Judge Denies Request for Delay in Trayvon Martin Case





MIAMI – A judge on Tuesday rebuffed George Zimmerman’s request for a five-month delay of his trial in the shooting death of Trayvon Martin, saying it would begin as scheduled on June 10.




“We are four months away from a trial date,” Circuit Judge Debra Nelson told defense lawyers during a contentious hearing. “I don’t see any of your issues to be insurmountable.”


The decision came on what would have been Mr. Martin’s 18th birthday, which was commemorated outside the courthouse in Sanford, Fla., with community leaders and students singing “Happy Birthday.” The brief ceremony was just one in a series of events planned to honor Mr. Martin’s birthday this week, including a community peace walk and a fund-raising event with the Martin family and the Rev. Al Sharpton.


Acknowledging Mr. Martin’s birthday at the start of the hearing, Mark O’Mara, Mr. Zimmerman’s attorney, said that “the family has a special burden to bear today” and that “no matter what, a tragedy occurred.”


Mr. O’Mara said he requested a postponement of the trial because he needed more time to prepare, and he accused prosecutors of moving slowly in making evidence and witnesses available.


“We are working hard,” Mr. O’Mara said. “We are running into an enormous amount of resistance.”


Bernie de la Rionda, the lead prosecutor in the case, disputed that characterization in court on Tuesday, saying the delays are due, in part, to Mr. O’Mara often canceling depositions at the last moment.


“That’s frustrating,” he said.


Mr. Martin died nearly a year ago, on Feb. 26, as he walked across the modest gated community in Sanford where Mr. Zimmerman served as a volunteer neighborhood watchman. Mr. Zimmerman, who is white, viewed Mr. Martin, who was black, as suspicious because of a string of recent break-ins. Mr. Zimmerman said he fired his gun at Mr. Martin only after Mr. Martin attacked him, he told the police. Mr. Martin, a Miami teenager, was unarmed.


The case cast a light on Florida’s ambiguous self-defense law, Stand Your Ground, which allows people fearing great harm to retaliate with deadly force and is the core of Mr. Zimmerman’s defense. The case provoked protests around the country over racial profiling and the initial delay in arresting and charging Mr. Zimmerman.


In court, the two sides sparred over the yet-to-be scheduled deposition of so-called Witness 8, the teenage girl who was on the phone with Mr. Martin moments before his confrontation with Mr. Zimmerman. The girl spoke with Benjamin L. Crump, the lawyer for the Martin family, on March 9 about her conversation with Mr. Martin, saying Mr. Martin told her that he was being followed by a man and that he was scared. A scuffle appeared to have broken out and the call went dead, she said.


In an affidavit submitted Tuesday, Mr. Crump said that he found Witness 8 from Mr. Martin’s cellphone records and that he interviewed her over a speaker phone because her family did not want her interviewed in person. At that time, Mr. Crump said he did not know her last name or her Miami address. Mr. Martin’s family and reporters for ABC News were in the room during the conversation. Mr. Crump said he recorded the interview with a digital recorder.


In the affidavit, Mr. Crump said he did not erase or alter any part of the recording but that occasionally he would pause the recording to put Witness 8 on hold, take a break or deal with technical issues.


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Slain Navy SEAL sniper had new book in the works


FORT WORTH, Texas (AP) — A publisher says a former top Navy SEAL sniper and best-selling author who was fatally shot at the weekend had a second book in the works.


Sharyn Rosenblum says Chris Kyle was working on "American Gun: A History of the U.S. in Ten Firearms" with co-author William Doyle. Rosenblum is a spokeswoman for publisher William Morrow.


Kyle's book, "American Sniper," written with Scott McEwen and Jim DeFelice, was released last January. As of Tuesday morning, "American Sniper" was Amazon's No. 1 seller.


Rosenblum says no release date has been set for the new book.


Kyle left the Navy in 2009 after four tours of duty in Iraq, where he earned a reputation as one of the military's most lethal snipers.


Eddie Ray Routh has been charged in Kyle's killing Saturday.


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Personal Health: Effective Addiction Treatment

Countless people addicted to drugs, alcohol or both have managed to get clean and stay clean with the help of organizations like Alcoholics Anonymous or the thousands of residential and outpatient clinics devoted to treating addiction.

But if you have failed one or more times to achieve lasting sobriety after rehab, perhaps after spending tens of thousands of dollars, you’re not alone. And chances are, it’s not your fault.

Of the 23.5 million teenagers and adults addicted to alcohol or drugs, only about 1 in 10 gets treatment, which too often fails to keep them drug-free. Many of these programs fail to use proven methods to deal with the factors that underlie addiction and set off relapse.

According to recent examinations of treatment programs, most are rooted in outdated methods rather than newer approaches shown in scientific studies to be more effective in helping people achieve and maintain addiction-free lives. People typically do more research when shopping for a new car than when seeking treatment for addiction.

A groundbreaking report published last year by the National Center on Addiction and Substance Abuse at Columbia University concluded that “the vast majority of people in need of addiction treatment do not receive anything that approximates evidence-based care.” The report added, “Only a small fraction of individuals receive interventions or treatment consistent with scientific knowledge about what works.”

The Columbia report found that most addiction treatment providers are not medical professionals and are not equipped with the knowledge, skills or credentials needed to provide the full range of evidence-based services, including medication and psychosocial therapy. The authors suggested that such insufficient care could be considered “a form of medical malpractice.”

The failings of many treatment programs — and the comprehensive therapies that have been scientifically validated but remain vastly underused — are described in an eye-opening new book, “Inside Rehab,” by Anne M. Fletcher, a science writer whose previous books include the highly acclaimed “Sober for Good.”

“There are exceptions, but of the many thousands of treatment programs out there, most use exactly the same kind of treatment you would have received in 1950, not modern scientific approaches,” A. Thomas McLellan, co-founder of the Treatment Research Institute in Philadelphia, told Ms. Fletcher.

Ms. Fletcher’s book, replete with the experiences of treated addicts, offers myriad suggestions to help patients find addiction treatments with the highest probability of success.

Often, Ms. Fletcher found, low-cost, publicly funded clinics have better-qualified therapists and better outcomes than the high-end residential centers typically used by celebrities like Britney Spears and Lindsay Lohan. Indeed, their revolving-door experiences with treatment helped prompt Ms. Fletcher’s exhaustive exploration in the first place.

In an interview, Ms. Fletcher said she wanted to inform consumers “about science-based practices that should form the basis of addiction treatment” and explode some of the myths surrounding it.

One such myth is the belief that most addicts need to go to a rehab center.

“The truth is that most people recover (1) completely on their own, (2) by attending self-help groups, and/or (3) by seeing a counselor or therapist individually,” she wrote.

Contrary to the 30-day stint typical of inpatient rehab, “people with serious substance abuse disorders commonly require care for months or even years,” she wrote. “The short-term fix mentality partially explains why so many people go back to their old habits.”

Dr. Mark Willenbring, a former director of treatment and recovery research at the National Institute for Alcohol Abuse and Alcoholism, said in an interview, “You don’t treat a chronic illness for four weeks and then send the patient to a support group. People with a chronic form of addiction need multimodal treatment that is individualized and offered continuously or intermittently for as long as they need it.”

Dr. Willenbring now practices in St. Paul, where he is creating a clinic called Alltyr “to serve as a model to demonstrate what comprehensive 21st century treatment should look like.”

“While some people are helped by one intensive round of treatment, the majority of addicts continue to need services,” Dr. Willenbring said. He cited the case of a 43-year-old woman “who has been in and out of rehab 42 times” because she never got the full range of medical and support services she needed.

Dr. Willenbring is especially distressed about patients who are treated for opioid addiction, then relapse in part because they are not given maintenance therapy with the drug Suboxone.

“We have some pretty good drugs to help people with addiction problems, but doctors don’t know how to use them,” he said. “The 12-step community doesn’t want to use relapse-prevention medication because they view it as a crutch.”

Before committing to a treatment program, Ms. Fletcher urges prospective clients or their families to do their homework. The first step, she said, is to get an independent assessment of the need for treatment, as well as the kind of treatment needed, by an expert who is not affiliated with the program you are considering.

Check on the credentials of the program’s personnel, who should have “at least a master’s degree,” Ms. Fletcher said. If the therapist is a physician, he or she should be certified by the American Board of Addiction Medicine.

Does the facility’s approach to treatment fit with your beliefs and values? If a 12-step program like A.A. is not right for you, don’t choose it just because it’s the best known approach.

Meet with the therapist who will treat you and ask what your treatment plan will be. “It should be more than movies, lectures or three-hour classes three times a week,” Ms. Fletcher said. “You should be treated by a licensed addiction counselor who will see you one-on-one. Treatment should be individualized. One size does not fit all.”

Find out if you will receive therapy for any underlying condition, like depression, or a social problem that could sabotage recovery. The National Institute on Drug Abuse states in its Principles of Drug Addiction Treatment, “To be effective, treatment must address the individual’s drug abuse and any associated medical, psychological, social, vocational, and legal problems.”

Look for programs using research-validated techniques, like cognitive behavioral therapy, which helps addicts recognize what prompts them to use drugs or alcohol, and learn to redirect their thoughts and reactions away from the abused substance.

Other validated treatment methods include Community Reinforcement and Family Training, or Craft, an approach developed by Robert J. Meyers and described in his book, “Get Your Loved One Sober,” with co-author Brenda L. Wolfe. It helps addicts adopt a lifestyle more rewarding than one filled with drugs and alcohol.

This is the first of two articles on addiction treatment.

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Bits Blog: Most Facebook Users Have Taken a Break From the Site, Study Finds

Facebook is the most popular social network in America — roughly two-thirds of adults in the country use it on a regular basis.

But that doesn’t mean they don’t get sick of it.

A new study released on Tuesday by the Pew Research Center‘s Internet and American Life Project found that 61 percent of current Facebook users admitted that they had voluntarily taken breaks from the site, for as many as several weeks at a time.

The main reason for their social media sabbaticals?

Not having enough time to dedicate to pruning their profiles, an overall decrease in their interest in the site as well as the general sentiment that Facebook was a major waste of time. About 4 percent cited privacy and security concerns as contributing to their departure. Although those users eventually resumed their regular activity, another 20 percent of Facebook users admitted to deleting their accounts.

Of course, even as some Facebook users pull back on their daily consumption of the service, the vast majority — 92 percent — of all social network users still maintain a profile on the site. But while more than than half said that the site was just as important to them as it was a year ago, only 12 percent said the site’s significance increased over the last year — indicating the makings of a much larger social media burnout across the site.

The study teases out other interesting insights, including the finding that young users are spending less time overall on the site. The report found that 42 percent of Facebook users from the ages of 18 to 29 said that the average time they spent on the site in a typical day had decreased in the last year. A much smaller portion, 23 percent, of older Facebook users, those over 50, reported a drop in Facebook usage over the same period.

Facebook’s biggest challenge revolves around figuring out how to continue to profit from its rich reservoir of one billion users — and a large part of that involves keeping them entertained and returning to the site on a regular basis. Most recently, the company introduced a tool called Graph Search, a research tool that promises to help its users find answers on everything from travel recommendations to potential jobs and even love connections.

Lee Rainie, the director of the Pew Research Center’s Internet & American Life Project, which conducted the survey, described the results as a kind of “social reckoning.”

“These data show that people are trying to make new calibrations in their life to accommodate new social tools,” said Mr. Rainie, in an e-mail. Facebook users are beginning to ask themselves, ” ‘What are my friends doing and thinking and how much does that matter to me?,’ ” he said. “They are adding up the pluses and minuses on a kind of networking balance sheet and they are trying to figure out how much they get out of connectivity vs. how much they put into it.”

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Europol Investigation Shows Fixing Is Suspected in 680 Soccer Matches





Soccer is known throughout much of the world as the beautiful game. But the sport’s ugliest side — the scourge of match-fixing — will not go away.




With next summer’s World Cup in Brazil drawing closer, a European police intelligence agency said Monday that a 19-month investigation revealed widespread occurrences of match-fixing in recent years, with nearly 700 games globally deemed suspicious. The list of matches is staggering and encompasses about 380 games in Europe, covering World Cup and European championship qualifiers, as well as Champions League games, including one match played in England.


Officials of Europol, an agency that works with countries across the continent, offered details that strike at the sport’s core: nearly $11 million in profits and nearly $3 million in bribes were discovered during the investigation, which uncovered “match-fixing activity on a scale we have not seen before,” said Rob Wainwright, the director of Europol.


Fixers typically seek to dictate a game’s result by corrupting the players or the on-field officials, and officials said Monday that roughly 425 people were under suspicion because of the investigation, with 50 people having been arrested. The scope of the investigation covered games from 2008 to 2011.


An organized crime syndicate based in Asia is believed to be the driving force behind the fixing activity, which stretches across at least 15 countries, officials said. Individual bribes were, in some instances, upward of $136,000, and fixers would place bets on the tainted matches through bookmakers in Asia. Various matches in Africa, Asia and South and Central America were identified as suspicious, though the European element of the investigation is the most significant.


“This is a sad day for European football,” Wainwright said at a news conference in the Netherlands, adding: “It is clear to us this is the biggest-ever investigation into suspected match-fixing in Europe. It has yielded major results, which we think have uncovered a big problem for the integrity of football in Europe.”


But officials at the news conference repeatedly dodged questions from reporters on how many of the 680 matches cited were previously known and how many were newly discovered.


Nor would they identify any of the teams and individuals newly linked to match-fixing, citing the need to guard the confidentiality of police procedures.


Still, the breadth of the investigation was significant, and it inspired strong reactions from global fans. Even as the news conference continued, fans took to social media to speculate on which matches might have been fixed, with a particular fascination as to what English Champions League contest drew the investigators’ scrutiny. Indeed, the notion that corruption has been identified in British soccer, home of the English Premier League, the world’s most popular grouping, will reverberate globally.


“It would be naïve and complacent of those in the U.K. to think such a criminal conspiracy does not involve the English game and all the football in Europe,” Wainwright said.


Europol and Interpol officials said an international arrest warrant had been issued for the ringleader of the Asian syndicate so that he can be extradited to Europe to face fraud and bribery charges.


Europol did not publicly identify the ringleader, but several knowledgeable law enforcement officials later said on condition of anonymity that it was a man based in Singapore known as Dan Tan. They said Tan had been implicated in match-fixing cases dating to 1999.


The conclusion of Europol’s investigation comes after a slew of high-profile incidents. Last month FIFA, the sport’s governing body, barred 41 players for fixing matches in South Korea; in December 2012 the president of the South African Football Association was suspended after FIFA determined that four exhibition matches before the 2010 World Cup had been fixed; and last summer a complex match-fixing network was discovered in Italy, rocking that country’s high-profile professional leagues.


David Jolly contributed reporting from The Hague.



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BlackBerry shares jump after Bernstein upgrades stock






TORONTO (Reuters) – Shares of BlackBerry rose more than 8 percent in on Monday after Bernstein Research said it was upgrading the stock to “outperform” after last week’s launch of the company’s new line of BlackBerry 10 smartphones.


The brokerage firm, which has not had an “outperform” rating on the stock for more than three years, also lifted its price target to $ 22 from $ 12, saying it has grown much more confident about the success of the smartphones, powered by the new BlackBerry 10 operating system.






Shares of BlackBerry, which is in the process of changing its legal name from Research In Motion, rose 8.9 percent to $ 14.18 in early Nasdaq trading. BlackBerry’s Toronto-listed shares were up 9.1 percent at C$ 14.21 at 10:30 EST.


The stock began trading under the “BBRY” symbol on Nasdaq on Monday and under the “BB” symbol on the Toronto Stock Exchange. The stock used to trade as “RIMM” on the Nasdaq and “RIM” on the TSX.


“We upgrade BlackBerry to outperform today as we believe BB 10 is set for a strong launch,” Bernstein analyst Pierre Ferragu said in a note to clients. “Even if the long-term prospects for the platform are very uncertain, we believe all is in place for BlackBerry 10 to enjoy a great debut.”


BlackBerry, a one-time pioneer in the smartphone industry, has ceded market share in recent years to the likes of Apple’s iPhone, Samsung’s Galaxy line and a slew of devices powered by Google Inc’s market-leading Android operating system.


In a make-or-break move to regain market share and return to profit, BlackBerry introduced its new line of smartphones to much fanfare on Wednesday. However, its stock fell more than 10 percent following the launch as investors were disappointed that the new smartphones will only go on sale in mid-March in the crucial U.S. market.


“The strength of this launch is overlooked by investors, creating strong opportunity to buy BlackBerry,” said Ferragu, adding that he expects strong initial corporate demand for the new devices.


“We believe BlackBerry should trade in the $ 20-$ 25 range once a decent launch for Blackberry 10 and a stabilized trajectory for fiscal year 2014 are priced in,” he said.


BlackBerry unveiled both a touch-screen device and a physical-keyboard device last week. While the traditional keyboard model only goes on sale in April, the touch-screen device is already on sale in the United Kingdom and hits store shelves in Canada this week.


Waterloo, Ontario-based BlackBerry said the U.S. launch was delayed until mid-March because U.S. wireless carriers have a longer testing phase than carriers in other countries. The devices, which are set to retail for C$ 599 ($ 600) in Canada, are currently attracting bids of more than $ 1,000 each on auction site ebay.com.


(Reporting by Euan Rocha; Editing by Lisa Von Ahn; and Peter Galloway)


Wireless News Headlines – Yahoo! News





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NFL: Beyonce not the cause of Super Bowl blackout


NEW YORK (AP) — Don't blame Beyonce for blowing the lights out at the Super Bowl.


NFL Commissioner Roger Goodell said Monday that the halftime show was not the cause of the power outage that darkened the Superdome for half an hour during Sunday's broadcast.


"There's no indication at all that this was caused by the halftime show. Absolutely not. I know that's been out there that this halftime show had something to do with it. That is not the case," Goodell said.


Beyonce was the halftime performer at Sunday night's game and used plenty of power to light up the stage. Some had joked that her electrifying performance was to blame for the outage.


But the halftime show was running on its own generator, said Goodell and Doug Thornton, a vice president of SMG, the company that manages the Superdome.


"It was not on our power grid at all," Thornton said, adding that the metered power consumption went down during halftime because the house lights were down.


Beyonce's 13-minute set included hits "Crazy in Love," ''Single Ladies (Put a Ring on It)" and a Destiny's Child reunion.


The energetic performance was sung live days after she admitted she sang to a pre-recorded track at President Barack Obama's inauguration. And it won applause from critics who called it a major improvement over Madonna, who sang to a backing track last year, and the Black Eyed Peas' much-criticized halftime show in 2011.


Afterward, Beyonce announced "The Mrs. Carter Show World Tour" will kick off April 15 in Belgrade, Serbia. The European leg of the tour will wrap up May 29 in Stockholm, Sweden.


The tour's North American stint starts June 28 in Los Angeles and ends Aug. 3 in Brooklyn, N.Y., at the Barclays Center.


It was also announced Monday that a second wave of the tour is planned for Latin America, Australia and Asia later this year.


___


Brett Martell contributed to this report from New Orleans.


___


Online:


http://www.beyonceonline.com/us/home


___


Follow Mesfin Fekadu on Twitter at http://twitter.com/MusicMesfin


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Recipes for Health: Quick One-Dish Meals, Some Cooking Required — Recipes for Health


Andrew Scrivani for The New York Times







This week, in response to readers’ requests on the Recipes for Health Facebook page, I focused on quick one-dish dinners. You may have a different opinion than I do about what constitutes a quick meal. There are quick meals that involve little or no cooking – paninis and sandwiches, uncomplicated omelets, scrambled eggs, and meals that combine prepared items with foods that you cook -- but I chose to focus on dishes that are made from scratch. I bought a cabbage and a generous bunch of kale at the farmers’ market, some sliced mushrooms and bagged baby spinach at Trader Joe’s, and used them in conjunction with items I had on hand in the pantry and refrigerator.




I decided to use the same rule of thumb that a close French friend uses. She refuses to spend more than a half hour on prep but always turns out spectacular dinners and lunches. My goal was to make one-dish meals that would put us at the table no more than 45 minutes after I started cooking (the soup this week went over by 5 or 10 minutes but I left it in because it is so good). For each recipe test I set the timer for 30 minutes, then let it count up once it went off. All of the meals are vegetarian and the only prepared foods I used were canned beans.


I do believe that it is healthy – and enjoyable -- to take time to prepare meals for the family (or just for yourself), even when you are juggling one child’s afterschool soccer practice and homework with another child’s dance recitals and homework. Sometimes it is hard to find that half hour, but everybody benefits when you do.


Soft Black Bean Tacos With Salsa and Cabbage


Canned black beans and lots of cabbage combine in a quick, utterly satisfying one-dish taco dinner. They can be served open-faced or folded over.


1 tablespoon canola or grape seed oil


1 teaspoon medium-hot chili powder (more to taste)


1 teaspoon ground lightly toasted cumin seeds (more to taste)


2 cans black beans, with liquid


Salt to taste


8 corn tortillas


1 cup fresh or bottled salsa*


3 ounces either queso fresco, feta, or sharp cheddar, grated or crumbled


2 cups shredded cabbage


*Make fresh salsa with 2 or 3 chopped roma tomatoes, 1 or 2 jalapeños or serrano chiles, a little chopped onion or shallot if desired, salt, a squeeze of lime juice, and chopped fresh cilantro


1. Heat the oil in a large, heavy skillet over medium-high heat and add the chili powder and ground cumin. Allow the spices to sizzle for about half a minute, until very fragrant, and stir in the black beans and 1/2 cup water. Cook, stirring and mashing the beans with the back of your spoon, for 5 to 10 minutes, until thick and fragrant. Be careful that you don’t let the beans dry out too much. If they do, add a little more water. Remove from the heat.


2. Heat the tortillas, two or three at a time, in a dry skillet over medium-high heat, or in a microwave. Top with the black beans, salsa, cheese and cabbage. Fold the filled tortillas over if desired and serve. Alternatively, one at a time, place a tortilla on a plate, top with the beans and cheese and heat through for 30 seconds to a minute in a microwave. Then top with salsa and a generous handful of cabbage, and serve.


Yield: Serves 4


Advance preparation: The refried black beans will keep for three days in the refrigerator. You will have to moisten and thin them out with water when you reheat them.


Nutritional information per serving: 398 calories; 11 grams fat; 3 grams saturated fat; 3 grams polyunsaturated fat; 4 grams monounsaturated fat; 15 milligrams cholesterol; 56 grams carbohydrates; 13 gram dietary fiber; 887 milligrams sodium (does not include salt to taste); 17 grams protein


Martha Rose Shulman is the author of “The Very Best of Recipes for Health.”


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Bucks Blog: The Question You Should Be Asking About the Stock Market

Carl Richards is a financial planner in Park City, Utah, and is the director of investor education at the BAM Alliance. His book, “The Behavior Gap,” was published last year. His sketches are archived on the Bucks blog.

With the stock market up more than 100 percent from those scary days in early 2009 and up 16 percent in 2012 alone, we’re now hearing plenty about how small investors are getting back into the market. Andrew Wilkinson, the chief economic strategist at Miller Tabak Associates, referred to it as a “a real sea change in investor outlook.”

It seems we’re in danger of repeating the same old cycle of swearing off stocks forever during scary markets, missing a huge rally and then deciding it’s time to buy when stocks are high again. On the flip side, I’ve had a number of conversations with Main Street investors who are asking if now is the time to sell because the Dow Jones Industrial Average is hovering near 14,000 and the S&P 500 stock index is around 1,500 again.

So which one is it? Should everyday investors be buying or selling?

Do you see the problem here?

If we’re investing based on what the market has done, it’s a recipe for disaster. Recent market performance tells us almost nothing useful about what the market will do in the near future. Logically it seems like it should, but a quick review of the market’s performance during the last six years should be evidence enough to convince us that it doesn’t.

Remember how you felt in March, 2009? I bet you didn’t feel like investing, and you weren’t alone. Almost no one did. It was a scary time. But it turns out that it would have been a brilliant time to invest. Again, not because of what the market had done, but what it was about to do.

But there was no way to know that in March 2009.

Did anyone expect (or feel) like 2012 was going to turn into a 16 percent year? In fact, almost all the unfortunate souls that make their living predicting the markets got 2012 wrong.

Here’s the thing we need to remember: we have no idea if now is the time to be buying or selling. But the good news is that it’s not even the question we should be asking. Instead we should be asking, “How can we avoid making the big behavioral mistake of selling low and buying high (again!) in the future?”

Instead of worrying about getting in or out of the market at the right time, take that time to focus on crafting a portfolio based on your goals. Start by taking out a piece of paper and writing a personal investment policy statement that addresses the following:

  1. Why are you investing this money in the first place? What are your goals?
  2. How much do you need in cash, bonds and stocks to give you the best chance of meeting those goals while taking the least amount of risk?
  3. What actual investments will you buy to populate that plan and why? Make sure you address issues like diversification and expenses.
  4. How often will you revisit this plan to make sure you’re doing what you said you would do and to make changes to your investments to get them back in line with what you said in number 2?

A personal investment policy statement can be one of the most important guardrails against the emotional investment decisions that we all regret in hindsight. So, when you get worried about the markets and are tempted to sell everything you own that has anything to do with stocks, go back to that piece of paper. If your goals haven’t changed, forget about it.

And when you get excited about that initial public offering that your brother-in-law says he can “get you in on,” pull out that piece of paper. If your goals haven’t changed, forget about it.

When your neighbors are all wrapped up in how the latest apocalypse du jour is going to ruin everyone’s retirement, pull out that piece of paper. If your goals haven’t changed, forget about it.

I know this might not work all the time. In fact, it might not work at all when we’re scared and dead set on getting out. But my hope is that having something we wrote when we weren’t scared will give us a little time to pause and ask a few questions before we do something that might end up being a mistake.

As a result, maybe, just maybe, we can shift the focus away from whether now is the right time to buy or sell and place it squarely on whether that decision fits into our own, personal investment plans.

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Study Discovers Internal Trigger for the Previously Fearless


In the past few years, scientists have learned a lot about fear from a woman who could not experience it. A rare illness had damaged a part of her brain known as the amygdala and left her eerily unafraid.


Both in experiments and in life, the woman, known as SM, showed no fear of scary movies, snakes, spiders, or very real domestic assaults, death threats and robberies at knife and gunpoint.


Although she lived in an area “replete with crime, drugs, and danger,” according to an earlier study, without a functioning amygdala, an evolutionarily ancient part of the brain long known to process fear, nothing scared her.


But recently SM had a panic attack. And the simple fact that she was able to know fear without a working amygdala, experts say, illuminates some of the brain’s most fundamental processes and may have practical value in the study of panic attacks.


SM’s moments of fear occurred during an experiment that involved inhaling carbon dioxide through a mask in amounts that are not harmful but create a momentary feeling of suffocation. Not only SM, but two other women, identified as AM and BG, identical twins with amygdala damage similar to SM’s, showed all the physical symptoms of panic, and reported that, to their surprise, they felt intense fear.


The researchers, who report on the experiment in the current issue of Nature Neuroscience, had hypothesized that SM would not panic. John A. Wemmie, a neuroscientist at the University of Iowa and the senior author of the paper, said, “We saw the exact opposite.”


Antonio Damasio, of the University of Southern California, who had worked with SM and some of the researchers involved in this study on previous papers, but did not participate in this research, said he was delighted with the results, because it confirmed his own thinking that while the amygdala was central to fear generated by external threats, there was a different brain path that produced the feeling of fear generated by internal bodily experiences like a heart attack. This idea was put forth in a 2011 paper about SM on which he was a co-author.


“I think it’s a very interesting and important result,” he said


Dr. Joseph E. LeDoux, of New York University, who has extensively studied the amygdala but was not involved in the research, said in an e-mail, “This is a novel and important paper” in an area where there is much left to learn. He said scientists still did not understand “how the brain creates a conscious experience of fear” whether the amygdala or other systems are involved.


SM scores in the normal range on IQ and other tests, and voluntarily participated in this and earlier studies, all of which showed her lacking in any sort of fear response until now. In one, for example, she walked through a Halloween haunted house and never gasped, recoiled or screamed, as others did, when a person in a costume leaped out of the dark. She also did not seem to learn fear from life experiences.


So what was so unusual about carbon dioxide?


The answer seems to lie in the way the brain monitors disturbances in the world outside the body -- snakes and robbers -- compared with the way it monitors trouble inside the body -- hunger, heart attacks, the feeling of not being able to breathe. External threats clearly are processed by the amygdala. But she had never been tested for internal signals of trouble.


In the experiment SM and others participated in, they took one deep breath with plenty of oxygen but much more carbon dioxide than air usually contains. Humans are actually not sensitive to how much oxygen they are breathing, but to how much carbon dioxide is accumulating in the body, since it builds up quickly when one can’t breathe. The sensation is familiar to anyone who has tried to hold their breath.


The researchers suggest that excess carbon dioxide produces signals that may be picked up in the brainstem and elsewhere, activating a fear-generating system in the brain that a venomous snake or a mugger with a gun would not trigger.


One puzzling aspect of the results is that SM and the two other women all reacted so strongly. Among people with normal brains, only those with panic disorder are reliably terrified in carbon dioxide experiments. Most people are not so susceptible, suggesting, said Colin Buzza, a co-author of the study and a medical student at the University of Iowa’s Carver College of Medicine, that perhaps the amygdala is not functioning properly in eople with panic disorder.


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