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The trade-off between bias and variance is a fundamental concept in machine learning.
"A story is the shortest distance between two people."
Aim to die broke. Give to your beneficiaries before you die; it’s more fun and useful. Spend it all. Your last check should go to the funeral home and it should bounce. 
The last of human freedoms is the ability to choose one's attitude in any given set of circumstances.
The market is a reflection of human nature, and human nature never changes.