What is human capital?
One of the major trends in finance in recent years is the increasing popularity of the “human capital” concept. In case you’re not familiar with the idea, your human capital is defined as the value (as measured today) of all of your future earnings from work.
In short, the ramifications are that:
- Over time, you must accumulate financial capital in order to make up for the fact that your human capital is being depleted as you move toward retirement (at which point it will be mostly, or entirely, depleted), and
- When considering how much risk to take on in your portfolio, you should consider how much risk you’re already taking on via your human capital.
How About a Few Examples?
Janelle is 24 years old, and she is employed by the federal government in a position with a great deal of job stability. In other words, she has a great deal of human capital (because she’s young, with many years of work ahead of her), and it is very low-risk. As a result, Janelle can afford to take on a good deal of risk with her portfolio.
Geoffrey is 28, and he’s self-employed in a business with an unpredictable income. Because Geoffrey’s overall economic picture is dominated by a large amount of high-risk human capital, he should probably take on very little risk with his portfolio.
Source: Oblivious Investor
Human Capital: What It Is and Why People Invest It
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Some months ago, I described this situation as a sociological experiment set up by Israel, the United States and the European Union. The population of th...ake over the Strip by force was not accidental. Hamas had many good reasons to avoid it. The organization is unable to feed the population. It has no interest in provoking the Egyptian regime, which is busy fighting the Muslim Brotherhood, the mother-organization of Hamas. Also, the organization has no interest in providing Israel with a pretext for tightening the blockade.
Is science confirming His existence?
If so then science has the task of proving that a great and powerful entity created a clump of earth that orbits a huge fireball and then created a great many species of animal. Each animal in order to survive must kill something else or they will die.
Also some of the human species of animal believe that if they do not worship what they think made them and if they do not believe a book th...eat and powerful God to create others of equal stature rather than a very ignorant species of animal who just wants to fight and make war.
Basically the human concern is to maintain large pens of other species of animal for their eating pleasure, to have sex with one another as often as possible and to own as much wealth as possible even at the point of dropping bombs and killing children.
At the same time, warm Pacific Ocean water is pulsing through the Bering Strait into the Arctic basin, helping melt a large area of sea ice between Alaska and eastern Siberia. Scientists are just beginning to learn how this exposed water has changed the movement of heat energy and major air currents across the Arctic basin, in turn producing winds that push remaining sea ice down the coasts of G...Yale calls "protective cognition" we judge things in part on whether we see ourselves as rugged individualists mastering nature or as members of interconnected societies who live in harmony with the environment. Powerful special interests like the coal and oil industries have learned how to halt movement on climate policy by exploiting the fear people feel when their identities are threatened.
Following are excerpts from a public address delivered by members of the Islamist group Hizb Al-Tahrir in Lebanon, which aired on Al-Jazeera TV on July 21, 2009.
Salah Al-Din 'Adhadhda, member of the press bureau of Hizb Al-Tahrir in Lebanon: We have come here to talk about the pinnacle of Islam Jihad for the sake of Allah. Since Jihad like other precepts of the Shari'a - has been sub...ultural campaign by the West, because of what the infidels viewed as the shattering of their earthly interests interests that exploit human beings, sucking their blood. Jihad is the path to save mankind from the deprivation and hardship of their lives. The West has directed its arrows intensively against the Jihad, because it realized how dangerous Jihad is to Western civilization and culture.
When religion is an addiction
'I remember hearing popular psychological speaker and writer John Bradshaw say that the high one gets from being righteous was similar to the high of cocaine. As both a former monk and addict, he knew the feelings personally.
As the religious right pushes its anti-gay, anti-womens reproductive rights, anti-science, pro-profit agenda nationally and in state capitals across the nation and...r dealers, right-wing religious leaders, feeds it. Like alcoholism and drug addiction, the fix numbs the religious addict against any feelings about how their addiction affects others '
Reminder: Model what it is to be a healthy human being without the addiction. Addicts must see people living outside the addiction, happy, confident, proud, and free from the effects of the disease.
Scott Cole explains why human capital may be your most valuable asset — Alabama's13.com
WHAT IS HUMAN CAPITAL? It is the sum of your experiences, the values and the work ethic your parent taught you, your education, your social skills, it is everything that makes you you. It can be build - ie. education. It can be shaped - ie. your …
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