Today, it is easy to walk into a bank and transfer money anywhere around the globe, but how does this happen? Behind most international money and security transfers is the <a href="https://www.investopedia.com/terms/s/swift.asp">Society for Worldwide Interbank Financial Telecommunications</a> (SWIFT) system. SWIFT is a vast messaging network used by banks and other <a href="https://www.investopedia.com/terms/f/financialinstitution.asp">financial institutions</a> to quickly, accurately, and securely send and receive information, such as money transfer instructions.

The SWIFT Money Transfer System

<ul>
<li>Society for Worldwide Interbank Financial Telecommunications (SWIFT) is a member-owned cooperative that provides safe and secure financial transactions for its members. </li>
<li>This payment network allows individuals and businesses to take electronic or card payments even if the customer or vendor uses a different bank than the payee.</li>
<li>SWIFT works by assigning each member institution a unique ID code that identifies not only the bank name but country, city, and branch.</li>
</ul>

Key Points

SWIFT assigns each financial organization a unique code that has either eight characters or 11 characters. The code is interchangeably called the bank identifier code (BIC), SWIFT code, SWIFT ID, or ISO 9362 code.
It is broken down as follows:
<ul>
<li>The first four characters: the institute code </li>
<li>Next two characters: the country code </li>
<li>Next two characters: the location/city code </li>
<li>The last three characters: optional, but organizations use them to assign codes to individual branches.</li>
</ul>

The SWIFT Transaction Code

Prior to SWIFT, Telex was the only available means of message confirmation for international funds transfers. Telex was hampered by low speed, security concerns, and a free message format. Telex senders had to describe every transaction in sentences that were then interpreted and executed by the receiver. This led to many human errors.
To circumvent these problems, the SWIFT system was formed in 1973. Six major international banks formed a cooperative society to operate a global network that would transfer financial messages in a secure and timely manner.

The World Before SWIFT

Although there are other message services like Fedwire, Ripple, and Clearing House Interbank Payments System (CHIPS), SWIFT continues to retain its dominant position in the market. Its success is attributed to how it continually adds new message codes to transmit different financial transactions.
While SWIFT primarily started for simple payment instructions, it now sends messages for a wide variety of actions, including security transactions, treasury transactions, trade transactions, and system transactions.

The Dominance Of SWIFT

Initially, SWIFT founders designed the network to facilitate communication about Treasury and correspondent transactions only. The robustness of the message format design allowed huge scalability through which SWIFT gradually expanded to provide services to the following:
<ul>
<li>Banks</li>
<li>Brokerage Institutes and Trading Houses</li>
<li>Securities Dealers</li>
<li>Asset Management Companies</li>
<li>Clearing Houses</li>
<li>Depositories</li>
<li>Exchanges</li>
<li>Corporate Business Houses</li>
<li>Treasury Market Participants and Service Providers</li>
<li>Foreign Exchange and Money Brokers</li>
</ul>

The Users Of SWIFT

The SWIFT system offers many services that assist businesses and individuals to complete seamless and accurate business transactions. Some of the services offered are listed below.
<ul>
<li>Applications for processing clearing and settlement instructions for payments, securities, forex, and <a href="https://www.investopedia.com/terms/d/derivative.asp">derivatives</a> transactions.</li>
<li>Business Intelligence and compliance services.</li>
<li>Messaging, Connectivity, and Software Solutions.</li>
</ul>

Services Offered by SWIFT

<ul>
<li>SWIFT is a cooperative society owned by its members. All members pay a one-time joining fee plus annual support charges which vary by member class. </li>
<li>SWIFT also charges users for each message based on message type and length. These charges also vary depending upon the bank’s usage volume; different charge tiers exist for banks that generate different volumes of messages.</li>
<li>SWIFT has launched additional services. These are backed by the long history of data maintained by SWIFT. These include business intelligence, reference data, and compliance services and offer other income streams for SWIFT.</li>
</ul>

The Commercial Aspects Of SWIFT

The majority of SWIFT clients have huge transactional volumes for which manual entry of instructions is not practical. The need for automation for SWIFT message creation, processing, and transmission is growing. However, this comes at a cost and increased operational overhead.
Although SWIFT has been successful in providing software for automation, that too comes at a cost. SWIFT may need to tap into these problem areas for the majority of its client base. Automated solutions within this space may bring in a new stream of income for SWIFT and keep clients engaged in the long run.

Challenges for SWIFT

SWIFT has retained its dominant position in the global processing of transactional messages. It has recently forayed into other areas, such as offering reporting utilities and data for business intelligence, which indicates its willingness to remain innovative. In the short- to mid-term, SWIFT seems poised to continue dominating the market.

The Bottom Line

Society for Worldwide Interbank Financial Telecommunications (SWIFT) is the global standard for payment and securities trade transactions.

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Money & Investments

How the SWIFT System Works

It means taking an extended time-out from your normal life to travel the world on your own terms. Vagabonds work only to travel. They travel solely for the sake of traveling, and therefore earning money is part of their mission to earn the freedom to do just that.So vagabonding doesn’t start with picking a departure date at the travel agent or arriving at the check-in counter at the airport. It starts with saving money, poring over maps, figuring out your destination and your why, and finally stopping to make excuses and putting off your journey.

Vagabonding

“The value of your travels does not hinge on how many stamps you have in your passport when you get home -- and the slow nuanced experience of a single country is always better than the hurried, superficial experience of forty countries.”

Our relationship with money makes us see travel as a luxury, which is why we think of “a vacation” just like we think of a new car or an expensive TV – it costs a ton of money and is a one-time thing.But tightly packed, stressful, calculated flat fee holiday cruises with a fixed budget provide none of the rich experiences travel is really about. If you think there might be a vagabond inside you, the first thing that’ll have to change is your relationship with money.

Change Your Relationship With Money

It means negotiating with your employer for special sabbaticals and long-term leaves of absence.

Constructive Quitting

“Work is when you confront the problems you might otherwise be tempted to run away from.”

<ul><li>Stop expansion. Don’t add any new possessions to your life</li><li>Rein in your routine. Live more humbly and invest the difference into your travel fund</li><li>Reduce clutter. Downsize what you already own (and sell it to make extra money).</li></ul>The goal of preparation is not knowing exactly where you’ll go but being confident nonetheless that you’ll get there. Your attitude is more important than your itinerary.

Simplify Your Life For Vagabonding

“The simple willingness to improvise is more vital, in the long run, than research.”

Vagabonding revolves around the people you meet on the road — and the attitude you take into these encounters can make or break your entire travel experience.<ul><li>To know how to conscientiously spend money on the road, watch what the locals do.</li><li>Be sure to carry photos of yourself, your hometown, and your family to show to people on the road.</li></ul>

The People You Meet On The Road 

<ul><li>Speak slowly, simply, and clearly</li><li>Be patient and try to figure out mispronounced words from the context of what is being said</li><li>Compliment anyone brave (and helpful) enough to try his or her English on you</li><li>Develop a knack for cross-cultural small talk</li><li>Commit a few words and phrases of the local language to memory.</li></ul>

Bridge The “Language Gap”

<ul><li>If in doubt about what to do in a place, just start walking through your new environment</li><li>Don’t make too many arrangements at once as it stunts your spontaneity. Only make advance reservations for one trip at a time</li><li>Wash your own clothes with shampoo.</li><li>Rooms are easy to find so don’t bother with reservations. Exceptions: local festivals, high tourist season, or when you’re arriving at night</li><li>Never check into a room without asking to see it first</li><li>Don’t put your bags into the trunk of a taxi, as this is often used as a bargaining chip by dodgy taxi drivers</li><li>Pre-trip immunizations are vital.</li></ul>

Life on The Road

<ul><li>If you can cook it, boil it, or peel it, you can eat it — otherwise, forget it</li><li>Look for establishments with lots of customers and healthy-looking employees</li><li>When ordering meat, make sure it’s well cooked. Be wary of milk, “beef”, leafy salads, and shellfish</li><li>Avoid non-purified water (ice included) and make sure your bottled water is sealed</li><li>Keep in mind that a restaurant’s food isn’t necessarily healthy (or clean, or tasty) merely because the place has an English-language menu and serves up pizza, club sandwiches, or an “American” breakfast.</li></ul>

Food

<ul><li>Avoid bringing expensive or irreplaceable items </li><li>Don’t brag about the wealth you do have </li><li>Keep cash in discreet places like a money belt, a sock, or a hidden pocket. Be wary of public distractions and dense crowds. This is where pickpockets tend to operate</li><li>When staying at a hotel or guesthouse, keep your extra cash in the safe</li><li>Be wary of pushy new “friends” who insist on giving you free shopping or sightseeing tours.</li></ul>

Crime and Scams

<ul><li>Let go of your pre-trip stereotypes and exchange two-dimensional expectations for living people, living places, and living life.</li><li>Fall into a nightly ritual of partying and you might overlook the subtlety of places, stunt your travel creativity, and trap yourself in the patterns of home.</li><li>Creativity is particularly important after you’ve been on the road for a long time, because inevitably you’ll fall into a kind of road routine.</li></ul>

Vagabonding Is A Rediscovery Of Reality Itself

<ul><li>Returning home can be weird. Everything will look like it did but feel completely different at the same time.</li><li>It’s hard for friends to relate to your travel experiences because they don’t share the values that took you out on the road in the first place. So remember to keep your stories short and save the best bits for yourself.</li><li>Hitting the road to get travel out of your system rarely works, so the best remedy upon returning home is to make travel a part of your system.</li></ul>

Coming Home

Dreaming of working from anywhere? Here are the key things you need to know about starting your digital nomad journey

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Books

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Remote Work

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Career

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Mental Health

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Travel

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Personal Development

How To Become A Digital Nomad

Not just a plan of action, vagabonding is an outlook on life that emphasizes creativity, discovery, and the growth of the spirit.

A complete guide to the vagabond approach to travel espouses taking time off from one's normal routine--for weeks to years--to discover the wonders of the world for oneself, explaining how to plan and prepare for travel, simplify one's lifestyle and adapt to life on the road, handle travel adversity, and finally, reassimilate to ordinary life. Original. 15,000 first printing.

INTERNATIONAL BESTSELLER • With a new foreword by Tim Ferriss • “Vagabonding easily remains in my top-10 list of life-changing books. Why? Because one incredible trip, especially a long-term trip, can change your life forever. And Vagabonding teaches you how to travel (and think), not just for one trip, but for the rest of your life.”—Tim Ferriss, from the foreword There’s nothing like vagabonding: taking time off from your normal life—from six weeks to four months to two years—to discover and experience the world on your own terms. In this one-of-a-kind handbook, veteran travel writer Rolf Potts explains how anyone armed with an independent spirit can achieve the dream of extended overseas travel. Now completely revised and updated, Vagabonding is an accessible and inspiring guide to • financing your travel time • determining your destination • adjusting to life on the road • working and volunteering overseas • handling travel adversity • re-assimilating back into ordinary life Updated for our ever-changing world, Vagabonding is an indispensable guide for the modern traveler.

Rolf Potts

Vagabonding: An Uncommon Guide to the Art of Long-Term World Travel

The ‘great resignation’ that came with the Covid pandemic has left many employees in a privileged situation. Shop around, chances are you’ll find someone desperate for help and willing to pay more than your current employer. Then you can politely ask your employer to match/beat those offers.

3 Tips For Negotiating For Better Benefits/Pay At Work.

Negotiations are best done when both parties feel like their needs are being met. human emotion plays a big role in negotiations. It’s not all hard calculations. Sometimes people will be more stingy simply because they think you’re awful.

1. Don’t go in guns blazing

When negotiating an employment situation, what do you care about most? Pay raise? More vacation? More autonomy? Remote work? Now think about your employer and what they care about most. Things, where you care a lot less compared to your employer and vice versa, are where you can make everyone happier. Everything is negotiable.

2. Find mismatched priorities between parties

The more prepared you can be understanding the positions and motivations of all counterparties the better. The more independent data you can bring to support your reasoning (e.g., industry pay comps, research on the tie between worker efficiency and workplace comfort, competitor actions, hard data as well as qualitative reviews showing your impact) the more convincing you’ll be.

3. Be prepared

This tips show basic strategies to employ during negotiations at work.

Starting your first job can be a quite tricky experience, almost like the training wheels came off from your bike halfway through your journey, you are expected to miraculously know things like salary negotiations, pension calculations, interview skills, insurance many of which school did not prepare you for. Employee benefits are one of those things…

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Human Resources

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Leadership & Management

Employee Benefits: A Not-So Complete Guide To Getting What you Want

Our brain is symmetrical, consisting of left and right hemispheres. However, these two parts have entirely different functions. Generally, in everyday life, we use the left hemisphere of the brain, not using the capabilities of the right. However, it turns out that we can achieve a lot when our brain works as a whole and both hemispheres are synchronized. We become more relaxed and creative, our intelligence increases, we absorb new information faster. You will learn how to get the brain hemispheres in sync from this article.

How do we bring the brain hemispheres into synchronization?

The left hemisphere enables us to think logically, solve mathematical problems, analyze issues rationally, and operate verbal structures. When working with the left hemisphere, we focus on details and encode information step by step. We are concrete and literal.

What can the left hemisphere do?

The right hemisphere enables us to use intuition, see the world holistically, and create syntheses. Thanks to the right hemisphere, we can operate with associations, symbols, and images. We are creative people with great imaginations.

What can the right hemisphere do?

If you use the logic of the left hemisphere and the imagination of the right, your abilities will increase significantly. Your memory and concentration will improve. You will learn and work better and solve problems more efficiently. You might start to be seen as brilliantly creative, who has great ideas, does not make mistakes, and successfully achieves goals. Your self-esteem will increase, your mood will improve, you will be more relaxed and calm. Thanks to the synchronization of hemispheres, you will also have a more significant impact on your life - become more energetic and productive.

What can a synchronized brain do?

Juggling is a straightforward, funny, and effective method leading to the synchronization of brain hemispheres. It develops concentration and eye-hand coordination - which activates many brain areas. Since the left and right hands perform different activities, we start both brain hemispheres working together.

Just juggle

A simple crayon and a piece of paper are enough to change the functioning of your brain. Draw with both hands; start with simple motifs: a Christmas tree, a house, a stitch, a spiral, hearts. It is essential that your mirror hand movements each other. For example, draw the left side of the tree with your left hand and the right side - with your right hand. Gradually, you can make more and more complicated drawings.

Draw

Listening to Baroque music can help you study and concentrate. Thanks to it, you can calm down. When we are in a state of relaxation, it is durable for both brain hemispheres to work together. Reach for composers such as Antonio Vivaldi, Johann Sebastian Bach, or Wolfgang Amadeus Mozart. The effects will surely amaze you.

Baroque music

American Monroe Institute developed the Hemi Sync technology. It is a method of synchronizing the brain hemispheres by emitting sounds of a specific frequency. Thanks to a computer program, it was possible to generate a wave of the so-called differential beats, which produces a sound with parameters corresponding to a person's brain waves immersed in deep relaxation or sleep. The recording is listened to through stereo headphones or speakers in such a way that the left ear receives sounds from the left speaker or headphones while the right ear receives sounds from the right speaker.

Hemi Sync Technology

The SITA method is a method of learning that uses the properties of the state of deep relaxation when the brain is in the alpha state by synchronizing the work of both cerebral hemispheres. It was developed at Bundeswehr University by Prof. Reiner Dietrich. A device working on the principle of biological feedback was used, consisting of, among others, special glasses and headphones.

SITA Method

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Health

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HemiSync – Binaural Beat Brainwave CDs – patented alternative therapies from Hemi-Sync – Monroe Products

Jodi Raffa has been searching for a roommate for over a year. Her husband passed away five years ago, and compounding her loss was a 75 percent reduction in her household income.The 76-year-old lives in a sunny three-bedroom, two-bathroom home overlooking a lake in a 55-and-over community in Groveland, Fla. "I live on a very strict budget and am not able to indulge in any extras at all,” said Raffa, who worked in administrative jobs before she and her late husband retired in 2010. Raffa now views that move as a “hasty decision” in light of her financial circumstances.

Golden Girls Re-invented

In an 1987 interview with NPR, the late Betty White noted that the four women who lived together in “The Golden Girls” did so for social reasons rather than financial necessity. “All that I think we have accomplished is to show that there is an alternative lifestyle,” White told “<a href="https://www.npr.org/2022/01/07/1071242706/fresh-air-celebrates-legendary-tv-actor-betty-white">Fresh Air </a>” about the success of the show. “If you notice, ‘The Golden Girls’ are not together for economic reasons. They’re together for sociological reasons. It combats the loneliness.”

Single Boomers Struggle Finance Not Emotional Support 

Four decades later, the idea of housemates late into adulthood is experiencing a revival, but with financial factors front and center. As boomers live longer and retire without the financial safety net of employer-sponsored pensions, covering the rising costs of food, housing and insurance become major considerations. Linda Hoffman, president and CEO of the New York Foundation for Senior Citizens, which runs a <a href="https://www.nyfsc.org/home-sharing/">home-sharing program </a>, noted an increasing number of applications as finances become more of a stressor.

Where They Are Now

Even before the pandemic, demographics were shifting toward nonfamily households. In 1960, 85 percent of households <a href="https://www.prb.org/resources/u-s-household-composition-shifts-as-the-population-grows-older-more-young-adults-live-with-parents/">were composed </a>of families, according to the Population Reference Bureau. By 2017, that figure had fallen to 65 percent of households. As Americans continue to age, Harrell and others expect growing demand for more housing options. “As a society, we’ve been building and thinking about younger families and building housing and communities for younger people,” he said.

Trends Appeared Long Before COVID

The growing interest in home sharing, especially for those boomers who are house-rich and cash-poor in expensive housing markets, is being cultivated by nonprofit and commercial programs as well as municipalities. Since 2015, New York, Seattle, Denver, Tucson, Northern California and the metro Washington area all have established or are launching programs.

Inspiring New Businesses 

Boomers getting hit financially leaving more stress on housing market and economy 

Baby boomers are moving in together to save money

While the masses consider #Metaverse to be the latest trend and treat it as some kind of dystopian technology, it is infact slowly been creeping up all this while nowBefore we try to make sense of what’s gonna happen in future, let’s deep dive into some important events which played an important role in shaping Metaverse!

12 Events That Shaped METAVERSE

Back in 1970s when Steve Mann, a Canadian engineer & professor, introduced the world to “Digital Eye Glass” , initially as a vision aid to help people see better. The technology later laid foundation for Virtual Fixtures which was developed by Louis Rosenberg in 1992 at the USAF Armstrong Labs. Virtual Fixtures were the earliest functional AR systems that provided immersive mixed reality experiences

Digital Eye Glass (1970-1980)  

Metaverse was first described by science fiction author Neal Stephson in his book Snow crash which was released in June 1992. Almost an year after August 6, 1991, when without fanfare, British computer scientist Tim Berners-Lee published the first-ever website while working at CERN.

Birth Of Metaverse 1992)

Birth of Internet allowed online gaming to take shape in its most primitive form. Major gaming companies like Sega & Atari were rushing to inculcate internet with gaming, which saw the proliferation of role-playing games (RPGs) and If there’s one thing that makes Metaverse easily understandable by a wider audience and gives it authenticity are these RPGs.

Year of RPG Movement (1994)  

The term Proof Of Work (POW) was coined by Markus Jakobsson and Ari Juels in their paper “Proofs of Work and Bread Pudding Protocols” which was released back in 1999. Though the concept was invented by Cynthia Dwork and Moni Naor in 1993 as a way to deter denial-of-service attacks.What started as a way to prevent service abuses such as spam on a network, has now become pivotal to the way transactions are legitimized on a Blockchain.

Proof Of Work (1999)  

Early 2000s saw rapid growth in internet adoption all over the world, which further bought huge influx of people looking to explore the online world . During that time Philip Rosedale, an entrepreneur from San Diego california, started working on “Second Life” which probably was going to become the closest thing ever created that allowed people to experience virtual world.

Second Life (2003)  

Satoshi Nakamoto, is he a person ? or a group of people ? is still a mystery but what is not a mystery is his invention Bitcoin. Bitcoin or the technology it is based upon Blockchain is touted as one of the most important inventions since Internet. In his whitepaper (published in 2008), Satoshi Nakamoto intended to resolve one of the core problems that we face with fiat currency (government-issued currency that is not backed by a commodity such as gold) which is a central authority regaulating the currency, which could lead to corruption.

Satoshi Nakamoto’s brainchild – Bitcoin (2009)  

What started as coloured coin project has now become a mammoth asset class. Yes ! NFTs or Non Fungible (read replaceable/interchangeble) Token were first conceived as colored coins which got issued on Blockchain in 2012-2013. The idea behind these coins was to mimic real world assets like coupons, shares, digital collectibels and digital art. What drives the value for these NFTs is, that now we have a definite way to identify and authenticate a piece of art without relying on foresencics, as each and every transaction is stored on a blockhain.

NFT (2013) 

While Bitcoin was first generation crypto project with fundamental features, Ethreum was gen 2 crypto with more advancements, it not only intended to decentralised banks but also Apps and services there by potentially decentralising internet itself.

Ethereum (2015)  

DAO or Decentralized Autonomous Organization embraces the idea of Algorithimic Regulation, where rules of a organization are encoded as computer program which is controlled by organziation members and are maintaned on a blockchain, an example of it could be a group of people trying to achieve a goal/own something using shared funds consider a subreddit of HipHopHeads starting their own record label using a shared bank account and each member would then be able to own a part of the record.

DAO (2016)  

When Bitcoin made us reasses our definition of currency it gave us a sneak peak of the world running on DApps. DApps or Decentralized Applications (Apps) is an open source application that operates autonomously on a decentralized blockchain & can only be built on Smart contract networks. All the DApps work on a specific platform which is compatible with its unique code and not on standard web browsers. The first DApp on Ethereum to gain mass user attention was a collectibles game known as CryptoKitties, which literally crashed the Ethereum network at the height of its popularity.

DApps (2016)  

Throughout our journey we discussed about various technologies and how they came into existence. Culmination of all these different technologies, working together to produce a virtual reality world is what we call Metaverse. The last decade ( 2010 -2020 ) has been a huge building block interms of its development, where slowly and steadily different aspects of Metaverse were concieved and we can’t be more existed of what’s next is store for us as we haven’t really scratched the surface and are still oblivious of its true potential.

Welcome Meta (2021)  

Till now we have only scratched the surface of Metaverse we still oblivious of its true potential. Learn how it came into existence 

February 25, 2022 Before we try to make sense of what's gonna happen in future, let's dive deep into some crucial events which helped shape Metaverse. 

crypto

Cryptocurrency

History of Metaverse - A Journey Through Time - computingnirvana.com

<ul><li>Have no plan</li><li>Surplus money immediately spent</li><li>Road most travel because it's the path of least resistance</li><li>Instant gratification</li></ul>

Side Walk

Debt perception: Credit allows me to buy things now! Credit cards, consolidation loans, car payments-these supplement my income and help me enjoy life today! If I want it now, I'm going to get it now.Time perception: Time is abundant and I spend money like there's no tomorrow. Heck, I could be dead in two weeks, and you can't take it with you!Education perception: I finished school when I graduated, hooray!Money perception: If you got it, flaunt it! Why save for a rainy day? I spend every dime I earn and most of my bills are paid on time; isn't that being fiscally responsible? ﻿

Side Walker Mindset (1)

Primary income source:whatever gigs pay the most is what I will do, I chase money, it is all about the BenjaminsPrimary wealth accelerator:Net worth? I hit the casino, I buy lottery tickets, and I have an active lawsuit against an insurance company. Dows that count? Wealth perception:He who dies with the most toys winWealth equation:Wealth = income + debt

Side Walker Mindset (2)

Destination:What destination? I live for today and I can't be bothered about tomorrow.Responsibility and control:Everything bad happens to me. The man is keeping me down. I am a victim. It's someone else fault.Life perception:Live today, to hell with tomorrow. Life is too short to plan any further than 30 days out. You can't take it with you! You're only young once! Besides, I'll hit it big someday

Side Walker Mindset (3)

Affordability is when you don't have to think about it. If you have to think about "affordability" you can't afford it because affordability carries conditions and consequences

Self talk about I can afford it when... is an indication that you can't afford it. Remember you can bluff yourself but you can't bluff consequences

<ol><li>The commandment of Need</li><li>The commandment of Entry</li><li>The commandment of Control</li><li>The commandment of Scale </li><li>The commandment of Time</li></ol>

Fastlane Commandment  (NECST)

This books reveal the real truth how wealth are made

Is the financial plan of mediocrity -- a dream-stealing, soul-sucking dogma known as "The Slowlane" your plan for creating wealth? You know how it goes; it sounds a lil something like this: "Go to school, get a good job, save 10% of your paycheck, buy a used car, cancel the movie channels, quit drinking expensive Starbucks mocha lattes, save and penny-pinch your life away, trust your life-savings to the stock market, and one day, when you are oh, say, 65 years old, you can retire rich." The mainstream financial gurus have sold you blindly down the river to a great financial gamble: You've been hoodwinked to believe that wealth can be created by recklessly trusting in the uncontrollable and unpredictable markets: the housing market, the stock market, and the job market. This impotent financial gamble dubiously promises wealth in a wheelchair -- sacrifice your adult life for a financial plan that reaps dividends in the twilight of life. Accept the Slowlane as your blueprint for wealth and your financial future will blow carelessly asunder on a sailboat of HOPE: HOPE you can find a job and keep it, HOPE the stock market doesn't tank, HOPE the economy rebounds, HOPE, HOPE, and HOPE. Do you really want HOPE to be the centerpiece for your family's financial plan? Drive the Slowlane road and you will find your life deteriorate into a miserable exhibition about what you cannot do, versus what you can. For those who don't want a lifetime subscription to "settle-for-less" and a slight chance of elderly riches, there is an alternative; an expressway to extraordinary wealth that can burn a trail to financial independence faster than any road out there. Why jobs, 401(k)s, mutual funds, and 40-years of mindless frugality will never make you rich young. Why most entrepreneurs fail and how to immediately put the odds in your favor. The real law of wealth: Leverage this and wealth has no choice but to be magnetized to you. The leading cause of poorness: Change this and you change everything. How the rich really get rich - and no, it has nothing to do with a paycheck or a 401K match. Why the guru's grand deity - compound interest - is an impotent wealth accelerator. Why the guru myth of "do what you love" will most likely keep you poor, not rich. And 250+ more poverty busting distinctions... Demand the Fastlane, an alternative road-to-wealth; one that actually ignites dreams and creates millionaires young, not old. Change lanes and find your explosive wealth accelerator. Hit the Fastlane, crack the code to wealth, and find out how to live rich for a lifetime.

10TH ANNIVERSARY EDITIONIs the financial plan of mediocrity -- a dream-stealing, soul-sucking dogma known as &quot;The Slowlane&quot; your plan for creating wealth? You know how it goes; it sounds a lil something like this:&quot;Go to school, get a good job, save 10% of your paycheck, buy a used car, cancel the movie channels, quit drinking expensive Starbucks mocha lattes, save and penny-pinch your life away, trust your life-savings to the stock market, and one day, when you are oh, say, 65 years old, you can retire rich.&quot;The mainstream financial gurus have sold you blindly down the river to a great financial gamble: You've been hoodwinked to believe that wealth can be created by recklessly trusting in the uncontrollable and unpredictable markets: the housing market, the stock market, and the job market. This impotent financial gamble dubiously promises wealth in a wheelchair -- sacrifice your adult life for a financial plan that reaps dividends in the twilight of life. Accept the Slowlane as your blueprint for wealth and your financial future will blow carelessly asunder on a sailboat of HOPE: HOPE you can find a job and keep it, HOPE the stock market doesn't tank, HOPE the economy rebounds, HOPE, HOPE, and HOPE. Do you really want HOPE to be the centerpiece for your family's financial plan?Drive the Slowlane road and you will find your life deteriorate into a miserable exhibition about what you cannot do, versus what you can. For those who don't want a lifetime subscription to &quot;settle-for-less&quot; and a slight chance of elderly riches, there is an alternative; an expressway to extraordinary wealth that can burn a trail to financial independence faster than any road out there.Why jobs, 401(k)s, mutual funds, and 40-years of mindless frugality will never make you rich young. Why most entrepreneurs fail and how to immediately put the odds in your favor. The real law of wealth: Leverage this and wealth has no choice but to be magnetized to you.The leading cause of poorness: Change this and you change everything.How the rich really get rich - and no, it has nothing to do with a paycheck or a 401K match.Why the guru's grand deity - compound interest - is an impotent wealth accelerator.Why the guru myth of &quot;do what you love&quot; will most likely keep you poor, not rich. And 250+ more poverty busting distinctions...Demand the Fastlane, an alternative road-to-wealth; one that actually ignites dreams and creates millionaires young, not old. Change lanes and find your explosive wealth accelerator. Hit the Fastlane, crack the code to wealth, and find out how to live rich for a lifetime.

MJ DeMarco is an accomplished writer whose work has resonated with readers around the world. MJ DeMarco has published several books that explore a range of topics, from fiction to nonfiction, and has received critical acclaim for the ability to weave compelling narratives. MJ DeMarco's writing style is known for its depth and authenticity, and has earned quite a loyal following of readers.

MJ DeMarco

The Millionaire Fastlane

Although several ancient concepts inform it, energy therapy is a relatively new method of <a href="https://thehumancondition.com/what-is-psychotherapy/">psychotherapy</a>. By combining alternative Eastern healing techniques with biomedical and conventional approaches to mental health, energy therapy promotes a holistic approach to well-being. Broadly, these practices target the notion of energy in the human body. For many practitioners, energy in the realm of psychology refers to the vital force within an individual.

Energy Therapy: Types, Benefits, and Effectiveness

Although several ancient concepts inform it, energy therapy is a relatively new method of psychotherapy. By combining alternative Eastern healing techniques with biomedical and conventional approaches to mental health, energy therapy promotes a holistic approach to well-being.

exerciseandfitness

Exercise & Fitness

meditation

Meditation

Energy Therapy: Types, Benefits, and Effectiveness - The Human Condition

Money, and the issues around money, are notoriously anxiety-provoking, and our coping mechanisms are usually unhealthy  - for example, aggressive avoidance — a more slow-simmering form of agita that merely (and literally) compounded the problem.Money doesn’t just represent safety and security and stability. It is safety and security and stability. It is also unavoidable. This means your feelings about money are along for the ride, too — no matter how much energy you expend trying to escape them.

Money Anxieties

<ul><li>Figure out how you actually feel. Yes, you’re anxious, but what kind of anxiety? When do you feel anxious? Where do you feel anxious?</li><li>﻿Once you become more aware of your anxiety, try to pinpoint the specific financial concerns that it stems from. Then, you can start checking them against reality.</li><li> Money — and anxiety around it — is often integrated into our lives at an early age, before we can even articulate material needs and desires. Therefore, our feelings about it are not necessarily rational to our contemporary lives. </li></ul>

Dealing With Financial Anxiety

The goal isn’t to eradicate money worries entirely. Some amount of anxiety around money is healthy. Then, the challenge is not banishing the anxiety but moderating it — which can require practical, measured action. That could mean looking for a new job, hiring a financial planner, consolidating debt, or asking a friend to sit next to you for moral support (or enforcement) while you finally open the bills you’ve been avoiding.

Some Anxiety Around Money Is Useful

Perhaps the most brutal truth about money anxiety is that money actually is worth worrying about. For all the psychological acrobatics and emotional coping mechanisms, the best solution to financial anxiety is and will always be improving the reality of your finances — which is, of course, significantly easier said than done. You can manage your financial anxiety and discover how childhood trauma shaped your understanding of money, but you can’t opt out of money-related stress, because you can’t opt-out of money.

Money Is Worth Worrying About

How to pay your bills, budget better, and deal with anxiety when money stresses you out, according to experts.

Understand yourself and those around you.

psychology

Psychology

Why We’ll Never Get Rid of Our Money Anxieties

The "floor price" in an NFT market is the lowest price of any NFT within a chosen category. Buying the floor is a good starter strategy as it requires less money to start with. Cheaper NFTs fit into a larger number of potential buyers' bankrolls and can benefit from increased visibility.

Buy the floor

If you have more money to invest in NFTs, buy the ceiling NFTs. They are the rarest and most in-demand assets. If demand increases for the project, ceiling NFTs can significantly increase the price. The downside is that fewer people with enough money can buy the NFT, making it harder to sell at a good price.

Buy the ceiling

Find NFTs listed for cheaper than previous sales, not just NFTs listed at a price below other sellers. Do not judge value only on listing prices. For example, when looking at an NFT with ten copies, one is listed for $100 and the rest for $500. $100 may look like a good deal, but if the previous sale for the NFT is only $20, it makes the $100 listing overpriced.

Look for underpriced NFTs

Keep an eye on the various levels of market trends, which all have varying effects on the value of your NFT. <ul><li>The market for all NFTs. The more people interested in NFTs, the more money will flow into projects.</li><li>The market for an NFT project. Watching this trend is vital as individual projects quickly gain or lose popularity. Watch its trading volume and ranking relative to other NFT projects over time.</li><li>The market for a specific NFT. Individual NFTs can fluctuate in price because the NFT is related to some person or organisation becoming more or less popular.</li></ul>

Use market trends

Watch how sellers for an NFT are acting. If all the listed prices are well above recent sales with listing prices spaced out from each other, you can infer that the sellers are patient and won't react if you list for a lower price than them. However, if many prices are low and close together, it is a sign of competitive sellers who like to undercut.

Find NFTs without many sellers

You can use the strategies without much knowledge about the project, but getting involved in the community is hugely beneficial to get a better perspective on how a project will grow and what drives the demand for its NFTs.

Get involved in the community

Whether you're planning a short term flip or a long term investment, you will want to put some thought into your NFT purchases. This NFT trading guide covers a variety of strategies you can use to make money with NFTs as a beginner or a more experienced investor.

NFT Trading Strategies

Find 100+ Ideas and Facts about Money - Curated from interesting sources like Books, Podcasts & Articles - Genuine Insights from like-minded Users like You!