Being in debt means using up the future in the present. Essentially, it’s about how we manage our time. Therefore, the most valuable resource for debtors is time, and it depends on which side time favors. Paying off debt is like repaying borrowed future time early. When the ability to generate wealth over time decreases, the future time becomes a burden, and the debtor faces the pain of bankruptcy. Taking on debt is costly. It may seem like borrowed money is repaid with money, but the irreplaceable resource of time is also returned along with interest. With the rise of postpaid credit cards as a common payment method, we’ve become less sensitive to the associated pain and cost. There are two ways to spend money: using present time or future time. The costs and pain are much higher when the future is spent as if it were the present. - Joseph’s “just my thoughts”
The "normal human body temperature = 37°C" standard was established in 1851 by the German medical doctor "Carl Reinhold August Wunderlich", who took millions of temperature readings from about 25,000 people and reported "36.2°C to 37.5°C". However, surveys in the United States in 1992 and the United Kingdom in 2017 found 36.8°C and 36.6°C, respectively. So in the past people deemed that the discrepancy was due to errors in old measuring equipment or methods. But Julie Parsonnet and her colleagues at Stanford University's School of Infectious Disease Epidemiology found a common thread in the temperature databases: People are cooler now than they were then. It wasn't just a measurement error. They speculated that medical advances had reduced inflammation and lowered the average temperature. We don't question the obvious. - Joseph’s “just my thoughts”