I’m torn on how to approach the idea of luck. I’m the first to admit that I am one of the luckiest people on the planet. To be born into a prosperous American family in 1960 with smart parents is to start life on third base. The odds against my very existence are astronomical.

I’ve always felt that the luckiest people I know had a talent for recognizing circumstances, not of their own making, that were conducive to a favorable outcome and their ability to quickly take advantage of them.
In other words, dumb luck was just that, it required no awareness on the person’s part, whereas “smart” luck involved awareness followed by action before the circumstances changed.
So, was I “lucky” to be born when I was—nothing I had any control over—and that I came of age just as huge databases and computers were advancing to the point where I could use those tools to write “What Works on Wall Street?” Absolutely.
Was I lucky to start my stock market investments near the peak of interest rates which allowed me to spend the majority of my adult life in a falling rate environment? Yup.
But these favorable conditions would have been meaningless if I hadn’t fought hard to get the data for my book, or if I had allowed the conventional wisdom of my youth sour me on the stock market.
For those too young to remember, everyone HATED the stock market for most of the 1980s and much of the 1990s. In the early 80’s, all the “smart” folks were going into real estate and hard assets.
Stocks were for losers. It wasn’t until the late 90s that everyone loved the stock market.

So, yes, circumstances were nearly ideal for me to succeed as a stock market investor and author, but I needed to actively decide to take advantage of them.
And I’ve also experienced and understand being in the right place at the right time and yet making the wrong choice. In 1999, I founded an online investment advisor called Netfolio. It was one of the first robo-advisors.
In early 2000, we got a ridiculous offer from one of Wall Street’s largest investment banks that would have made everyone associated with Netfolio crazy rich, and I said no.
Even at the time I realized how incredibly lucky I was to get the offer, but I failed to grab it. I failed to take advantage of the wonderful spot Karma had placed me in and passed on the deal.
In other words, I failed to act when the rare, favorable and lucky circumstances were at hand. Had I done so, I’m sure that there would have been many people attributing my incredible luck to skill on my part. I’m pretty sure I would have attributed my luck to skill too.
Yet I don’t regret the experience because on reflection, it provided me with a really good understanding of the role of luck. The writer Damon Runyon said “The race may not always be to the swift nor the victory to the strong, but that's the way to bet.”
I agree. Having been on both sides of luck, I think luck is bound up in many outcomes in life yet it is how you react and play the hand that determines how lucky you will be.
People who have the ability to suss out potentially random favorable circumstances and jump in to take advantage of them, will, in my opinion, end up being “luckier” than those who can’t.
I’ve always loved Carl Orff’s “Carmina Burana", which is based on a series of medieval poems about the cruelty of fate. The first, “O Fortuna”, has some cool lyrics. It’s in Latin, and because it’s been a long time since I took Latin, here are the opening lyrics in English:
O Fortune, like the moon
You are changeable, ever waxing, ever waning;
Hateful life
First oppresses and then soothes as fact takes it;
Poverty and power
It melts the like ice.
You can follow and listen to the slightly different version here: https://t.co/Rfkd3cEKCG
The point being, we humans have been alternately blaming and praising fate for our condition in life forever.
I think that having an open mind and looking for potentially unusual (i.e., lucky) circumstances and then acting quickly to take advantage of them is the key to being luckier than the average person.
Finally, I think we are all lucky to have @morganhousel in our life to make us think more about things and never take anything for granted. Thanks Morgan, for reminding me how lucky I am.

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कुंडली में 12 भाव होते हैं। कैसे ज्योतिष द्वारा रोग के आंकलन करते समय कुंडली के विभिन्न भावों से गणना करते हैं आज इस पर चर्चा करेंगे।
कुण्डली को कालपुरुष की संज्ञा देकर इसमें शरीर के अंगों को स्थापित कर उनसे रोग, रोगेश, रोग को बढ़ाने घटाने वाले ग्रह


रोग की स्थिति में उत्प्रेरक का कार्य करने वाले ग्रह, आयुर्वेदिक/ऐलोपैथी/होमियोपैथी में से कौन कारगर होगा इसका आँकलन, रक्त विकार, रक्त और आपरेशन की स्थिति, कौन सा आंतरिक या बाहरी अंग प्रभावित होगा इत्यादि गणना करने में कुंडली का प्रयोग किया जाता है।


मेडिकल ज्योतिष में आज के समय में Dr. K. S. Charak का नाम निर्विवाद रूप से प्रथम स्थान रखता है। उनकी लिखी कई पुस्तकें आज इस क्षेत्र में नए ज्योतिषों का मार्गदर्शन कर रही हैं।
प्रथम भाव -
इस भाव से हम व्यक्ति की रोगप्रतिरोधक क्षमता, सिर, मष्तिस्क का विचार करते हैं।


द्वितीय भाव-
दाहिना नेत्र, मुख, वाणी, नाक, गर्दन व गले के ऊपरी भाग का विचार होता है।
तृतीय भाव-
अस्थि, गला,कान, हाथ, कंधे व छाती के आंतरिक अंगों का शुरुआती भाग इत्यादि।

चतुर्थ भाव- छाती व इसके आंतरिक अंग, जातक की मानसिक स्थिति/प्रकृति, स्तन आदि की गणना की जाती है


पंचम भाव-
जातक की बुद्धि व उसकी तीव्रता,पीठ, पसलियां,पेट, हृदय की स्थिति आंकलन में प्रयोग होता है।

षष्ठ भाव-
रोग भाव कहा जाता है। कुंडली मे इसके तत्कालिक भाव स्वामी, कालपुरुष कुंडली के स्वामी, दृष्टि संबंध, रोगेश की स्थिति, रोगेश के नक्षत्र औऱ रोगेश व भाव की डिग्री इत्यादि।

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A common misunderstanding about Agile and “Big Design Up Front”:

There’s nothing in the Agile Manifesto or Principles that states you should never have any idea what you’re trying to build.

You’re allowed to think about a desired outcome from the beginning.

It’s not Big Design Up Front if you do in-depth research to understand the user’s problem.

It’s not BDUF if you spend detailed time learning who needs this thing and why they need it.

It’s not BDUF if you help every team member know what success looks like.

Agile is about reducing risk.

It’s not Agile if you increase risk by starting your sprints with complete ignorance.

It’s not Agile if you don’t research.

Don’t make the mistake of shutting down critical understanding by labeling it Bg Design Up Front.

It would be a mistake to assume this research should only be done by designers and researchers.

Product management and developers also need to be out with the team, conducting the research.

Shared Understanding is the key objective


Big Design Up Front is a thing to avoid.

Defining all the functionality before coding is BDUF.

Drawing every screen and every pixel is BDUF.

Promising functionality (or delivery dates) to customers before development starts is BDUF.

These things shouldn’t happen in Agile.