Some thoughts on insurance companies and the use of wearable technology

When it comes to insurance and wearables, I think the effect of these devices will be limited. I think this because:

  1. I don’t believe people are consistent about using wearables. I have been using wearables and fitbits for some time. I believe most people are prone to not wearing them constantly. Inconsistent use will make it harder for insurers to guarantee you a  better rate or for you to achieve one.
  2. You are more likely to wear it and use it when you are trying to keep in shape. If you are not, you will likely not wear it. The insurer can’t know if you are getting out of shape or just no longer wearing it. (I used to use a Nike+ device for running, and I ran consistently, but I did not use the device consistently. Many days and weeks I just didn’t feel like it.) The use of wearables is mostly an upside for you, and of limited value to the insurer.
  3. One reason I gave up on using wearables consistently is that they don’t give you much new information. I walk and exercise consistently and so they often give me the same information consistently. Which means I tend to not wear them often. I don’t need the fitbit to tell me I walked 10,000 steps. I know I did because my commute to and from work plus my lunchtime walk consistently gives me that.
  4. My fitbit scale is great for tracking my weight over time, but an insurer could also just ask me my weight, height and waistline and get a sense of my eligibility for insurance, just like how they ask if I smoke. A very low tech way to measure things. Men with a waist over 40 inches are more prone to heart disease then men with much smaller waists, regardless of what a high tech scale says. A insurer needs a limited number of data points to assess your health risks.
  5. I believe there is limited return for insurers to get this much data. I base this on my current life insurer. I can get life insurance from 1-6X my salary (assuming I pay the corresponding rise in premiums) without providing medical data. They only ask for medical data if I ask for more than 6X. It likely isn’t of benefit for them to process the data for lower amounts, so they proceed without it.
  6. Insurers are data driven, for sure, but I think they are good at picking out a limited number of good numbers to determine what to charge you for insurance. I don’t think the numbers coming back from wearable tech is all that good.

So in short, I don’t believe people or insurers will get much benefit from wearable tech. People will not get breaks on their insurance, and insurers will not be able to reduce their risk substantially with the use of wearables.

MindMup 2: a good web based mindmapping too

I’m a fan of mindmapping tools in general. One I’ve been using and enjoying lately is MindMup 2. 

Two things I like about it:

  1. It’s simple to modify your mindmaps on the go. You don’t need to do much to add or modify your map.
  2. It’s also simple to export your mindmap into a number of different formats. If you occasionally use mindmaps or you want to start with a mindmap to generate ideas but then you want to do the majority of the work in Word or some other tool, this is a good feature.

Mindmup_2 is a good tool. Go map your thoughts.

How to ask for help (it’s not as obvious as you think)

If you are uncomfortable asking for help, read this: How to Ask for Help and Actually Get It – The New York Times. After you read it, write out the type of help you need and use the article’s guidelines to insure your request for help is more effective.

We all need help from time to time. Read that and you will be more effective in getting the help you need.

One last thought: show appreciation before, during and after someone helped you. Even if they say it is no big deal to help. If for no other reason, it acknowledges the effort someone has taken to help you.

Get help. Your life will get better as a result. And the people who help you will often feel better about themselves for helping you, so you are helping them too.

Good advice on how to get started on that project / hobby / adventure you have always want to start


Good advice on how to get started on that project / hobby / adventure you have always want to start can be found here: How to Dare to Begin.

Beginning is often the biggest hurdle. Before you begin, you can imagine all the difficulties you will have, and such imaginings stop you before you can even start. If this applies to you, read the article. You may find yourself getting started after all.

Another thought: take an athlete’s approach to getting started and keeping at it. Get a coach. Get cheerleaders. Talk it up while you are doing the thing you’ve held off doing. Give yourself as much encouragement as you can. Give yourself a goal. Do all those things and you will find you not only get started but you keep going.

Good luck. Dare to do good things. Great things, eventually.

(Image from the article linked to.)

Bill Murray’s advice on being a father

From a 2012 Bill Murray Interview in Esquire comes this:

If you bite on everything they throw at you, they will grind you down. You have to ignore a certain amount of stuff. The thing I keep saying to them lately is: “I have to love you, and I have the right to ignore you.” When my kids ask what I want for my birthday or Christmas or whatever, I use the same answer my father did: “Peace and quiet.” That was never a satisfactory answer to me as a kid — I wanted an answer like “A pipe.” But now I see the wisdom of it: All I want is you at your best — you making this an easier home to live in, you thinking of others.

Sounds right.

When to think about your life, and when not to

There are times to think about your life, and times not to. Austin Kleon has a very simple rule to help him decide:

I have a very simple rule that serves me well: Don’t think too much about your life after dinnertime. Thinking too much at the end of the day is a recipe for despair. Everything looks better in the light of the morning. Cliché, maybe, but it works.

I first agreed with this. Afterwards, I concluded it depends on each individual. For me, I found a good time to think about my life was between midnight and two. It’s quiet then, I am tired but also relaxed. There’s no distractions, nothing else left to do but sleep. If I accomplished things in the daytime, it was especially good to think about what’s next in my life. Likewise if I had a good weekend, the best time to think about my life is Monday morning: I’m rested, energized, and feeling I can get a lot done during the week.

I found the time to not think about my life was any time I am really tired or sick or having a very bad day. Then the goal is not to reflect but to recover.

If anything, my rule is: if I need to recover, then I should not be reflecting.

I think we should all find times to reflect upon our lives and assess ourselves and where we’re heading. We just need to find the right times to do it, and do it then. And find the wrong times to do it and not do it then.

Cooking at home sucks. It’s also great.

I like this piece: Opinion | Never Cook at Home – The New York Times

The title is deceptive: it is not entirely anti-cooking, and it does talk about the benefits of home cooking, but it does throw a bucket of very cold water on all those excited ideas about how great it is to cook at home.

There are many benefits to cooking at home, just like there are benefits to working out. But there are significant efforts associated with achieving those benefits. Those efforts are likely the thing that can cause you to stop getting out your pans and turning on the oven and head to the local diner.

The other drawback about cooking at home is social media. Now so many people (including me) post photos of the food they make. You might look at your own cooking outcome and get discouraged. When you combine the effort and the outcome, plus the indifference you get from those you cook for, you may never want to cook again.

Like exercise, the trick is to find the right level of cooking that works for you, and not get down on yourself when you aren’t cooking at some level you think you should be cooking, whatever that is. Some days you just need to eat, and a piece of fruit and a frozen meal is all you need to no longer be hungry. Other days you may be enjoying making pasta from scratch. If you find you are in a rut, start a simple log of what you are eating over a week and then look for ways to improve slightly: replace boxed cereal with a cooked egg, make a simple pasta rather than get take out pizza. (Bonus: if you make pasta, you could have lunch made too.)

Good luck. There are rewards to cooking at home, if you find the right level of cooking that works for you. Enjoy the fruits of your labour, however great or humble.

How to sleep better – Vox

More good advice about sleeping from Vox: How to sleep better

I agree with most of this, but there is one part I want to highlight:

If you’re not sleeping and getting anxious about not sleeping, just get out of bed and leave the bedroom. Sleep specialists have established that staying in bed while you’re anxious or not sleeping is one of the most common contributors to chronic insomnia, because it trains the brain and creates bad associations.

The part in italics is key. If you are not getting anxious about it, you likely can stay there until you fall asleep. At least that works for me. I have tried getting up and I find that more disruptive. Now when I can’t sleep, I tell myself that at least I am getting rest and I will likely fall back to sleep, and almost always I do.

The philosopher Karl Popper in Scientific American

This is one of those things that popped up via Pocket, yesterday: The Paradox of Karl Popper – Scientific American Blog Network

It’s odd, because the interview is old, and Popper has been dead for sometime. Odd or not, it is still a worthwhile interview of the philosopher. The interviewer seems to capture the spirit and the essential ideas of the man in the three hours he spoke with him.

Worthwhile for anyone interested in philosophy or science.

Knowing more women artists: Berthe Morisot


Sadly, I don’t know enough women artists. If this is you as well, then you want to check out this piece: You know Monet and Manet. This female Impressionist deserves your attention, too. – The Washington Post.  I agree: Morisot is one artist you should know better.

As well as doing a good job of summarizing this great artist, hey highlight the travelling show that is currently running and highlighting her work. If you can, it would be well worth visiting it if it coming near you. (Currently it is Quebec City.)

Can housing be affordable?

Based on many affluent cities currently, the answer is “no”. But there are exceptions we can learn from like Vienna. As this piece shows,  Vienna’s Affordable Housing Paradise | HuffPost, it’s possible even in affluent cities and countries to have affordable housing under the right conditions.

Well worth reading that if you are feeling it is impossible to have affordable housing these days.

A good clear look at Antifa

Can be found here: Unite the Right rally: the counter-protesting group Antifa, explained – Vox.

It covers the things most people can agree with (opposing Nazis) and other things many people would disagree with (opposing liberalism).

Antifa is a term taking in many different groups, some very fringe, some violent.

Read this post before just assuming they are simply positive (or simply negative).

If you ever wanted to write for The New York Times…

Now you have an opportunity. They have a new column, called Rites of Passage, that is going to appear in their Styles section. What are they looking for?

The editors … want to read your essays about notable life events that sparked change. A “rite of passage” can be big or small, though sometimes it’s the less obvious moments that carry even greater meaning: Making the final payment on your student loan debt and what it represented; finding a first gray hair and deciding not to pluck it; a first crush after a spouse’s death. These essays should be written as personal narratives, so please make sure to tell us how the event unfolded and what it meant to you.

Everyone has such stories. If you want to share yours in the Times, you can get  more information here: How to Submit a ‘Rites of Passage’ Essay – The New York Times

It’s Monday morning: are robots going to replace you at your job?

Possibly, but as this article argues, there are at least three areas where robots and suck at:

Creative endeavours: These include creative writing, entrepreneurship, and scientific discovery. These can be highly paid and rewarding jobs. There is no better time to be an entrepreneur with an insight than today, because you can use technology to leverage your invention.

Social interactions: Robots do not have the kinds of emotional intelligence that humans have. Motivated people who are sensitive to the needs of others make great managers, leaders, salespeople, negotiators, caretakers, nurses, and teachers. Consider, for example, the idea of a robot giving a half-time pep talk to a high school football team. That would not be inspiring. Recent research makes clear that social skills are increasingly in demand.

Physical dexterity and mobility: If you have ever seen a robot try to pick up a pencil you see how clumsy and slow they are, compared to a human child. Humans have millennia of experience hiking mountains, swimming lakes, and dancing—practice that gives them extraordinary agility and physical dexterity.

Read the entire article; there’s much more in it than that. But if your job has some element of those three qualities, chances are robots won’t be replacing you soon.

Some thoughts on the 10th Anniversary of the App Store

  1. I remember what a big deal it was that Apple was going to support third party software developers. That was by no means a given: Apple could have restricted the iPhone to only their apps and a handful of third party software vendors. By being much more open, they made the iPhone so much more than it could have been if they had not.
  2. I believe iTunes had a big influence on this. It was a model, in a sense, for what the App Store could be. And as iTunes helped make the iPod a success, so would the App Store help make the iPhone (and the iPod Touch) a success.
  3. One influence iTunes had on the App Store was software pricing. Before the App Store software was either free or pricey. Suddenly the App Store came along and software was the price of a song. The few vendors that wanted to charge more could not compete with those who were fine with the low cost. The App Store changed the way people thought about what they should pay for software.
  4. Another effect the App Store had on software was time to market. With mobile apps, people expected updates regularly and bugs to be fixed right away. Companies that used to ship annually now were shipping weekly or daily. This had a huge effect on how software teams developed software. Everyone had to have a mobile app, and every mobile app had to keep up with the new pace. This effect rippled through companies. Software developers adopted the pace for mobile apps to other software being created and released that frequently as well.
  5. The App Store also improved software quality. If you released bad software, you would hear from users immediately via the ratings. There was no hiding bad apps. As well, if your app sucked, other people would come out with better apps and steal whatever market share you had.  Software development teams were on tighter leashes because of the App Store.
  6. The App Store allowed software developers to make money in ways they could not before. You had a direct channel to consumers of software via the App Store. And lots of developers made a good amount of money as a result.
  7. Apps  became part of our culture. Games like Angry Birds found an audience because of the App Store.
  8. We downloaded so many apps we lost track of them. And some of them turned out not to be good for us. Speaking of that, if you want to do a bit of spring cleaning on your apps and make sure that the ones remain are good, I recommend you read this: On the 10th anniversary of the App store, it’s time to delete most of your apps (Popular Science)

If you are looking for a todo list app, read this

According to this piece:

Some to-do list tools are better than others. Check out 10 of the best to-do list tools to determine which may be right for you in 2018.
— Read on blog.hubspot.com/marketing/best-to-do-list-apps-tools

I’ve used a number of these and it makes me vouch for this list. That said, there are lots of apps you can get for to do lists that are free, so don’t think you have to pay money to get a good app to do this work.

Also consider other tools, like Evernote. Evernote is more than a todo list app, but it does that well.

Finally consider using Excel or Google sheets.

Whatever works best for you is the best app.

Why math is great, and other interesting ideas, from Steven Strogatz

It’s hard to say why this interview with Strogatz is so good, other than to say he covers much ground on a variety of interesting topics and speaks lively on them. (Ok, I find game theory, “elegant” math, math education, etc, interesting, but you likely will too).

If you enjoyed this interview, he has a recent book out, “Joy of X: A Guided Tour of Math, from One to Infinity.” Worth a look. 

Interview is here: Steven Strogatz interview on math education and other related topics

Friday night cocktail: a Sazerac


Arguably the oldest cocktail made, with a fine New Orleans history. I had one the other night with bourbon, which is a good substitute for rye. You can go with just one form of bitters, and mine had Peychaud’s. Try an orange peel: it goes well with the bourbon. Experiment with leaving out the sugar cube: you might find you don’t need it with the bourbon and the orange peel.

Best Sazerac Recipe – How to Make a Sazerac Drink

Are Paris bistros dying? Some thoughts…

bistro
According to this piece, they are. A key indicator/quote pulled from it:

Around 30 years ago, bistros represented about half of all restaurants in Paris…Today…that figure has dropped to 14%.

Bistros are challenged because the cost of providing that type of establishment in Paris is limited by such things as rent — a problem not limited to Paris — as well as international threats like fast food joints.

At one time bistros were fast food joints. But there’s more to bistros than fast food. I agree with that article that says a good bistro should be

open continuously morning to night, serves French comfort foods at moderate prices, and houses an active bar where locals can gather for a drink and some lively conversation

That seems right to me. McDonald’s in Paris will never be a bistro, no matter how fast the food or how French they make the decor.

Paris will always have low cost places to eat (e.g. cafes), but it would be a shame if they lost their bistros. (It would also be a shame if the ones that remain are expensive museum pieces and less casual places to dine.) Best to get yourself to them now while you still can.

On Finland and UBI (Universal Basic Income)

Two links worth reading on Finland and UBI: this one and this one.

Essentially, Finland did a form of UBI and it didn’t work. Those for UBI will argue it was implemented poorly. Those against UBI will argue those people are purists and in fact UBI will never work.

I think there are limits to UBI, but the Finnish implementation was poor. I think it can be done better than that. Read the two pieces in the New York Times and decide for yourself.

How chromebooks can be a means of avoiding being IT support for your family

Chromebook image
This piece explains the logic behind getting certain relatives a Chromebook so as to relieve you of being tech support:  I bought my mom a Chromebook Pixel and everything is so much better now – The Verge.

Now your mom may be tech savvy and not need a Chromebook (my mom was). But for some people’s moms or dads or children, it can be a very good solution. Especially for people who don’t travel much with their computer and who have a stable IT environment (e.g. the networking set up doesn’t change, the printer is good).

Chromebooks may not seem good value. You might compare what you get from a Chromebooks vs a Windows laptop and think: I get more from the Windows laptop. If you are good with computers, that true. But that’s not how to look at it. Factor in the cost of the relative’s computer plus the time you spend solving problems with it. When you factor that in, the benefit of the Chromebook jumps out.

A very visual way to remember healthy serving sizes

The good people of Cooking Light have put together an nice infographic on this: Here’s a Handy Way to Understand Healthy Serving Sizes – Cooking Light. 

Now you might find some of them weird (one small baked potato is the size of a hamster) or outdated (an ipod nano…really?) but most of them are relevant and very useful if you are working hard to control how much you eat.

 

On outsider art / art brut

Someone made a reference to outsider art this week and it sent me researching some links on it. Like Dada, outsider art is one of the most interesting things about 20th century art, though of course it has no specific time period. It challenges everything about the art world, even as the art world tries to incorporate it.

If you don’t know much outsider art, here are some places you can start to learn more:

From there, Google as much as you can.

(Image of Jean Dubuffet via the Guggenheim)

New ideas for summer wine drinkers

For those of you looking to branch out beyond whites, roses, and heavy reds (for BBQ), here’s a good list: Chilled Red Wines to Drink All Summer – Bon Appétit.

Beaujolais is the obvious choice for Gamay, but lots of new world producers make wine with that grape. For Carignan, you may have to look around: if you can find a place that stocks a good selection of French wine, look in the Midi section. Also check out the Spanish wine section. The challenge there is it can sometimes (often times?) be blended with heavier reds. Ask the staff for help if you want something lighter. As for Zweigelt, the challenge there is finding it at all. If you can, get some.

If you want to know more about carignan, check out this from Winefolly.com:

A reluctant promotion of a Kickstarter project: Color Problems – A Book by Emily Noyes Vanderpoel by The Circadian Press with Sacred Bones


Despite being burned too many times by Kickstarter projects, this one seems so worthwhile I feel I must promote it: Color Problems – A Book by Emily Noyes Vanderpoel by The Circadian Press with Sacred Bones — Kickstarter. It’s a great project to recreate a classic book, and it will be a boon to many people if it gets off the ground. Anyone interested in the visual arts should check it out and contribute some way if you can.

I hope it’s successful, that the project initiators have 1) their act together 2) actually release something tangible and 3) in a timely manner that is high quality.  (Many of my recent Kickstarter projects have failed at 1, 2 and 3.)

Good luck to them.

Summerlicious 2018: the deals

I am a fan of Summerlicious (and Winterlicious) in Toronto: it’s a festival of sorts for people who like fine dining . It’s debatable if you are getting a deal on the meals, though I would argue that you are. If you lean the other way, then read this: 10 best deals for Summerlicious 2018 – NOW Magazine. By going to one or more of these 10 places, you’ll dine in a good restaurant and get a good deal as well.

iPhone 6s: still a great phone in the era of iPhone X

If you are skeptical about the greatness of the iPhone 6s, this piece makes a good argument for it: Reasons you should buy an iPhone 6S instead of an iPhone 8 or iPhone X – Business Insider. If money is a prime concern, you can find refurbished 6s phones for a fraction of the cost of a new iPhone 8 or X.

If you want an iPhone and you are fine with refurbished — and some places give good warrantees on such phones — then consider making an iPhone 6s your next phone. Or get a new one from your mobile phone carrier or buy one outright from Apple.

 

Weekend goals: getting a better night sleep

If you are like most people, you don’t get enough sleep. Also, you likely wish you could get more sleep. If you fall into both of those categories, why not read this guide right now: The 2-minute guide to getting better sleep – Vox. (It will take you 2 minutes: you have time). Take some notes, then make this weekend your goal to get more sleep.

Get some rest; improve your life.

A little story about why I think Tile is awesome

I lost my keys the other day and I figured they’d show up but after a few days I concluded they were lost. Luckily I didn’t have to do a search of the house because I had a Tile attached to them. (Yes I should have used it right away.) So I opened the app and figured it would tell me they were in the house, but it said they were up the street, approximately half a kilometer a way.I used the app to go right to the location was: a gas station where I was getting my bike tires pumped up a few days earlier. The keys must have fallen out when I was doing this. Great! I went inside and asked if someone had turned them in. Clerk says: nope! I was sure they were there. I start the app and get it to play music on my key fob. I can hear them! Another clerk comes over and opens a drawer with a bunch of keys, including mine! So no thanks to the first clerk but thanks to everyone else including Tile.

Some thoughts on this:

  • Don’t assume that if someone finds your keys or wallet that they will turn it over to you if you show up. The staff may be busy, or someone may have misplaced the items, or maybe the person working there just can’t be bothered to look. Let Tile help you here.
  • If you think: I can’t afford a Tile, consider the alternative. Consider the time and money it costs to replace your keys, wallet, etc. Chances are it’s less than a Tile.
  • Even when the items you lost are nearby, having the Tile saves you a lot of hassle of going around looking for the item.
  • Consider attaching your Tile to a remote control if you have people in the house misplacing it all the time.

Where American live in their houses and why you need a smaller one

This is fascinating. Among other reasons, it shows so many people have significant amounts of their living space that they rarely use (the living room, the dining room). I imagine many eat their meals either in the kitchen or the family room. Based on this diagram, I can easily see people being able to get by with almost half the square footage pictured above.

It is nice to have that extra space, but if you wished you could live in a larger space but cannot afford it, you might console yourself with knowing you might not use it anyway. Save your money and live with what you need.