No one is interested in communicating with an illiterate person. Therefore, it is necessary to develop yourself comprehensively. Find time for spiritual development.

63. You can control the present day, or it will control you. Choose: either you manage affairs, or affairs will manage you.

That is why planning, summing up and analysis of the work done is so important.

64. Success is nothing more than a few simple actions that need to be repeated every day, while failure is just a few mistakes that are repeated every day.

Only perform those actions that collectively lead you to success. Each of us makes mistakes; we are not perfect. But repeated mistakes mean that you do not learn anything.

65. The best motivation is self-motivation.

Achieving goals and success depends on the thoughts in your head. Think about what is waiting for you ahead – it will motivate you not to stop.

66. Every word that hurts us will make us better in the future.

Be able to forgive and forget. Grudges and bitterness are the last feelings that should overwhelm you. Our offenders will sooner or later get what they deserve.

67. If you are not sure about something – it’s better to say, “it seems to me…”.

Otherwise, in case of an error, your credibility will be lost. Once you have lost trust, it can be a daunting task to return.

68. Do not do what you have not been asked for. Do not talk about what you did not ask.

This is perhaps one of the best tips of all. I still sometimes forget about it. And the consequences are usually not the most pleasant.

69. Constantly think about what you want.

In addition, write down on paper all that you want to do and where you want to go. Periodically review this list and add something new to it. Check off completed items. Of course, thoughts alone will not be enough, but this way, you will direct your energy in the right direction.

70. Explain everything clearly and concisely.

The ability to communicate competently is essential for success. Do not take away you and other people’s time.

71. Destroy your internal enemies: laziness, fear, doubt, indifference, indecision, anxiety.

Such qualities will continue to pull you down. So why not start getting rid of them today?

72. Develop punctuality, responsibility and perseverance.

These are the strengths of character that are necessary for each of us. Without them, success is not achieved.

73. Do not be depressed and do not complain – don’t waste your time.

It’s simple: If you do not like the place – go away, If you don’t want to do it – say it. But do not waste time and energy on negative emotions.

74. Keep your own diary.

Plan your day. Write down your thoughts that seem important as well as ideas. One day, they may come in handy.

75. Be strong but not rude; be kind but not weak; be bold but not impudent; be thoughtful but not lazy; be humble but not timid; be proud but not arrogant; with a sense of humor but not stupid.

76. Justice, honesty, patience with people + discipline – the keys to success.

The main thing is not to become too soft. Otherwise, others will start to use it.

77. Every effort will be rewarded beyond all expectations.

So, do not be lazy, give it 200%. If plan “A” did not work, you still have at least 25 letters to try (depending on which alphabet you use).

78. Learn to be generous while you’re still poor.

The more you give, the more life will give you. Do not skimp and do not forget about the 70/30 rule.

79. Be curious.

New information is all yours. But at the same time, care and attentiveness will not interfere.

80. Help those who do things poorly but try to do better and those who succeed and who want to achieve more.

81. Learning is the beginning of wealth. Learning is the beginning of health. Learning is the beginning of spirituality.

82. Take advice, not orders; give orders to yourself.

83. Wherever you are, be there.

Pay attention to what you do and the people you communicate with. Focus first on the process and then on the result. Be attentive to the little things.

84. Evaluate your environment by asking yourself three questions: Who am I among? What do these people do for me? What do these people make me do?

And if you find that your environment does not meet expectations – change it.

85. Develop the following qualities: determination, faith, resourcefulness, ingenuity, charisma, sophistication.

86. To solve a problem, ask yourself three questions: What should be done? What can I read about this? Who can I ask about it?

Another popular decision-making method is using Descartes square.

Descartes square

87. A problem that can be solved with money is not a problem; it is an expense.

In general, try to remove this word from your vocabulary, and the problems will start to disappear.

88. We cannot change the season, but we can change ourselves: to become wiser, better and stronger.

89. Choose an action, not a rest; choose the truth, not fantasy; choose a smile, not a gloomy face; choose love, not hostility. Choose the good in life.

90. Do not give yourself and others empty promises.

This will lead to a loss of confidence in you. If you promised – make every effort to complete the case.

91. Happiness is not what you save for the future but what you create now.

Think about it. You won’t have another life.

92. Financial independence is the ability to live on the income of your own resources.

Therefore, make a decision now. The choice is always with each of us. Get off the couch and start acting. Acquire and create assets.

93. Learn from competitors.

Sometimes, it is very useful.

94. Success by 20% consists of skill and 80% of strategy.

Neglect of the business plan is fraught with negative consequences. Checked on this myself.

95. You need to be happy yourself to make others happy.

Still wondering why others do not want to communicate with you? Analyze what you usually say and how you say it. Try to avoid talking about how bad the government is and how hard it is to live. Talk about the good, even if you are sad.

96. Sometimes, we don’t get what we want but what we need. So, do not ask: “Why me?” but think: “What for?”

97. All that you have now is the result of your actions.

To have something that you never had, you need to do something that you never did! And to know what to do, you must first change the source of information. Undoubtedly, the new series of “Game of Thrones” is very interesting, but it will be much more useful to open the website cryptocompare or airdropalert.

98. A successful outer life begins with a sense of success inside.

If you are fixated on the mistakes of the past, the difficulties of the present and possible obstacles in the future – there can be no talk of any success.

99. Do not be afraid to take risks.

The saying, “who does not risk, does not drink champagne” is quite relevant. I always remind myself of this. If you are afraid all the time, you will never be successful.

100. You owe nothing to anyone. Nobody owes you anything either.

Everything you owe is written in the tax code, and what you don’t have to do is in the criminal code.

In the world, there is only one person capable of pulling you to the bottom or pulling up – this is yourself.

2. How to Set Goals

1. Think “in writing” on paper.

2. Limit your goal in time. A goal without a time frame is just a dream.

3. Form a goal in the affirmative form in the present tense.

4. Remove the particles “not,” “nor” from the lexicon when setting a goal. Say “I’m healthy” instead of “I never get sick.”

5. Divide the goals into sub-goals and prepare a detailed scenario for achieving them (determine the intermediate results of the goal achievement).

6. Think about the goal, not the difficulties on the way to it. Set the path and go.

7. Be responsible for your actions on the way to the goal.

8. Create an image of the future where you have already reached your goal and fix it.

9. Set big goals. It’s easier to get into them.

10. Behave as if success is guaranteed to you.

3. Recommended Literature

1. Robert Kiyosaki. “Rich Dad, Poor Dad.”

2. Allan Pease. “Answers in Questions.”

3. Dale Carnegie. “How to Make Friends and Influence People.”

4. Robert Kiyosaki. “Cash Flow Quadrant.”

5. Robert Kiyosaki. “Rich Dad’s Guide to Investing.”

6. Chance О. К. “Hot Ten.”

7. Jim Rohn. “Vitamins for the Mind.”

8. Tom Schreiter. “Secret Language of Attraction.”

Movies recommended for viewing

1. The Secret (Documentary, 2006).

Watching this movie should not be postponed. If you don’t understand it the first time – watch it again another day.

2. Rise and Rise of Bitcoin (Documentary, 2014).

3. Wolf from Wall Street (2013).

4. Founder (2016).

5. Big Eyes (2014).

6. Obsession (2013).

III. Practical advice

1. Investing in cryptocurrency

“Cryptocurrency is the currency of people’s monetary independence, and it is more than just a financial unit.”

Nick Spanos

For the beginning, a bit of terminology, interesting facts and history.

Terminology. Cryptocurrencies

Cryptocurrency is a type of digital currency, the creation and control of which is based on cryptographic methods. As a rule, accounting for cryptocurrency is decentralized. That is, the cryptocurrency does not belong to any government in the world. In addition, it does not belong to one particular person. Its operation is based on technologies such as blockchain. Transaction information is usually not encrypted and is available in clear text. To ensure that the base of the transaction blockchain is unchanged, elements of cryptography are used (digital signature based on a public key system, etc.).

The term was entrenched after the publication of an article about the Bitcoin system “Crypto currency,” published in 2011 in the journal Forbes. The very author of Bitcoin, like many others, used the term “electronic cash.”

Sometimes, a new cryptocurrency appears as a fork from another cryptocurrency due to changes in parameters, which makes them incompatible. In this case, both cryptocurrencies can have a common transaction history until the split. In addition to Bitcoin and Ethereum, which have probably already been heard, there are many other currencies. For example, on the coingecko service, information was collected on more than 3,500 coins and on the cryptocompare service, about 2000.

The emission of different cryptocurrencies can occur through mining, forging (minting) or ICO (I will discuss this later).

Discussions on the economic nature and legal status of cryptocurrency are underway. In different countries, cryptocurrencies are considered as a means of payment, a specific product may have restrictions in circulation (for example, the prohibition of operations with them for banking institutions). ³ But it is worth noting that cryptocurrency has long been used in many countries and for many purposes. In Europe, it has already been paying for real estate and other small goods, while in some countries, it is planned and implemented to accept payments for utilities in cryptocurrency. Who knows how else the cryptocurrency will be used in a few years…

Blockchain

Blockchain – built by certain rules, a continuous, sequential chain of blocks (linked list) containing information. Most often, copies of block chains are stored on many different computers independently of each other.

The term first appeared as the name of a fully replicated distributed database implemented in the Bitcoin system, which is why blockchain is often referred to as transactions in various cryptocurrencies, but the blockchain technology can be extended to any interconnected information blocks. Bitcoin became the first application of the blockchain technology in October 2008.

Imagine a digital medical history: each entry is such a block. This entry has a label: date and time of entry. Initially, it is considered mandatory to ban retroactive change of records because it is necessary that diagnostic, treatment, etc. records did not allow different interpretations and remained in their original form. Only a doctor who has one private key and a patient who has another can access the records. Then this information will only be accessed if one of these users provide their private key (for example, to the hospital or an individual specialist). This is an example of how blockchain technology can be used in a medical database.

Blockchain is decentralized, and there is no one common “command center,” hacking that will succeed in destroying all the data about the transaction and its participants or changing them. Hacking one computer will not affect the integrity of the data on the others (as well as on their change).

Blockchain will be a good help for any services where users could worry about possible fraud or data integrity:

– Micropayments

– Bank operations

– Logistics

– Jurisprudence

– Medicine

I think blockchain is really the beginning of the fourth industrial revolution.

“Money is just a number. But it must be a reliable number. Digital currencies are based on the fourth industrial revolution, called the blockchain.”

Bin Henu

Application outside the scope of cryptocurrency

Education

At present, representatives of various spheres are interested in the blockchain technology. At the same time, the degree of interest of companies in different sectors of the economy varies considerably. The financial sector is actively preparing for the widespread introduction of the blockchain, while manufacturing companies are still ignoring this technology.

So, a team of scientists from Oxford, who founded “blockchain-university” Woolf University, announced the admission of the first students in early 2019, ABC News reported.

As planned by the organizers, their educational institution will offer a “learning system of the 21st century,” and using the blockchain technology to create a decentralized management structure will reduce student spending and increase teachers’ salaries. Forbes has previously described the initiative as “Uber for students and Airbnb for academics.”

“The Woolf blockchain was created in order to remove an intermediate level of bureaucracy from the process between the audience and the regulator. The platform offers students and teachers complete control over their personal data,“said Joshua Broggie, founder and director of Woolf University. According to him, the blockchain will allow organizing the learning process directly between students and teachers, often in a one-on-one format, while avoiding the difficulties traditionally associated with a very expensive university bureaucracy. In addition, the founders are confident that their institution will be the first in the world “University without borders.”

“We literally could not have achieved this without the blockchain. I really hope that this is the education of the future. Woolf aims to solve two big problems in the higher education system: auxiliary education and ease of access for students,” Broggi added.

He also noted that training at Woolf will cost $19,200 per year, and the blockchain technology will make it possible to achieve “very substantial savings, which is very important for wide access.” ⁴

Banking, Investment and Exchange

In the Russian banking sector, companies like VTB and Sberbank are interested in blockchain technology.

VISA, Mastercard, Unionpay and SWIFT payment systems announced the development and plans for using the blockchain technology.

The London division of Deutsche Bank Innovation Lab is developing a blockchain-based investment system that accelerates, simplifies and cheapens the investment process by eliminating or reducing the role of intermediaries, lawyers (attorneys), auditors and clearing agents.

In July 2017, S7 Airlines and Alfa-Bank launched a blockchain platform for automation of trading operations with agents based on Ethereum. ⁵

On August 10, 2018, the World Bank authorized the Australian bank, the Commonwealth Bank of Australia (CBA) to issue the world’s first blockchain-based bonds. This was stated in a joint press release of the banks. The new blockchain-based debt instrument will be called “bond-i.” It will be launched after consulting with a wide range of investors who show great interest in it. The blockchain platform for bond-i was developed by the CBA Blockchain Advanced Technology Center.⁶

In early September 2018, the American company IBM, which is not only the world’s largest manufacturer and supplier of hardware and software, but also consulting services, announced the launch of the IBM Blockchain World Wire project. The payment blockchain system based on Stellar is positioned as an alternative, which is replacing a morally obsolete network for processing financial transactions that the world has been using for as long as 50 years. Integrating IBM Blockchain World Wire with existing payment systems, they said, will be able to “replace costly opacity with available transparency – and this will bring greater financial opportunities for all.” Thus, the brainchild of IBM and Stellar can compete with the traditional global payment system SWIFT. ⁷

Land registry

Sweden, Ukraine and the United Arab Emirates are planning to maintain a land registry using blockchain technology.

The government of India is fighting land fraud with the help of blockchain. Andhra Pradesh was the first Indian state where the government took steps to implement blockchain solutions. For this purpose, a technology park is planned to be created in the city of Visakhapatnam with the participation of the blockchain companies Apla, Phoenix and Oasis Grace.

Identification

In 2014, Bitnation was founded, providing such services of a traditional state as ID, notary and some others.

In June 2017, Accenture and Microsoft presented the digital identity card system on the blockchain.

In August 2017, the Brazilian government began testing the identity system for the blockchain.

Finland identifies refugees with blockchain technology.

There is a blockchain e-citizenship system in Estonia. ⁵

In September 2018, New South Wales, a state in the south-east of Australia, announced that they would transfer the state database of driver licenses to the blockchain. As part of the experiment, 140,000 drivers registered in the state will be transferred to the blockchain platform. If successful, the project will be distributed throughout Australia in 2019.

Transport

In May 2018, the Government of Malta began to actively introduce modern technologies in the country, starting with the deployment of a high-tech transport and logic platform using blockchain. This was stated in a press release from the Minister of Transport, Infrastructure and Capital Projects of Malta, Jan Borg: “We believe in Omnitude blockchain technology, its versatility and wide potential for government use. We see its potential in a number of government departments, and it will form the cornerstone of the technology platform as part of our commitment to introducing innovative technologies. This will improve the quality of life and increase access to information for Maltese citizens. Blockchain technology is a key part of our national technology strategy, which will allow us to transform various sectors.”

At the end of October 2018, the largest airline in Canada, Air Canada, announced its participation in the blockchain-based traffic distribution platform, which was developed by the Swiss startup Winding Tree. According to data released in the airline’s press release, Air Canada signed a letter of intent to participate in a decentralized platform for distributing open source traffic developed by Winding Tree. Thanks to the integration of the new blockchain platform, companies are striving to improve the distribution and sale of air transportation services. ⁸

Means of payment

The World Food Program uses blockchain technology to provide refugees with food through local outlets and networks instead of directly distributing food or giving refugees cash to buy food. The idea belongs to Houman Haddad. Biometrics is used to identify recipients of food (iris scan). Savings in 2018 through the use of this technology in Jordan alone amounted to $150,000 per month. ⁵

In the middle of October 2018, the decentralized marketplace of real estate and land title registration, Propy, announced the first sale of real estate on the blockchain in Europe. The seller from Spain and the buyer from France made a deal to sell real estate in Seville, and the calculation was made in Ethereum cryptocurrency.

According to Natalya Karayaneva, CEO of Propy, the blockchain platform allows you to conclude an international real estate transaction in the form of an ordinary online transaction, which greatly simplifies the whole process. ⁹

And these are just a few examples. In fact, the blockchain covers more and more areas of our life every day. Many (and I among them) believe that Blockchain is an important technological breakthrough that should accelerate the fourth industrial revolution.

“Blockchain makes cryptocurrencies the inevitable future of money.”

Joseph Muscat, Prime Minister of Malta

Bitcoin

And now I will tell you about the grandfather of all cryptocurrencies – about Bitcoin.

The emergence of Bitcoin was simply inevitable. Given that the gold standard was abolished in 1971, the economy became less stable, more prone to inflation, because the government can print money at its discretion that is not backed by gold. Money is now not backed up by anything. Bitcoin is also not backed by anything, but at least it is not controlled by the government, and the issue of coins is foreseen (21 million coins).

Bitcoin is a peer-to-peer payment system that uses a unit of the same name to account for transactions and a data transfer protocol of the same name. That is, this is both a payment system and a means of payment (if you do not go into the legal nuances of different countries). To ensure the functioning and protection of the system, cryptographic methods are used. All information about transactions between system addresses is available in open form.

How to start use Bitcoins

The minimum transmitted value (the smallest fragmentation value) – 10-⁸ Bitcoin – was named Satoshi in honor of the creator Satoshi Nakamoto, although he used the word “cent” in such cases.

By the way, Satoshi Nakamoto is a pseudonym, and there is no evidence that the creator of Bitcoin is from Japan. His famous report titled “Bitcoin: A Peer-to-Peer Electronic Cash System,” also called Bitcoin White Paper, was released on October 31, 2008.

Electronic payment between the two parties occurs without intermediaries and is irreversible – there is no mechanism for canceling the confirmed operation (including cases when the payment was sent to an erroneous or non-existent address, or when the transaction was signed by a private key that has become known to others). No one can block (arrest) funds, even temporarily, with the exception of the owner of the private key (or the person to whom he has become known) and with the exception of court orders (such precedents are already known). But the provided multi-signature technology allows you to attract a third party (arbitrator) and implement “reversible transactions.” ¹⁰ No one controls Bitcoin, currency is emitted through the work of millions of computers around the world using a program for calculating mathematical algorithms.

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