Things you need to know about Over 50s life insurance:
Premiums stop after your 90th birthday but you still enjoy cover for the rest of your life. In the first year, if you die from natural causes we will refund any premiums, or if you die as a result of an accident, we will pay your cash sum. After the first year regardless of the cause of death we will pay your cash sum. Depending on how long you live, the total sum paid in premiums may be more than the cash sum payable on death. If you stop paying your premiums before the end of your policy your cover will stop 30 days after your missed premium and you won’t get anything back. This isn’t a savings or investment product and has no cash value unless a valid claim is made. Inflation will reduce the buying power of your cash sum in the future.
Working as a clinical psychologist in a hospital (I’m now retired) I had always used pen and paper to take interview notes, even as come colleagues were beginning to use laptops to do the same. I type faster than I write (especially if I try to write legibly), but the cognitive process is different. It is easier to engage with an interviewee while holding a pen than it is when ‘tending’ a computer. The same could be said about taking notes in lectures. I feel that the process of writing by hand provides an improved level of learning and analysis. The information is ‘digested’ rather than merely recorded.
A team at Wharton did some Long Tail analysis on the Netflix ratings data the company released for its Netflix Prize. Although I don’t agree with many of the conclusions in their paper (like some other academics, they got confused over definitions of “head” and “tail” and fell into the common trap of doing percentage analysis in an absolute numbers world), the data was interesting. They kindly shared it with me before publication and incorporated some of my analysis in their paper. But for some reason they didn’t use the best part, which was this chart: