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A Gift for You I send you... A cottage retreat on a hill in Ireland. This cottage is filled with fresh flowers, art supplies, and a double-wide chaise lounge in front of a wood-burning fireplace. There is a cabinet near the front door, where your favorite meals appear, several times a day. Desserts are plentiful and calorie free. The closet is stocked with colorful robes and pajamas, and a painting in the bedroom slides aside to reveal a plasma television screen with every movie you've ever wanted to watch. A wooden mailbox at the end of the lane is filled daily with beguiling invitations to tea parties, horse-and-carriage rides, theatrical performances, and violin concerts. There is no obligation or need to respond. You sleep deeply and peacefully each night, and feel profoundly healthy. This cottage is yours to return to at any time.

The case for bitcoin as a cash item on a balance sheet is very compelling for anyone with a time horizon extending beyond four years. Whether or not fiat authorities like it, bitcoin is now in free-market competition with many other assets for the world’s cash balances. It is a competition bitcoin will win or lose in the market, not by the edicts of economists, politicians, or bureaucrats. If it continues to capture a growing share of the world’s cash balances, it continues to succeed. As it stands, bitcoin’s role as cash has a very large total addressable market. The world has around $90 trillion of broad fiat money supply, $90 trillion of sovereign bonds, $40 trillion of corporate bonds, and $10 trillion of gold. Bitcoin could replace all of these assets on balance sheets, which would be a total addressable market cap of $230 trillion. At the time of writing, bitcoin’s market capitalization is around $700 billion, or around 0.3% of its total addressable market. Bitcoin could also take a share of the market capitalization of other semihard assets which people have resorted to using as a form of saving for the future. These include stocks, which are valued at around $90 trillion; global real estate, valued at $280 trillion; and the art market, valued at several trillion dollars. Investors will continue to demand stocks, houses, and works of art, but the current valuations of these assets are likely highly inflated by the need of their holders to use them as stores of value on top of their value as capital or consumer goods. In other words, the flight from inflationary fiat has distorted the U.S. dollar valuations of these assets beyond any sane level. As more and more investors in search of a store of value discover bitcoin’s superior intertemporal salability, it will continue to acquire an increasing share of global cash balances.

With our desire to have more, we find ourselves spending more and more time and energy to manage and maintain everything we have. We try so hard to do this that the things that were supposed to help us end up ruling us. We eventually get used to the new state where our wishes have been fulfilled. We start taking those things for granted and there comes a time when we start getting tired of what we have. We're desperate to convey our own worth, our own value to others. We use objects to tell people just how valuable we are. The objects that are supposed to represent our qualities become our qualities themselves. There are more things to gain from eliminating excess than you might imagine: time, space, freedom and energy. When people say something is impossible, they have already decided that they don't want to do it. Differentiate between things you want and things you need. Leave your unused space empty. These open areas are incredibly useful. They bring us a sense of freedom and keep our minds open to the more important things in life. Memories are wonderful but you won't have room to develop if your attachment to the past is too strong. It's better to cut some of those ties so you can focus on what's important today. Don't get creative when you are trying to discard things. There's no need to stock up. An item chosen with passion represents perfection to us. Things we just happen to pick up, however, are easy candidates for disposal or replacement. As long as we stick to owning things that we really love, we aren't likely to want more. Our homes aren't museum, they don't need collections. When you aren't sure that you really want to part with something, try stowing it away for a while. Larger furniture items with bold colors will in time trigger visual fatigue and then boredom. Discarding things can be wasteful. But the guilt that keeps you from minimizing is the true waste. The real waste is the psychological damage that you accrue from hanging on to things you don't use or need. We find our originality when we own less. When you think about it, it's experience that builds our unique characteristics, not material objects. I've lowered my bar for happiness simply by switching to a tenugui. When even a regular bath towel can make you happy, you'll be able to find happiness almost everywhere. For the minimalist, the objective isn't to reduce, it's to eliminate distractions so they can focus on the things that are truly important. Minimalism is just the beginning. It's a tool. Once you've gone ahead and minimized, it's time to find out what those important things are. Minimalism is built around the idea that there's nothing that you're lacking. You'll spend less time being pushed around by something that you think may be missing. The qualities I look for in the things that I buy are: - the item has a minimalistic kind of shape and is easy to clean - it's color isn't too loud - I'll be able to use it for a long time - it has a simple structure - it's lightweight and compact - it has multiple uses A relaxed moment is not without meaning, it's an important time for reflection. It wasn't the fallen leaves that the lady had been tidying up, it was her own laziness that she had been sweeping away. We are what we repeatedly do. Excellence, then, is not an act but a habit. With daily cleaning, the reward may be the sense of accomplishment and calmness we feel afterward. Cleaning your house is like polishing yourself. Simply by living an organized life, you'll be more invigorated, more confident and like yourself better. Having parted with the bulk of my belongings, I feel true contentment with my day-to-day life. The very act of living brings me joy. When you become a minimalist, you free yourself from all the materialist messages that surround us. All the creative marketing and annoying ads no longer have an effect on you.

This kind of speculation reached a high point with the Pentagon's initiative of creating a 'futures market in events', a stock market of prices for terrorist attacks or catastrophes. You bet on the probable occurrence of such events against those who don't believe they'll happen. This speculative market is intended to operate like the market in soya or sugar. You might speculate on the number of AIDS victims in Africa or on the probability that the San Andreas Fault will give way (the Pentagon's initiative is said to derive from the fact that they credit the free market in speculation with better forecasting powers than the secret services). Of course it is merely a step from here to insider trading: betting on the event before you cause it is still the surest way (they say Bin Laden did this, speculating on TWA shares before 11 September). It's like taking out life insurance on your wife before you murder her. There's a great difference between the event that happens (happened) in historical time and the event that happens in the real time of information. To the pure management of flows and markets under the banner of planetary deregulation, there corresponds the 'global' event- or rather the globalized non-event: the French victory in the World Cup, the year 2000, the death of Diana, The Matrix, etc. Whether or not these events are manufactured, they are orchestrated by the silent epidemic of the information networks. Fake events.

Statisticians say that stocks with healthy dividends slightly outperform the market averages, especially on a risk-adjusted basis. On average, high-yielding stocks have lower price/earnings ratios and skew toward relatively stable industries. Stripping out these factors, generous dividends alone don’t seem to help performance. So, if you need or like income, I’d say go for it. Invest in a company that pays high dividends. Just be sure that you are favoring stocks with low P/Es in stable industries. For good measure, look for earnings in excess of dividends, ample free cash flow, and stable proportions of debt and equity. Also look for companies in which the number of shares outstanding isn’t rising rapidly. To put a finer point on income stocks to skip, reverse those criteria. I wouldn’t buy a stock for its dividend if the payout wasn’t well covered by earnings and free cash flow. Real estate investment trusts, master limited partnerships, and royalty trusts often trade on their yield rather than their asset value. In some of those cases, analysts disagree about the economic meaning of depreciation and depletion—in particular, whether those items are akin to earnings or not. Without looking at the specific situation, I couldn’t judge whether the per share asset base was shrinking over time or whether generally accepted accounting principles accounting was too conservative. If I see a high-yielder with swiftly rising share counts and debt levels, I assume the worst.

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.

8:00am The sun is shining, the cows are mooing, and I am ready for the mines. I hope I find something awesome today. Steve has told me about some pretty crazy things I had no idea existed. According to him, I must find empty tombs in the desert. That’s where the real treasures are. For today, I will stick to regular mining. Who knows, maybe I will come across an abandoned mine shaft; could be my lucky day.   12:30pm I was forced to come home for lunch today because I had too much stuff to carry. I was getting low on my iron ore, gold, and lapis lazuli stocks before this mine trip. It’s amazing how quick lapis goes when you are busy enchanting everything but the kitchen sink. I’d enchant that too if I had one. I wonder what an enchanted kitchen sink would do. Would it do my dishes for me? That would be so cool.   I have plenty of both now. I can make some new armor and enchant it! I love mining.   Steve decided to join me for lunch and we ate a couple of pork chops and some cake. I love cake! We ate until no more food could fill us up. Then, Steve had the guts to brag about how, when he mines, he takes a horse with extra storage so he can stay down there all day long. Well fancy you, Steve.   He also went on to tell me about how well the crops are doing these days. He thinks it’s because he is looking after them half of the time. What he doesn’t know is I throw bone marrow on them when I am working. Makes my job faster and gives me more free time so whatever you need to tell yourself, Steve.   Life may be easier switching every day between mines and farming, but it still doesn’t make me his biggest fan. I just don’t think he needs to fall in a hole, either. At least… Not right now. I would consider us to be frienemies; Friendly enemies. Yes. At times we pretend to get along, but most of the time, we are happiest doing our own thing.   6:00pm Mining this afternoon was super fun… Not! I got attacked by a partially hidden skeleton guy. I couldn’t see him enough to strike back until half of my life hearts were gone. I must not have made the space bright enough. Those guys are nasty. They are hard to kill too. If you don’t have a bow and arrow you might as well surrender. Plus, they kind of smell like death. Yuck.   Note to self: Bring more torches on the next mining day.   On the other hand, I came back with an overshare of Redstone, too much iron for my own good, and oddly, quite a few diamonds. I won’t be sharing the diamonds with anyone. They are far too precious. They will go to some new diamond pickaxes, and maybe some armor. Hmm, I could enchant those too! The iron and Redstone though, I am thinking a trip to the village may be in order. See what those up-tight weirdos are willing to trade me.   For now, it’s bedtime.   6:10pm You can only sleep at night. You can only sleep at night. You can only sleep at night.   6:11pm That stupid rule gets me every time. Why can’t I decide when it’s bed time?   First, I will go eat a cookie, then I will go to sleep. Day Thirty-Three   3:00am I just dreamt that our world was made of cookies.

Why don’t you have a girlfriend, Matt?” I ask. And I really want to know, because it’s unfathomable to me that he’s single. He’s handsome, and he’s so kind. He shakes a finger at me. “There’s a story there,” he says. I settle into the sofa a little deeper and turn so that my feet are pointed toward him, my legs extended. My toes almost touch his thigh. But then he lifts my feet and slides under them, scooting closer to me. “I was in love with a girl. For a long time.” “What happened to her?” I ask. He starts to tickle across my toes, and then his fingertips drag down the top of my foot. It’s a gentle sweep, and it feels so good that I don’t want him to stop. His fingers play absently as he starts to talk. “When I got the diagnosis,” he says, “she couldn’t deal with it.” “Cancer?” I ask. He nods. His fingers drag up and down my shin, and he slides around to stroke the back of my knee. I don’t stop him when his hand slides beneath my skirt, although I do tense up. He smiles when he finds the top of my thigh-highs, and he unclips the little fastener that attaches them to my garters. He repeats the action on the other side, his hands teasing the sensitive skin of my inner thigh as he frees the stocking and rolls it down. He pulls it all the way over my foot, and does the same with the other side. I am suddenly really glad I shaved my legs this morning. I wiggle my toes at him, and he starts to stroke me again. I don’t ever want him to stop. “This okay?” he asks. But he’s not looking at my face. He’s looking at my legs. “Yeah,” I breathe. “Keep talking. You got diagnosed…” “I got diagnosed, and the prognosis wasn’t good. I went through chemo and got a little better. But then I needed a second round. Things didn’t look good, and we were flat broke. I couldn’t work at the tattoo parlor anymore because my immune system was too weak, so I had no money coming in. I was poor and sick, and she didn’t love me enough to walk the path with me.” He shrugs, but I can tell he’s serious. “She cheated with my best friend.” He shrugs again. “And that’s the end of that sad story.” “You still love her?” I ask. I don’t breathe, waiting for his answer. He shakes his head and looks up. “I did love her for a long time. And I haven’t been looking for a relationship. I haven’t dated anyone since her. But I’m not in love with her anymore. I know that now.” “Why now?” I ask. He looks directly into my eyes and says, “Because I met you, and I feel really hopeful that you’ll want to go after something real with me. I know we just met and all, but I was serious about making you fall in love with me.” He laughs. “Then you hit me in the nose tonight, and I knew it was meant to be.” “What?” I have no idea what he’s talking about. “When my brother Logan met Emily, she punched him in the face. And when Pete and Reagan first started dating, she hit him in the nose.” He reaches up and touches his nose gently. “So, when you hit me tonight, I just knew it was meant to be.” He grins. “I hope you feel the same way, because I really want to see where this thing is going to go.” “So the women your brothers fell in love with, they committed bodily harm to them and that’s how you guys knew it was real?” “We kind of have a rule. If a woman punches you in the face, you have to marry her.” He laughs. “I didn’t punch you.” “Same difference,” he says. “That’s my story and I’m sticking to it.

For too long the various fields of knowledge have been closed to the majority of people, because of knowledge barriers (such as entrance exams), financial barriers (tuition), class barriers (guilds, unions, and directors of admission), language barriers (each group adopting its own arcane terminology with the supposed purpose of facilitating communication among members but with the effects being a rebuff to the uninitiated). These obstacles are undemocratic in that they do not let an individual have free access to knowledge that society has collected — our common inheritance, the greatest store of wealth to which we are all heirs. Such barriers have resulted in an elite group that understands and a mass of outsiders who are excluded from knowledge. For example, in earlier times the Bible was only available in Latin or Greek and accessible exclusively to priests and scholars. That exclusivity is kept alive today in the medical profession. There are innumerable, hidden psychological and social pressures that keep people from being free to explore the constructive use of their hands and minds. Because of artificial limitations on who shall know, society fails to reap the knowledge, the productivity, and the peace and well-being that come from universal participation. In a very real sense, we are hoarding our wealth rather than investing it in the best blue chip stock on the market — human ability.

Tristan Sommer Tallahassee is a government consulting expert, who has a deep knowledge of all things local, state, and federal. He loves reading in his free time, which keeps him up to date on the latest publications, websites, and blogs. Locally, Tristan Sommer Tallahassee reads Florida Politics and The Tallahassee Democrat.Tristan Sommer Tallahassee is an ambitious real estate investor who is looking to start an investment company that specializes in stock portfolios and local real estate. Tristan Sommer Tallahassee also wants to lobby for local businesses and organizations, and he would like to start his lobbying firm.

By Lawrence Van Alstyne December 24, 1863 As tomorrow is Christmas we went out and made such purchases of good things as our purses would allow, and these we turned over to George and Henry for safe keeping and for cooking on the morrow. After that we went across the street to see what was in a tent that had lately been put up there. We found it a sort of show. There was a big snake in a showcase filled with cheap looking jewelry, each piece having a number attached to it. Also, a dice cup and dice. For $1.00 one could throw once, and any number of spots that came up would entitle the thrower to the piece of jewelry with a corresponding number on it. Just as it had all been explained to us, a greenhorn-looking chap came in and, after the thing had been explained to him, said he was always unlucky with dice, but if one of us would throw for him he would risk a dollar just to see how the game worked. Gorton is such an accommodating fellow I expected he would offer to make the throw for him, but as he said nothing, I took the cup and threw seventeen. The proprietor said it was a very lucky number, and he would give the winner $12 in cash or the fine pin that had the seventeen on it. The fellow took the cash, like a sensible man. I thought there was a chance to make my fortune and was going right in to break the bank, when Gorton, who was wiser than I, took me to one side and told me not to be a fool; that the greenhorn was one of the gang, and that the money I won for him was already his own. Others had come by this time and I soon saw he was right, and I kept out. We watched the game a while, and then went back to Camp Dudley and to bed. Christmas, and I forgot to hang up my stocking. After getting something to eat, we took stock of our eatables and of our pocket books, and found we could afford a few things we lacked. Gorton said he would invite his horse jockey friend, James Buchanan, not the ex-President, but a little bit of a man who rode the races for a living. So taking Tony with me I went up to a nearby market and bought some oysters and some steak. This with what we had on hand made us a feast such as we had often wished for in vain. Buchanan came, with his saddle in his coat pocket, for he was due at the track in the afternoon. George and Henry outdid themselves in cooking, and we certainly had a feast. There was not much style about it, but it was satisfying. We had overestimated our capacity, and had enough left for the cooks and drummer boys. Buchanan went to the races, Gorton and I went to sleep, and so passed my second Christmas in Dixie. At night the regiment came back, hungry as wolves. The officers mostly went out for a supper, but Gorton and I had little use for supper. We had just begun to feel comfortable. The regiment had no adventures and saw no enemy. They stopped at Baton Rouge and gave the 128th a surprise. Found them well and hearty, and had a real good visit. I was dreadfully sorry I had missed that treat. I would rather have missed my Christmas dinner. They report that Colonel Smith and Adjutant Wilkinson have resigned to go into the cotton and sugar speculation. The 128th is having a free and easy time, and according to what I am told, discipline is rather slack. But the stuff is in them, and if called on every man will be found ready for duty. The loose discipline comes of having nothing to do. I don’t blame them for having their fun while they can, for there is no telling when they will have the other thing. From Diary of an Enlisted Man by Lawrence Van Alstyne. New Haven, Conn., 1910.