Being Less Judgemental
is Being Happier

I like you only if you are this or that Being judgmental is being in conflict. Conflict is not conducive to happiness. While judgment is necessary to guide and protect ourselves through life, using it to form opinions of people with frightening speed based on limited information doesn’t serve us well.
WWWClarity increases when we avoid the urge of being judgmental as it helps us greatly to see what is really happening, unclouded by an indulgent knee-jerk emotional response. It helps us to accept those people who are not as we wish them to be, bypassing the negative wasted energy of laboring under the assumption of how people should behave and think. When we indulge in this activity, we are really becoming upset that the world is not living up to our expectations, and not a path to being happier.
WWWGavelWe don’t have to personalize the behavior of other people when it doesn’t affect us. Their actions may be repulsive, distasteful or unacceptable to our standard 
of decorum, but just because it is, doesn’t mean it’s synonymous with they being wrong or immoral. Resisting this urge moves us closer to kindness, and kindness is an infinitely superior path to happiness. It also makes us happier because people sense our nature as easily as smelling burnt toast, and respond  to us accordingly.
WWWBeing overly judgmental is the work of our ego, attempting to elevate itself above the person or group being judged as better, smarter, or morally superior; then to sanctimoniously condemn. It only satisfies the tyranny of the ego, and is detrimental to our happiness.
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SeparatenessIn his book, Handbook to Higher Consciousness. Ken Keyes writes these select passages.

“What do I want to change in the outside world instead of doing the inner work of changing my own response to it?”

“Your ego and your rational mind labor under the harsh programming that there is a certain special way the world should be and the people around you should act—and it is up to your rational mind to put it all aright”

“Whether you enjoy your life continuously, or constantly harass yourself, depends upon how well you learn to simply change what is changeable without throwing people out of your heart.”

Primitive huntersFrom our primitive ancestors who feared all outsiders as a survival mechanism, tribalism seems to written into our DNA. We strongly identify with the group to which we belong, and many times suspect, even fear, others outside of it. There are many avenues in which it can insidiously seep in—racial groups, income strata, religious belief, sexual orientation, national origin, other neighborhood, other country, etc., all of it spelling separation from others, away from acceptance, which again, does not serve us well.
WWWMany of us live by a set of institutional dogmas that are hard and fast—a binary system of good and bad—contributing to narrow thinking with zero understanding, laying a prime foundation for harsh judgment to flourish. Taking a closer look at those doctrines to determine if they tend to separate you from, rather than embrace people, will go a long way. It may be necessary to rise above such a staunch, restrictive and biased position.

What to doSince judgment comes so naturally and easily to us, breaking the habit is difficult. Being more aware when the urge presents itself, and perhaps reminding yourself of some of the thoughts this article expresses will hopefully have an impact on changing. It will also be of great help to keep in mind that when you are less judgmental of others, you will also be less judgmental of yourself, increasing your self-esteem.
WWWKnow that the vast majority of people are doing the best they can in the heat of living and coping with life, which will tend to bring some compassion into the game and derail the judgment impulse. We all judge, at the same time, we all love to be treated kindly. Kindness or condemnation is the choice.

If you want the truth to stand clear before you, never be for or against. The struggle between “for” and “against” is the mind’s worst disease.
—Sent-ts’an, 700 A.D.

© Joe Arrigo

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The Power of Dress

One of the most powerful ways in which we can invest into ourselves is by enhancing the power of our appearance. There is nothing Earth-shatteringly new about the impact of our appearance on others, it’s well known that the very first impression is one that lasts, and colors everything after that. People will believe what they see.
WWWWResearch confirms people will form an opinion about a person within the first ninety seconds, based principally on appearance. In fact, this is the automatic role of the subconscious mind because if the conscious mind were to analyze all the visual cues about each and every person we meet, there wouldn’t be any time for us to think about anything else. Your subconscious mind makes the decision, involuntary from your conscious mind. That’s how the mind works.
WWWWAlbert Mehrabian, Professor Emeritus of Psychology at UCLA, a social psychologist, and author of Nonverbal Communications, found that 55% of a first impression is based on nonverbal communication including  clothes, appearance, shaking hands, smile, and how you listen; 38% on the tone and pitch of voice, and only 7% on what we’re saying. This means that a whopping 93% of communication is nonverbal.
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The Research

men's suitDr. Duff Watkins, Director of Cornerstone International Group, consultants on corporate wear, who has his doctorate in psychotherapy, states that whether we want to believe it or not, dress has a definite impact on our success in the marketplace. Research on the brain and behavior tells us that visual cues make a huge difference in how we are assessed.
WWWWThe study is known as evolutionary biology, showing how our distant ancestors needed to form opinions quickly in order to survive. Dr. Watkins says we’re hard-wired as a visual species, which his firm applies to dressing in the marketplace and its importance. Watkins feels that many of us are in denial about the importance dress plays in impressing others because we want to believe our character and personality is all that matters in impressing the people we come in contact with. Yet, not dressing for the corporate environment decreases our authority.
WWWWMany times when he visits corporations he sees people who, “Look like they are there to check the plumbing.” He believes the increase in corporate casual dress has been a disaster in light of the fact that many services have experienced a 20% decrease in billings since then. And it’s a myth believing people will feel more relaxed with you if you dress down.
WWWWDan Ariely is the Alfred P. Sloan Professor of behavioral Economics at MIT, and Coffee on silver traythe author of Predictably Irrational. In one of his chapters he deals with expectations—do expectations actually change our experience? One of his studies with students at the school pertained to their taste of coffee…they drink a lot of it. The experiment was devised where the students added their own condiments to their coffee, be it cream, sugar, brown sugar, etc.
WWWWOne group saw a display of the condiments in very attractive metal and glass containers set upon a beautiful brushed metal tray along with gleaming silver spoons. Along with the exact same coffee, the other group was visually welcomed with the same condiments in Styrofoam cups, some a bit torn and jagged at the edges. The group exposed to the upscale presentation was very impressed with the taste of the coffee, much more than the second group. The visual stimulation increased their expectation, and in turn enhanced their experience. This data is compelling psychological confirmation that a person’s expectations of you are powerfully influenced by visual stimuli. Their raised expectations of you actually translates into a feeling of superior quality, competence, service and credibility. How could this not translate into more business?
WWWWAnother study done in Texas where researchers had a young man deliberately jaywalk against a stop light well-dressed in a business suit and tie, and again had him jaywalk dressed in only a shirt, and then a faded t-shirt. The experiment was performed several times, and as the young man did this he covertly tabulated the amount of people that followed him in violation of the law. The result was an amazing 250 percent more people followed him when he was dressed with a suit and tie, as it symbolized authority and credibility.
WWWWSo, dress may seem only to be a fundamental element to success, an afterthought, but really, it’s an advanced technique when you are truly aware of the emotional aspect and impact that is so very important in decision-making. To me, the rule is simple: Dress to Kill. Buy the finest clothes you can possibly afford. Dress like you can go on a date straight from work to a four star restaurant. For a woman this means visually outstanding and elegant, not conspicuous. For the man it means visually outstanding yet classy, not slick. Bestow upon yourself the asset of exuding great visual impact. If you’re somewhat fashion challenged, go so far as to get professional consulting top to bottom. There are many services that provide this help, many available through the Internet.
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Self Image and Dress
Condoleezza RiceThe image you project onto the world reveals how you feel about yourself and how you see yourself. When your appearance commands respect, people respond to you differently. I once watched then Secretary of State, Condoleezza Rice being interviewed by Charlie Rose. I couldn’t help but admire how she was dressed. She wore a beautifully tailored lightly colored jacket over a darker open neck top, with a simple elegant strand of pearls. Her appearance shouted professionalism and competence. I was sitting there imagining her as a saleswoman sitting in front of a prospect, who I am sure just on the strength of her appearance alone would have been decidedly impressed; add that to her eloquent discourse, I can hear him or her asking, “Where do I sign.”
WWWWI’ve given sales seminars where some people in the audience saw the light regarding the importance of dress, and there were others who weren’t impressed with my bringing this fundamental concept to their attention and consideration. They dismissed it and didn’t take it seriously, seeming uncomfortable with it.
WWWWPerhaps their reason was that what I was suggesting they change didn’t square with their self-image. You may feel that enhancing your image to that extent does not reflect who you are. Please keep in mind that enhancing your image, especially if your role is to influence people, is a technique, a business decision, the most effective attire you wear for the jab at hand and for the profession you chose.
WWWWIf you worked as a welder building tankers that transport petroleum you’d wear the proper uniform for the job, it’s not who you are. When you go home you change clothing. Looking at it from this perspective will allow you to make the commitment to pull out all the stops and portray a dynamic image that will put more money in your pocket or accelerate your promotional aspirations.
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Maximum Emotional Impact
Dr. Carol Salusso and Erin Ward collaborated with Career Services for Washington State University to create a Dress to Impress website. The research was the result of Ms. Ward’s Master’s Thesis titled, Perceptions of Professional Dress. The site states,
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People make amazing assumptions about your professional credibility and potential performance based upon your appearance during a first meeting. It’s very difficult to overcome a poor first impression, regardless of your knowledge or expertise.
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I ask you then, how powerful is image? Armed with this knowledge I sincerely hope it inspires you to invest into, and give yourself this great advantage. Dress yourself for maximum emotional impact leading to superior success.
© Joe Arrigo
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The Eloquent Insight
of Sydney J. Harris

portrait: Sydney J. HarrisI knew Sydney J. Harris…only casually. He was a columnist for the Chicago Sun Times and I worked in the Prudential Building in downtown Chicago where we would see each other and talk occasionally over a period of many years. Had I any inkling as to the profoundness of his mind, I would have made a concerted effort to draw him into deeper conversations. I realized he was a modern day Emerson only after I read one of his books, Pieces of Eight, a compilation of essays.
           Sydney Harris’ syndicated column ran for 35 years called, Strictly Personal, appearing in 200 newspapers throughout North and South America five days a week, and generating as many as 300 letters a week. An insightful and eloquently philosophical writer, he wrote about the human condition and behavior, touching many lives, his column was cut out and carried in wallets and purses, posted on gas station walls, and taped to professors’ doors. He wrote his first book at age fifteen, reading five books a day for much of his life eventually slowing down to about ten a week. Sydney J. Harris died in 1996. I think about him occasionally, regretfully reminding myself of the opportunity I had missed to interact with him on a more meaningful level, and benefit from his incisive mind.
           This article is a selection of his thoughts within his essays from Pieces of Eight, which he divided into four categories. I think you will find them profound and enlightening, and, impressed by his humanity.
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Of the Social Animal
art: boss shouting at employeeThe unfailing sign of a poor executive is that he reprimands his subordinates in public and commends them in private, when he should be doing exactly the opposite in order to elicit their best efforts.
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“Elitism” is the slur directed at merit by mediocrity.
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There is no way of proving your point to someone whose income or position depends upon believing the contrary.
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The three hardest tasks in the world are neither physical feats nor intellectual achievements, but moral acts: to return love for hate, to include the excluded, and to say, “I was wrong.”
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It is true that the first book of the Bible commands us to “be fruitful and multiply”—but that was depicting a time when the total human population of the Earth was two.
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Homosexuality, in almost all cases, is no more a matter of sexual preference than my left-handedness is a matter of manual preference.
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Of the Life of the Spirit
Afghanistan man giving drink to soldierWhat you believe counts for less than how you feel and act toward your fellow man.
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Blaming and reforming never go together, because the blamer gets too much secret pleasure out of having things go wrong.
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Life is unfair in that a plane crash may kill innocent people or spare some worthless ones and maim the useful. Anything can happen to anybody at any time, regardless of merit or worth. But precisely because of this we have a special obligation to see that fairness works wherever we have the power to make it work.
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Sex is only a minor part of morality, but for most people today the two words are nearly equated…I do not think all sexual attitudes are as productive and humanizing as all others, but I do firmly believe that in judging morality, we should raise our eyes from the loins to the heart.
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A moralizer is someone for whom morality begins at the waist and goes downward; but in fact, most basic immorality exists above the neck, not the loins.
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The only “true church” is that which admits there is no way of knowing which denomination God belongs to.
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The strange thing about science is that if you have only a slight and superficial acquaintance with it, you are likely to lose your religious beliefs; but if you bother to delve somewhat more deeply, you are just as likely to renew and confirm your reverence for creation.
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Religions tend to be hostile and divisive among themselves, while the sciences are necessarily allies—indicating there may be more of a religious core of unity in scientific investigation of the truth than in the religious exhortation of piety.
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Of the Mind and Passions
portrait of boyWhat a youngster achieves may or may not be important, now or for the future; but what a youngster is, how he or she relates to family and friends and the world at large, is a permanent index of character and worth. And this is what we should be grateful for when we see it in our children—more than all the outward marks of “success” in the classroom or the stadium. And this is the way they want us to regard them, as people, not as producers, promoters, performers, or parental ornaments.
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Ambiguity has its own uses, and it is better to be vaguely right than precisely wrong.
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If some people seem to have more good luck than others, it is mostly because a lot of what we call bad luck is determined by the contour of the personality rather than a mere accident or chance.
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The fundamental kink in masculine nature is that no father of forty wants his daughter to do what he wanted other men’s daughters to do when he was twenty.
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Most disputations are fruitless at best because the contestants want to instruct, not to learn; to persuade, not to investigate; to feel justified, not corrected or reproached or convinced of error. And the more heated the controversy, the more both antagonists lose sight of reality, of reason, and of the common objective to discover where the good resides. What is worse, however, is that arguments tend to polarize; each side becomes more extreme; nothing of value is credited to the other side, not even decent motives, and the disputants turn into bitter enemies. All one has to do is read the history of religious disputation in the seventeenth and eighteenth centuries to see how people pledged to the same God and the same Savior persecuted and slew each other over points of theology no one today even comprehends.
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Of the Fine and Vulgar Arts
Silhouette of man looking lonelyIt is the single-purposed man who reaches the goal most surely and swiftly—and then has the most time to find out that having a single purpose is not a satisfactory goal in life.
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A “consultant” is more often than not a person brought in to find out what has gone wrong, by the people who made it go wrong, in the comfortable expectation that he will not bite the hand that feeds him by placing the blame where it belongs.
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I’ll leave you now with one of Harris’ complete short essays:
What’s Wrong with Being Proud?
bald eagle and flagWhat a lot of damage a little word can do, if you don’t understand what you are saying or what someone else is saying. Entire religious sects have been formed—and persecuted—because of disagreement about the meaning of a word.
          A reader in Tequesta, Florida, asks me if I can resolve his puzzlement about the word pride. Is it a good thing to have or a bad thing? Pride, after all, is one of the seven deadly sins—and the worst, according to most theologians, because it elevates the self to the place of God.
         On the other hand, my reader asks, “What is wrong with healthy pride—the pride of a craftsmen in his work well performed?” Or the pride of someone who refuses to accept public charity? Or the pride a citizen takes in his country, a father in his children, an athlete in his prowess?
          The trap here is that we are using the same word in two quite different senses, and we rarely bother to distinguish between them. Pride as a sin is an attitude toward oneself and others, while the other thing we call pride is a feeling about excellence. To take pride in one’s work is not the same as taking pride in one’s birth. The first is a form of self-respect; the second is a form of snobbery.
           Pride is considered the root of other sins because while all the others attach themselves to vices and work their end, pride alone attaches itself to virtue and destroys it. The drunkard and the thief do not pretend they are doing what they are doing for any good reason, but people can actually be proud of their humility. The most insidious of sins, pride creeps in everywhere, before we are aware of it.
            This is the difference between genuine patriotism and an arrogant nationalism. Patriotism is proud of a country’s virtues and eager to correct its deficiencies; it also acknowledges the legitimate patriotism of other countries, with their own specific virtues.
            The pride of nationalism, however, trumpets its country’s virtues and denies its deficiencies, while it is contemptuous toward the virtues of other countries. It wants to be, and proclaims itself to be, “the greatest,” but greatness is not required of a country; only goodness is. Indeed, the pride of nationalism, in my view, is the single most destructive force in the world today, a monstrous perversion of the virtue of patriotism.
             Obviously, we need two different words to describe and define the two aspects of pride. If you do not take pride in your work (if that work is worth doing), then you are less of a person than you should be. But if you are swaggering or smug and take personal credit for the gifts God gave you, as if they make you better than other men, you debase and corrupt the very excellence of your efforts and become more despicable than anything you despise.
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Belief Systems

Convictions are more dangerous to truth than lies.  ----Frederick Nietsche

John F. Kennedy said, “The great enemy of truth is often not the lie—deliberate, contrived, and dishonest—but the myth—persistent, persuasive, and unrealistic.” 

These convictions come from belief systems; something we all have in one form or another. A belief system can be thought of as the mental acceptance of a proposition, statement, or concept as true on the grounds of apparent authority, which does not have to be based on actual fact. Many of these beliefs, ideas, or convictions have been programmed into us since childhood, many of them without any basis of reason, where hope and wishful thinking are mistaken for knowledge; and become powerful because they are a large part of our identity, and thus have great influence over our lives.

cartoon: Conflict between Truth and Comfort represented by man & wife.Belief systems are usually rigid rather than flexible, narrow rather than broad, closed rather than open, and immobilizing rather than liberating. It is our belief systems that we use to make judgments about the world and about any given situation as being true, good, bad, happy; where we become so emotionally invested in protecting them, facts to the contrary are rendered invisible; seeing only what aligns with and supports our beliefs. They tend to make us think in binary terms, either right or wrong, good or bad, moral or immoral, whereby knee-jerk conclusions are drawn; painting things with a broad brush into gross generalizations in a frail and lazy misguided attempt to simplify the complexities and nuances of life.

The conscious mind may want to make logically precise decisions, yet the unconscious mind wants to feel good. There are times when we know down deep that we are in conflict with our own intellect and common sense when defending our beloved belief system. We turn our back on, and abandon our intellect in order to cling to, and protect, our precious ideological comfort zone, disallowing ourselves to know what we know. If we resist and dismiss that “annoying” nudge, and doggedly continue along the same path of thought out of shear pride and allegiance, we dishonor and deny our intellect, our inner voice, and the integrity of our true and better selves. Neuroscientist and brain researcher from Yale, Paul MacLean laments,

Portrait: Paul MacLeanYou know what bugs me most about the brain? It’s that the limbic system, this primitive brain that can neither read nor write, provides us with the feeling of what is real, true, and important.

The operative word in Dr. MacLean’s quote is feeling, infused with certainty based on our belief, then becoming our option to either engage our intellect as to the veracity of that feeling, or just blindly and passively ride with it. Intransigent belief constructs a mental  barrier to further knowledge and understanding; where nothing, not even irrefutable evidence, will cause it to consider or yield to that information. A great example of this in action happened when I was watching the Rachel Maddow Show airing from Alaska in 2010 when Joe Miller was running for Senator. She interviewed some of his supporters on the street protesting against Eric Holder the Attorney General, regarding and opposing his position on gun Rachel Maddow interviewing protestor.control, as they perceived it. She asked one woman holding up a Joe Miller campaign sign,
“Can I just ask, why are you upset about Eric Holder.”
She replies, “I know that he is anti-gun.”
Rachel, “What has he done that’s anti-gun?”
The woman then utters these vacuous words, “I don’t have all the facts but I know that he is anti-gun.”
Then Rachel asked a man participating in the rally the same question; and his reply?,
“I don’t know enough about that to answer that truthfully, Rachel.”

These people who behave solely from the feeling they receive from their limbic system that Paul MacLean depicts in the above quote, do so without the slightest inclination of pausing or questioning it with their intellect, and gather information. This immediate functionality of the limbic system served our primitive ancestors well ensuring their survival by allowing them to react swiftly in the face of imminent death, bypassing the slower conscious assessment of a perilous situation, providing an instantaneous interpretation to environmental stimuli—no conscious thought necessary. This primitive responsiveness lives within us still, and doesn’t serve us well interpreting modern world problems unless we make the effort to consciously assess those feelings bubbling-up from our primitive brain.

As enlightening and insidious as Dr. MacLean’s insight is, we nevertheless have the ability to identify our own illogical fallacies, and can therefore, if we choose, manage them with deliberation—we can disown flawed beliefs and replace them. And yes, it requires considerable fortitude to challenge long held beliefs; they are comfortable, perhaps loyal to a particular group, familiar, and cherished, and can even conjure up warm memories of the way it was, carrying the baton for the people we love or loved. Beliefs can also come from self-serving bias, self-deception, and early institutional programming; in short, an integral part of the culture in which we were raised and conditioned. When we dare to challenge them we feel the fear of the unknown as we venture beyond what we previously established as our safe boundaries. We must take heart however, and remember that the realm of the unknown is precisely the place where solutions to unsolved problems are found.

As Ayn Rand points out in her book, Philosophy: Who Needs It, we all need a philosophy, “Your choice is whether you define your philosophy by a conscious, rational, disciplined process of thought—or let your subconscious accumulate a junk heap of unwarranted conclusions [and] false generalizations…”

This does not mean we abandon our intuition…our inner voice; it does mean we use it along with good information, and in doing so; we open up the potential to become both more competent and more liberated. Acting on knowledge works far better than acting on belief. Alexander Green writes, “Genuine faith is belief in the absence of evidence, not belief in spite of the evidence.”

Cross section of brain showing limbic systemHard and fast belief systems tend to make us react automatically to certain new information…sort of a robotic reflex-action, similar to the fight-or-flight syndrome, circumventing our invaluable intellect to analyze objectively; where new information bypasses the intellect, surrendering it over to the primitive brain that is the limbic system, similar to a short circuit in an electrical system which bypasses the functional circuitry. That mechanism, left unchecked, locks us into a mental state, surreptitiously slipping by our awareness that we do have a choice. And choice is our greatest power. Developing the fortitude to hold those beliefs up to scrutiny removes the sentry at the gate of our minds whose role it is to filter out all information that doesn’t align with, protect, and caress our old beliefs.

We’re all aware that most of the directives in our life emanate from our subconscious—without our awareness—and therefore, if we don’t make a concerted effort to engage our conscious intellect of those things we are aware of whenever we can, we willingly forfeit all control over how we think and our lives. We wholly empower ourselves by becoming free thinkers. It’s of paramount importance that we are prepared to detach from our belief systems when we recognize good information screams foul, because they govern our behavior and determine our decisions through life; being on constant vigil for what we want to believe is true, isn’t the driving force for what we believe is true; and entails pausing, and consulting our intellect, always. The bottom line is developing the courage to be intellectually honest with ourselves.

Book Cover: Fostering Cooperation

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Random Acts of Kindness

After I left the gym I discovered that my pocket holding over $50 in cash was empty, no doubt having fallen out while I was working out. With scant hope of ever seeing it again, I went back to the gym and feeling a bit naive, asked the office people if anyone had found any cash. To my amazement they replied in the affirmative having placed it in an envelope just waiting for me. Gratefully, I asked who had returned it. They didn’t know his name. That, was a random act of kindness, and it impressed me. There are millions of kind acts like this that go on every day, contrary to most of the news we hear every day.
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At the park district where Joe DeRosa and I use to play racquetball twice a week, there was a small classroom teaching a group of children on one of those days. What they were teaching escapes me now, but we would always look in to wave and say hello to the kids and they would all wave back. After asking permission from the teacher, we started bringing a couple dozen Dunkin’ Donuts and a gallon of milk for them each week, enjoying it more than the kids did eating the donuts. It was great feeling—a little act of random Man diving for ball on the court.kindness that was fun and we looked forward to it. Joe eventually quit playing because he could never win despite spotting him 17 out of 21 points, unable to cope with my dazzling footwork, gazelle-like movements, uncanny reflexes and precision hand-eye coordination. I’d say more were I not humble.
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A definition of kindness I like, is the behavior that is distinguished by the act of being charitable, with an authentic heartfelt empathy for others. The concept of love is used a lot, and many times loosely. We talk of having love for our fellow man and religion sermonizes about it, but kindness is the evidence of love, the action of love, where the rubber meets the road—the bottom line. We are all too aware of the overabundance of pain in our world, and that anytime we act with discourtesy or animosity toward another person, we simply add to it. Kindness is truly a subtractor from that aggregate pain. There are many of our fellow citizens who are operating in desperation and on the brink of a breaking point, and we, with one unkind word or gesture could topple those people off the edge, or with a kind word or act, possibly be their savior. We most likely would never know.
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There are those who have the pathetic mindset that kindness necessarily equates with weakness. Ironically that attitude is a reflection of a person who fears exhibiting kindness as an opportunity for another to take advantage of their already weak make-up. Kindness operates from a profound strength, not meekness. One of the most interesting aspects of performing an act of kindness is the production of serotonin, an endorphin that has the dual benefits of strengthening the immune system and helping to nullify depression and stress.
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I couldn’t find any research corroborating what I heard a lecturer relate about an act of kindness, but if true, the utterly fascinating thing is that not only does the giver of kindness have an increase of serotonin, but also does the recipient, and even those who witness the act of kindness! We are not talking about major acts here. We are talking about small acts of kindness that can, if you choose, punctuate each and every day of your life where everybody wins. The effort is nothing paramount, but the intent is. 
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If you Google Random Acts of Kindness, you’ll get 4 million results. So there seems to be a kind of movement in an effort to make this a better world for us all…something that moves everyday kindness up a notch. I could continue writing about what that means, however, the following photos of kindness are far better depictions than I could express pecking away at the keyboard. They should inspire us all to look for opportunities to engage more, to touch people, and enhance our world.

sign in a cleaners window offering free cleaning for job interview

Notice roll of quarters left there for children to ride.

note under rock with phine number if you lost a stuffed kitty
plastic cover over bike seat with words, "A wet bike seat would have been no fun."
In Rio De Janiero, man giving his shoes to homeless girl.

In Rio De Janiero, man giving his shoes to homeless girl.

Subway sandwich sign in window. Free meal for homeless every Friday.

 

Note: Woman buys lunch for younf parents.Article: Starnger bought bike for child.Envelope with moneytaped to soda machine, "Have a drink on me."Note: Found lost sunglasses asking others to leave it there for owner.

 
 Police officer giving boots to shoeless man
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When Dumb Money
Becomes Smart Money

“For those who invest and then drop out of the game and never pay a single unnecessary cost, the odds in favor of success [in the stock market] are awesome,” proclaims John Bogle, founder of Vanguard Funds and the author of The Little Book of Common Sense Investing.

art floundering

As a guy who’s made just about every stock market mistake in the book, what I’m going to share with you here addresses every one of those mistakes…finally. I was undermined several times by my emotions to sell-off when the market tanked, then get back in again trying to time the market—a losing proposition. As Warren Buffett puts it, “For investors as a whole, returns decrease as motion increases.”

I’ve read a plethora of investment books including authors who claim to know Warren Buffett’s strategy, attended investment classes, purchased “money making” software, did point-and -figure charting, pursued the up-trending sectors with that charting, used bullish-percentage charting, studied moving average charting in conjunction with both Relative Strength Index (RSI) and Moving Average Convergence-Divergence (MACD) charting, subscribed to an investment letter, attended product seminars, listened religiously to investment broadcasts, etc., all proved nothing more than financial snake-oil. As Peter Lynch wrote, “Thousands of experts study overbought indicators, oversold indicators, head-and-shoulder patterns, put-call-ratios, the Fed’s policy on money supply, foreign investment, the movement of the constellations through the heavens, and the moss on oak-trees, and they can’t predict the markets with any useful consistency, any more than the gizzard squeezers could tell the Roman emporers when the Hun’s would attack.”

picture: graph arrrows up and sownLike the vast majority of investors, I’m just a layman, a light-weight, and was managing dumb money, a light-year removed from the Buffett and Cramer guru types. And we laymen are dealing with an animal that by its nature, is schizophrenic, affected by every tidbit of emotional news on a daily basis…it goes up it goes down, it goes down it goes up, in many cases for no good reason, even contrary to reason, making it an emotional roller-coaster-ride for most of us, and maddening to deal with.

green is goodUntil I read Green. That’s Alexander Green, in his book The Gone Fishin’ Portfolio. Every once in a while someone comes along and clears the air, offering insight that elicits the aha moment. Alexander Green is one of those people. I picked up his book to brief through it expecting another typical rehash of investment babble-talk. Well, surprise, enlightenment! Writing with great clarity, his approach is conceptual, not merely suggestions, but exactly what to do. Yes, he is a guru who picks stocks and most of the time beats the S&P, but denounces that approach unless you’re prepared to do as he does—eat, drink and sleep stock picking as a pro; instead he shows the layman how to invest smart with shear simplicity, bringing the emotionalism always attendant with the stock market to near zero. 

Green writes, “Fortunately, the Gone Fishin’ Portfolio take’s life’s unavoidable risks and uncertainties and turns them into your ally. It allows you to reach financial independence, not because of how much you know, but, ironically, by conceding how much you don’t know.” So let’s get right to it. The three main constructs are these:

  • Index Mutual Funds
  • Rebalancing at Year End
  • Extremely Broad Diversification

Index funds are used because of the low expenses they offer. Typically index funds’ expenses are 75% lower than managed funds; this is not to be confused with loaded funds which is an up-front fee just for the honor of buying the fund—index funds are no-load funds.  Total expenses are far more important than most people realize. The following graphic I think, says it all:

Graph of costs over 50 years impacing returns

The above data comes from John Bogle’s book mentioned earlier, The Little Book of Common Sense Investing, and is an excellent compliment to Alexander Green’s book. You can see the phenomenal impact costs have on returns. Beside the low expense costs, index funds don’t have the expenses of the buy and sell trading within the fund because they don’t trade; and therefore you’ll avoid paying the income tax charged each year on the declared capital gains of stocks sold-off from managed funds.  Since you won’t be trading stocks yourself you’ll avoid trading commissions, and by being self-directed, you’ll also escape managed portfolio fees. As the graph shows, costs to Wall Street eat up the lions share of your investments, where the first year eats 2%, the 10th year 21%, the 30th year 50%, and by the 50th, 70%. Bogle writes, ” The investor who put up 100% of the capital and assumed 100% of the risk, earned 32% of the market return.”

Point 2, and my favorite, there is rebalancing at the end of the year. Green outlines ten broadly diversified index funds for you with a certain percentage allotted for each fund. At the end of the year you would rebalance those percentages to their original percentage amounts. Those that did well, a portion would be sold off, and those that didn’t you’d buy more shares. What is the great value in this? It forces you to do what eludes the great majority of investors—Buy Low and Sell High! Very neat.

Point 3, a broadly diversified uncorrelated fund portfolio reducing risk dramatically, diversifying with large cap, small cap, international, emerging, some gold, REIT’s, and bonds; all with index funds. That’s basically the concept. Again, a quote from the Oracle of Omaha, Warren Buffett, “That’s when dumb money becomes smart money;” Peter Lynch, Jim Cramer and William Bernstein agree.

indexes beat active fundsThe S&P Indices Versus Active funds scorecard (SPIVA) studies show indexes beating actively-traded funds in almost every asset class, style and fund category. Over the last five years more than 65% of the large-cap active managers trailing behind the S&P 500, more than 81% of mid-cap funds were outperformed by the S&P MidCap 400, and over 77% of the small-cap funds were outperformed by the S&P SmallCap 600. This is just as true for bond funds. Then it follows, portfolios of actively managed mutual funds underperform portfolios of all index funds, not only because active funds underperform individually, but because a portfolio of them underperforms even more as there is a compounding of negatives in play. I think two of the reasons managed funds don’t perform as well is because of the internal trading costs they incur from buying and selling, and the fact many hold large amounts of cash and are not fully invested in the market as index funds always are.

reversion to mean

 The other very significant point I learned about the market from John Bogle other than the insidious monumental costs that can ravage your investment, is becoming aware of and taking comfort in what has consistently occurred in the stock market for two-hundred years—Reversion to Mean.

S&P chart Last 25 Years

As an example, this chart depicts the S&P 500 growth for the last 25 years. To it I added a mean-line (in red), a straight trend-line representing where something started and where it is now. The straggly line is the actual gyrations of the S&P Index for that time period, and what you will notice is that however the gyrations behave, cartoon: investors riding wall street roller coasterthere is always a Reversion to the Mean—the gyrations always return to the mean-line…the arrows show five of them. You might look at the mean-line as reflecting the actual growth of businesses, and the market gyrations as a mad-dance around it due to societal emotionalism, always returning to mean after the emotional highs and lows of investors and speculators subside and return to Earth. So, what does that time-honored unchanging fact mean to you utilizing this strategy? When you rebalance each fund each year, you take advantage of the market every time it goes above or below that mean-line. You sell off some profits of those funds at year end that have increased in value to reestablish their original percentages, and buy more shares of the funds that decreased in value  reestablishing their original percentages. When the market inevitably returns back to the mean-line you have capitalized on it in both instances, working both ends to your favor—worth mentioning again, buying low and selling high. You are actually counting on uncertainty—making it your ally—rather than going through the typical hand-wringing experience that accompanies the unknown. 

in conclusion

This of course is a long term investment strategy, a Pulitzer Prize winning one at that, won by Harry Markowitz in 1990 when his paper proved how a portfolio constructed of uncorrelated assets allow you to master uncertainty and generate excellent investment results, and not the proverbial get rich quick nonsense. It greatly frees up your time dealing with it only once a year, thus the title Gone Fishin’ , but perhaps more importantly it releases you emotionally from the constant churning of the market and relentless angst over what the market is going to do next.

Out of the last nine years up to and including 2011, this portfolio and concept beat the S&P 500 eight times with less risk. This year, 2012, it didn’t, yet I still received a 12.4% return. When the S&P 500 does falter, as it will, I will buy more of its shares since it’s one of funds of the portfolio, and have an excellent chance of beating it because of the broad diversification I hold. Is this a guarantee? Absolutely not. What it is, is a mechanism that puts the odds dramatically in your favor for success—in life, you can’t ask for much more than that.

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It’s a Beautiful Day
in This Neighborhood

Remembering Mr. Rogers

 portrait: fred rogers
I like to be told
When you’re going away,
When you’re going to come back,
And how long you will stay,
I like to be told
I like to be toldcomposite of children's portaits
If it’s going to hurt,
If it’s going to be hard, 
I like to be told
It helps me get ready for all those things,
All these things that are new.
I trust you more and more each time
That I’m finding those things to be true…
I like to be told
‘Cause I’m trying to grow,
‘Cause I’m trying to learn
And I’m trying to know.
I like to be told.
              —Fred Rogers
 Fred Rogers Poem: Sometimes
When a baby comes to your house,
It’s a girl or boy,
It’s a sister or a brother,
But it’s never a toy
It can cry and it can holler.
It can wet and it can coo.
But there’s one thing it can never…
It can never be you.

 

Fred Rogers, a Presbyterian minister born in Latrobe Pennsylvania, was best known as the soft-spoken, gentle host of the popular children’s show, Mister Roger’s Neighborhood, that my children grew up watching. The show was the longest-running children’s program on public television (30 years), carried by more than 250 stations reaching five million households a week, and won virtually every award in its field, including an astonishing 48 Emmy Award nominations. Rogers once brought a barber on the set to show children that haircuts do not hurt, and also invited a doctor to give him an on-air shot showing it wasn’t terrifying. He said “Our goal is to confront children with what bothers them. It is good to re-evoke their fears and teach them to deal with them, that’s why children are held by the program…it deals with their inner dramas.”
         Rogers wrote the show’s songs and scripts, and also provided the voices of most of the puppets. As of the spring of 2000, more than 870 episodes of the show had aired. Awarded the Medal of Freedom in 2002, created in 1963 by John F. Kennedy, is the nation’s highest civilian honor.
         Mr. Rogers will remain very close to the hearts of the millions of adults who eagerly viewed his show as children. He was their friend.

I’m going to keep right on trying to help children grow within their families, and trying as well to help parents in those families stay in touch with the children they were.   —Fred Rogers

Won't You be My Neighbor

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Doing Happiness

Scientists increasingly believe we can sculpt our brain circuitry, reshape our outlook, by understanding the reasons our brain works the way it does. Despite the programming our brains received through a millennia of trying to survive from being lunch for a host of predators, we seemingly can overcome that default setting that doesn’t serve us very well in the modern world.

Two small parts of our brain structure, the hippocampus and the amygdala, helped to keep our ancient ancestors alive by alerting them of the dangers that surrounded their everyday lives. Those two glands are a part of the limbic system—the reptilian brain—that works mostly on a subconscious level to pull together bits of information, forming memories that is key to recognizing life threatening danger. The amygdala can register a “threat level red” before the conscious mind gets the message.

cave art: men fighting a bearBecause it evolved over a time when danger was rampant everywhere, we have developed a “negativity bias,” alive and well with us today. Evolution favored those who were able to react with lightening speed, and we have inherited that instinct.; seemingly written into our DNA. As Dr. Rick Hanson, neuropsychologist and author of, Just One Thing: Developing a Buddha Brain One Simple Practice at a Time, puts it, “The brain is like Velcro for everything negative and Teflon for the positives.” In his book, he presents 52 favorite simple mind actions to strengthen your neural networks toward a happier mental state.

So, burdened with this battle-hardened programmed negativity from our ancient past, how can we infuse a more lighter joyful existence? The same way you build your body by working out, the brain has the same capacity to be art: profile of man revealing brain connectionstrained in the direction you want it to go—fundamentally it’s a numbers game. We need a net surplus of cheer…that simple. The ratio is 3 to 1. Three joyful experiences to every downer. “Three to one is the tipping point that leads to a happier life,” says Dr. Barbara Fredrickson, director of the Positive Emotions Lab at the University of North Carolina. It’s a tipping point where you can become more resilient to adversity, bounce back from setbacks and connect better to others. We are talking about “genuine heartfelt positive emotions,” not the Pollyannaish insincere facade of “being positive,” always pumping sunshine. The kind of mental states that Dr. Fredrickson speaks of are things like openness, appreciative and curious, from which spring positive emotions. In describing openness for instance, she makes us aware that all too often we’re preoccupied with the past, the future, or both; rendering ourselves oblivious to the goodness that surrounds us in the moment—an awareness that can bring joy, dampening the insidious amygdala effect. Dr. Rick Hanson adds, “By striving to seek out more upbeat encounters every day and savoring them to the max, you can gradually weave positive experiences into the fabric of your brain.”

portrait: James Franco smilingIn addition, there is also the “facial feedback response,” where simply smiling more conditions the brain away from negativity. Another powerful activity is exercise, where evidence shows that it grows neurons that are less reactive to stress. “Exercise may buffer the brain from stressful situations,” says Dr John Ratey, an associate Clinical Professor of Psychiatry at Harvard Medical School and author of, “Spark: The Revolutionary New Science of Exercise and the Brain. He advisie us, “Think of exercise as medicine,” and that, “Exercise is the single most powerful tool you have to optimize your brain function.”

So, we have the tools to control and remold the “negative bias” handed down to us by our beleaguered ancestors.

View this short talk by Dr. Barbara Fredrickson, being especially attentive to the ending story and the last few profound words.:

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The Allure of Apocalypse: 2012

end of time

 Mayan Long Term Calendar

Mayan Long Count calendarAccording to the ancient Mayans, December 21, 2012 is the end of their Long Count calendar which has been repeated 12 times, the 13th ending in 2012, capping a full 5,200 year Mayan cycle of creation. This is being interpreted by the never ending march of dooms-day predictors as the coming apocalypse which will occur on December 21st. The initials GMT shown in the picture at left stands for Goodman-Martinez-Thompson, the three early scholars who compiled the evidence correlating the Julian calendar, predominant in Europe in the 16th century, with the Maya calendar. This apocalypse has gained a lot of traction the last couple of years in the media. and many people seem to be taking it seriously; much of the allure, I believe, coming from the romantic mystery and wisdom they place in ancient texts. 

Rogue planet Nibiru

Planet Nibiru near earthOne fear is that the planet called Nibiru is aimed at earth. Self-proclaimed Nibiru expert Nancy Lieder, who claims she is in contact with aliens from the binary star system 39 light-years from Earth, Zeta Reticuli, first said Nibiru would destroy us in May 2003, has now changed it to December 21, 2012. If such a planet was headed our way, it would already be visible to the naked eye.

Aligned planets with sun

Another fear is that planets or stars might line up in ways that will transform Earth—the sun will cross in front of the plane of our galaxy and have a catastrophic impact on Earth, however, the sun already does this twice a year.

Earth Will Reverse Polls

Earth's magnetic poles

Fear the Earth’s geographical poles marking the axis of rotation, or its magnetic poles will flip-flop. One of the many fortuitous facts about our solar system is that Earth has a large moon which stabilizes our planet’s spin. Occasionally over long periods of time of about 500,000 years, our ploes do reverse, not suddenly, and if they did, the only inconvenience would be to change our compasses.

doomsday psychology

Picture: gears in scull as the brain

People who have a strong inclination to a doomsday scenario look for reasons, such as above, to jusitfy their emotional state. Sort of like carrying a hammer looking for nails to pound. I’m fascinated when I watch the program, Doomsday Preppers on the History Channel, at the lengths these people go through in preparing themselves for what they believe is a coming monumental disaster. They’re prepping for TEOTWAWKI, a survivalist shorthand for “the end of the world as we know it,” from causes such as solar flares, nuclear attack, dirty bombs, economic collapse and gigantic storms, storing hoards of food and water, and arming themselves with enough arms to start a small war.

So why have visions of impending doom been with us throughout history across the world? What is the fascination, the allure? Does it reside in our DNA, driven by our evolutionary biology, programming us to pay far more attention to the barrage of negative news we all receive every day than good news? It seems so. We have the amygdala gland, designed to be on high alert for anything threatening survival, always looking for something to fear—a propensity for bad news; and that single psychological element called cognitive bias impacts our fundamental view of the world as getting worse; skewing our perspective into such a morose cynicism as to bring some people to question if it’s morally responsible to bring a child into such a corrupt, violent and troubled world.

The amygdala can register a “threat level red” before the conscious mind gets the message. Because it evolved over a time when danger was rampant everywhere, we developed a negativity bias which is alive and well today, where evolution favored those who were able to react with lightening speed. We have inherited that instinct. As Dr. Rick Hanson, neuropsychologist, puts it, “The brain is like Velcro for everything negative and Teflon for the positives.” Is it possible these dooms-day sooth-seers have an oversized and overly active amygdala, their minds seeing and super-charging everything through the lens of their own survival or demise?

Professor of religion, Lorenzo DiTommaso from Concordia University in Montreal found that apocalyptic beliefs have been rising in the past 50 years while researching his upcoming book, The Archtecture of Apocalypticism. As to its cause, he states, “Problems have become so big, with no solutions in sight, that we no longer see ouselves able as human beings to solve these problems. From a biblical point of view, God is going to solve them; from other points of view, there has to be some sort of tradegy.” So it seems these people view an apocalyptic event as a reset button to straighten everything out, and every one straight. DiTommaso says, “Despite fire, death and destruction, the god of apocalypticism is a god of order, not chaos, that’s the reassurance.” So it seems, doomsdayers find comfort by looking for order through chaos.

People being raised to heavanWe have the Christian belief in The Rapture, where Jesus will return to save only the believers by literally lifting them into paradise leaving everyone else to perish. Eighty-five percent of Muslim Shiites called the Islamic Twelvers, believe in the appearance of a 12th imam who disappeared in the ninth century and will return to bring light to the world and cleanse it through apocalyptic catastrophe; where Islam will rule. Martin Luther predicted the world would end no later than 1600. Then there is William Miller, a 19th century New York farmer and Baptist preacher interpreting the Bible from the Book of Revelation, preached apocalypse between 1843 and 1844, yet its passing did not disillusion his followers which now number sixteen million known as Seventh Day Adventists. Just a few others within the arm’s length list of apocalyptic predictors who missed their dates are Jean Dixon, Jim Jones, Jehovah’s Witnesses, Pat Robertson, Isaac Newton, Christopher Columbus, Louis Farrakhan, Nostradamus, Edgar Cayce, The Amazing Criswell and Jerry Falwell. And now we have the 2012 apocalpse, so utterly entrenched in our society, Hollywood did a movie about it; along with a host of television programming and scores of articles feeding the frenzied fascination.

All I can say is, have a nice December 22nd, and, Happy Joyous Holidays.

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Irena

portrait: Irena SendlerIrena Sendler saved 2,500 children from the Nazis. Irena created a network of about 30 rescuers she recruited in Poland to smuggle children out of the Warsaw Ghetto.

The Warsaw Ghetto was a 16 block area surrounded by seven foot walls where 500,000 Polish Jews were herded into to await certain death. As a health worker approved to enter the ghetto, Irena sneaked children out between 1942 and 1943 to safe hiding places, finding non-Jewish families to adopt and care for them.                   

Being appalled by the conditions, she joined the underground Zegota, becoming the head of the children’s bureau. At the time, Irena was a Senior Administrator in the Warsaw, Social Welfare Department,  and managed to be issued a pass to legally enter the Ghetto; doing so daily, bringing food, medicines and clothing…5,000 people were dying per month from starvation and disease, where she decided to help the Jewish children get out.             

Child dying on street in Warsaw Ghetto

Child dying on street in Warsaw Ghetto

Children were taken out in gunnysacks, body bags and potato sacks; a mechanic took a baby out in his toolbox. Some were carried out in coffins, their mouth taped, or they were sedated so they wouldn’t cry. An ambulance driver accompanied by a dog took some children through the gates where they hid under the floorboard—the barking dog drowning out the children’s cries. They were given false identities and placed in homes and orphanages; and Irena wrote  down in coded form, the children’s original names and their new identities, keeping them in jars buried beneath an apple tree in a neighbor’s back yard, hoping one day she could dig them up and locate the children informing them of their past and true identities. The children only knew her by her code name, Jolanta; single handedly smuggling out 400 of them.

On October 20, 1943, the Nazis arrested Irena. She withstood torture of having both her legs and feet broken, never betraying the children or her associates. Sentenced to death, she was saved at the last minute by Zegota members who bribed a German soldier to halt the execution.                 

Reflecting on her experiences, Irena said, “Here I am, a stranger, asking them to place their child in my care. They ask if I can guarantee their safety, I have to answer, ‘No.’ Sometimes they would give me their child, other times they would say come back. I would come back a few days later Irena as an older womanand the family had already been deported.”                        

After the Polish Senate finally honored her Herculean heroism, she sent them a letter, writing, “Every child saved with my help and the help of all the wonderful secret messengers, who today are no longer living, is the justification of my existence on this Earth, and not a title to glory.” Irena Sendler died on May 12, 2008. She was 98.   

Below is an actual video of Irena Sendler describing her experience.

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