Student loans should face the scrutiny of opportunity costs. Are institutions of higher learning providing a product that outweighs the cost (inclusive of the interest)? This should be done on a major by major basis.

Understanding the Eurodollar System: A Key Insight from Nik Bhatia Nik Bhatia, provides a clear and insightful explanation of the Eurodollar system, which plays a central role in the global financial landscape. In essence, the Eurodollar system refers to U.S. dollars that are held in banks outside the United States, primarily in Europe. However, the term has expanded over time to describe any U.S. dollar-denominated deposits or financial instruments held globally, not just in Europe. Here's why the Eurodollar system is so important: 1. Global Money Creation: The Eurodollar market allows for the creation of U.S. dollar liquidity beyond the control of the Federal Reserve. Banks outside the U.S. lend these dollars to borrowers worldwide, creating a massive pool of dollars that circulates internationally. 2. Impact on Global Finance: The Eurodollar system has been a key driver of international trade and finance, as most global transactions are conducted in U.S. dollars. This system provides liquidity to markets, facilitating international business, investments, and lending without relying solely on the U.S. banking system. 3. Decentralized Control: Unlike the U.S. money supply, which is directly managed by the Federal Reserve, the Eurodollar system operates largely outside of U.S. regulatory oversight. This gives rise to complexities in understanding how dollars are created, borrowed, and moved globally. 4. Risks and Implications: Bhatia emphasizes how this system can introduce significant risks, particularly during periods of financial stress. As the global reliance on Eurodollars grows, disruptions—like a liquidity crisis—can have wide-reaching effects, impacting everything from interest rates to international trade. In his work, Bhatia highlights the importance of understanding the Eurodollar system to fully grasp the dynamics of global finance and the interconnections between money creation, banking, and the broader economy. The Eurodollar system is crucial to modern economic life, but it’s also a complex and somewhat opaque framework that can influence everything from the price of goods to geopolitical stability. If you want to dive deeper into global finance, Nik Bhatia’s work is an excellent resource to begin unpacking this intricate system. #NikBhatia

I find it pretty wild that some animals, like dolphins and certain whales, sleep with only half of their brain at a time! This fascinating ability is called unihemispheric slow-wave sleep. While one half of the brain rests, the other half stays alert to control breathing and stay aware of potential dangers. It's especially important for aquatic mammals, who need to surface for air even while they're asleep. Wow!

Be sympathetic with the other person’s ideas and desires. #DaleCarnegie

What Is Moral Hazard? "Moral hazard" is an economics and finance term that describes a situation where one party takes on risk because they don't have to bear the full consequences of that risk. It often arises when individuals or institutions are protected in some way—such as through insurance, bailouts, or guarantees—and therefore act less cautiously than they otherwise would. For example, if a bank knows it will be bailed out by the government if it fails, it might engage in riskier lending practices, assuming taxpayers will pick up the tab if things go wrong. Similarly, someone with comprehensive car insurance might drive more recklessly, knowing that any damages will be covered. Moral hazard doesn't imply bad morals—it’s more about incentives and how they change when people or companies don’t feel the full impact of their decisions. It's a critical concept in understanding financial systems, public policy, and even everyday contracts. Whether in health care, banking, or corporate governance, recognizing and managing moral hazard helps create more stable and fair systems.

Try to see things from the other persons point of view. Empathy is key to understanding and influencing others. Get in their shoes, understand their feelings, and consider the context that shapes their behavior and decisions.

Understanding REM vs. NREM Sleep—and Why Your Late-Night Sleep Matters Most Sleep isn’t just “rest”—it’s a complex, structured process your body moves through in cycles, each made up of two key types of sleep: REM (Rapid Eye Movement) and NREM (Non-Rapid Eye Movement) sleep. These stages serve different purposes, and the balance between them shifts throughout the night in a way that’s crucial for your health. NREM Sleep: The Body's Deep Recovery Zone NREM sleep makes up about 75–80% of your total sleep and includes three stages. The deepest stage (often called slow-wave sleep) is where your body does much of its physical repair: muscle growth, immune system strengthening, and energy restoration. This stage dominates the first half of the night, which is why your body prioritizes NREM early on. REM Sleep: Where the Brain Reboots REM sleep is lighter and more mentally active. It’s where most vivid dreams occur, and it plays a vital role in emotional regulation, memory consolidation, and cognitive processing. REM becomes longer and more frequent in the second half of the night, especially in the final few cycles before waking. Why Timing Matters: Sleep Cycles Aren’t Equal Sleep cycles (which last about 90 minutes) repeat through the night—but early cycles are NREM-heavy, while later ones shift toward REM. If you cut your sleep short—say, by waking up early or staying up too late—you’re likely missing out on those later REM-rich cycles. Skipping REM? Here's What Can Go Wrong Missing REM sleep doesn’t just leave you feeling groggy—it’s been linked to issues like: - Impaired memory and concentration - Increased stress and emotional instability - Higher risk of anxiety and depression - Weakened immune function - Long-term risks for metabolic and cardiovascular health The Takeaway To feel mentally sharp, emotionally balanced, and physically restored, you need full sleep cycles—especially those REM-heavy cycles later in the night. That means getting enough total sleep time, not just “some sleep.” Skipping the last few hours can cost you more than just a few dreams. #WhyWeSleep

Let the other person feel that the idea is theirs. People are more committed to ideas they believe they’ve come up with, even if you’ve guided them towards it. #HowToWinFriendsAndInfluencePeople

What Is a Speculative Attack on the Dollar—And How Bitcoin Fits In A speculative attack on a currency happens when investors bet en masse that the value of that currency will fall—so they take actions that can accelerate or even help cause the collapse. Historically, these attacks have targeted currencies pegged to others or under pressure due to poor economic policy (like the Thai baht in 1997 or the British pound in 1992). But today, some believe we’re seeing the early stages of a speculative attack on the U.S. dollar—and Bitcoin is playing a key role. What Does a Speculative Attack Look Like? It starts with a loss of confidence. Investors begin to suspect that a currency—like the dollar—won’t hold its value due to things like: - High national debt and persistent deficits - Excessive money printing (monetary easing) - Political dysfunction or unsustainable spending In response, they begin moving their wealth into assets they believe can’t be devalued or seized. That could be gold, foreign currencies, real estate—or, increasingly, Bitcoin. Bitcoin as a Weapon of Speculation Here’s how people are using Bitcoin to mount a kind of slow-burn speculative attack: 1. Exiting fiat: They sell dollars for Bitcoin, reducing demand for the currency and opting out of traditional banking rails. 2. Front-running inflation: They expect that the U.S. will eventually have to inflate its debt away, making hard assets like Bitcoin more attractive. 3. Decentralized escape hatch: Bitcoin can’t be easily confiscated or frozen, making it a hedge against financial repression (capital controls, bank account freezes, etc.). 4. Network effect: The more capital flows into Bitcoin, the more it gains legitimacy and liquidity—feeding the cycle. This isn’t a coordinated “attack” in the military sense. It’s decentralized, ideological, and market-driven. But the effect is similar: it pressures the dollar system by draining confidence and capital. What This Means Going Forward If this trend continues, the U.S. might face increasing difficulty financing its debt or defending the dollar’s global reserve status. The Fed could be forced to raise interest rates or impose controls to prevent capital flight. Meanwhile, Bitcoin continues to grow as a parallel financial system, outside the reach of governments. We may be watching the beginnings of a new kind of currency war—one not fought with tanks or tariffs, but with code and confidence. #Bitcoin

Adenosine, Sleep Pressure & Caffeine: How It All Works Ever wonder why you feel tired the longer you’re awake? That’s mostly due to a chemical called adenosine. As you go about your day, adenosine gradually builds up in your brain as a byproduct of energy use. The more it accumulates, the more it signals your brain that it’s time to rest—this is known as sleep pressure. The longer you're awake, the stronger the pressure. Enter caffeine. Caffeine doesn’t “give” you energy—it blocks adenosine from binding to its receptors, essentially muting your brain’s sleep signals. That’s why you feel alert after coffee, even if your body is tired. But once the caffeine wears off, that backed-up adenosine hits all at once—hello, crash. Adenosine also works in sync with your circadian rhythm (your body’s internal clock). While the circadian rhythm helps determine when you should be awake or asleep based on light and dark, adenosine helps determine how much you need sleep based on how long you’ve been awake. Together, they’re the twin engines of your sleep-wake cycle—one driven by time, the other by use. #WhyWeSleep

The Real Rate of Inflation? Follow the M2 Money Supply Most people look to the Consumer Price Index (CPI) for inflation data—but that doesn't always tell the whole story. The real rate of inflation may be better reflected in the growth of the M2 money supply. M2 includes cash, checking deposits, and easily convertible near money. When the government and Federal Reserve inject large amounts of money into the economy (as we saw in 2020–2021), the supply of dollars increases—but the amount of goods and services doesn’t rise as fast. That’s basic supply and demand: more dollars chasing the same amount of goods means prices go up. So while CPI might show "moderate" inflation, if M2 is expanding rapidly, the true decline in your dollar’s purchasing power is likely much higher. Watch the money supply—not just the price index—if you want the real picture. #Bitcoin

Get That “Yes, Yes” Flowing One of the simplest, most effective ways to influence someone is to begin by focusing on areas of agreement. Start your conversation where you both see eye to eye—on facts, values, or shared goals. When the other person starts nodding and saying “yes,” they’re not just agreeing with you—they’re building momentum in their own mind toward cooperation. As Dale Carnegie said, “When a person says ‘no,’ all their pride demands that they remain consistent with themselves.” But when they say “yes,” they’re setting a positive pattern—one that leads to harmony, not resistance. So next time you want to persuade, don’t dive into conflict. Begin in agreement. Get them saying “yes, yes” from the very start.

Understanding Your Circadian Rhythm and Jet Lag Your circadian rhythm is your body’s internal clock, guiding your sleep-wake cycle, energy levels, and even digestion. When you travel across time zones, this rhythm gets thrown off, causing jet lag—fatigue, trouble sleeping, and feeling “off.” The key to adjusting? Take it slow. Your body typically adjusts by only about one hour per day, so if you jump ahead or fall behind several time zones, give yourself time to acclimate. Light exposure in the morning or evening (depending on the direction you're traveling), staying hydrated, and sticking to local meal times can help reset your rhythm gradually and reduce jet lag symptoms. #WhyWeSleep

What Is the Circadian Rhythm—and Why Does It Matter? Your body runs on a natural 24-hour clock called the circadian rhythm. It's an internal timing system that helps regulate when you feel awake, when you get sleepy, and even when your body performs essential functions like hormone release, digestion, and temperature regulation. This rhythm is heavily influenced by light and darkness. In the morning, exposure to sunlight tells your brain it's time to be alert and active. At night, when it's dark, your brain ramps up melatonin production, signaling it's time to wind down and sleep. When your circadian rhythm is in sync, you feel energized during the day and sleepy at night. But when it’s disrupted—by things like travel across time zones, staying up late, or working night shifts—you might experience fatigue, poor concentration, mood swings, and sleep problems. Tips to keep your rhythm in balance: - Get sunlight in the morning - Stick to a consistent sleep schedule - Limit screen time before bed - Avoid caffeine late in the day - Dim your lights in the evening Your circadian rhythm is more than just a sleep timer—it’s your body’s internal guide to staying healthy and balanced. #WhyWeSleep

The Suprachiasmatic Nucleus: Your Brain’s Internal Clock Deep within your brain, nestled in the hypothalamus, lies a tiny but powerful structure called the suprachiasmatic nucleus (SCN). Despite its small size—about the size of a grain of rice—this cluster of neurons plays a massive role in regulating your circadian rhythm, the 24-hour cycle that governs sleep, wakefulness, hormone release, body temperature, and even metabolism. The SCN acts as the master clock of the body. It receives direct input from the eyes via the retinohypothalamic tract, allowing it to sense changes in light. This is how your body knows it’s day or night, even without a clock. In response to light signals, the SCN helps control the production of melatonin, the sleep hormone, through the pineal gland—suppressing it during the day and allowing it to rise at night to promote sleepiness. Disruptions to the SCN—like jet lag, shift work, or too much screen time before bed—can throw off your circadian rhythm and lead to sleep problems, mood disturbances, and even long-term health issues. Understanding the SCN helps us appreciate why keeping a regular sleep schedule, getting morning sunlight, and limiting nighttime light exposure are essential for healthy sleep and overall well-being. #WhyWeSleep

Start conversations or negotiations with warmth and openness, rather than confrontation or harshness. #DaleCarnegie

Rugged capitalism for the regular working man but socialism for the rich. The system is rigged. How can we still win?

Tether Might Be the Most Efficient Company in Human History Tether doesn’t just move billions—it does it with fewer than 100 employees. In 2023 alone, Tether reported over $6.2 billion in profits, driven by interest on its massive reserves backing USDT, the most widely used stablecoin in the world. That’s more than some of the biggest banks and tech companies… with a tiny fraction of the workforce. Let that sink in: - Tether has ~60 employees. - That’s over $100 million in profit per employee. - For comparison: Apple makes ~$2 million per employee. Goldman Sachs? Around $1.5 million. This isn’t just lean—this is unprecedented. Tether runs a core piece of the global crypto infrastructure, with minimal overhead, no sprawling campuses, and barely any public-facing operations. Whether you love or question it, one thing’s for sure: Tether has cracked the code on efficiency. This might just be the most capital-efficient company ever. #Gyat #USDT

If you are wrong, admit it quickly and emphatically. Take responsibility for mistakes. It disarms criticisms and builds trust. #DaleCarnegie

Why Land Makes You a Target: From Feudal Plunder to Modern Tax Farms In the agricultural era, ownership of land was both the source of wealth and the origin of vulnerability. To hold land was to plant roots—roots that could be trampled, taxed, or torched. Lords and monarchs alike understood that the immobility of the peasant and the fixed nature of land made for an ideal target. You could not hide a field. You could not flee with a barn. Violence became profitable because people were stationary. The returns to organized coercion were high, not because it was efficient—but because it was easy. The serf tied to the soil could be milked for decades, generation after generation. Feudalism, at its core, was a system of economic extraction through controlled immobility. Fast forward to today, and little has changed—except the names. Modern landowners, business owners, and citizens still wear digital shackles in the form of property titles, tax records, and state surveillance. Governments plunder wealth not with swords, but with legal codes and tax enforcement. The state doesn’t need to storm your castle; it need only assess your “real estate value” and send you a bill. Your land makes you legible, taxable, and punishable. True sovereignty cannot exist where your assets are tied to terrain. To own land is to be mapped. But this too shall pass. In the Information Age, power no longer flows from land—it flows from code. Sovereign Individuals will not be citizens in the traditional sense. They will be digital nomads, leveraging encryption, distributed networks, and global jurisdictions to elude the coercive grasp of any single state. Their assets will be in cryptographic vaults, not vaults of stone. Their wealth will move at the speed of light, not at the pace of a plow. The age of geography is dying. The age of the algorithm is dawning. And with it, the returns to violence will fall—because the truly Sovereign Individual cannot be caught. #Bitcoin