25 Life Lessons from Albert #Einstein

1. Intellectual growth should commence at birth and cease only at death.

2. Everyone should be respected as an individual, but no one idolized.

3. Never do anything against conscience even if the state demands it.

4. If people are good only because they fear punishment, and hope for reward, then we are a sorry lot indeed.

5. A perfection of means, and confusion of aims, seems to be our main problem.

6. Love is a better teacher than duty.

7. If you can’t explain it simply, you don’t understand it well enough.

8. No problem can be solved from the same level of consciousness that created it.

9. Insanity: doing the same thing over and over again and expecting different results.

10. Learn from yesterday, live for today, hope for tomorrow.

11. It has become appallingly obvious that our technology has exceeded our humanity.

12. Everything that can be counted does not necessarily count; everything that counts cannot necessarily be counted.

13. Force always attracts men of low morality.

14. Everything should be as simple as it is, but not simpler.

15. A man should look for what is, and not for what he thinks should be.

16. Any man who reads too much and uses his own brain too little falls into lazy habits of thinking.

17. A person who never made a mistake never tried anything new.

18. It is the supreme art of the teacher to awaken joy in creative expression and knowledge.

19. Anyone who doesn’t take truth seriously in small matters cannot be trusted in large ones either.

20. Great spirits have always encountered violent opposition from mediocre minds.

21. Education is what remains after one has forgotten what one has learned in school.

22. Logic will get you from A to B. Imagination will take you everywhere.

23. Anger dwells only in the bosom of fools.

24. Information is not knowledge.

25. Never lose a holy curiosity.

— Credits to


Keep’n Mind

All great achievements require time.

Mind Theory

…the desire to find there three psychic agencies had been sparked by a diagram Freud published in the course of summarizing his new structural theory of mind, which he developed in the decade 1923 to 1933. That new theory maintained his earlier distinction between conscious and unconscious mental functions, but it added three interacting psychic agencies: the ego, the id, and the superego. Freud saw consciousness as the surface of the mental apparatus. Much of our mental function is submerged below that surface, Freud argued, just as the bulk of an iceberg is submerged below the surface of the ocean. The deeper a mental function lies below the surface, the less accessible it is to consciousness. freudstructconsc-2 Psychoanalysis provided a way of digging down to the buried mental strata, the preconscious and the unconscious components of the personality. Picture of Freud’s structural theory


What gave Freud’s new model a dramatic turn was the three interacting psychic agencies. Freud did not define the ego, the id and the superego as either conscious or unconscious, but as differing in cognitive style, goal and function. According to Freud’s structural theory, the ego (the “I”, or autobiographical self) is the executive agency, and it has both a conscious and an unconscious component. The conscious component is in direct contact with the external world through the sensory apparatus for sight, sound, and touch; it is concerned with perception, reasoning, the planning of actions, and the experiencing of pleasure and pain. In their work, Hartmann, Kris, and Lowestein emphasized that this conflict-free component of the ego operates logically and is guided in its actions by the reality principle. The unconscious component of the ego is concerned with psycological defenses (repression, denial, sublimation), the mechanism whereby the ego inhibits, channels, and redirect both the sexual and the aggressive instinctual drives of the id, the second psychic agency. The id (the “it”), a term that Freud borrowed from Nietszche, is totally unconscious. It is not governed by the hedonistic principle of seeking pleasure and avoiding pain. According to Freud, represents the primitive mind of the infants and is the only mental structure present at birth. The superego, the third governor, is the unconscious moral agency, the embodiment of our aspirations. Extracted from: In the Search of Memory, Eric Kandel


Eric R. Kandel

A Nudge is the capacity to influence a decision.

{Infinite Loop} Begin;

When you get a new cell phone, for example, you have a series of choices to make. The fancier the phone, the more of this choices you face, from the background, to the ring sound, to the number of times it rings before the caller is sent to the voice mail.

The manufacturer has picked one option as the default option for each of this choices.

Research shows that whatever the default choices are, people stick with them, even when the stakes are much higher than choosing the noise your phone makes when it rings.

Two important lessons can be drawn from this research. First, never underestimate the power of inertia. Second, that power can be harnessed. If private companies or public officials think that one policy produces better outcome, they can greatly influence the outcome by choosing it as a default.

As we will…

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“I had learned from my research in Aplysia that changes in behavior are accompanied by changes in the strengh of the synapses between neurons that produce the behavior. But nothing in my research revealed how short-term memory is tranformed in long-term memory.

Indeed, nothing was known about the cellular mechanism of long-term memory.

The basis for my early research in learning and memory was the learning paradigm used by behaviorists. The behaviorists focused primarily on how knowledge was acquired and stored in short-term memory. Long-term memory did not particularly interest them.

The interest in long-term memory came from studies of human memory by the forerruners of cognitive psycology.”

Erik Kandel, In the Search for Memory

Cultural Evolution

“Memory is essential not only for the continuity of individual identity, but also for the transmission of culture and for the evolution and continuity of societies over the centuries.

Although the size and structure of the human brain have not changed since Homo sapiens first appeared in East Africa some 150,000 years ago, the learning capability of individual human beings and their historical memory have grown over centuries through shared learning–that is, through the transmission of culture.

Cultural evolution, a nonbiological mode of adaption, acts in parallel with biological evolution as the means of transmitting knowledge of the past and adaptive behavior across generations.

All human accomplishments, from antiquity to modern times, are products of a shared memory accumulated over centuries, whether through written records or through a carefully protected oral tradition.”

Eric Kandel, In the Search for Memory: The Emergence of a New Science of Mind

cultural evolution


The best time to plant a tree was twenty years ago.

–Chinese proverb

Bank 2.0

Although the Internet has become an essential part of banking and commerce for most consumers in developed economies, the channel itself is still often limited in terms of potential because it is seen primarily as a cost saving mechanism by most retail institutions.

There appears to be a widely held belief by many banking execs that while the Internet as a channel may supplement revenue, it is never going to be a serious sales or revenue channel.

However, there are various facts that absolutely contradict that assertion, if not now, in the medium term.

So the question is why do some make this assumption?

Brett King, Bank 2.0

Quality Services

The following text was extracted from the book “The Credit Union World”, by Wendell Fountain, emphasizing the significance of Quality in service provision and its basic components.

“High-quality member service is not difficult to deliver. It depends on the constraints which the employee has to operate within; those are usually imposed by management, and the attitude of the employee.

Attitude is one thing of which an employee has control. No one can take away a positive attitude; a person must be willing to give it up. If employees are taught and encouraged to follow the fundamentals, it is difficult to fall short in the member relationship management process. So much depends on training and the willingness of the trainee to internalize the significance of such a simple method. The better the training the more likely that service will be delivered properly. Members and other consumers have become so accustomed to mediocrity that excellent service is perceived to be exceptional, consumers get excited.

What credit unionists, at all levels, should want are excited members because of excellent service. Once excellent service becomes an embedded cultural process, members expect nothing less and that should be the goal of all credit union leaders and managers.

If credit unions just practice the fundamentals, by delivering excellent service, member relationship management should be a given.”

An interesting point presented in this very few lines. Basically, half the process is under influence of external factors, or physical constraints, and half is influenced by internal factors, mainly positive attitude.

I totally agree with it.

Given that a service is an intangible commodity, like computer software, what if we extrapolate this concept to software products and services?

A software program is like a living creature, it grows throw unpredictable paths while users interact with it, adding personal experience to the user interface. Some operations have to defend themselves from end-user “creativity” while others explore it as a potential value generator. So, the positive attitude might not be a matter of intelligence, sophistication or operational procedures, but also good and structured programming, well designed interfaces, rational layouts, communication and a few other nudges.

Software products has technological considerations like platform update or even structural upgrade of installed base– database, servers, networks, middleware, packages, clients, …,– as technology itself is a never ended product because Evolution never reach an end.

Add the fact that businesses are complex routines in most of the cases.
The divide to conquer approach doesn’t make thing easier, it only make things possible. For machines all things are mathematical operations, but for human intelligence, decode this assumptions in machine language is quite a challenge.

It might look that the comparison between quality service for the financial market and software products wasn’t so clear, but the point here is that complex things are derived from single activities, and this activities are basically a combination of physical constraints and positive attitude, for the best cases.



“We’ve gone from billions of years for the first steps of biological evolution (RNA) to the fast pace of technological evolution today.

The World Wide Web  emerged in only a few years, distinctly faster than say, the Cambrian explosion.

These phenomena are all part of the same evolutionary process, wich started out slowly, is now going relatively quickly, and withing a few decades will go astonishingly fast.”

Ray Kurzweil, The Singularity is near