uri>http://www.blogger.com/profile/10609699686827256482</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-614505793611696503.post-7140391166853682434</id><published>2007-06-22T15:30:00.000-05:00</published><updated>2007-06-22T15:30:02.744-05:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Mental illness'/><category scheme='http://www.blogger.com/atom/ns#' term='Voting'/><title type='text'>Universal Suffrage Includes the Mentaly Ill</title><content type='html'>Rhode Island, along with other states, is &lt;a href="http://www.nytimes.com/2007/06/19/us/19vote.html?ex=1339992000&amp;en=8a4bf9774b2ef7ea&amp;amp;amp;amp;ei=5124&amp;partner=permalink&amp;amp;exprod=permalink"&gt;struggling&lt;/a&gt; with whether or not to grant suffrage to people who have been declared insane:&lt;br /&gt;&lt;blockquote&gt;"I just think if you are declared insane you should not be allowed to vote, period," said Joseph DeLorenzo, chairman of the Cranston Board of Canvassers. "Some people are taking these two clowns and calling them disabled persons. Is insanity a disability? I have an answer to that: no. You're insane; you're nuts."&lt;/blockquote&gt;I believe, by definition, that Mr. DeLorenzo is incorrect in his assessment that the insane are not disabled.  A disability is a limitation of physical or mental capacities, and the insane, most would agree, have severely limited  mental faculties.  But, Mr. DeLorenzo's prejudice against these people seems to be evident in his use of the slur &lt;span style="font-style: italic;"&gt;clown&lt;/span&gt;.&lt;br /&gt;&lt;br /&gt;Rhode Island state law currently prohibits people with serious psychiatric impairments from voting, which, in my view, is a serious misstep.  We fought for years in this nation to eliminate discrimination in voting rights based on race (Fifteenth Amendment), gender (Nineteenth Amendment), and class (Twenty-fourth Amendment).  Even after Reconstruction, many states and localities attempted to bar Blacks from voting with dubiously enforced &lt;span style="font-style: italic;"&gt;literacy tests&lt;/span&gt;, which were finally banned by the National Voting Rights Act of 1965.  We should by no means allow any backward motion in granting universal suffrage for full citizens.&lt;br /&gt;&lt;br /&gt;What do opponents to suffrage for insane adult citizens fear?  That the mentally ill might be too easily swayed to vote one way or another?  There are plenty (far too many, I'm sure) sane people who are just as gullible--would they like to institute a test of mental fortitude in order to participate in democracy?  And what would happen if the mentally ill actually did swing an election?  If ever the insane gather enough votes to elect one of their own into office, our nation will have a much greater problem than the electoral process (namely, the state of the population's mental health).&lt;br /&gt;&lt;br /&gt;Rather, limiting the voting rights of the mentally ill opens the door for even more oppression; for, who is to say that any sane person is actually fit to decide who should rule?  What if they haven't thought through all the issues, or read widely enough, or can reason soundly enough?  The &lt;a href="http://uscode.house.gov/uscode-cgi/fastweb.exe?getdoc+uscview+t41t42+2771+1++%28%29%20%20AND%20%28%2842%29%20ADJ%20USC%29%3ACITE%20AND%20%28USC%20w%2F10%20%281973%29%29%3ACITE%20%20%20%20%20%20%20%20%20"&gt;National Voting Rights Act&lt;/a&gt; says that&lt;br /&gt;&lt;blockquote&gt;No voting qualification or prerequisite to voting or standard, practice, or procedure shall be imposed or applied by any State or political subdivision in a manner which results in a denial or abridgement of the right of any citizen of the United States to vote on account of race or color . . .&lt;/blockquote&gt;Perhaps the time is right to extend this Act to secure suffrage for all citizens of our nation.&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/614505793611696503-7140391166853682434?l=cogitorium.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://cogitorium.blogspot.com/feeds/7140391166853682434/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=614505793611696503&amp;postID=7140391166853682434' title='3 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/7140391166853682434'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/7140391166853682434'/><link rel='alternate' type='text/html' href='http://cogitorium.blogspot.com/2007/06/universal-suffrage-includes-mentaly-ill.html' title='Universal Suffrage Includes the Mentaly Ill'/><author><name>Michael Culbertson</name><uri>http://www.blogger.com/profile/10609699686827256482</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>3</thr:total></entry><entry><id>tag:blogger.com,1999:blog-614505793611696503.post-1772725745647932297</id><published>2007-06-12T13:15:00.000-05:00</published><updated>2007-06-12T13:16:42.508-05:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='France'/><category scheme='http://www.blogger.com/atom/ns#' term='Strikes'/><title type='text'>Strikes in France: Enough's Enough!</title><content type='html'>The educators at France's first juvenile penitentiary (établissement pénitentiaire pour mineur, &lt;a href="http://www.amotmj.justice.fr/article.php3?id_article=69"&gt;AMOTMJ&lt;/a&gt; - &lt;a href="http://www.google.com/translate?u=http%3A%2F%2Fwww.amotmj.justice.fr%2Farticle.php3%3Fid_article%3D69&amp;langpair=fr%7Cen&amp;amp;hl=en&amp;ie=UTF8"&gt;English&lt;/a&gt;, &lt;a href="http://www.amotmj.justice.fr/IMG/pdf/septembre_2005.pdf"&gt;pamphlet&lt;/a&gt;), in &lt;a href="http://maps.google.com/maps?f=q&amp;hl=en&amp;amp;q=Lavaur,+Tarn,+Midi-Pyr%C3%A9n%C3%A9es,+France&amp;sll=44.166445,2.649078&amp;amp;sspn=0.388124,0.922852&amp;ie=UTF8&amp;amp;ll=44.067854,1.812744&amp;spn=1.555087,3.691406&amp;amp;z=8&amp;iwloc=addr&amp;amp;om=1"&gt;Lavaur&lt;/a&gt;, began a strike yesterday, the facility's first day of operation (&lt;a href="http://www.lemonde.fr/web/article/0,1-0@2-3224,36-922302,0.html"&gt;Le Monde&lt;/a&gt; - &lt;a href="http://www.google.com/translate?u=http%3A%2F%2Fwww.lemonde.fr%2Fweb%2Farticle%2F0%2C1-0%402-3224%2C36-922302%2C0.html&amp;langpair=fr%7Cen&amp;amp;hl=en&amp;ie=UTF8"&gt;English&lt;/a&gt;, &lt;a href="http://www.ladepeche.com/aff_art.asp?Ref=200706122122"&gt;La Dépeche du Midi&lt;/a&gt; - &lt;a href="http://translate.google.com/translate?u=http%3A%2F%2Fwww.ladepeche.com%2Faff_art.asp%3FRef%3D200706122122&amp;amp;langpair=fr%7Cen&amp;hl=en&amp;amp;ie=UTF8"&gt;English&lt;/a&gt;, &lt;a href="http://www.la-croix.com/article/index.jsp?docId=2305628&amp;rubId=4076"&gt;La Croix&lt;/a&gt; - &lt;a href="http://translate.google.com/translate?u=http%3A%2F%2Fwww.la-croix.com%2Farticle%2Findex.jsp%3FdocId%3D2305628%26rubId%3D4076&amp;amp;langpair=fr%7Cen&amp;hl=en&amp;amp;ie=UTF8"&gt;English&lt;/a&gt;).  The facility is the first of seven to be opened beginning this year in accordance with a criminal reform law creating a separate space for juvenile offenders in an effort to synthesize sanction and education (&lt;a href="http://www.legifrance.gouv.fr/WAspad/UnTexteDeJorf?numjo=JUSX0200117L"&gt;La Loi d'Orientation et de Programmation pour la Justice du 9 septembre 2002&lt;/a&gt;).  Currently, France's 700 offending minors are held in adult facilities.&lt;br /&gt;&lt;br /&gt;The educators' principal demand is to meet with with the facility's director to discuss their complaints regarding personnel, remuneration, and security.  The Confédération Générale du Travail, who supports the workers, claims that the 24 recruited employees plus support staff are insufficient to handle the facility's detainees, since the original plans called for 36, even though the facility has temporarily lowered its maximum capacity from 60 to 40 to accommodate the lack of personnel.  Twelve adolescents were transfered to the facility Monday, and another twelve are scheduled to arrive next week.&lt;br /&gt;&lt;br /&gt;Now, please note that what I'm about to say does &lt;span style="font-style: italic;"&gt;not&lt;/span&gt; come from any anti-French sentiment: I love the French--I lived and worked there for a year and would love to go back.  But, give me a break!  This attitude that you should exercise your right to strike on every occasion has gone too far.  To say that the facility is understaffed when the pupil-to-adult ratio is better than one-to-one (or even two-to-one as would be the case at full capacity) is, frankly, utterly absurd.  The staff may have a legitimate desire for personal alarm equipment, but a strike at the facility's opening is hardly the appropriate means of expressing their views, especially when the facility is operating at a drastically reduced capacity.  This facility has been in the planning stages for four years--the personnel should have known what they were getting into when they signed up--and if they had any objections, raising them &lt;span style="font-style: italic;"&gt;before&lt;/span&gt; the adolescents were scheduled to arrive would have been the appropriate action.&lt;br /&gt;&lt;br /&gt;Union strikes may be useful in cases where the power imbalance puts workers at a significant disadvantage and working conditions are disgraceful, but I simply don't see how that could be the case here.  My guess is that the personnel at this facility are decently well-educated and have a fair degree of &lt;a href="http://www.infed.org/biblio/social_capital.htm"&gt;social capital&lt;/a&gt;.  Their working conditions, though perhaps improvable (what isn't?), are far from inhumane or unbearable.  Furthermore, strikes in the public sector usually do nothing but create a lot of noise and inconvenience innocent third-parties (such as school children or people who rely on public transportation), unlike in the private sector where the interruption of production decreases profits and directly hurts the managers against whom the workers have a complaint.  Refusing to play and pouting in the corner because you don't like the rules is childish--end this foolishness and have a mature, reasonable negotiation like adults.&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/614505793611696503-1772725745647932297?l=cogitorium.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://cogitorium.blogspot.com/feeds/1772725745647932297/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=614505793611696503&amp;postID=1772725745647932297' title='1 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/1772725745647932297'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/1772725745647932297'/><link rel='alternate' type='text/html' href='http://cogitorium.blogspot.com/2007/06/strikes-in-france-enoughs-enough.html' title='Strikes in France: Enough&apos;s Enough!'/><author><name>Michael Culbertson</name><uri>http://www.blogger.com/profile/10609699686827256482</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>1</thr:total></entry><entry><id>tag:blogger.com,1999:blog-614505793611696503.post-2289268482520355326</id><published>2007-06-12T08:00:00.000-05:00</published><updated>2007-06-11T23:42:03.918-05:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='President'/><category scheme='http://www.blogger.com/atom/ns#' term='Congress'/><category scheme='http://www.blogger.com/atom/ns#' term='Constitution'/><title type='text'>Constitutional Authority</title><content type='html'>For NPR's &lt;span style="font-style: italic;"&gt;All Things Considered,&lt;/span&gt; Andrea Seabrook &lt;a href="http://www.npr.org/templates/story/story.php?storyId=10947957"&gt;reported&lt;/a&gt; that President Bush has made clear his intentions to veto any Budget that surpasses a spending cap, in an effort to limit pork-barreling.  David Obey, chair of the House Appropriations Committee, has taken offense at the suggestion:&lt;br /&gt;&lt;blockquote&gt;The White House has a quaint position.  They say that any change to their budget is an ear-mark, and therefore illegitimate.  That makes the President the king, not a president.  With all due respect, the congress has the power of the purse, and we're going to exercise it.&lt;/blockquote&gt;Obey is certainly correct that Congress has constitutional authority over the Treasury; however, a unilateral declaration on the part of the President to veto any bill, including the Budget, does not constitute the establishment of a monarchy.  After all, the constitution has also endowed the President with the right to veto any bill he chooses, and this doesn't infringe on Congress' "power of the purse:" According to the Checks and Balances established by the Founders, Congress may override any presidential veto with a two-thirds majority in both houses.&lt;br /&gt;&lt;br /&gt;If the President vetoes a bill, we would hope that he does so for good reason; but if Congress cares adamantly enough about its position, they may push legislation through nevertheless.  On the other hand, given that the contested amount ($25 billion) is less than 1% of the entire Budget ($3 trillion), the whole argument is probably just a terrible case political posturing on both sides.&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/614505793611696503-2289268482520355326?l=cogitorium.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://cogitorium.blogspot.com/feeds/2289268482520355326/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=614505793611696503&amp;postID=2289268482520355326' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/2289268482520355326'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/2289268482520355326'/><link rel='alternate' type='text/html' href='http://cogitorium.blogspot.com/2007/06/constitutional-authority.html' title='Constitutional Authority'/><author><name>Michael Culbertson</name><uri>http://www.blogger.com/profile/10609699686827256482</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-614505793611696503.post-3193673002839070575</id><published>2007-06-09T22:17:00.001-05:00</published><updated>2008-08-30T12:59:40.121-05:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='JavaScript'/><category scheme='http://www.blogger.com/atom/ns#' term='Blogs'/><title type='text'>Tracking Outgoing Links on Blogger with Google Analytics</title><content type='html'>I use &lt;a href="http://www.google.com/analytics/"&gt;Google Analytics&lt;/a&gt; to track usage statistics on Cogitorium.  This free service provides all sorts of interesting information about how visitors get to the site (including what terms they used in a search engine), where they are (network-wise and geographically), and which pages they read.  Since the Analytics' mechanism for tracking is some JavaScript code embedded in the footer of each page that is tracked, Analytics can't automatically track which external links visitors use to exit the site.  Fortunately, the Google team &lt;a href="http://www.google.com/support/googleanalytics/bin/answer.py?answer=55527&amp;amp;query=links&amp;amp;topic=&amp;amp;type="&gt;thought&lt;/a&gt; of this, and provides the &lt;span style="font-family:courier new;"&gt;urchinTracker()&lt;/span&gt; function, which may be called using the &lt;span style="font-family:courier new;"&gt;onClick&lt;/span&gt; property of an external link to track these clicks manually.&lt;br /&gt;&lt;br /&gt;The example code Google provides is great, but I didn't want to have to modify by hand the anchor tag for every link I put in a post.  Inspired by a &lt;a href="http://www.bennolan.com/behaviour/"&gt;utility&lt;/a&gt; by Ben Nolan [&lt;a href="http://bennolan.com/?page_id=11"&gt;updated link&lt;/a&gt;], I cooked up a simple JavaScript routine that will automatically insert a link-specific &lt;span style="font-family:courier new;"&gt;urchinTracker()&lt;/span&gt; call for external links in posts.  The code tags links only in the post body and excludes links within the same domain.&lt;br /&gt;&lt;blockquote&gt;&lt;pre&gt;&amp;lt;script type="text/javascript"&gt;&amp;lt;!--&lt;br /&gt;localDomain = document.URL.substr(0,&lt;br /&gt;             document.URL.indexOf("/",&lt;br /&gt;               document.URL.indexOf("://")+3) );&lt;br /&gt;divList = document.getElementsByTagName('div');&lt;br /&gt;for (j=0; divEl=divList[j]; j++) {&lt;br /&gt; if (divEl.className != 'post-body') continue;&lt;br /&gt; list = divEl.getElementsByTagName('a');&lt;br /&gt; for (i=0; element=list[i]; i++) {&lt;br /&gt;   if (element.className = 'post-body' &amp;amp;&amp;amp;&lt;br /&gt;       element.href &amp;amp;&amp;amp;&lt;br /&gt;       element.href.substr(0,localDomain.length)&lt;br /&gt;         != localDomain) {&lt;br /&gt;     element.onclick = function(){&lt;br /&gt;       urchinTracker("/outgoing/" +&lt;br /&gt;         this.href.substr(this.href.indexOf("://")+3)&lt;br /&gt;         );&lt;br /&gt;     };&lt;br /&gt;   }&lt;br /&gt; }&lt;br /&gt;}&lt;br /&gt;--&amp;gt;&amp;lt;/script&gt;&lt;/pre&gt;&lt;/blockquote&gt;The code should be placed just before the &lt;span style="font-family:courier new;"&gt;&amp;lt;/body&gt;&lt;/span&gt; tag, after the normal Analytics code.&lt;br /&gt;&lt;br /&gt;In addition to the external links in posts, I was interested in how often users click on the headlines I display using &lt;a href="http://www.google.com/reader"&gt;Google Reader&lt;/a&gt;'s &lt;a href="http://www.google.com/help/reader/sharing.html#clip"&gt;clip&lt;/a&gt; function.  Coercing the clip anchors to include the &lt;span style="font-family:courier new;"&gt;onclick&lt;/span&gt; code was a bit more complicated, especially since the script appears to be either purposefully obfuscated or unfortunately arcane.  After analyzing the code for quite some time, I managed to piece together the following solution:&lt;br /&gt;&lt;blockquote&gt;&lt;pre&gt;window.setTimeout(&lt;br /&gt;function()&lt;br /&gt;{&lt;br /&gt;  for (j=0; j&amp;lt;window["GRC_c"]; j++)&lt;br /&gt;  {&lt;br /&gt;    divEl = document.getElementById('readerpublishermodule'+j);&lt;br /&gt;    list = divEl.getElementsByTagName('a');&lt;br /&gt;    for (i=0; element=list[i]; i++) {&lt;br /&gt;      element.onclick = function() {&lt;br /&gt;        urchinTracker("/outgoing/headlines");&lt;br /&gt;      };&lt;br /&gt;    }&lt;br /&gt;  }&lt;br /&gt;}, 0);&lt;/pre&gt;&lt;/blockquote&gt;When placed in the footer, this code should add hooks for Analytics tracking to all of the Google Reader clips in the document.  I chose to have all headline clicks dump into the same virtual page for tracking purposes, but one could just as easily track individual headlines.&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/614505793611696503-3193673002839070575?l=cogitorium.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://cogitorium.blogspot.com/feeds/3193673002839070575/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=614505793611696503&amp;postID=3193673002839070575' title='1 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/3193673002839070575'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/3193673002839070575'/><link rel='alternate' type='text/html' href='http://cogitorium.blogspot.com/2007/06/tracking-outgoing-links-on-blogger-with.html' title='Tracking Outgoing Links on Blogger with Google Analytics'/><author><name>Michael Culbertson</name><uri>http://www.blogger.com/profile/10609699686827256482</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>1</thr:total></entry><entry><id>tag:blogger.com,1999:blog-614505793611696503.post-5572673530661116385</id><published>2007-06-08T22:00:00.000-05:00</published><updated>2007-06-08T22:37:18.587-05:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Blogs'/><title type='text'>Blogging: What, When, and Why?</title><content type='html'>As a newcomer to Blogger, I find myself curious about how others tend to use the blog medium.  The Pew Internet &amp; American Life Project collected an &lt;a href="http://www.pewinternet.org/pdfs/PIP%20Bloggers%20Report%20July%2019%202006.pdf"&gt;interesting set of statistics&lt;/a&gt; last year about the habits of bloggers, based on follow-up interviews with 233 self-identified bloggers who had participated in a random-digit-dialing telephone survey on American internet usage.&lt;br /&gt;&lt;br /&gt;About half of the bloggers surveyed said that they blog mostly for themselves, and about one-third indicated that their blogs focused on their lives and experiences.  After personal experience, the second most popular primary topic for bloggers was politics and government (11%), followed variety of other minor topics.  I was surprised, however, to find that only 4% of those surveyed indicated that technology was the primary topic of their blog, given that the medium, as I understand it, began in the techie circles as a &lt;span style="font-style: italic;"&gt;web log&lt;/span&gt;--that is, a log of one's web surfing activities.&lt;br /&gt;&lt;br /&gt;Most bloggers surveyed (59%) spent only one or two hours per week on their blogs, and another quarter spent between three and nine hours.  The median number of ours spent per week was two.  In terms of the frequency of posts:&lt;br /&gt;&lt;ul&gt;&lt;li&gt;13% post at least once a day&lt;/li&gt;&lt;li&gt;15% post three to five times a week&lt;/li&gt;&lt;li&gt;25% post one or two times a week&lt;/li&gt;&lt;li&gt;28% post once every few weeks&lt;/li&gt;&lt;li&gt;19% post less often than every few weeks&lt;/li&gt;&lt;/ul&gt;Given that most bloggers post rather infrequently, it isn't surprising that 70% say they post only when inspiration strikes, while 22% (roughly the same as those who post three or more times per week) say they post on a regular schedule.&lt;br /&gt;&lt;br /&gt;The report also includes other interesting information about the type of people who blog, what motivates them, how they choose what they write, and so on.&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/614505793611696503-5572673530661116385?l=cogitorium.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://cogitorium.blogspot.com/feeds/5572673530661116385/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=614505793611696503&amp;postID=5572673530661116385' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/5572673530661116385'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/5572673530661116385'/><link rel='alternate' type='text/html' href='http://cogitorium.blogspot.com/2007/06/blogging-what-when-and-why.html' title='Blogging: What, When, and Why?'/><author><name>Michael Culbertson</name><uri>http://www.blogger.com/profile/10609699686827256482</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-614505793611696503.post-756806430662577571</id><published>2007-06-07T08:26:00.000-05:00</published><updated>2007-06-07T08:26:43.744-05:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Biotechnology'/><category scheme='http://www.blogger.com/atom/ns#' term='Ethics'/><title type='text'>Embryonic Stems Cells Without the Embryo</title><content type='html'>&lt;span xmlns="" class="articletext"&gt;Nature &lt;a href="http://www.nature.com/news/2007/070604/full/447618a.html"&gt;reports&lt;/a&gt; this week on a simple new technique for generating stem cells tailored to a specific individual without relying on cloning or embryos:&lt;br /&gt;&lt;/span&gt;&lt;blockquote&gt;&lt;span xmlns="" class="articletext"&gt;Research reported this week by three different groups shows that normal skin cells can be reprogrammed to an embryonic state in mice&lt;sup&gt;&lt;a href="http://www.nature.com/news/2007/070604/full/447618a.html#B3"&gt;&lt;/a&gt;&lt;/sup&gt;. The race is now on to apply the surprisingly straightforward procedure to human cells.&lt;/span&gt;  &lt;span xmlns="" class="articletext"&gt;If researchers succeed, it will make it relatively easy to produce cells that seem indistinguishable from embryonic stem cells, and that are genetically matched to individual patients. There are limits to how useful and safe these would be for therapeutic use in the near term, but they should quickly prove a boon in the lab.&lt;/span&gt;&lt;/blockquote&gt;&lt;span xmlns="" class="articletext"&gt;The technique works by injecting four genes into the skill cell, which unlock the cell's puripotency:&lt;br /&gt;&lt;/span&gt;&lt;span xmlns="" class="articletext"&gt;&lt;/span&gt;&lt;blockquote&gt;&lt;span xmlns="" class="articletext"&gt;Last year, Yamanaka introduced a system that uses mouse fibroblasts, a common cell type that can easily be harvested from skin, instead of eggs. Four genes, which code for four specific proteins known as transcription factors, are transferred into the cells using retroviruses. The proteins trigger the expression of other genes that lead the cells to become pluripotent, meaning that they could potentially become any of the body's cells.&lt;/span&gt; &lt;span xmlns="" class="articletext"&gt;&lt;/span&gt;&lt;/blockquote&gt;&lt;span xmlns="" class="articletext"&gt;Although the method is nowhere near ready for human therapy treatments, this new development suggests that there may be viable alternative sources for stem-cell based studies, rather than the ethically entangled destruction of embryos.&lt;br /&gt;&lt;br /&gt;(&lt;a href="http://www.npr.org/templates/story/story.php?storyId=10785993"&gt;Story&lt;/a&gt; from NPR.)&lt;br /&gt;&lt;/span&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/614505793611696503-756806430662577571?l=cogitorium.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://cogitorium.blogspot.com/feeds/756806430662577571/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=614505793611696503&amp;postID=756806430662577571' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/756806430662577571'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/756806430662577571'/><link rel='alternate' type='text/html' href='http://cogitorium.blogspot.com/2007/06/embryonic-stems-cells-without-embryo.html' title='Embryonic Stems Cells Without the Embryo'/><author><name>Michael Culbertson</name><uri>http://www.blogger.com/profile/10609699686827256482</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-614505793611696503.post-6004428082776690977</id><published>2007-06-06T12:05:00.000-05:00</published><updated>2007-12-02T21:24:45.399-06:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Biblical citations'/><category scheme='http://www.blogger.com/atom/ns#' term='Fear'/><category scheme='http://www.blogger.com/atom/ns#' term='Power'/><category scheme='http://www.blogger.com/atom/ns#' term='Literature'/><category scheme='http://www.blogger.com/atom/ns#' term='Fiction'/><title type='text'>Meditations on Ender's Game</title><content type='html'>&lt;blockquote&gt;Peter might be scum, but Peter had been right, always right; the power to cause pain is the only power that matters, the power to kill and destroy, because if you can't kill then you are always subject to those who can, and nothing and no one will ever save you. (&lt;a href="http://worldcat.org/oclc/23355613"&gt;Ender's Game&lt;/a&gt;, chapter 12)&lt;br /&gt;&lt;/blockquote&gt;&lt;blockquote&gt;"I tell you, my friends, do not fear those who kill the body, and after that have nothing more that they can do. But I will warn you whom to fear: fear him who, after he has killed, has authority to cast into hell. Yes, I tell you, fear him!" (Luke 12:4-5,ESV)&lt;br /&gt;&lt;/blockquote&gt;&lt;blockquote&gt;Then, to Dink's surprise, Ender began to cry. . . . "I didn't want to hurt him!" Ender cried. "Why didn't he just leave me alone!"&lt;/blockquote&gt;&lt;blockquote&gt;The Lord is not slow to fulfill his promise as some count slowness, but is patient toward you, not wishing that any should perish, but that all should reach repentance. (2 Peter 3:9)&lt;br /&gt;&lt;/blockquote&gt;&lt;a href="http://en.wikipedia.org/wiki/Orson_Scott_Card"&gt;Orson Scott Card&lt;/a&gt; crafted an absolute masterpiece in this bildungsroman chronicling the development of a military genius. I read the entire work in one day, submerging myself in the incredible portrayal of a phenomenal mind.&lt;br /&gt;&lt;br /&gt;When I came to Ender's realization above about power, I thought immediately of Jesus' words about whom to fear in life.  Even from childhood, Peter seeks power over others and sets his sights on global authority, due to his keen observation about this "dog-eat-dog" world: If you can't subdue, there are those who can, and out of their fallen selfishness, will.  But, despite all his intelligence, Peter has failed to realize that the power to kill is not ultimate power; for, to kill is only to force the end of life prematurely.  The one who kills does not have authority over all eternity, which rests in the hands of God alone.&lt;br /&gt;&lt;br /&gt;Now, replacing one fear with another seems to paint a rather bleak picture, but we haven't considered all the facts yet. While Ender holds the same capacity for power as his older brother, he shares equally well in his sister's compassion. And thus, his violent act against Bonzo in self-protection causes Ender no little psychological and emotional pain. I wonder if God, too, cries "I didn't want to hurt them!" For, God loves his creation, but our rebellion has cut us off from him and carries certain forensic consequences--consequences that God doesn't &lt;span style="font-style: italic;"&gt;want&lt;/span&gt; to carry out, but that he &lt;span style="font-style: italic;"&gt;must&lt;/span&gt; for his justice's sake.&lt;br /&gt;&lt;br /&gt;And yet, there's hope.&lt;br /&gt;&lt;blockquote&gt;For God did not send his Son into the world to condemn the world, but in order that the world might be saved through him. (John 3:17)&lt;/blockquote&gt;Jesus did not intend his message about fear to spread trepidation, but comfort, as backwards as that may seem. You see, he goes on to say,&lt;br /&gt;&lt;blockquote&gt;Are not five sparrows sold for two pennies? And not one of them is forgotten before God. Why, even the hairs of your head are all numbered. Fear not; you are of more value than many sparrows. (John 12:6-7)&lt;/blockquote&gt;To put it all together, our rebellion poses a threat to God's righteousness, and incurs punishment in order for God to maintain his justice. But, since God loves us so very much, he has provided a means by which the consequences of our rebellion can be laid on another--on himself in the person of Jesus Christ, to be specific--so that we may enter--through repentance--into a positive, loving relationship with him once again. And if God, who holds the power over eternity, loves us that much, why should we fear anyone who holds power merely over our body?&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/614505793611696503-6004428082776690977?l=cogitorium.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://cogitorium.blogspot.com/feeds/6004428082776690977/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=614505793611696503&amp;postID=6004428082776690977' title='1 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/6004428082776690977'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/6004428082776690977'/><link rel='alternate' type='text/html' href='http://cogitorium.blogspot.com/2007/06/meditations-on-enders-game.html' title='Meditations on Ender&apos;s Game'/><author><name>Michael Culbertson</name><uri>http://www.blogger.com/profile/10609699686827256482</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>1</thr:total></entry><entry><id>tag:blogger.com,1999:blog-614505793611696503.post-4471027801002944774</id><published>2007-06-05T17:35:00.000-05:00</published><updated>2007-06-05T17:51:47.726-05:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='Blogs'/><category scheme='http://www.blogger.com/atom/ns#' term='Latin'/><title type='text'>What's in a name?</title><content type='html'>I must say, I resisted the idea of getting a blog for quite some time.  Blogs were the "in" thing, and I don't like jumping on bandwagons--it has something to do with asserting my own individuality.  Instead, I reasoned, I'd like to have a means of communicating "thoughts"--snippets of ideas, a paragraph or two, that come to me at random times.  I was planning on publishing these thoughts, along with essays and projects, on a website I would design, and the thoughts would be indexed by subject category, keyword, and date.&lt;br /&gt;&lt;br /&gt;Hmm.  Sounds kind of like a blog--but I &lt;span style="font-style: italic;"&gt;can't&lt;/span&gt; call it that, of course.&lt;br /&gt;&lt;br /&gt;In any case, the website never materialized, yet I still had a urge to record and share the various interesting ideas that strike me from time to time.  Finally, I decided to take the path of least resistance and share my thoughts with Blogger.  So much for principles.&lt;br /&gt;&lt;br /&gt;But, what, pray tell, is a cogitorium?  The name derives from the Latin &lt;a href="http://www.perseus.tufts.edu/cgi-bin/ptext?layout.reflang=la;layout.reflookup=cogitatorium;doc=Perseus%3Atext%3A1999.04.0059%3Aentry%3D%238915"&gt;&lt;span style="font-style: italic;"&gt;cogitatorium&lt;/span&gt;&lt;/a&gt;, which Lewis &amp; Short define as "a receptacle of thought."  That's precisely what I intend this to be--not a "web log," but a holding tank for my ideas and a nexus for your ideas and mine (does that sound too grand?).  In any case, I thought &lt;span style="font-style: italic;"&gt;cogitatorium&lt;/span&gt; had one too many syllables for a speaker of English, so I dropped one to arrive at the name.&lt;br /&gt;&lt;br /&gt;And so, let there be thought!&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/614505793611696503-4471027801002944774?l=cogitorium.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://cogitorium.blogspot.com/feeds/4471027801002944774/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=614505793611696503&amp;postID=4471027801002944774' title='4 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/4471027801002944774'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/614505793611696503/posts/default/4471027801002944774'/><link rel='alternate' type='text/html' href='http://cogitorium.blogspot.com/2007/06/whats-in-name.html' title='What&apos;s in a name?'/><author><name>Michael Culbertson</name><uri>http://www.blogger.com/profile/10609699686827256482</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>4</thr:total></entry></feed>
