Currencies Real Time Quotes

The night before brain surgery, I thought about death. I searched out my larger values, and I asked myself, if I was going to die, did I want to do it fighting and clawing or in peaceful surrender? What sort of character did I hope to show? Was I content with myself and what I had done with my life so far? I decided that I was essentially a good person, although I could have been better--but at the same time I understood that the cancer didn't care. I asked myself what I believed. I had never prayed a lot. I hoped hard, I wished hard, but I didn't pray. I had developed a certain distrust of organized religion growing up, but I felt I had the capacity to be a spiritual person, and to hold some fervent beliefs. Quite simply, I believed I had a responsibility to be a good person, and that meant fair, honest, hardworking, and honorable. If I did that, if I was good to my family, true to my friends, if I gave back to my community or to some cause, if I wasn't a liar, a cheat, or a thief, then I believed that should be enough. At the end of the day, if there was indeed some Body or presence standing there to judge me, I hoped I would be judged on whether I had lived a true life, not on whether I believed in a certain book, or whether I'd been baptized. If there was indeed a God at the end of my days, I hoped he didn't say, 'But you were never a Christian, so you're going the other way from heaven.' If so, I was going to reply, 'You know what? You're right. Fine.' I believed, too, in the doctors and the medicine and the surgeries--I believed in that. I believed in them. A person like Dr. Einhorn [his oncologist], that's someone to believe in, I thought, a person with the mind to develop an experimental treatment 20 years ago that now could save my life. I believed in the hard currency of his intelligence and his research. Beyond that, I had no idea where to draw the line between spiritual belief and science. But I knew this much: I believed in belief, for its own shining sake. To believe in the face of utter hopelessness, every article of evidence to the contrary, to ignore apparent catastrophe--what other choice was there? We do it every day, I realized. We are so much stronger than we imagine, and belief is one of the most valiant and long-lived human characteristics. To believe, when all along we humans know that nothing can cure the briefness of this life, that there is no remedy for our basic mortality, that is a form of bravery. To continue believing in yourself, believing in the doctors, believing in the treatment, believing in whatever I chose to believe in, that was the most important thing, I decided. It had to be. Without belief, we would be left with nothing but an overwhelming doom, every single day. And it will beat you. I didn't fully see, until the cancer, how we fight every day against the creeping negatives of the world, how we struggle daily against the slow lapping of cynicism. Dispiritedness and disappointment, these were the real perils of life, not some sudden illness or cataclysmic millennium doomsday. I knew now why people fear cancer: because it is a slow and inevitable death, it is the very definition of cynicism and loss of spirit. So, I believed.

Reclaiming ourselves usually means coming to recognize and accept that we have in us both sides of everything. We are capable of fear and courage, generosity and selfishness, vulnerability and strength. These things do not cancel each other out but offer us a full range of power and response to life. Life is as complex as we are. Sometimes our vulnerability is our strength, our fear develops our courage, and our woundedness is the road to our integrity. It is not an either/or world. It is a real world. In calling ourselves "heads" or "tails," we may never own and spend our human currency, the pure gold of which our coin is made. But judgment may heal over time. One of the blessings of growing older is the discovery that many of the things I once believed to be my shortcomings have turned out in the long run to be my strengths, and other things of which I was unduly proud have revealed themselves in the end to be among my shortcomings. Things that I have hidden from others for years turn out to be the anchor and enrichment of my middle age. What a blessing it is to outlive your self-judgments and harvest your failures.

Energy, not time, is the main currency in high performance.

It is easy to mourn the lives we aren’t living. Easy to wish we’d developed other talents, said yes to different offers. Easy to wish we’d worked harder, loved better, handled our finances more astutely, been more popular, stayed in the band, gone to Australia, said yes to the coffee or done more bloody yoga. It takes no effort to miss the friends we didn’t make and the work we didn’t do and the people we didn’t marry and the children we didn’t have. It is not difficult to see yourself through the lens of other people, and to wish you were all the different kaleidoscopic versions of you they wanted you to be. It is easy to regret, and keep regretting, ad infinitum, until our time runs out. But it is not the lives we regret not living that are the real problem. It is the regret itself. It’s the regret that makes us shrivel and wither and feel like our own and other people’s worst enemy. We can’t tell if any of those other versions would have been better or worse. Those lives are happening, it is true, but you are happening as well, and that is the happening we have to focus on. Of course, we can’t visit every place or meet every person or do every job, yet most of what we’d feel in any life is still available. We don’t have to play every game to know what winning feels like. We don’t have to hear every piece of music in the world to understand music. We don’t have to have tried every variety of grape from every vineyard to know the pleasure of wine. Love and laughter and fear and pain are universal currencies. We just have to close our eyes and savour the taste of the drink in front of us and listen to the song as it plays. We are as completely and utterly alive as we are in any other life and have access to the same emotional spectrum. We only need to be one person. We only need to feel one existence. We don’t have to do everything in order to be everything, because we are already infinite. While we are alive we always contain a future of multifarious possibility. So let’s be kind to the people in our own existence. Let’s occasionally look up from the spot in which we are because, wherever we happen to be standing, the sky above goes on for ever. Yesterday I knew I had no future, and that it was impossible for me to accept my life as it is now. And yet today, that same messy life seems full of hope. Potential. The impossible, I suppose, happens via living. Will my life be miraculously free from pain, despair, grief, heartbreak, hardship, loneliness, depression? No. But do I want to live? Yes. Yes. A thousand times, yes.

Three tendencies can be observed in the estimation of dreams. Many philosophers have given currency to one of these tendencies, one which at the same time preserves something of the dream's former over-valuation. The foundation of dream life is for them a peculiar state of psychical activity, which they even celebrate as elevation to some higher state. Schubert, for instance, claims: "The dream is the liberation of the spirit from the pressure of external nature, a detachment of the soul from the fetters of matter." Not all go so far as this, but many maintain that dreams have their origin in real spiritual excitations, and are the outward manifestations of spiritual powers whose free movements have been hampered during the day ("Dream Phantasies," Scherner, Volkelt). A large number of observers acknowledge that dream life is capable of extraordinary achievements—at any rate, in certain fields ("Memory").

as the public realized that an excess of paper currency creates no real wealth, only inflation.

The real currency of your life is effort, best measured in the extra time you put in.

Think you're too busy for another project? Whether busy or not, ask yourself, "Do I have the right balance of joy, money, and flow in my life?" If you want an outcome different from the one your current path is leading to, somehow you'll have to find the time. Being too busy may be the new social currency, but the real winners find time to do what matters to them.

I do not go to church. I don’t go to Christian church or Jew church or any other church. I don’t go to church at all. Not ever. A perfect Sunday for me is spent drinking green tea while reading the Sunday New York Times. Yikes! Why don’t I just turn in my Al-Qaeda membership form and call it a day? As if that wasn’t bad enough, not only do I not go to church: I don’t believe in God. How can I say the Pledge of Allegiance if I don’t believe in God? How can I spend our American currency which pledges “In God We Trust?” How can I swear to tell the truth, the whole truth, so help me God? Answer: I can’t. It’s a real problem. Don’t get me wrong – I’d like to believe in God. I wish I did, especially if He was the kind of God that thought America was #1. But I don’t, which to many people is the same as not believing in America. Up until recently, I thought those people were lunatics.

Speaking to a foreigner was the dream of every student, and my opportunity came at last. When I got back from my trip down the Yangtze, I learned that my year was being sent in October to a port in the south called Zhanjiang to practice our English with foreign sailors. I was thrilled. Zhanjiang was about 75 miles from Chengdu, a journey of two days and two nights by rail. It was the southernmost large port in China, and quite near the Vietnamese border. It felt like a foreign country, with turn-of-the-century colonial-style buildings, pastiche Romanesque arches, rose windows, and large verandas with colorful parasols. The local people spoke Cantonese, which was almost a foreign language. The air smelled of the unfamiliar sea, exotic tropical vegetation, and an altogether bigger world. But my excitement at being there was constantly doused by frustration. We were accompanied by a political supervisor and three lecturers, who decided that, although we were staying only a mile from the sea, we were not to be allowed anywhere near it. The harbor itself was closed to outsiders, for fear of 'sabotage' or defection. We were told that a student from Guangzhou had managed to stow away once in a cargo steamer, not realizing that the hold would be sealed for weeks, by which time he had perished. We had to restrict our movements to a clearly defined area of a few blocks around our residence. Regulations like these were part of our daily life, but they never failed to infuriate me. One day I was seized by an absolute compulsion to get out. I faked illness and got permission to go to a hospital in the middle of the city. I wandered the streets desperately trying to spot the sea, without success. The local people were unhelpful: they did not like non-Cantonese speakers, and refused to understand me. We stayed in the port for three weeks, and only once were we allowed, as a special treat, to go to an island to see the ocean. As the point of being there was to talk to the sailors, we were organized into small groups to take turns working in the two places they were allowed to frequent: the Friendship Store, which sold goods for hard currency, and the Sailors' Club, which had a bar, a restaurant, a billiards room, and a ping-pong room. There were strict rules about how we could talk to the sailors. We were not allowed to speak to them alone, except for brief exchanges over the counter of the Friendship Store. If we were asked our names and addresses, under no circumstances were we to give our real ones. We all prepared a false name and a nonexistent address. After every conversation, we had to write a detailed report of what had been said which was standard practice for anyone who had contact with foreigners. We were warned over and over again about the importance of observing 'discipline in foreign contacts' (she waifi-lu). Otherwise, we were told, not only would we get into serious trouble, other students would be banned from coming.

Social networking technology allows us to spend our time engaged in a hypercompetitive struggle for attention, for victories in the currency of “likes.” People are given more occasions to be self-promoters, to embrace the characteristics of celebrity, to manage their own image, to Snapchat out their selfies in ways that they hope will impress and please the world. This technology creates a culture in which people turn into little brand managers, using Facebook, Twitter, text messages, and Instagram to create a falsely upbeat, slightly overexuberant, external self that can be famous first in a small sphere and then, with luck, in a large one. The manager of this self measures success by the flow of responses it gets. The social media maven spends his or her time creating a self-caricature, a much happier and more photogenic version of real life. People subtly start comparing themselves to other people’s highlight reels, and of course they feel inferior.

America has, in fact, run trade deficits large enough to wipe out its gold hoard under the old rules of the game. Still, the idea of the gold standard was not to deplete nations of gold, but rather to force them to get their financial house in order long before the gold disappeared. In the absence of a gold standard and the real-time adjustments it causes, the American people seem unaware of how badly U.S. finances have actually deteriorated.

Why two (or whole groups) of people can come up with the same story or idea at the same time, even when across the world from each-other: "A field is a region of influence, where a force will influence objects at a distance with nothing in between. We and our universe live in a Quantum sea of light. Scientists have found that the real currency of the universe is an exchange of energy. Life radiates light, even when grown in the dark. Creation takes place amidst a background sea of energy, which metaphysics might call the Force, and scientists call the "Field." (Officially the Zero Point Field) There is no empty space, even the darkest empty space is actually a cauldron of energies. Matter is simply concentrations of this energy (particles are just little knots of energy.) All life is energy (light) interacting. The universe is self-regenreating and eternal, constantly refreshing itself and in touch with every other part of itself instantaneously. Everything in it is giving, exchanging and interacting with energy, coming in and out of existence at every level. The self has a field of influence on the world and visa versa based on this energy. Biology has more and more been determined a quantum process, and consciousness as well, functions at the quantum level (connected to a universe of energy that underlies and connects everything). Scientist Walter Schempp's showed that long and short term memory is stored not in our brain but in this "Field" of energy or light that pervades and creates the universe and world we live in. A number of scientists since him would go on to argue that the brain is simply the retrieval and read-out mechanism of the ultimate storage medium - the Field. Associates from Japan would hypothesize that what we think of as memory is simply a coherent emission of signals from the "Field," and that longer memories are a structured grouping of this wave information. If this were true, it would explain why one tiny association often triggers a riot of sights, sounds and smells. It would also explain why, with long-term memory in particular, recall is instantaneous and doesn't require any scanning mechanism to sift through years and years of memory. If they are correct, our brain is not a storage medium but a receiving mechanism in every sense, and memory is simply a distant cousin of perception. Some scientists went as far as to suggest that all of our higher cognitive processes result from an interaction with the Field. This kind of constant interaction might account for intuition or creativity - and how ideas come to us in bursts of insight, sometimes in fragments but often as a miraculous whole. An intuitive leap might simply be a sudden coalescence of coherence in the Field. The fact that the human body was exchanging information with a mutable field of quantum fluctuation suggested something profound about the world. It hinted at human capabilities for knowledge and communication far deeper and more extended than we presently understand. It also blurred the boundary lines of our individuality - our very sense of separateness. If living things boil down to charged particles interacting with a Field and sending out and receiving quantum information, where did we end and the rest of the world began? Where was consciousness-encased inside our bodies or out there in the Field? Indeed, there was no more 'out there' if we and the rest of the world were so intrinsically interconnected. In ignoring the effect of the "Field" modern physicists set mankind back, by eliminating the possibility of interconnectedness and obscuring a scientific explanation for many kinds of miracles. In re-normalizing their equations (to leave this part out) what they'd been doing was a little like subtracting God.

From the time I was about five, my parents began to feel real pressure to teach me the rules. They were never abusive or violent or unkind about it, but I was a smart, more-emotionally-intelligent-than-average kid, so they didn’t have to be. All it took to curtail my feminine behavior was the slightest look of disappointment when I reached for the “wrong” item of clothing in the dress-up bin, or the subtlest hesitancy when I asked if I could get another Barbie set for Christmas. The smallest gestures and emotions became significant currency. As soon as I was old enough to perceive gender policing, I began to abide by what it told me to do. When I enrolled in preschool, things got worse. While my parents policed my gender gently, my peers at school were ruthless.

Right now, over 90 percent of the world’s currency is digital. It exists as a numeric concept: Money has value only because we agree that it’s valuable. The value is illusory and dependent on our collective willingness to agree that the illusion is real. And for that illusion to work in perpetuity, money needs to be somewhat finite. If it were possible for a random citizen to flawlessly photocopy a $1 bill ten thousand times, it would not create ten thousand new dollars of equal value. It would imperceptibly devalue all available currency, and if fourteen thousand people did the same thing every minute, the perceived value of a $1 bill would microscope to nothing. This is what file sharing did to music. Napster did not make people like songs less. It probably made people like songs more. But it turned the larger concept of music into an abstraction that signified less.

It is easy to mourn the lives we aren't living. Easy to wish we'd developed other other talents, said yes to different offers. Easy to wish we'd worked harder, loved better, handled our finances more astutely, been more popular, stayed in the band, gone to Australia, said yes to the coffee or done more bloody yoga. It takes no effort to miss the friends we didn't make and the work we didn't do and the people we didn't marry and the children we didn't have. It is not difficult to see yourself through the lens of other people, and to wish you were all the different kaleidoscopic versions of you they wanted you to be. It is easy to regret, and keep regretting, ad infinitum, until our time runs out. But it is not lives we regret not living that are the real problem. It is the regret itself. It's the regret that makes us shrivel and wither and feel like our own and other people's worst enemy. We can't tell if any of those other versions would of been better or worse. Those lives are happening, it is true, but you are happening as well, and that is the happening we have to focus on. Of course, we can't visit every place or meet every person or do every job, yet most of what we feel in any other life is still available. We don't have to play every game to know what winning feels like. We don't have to hear every piece of music in the world to understand music. We don't have to have tried every variety of grape from every vineyard to know the pleasure of wine. Love and laughter and fear and pain are universal currencies. We just have to close our eyes and savor the taste of the drink in front of us and listen to the song as it plays.

Professor Joseph Stiglitz, former Chief Economist of the World Bank, and former Chairman of President Clinton's Council of Economic Advisers, goes public over the World Bank’s, “Four Step Strategy,” which is designed to enslave nations to the bankers. I summarise this below, 1. Privatisation. This is actually where national leaders are offered 10% commissions to their secret Swiss bank accounts in exchange for them trimming a few billion dollars off the sale price of national assets. Bribery and corruption, pure and simple. 2. Capital Market Liberalization. This is the repealing any laws that taxes money going over its borders. Stiglitz calls this the, “hot money,” cycle. Initially cash comes in from abroad to speculate in real estate and currency, then when the economy in that country starts to look promising, this outside wealth is pulled straight out again, causing the economy to collapse. The nation then requires International Monetary Fund (IMF) help and the IMF provides it under the pretext that they raise interest rates anywhere from 30% to 80%. This happened in Indonesia and Brazil, also in other Asian and Latin American nations. These higher interest rates consequently impoverish a country, demolishing property values, savaging industrial production and draining national treasuries. 3. Market Based Pricing. This is where the prices of food, water and domestic gas are raised which predictably leads to social unrest in the respective nation, now more commonly referred to as, “IMF Riots.” These riots cause the flight of capital and government bankruptcies. This benefits the foreign corporations as the nations remaining assets can be purchased at rock bottom prices. 4. Free Trade. This is where international corporations burst into Asia, Latin America and Africa, whilst at the same time Europe and America barricade their own markets against third world agriculture. They also impose extortionate tariffs which these countries have to pay for branded pharmaceuticals, causing soaring rates in death and disease.

It is easy to mourn the lives we aren’t living. Easy to wish we’d developed other talents, said yes to different offers. Easy to wish we’d worked harder, loved better, handled our finances more astutely, been more popular, stayed in the band, gone to Australia, said yes to the coffee or done more bloody yoga. It takes no effort to miss the friends we didn’t make and the work we didn’t do and the people we didn’t marry and the children we didn’t have. It is not difficult to see yourself through the lens of other people, and to wish you were all the different kaleidoscopic versions of you they wanted you to be. It is easy to regret, and keep regretting, ad infinitum, until our time runs out. But it is not the lives we regret not living that are the real problem. It is the regret itself. It’s the regret that makes us shrivel and wither and feel like our own and other people’s worst enemy. We can’t tell if any of those other versions would have been better or worse. Those lives are happening, it is true, but you are happening as well, and that is the happening we have to focus on. Of course, we can’t visit every place or meet every person or do every job, yet most of what we’d feel in any life is still available. We don’t have to play every game to know what winning feels like. We don’t have to hear every piece of music in the world to understand music. We don’t have to have tried every variety of grape from every vineyard to know the pleasure of wine. Love and laughter and fear and pain are universal currencies. We just have to close our eyes and savour the taste of the drink in front of us and listen to the song as it plays. We are as completely and utterly alive as we are in any other life and have access to the same emotional spectrum. We only need to be one person. We only need to feel one existence. We don’t have to do everything in order to be everything, because we are already infinite. While we are alive we always contain a future of multifarious possibility. So let’s be kind to the people in our own existence. Let’s occasionally look up from the spot in which we are because, wherever we happen to be standing, the sky above goes on for ever.

Learning to meditate helped too. When the Beatles visited India in 1968 to study Transcendental Meditation at the ashram of Maharishi Mahesh Yogi, I was curious to learn it, so I did. I loved it. Meditation has benefited me hugely throughout my life because it produces a calm open-mindedness that allows me to think more clearly and creatively. I majored in finance in college because of my love for the markets and because that major had no foreign language requirement—so it allowed me to learn what I was interested in, both inside and outside class. I learned a lot about commodity futures from a very interesting classmate, a Vietnam veteran quite a bit older than me. Commodities were attractive because they could be traded with very low margin requirements, meaning I could leverage the limited amount of money I had to invest. If I could make winning decisions, which I planned to do, I could borrow more to make more. Stock, bond, and currency futures didn’t exist back then. Commodity futures were strictly real commodities like corn, soybeans, cattle, and hogs. So those were the markets I started to trade and learn about. My college years coincided with the era of free love, mind-expanding drug experimentation, and rejection of traditional authority. Living through it had a lasting effect on me and many other members of my generation. For example, it deeply impacted Steve Jobs, whom I came to empathize with and admire. Like me, he took up meditation and wasn’t interested in being taught as much as he loved visualizing and building out amazing new things. The times we lived in taught us both to question established ways of doing things—an attitude he demonstrated superbly in Apple’s iconic “1984” and “Here’s to the Crazy Ones,” which were ad campaigns that spoke to me. For the country as a whole, those were difficult years. As the draft expanded and the numbers of young men coming home in body bags soared, the Vietnam War split the country. There was a lottery based on birthdates to determine the order of those who would be drafted. I remember listening to the lottery on the radio while playing pool with my friends. It was estimated that the first 160 or so birthdays called would be drafted, though they read off all 366 dates. My birthday was forty-eighth.

When a country’s economy is in trouble—when it has a balance of trade deficit, for instance, and when its debts are mounting—and when the currency, therefore, is declining in value because everybody can see that the economy is bad, politicians, throughout history, have found a way of making things worse with the imposition of exchange controls. They run to the press and they say, “Listen, all you God-fearing Americans, Germans, Russians, whatever you are, we have a temporary problem in the financial market and it is caused by these evil speculators who are driving down the value of our currency—there is nothing wrong with our currency, we are a strong country with a sound economy, and if it were not for these speculators everything would be OK.” Diverting attention away from the real cause of the problem, which is their own mismanagement of the economy, politicians look to three crowds of people to blame for the regrettable situation. After the speculators come bankers and foreigners. Nobody likes bankers anyway, not even in good times; in bad times, everybody likes them less, because everybody sees them as rich and growing richer off the bad turn of events. Foreigners as a target are equally safe, because foreigners cannot vote. They do not have a say-so in national affairs, and remember, their food smells bad. Politicians will even blame journalists: if reporters did not write about our tanking economy, our economy would not be tanking. So we are going to enact this temporary measure, they say. To stem the scourge of a declining currency, we are going to make it impossible, or at least difficult, for people to take their money out of the country—it will not affect most of you because you do not travel or otherwise spend cash overseas. (See Chapter 9 and the Bernanke delusion.) Then they introduce serious exchange controls. They are always “temporary,” yet they always go on for years and years. Like anything else spawned by the government, once they are in place, a bureaucracy grows up around them. A constituency now arises whose sole purpose is to defend exchange controls and thereby assure their longevity. And they are always disastrous for a country. The free flow of capital stops. Money is trapped inside your country. And the country stops being as competitive as it once was.

It is easy to mourn the lives we aren't living. Easy to wish we'd developed other talents, said yes to different offers. Easy to wish we'd worked harder, loved better, handled our finances more astutely, been more popular, stayed in the band, gone to Australia, said yes to the coffee or done more bloody yoga. It takes no effort to miss the friends we didn't make and the work we didn't do and the people we didn't marry and the children we didn't have. It is not difficult to see yourself through the lens of other people, and to wish you were all the different kaleidoscopic versions of you they wanted you to be. It is easy to regret, and keep regretting, ad infinitum, until our time runs out. But it is not the lives we regret not living that are the real problem. It is the regret itself. It's the regret that makes us shrivel and wither and feel like our own and other people's worst enemy. We can't tell if any of those other versions would have been better or worse. Those lives are happening, it is true, but you are happening as well, and that is the happening we have to focus on. Of course, we can't visit every place or meet every person or do every job, yet most of what we'd feel in any life is still available. We don't have to play every game to know what winning feels like. We don't have to hear every piece of music in the world to understand music. We don't have to have tried every variety of grape from every vineyard to know the pleasure of wine. Love and laughter and fear and pain are universal currencies. We just have to close our eyes and savour the taste of the drink in front of us and listen to the song as it plays. We are as completely and utterly alive as we are in any other life and have access to the same emotional spectrum. We only need to be one person. We only need to feel one existence. We don't have to do everything in order to be everything, because we are already infinite. While we are alive we always contain a future of multifarious possibility. So let's be kind to the people in our own existence. Let's occasionally look up from the spot in which we are because, wherever we happen to be standing, the sky above goes on for ever. Yesterday I knew I had no future, and that it was impossible for me to accept my life as it is now. And yet today, that same messy life seems full of hope. Potential. The impossible, I suppose, happens via living. Will my life be miraculously free from pain, despair, grief, heartbreak, hardship, loneliness, depression? No. But do I want to live? Yes. Yes. A thousand times, yes.

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Try to enjoy every day, but know that you will not. Try to forgive others and yourself. Forget the bad stuff, remember the good. Eat cookies, but not too many. Challenge yourself to do more, to see more. Make plans, celebrate when they pan out, persevere when they don’t. Laugh when things are good, laugh when things are bad. Love with abandon, love selflessly. Life is simple, life is complex, life is short. Your only real currency is time—use it wisely.

Loans NRIs can give loans to resident Indians on a repatriable or non-repatriable basis. NRIs can also receive loans from residents. Loan from NRIs in foreign currency or on a repatriable basis A resident Indian can borrow up to US dollars 250,000 from NRI close relatives on a repatriation basis i.e. on repayment, the NRI can credit the funds in an NRE account and take this money back without any restrictions. The NRI should be a close relative of the borrower. Please check ‘Who is your relative’ for details. The amount of loan should be received by an inward remittance or by debit to the NRE/FCNR account. The loan should be a minimum of 1 year and without any interest. The funds cannot be used for agricultural/plantation/real estate business or for relending. Income: As the loan should be interest-free, no income can be generated. Taxability: As there is no income, there is no tax. Loan from NRIs in Indian rupees or on a non-repatriable basis A resident, not being a company incorporated in India, may borrow in rupees from an NRI on a non- repatriation basis. The period of loan should be 3 years or less and the rate of interest should not exceed 2% over the prevailing bank rate at the time of the loan. The loan has to be utilized for meeting the borrower’s personal requirement or for his business purposes. The funds cannot be used for agricultural/plantation/real estate business or for relending or for investment in shares, securities or immovable property. For example, Ms. Isumati has given an unsecured loan to her father’s firm earning 15% interest. If she goes to the UK for further studies and becomes an NRI, while she may continue with the loan, RBI rules would apply. The funds cannot be used for real estate business and if the bank rate is 10%, she cannot be paid more than 12% interest on her loan. Her father would also need to deduct TDS @ 30.9% on the interest. Income: Income from loans given to residents is interest. Taxability: The interest income on loans given is taxable for NRIs. Loans to NRIs NRIs are allowed to borrow from a bank/authorized

the public realized that an excess of paper currency creates no real wealth, only inflation.

The status signifiers of today may not be as obvious or as luxe as they were in the Gilded Age, but when social currency requires constant self-reinvention and measuring up, it takes effort to have the perfectly curated bookshelf, the photo-ready medicine cabinet, and the time to spend on self-actualization and self-improvement. For people in this privileged class, social media has become an opt-in surveillance state where how pretty and how good you are are constantly conflated. There have never been so many ways to express yourself—but there have also never been so many ways to be uncool and inadequate. Of course, keeping pace with this parallel self, who is always morally correct and always perfectly lit, becomes a form of toil in itself. And constantly striving to make the “right” consumer choices arguably distracts us from the unglamorous, real work of changing the world.

The 8 Forms of Wealth learning model is based upon eight hidden (because they are not so commonly considered) habits that I energetically urge you to embrace: Growth: The Daily Self-Improvement Habit. This habit is based on the insight that humans are happiest and genuinely wealthiest when we are steadily realizing our personal gifts and primal talents. The regular pursuit of personal growth is one of your most valuable assets. Wellness: The Steadily Optimize Your Health Habit. This habit is founded on your deep understanding that peak mental, emotional, physical, and spiritual vitality and living a long life filled with energy, wellness, and joyfulness are mission-essential to you being honestly rich. Family: The Happy Family, Happy Life Habit. This habit is built on the knowledge that having all the money and material success in the world is worthless if you are all alone. So enrich the connections with the ones you love. And fill your life with fantastic friends who upgrade your happiness. Craft: The Work as a Platform for Purpose Habit. This habit is grounded in the consistent practice of seeing your work as a noble pursuit and an opportunity not only to make more of your genius real, but also to make our world a better place. Mastery is a currency worth investing in. Money: The Prosperity as Fuel for Freedom Habit. This habit is driven by the principle that financial abundance is not only far from evil but also a necessity for living in a way that is generous, fascinating, and original. Community: The You Become Your Social Network Habit. This habit is structured around the scientific fact that a human being’s thinking, feeling, behaving, and producing are profoundly influenced by their associations, conversations, and mentors. To lead a great life, fill your circle with great people. Adventure: The Joy Comes from Exploring Not Possessing Habit. This habit is formulated around the reality that what creates vast joy is not material goods but magical moments doing things that flood us with feelings of gratefulness, wonder, and awe. Enrich your days with these and your life will rise into a whole new universe of inspiration. Service: The Life Is Short So Be Very Helpful Habit. This habit is founded on the time-honored understanding that the main aim of a life richly lived is to make the lives of others better. As you lose yourself in a cause that is bigger than you, you will not only find your greatest self but will illuminate the world in the process. And discover treasures far beyond the limits of cash, possessions, and public status.

For the first time, I understand that, as much as one might desire change, one has to be willing to take a risk, to free-fall, to fail, and that you’ve got to let go of the past—in other words, I have to finish my book. And then what? Go back to school; study religion, Zulu culture, literature? Become a suburban real-estate agent? This isn’t so much about time on my hands as about life in my hands. And it’s life as currency. Where am I going to spend it? What’s the best value? I’m limited only by what I can dream and allow myself to risk, and by the very real fact of the children—I can’t take off trekking the globe in search of myself. It seems pointless to go on for the sake of going on, if there isn’t some larger idea, some sense of enhancing the lives of others.

The flight attendant verified one more time that everyone’s seat belt was fastened. The passenger seated next to Lucie, a big blond fellow, had practically dug his fingers into the armrests. He stared at her with cocker spaniel eyes. “Here it comes again—I’m starting to feel like I’m dying. I really envy people like you who can sleep anywhere.” Lucie gave him a polite smile. Her mouth was pasty and she didn’t feel like making chitchat. The landing at Montreal-Trudeau airport was soft as could be. The ground temperature was about the same as a classic summer in the north of France. No real sense of disorientation, particularly since much of the population was French-speaking. Once the usual business was behind her—customs, verification of the letter rogatory, the wait at baggage claim, currency exchange—Lucie hailed a cab and let herself collapse onto the backseat. Evening was just beginning here, but across the Atlantic night was well under way.

What’s the first thing you do now before you visit a new restaurant for the first time or book a hotel room online? You probably ask a friend for a recommendation or you check out the reviews online. Now more than ever, the story your customers tell about you is a big part of your story. Word of mouth is accelerated and amplified. Trust is built digitally beyond the village. Reputations are built and lost in a moment. Opinions are no longer only shared one to one; they are broadcasted one to many, through digital channels. Those opinions live on as clues to your story. The cleanliness of your hotel bathrooms is no longer a secret. Guests’ unedited photos are displayed alongside a hotel brochure’s digital glossies. TripAdvisor ratings are proudly displayed by hotels and often say more about the standards guests can expect than do other, more established star ratings systems, such as the Forbes Travel Guide‘s ratings. Once-invisible brands and family-run hotels have had their businesses turned around by the stories their customers tell about them. “With 50 million reviews and counting, [TripAdvisor] is shaking the travel industry to its core.” —Nathan Labenz It turns out that people are more likely to trust the stories other people tell about you than to trust the well-lit Photoshopped images in your brochure. Reputation is how your idea and brand story are spread. A survey conducted by Chadwick Martin Bailey found that six in ten cruise customers said “they were less likely to book a cruise that received only one star.” There is no marketing more powerful than what one person says to another to recommend your brand. “Don’t waste money on expensive razors.” “Nice hotel; shame about the customer service.” In a world where online reputation can increase a hotel’s occupancy and revenue, trust has become a marketing metric. “[R]eputation has a real-world value.” —Rachel Botsman When we were looking to book a quiet, off-the-beaten-track hotel in Bali, the first place we looked wasn’t with the travel agents or booking.com. I jumped online and found that one of the area’s best-rated hotels on tripadvisor.com wasn’t a five-star resort but a modest family-run, three-star hotel that was punching well above its weight. This little fifteen-room hotel had more than 400 very positive reviews and had won a TripAdvisor Travellers Choice award. The reviews from the previous guests sealed the deal. The little hotel in Ubud was perfect. The reviews didn’t lie, and of course the place was fully booked with a steady stream of guests who knew where to look before taking a chance on a hotel room. Just a few years before, this $50-a-night hotel would have been buried amongst a slew of well-marketed five-star resorts. Today, thanks to a currency of trust, even tiny brands can thrive by doing the right thing and giving their customers a great story to tell.

THE FIRST DEMOCRAT The real founder of the modern Democratic Party was Andrew Jackson. Jackson, an orphan from Appalachia, rose from obscurity to become America’s most celebrated general and military hero after George Washington. He won the presidency by a landslide in 1828 and an even bigger one in 1832. His proteges dominated the Democratic Party for half a century, until the Civil War. During his lifetime Jackson was immensely popular with ordinary people, earning him the reputation of being the common man’s president. One might expect the Democrats—who even today purport to be the party of the common man—to embrace Jackson and acknowledge his paternity of their party. This, however, is not the case. So why do they distance themselves from Jackson? Why do progressives consider him such an embarrassment? Not only do many on the Left refuse to acknowledge Jackson’s founding role in the Democratic Party, they also want to kick him off the $20 bill where his face currently appears. Progressives want to see him replaced on the currency with the woman who ran the Underground Railroad, Harriet Tubman. To some degree, the progressive objective seems clear. Jackson, after all, owned some three hundred slaves during his lifetime. At one time he ran a plantation that had 150 slaves. So Jackson’s expulsion seems consistent with the general progressive antipathy toward slavery. The same antipathy explains the choice of Tubman, who was a female abolitionist. Moreover, Tubman was a woman. If the Democrats are going to place a woman, Hillary, on the presidential ticket, why not also have a woman, Tubman, on the currency? Even so, the proposal is interesting because Jackson was a Democrat—the founding father of the Democratic Party—while Tubman was a Republican. Admittedly progressives have no intention of highlighting that fact about Tubman; indeed it goes virtually unmentioned in the news reports. The progressive media is not comfortable with a female black abolitionist representing the Republican Party while a white male slave owner represents the Democratic Party.

One broad way of thinking about the use of blockchain concepts is applying them beyond the original context to see ways in which everything is like an economy, a market, and a currency — and equally important, how everything is not like an economy. This is a mindset that requires recognizing the fundamental properties of economics and markets in real-life situations. Blockchain technology helps elucidate that everything we see and experience, every system in life, is economics to some degree: a system for allocating resources. Furthermore, systems and interactions are economics in that they are a matter of awareness and discovery, value attribution, and potential interaction and exchange, and may include a mechanism for this exchange like a currency or token, or even a simple exchange of force, energy, or concentration (as in biological systems). This same basic economic structure could be said to exist universally, whether in a collaborative work team or at a farmers’ market. The quantized structure of blockchain technology in the form of ledger transaction-level tracking could mean higher-resolution activity tracking, several orders of magnitude more detailed and extensive than we are accustomed to at present, a time at which we are still grateful for SKU-level tracking on a bill of materials.

The foreign exchange rates are determined based on the demand and supply of currencies in the whole world and change real time. 

Get to know the interface   Now that you have caught your very first Pokémon, you’re set to shape your own Pokémon future and catch them all. Back on the map, which will be the screen you visit the most, you can find various points of interest, including your character’s position. Your position on the map is updated with real-time movement in your actual surroundings. Around your character is a radius, indicated with a purple circle. You can interact with points of interest within this radius. Do note that you will only be able to interact and move around when you have an active internet connection and when the application has access to your location.   Around your character, you will see blue floating cubes: PokéStops, as well as colored buildings: gyms. We will be treating these more carefully later on in the book. On the bottom of your screen you will see three main buttons: left being your avatar, right being Pokémon that are nearby and the middle button functions as the menu.   When you tap your avatar button, you can see your character and character name, your level, your balance, a journal of your activities, your team and last but not least: your medals. Increasing your level is achieved by gaining XP, short for experience. There are various ways to gain experience, which we will cover later on in this book. In this chapter, we just want to familiarize ourselves with the interface. You can check the requirements of any achievement by simply tapping on either of them.   When you make it back to the map, we will check out the middle button next to familiarize ourselves with the main menu. There are four subdivisions in the main menu: the Pokédex, the Shop, your Pokémon and your Items. First up is the Pokédex, it contains all the Pokémon you can come across in the game numbered accordingly. Whenever you catch a Pokémon, it will be added to the Pokédex and you can check their traits by simply tapping that particular Pokémon within your Pokédex. You will be shown a brief description about the Pokémon, its possible evolutions (if applicable), the type and how many times you have encountered and caught such Pokémon.   In the Shop, you’re able to spend your Pokécoins, which is your balance or currency. Pokécoins can be acquired by maintaining one or multiple gyms, but can also be bought directly through the store for real life currency. In the Shop you can buy various items such as Poké Balls, incense, eggs, and many more items and upgrades.   The third category in the main menu shows your Pokémon. In the beginning you can carry up to 250 Pokémon and up to 9 eggs, which are also included in the Pokémon tab count. If you wish to exceed these values, you can purchase upgrades in the Shop to increase your capacity. Your Pokémon are listed with their CP, short for Combat Power and their current HP, short for Health Points. The higher a Pokémon’s combat power, the stronger this Pokémon is and the harder it would be to catch.

Strive to be all good, but know that you are not,” I said. “Try to enjoy every day, but know that you will not. Try to forgive others and yourself. Forget the bad stuff, remember the good. Eat cookies, but not too many. Challenge yourself to do more, to see more. Make plans, celebrate when they pan out, persevere when they don’t. Laugh when things are good, laugh when things are bad. Love with abandon, love selflessly. Life is simple, life is complex, life is short. Your only real currency is time—use it wisely.

Some words we use all the time are difficult to define when we actually have to think about them. We use the word “evil” all the time but when asked to define what we are talking about, it can be quite difficult. Think about evil as you would think of counterfeit currency. A counterfeit is the corruption of something real. You can have real currency without the existence of any counterfeits. You cannot, however, have counterfeits without the real thing existing first. Evil is dependent on the existence of goodness but goodness is not dependent on evil. Goodness was there first. It is an absolute. Evil must always be thought of in relationship with absolute goodness.

When doubts about the survival of the single currency surfaced in 2010, the financial markets started to view countries on Europe’s periphery, from Ireland to Greece, as over-indebted and uncompetitive. Bound by euro-fetters, members of the Eurozone could not regain competitiveness by devaluing their currencies. Instead, interest rates across the region diverged, with highly indebted countries, including Italy and Greece, suddenly forced to pay hefty risk premiums. Meanwhile German bond yields headed into negative territory. Deflation beckoned. Deleveraging was in order. To bring down labour costs, the PIIGS were going to have to embrace deep structural reforms. Unemployment in Spain climbed to Great Depression levels. Schumpeter’s forces of creative destruction were about to be unleashed, big time.

At least Japan had sufficient domestic savings to fund its escalating national debt and printed its own currency. Europe’s stricken periphery wasn’t so fortunate. Take Draghi’s homeland. In the fifteen years since the start of the euro project, Italy enjoyed no increase in income per capita and labour costs climbed relative to Germany’s, rendering Italian exports uncompetitive. Italy’s public debt trailed only Japan’s and Greece’s. Italian banks were loaded down with hundreds of billions of euros of bad debts. Many of its largest businesses were certified zombies. Political sclerosis accompanied the economic version. The IMF warned that ‘in the absence of deeper structural reforms, medium-term growth is projected to remain low.’30 Without adequate economic growth, Italy’s sovereign debt problems and the Eurozone’s existential crisis remained unresolved. As in Japan, easy money bought time, but time was wasted.fn6

Until relatively recently, there was no real need for a term referring in general to the kind of object our Solar System is. It was the only known object of its type. We knew of stars but no planets outside the Solar System. We had no ability to observe planet formation in action. That has all changed, but so recently that there is no generally agreed term in the astronomical community for a star and all the gravitationally bound objects surrounding it. The term ‘planetary system’ has begun to gain currency to describe such objects, and it is the term we adopt to refer to a star and all the bodies gravitationally bound to it—the planets whether rocky, gassy, or icy, their moons, the asteroids, comets, and the far-flung icy bodies that make up Kuiper Belts. Our own planetary system contains only one star, but other planetary systems commonly contain two or even three stars. While the same general processes that formed our Solar System were also operating in the formation of other planetary systems, the end result of the process can yield planetary systems very unlike our own. Now that the Solar System isn’t the only example of a planetary system subject to study, and now that we can in effect peer back in time and observe processes such as those that occurred billions of years ago when our Solar System was being born, we can begin to appreciate how our home planetary system, and indeed our home world, is or isn’t special. The veil has been lifted, and this book provides a glimpse of what has been revealed.

It is easy to mourn the lives we aren’t living. Easy to wish we’d developed other talents, said yes to different offers. Easy to wish we’d worked harder, loved better, handled our finances more astutely, been more popular, stayed in the band, gone to Australia, said yes to the coffee or done more bloody yoga. It takes no effort to miss the friends we didn’t make and the work we didn’t do and the people we didn’t marry and the children we didn’t have. It is not difficult to see yourself through the lens of other people, and to wish you were all the different kaleidoscopic versions of you they wanted you to be. It is easy to regret, and keep regretting, ad infinitum, until our time runs out. But it is not the lives we regret not living that are the real problem. It is the regret itself. It’s the regret that makes us shrivel and wither and feel like our own and other people’s worst enemy. We can’t tell if any of those other versions would have been better or worse. Those lives are happening, it is true, but you are happening as well, and that is the happening we have to focus on. Of course, we can’t visit every place or meet every person or do every job, yet most of what we’d feel in any life is still available. We don’t have to play every game to know what winning feels like. We don’t have to hear every piece of music in the world to understand music. We don’t have to have tried every variety of grape from every vineyard to know the pleasure of wine. Love and laughter and fear and pain are universal currencies. We just have to close our eyes and savour the taste of the drink in front of us and listen to the song as it plays. We are as completely and utterly alive as we are in any other life and have access to the same emotional spectrum. We only need to be one person. We only need to feel one existence. We don’t have to do everything in order to be everything, because we are already infinite. While we are alive we always contain a future of multifarious possibility. So let’s be kind to the people in our own existence. Let’s occasionally look up from the spot in which we are because, wherever we happen to be standing, the sky above goes on for ever.

According to Knapp, whether or not the actual, physical money stuff in circulation corresponds to this “imaginary money” is not particularly important. It makes no real difference whether it’s pure silver, debased silver, leather tokens, or dried cod—provided the state is willing to accept it in payment of taxes. Because whatever the state was willing to accept, for that reason, became currency. One of the most important forms of currency in England in Henry’s time were notched “tally sticks” used to record debts. Tally sticks were quite explicitly IOUs: both parties to a transaction would take a hazelwood twig, notch it to indicate the amount owed, and then split it in half. The creditor would keep one half, called “the stock” (hence the origin of the term “stock holder”) and the debtor kept the other, called “the stub” (hence the origin of the term “ticket stub.”) Tax assessors used such twigs to calculate amounts owed by local sheriffs. Often, though, rather than wait for the taxes to come due, Henry’s exchequer would often sell the tallies at a discount, and they would circulate, as tokens of debt owed to the government, to anyone willing to trade for them.15

It is easy to mourn the lives we aren't living. Easy to wish we'd developed other talents, said yes to different offers. Easy to wish we'd worked harder, loved better, handled our finances more astutely, been more popular, stayed in the band, gone to Australia, said yes to the coffee or done more bloody yoga. It takes no effort to miss the friends we didn't make and the work we didn't do and the people we didn't marry and the children we didn't have. It is not difficult to see yourself through the lens of other people, and to wish you were all different kaleidoscopic versions of you they wanted you to be. It is easy to regret, and keep regretting, ad infinitum, until our time runs out. But it is not the lives we regret not living that are the real problem. It is the regret itself. It's the regret that makes us shrivel and wither and feel like our own and other people's worst enemy. We can't tell if any of those other versions would have been better or worse. Those lives are happening, it is true, but you are happening as well, and that is the happening we have to focus on. Of course, we can't visit every place or meet every person or do every job, yet most of what we'd feel in any life is still available. We don't have to play every game to know what winning feels like. We don't have to hear every piece of music in the world to understand music. We don't have to have tried every variety of grape from every vineyard to know the pleasure of wine. Love and laughter and fear and pain are universal currencies. We just have to close our eyes and savour the taste of the drink in front of us and listen to the song as it plays. We are as completely and utterly alive as we are in any other life and have access to the same emotional spectrum. We only need to be one person. We only need to feel one existence. We don't have to do everything in order to be everything, because we are already infinite. While we are alive we always contain a future of multifarious possibility. So let's be kind to the people in our existence. Let's occasionally look up from the spot in which we are because, wherever we happen to be standing, the sky above goes on for ever. Yesterday I knew I had no future, and that it was impossible for me to accept my life as it is now. And yet today, the same messy life seems full of hope. Potential. The impossible, I suppose, happens via living. Will my life be miraculously free from pain, despair, grief, heartbreak, hardship, loneliness, depression? No. But do I want to live? Yes. Yes. A thousand times, yes.

A Thing I Have Learned (Written By A Nobody Who Has Been Everybody) It is easy to mourn the lives we aren’t living. Easy to wish we’d developed other talents, said yes to different offers. Easy to wish we’d worked harder, loved better, handled our finances more astutely, been more popular, stayed in the band, gone to Australia, said yes to the coffee or done more bloody yoga. It takes no effort to miss the friends we didn’t make and the work we didn’t do and the people we didn’t marry and the children we didn’t have. It is not difficult to see yourself through the lens of other people, and to wish you were all the different kaleidoscopic versions of you they wanted you to be. It is easy to regret, and keep regretting, ad infinitum, until our time runs out. But it is not the lives we regret not living that are the real problem. It is the regret itself. It’s the regret that makes us shrivel and wither and feel like our own and other people’s worst enemy. We can’t tell if any of those other versions would have been better or worse. Those lives are happening, it is true, but you are happening as well, and that is the happening we have to focus on. Of course, we can’t visit every place or meet every person or do every job, yet most of what we’d feel in any life is still available. We don’t have to play every game to know what winning feels like. We don’t have to hear every piece of music in the world to understand music. We don’t have to have tried every variety of grape from every vineyard to know the pleasure of wine. Love and laughter and fear and pain are universal currencies. We just have to close our eyes and savour the taste of the drink in front of us and listen to the song as it plays. We are as completely and utterly alive as we are in any other life and have access to the same emotional spectrum. We only need to be one person. We only need to feel one existence. We don’t have to do everything in order to be everything, because we are already infinite. While we are alive we always contain a future of multifarious possibility. So let’s be kind to the people in our own existence. Let’s occasionally look up from the spot in which we are because, wherever we happen to be standing, the sky above goes on for ever. Yesterday I knew I had no future, and that it was impossible for me to accept my life as it is now. And yet today, that same messy life seems full of hope. Potential. The impossible, I suppose, happens via living. Will my life be miraculously free from pain, despair, grief, heartbreak, hardship, loneliness, depression? No. But do I want to live? Yes. Yes. A thousand times, yes.

I’ve already been out here a long time, and my mom says you can never relive a single moment. I stopped swinging. A single moment. Individual blades of grass became very distinct in my vision, as they sometimes do in the light of thickly clouded days. I am thinking of a moment—it is gone. Here’s another—gone. Gone. Gone. One cannot consider, with any real accuracy, the currency of a single moment and its extinction. Those are not the words I thought, but I felt them. The ground spun beneath me, although I was sitting still. I stood up too fast and became light-headed and had to grab ahold of the swing set’s ladder, which was striped like a barber’s pole, I noticed for the first time. I wandered out of Rose’s yard and headed home as if I were sick. It was impossible to stop thinking about time; I couldn’t get it out of my head and the effect was that every step I took was measured in jerky increments that vividly illustrated the arrival of a little unit of time and the death of that unit, until I was nauseous.

Time is the real currency of life. Converting it first into money is sub-optimal.

Time is the real currency of life. Converting it first to money is sub-optimal.

Violence may not be a solution, but it is an important currency,” Eric said. “Ideally, we employ violence to buy time for real solutions to be put into action.

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The fervour accompanying these events may be deceptive. If it expresses nothing more than the zeal with which the countries of the East are casting aside the bonds of ideology, or if it is a mimetic fervour - a tribute, as it were, to those liberal countries where all liberty has already been traded in for a technically easy life - then we shall have found out definitively what freedom is worth, and that it is probably never to be discovered a second time. History offers no second helpings. On the other hand, it could be that the present thaw in the East may be as disastrous in the long term as the excess of carbon dioxide in the upper atmosphere, that it may bring about a political greenhouse effect, and so overheat human relations on the planet that the melting of the Communist ice-sheet will cause Western seaboards to be submerged. Odd that we should be in such absolute fear of the melting of the polar ice, and look upon it as a climatic catastrophe, while we aspire with every democratic bone in our bodies to the occurrence of just such an event on the political plane. If in the old days the USSR had released its gold reserves onto the world market, that market would have been completely destabilized. Today, by putting back into circulation their vast accumulated store of freedom, the Eastern countries could quite easily destabilize that very fragile balance of Western values which strives to ensure that freedom no longer emerges as action but only as a virtual and consensual form of interaction; no longer as a drama but merely as the universal psychodrama of liberalism. A sudden infusion of freedom as a real currency, as violent and active transcendence, as Idea, would be in every way catastrophic for our present air-conditioned redistribution of values. Yet this is precisely what we are asking of the East: freedom, the image of freedom, in exchange for the material signs of freedom. This is an absolutely diabolical contract, by virtue of which one signatory is in danger of losing their soul, and the other of losing their creature comforts. But perhaps - who knows? - this may, after all, be the best thing for both sides. Those societies that were formerly masked - Communist societies - have been unmasked. What is their face like? As for us, we dropped the mask long ago and have for a long time been without either mask or face. We are also without memory. We have reached the point of searching the water for signs of a memory that has left no traces, hoping against hope that something might remain when even the water's molecular memory has faded away. So it goes for our freedom: we would be hard put to it to produce a single sign of it, and we have been reduced to postulating its infinitesimal, intangible, undetectable existence in a (programmatic, operational) environment so highly dilute that in truth only a spectre of freedom floats there still, in a memory every bit as evanescent as water's.

) It is easy to mourn the lives we aren’t living. Easy to wish we’d developed other talents, said yes to different offers. Easy to wish we’d worked harder, loved better, handled our finances more astutely, been more popular, stayed in the band, gone to Australia, said yes to the coffee or done more bloody yoga. It takes no effort to miss the friends we didn’t make and the work we didn’t do and the people we didn’t marry and the children we didn’t have. It is not difficult to see yourself through the lens of other people, and to wish you were all the different kaleidoscopic versions of you they wanted you to be. It is easy to regret, and keep regretting, ad infinitum, until our time runs out. But it is not the lives we regret not living that are the real problem. It is the regret itself. It’s the regret that makes us shrivel and wither and feel like our own and other people’s worst enemy. We can’t tell if any of those other versions would have been better or worse. Those lives are happening, it is true, but you are happening as well, and that is the happening we have to focus on. Of course, we can’t visit every place or meet every person or do every job, yet most of what we’d feel in any life is still available. We don’t have to play every game to know what winning feels like. We don’t have to hear every piece of music in the world to understand music. We don’t have to have tried every variety of grape from every vineyard to know the pleasure of wine. Love and laughter and fear and pain are universal currencies. We just have to close our eyes and savour the taste of the drink in front of us and listen to the song as it plays. We are as completely and utterly alive as we are in any other life and have access to the same emotional spectrum. We only need to be one person. We only need to feel one existence. We don’t have to do everything in order to be everything, because we are already infinite. While we are alive we always contain a future of multifarious possibility. So let’s be kind to the people in our own existence. Let’s occasionally look up from the spot in which we are because, wherever we happen to be standing, the sky above goes on for ever. Yesterday I knew I had no future, and that it was impossible for me to accept my life as it is now. And yet today, that same messy life seems full of hope. Potential. The impossible, I suppose, happens via living. Will my life be miraculously free from pain, despair, grief, heartbreak, hardship, loneliness, depression? No. But do I want to live? Yes. Yes. A thousand times, yes

One, bitcoin is not a stand-alone currency but a unit of accounting attached to an innovative payment network. Two, this network and therefore bitcoin only obtained its market value through real-time testing in a market environment.

Think you're too busy for another project? Whether busy or not, ask yourself, "Do I have the right balance of joy, money, and flow in my life?" If you want an outcome different from the one your current path is leading to, somehow you'll have to find the time. Being too busy may be the new social currency, but the real winners find time to do what matters to them.

Now imagine a supercharged version of time banking backed by the U.S. government where in addition to providing social value, there's real monetary value underlying it. This new currency — digital social credits (DSCs or Social Credits) — would reward people for doing things that serve the community.

I was invited to do a talk at the Bundesbank, the German Federal Bank. They were paying me for this speaking engagement, but they didn’t know how to do bitcoin, which is a real problem because I usually get paid in bitcoin. So, we agreed to do a wire transfer. It took 16 days. First, they asked for my account number. Then, the next day they said they needed the SWIFT number. By that time, my bank was closed, so I couldn’t get the SWIFT number. The next morning, I got the SWIFT number and I sent it to the Germans. By that time, their bank was closed. The next morning, they used the SWIFT number and discovered it was the wrong SWIFT number. It was the SWIFT number for US dollars, not for foreign currency. So, they sent me an email, but by that time my bank was closed. The next day, I got the other SWIFT number and I sent it to the Germans, but by that time their bank was closed. They sent me the wire. My bank took one look at this wire and said, "Bundesbank. Never heard of them. Sounds dodgy. Let’s freeze this for 14 days, just in case it bounces.” This is the third largest central bank in the world. This is the German Federal Bank. They do not bounce checks. 14 days later—and this is the great part—they said, "Money held. Money released." They released 80 dollars of the total amount, which was a four-figure amount. 80 dollars. Why 80? What the hell is that? What am I going to do with that? Just hold all of it. Are you teasing me? This makes no sense.

It is easy to mourn the lives we aren’t living. Easy to wish we’d developed other talents, said yes to different offers. Easy to wish we’d worked harder, loved better, handled our finances more astutely, been more popular, stayed in the band, gone to Australia, said yes to the coffee or done more bloody yoga. It takes no effort to miss the friends we didn’t make and the work we didn’t do and the people we didn’t marry and the children we didn’t have. It is not difficult to see yourself through the lens of other people, and to wish you were all the different kaleidoscopic versions of you they wanted you to be. It is easy to regret, and keep regretting, ad infinitum, until our time runs out. But it is not the lives we regret not living that are the real problem. It is the regret itself. It’s the regret that makes us shrivel and wither and feel like our own and other people’s worst enemy. We can’t tell if any of those other versions would have been better or worse. Those lives are happening, it is true, but you are happening as well, and that is the happening we have to focus on. Of course, we can’t visit every place or meet every person or do every job, yet most of what we’d feel in any life is still available. We don’t have to play every game to know what winning feels like. We don’t have to hear every piece of music in the world to understand music. We don’t have to have tried every variety of grape from every vineyard to know the pleasure of wine. Love and laughter and fear and pain are universal currencies. We just have to close our eyes and savour the taste of the drink in front of us and listen to the song as it plays. We are as completely and utterly alive as we are in any other life and have access to the same emotional spectrum.

the currency of real networking is not greed but generosity.

Feigenbaum was exploring a forgotten middle ground be tween mathematics and physics. His work was hard to classify. It was not mathematics; he was not proving anything. He was studying numbers, yes, but numbers are to a mathematician what bags of coins are to an investment banker: nominally the stuff of his profession, but actually too gritty and particular to waste time on. Ideas are the real currency of mathematicians. Feigenbaum was carrying out a program in physics, and, strange as it seemed, it was almost a kind of experimental physics.

Reclaiming ourselves usually means coming to recognize and accept that we have in us both sides of everything. We are capable of fear and courage, generosity and selfishness, vulnerability and strength. These things do not cancel each other out but offer us a full range of power and response to life. Life is as complex as we are. Sometimes our vulnerability is our strength, our fear develops our courage, and our woundedness is the road to our integrity. It is not an either/or world. It is a real world. In calling ourselves "heads" or "tails," we may never own and spend our human currency, the pure gold of which our coin is made. But judgment may heal over time. One of the blessings of growing older is the discovery that many of the things I once believed to be my shortcomings have turned out in the long run to be my strengths, and other things of which I was unduly proud have revealed themselves in the end to be among my shortcomings. Things that I have hidden from others for years turn out to be the anchor and enrichment of my middle age. What a blessing it is to outlive your self-judgments and harvest your failures.

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