How to change habits

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How to effectively change habits is one of life’s big and permanent questions. There are a bunch of “hacks” on the internet. But to qualify as a real life hack, a tip must... READ MORE

Bitcoin’s dilemma and future

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When are you going to use Bitcoin (or something like Bitcoin) to buy bread, beer and books? Eventually. However, it has to crash first. Or at least stabilise. As long as it grows... READ MORE

Fixing finance for the future

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TLDR: Financial institutions spend untold billions every year on arbitrary opulence, trivially automatable administration and lush compensation for managers whose contributions are statistically insignificant. Monumental savings are readily achievable to get everybody a far better deal.

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